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HomeMy WebLinkAbout06-5092 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff VS. LOUIS U RICE JR Defendant No: W -JdT? l.lUl??C? COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 05318154 C A Pit VOC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff VS. Civil Action No LOUIS U RICE JR Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CAPITAL ONE BANK is a corporation with offices at 6851 JERICHO TURNPIKE #190 SYOSSET , NY 11791 . 2. Defendant is adult individual(s) residing at the address listed below: LOUIS U RICE JR 306 S YORK ST MECHANICSBURG, PA 17055 3. Defendant applied for and received a credit card bearing the account number 5291151856361793 . 4. Defendant made use of said credit card and has a current balance due of $1986.56 , as of August 16, 2006 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 25.900% per annum on the unpaid balance from August 16, 2006 . A copy of Plaintiff's STATEMENT OF ACCO UNT is attached hereto, marked as Exhibit 111" and made a part hereof. .y 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant , LOUIS U RICE JR , INDIVIDUALLY , in the amount of $1986.56 with continuing interest thereon at the rate of 25.900% per annum from August 16, 2006 plus costs. V - - Jam C. Warmbrodt, 2524 WE WEINBERG & REIS CO., L.P.A. 43 S venth Avenue, Suite 2718 Pi is urgh, PA 15219 ( 12) 434-7955 F 412-338-7130 5 8154 C A Pit VOC This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. W5 one ,meawa aymotasw7- Your account is about to receive the worst credit rating - an R9. Your account Is close to being charged off. • The result is an R9 rating - the worst credit rating of all on your credit bureau report. • it may prevent you from getting credit cards, an apartment, a cell phone, a car loan - or even a job - for as long as 20 years! • An R9 will limit our ability to offer you financial solutions. • You will still be responsible for repaying the debt. GOLD MASTERCARD ACCOUNT SEP 12 - OCT 11, 2003 5291-1518-5636-1793 Page 1 of I o4saaa copiftlowe Aaount Summary Paymenn Cre&bandAdjus[me a Previous Bd. {1,700.36 1 15 SEP ELECTRONIC PAYMENT $12.50- Paymene, Credit, and Adjustments $25.0 2 to OCT ELECTRONIC PAYMENT 12,50- Temactiosre $70.00 Pmwm Charges $36.94 Ttansactiom N. B.I. 11,782.30 3 12 SEP OVERLIMIT FEE $29,00 Mid.. Amomst D. $1,79230 4 11 OCT CAPITAL ONE MONTHLY MEMBER FEE 6.0 Payment Due Date November 11, 2003 5 11 OCT PAST DUE FEE 35.0 Tota! Credit Line $500 Families in PA EARNING INCOMES UP TO $43,240 pv you may be digible far low-aua or Bet Total Asaihbla Credit $.00 health ran animate FORTHEIR UNINSURED CHILDREN. Ifymm or wmenm youknow has a Credit Lire for Cash $500 ddld without health inanrcn, U tdl fret 1-877-KIDS-NOW fm!n iamaim abmu if. low -cat Available Credit for Cads $.00 m bee health care aovaage prograoa in PA. wv xr4ae At You mane eaamd a dm fet of $35.0 on 30/11/2003 became your midunnm payment wt, on " y a fee in the fimae, we exommend the you noxised bythe due date of 10111/2003. To avoid th To as 6uson,w Rd.aon,wto bnweWm ad: ew't• A. a lea 7 Weimar days fm your payment W real Capin) One. 1-800-903-3637 For free adi a anvant,aviw and qae a•mmw ois a.log on m: wwwapbJarmm Sand 'yaoaaa .: Aim: Rammem.P nine CapW One se,im Cgad One Smai P.O. Bm 85147 P.O. Bm goo RiA-d. VA X1276 Ridunand,VA232RF5015 le mormvt AcommtInformation Cell your vote am capuiloneboM.com m hdp elect the Nadoml Maswt of the Y. Eom the 12 fnalim, and be mane to man in an ABC maege football, ESPN, and ESPN2 an see doeyeais nnecot commai"'Ilisyear'a winnnwBib. an.d during the Capital Om Bawl, which mi... ABC at i.".m. ET on January 12 Good news - it's not too late. • Call t-8oo"S-66oo for payment options. • Pay with our free Chedc by Phone service. • If you have online access, log on to your account and pay now at www.apitalone.com. • If you prefer, simply use the remittance coupon below. aervko neck EXHIBIT Plmseaw nwerreidrf r in "Wan t BbI eam a- APA l:liAKel:l': ypmJm r PURCHASES aLMM .OA96% 25.90a $16.94 CASH LW .00WIR6 25.90% coo ANNUAL PERCENTAGE RATEapplied thisPemod 25.90% PAYMENT. CW 0000000 0 5291151856361793 11 1782300012501782307 PL-Prn,,.:l y.JB.a.us„. 'havru d bmr:eas, wsew ink New Bd. $1,78290 Miwtwm Amount Dan $1,78230 8- Aµ8 Payment Doe Dee November 11, 2003 Gb S. ffi Total enclosed $ Hams Pons dlmamR- AoooamNembe : 5291-1519-5636-1793 • taaAae.e. 09028537497863050# MAIL ID NUMBER Capital One Bank LOUIS U RICE 511 P.O. Box 85147 306 S YORK ST MBCMANICSBURG PA 17055-6302 Richmond, VA 23276 FSwe arme ,a, .I wader anymn, a, aonry wMmiak"ahk re Gpitd One BanlaMaail in t& endosdmm.4e VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities, that he is an attorney for the Plaintiff herein and makes this Verification based upon the facts as supplied to him by the Plaintiff because the Plaintiff is outside the jurisdiction of the court and the Plaintiffs Verification cannot be obtained within the time allowed for the filing of this pleading; and that the facts and circumstances set forth in this pleading, are true and correct to the best of his knowledge, information and belief. I?y T 4.J 7 Li f }? jC f ? ?ry? From: Louis U Rice Jr, Artist 306 South York Street Rwsp Mechanicsburg, Pa 17055 717 796-3669 No. 06-5092 Civil Term Capitol One Action: Defendant (plaintiff) represented by answering suit filed by Weltman, Weinberg and Plaintiff August 31, 2006 Reis, Co, L.P.A.'s and received by 436 Seventh Avenue defendant September 12, Suite 2718 2006. Pittsburgh, Pa 15219 Whereas the plaintiff has filed a suit against the defendant, the defendant, having no choice but to, not only respectfully request but, indeed, demand that the plaintiff proof all charges on the aforementioned bill. This defendant believes them to be in error and after several conversations with the plaintiff over the years, these efforts have yielded nothing. So, prove the bill in explicit VS detail so that all charges are clear and present. Louis U Rice Jr, Artist (defendant) Louis U Rice Jr Date: L t 1 2, ?,?. 306 SOUTH YORK STREET MECHANICSBURG, PA 17055 - w ?4t SHERIFF'S RETURN - REGULAR CASE N0: 2006-05092 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK VS RICE LOUIS U JR ROBERT BITNER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within NOTICE was served upon RICE LOUISE U JR the DEFENDANT , at 0017:55 HOURS, on the 11th day of September, 2006 at 306 S YORK STREET MECHANICSBURG, PA 17055 by handing to RHEA METZ (ADULT IN CHARGE) a true and attested copy of NOTICE together with COMPLAINT and at the same time directing Her attention to the contents thereof. Sheriff's Costs: So Answers: Docketing 18.00 Service 8.80?? ? Affidavit .00 Surcharge 10.00 R. Thomas Kline .00 36.80./ 09/12/2006 WELTMAN, WEINBERG & REIS Sworn and Subscibed to 1 ( /? Bye/J 41 -,j before me this day Deputy Sheriff of A. D. '1-l G IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, VS. LOUIS U RICE JR, Defendant. Case No.: 06-5092-CIVIL TERM MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Patrick Thomas Woodman, Esquire Pa. I.D.# 34507 Weltman, Weinberg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 W WR No. 05318154 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, Case No.: 06-5092-CIVIL TERM VS. MOTION FOR SUMMARY JUDGMENT LOUIS U RICE JR, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $1,986.56 with interest at the interest rate of 25.900% per annum from August 16, 2006, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Defendant filed an Answer to Plaintiffs Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 3. On or around April 24, 2007, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 4. No response to the discovery demands has been received from the Defendant. 5. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that he has made no payment on the credit card since October 10, 2003; that he applied for the credit card; that the statements attached to Plaintiffs Discovery Request correctly identify the payments, charges, and balances on the account; and that he has not submitted any written disputes as to billing inaccuracies. W WR No. 05318154 6. By way of his Answer, the documents attached to this Motion, and the Requests for Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to this matter and verified the amount owed. 7. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $1,986.56 with interest at the legal interest rate of 25.900% per annum from August 16, 2006, and costs. Respectfully Submitted: By: /uuwF--1G WD?'?"" Patrick Thomas Woodman, Esquire Pa. I.D.# 34507 Weltman, Weinberg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 W WR No. 05318154 C r:C7 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff VS. LOUIS U RICE JR Defendant No: (!?>I--.Sbqok. etol`-rte COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 05318154 C A Pit VOC F -"iii6iT A IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff VS. Civil Action No LOUIS U RICE JR Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, CAPITAL ONE BANK is a corporation with offices at 6851 JERICHO TURNPIKE #190 SYOSSET , NY 11791 2. Defendant is adult individual(s) residing at the address listed below: LOUIS U RICE JR 306 S YORK ST MECHANICSBURG, PA 17055 3. Defendant applied for and received a credit card bearing the account number 5291151856361793 . 4. Defendant made use of said credit card and has a current balance due of $1986.56 , as of August 16, 2006 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 25.9000 per annum on the unpaid balance from August 16, 2006 . A copy of Plaintiff's STATEMENT OF ACCO UNT is attached hereto, marked as Exhibit 111" and made a part hereof. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant , LOUIS U RICE JR , INDIVIDUALLY , in the amount of $1986.56 with continuing interest thereon at the rate of 25.900% per annum from August 16, 2006 plus costs. - - Jam C. Warmbrodt, 2524 WEL M?N, WEINBERG & REIS CO., L.P.A. 43 Seventh Avenue, Suite 2718 Pi t s urgh, PA 15219 (412) 434-7955 F 412-338-7130 58154 C A Pit VOC This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. D45 Capitalone* ,start In Yaw a,At97- Your account is about to receive the worst credit rating - an R9. Your account is close to being charged off. • The result is an R9 rating - the worst credit rating of all on your credit bureau report • it may prevent you from getting credit cards, an apartment, a cell phone, a car loan - or even a job - for as long as to years! • An R9 will limit our ability to offer you financial solutions. • You will still be responsible for repaying the debt O 2003 Capital One Senicas, Inc. Capital One is a fade Good news - it's not too late. • tall a-800-955-66oo for payment options. • Pay with our free Check by phone service. • If you have online access, log on to your account and pay now at www.capttalone.com. • If you prefer, simply use the remittance coupon below. serv'rt mark. An rights nswrmd. D45-0903 Capftallw• GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 Acmunt Summary Payments, Credits and Adjustments SEP 12 - OCT 11, 2003 Page 1 of 1 Previous Balance $1,70036 1 15 SEP ELECTRONIC PAYMENT $12.50- Payments, Credits and Adjtuments $25.00 2 10 OCT ELECTRONIC PAYMENT 12.50- Transactions t70.00 Finance Charges $36.94 Transactions New Balance $1,782.30 3 12 SEP OVERLIMIT FEE $29.00 Minimum Amount Due $1,762.30 4 11 OCT CAPITAL ONE MONTHLY MEMBER FEE 6.00 Payment Due Date November 11, 2003 5 11 OCT PAST DUE FEE 35.00 Total Credo Line $500 Families in PA EARNING INCOMES UP TO $43,240pr year may be eligible for low-cost or free Total Available Credit $.OO health care coverage FOR THEIR UNINSURED CHILDREN. if yon or someone you knaw has a Credit Line for Casb 5500 child without health insurance, call toll free 1-877-KIDS-NOW for information about the low-cost Available Credit for Cash $.00 or free hesa care coverage programs in PA At your service You were assessed a past due fee of $35.00 on 10/11/2003 because your minimum payment was not received by the due date of 10/11/2003. To avoid this fee in the fimre, we recommend that you T. call Catomer Rdmom or to report . lost or stdra aid: allow at least 7 business days for your payment to rexh Capital One. 1-800-903-3637 For fice odne aoaum service .cad spatial oust- odm, log m tm w,uw.eaprtala,eaom Sid pgmam to: Sold inquion to: Attn: Ranittance Pi-S Capital One Swim C.Pital One Senor P.O. Bor 85147 P.O. Bas 85015 R;d,mond, VA 23276 R;d-d, VA 27285-5015 lumnant Account Information Cast your vote on opitalonebowl.com to hdp select the National Mascot of due Year from due 12 fimlists, and be we to tune in to ABC college football, ESPN, and ESPN2 to see this year's mascot commercials Tbis year's winner will be announced during the Capital One Bowl, which airs on ABC at 1:00p.m. ET on January 1st EXHIBIT fermatwIt in Horne. Charges Pkmetae reaene tide fw impwtext c Bala.r ? Pe.a& C°r°?°"d' d ? i A??? ip PR ye'JirJfa rdr l:ri ro PURCHASES 53,73528 .0709611 25.90% 636.94 CASH 1.00 .070961A 25.90% 8.00 ANNUAL PERCENTAGE RATE applied this period 25.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. CaP"alQw 0000000 0 5291151856361793 11 1782300012501782307 Pkar<priar a,.;Jaa.Lrca a"la e-m.r?n. d.?,aera ear w ud inf New Balance $1,7230 Minimum Amount Due $1.7$230 sveel Ape e Payment Due Date November 11, 2003 Gq 6oa ZIP Total enclosed s I Home Phu., Al- Ph., AcmumNumbet: 5291-1518-56361793 • End Add- #9028537497B63050# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR ° Box 85147 P O I I 1 u 1u II 11I I 1 1 nu 11 306 S YORK ST to . . Richmond, VA 23276 MECHANICSBURG PA 17055-6302 1111 61 11111111111111 1 e H II lye, 111 111111111 I e 111111,11111111111 ° 1111111.,.111,.111111111111111111111111111111 11111,1111 all 1111 Pk"-teyo xmnt mambo oaryour cheek w monry order modepayabk to Capital One&.k and mailis the earlmcdmvKJope VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities, that he is an attorney for the Plaintiff herein and makes this Verification based upon the facts as supplied to him by the Plaintiff because the Plaintiff is outside the jurisdiction of the court and the Plaintiff's Verification cannot be obtained within the time allowed for the filing of this pleading; and that the facts and circumstances set forth in this pleading, are true and correct to the best of his knowledge, information and belief. 717 796-3669 No. 06-5092 Civil Term Capitol One Action: Defendant (plaintiff) answering suit filed by represented by plaintiff August 31, 2006 Weltman Weinberg and ' and received by s Reis, Co, L.P.A. defendant September 12, 436 Seventh Avenue 2006. Suite 2718 Pittsburgh, Pa 15219 Whereas the plaintiff has filed a suit against the defendant, the defendant, having no choice but to, not only respectfully request but, indeed, demand that the plaintiff proof all charges on the aforementioned bill. This defendant believes them to be in error and after several conversations with the plaintiff over the years, these efforts have yielded nothing. So, prove the bill in explicit VS detail so that all charges are clear and present. Louis U Rice Jr, Artist (defendant) y, Louis U Rice Jr Date: 3 p(, S0U,TH FORK >TREE.1 :5 01<?- -) 1? 61+ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CAPITAL ONE BANK, Plaintiff, V. NO.: 06-5092 LOUIS U RICE JR, Defendant. PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer. and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. EAHIF617 I 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity" "identify", "identification", when used with respect to a person(s) means to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity" "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identify each and every person(s) participating in such an act; (3) identi all other person(s) (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR ADMISSION NO. 1: Defendant applied for the credit card referenced in Plaintiff's Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 2: The attached monthly statements, from January 12, 2001 through October 12, 2003, correctly identify the payments, charges, and balances on the account. Admitted Denied If the answer to Request for Admissions No. 2 is "denied", then supply copies of canceled checks, both front and back, and/or if not available, specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 3: The last payment on the account was made on October 10, 2003. Admitted Denied If the answer to Request for Admissions No. 3 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 4: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific written disputes as to any billing inaccuracies. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. Patrick Thomas Woodman, Esquire Pa. I.D. No. 34507 Weltman, Weinberg & Reis, Co, LLC 2718 Koppers Building 436 7h Avenue Pittsburgh, PA 15219 WWR:05318154 Q X 11 "Hey! What's my credit line?" To use your Capital One' card and find out what your cre lit line is, you must first activate it by calling our toll4ree customer service line. In case you haven't already done so, be sun: to call the 800 number printed on the activation sticker on the front of your card: 1-800-475-4008 We are happy to have you as a customer. We want to make sure you receive the full benefit of your credit line. Call the activation number today! Caput One is a fedwaay registered service monk of C.VW One Financial Corporation. AO riyia rawrvetl 02000 Capital One Capitalow GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 JAN 12 - FEB 11, 2001 Page 1 of I Account S Previous Balance $.00 Payments, Credits and Adjustments S.00 Transactions $70.42 Finance Charges $.00 New Balsnce $70.42 Minimum Amount Due $15.00 Payment Due Date March 10, 2001 Total Credit Line $500 Total Available Credit $429.58 Credit Line for Cash $500 Available Credit for Cash $42958 At yoxr sctvitt To all Curtoma R&tion. or to report .1«t w holes arc: 1-800-903-3637 Send inq &- to: Attn: Rernitt.n«Proasfmg Capital One Saviors Capitd One Strvios P.O. Box 85147 P.O. Sox 85015 Ri hmond, VA 23276 Rh-d, VA 23285-5035 Payments, Credits and Adjustments Transactions DATE 1 of FEB EMSON ALARM CLACK 615-449-8877 TN $63.80 2 nFEB MONI'HLYMEMBERSHIPFEE 6.00 3 11 FEB PAYMENT PROTECTION 1-886-527-6904 .62 Finance Charges P4attle<ream<J.Ar *faafartaatlajormairoa =,ta- ?; - -=-, EI PURCHASES s.00 .W000% .00% 3.00 CASH NO .05425% 19.80% $.W ANNUAL PERCENTAGE RATE applied this period 0-00% 2682tM11 PLEASE RETURN PORTION BELOW WITH PAYMENT. V CaprfaloW, 0000000 0 5291151856361793 00 0070420000000015008 New Balance $70.42 Minimum Amount Due $15.00 Payment Due Date March 10, 2001 Total enclosed $ - 1 Pl ?<p.:.rdier<6..go Mlom me?dlw w HIE o.,E soar Ape 4 City so. ZIP Home Phone Ah-- Ph- Capital One Bank LOUIS U RICE JR P.O. Box 85147 N ?e 306 S YORK ST Richmond, VA 23276 MECHANICSBURG PA 17055-6302 lnlrlullurirllurlJlullu,llurllurllutllurilnrllnrl I sell 1.1 Pt=e w1repw aammt mvaber mlgerlxck or money ordo madefayab]<totrfitat OneBanF and mail in tA<enderdtavdop<. F t a, rheas Period You wM have s mninasn grace Period Of 2b dap wiaau mace W rya co row Purchases, rhevv balams hrhaLm, raw a1+aNal Wr . and nn+ otFw Ctargsa If you pay yw tow 'Herr Be--. in cmrdawe with the Y I " food- for PsYahems bNOw, and in fits it. it TO be cm&W by You m rt :therm doeirp date. There is m grace period co cash atlwhcaa acrd pace tramlem. M addition, them is m grace period m sty vastaaitn it you do not pay the toll 'New blance." h. Aorutq FNalae Corsage. Tramaabm which are not fmm IAef dste d?Ne?areacmrt 2) /rarTh thine NL?ilw) trrsaa is pmcawd to you AC.Mad or 31 tram the fit ceardar day of rota what bMng period. AddnlotaNy, if yw rid not pay The 'Mew BNaea' from the pwAous bid" Podod h irA, %-- dtuoes Nriti Pe To arfJUR To TNgat, upald balance rand the unpaid bearce is paid in kill. or mere last you mayI? M owe Nmrrs dlaryes, ewe if yw pall the fir d. New BTilres kldemed al ere from Of you suuenam by tow mod Mamas deaiog dins, big did cwt dos for the pmwous -ott. Uped fins- Clerges am added to the appecatle sepnem of yuu Account. t'c MnYra. F Corsage. Fa each bWGV p.-d fiat your seemed 1. srMj TO • i.- drrge to mi i.- tow Rr M4M LIRARGE of 00.50 .111 be "Posed- It ft total finannca dupe raaiirtg from to appgeatm of Your periodic rstNN is Ire den 30.50. we will sblrM tM amosm from Te 30.50 iniirtsan and The dtfemtce "I be deed m The pochome sepses Of you accrosm t d. ToOM eery Radhtdian in F Charge. We reserve tit =to psremaaaa " or el I-- charges 1. arty gown 2. Awagg,. =d teVttael 6 lidttd tg Mew Pu-hoo-1. a. I3rhahL•e carps is rakrdned by madoolyitg the daey beartce of each aeaman if You areoan L.LL. cash dra co 9T, mododc iatarid Nd ) Y total bwt previouey disclosed TO you. At The Torrd of each day dung tm on p Pam, vve apphy The may periodic row for each segmem of Vero anwm w are dely balance of each aepnem. Then a tit and of the bftV Period, vm add p the mwdts of twee dally carialloru to aid- at pari0de Rterca charger each stopmem. We add uP the resuh from each Ng ax to arrive N ere well Periodic Rmnee Carper Ywt acontrs. To ger The daay bolas for each aapamR N yens aaewsn, vo Take In bepirirp belartce r each sepnae and odd smyy sae, Trrmsctas and ON Pedodc fasce diary" coiWafed on the previous arty days balance r it- laV- We does, subtract paymens or erdis posted im of That day UMt am aaseJmd m fht aprnam. TN. ghats ors it. spasm may bawnce fa each sagromm of Vas a rue. Ibwevs, R you paid are New Balance sow s Vat. praviors abtaeror n led (or if your new balrce was zem or • CM& srausl. mw Ifanactiors Whet paid s your Padua or pace purchaa easiness am rot added to fho day balances. we caiclaaw oho average Way bNerce by addrhg all it. Today bNaftcea Together and drdng she Tian by the mtarbe, of the days in rite t stmt being cycle. To CalWate you total firnarnce hynarge, muksplyY you evempe day belanee by Ire dally periods nits and by de runber d Wye in Tire MAN period. Ds to mra6rtg on • day bees, hem may be to aloe wdisce bawmrt 1NS salaam- ofd ere snood Of firtahce chores acbvay Tissesed. b. if Our Cods Z of N ppeaa Of the iom of Ills stsmra rest to "BalanR Rate APgiet To.' is mtstWY the _ periodic race. To obtain tre average dally, beans, for the - Take To. be bd:- aM ?il dolis agora each A h day, add arty new psymams 1rar1aal11Oi q each aspirant, and aLt/e=a or .CkL to the fads N appia m a" f dlia tarlatan more ag'6Nawe Raw Applied To. we also the beeraa aubtreco arty rare od shave verge Irncirdsd I. of each aprertI TNa gives rs the dally balsece Of each TTkhast., add rrqy d To. dely baWtcs for each ssgmrr for M hip period and divide by 00 total morrobs r of days in tit big Period. TN. gives its ors a-.oe diy, bTirhoe of each sepmrm. 3. Amere Pearmage Ibus IAPI[I. a. The less 'AresN Parentage Rate' may appear as 'APR' on lls pas d airs awemem. b. If are cods P pni.W, L 113- LIBOR), C 1Card11ca10 of DepoNa, a S Oaarxead Pofae) apps m has has of has aaramm sere a Are pedodc itorrow, tors raea rd mneead q ANNUAL PERCENAAO RATES Jo-ag pits err margin pF*mwy mraoaao to Vath- These Crags vi be eaaphe m it* fast toy Of Ywr bNNng period mdse ed by VOTe periods -massager efrdeto the moms JnssrY, APO, July am October. c. If me code D OW.W. F (11-.n. UBM or G (3.00. UWA Readoed Mad M a?aa Te tear oT Your "emote rrav 1e as 1>ad zZ is periods race acrd eonompst6tg A/M//lL PERCENTAGE RATE may vary mod 0, Tied say Iohasaea W dsCmaa bad on the stated :hdt o. s fiourd hit ybe Wad Sesa..baooL Poke OU T1heae dmhgaa as you Oahhp period WN V%==4=0. eadt moth 4. Aa..... .To M Late, Oserrsi sad Rukenad =I- fees Y" account wi be assead msae Tun . ased hoe Toot goose doeste any MM period Under the terms of You OaWlrter agassrp, we s to wlve or me ro sessions sty dosWdhrd pot, mNyb you w Oom vtsiWq as dye TO aster die same Or N.alar ,?lassaalawrt i S.TRoonawbtp lbi AsaaL R a ma060rNip Le appeam m the hots a arh ad earn, yot hove 30 days hem it. data Tits sWSet woe -MW TO YOU to awed P.Vkv the fie as a here aadh fs Wedged To YOU This pedied, you stay o row t ? Woos hmliq pay *0 menbewip 1R To tared yam acasm. Yoe resat ratify V by ?g em Co aster Rsaaoe DeparaehanT and pay yY?aTu rho BNrca' h fi/ (eadtodllg tits nrrnbsreip tall odor vas cord d de WnYby Wood- 6. If Too Cher Yeas Aeewat You pit asquarot TO cities ypourer amors by C." Tar Cowmen RNmions Depanr em. Yw o.w deasy ryas asdt caodW Tied coorer asses cods, tercel M poaeWMNed blfing6 and tees Los yOU aocatae N - do not cscal pas oo1t,dts bhp awogso 1V we wi rsrNdar F.Ce l Of ¦ change year ashodoahn To ooPrnr Yon account. Adtgast/Y. Yoe BaetaTi wa rrtt be stead tang you pay all emotions you tea toe irdhodm¢ all tierrscdov You bases audiefted, fimrlce derMs, peal doe fees, _-Ww fees, armed pay- hvs, cash adverse Las cord arty pas W ass,Tiwd w your c ,rrT. You ere reapa.tsale To, three alTherllli htaretner shay appear m yar aostoht a Toe atom Veto m[pae w doea The .fir has « say ere Nosed atbsevtero ro duos apsedne s yon aocesr 11 V_ Malt at him already beer closed. k. . r rive rim trarseeron tree the anent.. after your ¦e-ard has bean doaat, yatr secant wM its q -.d, To. •mOraa d to dMTga wM be added TO Vote access, aM You v j be waparWhle for payment M are is a memborNip fee tot vats .cyst, oho nee wM comb- w be charged, to tit evra psnoined by law, taOil we secure beartca Ilea heat paid n fug as defined above. 7. Usk-9 Yw Aearar.Yos card or accpnf career be used M Creooim with ahN imemn goon" Tra sactor- 6. Notiot Akan Fl. bane Corsair Co,- Wlrr, you to-de a dmCt are ptvw.M Yw aufedt. rs eilllr 10 ties infommion Inure Yon dra>k to more a ore-time aNcuoric kid translr horn Your bank accoua or to praoess Wits parnwa s a drek tramacdon Wier ere use inbmnlpn tare Yoe dreck w make an alearaNc turd uamr, lends may be widdm fro. your bank fYatN ea soon ea Tote seta day vve mcNve yon p.ymsrht, acrd you vhi rem atwive your deck back fmm you fsnsndN iuArinsiorh. BILLING RIGHTS SUMMARY (in Gs Of Errors Or Otspiona Abed Ywr Big) I You dirk Your lei s re .. Or it you need mow :NomMtim co • trssaoion a big, ,its to s on a operas dear as soon s posihle at are addeas r ktquees ahovm ore ere ham of 1Na sfnam"m We see head from you m fare, thn 00 Nys fT. we slim Vat de firm big m Wider the a- err Poablarh appeared. You can W Our Gatomr Relatios ranker, but deep coo hnY rem pmsas?m Visit stformatior. Voteiene Your atasrarQnnhsr, To. TI.N, a seam of the agpeclad rats, a dor cripaOtr of tit error and an etdlsmam, It pOOI I , of Why you beNeve there is error; or it You need more kto.maom, or deacdpton of of. nom you are tetaas abo s. Yw do red hove To pay any aerate in quenior v4ft are am irv mstip' it, bat you se aM obggated to pay ere pat of you bill That are nut in ghwatim. WNM w it.- cow Wur Wasson. we unot ,epos you ere danqurm or v any sect w soave de sanprolt You tpsNis. t,t' Special Rhse for Credit Card PraUase if you hove a prd1 wit the gCwhy of property or srvicn That You ptedeaad was a Credit card and You revs Thad in good takh TO coed the prdaern %th the marchers, you mall rove lie dye nal to pay the has t"rrg som" This m Urt Property a services. You hove the p,amoast ordy when ere ptadrae peke roes mom then $50.00 .it tlu pradeas ahv made I. Vas ham. sum err within IOD rases a yahoo eelNrhg address Of we what or operate ere malotio Tt, Or k v staged yon ere adremlamlrm for tom pvpmty, or services, all purchases am covered "C=go d Timovm or bcadon of punches.) Pleas reaemba canaaprrdrce. t Does Tar apply ft, corrournr -"rodsr cad accrnrs t Dmaa ,of Wy w boaeos --.W cod accxrsts One apporm irrmeas PdncY Protection: am wr a -.cpitNaw -. "sat a 1aWraNY registered -M- mark of Caput arcie CaporarsU AN rights mservad, a 2003 One OILGLBAK 26620M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Wnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment- CaPM 1119 ' Cardholder, A Premium wik tamp Has Been Reserved For You! 9 9o. D • Refillable ink cartridge • Seff-inking-No more • Use anytime, anywhere messy ink pads! • Limited Iffetime warranty • Thousands of clear impressions without re-inking 13 Please send me a KwikStamp using rrly name and address as it appears on my statement and ship to that address Please charge my Capital One• account. Account number. 5291-1518-5636-1793 Custornees Signature N.w only .tah u ww"wo 290927 Complete bark to ceder ad"o" Kwk51anpa. • Ddlich at poforabon and neWn m yoar rma eloca anreno LOUIS U RICE JR 306 S YORK ST MECHANICSBURG PA 17055-6302 Cap.tasOW GOLD AL4 TERCARD ACCOUNT FEB 12 - MAR 11, 2001 5291-1518-5636-1793 Page 1 of 1 Account Summary Payments, Credits and Adim mments Praious Balance $70-42 1 08 MAR PAYMENT RECEIVED - THANK YOU $25 00- Payments, Credits and Adjustments $25.00 . Transactions $309.63 Transaction Finance Charges S.00 DATE New Balance $355.05 2 28 In EMPIRE VISION 4n078 CAMPHILL PA $300 50 Minimum Amount Due $15.00 3 11 MAR MONTHLY MEMBERSHIP FEE . 6 00 Payment Due Date April 11, 2001 4 11 MAR PAYMENT PROTECTION 1-888-S27-6904 - 3.13 Total Credit Line $500 Total Available Credit $144.95 Credit Line for Cash $500 Available Credit for Cash $144.95 At yore rervirc To call Cuss- Rdmiont or to report a lost or stolen and 1-800-903-3637 Sand paym to: Send inquiries to. Attn: Raninans Processing Capind One Savior C.piw One Sari- P.O. Box 85147 P.O. Box 85015 Rirhmoad, VA 23276 Richmond, VA23295-5015 Important Account Information -Important Information 'Plcasse see the paragraphs entitled 'Closing Your Account and 'Using Yom Account' on the back of this statement for important information regarding your accamt. FinatoeCharges PL%sw wrvoarleAAd *imparmntigirnsat- .aah P.nwdt Cwn yws?i„, ICE E jvh"t. rte APPRR ( E PURCHASES 1195.84 -ODDOD% .00% 1.00 CASH [00 .05425% 19.80% 1.00 ANNUAL PERCENTAGE RATE applied this period 0.00% 25590M V PLEASE REMRN PORTION BELOW WITH PAYMENT- caPitaloYlt?' 0000000 0 5291151856361793 00 0355050025000015000 New Balance $355.05 Pk-p1w mrk-thing-61-O1gi6 orRloiald Minimum Amount Due $15.00 _ Payment Due Date April 11, 2001 Sma ' 0 Total enclosed $ Gg Soh ZP Haoe Plum Al- Phone Capital One Bank LOUIS U RICE .7R P.O. Box 85147 0 306 S YORK ST Richmond, VA 23276 N MECCHANICSBURG PA 17055-6302 It'll lu16ar616ul.1Ltl6u11urllurlludLulla,JltrJ I... III...I11uultlrtlslrlILurll.IllaM1.1Iluulltlm661 PI-e writeyorv acwtod nronberm yore r6ank or moray ordn made p9mbk to Q#td One Bank a.d an ad in the -1-d --bl c To order sddit7ond P?ref?telu,,m Kr ilr3la trpft Phase conveh are form below. Phase tynbe dsa* X.VI order forms trig alas fare procetdna. Une 1 8 O N Q r> N Una 2 Line 3 Une4 Line 5 Maximum of 32 Letters and Spaces Par Line Line 1 Una 2 Line 3 Une 4 Une 5 Maximum of 32 Letters and Spaces Parr Line H your slnigphtg address is different from address on your stateroerry please con Wirte the form beloNl An orders win be shipped to f se same address, Rift Name city Phone( State ZIP &MIldl b data apI - MN trddaas ab arcs ML Pines less 3-5 ears for dd.WA The rhehclydis k aiseearand the oar bag am pmow*W byJapoobw CA 7588 B=11iDr Bled, SL ok Lois Pak I. atdry tNSSL3let to Isada prodnck twn C4 oeae an d, ad ad Is k of at m- . anNh cap+ian8kl k oft maFndr fkrrsY6 conk wspomlls tr to s af®elat capital Oar re pits M.F31, neon. Capital ones • fadeaey modeled snails park of Capital Oro Rte CepMdi.L N dyes hsrw& O 20M Capkd One this statement, trat lake the bft* M awearld by begimirsp tslan- of ch sprwe each day M arty new ,-of. la W each toroa t, and sLaae any pay.-. W meats. M as cafe N appeals m 1ha Lana r eis Watson nen b -Brass Itre AppMd To: wre r- abtmc any unpaid finance serge idodea I. to brace of each I This yvs is tea daily brace of each seasrs. Than, - add up d 1be dais brasses for ea. It sagepns I« the biiq Period and aside by des later ounWr o+ days in the being period. This gives is the average 6Ny Wlace of each segmss. 3. Maa l Parentage ass Will. a. The -'Ardor Percerwags Rats' any app- - 'APR- aft the has of that W Wemae. It. 11 the code P Wane). L (3ale. 1.16010, C Certificates of Deposhtl. « S (Brhkend prime) appeals on she Lam r die smlamam nib re The pedode onew. des parkat ncea and Ald- M P@ i RATES may wry paemly War matt inCeso as draeas Wed on the stated kndcas, at bad it The wa/ Steer J-K pits the magln prtniady diadosad m lou. The- Garhps we oe tflocdw on to him my of rocs M podod covered by We periodic srreswe a drg reatde Jrury. April, July and Oaosar. c. 11 the code 0 Wdorel. F (tyre. L1BONl «6 (3- LIBOR scoured =4=. on to Isom of your 09M.-A raw rteW, do padoac ms and eomsep-Sing ANNUAL PERLEMFAOE RATES may wry mashy and may It= or decrease bead on the Wood irn6cas, u toud'n T/e Wie SRA A-.K pka the msryn Pavia hay cheesed w Tote. Tfm d-rps we W eflectiw on tat fin day of your loafs p period each manth, d. Asa and N Lsaa, OwGeM led Flattened Pey.et Fes. Your account will be asseasd rib moo than sea ar tat foss listed here that ocoe dudn aay biting perod I/rndsr the temp of vole sunset agseonhe'a: aw curve qtr ddht b "w «net b sees shy feel without pd. nhoticJtiann b you withaxt -swim ou dyt b etas dine >one « siepvr aam W a lase the. S.') R--bm Your Aooaas. If a mshenrip is appears m the from of Ifia our aeell. You haw 30 days free dss date this statement vma osa.d se You to avoid payiq the is « b haw rewh fatr P. - io you It you excel Your access. During this psriad, you matt contents to cure yes account without haang so hey tat oeWnWCryp fast. To cancel your accost. You saes rrodfy m by ca- - ou Cuaon- Relations O'tPnenanp mrsdnpWsops New Balance M ha leaching des 8. N you Cate Your You can mqueze to donee Zattest by uNhhp die Cussror Refatloha resew. you must destroy your crsds orgr sad account access decks, con cal - Oreah . . ..N ==. q you sxphest. If you did not ahead bhp anagst., ew will cahrtler IPapa1 yar alilpl of a chore your authorization to eLtelt. Additnlady, yen arrears will rat be cased her you My r amours. you owe us' ', I anW uaeaniom yen taw Walled:ed, tirhace rihnpu, pew der tau, owarsit I.. retunwd xsyss s loss, cash advese feas and ay units fees .-mead se vote attars. you as oyarWle for tau sacra whin her they appear m yra abcaea re to tit you de rest to does the aeoraa or they am, nerhrd gttAoq wo to your ggnow b alas the accohat. This may re.* in Wads appearYhg an you sawn trtw You haw your across if it has ready been rimed. Far eraaple, it you audnritad a pnaWs Iron a momham and we mceiw the «seadion floor the mordant after your recoup has been dosed, for aecahad we be empored, the se-ex at the dupe VAN be added b Vas afr:eunl, and you won be responsible tr pa=.= man6Wriip lee fs your e-I. to be darpad, the assn[ peffshr d by faw, ur.e the aeeocae b.lorca leas been pad in Ice as defined at- 7. Uang year Ac--t.Y- and or accetalt cress be wit in carsaction with ant, Ytemet gamberm I naraacara 8. Itae- Abai Else&-ie Grak Corwaauc. When ysu povars a lack as Papnaa, you au dzO m ether to het kNamatien Iran lour dock so make ape-lne rectraic mad cm-far (none year Writ scout or to pocs therou a tack t.n.-d- When w tekd.on your dads To make aft elsctmme hear traslar, funds may be withdrawn Imm Yon bash aerated - sous s des aaee day we mc.1w your payrnem, and you we net seceive your dads back from your frundal natiu den, BILUNG AIMTS SUMMARY IM Curs Of Enure Or O each s Abaci You Be) It you aninht youe NI "s hwhap, « if you nerd mac a Wallletio n en a traaaelierh a be, awxte to nor on addles for spame show as soon ea pose- . A the Mpids rpm on the Isms ar tNe sutemeril We hurt hear nom You ro facer ass e0 days after we sett you the Ism loo on wficA the errs er problem appearad. You can call our Qammen Rratioro number, but doing s we not pmswe your dyer. k your letter. III- m she kNonirp .demo- yoot rune and attest -bar, the daft, amass .1 0. wapecual ever. • description of the enter and an explanation, M paasiMs, of why yon befiew them is ea clot: or If you need nom informanon, a description of the ham you am ease able. You do not haw to pay any amours ill Qaralel while ale am hwaahpaky it, hut y- am on obopated to pay the Farm of you trio tat arc cad in gnasuon. WNIe we L1wWgWe your 4aAw4 aw castor reppn you as drnguefp or sate any action to coN ct the anosrc yon gnneAion. t,t Special Wdo For Cams Gm purchases If you haw a problem with the gushy of property or services teat you purchased with a credit cam Fear you haw tried in good faith TO caroc the gram awh tat merdem. You may haw tat Fight not to pay the resin irv amsad due on fat property or sonacers. You haw this protection only when ton Pachss pace was nom thin 850.01) and the ppeuea oast mark in your hoe state or water, t 00 mss of your suing adds. M we own or operate the me chow- or N wee m~ you the dvemaemnr for the pnapenY or servicas, aN purchases sewed mperdles of awoun «IocaTian of phmde-.) Pbaae mneahen b sign ail canteeporarenca. t floes per appir m coeseror,hpnnaoa cmd. -we t Does ad sppfy a eusass pen-vwt card aoerals Qpiul Ore supports iMomotion pdvacy protection: see ou arebalte A www.caphrane.tam. Capita One k a kdarry reyeemd srvt mask 0 oohs es ens Rrwncal CohPmeiaL Ay rigltc rwd a 2003 C+PIIaI One 071-01-BAK to. G- Pried. Yon .0 ha.. -.livens gm¢ traded at 25 data within finance char pure ases, new br.nco $-Ism, raw lpstiel ptrdwe and raw Oder dams 1I You Pay Yates lots 'war 8 fofor p ra -, n hn! stxordrnca wit the eo N y yo yau sib ard ash n time .T Them k b W o cmMe grace by r rtes flad- d dial. fafa rib dram pedod lot cart atMrorio an end sp spacal miters. n do no, the tam,t no gars period N on Wry vareacion you da nib Fay the Tool 'NSw Wlentir o. Aeaukhp Fiharnea i].apa. Tnerrars"oe vhsxn as roT schjsn to a 9mce peiod an sassed Tihres dame 11 tram Tla tl pr se your « 21 cat o in des dna the transaction is s proce rsead o to yar Account 31 form Thely, fin u day it toften bMV paiott Aid" it yon pay te -sN Brace real 8. pateal e t yOuo? pe did lo net t ce pnevtas Ve np ld bd- team the ugrd brace is paid n luN. TN. mesa tat you may M owe Wants cans. awn it you Pay the armor clew Nsiarnoe Indicated m to imam of dam, las did do se 1. to heavies memh Base tlwca charges ere sided b the appRUhde repass[ of You Accourc. t c. Wi a- Rhees Chage. For each bring period that your amours k adieu to a Warta clangs, a aso*- tar FINANCE CHANGE of $0.50 wN be imposed. It the tar hrurce dame n-**V Irma tie sppaced- d Yee pedodc retrial k is drrh $0.50, we wet aatnam that aeoum hen the $0.50 *d- and des diffearz wa be bowed b de places ssprara A Yerr access. t d. Te porry R.d?dian n Fame Ciraa- We msrw the dOttt to eseae any a dig 0 -- chorea for arty given 2. Average Dally grace IYddaq N- Fie whassat- a. Finnrs Wore m ufaaW NW by ndMyyktg tat d1dY be[- of each aegnarrt of Your screen log.. cash "Ie ce, purchase. spacial TranslM, end spper purchase) by tat c«naspadnq daily pedoae r tW tit batr bash pnwiaNy disclosed re you At des rib d each desyy durYp tha eNWm perod. we aPPIY fl s dry period. ma br sacs s gerem of your occoult la tat dry brans at each sepnem. Than a to annd of the b ing passed, ale add W q aft Of dFam faarce charge br sch eapnas. 11% add up to rswtm bore each sepears to arrt. A des tow pesindie marce, chrge br loot attar. To am to dry Wfarco tr each sapnru of your attuuf, eta as the bagkaaq bol- for each sepe ve and add any raw tareauiara and arhy pododc limns charge calmieted on tat peviae days beWles br tit aapmam. We ten arbl- ry paymeds « ems. posted s r tld day slut are creed 10 tat scorers. TNS y'ea m the separate dally Waste la eam sefiners ar your aLSOCSt tioweae. N You mid lid New Brace shown on You preelar Heroes n full (« if you new bounce war zero e a COM sea ell), raw tmneaGxon s which pmt W you pcaehatrtr er spadal phadu- aspnars are rot atldsd fe ma dry brace. cafulee de aver a O de age dry Meow by y the a y. 1. e thtac ear aiiang tat non by y the nm, your of r c tat daK h e curhem bNNsno cycle. To tascieam Your tar fenerce Wrpe, OwtW You ..mgrs dry balance by tat rLNV Dedoac ma and by the ass . of days ih tat lilWq period Due b rotn6rt8 on a dry bask, area may be sliya .Marrs bettwet Oft calc lation arnd am adoad of finerce Wore amts ssarmed. b. If the code Z o N aga.m on the from of this reaTanso nerd to -Brace Nate Applied TO,• v- eddply the 25590M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Nlonday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. DAVID GRAY: WHITE LADDER David is one of my favorite artists - beautiful in the purest and most honest way. - Dave Maglim DIDO: NO ANGEL British songstress Dido - a cross between Sarah McLachlan and Sinead O'Connor - is racing toward pop stardom. And considering the beauty of No Angel, stardom is around the bend. - Elie ALABAMA: WHEN IT ALL GOES SOUTH From the RIAA Country Group of the Century, Alabama soars int the new millennium with When If All Goes South. 0-TOWN: O-TOWN From ABC's series Mating the Band with their new hit single Liquid Dreams from their self-tithed debut album. 524700-01 83 off regular price 81 on sale price on any of the full length CDs featured here when you bring this coupon in to participating Sm Goody stores. Go to samgoody.com/capitalone to sample the music and buy the CDs at these same special prices. . sanig ?M ?o =P -98tio? ?o LirrW one item Per cotgm. Oder amat he used in =o caqunc ion with any other coupon, sae offer. spatial =o order or online purchase. Coupon eared March 1, 2001 -O lhrough May 31, 2001. Capital o W GOLD MASTERCARD ACCOUNT MAR 12 - APR 11, 2001 5291-1518-5636-1793 Page 1 of 1 A«ount Summary Payments, Credits and Adjustments Previous Balance $355.05 1 09 APR PAYMENT RECEIVED - THANK YOU $25.00- P2ymems, Credits and Adjustments $25.00 Transactions $106.45 Transactions Finana Charges $.o0 DATE New Balance $436.50 2 13 MAR YORK ART ASSOCIATION YORK PA $96.60 Minimum Amount Due $15.00 3 11 APR MONTHLY MEMBERSHIP FEE 5.00 Payment Due Date May 11, 2001 4 11 APR PAYMENT PROTECTION 1-888-527-69D4 3.85 Total Credit Line ON Total Available Credit $63.50 Credit Line for Casb $500 Available Credit for Cash $6350 dt ygar scnwe To ckU Cu.to Rdstiom or to report a fort or nolen mrd: 1-800-903-3637 Seed paym w: Send inquiries m: Attn: Remittance Promsing C.pimlOncSmear Capiesl0-Seniors P.O. B. 85147 P.O. R. 85015 Ri hmond, VA 23276 Richmond, VA 23285-5015 Finance Charges Preausarewresikf impodxttt f-atiatl a ?a j gpsrd rak dPR CHARGE PURCHASES :+46.30 -eo0004i .00% s.OD CASH s.00 .05425% 19.80% t.DD ANNUAL PERCENTAGE RATE applied this p..Dd 0.00% 3202M T PLEASE RETURN PORTION BELOW WITH PAYMENT- T capita10ne 0000000 0 5291151856361793 00 0436500025000015007 New Balance $43" Pkaap nt.ura.e.ceslydm?Jdr... .? Minimum Amount Due $15.00 S - Payment Due Date May 11, 2001 ? Apr e _ Gq Sim ZIP Total enclosed S _ Home Phone Ahawa Phony Capital One Bank LOUIS U RICE JR P.O. Box 85147 ro 306 S YORK ST ° , Richmond VA 23276 VA 23276 MECHMICSBURG PA 17055-6302 Please -te yore --f lncr-y- rhzkW rrmrey onto nradepayable to Gpa d One Bank and .d .v the mdaud-Jope. Save on Select Sounds witli Sam Goody! o DAVID GRAY: WHITE LADDER o ALABAMA: WHEN IT ALL GOES SOUTH c DIDO: NO ANGEL o O-TOWN: O-TOWN This coupon entities you to $3 off the regular price or $1 off the sale price on any of the full length CDs featured here whom yen parcimse them at Sam Goody. Visit samgoody.condcapitalone to sample the music and buy the CDs at these special prices. BIIG A Sam Goody ae na aNRafed vih Capita One, and cepsl One does not Ptdyids o ehdo- arty WDduch or sewkes offas hre. capRd One is a federally replolend -wipe male of Capita Oro Marcie! caperador M rights reamed. 020101 capita One t a?Oraa Paid. Vau will lute i mkrimun pace period of Lharhx du?ge an rue purdheas, new 26 days "hate balahca talhtlea, MW !per WrdYIR and new ahM riurpes H Y00 P•Y Yaw pota 'New Rule..", in axadanca wan Te knPort•ha Notks b p.vmets below. and in fine for It Ta be ce[ted by you neat smaneat coainR dna. There I. - race paTOd an cad, advrrra not ?ecN mrohrs In adSaion, there le ro Rues Period an any traroactipn if you do not pay the tad New We-.' ahea Orga. Trasacias haaiU au eat It. Aaaukq Fiat he m tut de theetraruactiana?a 2?) fimr the dstc?the I tarwctian is procssad Ta your Accost or 31 from the lea ralardwr day of tr crrrntt big period. Additionally, H you rs rho pang the 'flew asistes- ban the previous b1rV paled n k1, Thrrh? chugs tamiuw to axnr to you -1kJ balance matt the upaid balance as paid ih fi. This meta duet You rsyy set Z rove krnree tiurpa, even if p*Y site excite New Balarnee badratad an Ue Ira( of anreaa by Ur as r somm rt closing kola, but dd rrt dD -for tlhe ptwiae mode. tiprid thence dhages you Aecoua. ae added W the -::sutler a.. of t c. Mnketea F dung.. for arch burp pedod Tlrt Veto aocpst le aTbisct To • tree charge. s miiaun tad FINANCE CHARGE a •0.50 vi be imposed. If The tad fe- dhage -Aft faro the application of you pet tle -.4.) 1. less than $0.50, ew era sbluct that amount fran The $0.50 rnininasn and the difference vA be NOW Te the ramh- aepns? of yea ata;wn. td. Ye pee , Re8raion iT Firhee Charge. We reserve a. rip1T to nat esea troy a all fears ch.Mes for enr given pNk.i 2. A dvangalip 0+1y Baaawa Ikhraadaq New Prrdwssl. a. fthahpe drargt is fJladaad by rrThtlplybg the deny belence a each aaprhet a your axon k•R•. cadh dv phrdrse, spa trnrta, eat l That purtlrsel by rhr rarrayan6g deny y padodc rataW That lm bean Paviouely, debated to you. % ae cad of each day dukg Ue being peidd, rA apply dha daily per4de rata Mr each sapnra a you aoarn - ae balance a eruct Th tha InM.aTa of a Chase e and a fM :Croat, veer sad rp atding caladatiar Ta arhive at pedoda: Clarice tarp M tech sephrn. We aOd tp Tu ,- ft from soh sepnat a ardee s the moral pshfodc Rrharee hifarge fur ye« atzahat. To R•t Tr Wilyy halaaa hr each aepaem a your axaaa, we ate The bepMrp halarnce kr each sepwwt ed add cry new trs clk- and try pedode Rnerse doge uWi.tsd an tha pTeviohs day's b.larhoa fe That sapmerht YYa flnarh abtraC •rhY payments «aedN fmwad a a ma day tlrrf m alouled ding balance to lhal sspwv. TNS R?• is Ure Swam f« each aepnaa of your scout lloarevec If you paid the prseias aamrhhet kh lei la New BA- down an your It your new beleroe veer zero « a aedt araahre), row traneaedar ,rich paw a =P,=: a apasi pudu- aepneti as not daay balenes. We ululate The ...p daily belance by balaecs TaOether and dddng the ass by The awba of TM days n tha cream big cycle. To caiarlate your tad rr- chargea-rap ding belerhca by The Paodc 'XI== aanbsr a day. in the b" p=E=I. undhV duly tads. lure may ha cbeteean tie raleYOon eat tha amrue. of fours chage ctuiy aaseaad. It. If the code Z oraN app-a an the fen of The sinenrm neat w'Bdanee Rate Applied To,' we avdriply The O 0 ro to O to N pedodc me. To obtain the average daily balance for the bang petod c-.d by this asaaaat, Tee lake the bepiminp baleree o1 each •eR•t•t• erih day, add any new. lrarwctions to each aepaasm, and sehtac achy payments or cams. (N the coda N MIT is an the fiat of this start- nee to'Bala -Pea Applied To; we oho ..tact any =%-i dap ithe bdaree 01 each seT1?,s a The daily balance of each =6.1= hi7 Pe?T . ad dhR bat- furl ? 1 I. the big perieQ Th's Yves us the average dally baWtce d a.tin fegn sa. 3. Amual Mceaape Rates CAPRI. a. The temh'AtsW Pemwape IWs" mry appear as APP' -the bona or is aareraera. It. If the code P ghdnW, L Cam LIBORI, C R:atificaa of Dei-Q, « s (SN*c d Pia) appose m the feat of This onset nee a des peatsdc rarI I the c ate .that nsnespohdvq ANNUAL PHICBff RATES maV very q n dy and -V' rhneaa or d- based an the salad indices. s laud is The Wahl Sans =0====- sisdstl m you. to Fro My of Y" bft% I. Thee rowan .lasrry, ? Apo Jdpy ird Oeeber. c. N The coda D Wahns>, F (t?ppm? LIBON « O q+.w. LIBOR sane inn ao f s spahhode atald, paiede ms and coneaPen6rg ANMAkL POKMUTAGE RTES may vary motdiy, a ant Tasy Irheufe or decease based an the aced kh6caa. as I, it The Wei Senator JD.,,K pit. Her mangirh :aviody decie d to Yon 7lteae dnahps wi be etkcli- an the iaa day d you big period each moM e. Aaaareasnl of Lea, O-Sawk tad Rhhkwwd Pai-eht Fear. your sown we be aasad no not tan two of The fees IGO petod Ihder the Bated Mh4:_ Comm of women apeaa.rs, we hserre tM dplt to wsive « asses any lea rttru Pnor rhatlication to you vtfdat eraihirnp our Tim -saes Tr acne « similar a a leer ties. 5. tar Aosst. R a aeabefdtip Ise app. f an Ube ate a Via aessses, yea Ma 30 day frorrh The due this ware case cried To you to avid p.ykg yu is a a ha- w each ftp erected to you if you cenod gnu To atmua- DhrTbg that gated, Yon troy car*- Ta z7. =1=11= pay tha mruTbeMlp east tray hat Irv ciup o GTmha ilda?hs DeP+ntrTaa =Y=14 Pdar o 0. nd b1 the t thhdahp the f Yea Mese tae Aem A Nat I. You a V thu hiny-0ry pedod B. N tea clo can raghea -dote Vote, ccoura by Doitaranant. c You nhm dea edt d sM eccoons cahre axes hires, cancer as phshdadaad blimp, not wa rasp Vas actaur. N gnu do na oral WshaMTred bNahg amagasn, ere .i aarrtir recsip a a ch.Tp yea ahdrizairn fur Terpen Year accaua. AdddoneRY. Your aooas ai tar bu deed tadRyoupay =-=-Z s indh6tq any iramacdas Yi m (kstre charges, pas due fm. ormfinhh 1es, aaarhad gayness fees, cash admtce feat tad wry other fear as--W N your cows. ran ,Ter rangaaae err true awes the, may appear an you, arson m Vie thephr repeat to dose The aaaurt or try ae beamed nhsapret to your tats e t to dower the acahn. This nay sat in turtles aMeadre an Yoke aeaatas afar y- have Your account if IT her dowdy been esel For enmple, if yon atsdzad a phrdu- tram a merdum and we aw. cdvees the has been an ion frown tlu account rat alto your knead, yae arsccwa w81 reopened. it. aawq of the doge erne be arlda to your accotint, and gnyauu vhe be mngardble for pey-er. If (lure h a nheribentiD tee for yar toeet, Ue lee va(tl camkxw Ta b' m Tr earn:ermined by lee, matt the exam( FhWnee Ins hash patd in full a. dearod above. 7, thing You Ae-uad-You card a account carrot be .seat I. connection eukh any ion Mort gambles naYedlasa. B. Notice Abort EleaadQ Check Ca tech. Wlrn you pmsite a check as psymet, you ahahaze Ta either to rate intaan.1- horn Vota check Ta tyke • one-time alaeuonie keppdaa trarrle tram you bane aaaaaa or to When hseinarThthaaTian 1mm your deck m males an electronic tad vahala, lender oY be etitldrawn Ihan year bank account as sou as He tame day we aceNe your paymea, and you eat not mcdte your check back tram your frhanc?af mtitu BILLING NIGHTS SUMMARY On Gee Of Gres Or Ou-d- Abed Your Big If you think yar W I. twohp, or R you road mot infoneaf- - a tr a-fial « bill, cadre to hat on a apahaa alhal s tom s pors6le a at the address for irhCa aauah m one trot M tNS ateroro. We must hear nom you ro let. than !)0 dsyy+a one we art you the tat b1 an "hid h Ohs eu« « problem appeared. You can ca our CLwt~ Ralalterr Tunber, bat Teitg -will rho ant atssut nanber, tM attar &M opd fosvkirg ===- amour a don, N If prhWaaergot,WN, a of v by coact of tha eto an you berieve then Is error; a if you reed eon iT"Tae, deecrfption or the iron gnu ae rarhwe abut, you da nos Imo a PeY any amanf I. rlu .d- v tft M as kMRigalfg t, but yon as all dtkR•tad N Pay Ube pans o1 your be art as Cal n Vteppn 1N1a ne irrestipe your gseaim, we ramot most you - teat YUCta or Take any anion to cosct the emaaR you thaaan. t,t Spate R ft For Gads Caro Ptadhaaa If yon Mw • :'Gleam will Tw nY of PropatY « -nice cut you prrtri.e0 edtn • urea( nro aro you have nod in good tad m mteL't the prebten eMh 'he merchant, you may have the rift not to pay tha remaking teneas due - the property or a.vi-. You have die pmectim o ! vdanh 1M p=- M-00 glee case more Than tad 1M Car= mods n your home tae or rain 100 wigs a vat n.0 add- (If tee own or purse do anerdrla, or It we mulled you the .thensen ea for Ur property or -,Ares. a pch- as cowered repadeas of amour[ or location of purchase.) Pleas ama tbw to sign all con wodenee. t LM not apply to mmrmer con-oatyl cad acc« T Do- nor aA* to brsaeas aan ea M tad --W. One appans Woonatien pdvaey protection: use on 0 www.Capitalene.cea. One is a f•d•tiY tsgiasred -,A- mark of Gptal ureic cotPoatea All noes reoen ad. 0 2003 One 01 LGLBAK 3202M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper tips, etc. when preparing your payment. 010118• Cardholder, A Premium wik tamp' Has Been Reserved For You! • Refillable ink cartridge • Use anytime, anywhere • Limited lifetime warranty • Self-inking-No more messy ink pads! • Thousands of clear impressions without re-inking ? Please send me a Kwik Stamp' using my name and address as it appears on my statement and ship to that address. Please charge' my Capital One• account Account number: 5291-1518-5636-1793 Fpe Ord Customer 'S CAaDHOIDEeS Signature (wsd e* wn 1,01 sogeak n) 298909 order adCODMI Kvdk Slampa on back. • Detach 84 Pwftmdm and tsar[[ in your and to s sbpa. 526400-01 y ONLY ?9 99* 6295 Pius a chant gins LOUIS U RICE JR 306 S YORK ST MECHANICSBURG PA 17055-6302 capital ow GOLD MASTERCARD ACCOUNT APR 12 - MAY 11, 2001 5291-1518-5636-1793 Page 1 of 1 Account Summary Payments, Cred-rts and Adjustments Previous Balance $436.50 Payments, Credits and Adjustments $.00 Your scheduled payment has not been received. Please remit the amount due appearing on this statement If Transactions - $35.06 you have ahrady made your Payment, please accept our thanks. Finance Charges $.00 Transactions New Balance $47156 Minimum Amount Due $30.00 DATE Payment Due Date June 11, 2001 1 21 APR SHEETZ #2o1 MECHANICBURG PA $16.95 2 11 MAY JCPENNEY INS 800-527-9767 05109-06/09 7.95 Total Credit line $500 3 11 MAY MONTHLY MEMBERSHIP FEE 6.00 Total Available Credit $28.44 4 11 MAY PAYMENT PROTECTION 1-888-527-6904 4.16 Credit Line for Cash $500 Available Credit for Cash $28.44 dtyonrrer4wc To caB Customer Relati- or to report a loo or stolm cu& 1-8DO-9013637 Send paymatts to: Send :nquirio to. Attn: Reenot-e Prom ing cq" Ole Se,v;- Capiw One Swicc P.O. Box 85147 P.O. Box 85015 Ridtmond,VA23276 Richmond, VA 23 2 95 -5 015 Fun. Ch.%,. Ptrn csm rexrnriA* i -portaat informaion g RISE 'PtrWh, ? PURCHASES S44L83 .00000% s.DO CASH 8.00 .05425% 19.80% $.Do ANNUAL PERCENTAGE RATE applied this period 0.00% 36049M V PLEASE RETURN PORTION BELOW ViRTH PAYMENT. V Ca ftalO ICa 0000000 0 5291151856361793 00 0471560025000030008 New Balance $471.56 - P&aapr>it.lbrn a6sga dr6w ruin`6&ro.dLo?:sE Minimum Amount Due $30.00 gym Apt e Payment Due Date June 11, 2001 _ Gq Sae 23P Total enclosed $ Hann Ph- Ah- phone Capital One Bank LOUIS U RICE JR P.O. Box 85147 0. 306 S YORK ST Richmond, VA 23276 MECHANICSBURG PA 17055-6302 6aI119 1 1119 1 14111111111.9 11ttt1111IIIII1 911II1aI IIfllttrl 1111811. 11111511111111111111111 Pleme trvitey- a¢oant number-.r be h or rnaaey ardor mat&payable to Capad One Ban6 and mail in t!x -dr d easelopa r To order additional Premium Kwik Stamps, just print the Information exactly as you would like it to appear on your stamp. Line 1 Line 2 Linea unea Lines Maximum of 32 Letters and Spaces Per Lim Line 1 Line2 Linea Linea Line5 8 O N ? tD m N H your shipping address is dlfferent from the address on your statement; please complete the form below. All orders will be shipped to the same address. Part City -State -M Dai*mpha-! 1 -Subject 1. WON epprore. MN rWdarfs nun add sma a Imo Plassa allow 3.5 weak, for delivery. The arch ndee N this offer and the offer Bean an presided by,hps-plain Co., 75W Excelsior amid. SL Louts Park aW 5502045111. Jape-Gl m Co., an NdaperdnR wrnparry spedatri g I nmaLordmr sels, is Solely mpammHa forth po*mb olrered .d is net estimated wUb capital One Fr.acial corp. Ollsr spies in Og days. caper one Is a federally wpimawsd ssrviu mark of Capital Ore FinstcW CorporrNn N d" rparved. 0 207 Capital One periodic sl.. To obtain S. ¦ .11a daily balance for the E111" period rss.rN M tliu stnegaam, aft tai. h bepinrg balarae of each sepna m cab dry, add any trarmeaNmma m each s.pmlSm, and ermb act ary ,marls w aedlu. fit the ceft". ppsen m h Tram.rshta aaamant nap m 'Lalwo Rae Appa¦d To; amt abo mmbtrect ary mprd A- dare included I. V. balance of sad ) This pees u the daily balance of e..h "gars. That. .o add alp all der daW dad- for each nth of loarl. days in she billing ?jammed and by tat 1-1 p psolod. hi pwe r. the aMwpe dMy balruce or each aepnaa. 3. Mead P.e.d4 Rhea IAPRL s. The arm 'Amin Penniman Re.' nay appear ea 'APR' on d. Gas of dam mammas_ b. If the code P IPriemad. L 13-me IJBOfO, C Cardficate of Dspositl, or 3 M -..d Pm) appears m she tams of tNS mser._ men as an peiodic mead. the c rates sal r-rmepan ig ANNUAL PEACMAG (L4TES may wry mentally mad m m d. SMW Ndima¦. as' ' i based in 71 a rSimar Joseng Palm rho ¦. - prsvbudy d¦dseed to you Th-se damae¦ wi be w fediw on h ass day a your bailiff paskad in the monshat comasmal J.mmary, by Vote AsiaJuly and andim c if the cede D IPise), F n ann. uB0% a G 93-mo. LIBOR Repriced Morddy) eppmrs on she bps of your statanam mess m she P.tadc mtaW, h Peio6o rsrea and usnsepm6q ANMYLL PEACEMTAGE RATES may Wry eased indi , ces ,, read assay as fatind dN Th. oral Sent JimeaK plus disclosed to you. Than charilpals the reaVal 1i be enscove ofactiously eee $in day of year baig peded each morale 4. Aasmsrwm l of La. Ovaialt end Raisons Prymmmt I-. your accvtas wi be named - n-ur ha ace of do fns road here than came dui- any bibs l emied under de terra of your tauter agaenem, ww maarve h rip, to -eiM or not to assess may lase wmia-u pima nods-:- to you Without Mier me dips to oases h sae. er swami n ¦ lass tine S. appears oil Yam Aaswea. R a mmtba W in ppears psere m the home is me s his manna, s,, , We rave v 30 days from h dase ttis man urea maid m yw to maid peyk- h h a m Ices and M aednsd m you tf you am amwm- tl *h Vis m you may cmmiam, s 10 y to use year arson ,*h- hamb etnr pay h membarslp lee. To uscml Yes acratat, Y on ou mat Uii d. 'a and f a by and eta Balance- ice- N in r fu/ Rel¦tlau Itadtrdag due and pay yw Ne mem case reN pion to 1r. wd 11 9, t iry4ry priori. 6. Ir Yen Cime rata i?ea¦mas. rmu tats .pest is dome bayonw ecrerrr by raig ar Quasar ROW" 0epamnsnt. Ym mull destroy your ,left -ON and eaeum arses ducks, catcal .4 pmmlmd¢ed M&M, and cease account. R you do data cacal ,.so of dred ara d.a Ws o i eanaldar ecdp • drape Y• .0hdradm m -yam accotao. y¦rd yam ¦ ni not be cases 1 all you Pay peY an M c Yonmw ode se fn chart you how, o e embodied. - dup ay es, ,, pen cis fees. o verirmil lees, assumed pymst, fees, cash advance alms and stay casts Wea 4==j. your account. You ne rssporwmale fa u r whahr may appear m yon aaa e a h due you apse m dose the amour a day ors imaad mEmep-m an Your re4urd . does h arcan. This ssmy roam ion dardea aooeaimg m war rcceam aR. war he- if you aWnd=ed a?pudalready, been clossid Fm rs trom as merchant and v- row recel" the transaction from the merdunt after your account had been closed, your aceea, vatl be mopered. the amount of the drrye edit be added m your account. and veal wql be .apamaWle In, pity'""". If a- Is . membership fee for you account, h we am msNue to be carped. u the tsars permitted by law, usg h ceou nt balance has been paid In kd es defined bone. 7. UeNp Your A-M-Your card or eecmw sand be used in co nneetim with any summer gambling ,= Intel. 6. Nile Abort Electronic Chock Conversion. When you p Ad ¦ duck as payment, you authorize es either Ica use Nwensimn from Your dock in make a ena-bane dsdroolc fund Imnsir boss your bank account or to process the payment as a deck transaction. When 1e use Ntomsdm in me your dock to make M electronic held van,ler. Inds may be wilt k- from yet bark account ea soon as the same day we mcei- your payment, and you vA rum receive your check back from financial Inituim. your BILLING RK*fTS SUMMARY II Can Of Enos Or Qewion. About Your Bit) K you think your bill is swop, or it you reed more information on a transaction or bat, was to us an a separate slag as sour as possible at the address for inglioes a- an the fen of this nasmmra. We mum hear from You no low hn 0 days arm ors sew you in. in bat on 14:11 the enor a prodan appeared. Ym can dad m Customer Ralarims numbs, but dong an vA not preserve ym dams. N your womr, pee us she Iolbwing arbitration: Your rams and account ember, the dollar moats o1 the suspected stror, a description .1 h enor and an eplarution, it possible, of why you believe diem Is .n error; or if you rued mom idormation rlescdpnion of dot low you son alma. shwa. Yon do not Ave to pay any arm.* I question w11i em are invenlp 2 a, bull you am will obBpatad to pay h pant of your NY ow are not in pmsim. While we i mesdge. vote piston, eve omor import you as delip aim w take any action to COMM the .moat you gwart., t.t Special Rub for Crew Cad Purchases pItM h ht ? yeillt h pmelity of prdpeny w how filed I Yco pud.aed wW1 a ,ride non and yo. as pond Wilt an rerun h problem whh h merchant. you may love the ripen not to pay the mruaiirg protection due on the property a services. You haw thus only when the purchase Irks urea mine dal $50.00 and the purchase urea made in Your barns suns or wilhN 10 miles d ban ataig addrase. III vve own or eperee h memmynara, a n we mated you h edvertiserna, for h IroPeny w services, all Pont. es arc covered negardese of mamas or location of purd.m.) ale.! r nod Fqp to sips . mmspadermce. t Ones nor apply in cprraarrrer morn-credal cord semrnK I Doas nor apply to businss nun-crmdir card aecooms Capital one m tvmrtm Ifmm atimt pi-.Y protection: men our ,-taste at wow, tom. Capita One is a rally mpstsed service mark of Capnsl O. Rnsndal C.Mmuor, AN ripens reserved. m 2003 Capital one 01LOLBAK J 'a. Oraae Period. You will luxe i mkinam grace period of 25 days Witham fr1¦nce durye m row puedrra, new balance translsn, new yadal p¦dueas ad ruw other charges it you Pay vote tout 'New an.eo'. N accordance vash the Importers Noce for payeaea baba-, and in time br it a be ..Mad by your must m¦tmnas closing; data. Them in no grace paused m cast advances end apedal tnr.(e.. N addaus there I. ns 9uue period on arty irer.ection if Yeu do not pay h teta 'New balance.. b. Aeenirp Pare! Charge. Transactions vallich so nor ereied to a pace period am .seeaeW America charge 11 tram 0. data of the transaction or 2) from the den the tr.aapim I. procered to your Account w 3) fun the fiat calendar day of the eummat baling; period Addliorasv, if you did not pay it. 'New Balarae' bum she p.afam ybtlft period N bma, trance charges man.. ecaus, to unpaid balance until Thisr that You my ? Bmbalance d:glse, in venf?if you pay the statue Naw Balance Wismar m an ftam of yon nauseam by h nest sunerrrt ?- dim. bull did not do an for the prams momh1 trpmid fiam charges am added m the applicable ¦agrnsm of your Acratan. t c. Minima F Omnga. for ad baive Penal sat accouse, total FINANCE CHARGE of $0.50 will t; sed It the total Imams, charge resorting hen h app5ndm d yam pedsde mt.ld I. Ise wart $0.50. the will aisstt Vat smart hum V. $0.50 minuet and the fflelance wet be billed in h purchase aspmmaK of year acorn. j' d. Temporary Rmfuosin I Pirwa C.... We anew, the dgM io rut --m any or all amuse ,huge Ir any porn u• pedad 2. Avstape plea, B.mmee 1k?dkmp Naar ltrdraeaeL a. Fiance lugpe Is nkm4ted by muldplying she ably balance of tad rpna m of your arson le.e-. cash adverse, purchase, special transfer, and special pu h-) by h corresponding daily padodc metal that Ir ban ft* ? v?d.f?aW to you. At the MytlaW of each rases tad Pa. sepals, of yam account to ft= balance of se1m sepmmm. Than n the end of the bring peerio % ors add up tha rdu m th see W Ws os laminas your periodic Imence damp each seprmam. We add up d. remits from each» to erdw a the faster pedode finance W cgs Ice yon lama. To an the daily blouse Wream h egad of your account, are take h begimkg se(unem and add any nautrmolacei.u and any periodic firnrute Wrpe calculated an the previous day's balance for that ¦sgrnsm. We than aiaact any pavilions; or credits posted ss of am dry that am allocated to that anemia. This proms ce dot emissions daily balance for each nflanna the M-n of New Brtece on your peaioa statmeners in full (or Your acccant, If Your - n Wasice - rem or a amAk ¦mwmL row post to your purist em apaeial purcNea "peatis are not added to the daily beemes. We ralatare h awmage daily bean by adding M the daily b.1- togntar and dvidng the sun by the nsber of the days in the c rrao bl&V cycle- To nladate Your total firontee charge, ^ and purr mwragm derTy balance by the dally ' ass anti W dot number a days in h being pe routing an a dally baals. them say be ! alips +sari h amrmdat of fir m ch.Mee a akady thh messed. the BurgcrceaY messed. h. It the cede 2 or N appease on the from d lhls .aanant men to 'Bdance Rub Applled To; von mmdliply h 36049M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other bastion or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc_ when preparing your payment. 528500.01 As a Capital One' cardholder, you could save up to $300' a year on Auto Insurance and help Habitat for Humanity' build decent, affordable housing with people in need.? Liberty To request your free auto insurance quote, call Liberty Mutual" today! Mutual_ 1-888-281-5006 (toll free) Please Mention Key Code L321 When you buy insurance through this campaign, a portion of the proceeds will be donated to Habitat for Humanity! Capitalcw GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 MAY 12 -JUN 11, 2001 Page 1 of 1 Account Summary Pa_ ymws, Ctedits and AAyistments Previous Balance $471.56 1 12 MAY CAPITAL PAY PAYMENT $25.00- Payments, Credits and Adjustment& $70.45 2 24 MAY JCPENNEY INS 800-527-9767 06/09-05/09 7.95- Transactions $83.81 3 07 JUN PAYMENT RECEIVED - THANK YOU 25.00- Finance Charges $.00 4 11 JUN ELECTRONIC PAYMENT 12-50- New Balance $484.92 Minimum Amount Due $15.00 Payment Due Date July 11, 2001 Total Credit Line $500 Total Available Credit $15.08 Credit Line for Cash $500 Available Credit for Cash $15.08 Atyoursm4r, Toad Como- ReLtions or to repot a lost or stolen and 1-S00-903-3637 Smd pa7mems I. Sind NgWn6 tm Attn: Remittance Processing C"Piu] One swim C" ita10oe S-i- P.O. Bos 85147 P.O. Soo 55015 P.ki-.d, VA 23276 Rieh-d, VA 23295-5015 3207M Capita/ow, Transactions DATE 5 12 MAY PAST DUE FEE $25.00 6 12 MAY CAPITAL PAY FEE 10.00 7 17 MAY LOWES #405 MECHANICBURG PA 6-51 8 17 MAY SHEETL#195 MECHANICSBURG PA 10.00 9 19 MAY SHEETZ42o1 MECHANICBURG PA 10.02 10 21 MAY SHEETZ4224 YORK PA 12.00 11 11 JUN MONTHLY MEMBERSHIP FEE 6.00 12 11 JUN PAYMENT PROTECTION 1-988-527-6904 4.28 You could save money m your auto insurance with Liberty Mut ial's Group Savings Plus! Call 1- 898-281-5006 for a FREE quote nowt (Mention code L703.) Savings will vary. Coverage underwritten by Liberty Mimnl Insurance Company and its affiliates, 17S Berkeley Street, Boston, MA. Femme Cha%,es Plrase,c rensrC,,e?,id?eefwimfartont irformatior qb*& teJ ? e& APR,,j A PURCHASES $50236 .00000% .00% S.oo CASH S.00 .05425% 19.80% S.00 ANNUAL PERCENTAGE RATE applied this period 0.00% V PLEASE RETURN PORTION BELOW WITH PAYMENT. • 0000000 0 5291151856361793 11 0484920012500015002 New Balance $484.92 Minimum Amount Due $15.00 Payment Due Date July 11, 2001 Total enclosed $ P/urj.iwtaddvrr8m.ter&Mo mogbha?N.of i.b Snm Apt. I ciy Stir Zip Home Ph- Ahemso- Phone Capital One Bank . LOUIS U RICE JR P.O. BOX 85147 r 306 S YORK ST Richmond, VA 23276 r°t w? MECHANICSBURG PA 17055-6302 Iult?ullntlr??utltllu?Int?lut??nJ?ntllur?lut??n.? ?na???ua???nu?t?u?r?u??nn?lt??nnt?t???mi??ui?t?r? Pfeau rarile ymv amount member on yore tbu.F A money ordn rrodepayable to Gpitd One Ban4 and mail in Ux rndmed rnvdo?e r Remember ... you could save up to $300` a year on Auto Insurance and help Habitat for Humanity, too! Call Liberty Mutual toll free today! '1-888-2801-5006 Please Mention Key CDde L321 Inatm n of products am povidtd and ur darwbm by, and ere the exclude oblil Teen d. Lib" Mtxlml Icauanhca Company, and ITS afWgn. 175 SarkWay Shah, Boston, MA. Ingrate, proem are not catered by rOP" One Of by S y Of Is ado`s and one rot ¦ CapIW One product spedhc hmtures and captors may wry and may not be avahbs in r shales. Appk wft are kOw&aiy wdawdtsh and some in6vidu is may not phaft Year decision b pu to insurroe and your choice of an totes o epee WIN hew no allied on yaks eligibility for any Capital One producl or servks. hhauance prod, s am not tsposN rod FDIC logged, tied inared by any ledaal govanmard agency and not kuaadwd by Capital One. •SavkW as reported by Ubarly Mutual for la Grew Sedhgs Phaa n besW an seledad l areem, comprhone edh nail. ado ioSum o, cadre Mon data sevbgs wR vary. Group eecatris se roll l.aim& sat stagy ad may vary by sWe. mntpiW antsy: Yw Prenhben sat trWft One wii donee b Hmlat for ihantlardy bYan I - S% d the pose reVetee K 1eCeltea firm Ub" Mauel tr US. ales d new Personal foes k?pofidc gW WO W Yhrrgh this campaign and Dui o fo a duff the Mgt pnI WM ro 8131181. capita Orr IS a fed raky registered savior read of Caplet One Faonial Corporation. AN ridis reserved. O 2001 Capita Oro Financial Corporation By responding to this offer, you may be commtnidatng information about yourself to the company that provides this product . for example, that you are a Capital One txatomer. t a. Grow "gloat. Voo will 1,w i aaLhsaaa perm pedotl of 25 days veitha lance d1,. ere row pudemri, baluhos trarrso, rhsw earl p = and. dear 8 O o m to '- N Polack rte. To obain the evera¢ daily balance lot the bkktg paTOO mverW by tlis =-"- tbtrPnithp beshhee of each ++day, am ahry thew tr+rraowa to each saV-, and a timer arty paymerss a otea. ft err mate N appam on the 1,m o1 thin smamm ram m 'soantta Rae AppiW To; we Sao ebtreta airy upeid faanc?a dhar¢ iaingded in to balarce, d salt s?tua.) Thin gives u the tinily balarce of each aepnaa. TMh, em odd up ail the diy baartps for adh nhnhhM of tbtfr MFga dW and tividr by tM toed W let Pedotl Ths d"+ w the +veuge duty bedews of PRI. aepeere. 3. Armad e" 'Amaral ga Rata IAPRL The m a. ath Paara+¢ Rae' wry appear ss APR' on the form of Thin rnohtrsem. b. If Yr tale P lPlhlla), L f3ma. LIetxB. C (Csnticae of OaPaatG, a S fffWt'sN Primes appaa to rid from of flier rarllre 11e%l IO to paiodc rreith, tlr peli0d. Stay god Stay vary tewr+ ad g may y W- or e based 01et' ir S the nand d looma. as loud & quarterly Ay a d In In ZAe Wi SYzeaz am lrerut, Poo the m+rdn previady hfadoaed to you Tlra tdhanpss rA be etteMw m h inn by o/ yar pede hii nhetehJaarery.Apd. Jd and - arhdng c. If the code D fPairrrl. F Il ?eho. UBfxk or G (3+ LIBOR RePnimd Mahdiy) appatm an t1, tmre d you 0a11mae row to the pterio6e ralaW. Ur Mtiotie moss and tartaspahdhg ANNUAL PERCENTAGE RATES may wry d Ind, ad inhusase or decreete bated oo the atetad thdtas. ..=j in Trig Wes Smaet.iorSrnal, pain VA ee ?affeciil- the Mnafi da o? Wien-? ado moth Y r d<+W TI o. Asuma * of Lath. overheat and RaMead Poymea Fey. Your account SO be amt=W no gram then tore of The fees Mood hem that oct r dutg arty Mktg ¢riod. Under the tens of =S:= apemen, tee rberee the right to -+Tw or any W fey whhag pl+r rloYMcation ro you Wtlora waiving -right S. areas the saved or smear o a rw mwe. 5. Yar Aamhae. If a mambe-hip MISS appare on The from of this samreas, your law 30 data boo the dam his smeeare ems mild IS you to avid psyrp t1, fee r ro ha" ado Mae oedmd ro You it V. tared your stxoue. Mi Sts faiad, you may mtrdrens ro Sore your axouaa niTlhota thing ro pay t1, nrrnbsMhlp fee. To .al.al Y+ut aLLVarT, you apart ratify tr by =Z Ctmomer Raimicas Departs ere sod peal 1w ahce' in tr (naiudnp the ntambadiq igasAeeaat. W pig to Ih a wd of the Wnyday pedal. 8. N Va. C l- Vau can repro ro dose tayortgr ahoaur by . err Ctwomer fAmtfaa DepangnattL Yrr nhhs dsnmy tar teed rsSdsl and ahxoue ewy dodo, cashed i prewdher@W bkMrg, trod txaac ad 4ot/ mooted. R you 4 rod tatwl pra+galoda:od bMip amth ¢mnss, we veal taSridar recaipt d ¦ drr¢ Wa atatladzsYoo ro trgath yea s.eoua. aio Yoe ar..oSrt wq m h doted urril you pay tar SIT r tataatts you caws w ISdodrq any fremanioru you 1,w auhodzW, fihahhca drrges, pen due 1,y. owdshit , reru P.V a a fees, cash advahv sb and .%4. athr fey awned to Wu coated. Ym an retpadble for them amass Warther They appear hrarra n the mate you mtpmst to dye the M=a they am Intuited stbs@Wm to Vote teQaee 10 dye The Socala. TN. may Sault in dargn appeaMg oo your accaat N. You haw it you auanrized a pladbe from a nardhrtt and rre reeaive t1, narlaectirrh fien fhe mswdwa she vow ccaug Ins been rJo•4 your amour wa bs reopahed, the annaut d tfa dl.r¢ wilt be .dose m your axons. mahWmyDaw!stwa101 be ==,I Tahr faa to be Tar tee tae veld caskxa amouta bal?arics Ihy Oven penmhtW by sw, uni the told in ltd as dekrad above. 7. Uasg Y AemrLyoa cap a amore demo be Toad I. connection with any -~ prilbling _ e. "Al- Aloe FIa Ors Orek Carhvervh. When you provide + dhxk a gyhrhana, you +hafriz- y either to NeersimrlO^^'e t M trt? Gran to nuke + one-rlrm yore Societe or To prrsm the payment M a duck back Wlrh wr killogrolon *m your check To make an electronic Mid Trawler, funds may bebee Wthdnwh trop your bads oxaas as soon a>ro tams err hie rrsiw your y al rams- yae dafek bads gore BILLING FUGHTS SUMMARY (in Gee Of Error Or OUSS6a Abaci You Rig) If you think your s7 is errorg, r IT you need mom lhfrrrhation on a trwmcsim or big, woke ro y on a sapams adhael y roan y possihls a Tara N- for nglihiet Shown on the fhm of this ooamera. We must hear Imm YOU rro tear tart 00 days arm ee set you the um lea on vhfidh Tam drag r problem apheamd. You ran i as C meaar Remiar number, bu tioinpao knot :=:='=' yea Ien.r, rive w+ tlaidi it eat errauha ra+hhber, oft doaar omega of f Ta m,;mg the stlaphcstl error, • dsseiptian of the error and an explansYon, if pow". of eMhy you bye" there IS an ergo; r It yw rrW nhhoge iniwmoloo, a desciptiom of I1, loom you am urue shout. You do rid 1,w 1y any arrhoua b1, question odds ws m inwai¢tig IT. but you .re dal obk¢wd m Pay the Port o you led art sm nor report d?eMhYrmee?r ml?e anId_T ai bde +hrhoua you queadorh. t,t Spetlal RW Tor Credit Card Pwduses If You haw • problem wire the quality of Property or 1,w 01sd1M1 you p mbomd with a Credit nod and you good fahh ro r»rmCT tIa prphlam -1111, The rrhenclhare, you may haw the dght rho m peal tlhe nenbHng amore due aim the prapany or servirss. you 1,w this s6p O 00 Tar pidre -may mriW b1, ywr home to or w411,in 100 miles of your a." adrima. ft we own a OPeroe the reardare, or If see moped you the dveniaarssm tr Tar Ptta+mY r sevi.y, ail ptwdlasy Pledge mnterrhmmrmberrdas d ttlnolaa r location Of plgdhsae.) :¢ r mrreryorhdenc?e. t Goes not apply ro carwnter non-odd'[ -d actxhaas i Does no apply to bunking --.W -d -jnfS CapirN Ora +nPporm hhrogghhatoo piicy pracdion: See mug hvat,Sx o www.taphatate.can. Capital One Ts a bdemay mgaramd S- mark of CoI One Rmaroo CrpOmdm As ndxa -Served a 2003 OOro OILGLEAK durges t Y'ou Pay Y+ur tout '?sw Bdahes', in aWa in time t ro be eta6ndNaiee tr pymrss hebe+. dosbg Beta. Them s no p+.e p?? hahth sawaa an storied tmnfere. in addion. Slam s So ors period any tmearion if you do not pay age taat 'Ne- Wla ex. b. Aaorukq Fbuthrs Chag.. Tmrrwhr haidt am rot h?omtlhetodare th? galena ?r D iarh tlr dno yr11 iralliatiprl a pgocyaetl IO ym Acminl a time t1, knr rslsSdar day d tr ngrrega hihp priori Ar161ohsiy, If you rid rot pay the 'New Balrcd Mon to preioha r unpaid maunpaid al balance had,oe tnN until a derntpald = carYam m at=om to your helanz s paid in fed. This mere Tans you my atN ono trhenra dargy, own it you Pry the ,.We New 8ataro ihdrsaW to the fryer of aaraara by rigs rwa nwewtat dosq data. Mta 6d =do The are atNW ro the p+vt+tt+ maor4 ur. Mrnrhca dh+tt++ t c. M-- Fie e-Otter1:6, sub bMW Period M SAM RNI I3AH of $0.5050 w:=poaW. N the tmN frhahes hog. mglmg from to apPicadon of You period. ram.) s ley then VD. 50, -tai raft"I art out, from err $0.50 initiation rd the dfinece -A be biaW To the farduae aeprhaa sr y+t+araavt. t d. dod To not Ro gory carry, dlrati S in F -0 ita dna:e ot, Sh.ww msrw tihe dgls ro a pea W o>w tiwn 2. Avara¢ . IMabdlg her Padhemal• a. Frnrh.e cage s calaanW W gtdtfpyirhp the ddy basn.e or ydh aepnam o your aomta fe.a, Sari by the all prrdrae, ap+dat trade, l Ther b ) by the tanmapehtFhp daily pahiodc easel tM Immo Mm bean tr bigywdnd weI+PWY r+ :;;"it Poled. roe ? o?wh Separa d yaa trtxthm m to dry behahca at each repr.m. T1,ah o The and d the biq Prero4 we tad to the realm d I dMy ralnladra m edge a yore pshiodk 5rance drrpa for each aagerad. age tad tq t1, maJm from aaah =%: to grind a h sstat prbdc for . To ga t1, diy hslenlca ffetsnrs rotdrr¢ r you eaaue Ioraooe d yw swish[, We mile 01' or sapient and add try raw tcaoodwo and try periods (twos dhct+ bltYled inn t1, previas gay's 6a1an a for don aeprwg yvs rites a beau shy That ro tlh ieosaUi TM= to iapadaymgs Wy halve NowNSw Salaceaegmdereomdd ? a.mua. Noaewr, N you tumid to your pa se ..I in had for if younewbalance wy -..Cm* tysutt, thnw tranatliar uhlddh pm m W V Prdre a apr3al rslw.m Tags avara¢s -dally WlarhcariteM +dd+t Tarr diyy b.I.- tafpthr and d..dng am My the number d the data in the ornem bilm cycle. %calodem you Segal fin t, r die reriplr Yaw eveage dial bd rs by the dally Parodic ram sod W t1, nawber of +W in da bksg pedod. Dlr to IO.xft o n a dW Y bas, g%r Y h a talalelbh rd d aught ndwopee Moran tie b. limVa mate Z or N aPPaama milts Mae re his szatanar raw to •Bal+rce Ram /lppiod To; ws ehdiplr me 32OlM Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. A SPECIAL OFFER FOR THE CAPrrAL ONE CARDHOIDER NAMED BELOW 531600-01 oa LOUIS U RICE JR S is entitled to this {)00 FREE GIFT A 30-DAY SUPPLY OF GINKGO BILOBA from GVC - General Vitamin Corporation Forgetful? Ginkgo Biloba could help your mental clarity. Now, try it free! This herbal supplement has been shown to • help absentmindedness F O R • promote blood flow and oxygen to the brain • support mental clarity.' cw Call toll free 1-800-323-8482 now! CARDHOLDERS This uaremem has not been maluned by the rood and Drug Adminiwrnion. This prodon is not larended to dlag-. eeetc eve ar proven eery disease EMrTiF.asEKr No. GBE2 CapitaloW GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 JUN 12 - JUL 11, 2001 Page 1 of 1 Account Summ Previous B-1, $184.92 Payments Credits and Adjustments 525.00 Trans+ctions $10.15 Finance Charges 5.00 New Balance $47007 Minimum Amount Due $15.00 Payment Due Date August 11, 2001 Total Credit Line $500 Total Available Credit 529.93 Credit Line for Cash $500 Available Credit for Crib 529.93 Af yorersenriet To dB C-t- Relations or to report a lout or Aden ord: 1-800-903-3637 send Paymems W: Send inquiries to: Attn: Remittance Processing CaPital One Service Capital One Senior P.O. B. 95147 P.O. Boa 95OLS Richmond, VA 23276 Rid mond, VA 23285-SM Payments, Credits and Adjustments 1 25JUN ELECTRONIC PAYMENT $12.50- 2 09 JUL ELECTRONIC PAYMENT 12.50- Transactions DATE 3 11 JUL MONTHLY MEMBERSHIP FEE 4 11 JUL PAYMENT PROTECTION 1-888-527-6904 $6.00 415 F-Man a Chagos Pka Jerre sendeforimp dmd iafsmatiea a 1? g fPR CHARGE PURCHASES 6476.79 .00000% .00% a.OD CASH S.00 .DS425% 19.90% LOD ANNUAL PERCENTAGE RATE applied this period 0.00% 30581M V PLEASE RETURN PORTION BELOW X47ITH PAYMENT. V CCapilalcw 0000000 0 5291151856361793 11 0470070012500015002 New Balance 5470.07 Pl a*rp.;.,e.1d?.oJ p.lrbm,n;nabh.. orN.d onE Minimum Amount Due $15.00 Payment Due Date August 11, 2001 Sneer Apr.4 Gq S- ZIP Total enclosed $ _ Home Ph ne Al..- Phone Capital One Bank LOUIS U RICE JR P.O. Box 85147 + 306 S YORK ST to Richmond, VA 23276 MECHANICSBURG PA 17055-6302 o - ILILLtIIirrLlLrIItllrrfLrJllirllrrrlllrJLrJlrrtlLrd _ LrrllLrilllilrildrrlrLdlrrrJlelLiiiJrlllrrrtllrrrLltl Pkere tmiteypre -mad -her -.r- tbark or money ordo made payabk to Gpad OneBc,rk cord mail m tlx -Imed envelope CERTwTCATES issilrm By GENERAL VrrA CORPORAT1oN To SF3ECr CFFJAT CARos AND Crn ORcAmiznmons WrrH VAWEs OF SS-00. 5830 AND S 10.00 THIS CERTIFICATE ENTITLES YOU TO A FREE 30-DAY SUPPLY OF GINKGO BILOBA (a $10.00 value) Plus, you automatically will be enrolled as a trial member In General Vitamin Corporation's vitamin program when you accept this FREE offer. Yes, please enroll me as a 30-day trial member in General Vitamin Corporation's vitamin program and send me, at no charge or obligate my fire 30-day supply of GINKGO BILOBA.) understand that, unless I write or call to cancel during the 30-day trial period, I will receive a 9D-day supply of the same GINKGO BILOBA supplement every three months for only 529.95 plus $3.95 for delivery. This amount will be billed to the purchase segment of my Capital one credit card account I understand that accepting my gM sample does not obligate me to continue and, if I wish to cancel my membership in the program at any time, I can notify General Vitamin Corporation by calling toll free 1-800-323-8482. In any case, l may keep the 30-day supply as a gift - Redeemable exclusively by: LOUIS U RICE JR, 306 S YORK ST, MECHANICSBURG PA 17055-6302 Account Number. 5291 1518 5636 1793 CARDHOM 9GNAMM MW ONTY WrrH I= 9QIATURV Your full slgnamrc mahmizes Capital Oro to broad your amain number, name and eddies TO G.-I Vitamdm Corp. for de W. purpose N billing and processing des rder. By mammifog m ,bo afar. you may be communicating information about yours ll m f I vitamin Corp.. wit" prwkles des produn-for sample, rium You are a c"I One csroree. GET YOUR FREE $ 10.00 SAMPLE FAST! CALL TOLL FREE 1-800-323-8482 E ?,,,E.,?t Na OR ENCLOSE THIS CERTIFICATE IN YOUR CAPITAL ONE CREDIT CARD REMITTANCE ENVELOPE- 6BE2 This offer is made and warranted by GVC - General Vitamin Corp., P.O. Box 1500, Cheptl Hill, NC, 27515, 1-BOO.3238482. General Vitamin Corp. is not affiliated with Capital One and is solely reponsfble for its products and services. Capital One is a federally registered service mark of Capital One Financial Corporation. AN rights reserved. O 2001 Capital One Fwmncial Corporation. 8 O o ? N Th. being period rnwrad by This ata . WC take the e tbayrrmt I Itud- .1 urh me- rain day, add arty romil. r oeditr_ fff fns tst4 Npearad an ism. I Of big snrrom ram m "BNro Pra Applied To: we also submict cry upeid I scoot, atohge brJu' it ft baWnce of each Toginvis I This give to the daily balance of each creams. TMn, vat, add tp all ds deg,r boll- fr each segment lot ft bung pared cad is=' by the last number of days in tin bYag period. This eves us ds cantor wady, bW- of each seams. 3. Need Paaam4 Pas IAtaftl. a. The temp "Arad Penmsage Rate" nun appear s APR" co the Orr of tb's snemse. b. If the cads P (Pine), L 13.mo. U8010, C ICeniiiitam of Deposit. suit r S 1 To d P petiodic rate(, me appes. on in. tons Of IN. rm nimor est N as pe rats and coneapmdirg ANNUAL PERCENTAGE M Mrs may wry' amrtedy ad -Y it- r dscrosae based dhe noted khdios. s Scan in TM W.0 Samar J~r,A pas tin nuy/n previously disclosed to you Thee chmgmm y be eff-im, TO tin hat day of your beiatp O.W eoteesd by your periods nnamem ondng who C. 11 the code 0? F raw LWOFQ w rj. LAM Papricod Mostly) appesm m ae front of nor "m run to eta paiodc muffal, the psiodt me and conamPOIT rap ANNUAL PERCENTAGE RATES may wry rosily am may kemuse it, decrease based on tin speed inhdicea, a fond in TAB Wr So"" A a ,sat 0. it. magjn psuitady d6dosd a you Thee drapes will ba otacdve an the Sur day a your baling podod oath mash a. Asaemmrd of Las, Oardedt ad Raormd Poy ord Erie. You account vhi be tressed no some anon two of the fees rrnad hre List osier Aaiq any Ling pedod. Uraer tin term r of your ctsmnrr agnom.ere, vm seserw ate o dpht ,o vow r not to asrr any fee widsm pd- rodicnion ,o wiThmt --i g urn dgm m area tin acne or siedar asn a parr riche. 5. your Aerial, i • amosessiblit Ta fee appem TO tie fnara of This wm, 30 overt was you mslh.- day? you ham tin tine cis to how such t., you to It yo payag tin In n fee credtyo to you U you cant Ystr oim or account v*hdie ving T, You my ban d your omod ymro pay the ciannivis To aft, dfy dip tee. g c ar C-atonin arC you aco rs, you tu poet -dh re u by taBag l itlat 11111mo ors 0s . e m and car in Yo New aslrsae' N ill the Thhary-day If Yoo class lair st the and si the period iod N B. m i7ese Y Aaaant. Yau tan rpmo-sst 30 to d ow your nment by railing our rartrrw fidNrr 0epantrrnatt. Yco past Aerdoy You tsedit oNW and and .etas artka, cared M Pheaurdmrismd Nidhd. ad caose you arrararL N yw do rho tatmbl pmaWemod arra,tprrpes, we vhdl rarmider avahpn. Adddonay, your account sM hot It. aumd time you Pay r omrses you aunt s indra3ng, any transacions you hove ataedzmd, fence Charges, pen due Imo, ovindliutff foe. maned paymont as. cash advrca fes anti any asba as asmossd to rare account. You am hesPerisale for arose .moues "how dry appear co You ptrnup m the tic you ,eytsst to are ate nscorel r they M incumd s bsegtsm m your ropsn m don V. suers. This may ,eta N drrge !PPssdrhp on Mohr armor altr you how your stsaam if it has stmedy been dosed I'or sample, if Yam anndzad a psdree Imm • merdrm and we meNw tha transaction tmm the mold- after your aseman has barn closed, your scooter vvdl M reopened, de reran Of rho choings uA M added TO your secant, and yw wR be retprrible I. payment. If three Is a rrttsribrsiip Ise for you account, tle lee a[ carats to be creed, m the ears pemhted by law. until the accouii Mace hs bean paid in ks ss. dcfmtad above. 7. Using Ysu Aeered.Yrr card or aceoum cannot Its cad in conno don vim any imor et gambrg trarea 9 pm-id About Fl CTart C-- whon ei you usevird .. back - a po paymaq you outhendia, o us tither no use ic k d vors4 from to o make a cr ass-thaw Wrmmi your bank or mks lion an - electh vw mixer the prommill s e ¦ tisck Transaction- rue Tre informadan kinds your area 10 to make an r* bad carat. , lanInads may be wiay - from you, your bar* sccosf s sear as the same bay vre ,chew your Pmrrnmr, riand you mi rtr rehbfw your check back 1mm yen irim rnaN irrtituion. BILLING WWTS SUMMARY On Gse Of Errors Or Otrerporr About Your fail) if you think your be I. vhmp, or if you reed name irdormetion on • lrarheplen or bid. wine to us on e .Pam" sheet as soon as porn ,, at the addreu for mi tras atmwt so me lira of This summers. We must Not tarn you ro later than 00 days after vat mom you the ins be on Mich the amr or problem appeared. You can W rn Qsnomer Reruns umber, but doing TO, vA not p essrw your rte. N your knar, caw u tin 1Movrisg mfounit Of your sperm sad a de mintier, tin damn smil an of tin atupmcted samr, description of , err nd an etplans Is ibis. a o of de vary it mom I, you De w tNre m Th error if YOU oca hhesd mum Nlr modon, a description y of the here you our upew chart. You, do ram have o w to pry any atrium at munaation vmhtda cam an irhwrign ilp it, bin you still o0igstad m pry tin pans rota bill That am ram it martian wrtim .rim kwesap.m your QIratierh, N tans u repot you s deinhquelhd r mks crafty calm [o when It. anwe You mdrmniohh. t.t Spodol Mme caw Cmdit Cad Pucha-ec if you haw a problrn with ma quality of property or si nines dot you pucrsed with a credo card and you how tied in good tooth m comma tin problem with tin merdlaa, You my how the dglm not to pay the rani inn smoum due on the properry r aMCes. You how cis protection, a% unman The pudrse price was mom than $50.00 and tin prrcras mrai maids in your home sate or when 100 nit Of your maifiug add-. 01 are own or operue me nomitiona or if ae mined you in. adventisennhere fa tin ,-puny r wrvi-, ad ppdsses PICee ered lpe totm of amount or location of purchase.) Nat N conesporidsee. -r Does nos spar b mmrsr it non-credlf -rd --t, S Doss nor Wy m b smas ron-crecst card sccrnts Capital Ors ouppots ktasmnimn privacy protenion: see our u vcapkNere.tam. vmbako CaphN One I. a tadardy mdistered cervix .,it of Capital Oro Fnarciat Co poratim. AN dons rearmed. s 2003 Capkm Oro 01 LGLBAK Ta. Qasa P.iu& You will taw s minimum puree period of 2s a.y, vmiahon Anrtx d-e new purcNSea, new odrr charges Inerrant, i new Naar pa Bala and I. dmryee you pry eI m mal 'New Bafor p*; N for Is The be credited Imporums Notice for wMnree below, OW In Iinm ent by your near nnmrrm an closing dato. d P WW W IThee is no grace period I weft atlwrczs and nThMem. N addition, arm I. ro prate prbd on cry transaction if you do not pry tin caul 'New Nance." b. A-ving Fk- Orpa. Tunseufrs which i m rho, cho Noin Osudrs cl asp tmsacam?r sdhom tAe tines 1) transaction Is pwrwaed to you Account r 3) fro an rho inn sends, day of tin cvrmn bring poiod. Additionally' 'i you dd not pay tlr -New BNonce' from it. punitive bidkg pmttod N fd, fldnonee dhsdges co mkmde TO stcns to Yaw unpaid Maras use tin upod tslems, is paid in ill. This Wars rival you may dil ova inane dulls, awn it you Pay the ram New Balrse atfutW on the /ms of you atnemMS by tba nsn rstamerm dos ng dna, but did ram do so for de jimula s movh. Urytld finance copes m added TO, the applicable segnra of your Acorns. f c. Mi iimmh Fnrnp Chrea. For Tisch bEft period that tsauN RNMICE C= N g0.5?0 widbeWnhpomd. N ae trN proms aerie real Y hg Imm the appiralum of you Pertodic ratalN I. 1st loan $0.50. wa "0 o baM art moue hen be $0.50 mbimu i and tie difference vr0 be accoue. Ml'-d"' the puchase sagnae of your -r d. Trrprry Raimteh N F c hrea. W. reserve dhe dghl m nN crass ray or as firwce arrges Ir cry tjwn 2. Avarsgmalsrtea 1 Naar Prars6 a. Rance cbapo b ralrlatM M nhu/tVWNg the Oaiy Mass a each seihrhmht of your azvue is p.. cash advance. pndrm, We" transfer, and special pu has:i by tin conaNahdng daily pafodc retina) that has b-and ." cep bin g Pr apply tM dMiily ape ododic?rats for sdh a&Wr n Visa atxtmae m tin daily ba a ce of each aeprnart. Then a the will of to billing pedod, we add rip the oen . of are daily calalations to arsw al your Periodic char charge for each segment. We add hp tin no lm tam arch sginatt to arrive n the trap periodic rrnx erne tr you account. To got tin daily Mince Manx for eadt of you accwm, vm take IN begkWng new traranior nior pslodt rognis a anted add sy bNrr fr that cep w subs a ? Payments or aMif ptMW is of that dry that arc alk-tod to tint ten 1 1. This picas us tin spans doily Mars 1. inch aspesm of yap acxun. Hooey. it you paid The Now Bid- stow[ on your previous stneaae in tea Ir if yap row brace vas zero or s cradi, amour), new srasacdre A* h post TO you pdwaras or sae . pumhose aagnrs am not add d m the daily bslantas. W. Tai lira This avaige day bNmx by addhV ad de dally Minces :again and dividini the sun by do mardw of the days aft Ute came ERng cycle. To calculate your roof finance carpe, pmldply your average daily Max by The daily period ms and Dy tlhe member of days in tin biinp pedod. Um to rounding on a day brio, there may be a slight vodarce bommen this calNation and the amotam of farce Charge SCkODy b. I1We Coda Z or N appears on the from of Of. nnarom n to -Bid- Rare Applied To," we rnaciply The 30581M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day, by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Out business days are Nbndaythrough Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 531800 01 As a Capital One' cardholder, you could save up to $390'a year on Auto Insurance and help Habitat for Humanity° build decent, affordable housing with people in need.' To request your free auto insurance quote, call Liberty Mutual'" today! -• Liberty Mutual 1°888-281-5006 (toll free) Please Mention Key Code 1325 When you buy insurance through this campaign, a portion of the proceeds will be donated to Habitat for Humanity! CapilalC?wke Account Su Previous Balance $170.07 Payments, Credits and Adjustments $2S-00 Transactions $196.61 Finance Charges $.00 New Balance $641.68 Minimum Amount Due $141.68 Payment Due Date September 11, 2001 Total Credit Line SSW Total Available Credit $.00 Credit Line for Cash $So0 Available Credit for Cash S.00 Atyoars ire To all Customer Rdntiom or to report a lost or stoke m&- I-800-M-3637 S-d prnents to: Said inquiries w.. Arm: Ranitmnee Pmaasing Capital One Ser iaa Capiw One Saviea P.O. Box 55147 P.O. Box 95015 Richmond, VA 23276 Richmond, VA 232SS-5015 40176M GOLD MASTERC ARD ACCOUNT JUL 12 - AUG 11, 2001 5291-1518-5636-1793 Pagel of l Pavmenrs, Credits and Adjustments 1 23 JUL ELECTRONIC PAYMENT 2 06 AUG ELECTRONIC PAYMENT Transactions $12.50- 12.50- DATE 3 21 JUL PRIVACY GUARD I-800-667-1547 #4378051 159.95 4 09 AUG MWl-CONNECTIONS S00-568-2386 CT 96.00 5 IOAUG OVERLIMIT FEE 29.00 6 11 AUG MONTHLY MEMBERSHIP FEE 6.00 7 11 AUG PAYMENT PROTECTION 1-888-527-6904 5.66 We hope you are enjoying the benefits from Privet Guard . Your trial period has ended and your membership fee has been automatically billed to your Capital One credit card. Your membership will be renewed annually so that you can egoy uninterrupted service. If you have any questions, please call the membership number listed above in the transaction section of your statement. Please continue to ergoy the benefits and peace of mind that PrivacyGuard provides! Frmnce Charges Pka w ,e ,.,ide_(or import w i fm a wiio N A g ra yyt? roc 1 !Pa CHARGE PURCHASES 5513.48 .00000% .00% $.00 CASH S.00 .05425% 19.50% NO ANNUAL PERCENTAGE RATE applied this period 0.00% 'PLEASE RETURN PORTION BELOW WITH PAYMENT. CapftaloW, 0000000 0 5291151856361793 11 0641680012500141688 New Balance $641.68 Ptsnryraa.lbm rbnler kbn,airtrbhr orb' Eo..t Minimum Amount Due $141.68 _ ApL Payment Due Date September 11, 2001 sass s Total enclosed Cur S- ZIP S _ Hone Ph- Ah- Nom Capital One Bank LOUIS U RICE JR P.O. Box 85147 306 S YORK ST .r. MECHANICSBURG PA 17055-6302 Richmond, VA 23276 lulslullutlrllnrl r llullu a llnsllunllunlluullurllnsl luslll ltl llltllllllsrlllat llu calla like nrlslllnu llnrltlrl Plcau wife yow aaount nraaber on your thai m money wAd madcpeyabk to Capital One Ban F and mail in the enrimed envelope Remember ... you could save up to $300[ a year on Auto Insurance and help Habitat for Humanity, too! Call Liberty Mutual toll free today! 01-888-0801-5006 Please NbIdion Key Code 1325 Inevrarce products w poridad and to darrsa asst by, and are the eadushm obligation d Libegr Mutual Insurance Company and da Wiliales. 175 Berkeley Street, Boson, MA Iosurancce Products are nut offered by Capital Oro w by cry Of Be aNW.I. and re roc a Capital One product Sperlo features and opus may very and may not be avibble in as sb L AppiurO are indnidrsNy under ldn and p ndwedmk may rot qsW Your mdsbn to purchase sruann and your euokr of an issuer or agent vA have no sled on you ergE Wy for any fypNai Of product or swvios. INSURANCE PRODUCTS ARE NOT DEPOSITS. NOT FDIC INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY AND NOT GUARANTEED BY CAPITAL ONE `Savings as reported by Libedy Musty for Its Grow Savings Plese Proyrann less based co selected p aria comparisons with myor auto insurance carriers from dale tsapead a ou ay Yourpmenium and -It wo vary. Grog dkmunts errs rot avalebb F at Bales and msy very by nab. tCplel Oro ar7 dorhaa to Hablat for Humanity International 5% oil* gross revenue N mrams from Liberty Mutual for U.S. sales of new Persww lines insolence poios gprpead though this campaign and pus in force dung Ire sea pried 211101 to 831101. By respordsg to Irk filer, ym may be mnnninlig in ormatirn about yourself to to comperq test provides INs podud-kw example. leaf you are a Capital One oafmrw. Capita One is a federal registered service mark of Capital One F randal Cwpoado. As dy4 rmaved.0 2001 Capital One Fsanrml Corporation 8 O p O O o) ¢ m ^- N Periodic: ran To ahufn der asrsge dais e4rsx for the big Pwlsd e>aesred by this Mteater, we take the bea"'"9 balaahce of each saprss each day, add any ram, vanteti s. o>o arch ar(phent. ad shbinact ray pymras nda N appears an Ilte T? of dais or care on she pawrrr most so 'aalruw Ruts 4= TO,' sm also aubtmct ary urPd intagiv 2ryE / sadf a?ehas-I Th's gives us Te dairy s balance ie of each of each Tlati we add op ail the d balarraa iw hneh segment Nt o bi g period a d ivida by the tow awa¢ daily balance M each spnem. gives ms to 's 3. Answs hadaga Beta (APR/. a. Thar tern "Ned Proeersage abRuss' may appear a 'APR' an the fide d this ten"rs. b. If the code P ilea), L (3-tno. LIBOR), C (Cerdfiosu of DepdO, w S 0-%-d Prime) pp-. n the from of 11" ppeaeee most "the periodic me W, the pre'" .rtes and cafepwhirg ANNUAL PERCENTAGE RAT& may vary gusrtah and may Inc- or d-se based n derstaked fra6as foul in The Waa Seed Jwnst pram b aawpn pretiotdy isc, to ycu Ttatae tlrfgs ail Iw etlecd, an dapfirst day o1 your rims Jasrry, Ape, JulpeOCtpbec? Vote re endi c. If tea code D Pig, F (1-who, l1BOR1 w G (3-0. UftON Rapdrd Moh?ly) +ppe?m an to fiom ot you eataeham teen s tti per c l W, sN pedmFe rata and nrmaparhharhp ANNUAL PERCENTAGE RATES may ry math s(cud may nerea" or dec esse based on me shed ihiss. WsI Sbtsv Janat pun she margin ?Y dTAe I= d to you. bi rp dod eafi . eflactiea ern the is day Of your blwrg peried r enretc d. A Your t d Lab. Osm at and hta Pmt Fes. You asco rtcraut M be asaeaW no more om than n two of the face lied hem =L earl dug any bing Pend. Under the toms of ysaomer aprenhartt, vte mean==z. 'vat or urea b eras arty sees whheut prior Willhos waihinhg eft rigrs to mama" le arse Of Mnrilef at ¦ leer Ian 5. Mar A at t If a membership o lee appears an the lrmts n at this ere a was y mated mated eve 30 dalGen der alas his to h ss was mated to sod to you avoM pe d Year far m to ew li be raaitd to such it you cancel ncel toM ta account. During tt:s period, you may ay twee- 7s c.rca1 Mdse h*;to pay the nmRy her by eaf?g err Cuesomer RelpimuDetoa more ad pryrMyuSapw lssss BMwce' n wl (er5ubg the s. yNyOoYneou chase v Aaeabi.l?. Yw wdrh?Ngh?ien Oo Deparwenr. Yen s doe Cotner Wsaehs Y Your credit wads) and acceres eras dreta. orcal aN Psesud- red being, and ever hsnp pr rtcosuc W you do rout weal pr -d..dzed big mrarhparnma. we we consider receipt of s dta - you athafteeon to mops you ccoh.r. Autilewsky. Your account wlt nor be closed anti you Pay ail scans you ovw us itdudpQ wry I one der beer, :=:w Z=od,, ffirena charges, past peyntar fen, cash d- fate ad any d- Este aaasead ha tow , sl=cow. Yw -V ra;arsiblefor p rose amwyou ds wartuo t close she matters or they am incurred subsequent to d-h= apptertrg an tests account [her you ..It in yotar occ sat it is has already I- Mated. I. example, if you ahalrdad a Put t- from a mordum and vm arrive the lossctim Termour arutxua wa der memhart after your acnha t has baan dead, y bur recprsd. me amoure of mfrs dun - VA be added to yme accoux, and you she be s!yorrlhk iw payment. B /lam Is a be? dd b dlt extrals perma. Ths' itted b e by ? ?kth lu law, ung the e doom balsa has been paid in kill a defend above. 7. Uelmg Yw Aaaa.sa.Yor nth or aroma armor be used in rmeteolert vAh any imamm gambling Irnsactiott 6. tae Notice information rAbaamnfon an f3ari from s-s Cheel[ fbnwdmt. Wlhs you Provide information ro peYesss, you or one-tins to your catck to o make make a a one--tins electronic fad tranaker lh Your bank accoure Or to Proome the psVersent yo 8 a pack bar an we use in in on 4 tom a your duct t s a k make kes aksolu, bank nk lord fiasla, finda may be withdrawn from your lis accmed a soon s le saute day we -wive your peymerr ale you v i ram race w your lack baek from your frhardal irrtitWmt BILLING RIGHTS SUMMARY On Co. Of Ertots Q Ouse siorr About Y- Bit) If you dunk Your lei b wrong, or if you treed more nfotmadn s- ararmctioo a big, write so s e e sep-mm street as nos a Possible a that adders for inghida shmest an IN. fins of N. pnatms. We must hear from you ro least than fm == seer you der ant NN n veldt the aawes a ad. You cn N ow Clsomer Ralaiar reattbst, but dasg ea wig rot pre"rvo yen dphs. le pear lam, pve us mat IMbwirg idomTadau you user wd accost asnWm, the ddle and a n a /the lass, H lad postilible. • of dsa stilly ly ry you you beof Aft error them is im rror, d mosm e, i ildarnnadml. a description cri description of flat ham or If you u, lad you an ratans about. Ym m ram ew to pet ray anaad n Nraden Wier M am irhueatipa1ihp it, tram you are as eublipned to pey9r palm a you m that are earl report ron you you as Vpila deate s W ta eklee s any action n to ro collect: a ural re q w ionthe ntohan you gnaeion_ t.t special rose AM Cmd Caro Purchases R you lave • problpn waft the guskty of Popery a services that you puss used with a evil nto ad you have ttied n good bah m coact rite problem with me merWm, you tray e" der dght not to pay the remaining rnota due an the property m aenicrs. You Ilse this protection oNV when that Prrdr" puke ors mom dun 350.00 arhd to Putlra ors mada n yme Irene pate or MtNn 100 eNS d Yaw ataiftuhp addta". Bt we own m operas the rntecdwsl. as tt ors mild ym tea dvenisranws for dw pmpmy or services, all P,.. SIC cow" d aagardlyaa a arawett m lowtisn ot purdteae.) Resat ranhsrmhher to ttipn d corrasportdars.-e. t Does not aptly to uxrunter ran-rredr rand --ffvs t Does nor apply 7e be,*- urn-cfaW! card aeorurfa Oft auppeet bNosmnion pfiw" protection: see mar e wtttvcapitafara.wm.ra Cat is • fMMM rsgistrtd aervce mad of ft Coporatlon. M o" --d. ° 0IL3 Capital OO GLBAK 1. Hwv To Awbl A FiCharge. t e. Greve ?erid. Ym will have a ini imam grace period of 25 days vtilhou finusncs dsrps an raw purdtaw, raw baiece trwstem, new spscrr psdhstw and raw ogar drags tan pay your total 'New Baaara', In .. edn?itt m for It to benieitedNOrlse for paYmsts benw. W Yore mr. summers oaag dam rre ±- . Tl is no =.X= wsh ad m apedM -is.. In es ro grace period any transaction n If you do na pry the Taal 'New bNanra.' b. Aaanig Fuatntea Crge. Tresgfers wNdt era not et doe dw transaction 2) from the date the ) it= th os-010n I. processed to Vote Aouurd w 3) from der Bm ralerWr day of flat outlets being period. Aditkm"y, it you 64 nhot Pakit. Y our 'New Me,,' from the pmvios blatg partied n bhwra charges comae to name to sus taupaid balances until to unpaid balance is paid In full. This meta chat you my pig owe tintarhn d%- you ever if pay the adim New BMetn .frond n fns of you a11" by tlhe rhnd pre take dosig dale, but id rot m "form Prevleus rsmlt. Unpaid tirurto de" errs addd to Gat apptiTaOle eepmws of yaw A- c. Mknrtenh F for eadr You uhcceaen b wOject tote a -- drams period tM rpe, a nhnknusr V- RNANCE CNAtKiE oc fO.SD wig a irrrPnd. If mat toted Pearce dhaags raaWirp from the appacatin of your Padodc rataW le Ise ten 50.50, we will aratad art I moae Imm the $0.50 mi kmen and fie iffsrence wen be bid w the predate spnas of Your auata. td. Tarrpmeryliedsfet kn Firehee Charge. Ws rexre the dgo to rat mass any w erg 1- d .,ges br any given 2. Average ?sMarw lbookuding M- Phsce-s1. rpe by rmtWSYng the risky balance of each a.gnrsn of your accsun le.% .h advmce, purchase, ape" tresler, and t P- w Padres) by dat ormROrrdpO daily p°loic arm(s) that has been PrsMaualY isdowd to you At tin and ot each daY dump the baling pamd. we aPP1Y dW Dedoic rpe for ach at mg11 lelareaf 1? Of each 3-es= m ywd aRTJrd to00il the= Than a the and - add thus of dstea dskY tcuIstiss soordd- sit w Pa. arson dtarga for earn as-. We =the The re u s from each ==ft arise a to mw periodc Are- Charge for ta. To gm the daily belance for sale aepnws of tool aceoas, we take der begiWrg balance tat esdh sttpnnas and add any mewl transactions nth:my &atrce udrtpe nknsed an the previous day's for shat "poem. We than subtract wry paymama w raeis powa0 as of tM day thn an aNxwd to the ae(Prst. This pihrs s TM aepeme daily bNrhoe for each ch tM?of your acoorr . fbwem. if you paid the Your previers axaemerrt n lest Iw NO to wmiwr which ? gem w a comet amoudl. rrw Pop tar pudrse w spsdd purcats aegmems am rat added to tM dal balreas. We "large ::;:t., duty b "0" by aclam ail she risky balances ad dMdtg flat titan by the nwhber of that days en the curlers billing cycle. To nfolas your tmM 5earc===- wage cagy balensx by fir daily mniar at days In he billing period. Due to aouusrq -1 =b-I1,=1 cry be saghs aho bastrieerh tNS ion he sets ot hnrrce wge acwaaNy ams"d. b. If fir txde Z err N appssm n tlr her of this stammers chest to'BWnw Rae Appfiad To,' we mud" the 40176M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Wnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. f 0 R " t i , 535400-01 ? is ..? ? Capffa/G CARDHOLDERS l3? Try this new THINZYME free! QAi uE Try new THINZYME AS A Wo hlrryondry Irs worth S IOM and Irs a gift to you without any charge wh t i l b a soever as a tr a mem er. r FREE GIFT J, F = TH94ZYMEADVANCED WEIGHT LOSS SUPPLEMWI, r a?tlinin ` Losing weight never felt so good! r` ESPECIALLY FOR CAM M ONE CARDHOLDER • Burn Far • Increase Energy • Fed Greats e ? LOUIS v RICE lR TFIEN YIVICC ?Mr/MWh ,t?ai?WdK SV&bk nMWa,>at?Cpbn.IS : _ 4 , an Wntrii nltagW lass pmgmtn denrfo* for namd &Wg rne(abolisrtl' y a' Mail your personal certificate on the back m get your free giftl r' 7ty it for yourself, FREE Irs easy! 7hae startments have rot been nvluated by the rood W Drug Adminlatradon. lust sign and mail the Certificate on the other side today! ills pmdu<I Is na Intended w dnagtwse. 1-1. curt or Ptewta atry diswse For fastest delivery of your FREE Thinzyme 30-day supply, call toll free now: 1-800-55 7-2520 (THIS TOLL-FREE NUMBER IS FOR THIS SPECIAL OFFER ONLY) OR ENCLOSE THIS CERTIFICATE IN YOUR CAPnX ONE CREM CARD REMITTANCE ENVELOPE Fwarrtt'aaorr Na I B D 9 capita/ow GOLD MASTERCARD ACCOUNT AUG 12 - SEP 11, 2001 5291-1518-5636-1793 Pagel of 1 Account Summary Payments, Credits and Adjustments Prevaus Balance 5641.68 1 17 AUG OVERLIMIT FEE ADJUSTMENT 529.00- Paymenta, Credits and Adjustments $54.00 2 20 AUG ELECTRONIC PAYMENT 12 50- Trana moons F Ch $48.87 3 31 AUG ELECTRONIC PAYMENT . ?' inance arges $10.65 New Balance 564720 Transactions Minimum Amount Due $14720 DATE Payment Due Date October 11, 2001 4 21 AUG PLANPLUS 800-527-7557 09119-09/19 $9 25 Total Credit Line 5500 5 23 AUG OVERLIMIT FEE 29.00 Total Available Credit S 00 6 115EP MONTHLY MEMBERSHIP FEE 6,00 Credit Line for Cash $500 7 it SEP PAYMENT PROTECTION 1-888-527-6904 5.62 Available Credit for Cash S.00 At your tervrirc To dl Cumin Relations or to report a fort w stolen ord 1-90D-903-3637 For free online amount swim and epeaal eaaoma oSas, log m to: www.mpitalo-rn So.d payments to: Sad inquiries to. Attn: R-matom Pro -g Capital One Sercim Capital One Si- P.O. B. 95147 P.O. B. S5015 Ridtmond, VA 23276 Rich-d, VA 23295-5015 F-inane Charges PZwew reoeriet.&*,.6wtaat inf--rim ?r WEE m PURCHASES SM14 .05425% 19.80% CASH LOD .05425% 19.80% $10.65 $.OO ANNUAL PERCENTAGE RATE applied this period 19.80% 4436M ? PLEASE RETURN PORTION BELOW WITH PAYMENT- V ^ Capitdlow, 0000000 0 5291151856361793 11 0647200012500147200 New Balance 564720 P?.cep nr.J?raahbm..:?b6re.u`t n1 Minimum Amount Due $14720 _ Payment Due Date October 11, 2001 $ Apt e Total etlosed $ City Sine ZIP Herne Phone Ahermrt Phoo, - Capital One Bank LOUIS U RICE JR P.O. Box 85147 306 S YORK ST Richmond, VA 23276 MECHANICSBURG PA 170 55-6302 tt 11 Pkare wife your acmuat numb,,m Fora cberf or money order wadepayable to Capital Oaellaak acrd wait in the erntmsd envelope CERTIFICATES ISSUED BY GENERAL VITAMIN CORPORATION TO SELECT ORGANIZATIONS WITH VALUES OF 55.00, $8.30 AND S 10.00. THIS CERTIFICATE ENTITLES YOU TO A FREE 30-DAY SUPPLY OF THINZYME (a $10.00 value Plus, you automatically will be enrolled as a trial member in General Vitamin Corporation's vitamin program when you accept this FREE offer. YES, please enroll me as a 30-day trial member in General Vitamin Corporation's vitamin program and send me, at no sharp or ob igation. my free 3D-day supply of THINZYME. I understand that, unless 1 write or call to cancel during the 30-day trial period,) will receive a 90-day supply of the same THINZYME supplement every three months for only 529.95 plus $3.95 for delivery. This amount Will be billed to my Capital one* credit card account 1 understand that accepting my gift sample does not obligate me to continue and, if 1 wish to cancel my membership in the program at any time, I can notify General Vitamin Corporation by calling toll free 1-800-323-8482. In any case, 1 may keep the 30-day supply as a gift Redeemable exclusively by: LOUIS U RICE JR, 306 S YORK ST, MECHANICSBURG PA 17055-6302 Account Number. 5291-1518-5636-1793 CARDHOLDER SIGNATURE (valid only with full signature): I authorize Capital One to forward this coupon. which includes my account number for billing purposes, on my behalf to General Vitamin Corp., which provides this product By responding to this offer. you may be communicating information about yourself to General Vitamin Corp., which provides this product-for example, that you are a Capital One customer. GET YOUR FREE s 10.[70 SAMPLE FAST! CALL TOLL FLEE 1-800-557-2520 EhTrrTLEMEATr No. OR ENCLOSE THIS CERTIFICATE IN YOUR CAPITAL ONE CREDIT CARD REMITTANCE ENVELOPE I B O 9 This offer is made and warranted by GVC - General Vitamin Corp., P.O. Box 1500, Chapel Hill, NC, 27515, I.BDO-3238482. General Vitamin Corp. is not affiliated with Capital One and is solely responsible for its products and services. 1 authorize Capital One to forward this coupon, which includes my credit card account number for biting purposes, on my behalf to General Vitamin Corp., which provides this product. Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved. 0 2001 Capital One Financial Corporation. 0 0 p N 7 .- N 3. Anramf Prop a. The Isom -l -APR- on it b. If the code I D.P.61. a uN Ppcamapo Raw wry, appear as Drat of thin reaersore. Tits), l 13.- LMM, C 1Ceruice 18rdscild Pill app- s the trop near to the tr0sfc mamM. The oadc rates and car ANM)AL PBMBarAGE RATES My very rpamedY and may )rhaease a dsaaase based on the stated ihdces, Be toad I. Me WM Strait Juana( plea the mapin previredy fasadirot ®ddeyel y to you. Them de'gaa wml ba efa s our Nlinp peed awned by yous u Pedadc_ansasyut ervfrg c. It to cods D IPtre), F (tm L1B010 «G 93-0. LIBOR Repriced Monddyl s the front or Your statenen sal to the Palo31: rasa, tla peso6c nta and oDrompond np ANtXML PBK9rrASE RATES ttrsabiy and maV Yttre ZY van 120 Off taaMse based to noted Aces, as Read M The Warp site Janet pks the muyn presotrely dudosed ee VUL These drapes vdf be effective an the ilea day at yam burp period each mat" a. Asssanrd a Late. Ovrimk and Reaaned Pay-rd Fees. Yost ausecax will be assessed no seem that two of the fees lived hem the aaas dump say big period Under the teas of you enaoarsr a, we the right a waive or not ta sass _=%W_= acaion w u waiving our rigid m assss the ease a sidfer A e law tnte. 5.111 awhg Your Amount. H a nmwdmnd* Rs ppeare on the Ines, of this MMaA , you heve 30 If vs barn the date Ids alatenet .tar n rile l to Yeu to avoid raying the fee a to haw realm fee as led to you if You Cancel you scrouas. During this paced, Vat, my l omriP 4a.YTo , wleat raafyo at pay the mananotify, s by -11I ou C sal er pattakr 0 peon t aM pay flew Balaae. n ti Woia- dal monberdip ba) pear to the Ad of the ttWYby, period. 8. N Yes Caee Your Account. Ym can urprest w dose your a- oepsrossnL Yan erns Customer dimmer yous fme* -eW asfnts .0 a- aeee rdreb, crd .0 pnsetrodoet big. end masse u?mp you accuu m. N year do sot card PrasuMritad 6iiep errapawad; em wit mdar mmip of a dsge you wandaats w raahma you arSOat. AddtoWyI Von aC1Lma h.Y Oar be daeed Until you Pay i swans You bee s iteu - . cry transactions you have anal ofzd, inrehrs changes, past due fees, Pvcdmh tees, mumed prVinam fees, cash .dv.- fees and any ether fares aaa®d to your lxwe. You am -Portable w tmee arnsass wheaher hay appear an your amount at the aloe You nepraat to dose ee account a they ale kuamd atdnpat in Your mQuora is clam to aLc«esm This my am* in W gee appearing on your aarouam ahw VA, have your accwtt if it has already been dosed. For exempla. It you autaasl a perdaee from • no chum and wiz xalw the from.& n from the nssmdem an. your account has been dosed, your soma l will be recpeel, the amnt.s Of the dope Will be added m your atxpad, nd ypu w. be ratparatde for paya in . R t- is a membraldp fee for Yon accan, Ire fee VA comkue to be Charged, to the eadem penrdned by few, self the ceotm balsra. ha boon poid n Aril es defmted above. 7. Udeg Vmr Acestsd_Y- card or acceum cane be used an cer.ucion wdh arty interned gambiing 1mmactipns. 8. Notice Above Eiscla de Cheek canYa>el when YOU es Wlenrm, yodr atthorize w either to Provide a dacklrsm Y taw nfosation atA duct m make • enma)me afecbosl lead transfer Rom Vote bats account or to Procees the psymse n a duck tnasaaium. Wren we use nlrmatat here your Check to stake an elenrmdc fud [reeler, Red. MY be whMtav n ham yes bank account as coos At the saae ay we mceive Your paymem, rd You wr not receive Vote dtaek back from yar irerdal isiedrh. BILLING RIGHTS SUMMARY (in Gm Of Gros Or Ouse io s Abel Your Bill) In you think your bit is wrcng, «if you need more i nrmaen on a transaction or bill, write ta Us on a a",.. oh- ss oars ee poss'61e ads add- for inpuid.s ,noun en it. from of 'me MM-. We must hear brain you to tlater Brain he anon 60 days char we sem you the b s r pnoblan apposeet You can call pun Customer Ralatios n.anber, but doing so ova not pl- your films. In You anon, give s the "OvArig nbmatin your erne and mccout number, to dollar mount of the eapeaed afro, a dmiptnn of to err« and At etplanstion, 11 possible, of why you believe there Is esr, Of it you reed alum nlosers n, It defcdption of the hem You am veae alb-. You do not have to pay any amount n 9uaafere while vva am imaaipNng it, but you arc still obrigated to pay the pass of vote bill the am not colts Iyou M Air dolikilvant, irvesogirte v- question. we cannon arty anion ti coieut the amount you questan, t,t Special Ride For Craft Card Purchases If you hew a Pmblan viM the gtality of property or services that you purchased warm ¦ Weft oho and you haw Triad in good faith n correct the poelse w wmh the netCherd, you MY raw the right nor to ray the n nalrirg amour dal an the property or services. Ysr hew this pmr,ctibn only Men the pundiame price viz male the, $50.00 and the purchase vss mad. in Yoe honer, mate or wthin 100 main of your mailing aM- (If we own or operate the merehra, a n we Maw you the advertisement to the property or mreio, ON pac Ines rc coveretl repardees Of amaun a lotatia of pncam.) Ream me sMsr to Alger at eoreapo dance. t Doss nor apply A ceaaasT non.pradrr rwrd _.Ara t Does not apply to lwmhses Tait-pad/ sand atxoants GPitel One repports i Tessa ion Privacy Prmlemon: see our web.he a wvmN.capalo a.con. Capital One i. a fedariy mgivered service mark of capital One Financial Corporatist. AN rohm reserved a 20M Capital one 071-01-BAK T a. Grose Period. You wiz have ¦ mi ievre grass period of 25 ays v kh- Sna,ce the s new pwdtaaes, new balance tnrefsm, new, spacial Ptadaaes and _a#_ .herpes if you pay your atal -New Seems-, in accords ce with the kaponaa Ideals w psynrrus below, nd in time for it to be o sdnd by your near "Oast dosig date. Then is no grins peed m cash ad- eM spedal tnnfets. n addition, Men I. ro grace period on any Irasacdon if you do not pay the total "New balance. b. A-.kV Finance [Tape. Tierreaolos which am not reaiea to a grace period are atmesed fetarece charge 11 tram the ate e1 the Iarsenis « 2) from Gal don the vanoacdon la Processed a v- Access or 3) fen he Ara calanar day of the curse bORV padod. Addtmally, it voil did nos pay the -New Balance- fran the ptotbous biting Period In U. Brace, Wrges arsine n amens to von totWd b - amp the talpoid balancce is paid in fit. Thin mean that You mayy alts owe ahardce charges, eve it YOU pay the Where Nov Indicated s the from o1 Vmx statement by the nets aatanam closing dote, but did rat do m w the W.14.- mech. Unpaid AnArm charges an added n the aPpNcdit se. at your Aa:reat. t c. &Sinha anxoF b Chary.. rot each flip period that Y_ A total FINANCE CT1PtRGE of 60.50 will Jr. imposed. 11 the Intel *a- charge resulting from the application a your periods mmft) is less then 30.50, we wNl reEtraa Ina amen from the $0.50 rsetkman and the difference w1v be bleed a the purchase sen , of you acwst. 'r d. 7rnpa.ry Reduction in Fitaae Charge. We OnAw the right top anromot da.ssess any or an Grans durym br any given 2. aMike paadtalrwe IN rtngrdhg Now wedwessl. balance Of eridh by sddplykp the dafy anpeent of Y«r aLCan (a p.. cash advance, twrcham. spmid DarsW, ad apsdal ptsch.se) by the corresponding dally penofc cools) the has been pmMosY disclosed to you. At the and of each ay during the Dairhi dod, wiz apply the daily periodic me for each -grn Yout a em. Then iI Imam of to biWp period, um add cp the. ata. of these daily calculations W .rde A your peodic finance dugs for each mg-m. We add tp the ewaa Irani each seynam to ordw A the total periods f fnsom charge for your amours. To go the daily bamce for each Aig,n , of you Boom", war take the beginning balance for each rhtl ion' periafc segment and at:=an the tips the previous a 's balree for [het We than n 9 ana any Y fir. any wymems « Lmtdta posted Jar of t d the ay thin d ore Allocated racf 10 ther a aerm{Awn. This gloms s to aepame dally balance Nsw B =.h-d at y:r,-=-_.. fulllfora if you new balance was zee a • cads Anoea). new tiaatsctios which post to your pudwm a apedW pucl catculare The average We dolly balance by addnB NO the airy balances together NO dvidnp the san by the nseber of the day in the carer filing cycle. To taloYa vote total finance carpe, nt ttipfY Vow overage daily balance W the daily psdodc rats .nd /Y dal rvani ere of day. in the bathe Pereod. Outs to .Acing daily basis, them may be e .light adch. eneas'between, and he Aaoan Of b. N the code T. I N appe.n an the fnm of *6 aaasm red to -Balance Rare Applied To,- viz multiply the pefodc ram. To amain to avenge daily balance fen the bbbeelpiinrg. dperiod raveled by 116 apsaat. we take the . balance trrwdfems m mocha each ? mleeach rrad day, add any new « tsarina. lit the -ft N Pp a^7' paymams .1 am Watareat near to -Bafence Warms Agonths, Mad Tao s- A— rettraa any unpaid anarce longs noknded in the balance of each sapeeaa) Tide gives sales dolly balance of each megetera. That, we add up all rim allyy Wlarvas for each aapnrt for dal bBFeg period and by the total ember, of days in the bmfag period. That gives s the avenge diy balance of each aeg w& Important Notice: Your payment win be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Wriday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Eliminate Monthly Cable Bills! Turn Your House into The Ultimate Antenna with POWER ANTENNA Just plug your POWER ANTENNA into any ordinary outlet and watch in amazement as your entire house turns into a giant TV reception station! ¦ See crisper, clearer ¦ Easy to install and tune local N reception ¦ Uses your home's without cable elect ' I t ¦ Plugs into any standard outlet ¦ Picks up weak signals, even in rural areas nca wrong sys em as a giant antenna ¦ Includes coaxial cable and 75 to 300 Ohm Adapter UL Listed. Made it China. D'mvensions approximately 376' H x 2V W x 1' D. No more rabbit ears, 537200.01 cable, satellite dishes Reception so clear or unsightly antennas 4 you won't believe ' oy your eyes ... without costly cable bills! 0 EASY TO INSTALL! 1. Plug the Power Antenna into any Before standard ANTENNA electrical outlet 2. Simply attach the auxiliary TV cable into the jack. 3. Adjust slider for After optimal reception. Uses any Special standard outlet! Offer For For peak reception, Capi"CW simply slide convenient tuning bar. Cardholders! Capitalow* Account Sutnm Previous Balance $64710 Payments, Credits and Adjustments $209.95 Transactions $47.53 Finance Charges $8.63 New Balance $493A1 Minimum Amount Due $15.00 Payment Due Due November 10, 2001 Total Credit Line $500 Total Available Credit $659 Credit Line for Cash $500 Available Credit for Cash $6.59 Ar your service To eB C-t- R".... to repon a host or Aolm nrA 1-500-903-3637 F. free online account aria and Ipecal .t.- ?ff-,log on to -.Pinlonecom Seld Pgmalt. to: Send imryiria to: Attn: Remitt- P--g C.PiW One Savior C.Pitil Onc Service P.O. Box 55147 PD. Boa 95015 Rkh-d, VA 23276 Richmond, VA 23255-5015 47399S Capit OW- GOLD MASTERCARD ACCOUNT SEP 12 - OCT 11, 2001 5291-1518-5636-1793 Page 1 of 1 Payments, Credits and Adimtments 1 13 SEP PRIVACY GUARD 1-ND-667-1547 04378051 $59.95- 2 17 SEP ELECTRONIC PAYMENT 12.50- 3 22 SEP OVERLIMIT FEE ADJUSTMENT 29.00- 4 24 SEP MWPCONNECTIONS CREDIT 30.50- 5 24 SEP MWPCONNECTIONS CREDIT 65.50- 6 01 OCT ELECTRONIC PAYMENT l .SO Transactions DATE 7 19 SEP PLANPLUS 900-527-755/7 09/19-10/19 $9.25 8 19 SEP OVERLIMIT FEE 29.00 9 11 OCT MONTHLY MEMBERSHIP FEE &00 t0 11 OCT PAYMENT PROTECTION 1-988-527-6904 418 FinariceCharges PksteX rCIMJCJLk*VA?AtQAtlAf-.&IQA J- MEE PURCHASES $530.47 .05425% 19.50% 55.63 CASH $.00 .05425% 19.50% S.00 ANNUAL PERCENTAGE RATE applied this period V PLEASE RETURN PORTION BELOW WITH PAYMENT. 0000000 0 5291151856361793 11 0493410012500015003 New Balance $493.41 Minimum Amount Due $15.00 Payment Due Date November 10, 2001 Total enclosed $ PAapP -Zkm, go&-&wIAAIr4AAwR6Am,L 19.50% a ne Apc e G0' Sraa ZIP H-Pbone A7axam PMee Capital One Bank LOUIS U RICE JR P.O. Box 65147 306 S YORK ST Richmond, VA 23276 P MECHANICSBURG PA 17055-6302 P IIIIIIIIIIIIIIIIIIIIIIII11II11IIIIIIIIIIIIIIIIIIIIIIIIt1IIIIII 7? III1IIItI1III..111111111I.II111. 1111 If... 111111I11111 111111111 Pk-, -teyro arcwent -ber on ywv cberf w --y order -&pQy hk to Capitol 0.. B-1 and moil I. the tAd-d eIi-Al pe r Special Offer For Capualow Cardholders! YES! Please send me the Power Antenna(s). I agree to pay the price plus shipping and handling indicated below. If I am not totally delighted, I may return my purchase for a prompt refund of the purchase price. Qty. Hem I Dttfxription Psiee Each S&H Each 130505 Power Antenna $19.99 $3.99 Please enter your VISA' or MasterCard' credit card nI ntw- IIIIIIIIIIIIIIIII Expiration Date: Month: I J I Year. W fardhol6ef Signature (VW o SWWM) I allttErt M Capital Once to forward this coupon on try behalf to United fdatkefkq Group LLC vow provides this product. Please allow 4.6 weeks for delivery. Offer good While supplies; last 0 2D01 UrdW Marl¢0ng Group LLC, P. 0. Box 5%. Elmhurst IL 6012(; MM. For inquiries, phase call 60D-399.6661. 8 o O to N Name - Tmse P" Address CRY Stale ZIP Home Plane (Arm Cote) E-mall Address - (Exbr yon e-mel addless to receive fakes altos end rsvares.) O MM Capital One Services, for- Capital One is a tederady n gistared service mark. MI fights reserved. The merchandise feelured in this 6roduse and the brochum Itself are offered by United Markeft Group LLC. an indepe dmd company spetialbirq in nefl-order sales and not affA'iafed with Capital One. Capital One does not We", endorse or ilrarantee any product or service shown here. United Marktdbtg Group LLC is solely responsible for On after. BY MWMW rrD 10 this offer. You may be Muni arcing irdormlion about yourself to United Marketkq Group LLC who Provides this product-for somDle, that you ace a Capital Dne customer. ME-1832 10101 56-UMG Detach Roll fstdtt in year capital one net8t card paymed envelope. 1. How To Avoid A Fames 0-0. eriod a misismall Y uts ea A I ace periods: Rte. To oMain mile -w ape daily baarct for the perlod covered by ftw movement, we take dW vot+ acteut if h has already been dosed For -.We. it you wtholued s padres /roe s meRlum •M .+e ou r v a t., Gras P. . . p P 26 err saha finance ch. , 0 rove pursfwww. clew new rp•d•t ,adt•+es and rrw anise bw trarofas t= vny Maras of each •agrr[ *aft day. adM any new varwcporrs to each r?wa, end aWtran +rry gyraana receive are no ssnion from are merchant stew year anwt has been dwseL your secoss WR be mopsred, , Borges It you pay you Mae -NS"v Salience h eCCOrdanice rash dhe kTtP+TT+n /lodes for payeemal below, or c auto. M the Cods N opposes on the born of Ws atateaen rsa m 'BaWra Ram Applied To: Tree a- h bd I M 1IW anem[ dried .W vriR be sdded m yw acc-,% acrd yyoouu onto be responsible far prymem. if owe h a we for you accesm the lee ova conker maneari rd M time for it m be nsdted by yw next atasmeat dossing Me. There Is no flreee Dedod mn casl+ adrrhmo u ce t e mbiract any aped Ime ce drugs ieNn of snit aegnens.l TMa gives u th daf1Y bew"' of each ch f r e bd d ll ll p m be dsrged, u th exvet Ps nnted by fares, wall the accoua balarw has bases paid h W as d.S out +bov. and opsdsl tmsfers. In adhitian, then fe pe Deena prrTiod d 'N a anw o the a y segment. Tlsn. ee add W a mae for the bUn period well dvids by the maI sa 7. Using Yew Aees l d.Yot r card or aoceun earesor be ew on any traaucthon if you do rot par the ta balance ' g nankeen of dogs in the biisg pried. This gives us U. uaed or co .M- vies limy Ntema gan bksQ . b. Aoaufig Finsesce Charge. Trarsanbs Melds an rot race period me +aeee l react ciesge 1) ct o a ttb avasge They balance of each aepnew, 3. Assd Pasrseea Rates 1APRI. 1RrwsGlons. 8. MCI- Abe Efee4an"s CMok conversion. When you )e g hen de date of fie Travracfian as 2) Iron de daft tke a. Th lam 'AMUd Pamm?age Rate may appear a •APfr oe the has o/ gs ataarsar povds a dock ai payment, you realsrke us shier to hoe inroseation from you deck m make o one-time trasaction I. pomaed t• you Ac." a 3) roes the firms cownAar day of the arena billing period Additionally. . b. It the code P flouters), L (3-ro. LIWA), C lc"Ificam of electronic end tra efa Nom you bank acous or to co Wh ti If you dd net pay the 'New Balace' feen the poodom Depodd. or. S (Bantnrd Pelmet appears on the None of tlrodt h l d (el s M on. p+eoee th p=rat e a deck Transac rs s Inlao, Non ywe deck to sake M eNelnpde blinav Paw in Nell, mace detgea LVRelae to scene m e p c w e der p s o , t net s ?to this sTalan aa ANNUAL POCENTAOE PATES d kwda may be vridh8awm Isom your bade fad Transfer your unpaid balance wall mile upaid balace is Paid in ki. dags, even if Thin mars mist ou ma q e p nn ? rrtee a t sp onnd may very quortedy asd may in•ee• or dxaene based , occohes es some u The lime day we mcdv you y =n2=w" yr+ pay the airs Now on the from of on the mould (ndcas, ee turd I. The Prop Sawn payment, and yo s sea ref ramie your dock beck from ak your msaarwen by ge ram reams' desinp dma, tart red Jowrat pits rile margin previadY disclosed Ta Vm - yea financial aare na do so for de psvlOM math. Unpaid ataem sages arc added m the applicable sepnas of your Arses. Thee change, efR be effective an the Gems MY of Yw Nang period covered by yew periodic staanlea WK*q BILUNG RIGHTS SUMMARY f c. kf.:rniee Fmnee LYT+rva. for oath befog period rid ,1 ti The maids uarerry, Ape, Jar lib October. [(BOW or G (3- F lt+hm de O grime) N tM (M Gee Of Errors ck Orsaio s Abott Yw Bull It you dank yaw bell if was g, or n You seed mere - your aecman I. ahbiect ro a stance d qce a m& total RMANCE CHARGE W 00.50 si be' epeaed If tie . c. co . UBOR RaPb+tI MaaMyl app>R m We Nail at your erio6c rats Ae aiodc ate W 111M kW-,ion m a mnaactian or bill. wale to us m a sopmew shoat a aoah as possible a The askinew I. teal fironca ch+rga neabitp loan ds appBeadm d your w sill menrece YM pedodc stall) is No then so.5o p , p slaamaa am aid canal sesdmg AWg1AL PE CMAGE RATES may :gi+i•a ehown on the Aare 01 "ft naamem. We mums . .. ;fan the 00.50 miinvee ¦nd the 6ftaace coq be vary monthly and may loctesse or deaesse based an rile as toW n TAe ITag S~ Joanot pks mated khdces hall from you no Iaer don 80 days after se seen vou ge end bill on sNfch The seta or problem appeared You can bled m the padase tepnant of year We resent The Radom- F Finest f7..g+ -d T , the margin pwviaety dadseed to yea Tlrx duns Was Castomor Relations weber. Nil doing ao cos not . 1 eerwary . to not areas smV or ere ft- Barges Inv any P"O^ will be effective on the Ara day of zu Hang Period preserve Vow dots. I. your IM." give tr The 1OIlotefrv inteanafen: your name and occoset number. the dollar 2. Average ffmAhding Now Pled-1. iv. each math d. A-sll of Let., rNaemec ad assessed p•ymaa F++s. nt Tree be jew sssd no -don two of th fen Y a smssae o/ else arapactad wra, s description of the error and an espI+rsdon, if peed6b, of nfly you balm time is is. Vince c moe Is cakrYted by nrnadolyl q rile dally balance of each agme t of yew s ecoua Is.%. cash w ccou fined hone than rsxvr dwing any baba Period. Under de era: or it you reed mail ienormon-, • deacdpifen of th dvacs, parchaw, WwW trarolor, and special rmniroal by The canoapah6nq dally p•dmec nests) der has been tonne or your LOT- agma•at, we rwsrve The right ro v W- or at to slaws any faea widest pd. notification to e fears. Voss as wares abax. You do Tan tore m pay any amrsee n q-.- veleta we are bhvatigmting it. tau you bat o 1 pewssly deck sal to you. AT ds eM W each daY dwiq you smshour wah smg w dot TV seem the same or similar l d at are rot your arc ON obfiga l Us pay the pans 0 M gAWor, What vea hwestigae raf Ws m. vvs censor bMirq period. we gptY the din pomade rate for aadt tM our srzaat m der Wwnpe of a. ent of s or a ata. Jses a a co 5.TRrawiq Yw ArsaaL N a membership lee repoa yw as tleMrghw o a Take any anion to collect tM egm y lip W- Th- a ohs led M th period, we an appeals on tM feat o/ this ., you Mx 30 amoua yPe gnreation. the waft of ease defy CMC/niau to arrive at you periodic firence charge br each agmrrt. We add hp the day. ban the deals Pro aalemaa vmse a ~ m you w id paying the fee or m be- -c h Ise crested to you a ' t,1' Special 16de For credit Card Purchases, Iemsdn lean each segment m arrive at IM Intel I - you eared yarn accohae. own tells period. You may 1 a fironhce c sMe for yw secret. To go the afaN' balame " mpere to woe yarn scot rt slthoes hviq m coy drt ft you hw a problem With tM quality Of property or = fa each sepnem of vow account eve ake tM bapra balance for each ospmrrt and odd any, rove tro mcdws marbasiik, Ise. To cared yon asap. You amst rodty is by clip w Culpeper IWdar Depanesnt ' you PuUased rods a Cra in cam and yarn servmxe have triad In used faith to correct to problem Mtt rile rd anyperioGc firhanc?e drrge calct4ted se th Pte.ias day's bafahce for that sopTrt- We dvm nswoa ay N Iva tawdkd M der aid psY y?w New Balance membasthtp tW Pd. m the and of The Way-0ry pedod. mardert, You may iev the right art to pay he remaiskq allows due on the property or services. you My this payments a credo paled ee d that day 1M are allocned 6. R You Closer Tour A+ool d. You can ngUeM to curse w Cia mmr Rdsdms Cam ( b protection ,syy Trion the P= prize ores more tlhars ur harm mete or de in 0 l h d m the logms n. TMs gi e+ rr de apenew dMy balace ou paid 0. Hones a d nt If c v yonrm anew y Opemtps• You mist dearer Your credl mnd(s) and yo w vms ma 0 an l le pue $50. sidtn 100 "a of yew nn.&V addneee. (If cos own or y . your accou . h soprnma for ea New Balance shover se vow previous staamsan n lei Ise ccerml acme docks, rarcd all pshd edz d bRMhp, operate der Flak tan, or if se mailed you the if yea row balance vss ram or • cracks anwhd, new d cad ceeee yore a Vca wt. If ymu do not O.,cal see sell mreld•I rsheens sd anarh Rl adveniaasn fat the pnapeay, a eerhices. all purchases Iaalial of wcfiase ) o fa d f 0 trarleacllero rAlldl pea m yap pudrea or pace purchase sopnems am ehr added to the dolly balances. We , prsat enz p needPt of a dsrge yap aulaszaaon w leepah par p . n R ctsvers rsgar ese o arn a plane remanben ro aiph ere cenepadasce. calculate gar average daily balance by adMV as the dally eecofam. Addtorwhy. par account of M be dosed balances together seal dWdeq ds awn by The wTbet of too you pay as amounts you owe as Nhdndng: sty t Does rat appfy ro eonsrerrer noncrsn( card accewrts the days in de cons( biq cyck. To calculate your sae Trarsanfaa you base aahalxaq farce charges, pea firssece dtasge. ;PlyY' yw avaape dally balance by rile elegy P. nts lend W lid member of slave I. The bRinp es fen . ovediait face related pavement ton. Cask acv rem Ian and ay Wee was easew0 To your i Doss not PPN to brabTess norromdn cad accwnfs Period. fare to -alisp on • dally beef-, dere may be a dfyt variance between this calculation and The smarm of crown. You are Rrporelol• let these amuses a haMr they appear m you acrnat a tM de: pyour T+Vusn fa gr arcwf a gn•Y ere khnrsed shaaegtrt to d Capitol One sumpwter )donation privacy prorealm: ate our vrebsite at spvw.eaprofero.cao. francs carpe aenWly sssesad. It gar Code 2 a N appeaTa m she Nat of Ws statemsed b ose yaw repeat m dose the acmut. TMs nay real( in C.:% Ow fe a imlerel y repaerect service mark of Colonel qp riyps ,eaerved. 0 2003 Onharhdal Corporation. . next to •Balarce Rae Applied To: ere rnutiply the nhergn !Ppe+rirtg s yohr aa:ohw+ elan V"!!-- __ _ ? Contra! One OILGLBAK d7399S Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 53730"1 Special Offer for Capital One® Cardholders! The American Tourister Portside 111 3-Piece Luggage Set Special Offer Price of $99.95 Compere at $250.00 Th F American Tourister Portside III three-piece set consists of a Tote, Carry-on and a 26" Upright. F?v This casual collection is perfect for your travel needs. Fashioned in rugged black 600 Denier polyester. Large front pockets to hold items you need to get to quickly. 26" Upright rolls smoothly over most surfaces, which helps you reach your destination easily. The two carry-on c pieces attach easily to the Upright, which makes moving your luggage hassle free. Three great pieces at one low price! Act now! Limited time offer! Call 1-800-547-BAGS, Extension 7168 to take advantage of this offer. This otter expires 3+31/02. Rohde residents will be charged applicable sales tax. Add $9.99 for shipping and handling. Domestic sirpmerits only. Available only in black. 0346304 NOT AVAILABLE IN STORES ATTHIS PRICE $ Sam son i to Cap"Wowa GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 Account Summary Pavmezits, Credits and Aditlstments OCT 12 - NOV 11, 2001 Page I of 1 Previous Balance $493AI 1 15 OCT ELECTRONIC PAYMENT $12.50- Payments, Credits and Adjustments $37-50 2 29 OCT ELECTRONIC PAYMENT 12.50- Transactions $14.08 3 09 NOV ELECTRONIC PAYMENT 12 50_ Finance Charges $8.09 , New Balance $478.08 Trarintacnora Minimum Amount Due $15.00 DATE Payment Doe Date December 11, 2001 4 28 OCT SHEETZ #201 MECHANICBURG PA $3.93 Total Credit Line $500 5 11 NOV MONTHLY MEMBERSHIP FEE 6,00 Total Available Credit $21.92 6 11 NOV PAYMENT PROTECTION 1-888-527-6904 4.15 Credit Line for Cash $500 Available Credit for Cash $21.92 At your service To a8 Cvrto-cr Rdmia- or ro report a fort or stolen and 1-SW903-3637 For Lee online aaanunt service and spinal aatomc , log on w: .vww.npitabnecom Send paymmo re-. Send u?q,irie to: Ann: Remittance Pen jt Capital One Swim Capital One Service P.O. Bor 85147 P.O. B. 85015 Richmond, VA 23276 Riehmood, VA 232$5-5015 Important Acco t Information Capital One, ESPN, and ABC Sports are taking to the gridiron this season. Tune in every weep fa great college football and the Capital One Halftime Show. Then on New Year's Day, be sure to watch the Capital One Florida Citrus Bowl-in which two of Amcica's top college teams compete in their final game of the season. Its football action you wont want to miss-so be sore to check your loci listings for games and times. 33798M Fmitince urges Pita arareamclidefrsr orfantinlorm?ion BAI-,.k Pv:a& d .fylida .? seexx WEE PURCHASES 5481.29 .05425% 19.8016 SS.o9 CASH S.00 .05425% 19.80% - S.00 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW MATH PAYMENT. V Cap11al()7ea 0000000 0 5291151856361793 11 0478080012500015003 New Balance $478.08 Minimum Amount Due $15.00 Payment Due Date December 11, 2001 Total enclosed $ F1Gme p,;er dd? J.mae kkm ariar66v ark4rE;rk 19.80% 5- Aps e Gky Sine ZIP Place Abe -W Pho" $4031537497863056# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 306 S YORK ST Richmond, VA 23276 r MECHANICSBURG PA 17055-6302 ?n?tlu??urlk??nr?r ??u?lus??nt??uel?us??nt??ru l?ra? ° ?rn???ns III tu.1.1.1111n lira n 11t11uarl411au IIatlt1e1 Pl-witep armed nvmbnonymorbaek or money ordo maltfayabkto 011.1 One Bank acedmailin the,-Jaede kfic F Special Offer for Capital One Cardholders! The American Tourister Cancun 3-Piece Luggage set for only $189.95 That"s over 40% off the Retail Price of $330.00. vnerican Tourtetefs Cancun Three-Piece Luggage Set iwkxjw a 16' Boarding Bag, 22- Commuter Cary-on and 26- Vertical Pu6nan. Each piece Is fashioned in 1200 Dtarier polyester fabric with PVC backing for added strength. Dual loci ft per puts with W-rnwx*V zippers, which keep your valuables safe. The Commuter Carty-on and Verb Pullman have caner- rnourAed in-lns skate wheel Which provide stability. durability and smooth to" to your des4.illion. The 16' Boarding Bag attaches easily to the push-buAton put handle on the Commuter Carty-on and Vertical Pulk. an to help transport mtdtipte bags hassle free. Specious, easy, access pockets inside and out to make orgencing you belongings easier. This set is great for both long and short vacations or business trips. Act now! Limited time. Call today, 1-800-547-BAGS, Extension 7357. Available in tuck or taupe. Oils expires 30M Florida residents roll be charged applicable sales leu. Add 99.99 stipping and handling. Mineslic sNgrkan$ orgy, Moorl31Boartfng Bag 16x73x75-. Cr 2204;6', VPM 26xlgjdr NOT AVAILABLE N STORES ATTHIS PRICE Capital On b not algid alb Sisexa a Compeof Seas. ¦nd Saoaailt a telly rupau- - for i serv'r. myAled. ?? T ?OI 1' {.G By raspmndnii so the oar, you Ivry be aenarical" inbmotan about yaa.all b Bansmsae Cehprtt Shsaa, tdhid fs-daa 1 , 1 tB pod-1--lot esanple, fad Y. tie. Cepio One aedouev. l7Pad Oro is a i•daaiY repmr.d senile mvk At riglds reeved. company Snorer 8 O N n a kV peroec rate. To obtain the .verge daily bslance far the bbbaaesppeitnssrrpskheppdW r ovemd by this sxtenwa, we xk. 11-m Imnheeetiolha to _Ch tlrpner[, and r6van my Via ? W cmdk. (ft she code N appoass on she bat alaanss note to 'Glance Ram AppMd To.- we ebb wend any unpaid finance drrye knckrded in Inc batce of each a Tq?nran.+.I Tlhla aim s nridsidyiy balance of each as bal-sans 0. --h sghwt for rile NWq P hod rd d.ide bK d. aw -obi d days b to tdrt" peiod. TNs 7vn• s In. avemae diy base of each rgmae. 3. Arad Paeadaga Gar (APRL a. The teas -Amid Pacamage Rate' my appeal ea APR- an Ve frost of this st¦tanee- b. If the coda P 041sal, L (3-elm. UE10M. C 1Cardi mm of DposW. or S (11-1 al Pdeml appeals an del boo of ;Nil statement hen to the tedadc me (y, Ina pad,, f: muss ad arrstpsh6m ANN UAL PB7CDIfAOE RATES may wry penedy aarnhdd tnaY :eras a declare baud an ae creed indices, es !mild In TA. Wile Seen ./aunt( pse ere tnrpih rxwioaly f6dosed to You. These =C=bey flacdve an Vs first day of yes Milo your pdodc s ruse a actin" staleaat nma to the pasu6e ram W, ens podc art andoval siq ANNUAL PERCENTAGE RAeTES my wry mratY end my bCasr or decJesse based on the sm=V= ed b TAe WY Sbwf kars4 plus the dadosad to You. These changes w-7 be etbc*m an the fiw day of Vote bill" peiod "Ch asovilh. 4. Aa...aard M tats, WaFdt and Rearmed PaVva t fees. Yap acuvue vi be assessed no nape Vast two of do has listed hoar dos amp del" try Mani; period Under the tams M you ostsesr pesmad, we -sane the we to weave a hem so aster any less witlrrr Poor rsdsradon m you mnr at wivits sea risks to soar to ass or date ben ¦ lam rim. 5.tRrrwiO her AeesuaV. B a rlwnhbedip b topers an Me Itat y ails stnanam. Ys revs 30 day from ate dam cis ¦utamar[ era molted n yrr a .void pyi" V. f- or to have such ale ae6ted to Vou it you scrod You accaat. putts this plod, You my ?hne.a m rs yes -anus Wd"- X hsuft to = tits meru6eddp s¦s. To cancel you acco-rt, you has notify m by rar+" ou (]rnemar Roatsrs Dapmrrtr nnwdlhplawysViupe 1fm Glance' in hN feadUdV the S. N You lose YeteA to the and of fin dertyday es caaat. You can mess to f p your a®tea by fy 1 use Customer Resler Deprrsat. You sat daaroy Pate teat mrdW end awn acme dncka, canwf i Prastehsaed bKnp. end osme -may Yma atoms. M Van do ran mrcd Pros-I/adsd¦d 6i" +skrhgansss. ws vil casidar reel" es a fdwps Yote acear[ W#wimmm he dozed sawM. Add VsWy, yw until you pay all awse you owe -s irtdt6nhg y transactions you have suMdxed, twat fan. cash dive toeas, oeas .in rms. returned pNk as d teas, ,-ours lees ad any odor r fees s a s to your accost. You m rpsdne la dealt ses an-ssss nester they an an your accouist es the Vhhe bs a to doe to alma; nt as they hey t a kcumad This subsequent to -est to - 2M a? my ..it dti"ea Pph0 an Your aceeat_ ads! You h" b . yote mpcrtm N L fias already been dosed. Pon etetnpte, it a- 1. rsnreasn firm the merch -t 0. a your rrparsd, account has been daaar4 your account wile be the seems of the deep vA be added to yet .anon, sad you rr Inv tasPen-, for pyrnam. If there Is a acco " as se, to be drgsq, r s:see 9errX' od 1sy tat, on'ok ft .cceua balaro Na been paid in ful as defied apove. 7. llai" Yes Apam.tYar cad or accare eamet be mad b mrreokan wilt cry bnerrhek gemaits ,,ante.d- a. Nor- Abet glaeeaia Cheek Co wrmh. VW- you provide a dick as payment, you nleeR:e us Oaten to use kdess idea ante Your deck m make a one-rime alectsdc lead ttassfr Lem yotr balk aCCakat W to pkaCen Cl as a tisck varoanim Wherh we use bdoshmrkn Lae yea deck ro nuke an deRroric fund tars/ar. Lids may be Md,&~ Itotn Ysr bank a- - scan s the sam day vve tecalve your ymad, and tsv .i rtes mooivee your d wk bock from pyour frhrhdd isaiasi BILLING RIGHTS SUMMARY ib Case Of Bran Of 0kaaias About Your Bill) B you tNnk Vas ti is ar..M a it you treed mom. Momertim an a vateacien or bill, write to us an a =mN slaves s assn r prdbla es the adducer. for nhgasets at- s Vs Let i tie sumnent. We mum hear from you ro timer cwt BO days thin we sem you the pun M an didt Va arm m problem appeared. You can call out Gass Rdadas mrnbe, but dusts -wit not pmoonat You dys. In your. Inver, give ua the lolbwuq doter nbmtellm hem sus end aCatet menber, the amount .1 am so peesed mss. a desedption of the ens and en apWrlieti 11 poNRSe, of wiry you believe ahem is an errs; or if You reed ¦re inbamason, a ddcdptton of U. hem you sm vesese abate. You tie not hue no pay my .moot in qus.ds tdse vm ae imaatolag it, tat you ,e axl obfigaed to pay the Parts of your old tat am not in Qmi.w While van 6-anger yens geeeslan, M Umhoa report You r del pan or Islas any assn to Cokes the ,mom your plefYOt. sot Spatial qte For Disk Cyst purchases B you have a pebleas tide fie quarry of property or services dos You purchased wilt a credit mm and you haw idad In god falM fe Came t to pmblan wmt the mrdem, ys any have the dint not to fey the rrnaning enema dae s rite p q-W a unto. You have ails protsaian Idy Wirt rite puWU pntre nose mom Man 45o.0p and its puctrr ws mada b your Inorkha cute or wlthb I oo saes of Vote mail" e (ll we own or "arm ae tandxrC a N the maltsed d you the P dases edve o-sed r for am pop at amour servkyu, i purr punduse.} Pro rem to ps si a Iomdm of latte nsntem6es to N sigh a• mnespordree. t Dms nor apply to esoanmr ron-c/edr card eco ants t Don nor apply to bavmmss nm- air cad ,caurrs one appose idoeartim privacy net-A- tee our n rW!.w.rapixlahe.mm. pa's • federiy repsterod mer ..,it of Capital re roe CoiPOraten All right served. 0 2003 one O7 LGLBAK t.. erase Pried. You act have mini.- pace pedod of new rtew padraee. w 25 days rdawA raYra darts balao twMana, row Wadal Pedneaa and haw mtrr =We B you pay your mtal 'mm Balance, in amddaet ninth the hap-ant Notbe fa P.yanate belay, and in liras fur it to be cedted by gout nail statemae dosing time. Them is no ghee period an cash a)wncea V=13.0` aets, In , Mae b no gh¦ce period if You hie not pay d. meal 'New balance.' b. Asaui g Finance Change. Traocties tdiclh sue m rbjed to a grace peiod an anomw finance dsrlie 1) Iran the time of the tramas'ion a 2) firm the dale to trawcdm is promrad to Vote Account a 31 ft- the lshe .lad., day of do ormm big" period Addit"V, rl you did not pY rite New Balance' fran the pm.ims Nei" gaoled b (J, firurha dunges mrkv to sans to yam unpaid balance until the unpaid halem:e In paid in full. This mars that you my std owe kn- c a"r, even if you pay the aids New Bdarce indicated an the froa of Viso saanrt by V. we statement drbg data, but did not da so le, tls pmNotr momA. unp edi fnance classes am added to the applicable aepne s of Vote Accout- t c. aA ni.sen F Cferye. F. each basing peed WI you aCrgen la subject le a finace Chase, a aiihman total RMkNM CHARGE es $0.50 Mt be imposed. If the tad frame cla"a resulting tram dne application of You, peio6c utew la ter than so. 50' we wit "cum's the emotes lama the $0.50 rer"i t and the 6Baace mill be biped to the pudtaae eapnhat cmtaa. t d. T.mpssY Redncon ' Fli-.:f.=: we m¦eme ripM ioprranbdaessm any s ad lsae clrrs- fee my given 2. Avanag. Oafiy taros IhhdWY" a- prdsal. s. lisme c a"e Is cafuLred by tntadpPtt* the dNY brace of each uproseof Vos accout k•a, test EV it* r " special y Mdodc meand aty due a has bem they eased, disclosed xa Wyo? y theme Nmay and PmQft ? day dutirtg f. .h aapme a of your account m to Nry Wrc0 of "Ch sapaatt. Then a the and of the byl" Paiod. we add -p the moss of ffiaae daily Calculations Is strive a you prto6c finance h. W for each evgnmre. W. sold w the naffs In m each seg nom to arms es the and pdodc Nuns derga for ye: account. To got the diy balance for each aagme t of your aocdaa, sot take to begivs" balance for each sepae t and add try new trasaci.rs and arty pedoddc twee charge lsktteted on One previous days balmoa for test npnwa. We than subtract any pay-sas m aedta peed es of Mes dry that as allocated to tan sapsem. This gives r to MinimIs daily holanoe is each nogn at of yam sawn. However. B as paid the New BWno apeman s van pm4los satemr-t in full for i1 yam row bslarce wr zem or • ers6t arsasy, raw vanavetiar Mirk psi b Vote pudsaa at "pads) purclaas sepnaas am ran added to the day balstces, we cootMte as mueage daily bounce by adds" i as daily balances topstlw and dividing Ma Neat by On tturrlI of the days in ft tram hilt cycle. To calculate ysr total finance duns.. multiply YYule tveIsge Nay balance by rite dally pmf?c ma and by me nanbe d days in du Mang ='i Due to nmatsng in a NEY basis, than my to a wdana between this cataYtm and is attokre of finance dsrys U-11 tetrad. b. 11 the code Z 01 appeas m the fret of dia summers ran to 'Balance R.I. Applied To.' tan multiply the 3379SM Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. ARE YOU PAYING F U L L PRICE FOR BOOKS10VIEK000s. HERE IS YOUR , V GOLD MAST AtCARD ACCOUNT 5291-1518-5636-1793 SPEGAL OFFER FOR ---? 1? - lone CARDHOWERS \\\ CapitaloW Account Previous Balance $478.08 Payments, Credits and Adjustments, $25.00 Transactions $96.68 Finance Charges $9.04 New Balance $558.80 Minimum Amount Due $58.80 Payment Due Due January 11, 2002 Total Credit Line $500 Total Available Credit S.00 Credit Line for Cash $500 Available Credit for Cash $.00 At your service To dl Caaomer Rd.twtn w to repot a lost w stolm card: 1-800-903-3637 Fw free online .croon' savim..a P.6.1 aisiOmer e$ , log on to: -.pit.lonetom Se,d p y-ft to: Smd ingo"ria to: Amu: Rmdr.nm Pr-sing C.Pinl One S-im C.PiW One Services P.O. Bw 85147 RO. Box 85015 Rie3,moad, VA 75276 Ridm,ond, VA 23285-5015 Important Account Information Capital One, ESPN, and ABC Sports are taking to the gridiron this season. Tuoe in every week for great college football and the Capird One Halftime Show. Then on New Year's Day, be sire to watch the Capital One Florida Citrus Bowl-in which two of America's top college teams compete in rhea final game of the season. It's football action you won't want to miss-so be are to check your local listings for games and times. [f. an C T oompa" NOV 12 - DEC 11, 2001 Page 1 of 1 Paytnents, Credits sadAdjustatents 1 26 NOV ELECTRONIC PAYMENT $12.50- 2 10 DEC ELECTRONIC PAYMENT 12.50- Transactions 3 13 NOV PIANPLUS 800-591-917710119-IV19 $825 4 14 NOV WQMXIELECOM 800-385-1968 CA 48.58 5 14 NOV OVERLIMIT FEE 29 *00 6 11 DEC MONTHLY MEMBERSHIP FEE 6.00 7 11 DEC PAYMENT PROTECTION 1-888-527-6904 4.85 "Important Notice" Recently, you received a letter from Capital One containing an important legal notice about a change to your Customer Agreement to add an artittration provision. Please review the arbitration provision caseful8 - as it affects your rights. Finance Charges Pkaretacreaniciidrfwr impodanr iafor-dw. 8.le ee>m Per-& ; MEE 4111e2? dpR >d PURCHASES 555550 -05425% 1980% 69.04 CASH 5.00 .05425% 19-SM S.00 ANNUAL PERCENTAGE RATE applied this period 32575M V PLEASE RETURN PORTION BELOW WITH PAYMENT. T CaPWdCW 0000000 0 5291151856361793 11 0558800012500058808 New Balance $558.80 Minimum Amount Due $58.80 Payment Due Date Januuy 11, 2002 Total enclosed $ Capital One Bank P.O. Box 85147 Richmond, VA 23276 1151.1ntlliptlpiltptltIll. 111.tllti.1h.011tttlltAIM111A Pk-prktaAb--fir kip. ..jMar-K.* ink Apt saosoo-o1 19.80% C y Sane ZIP 9- Phew A]-- Ph- se?v 49034637497863050# MAIL ID NUMBER LOUIS U RICE JR 306 S YORK ST t4FSHP.NICSBURG PA 17055-6302 ire.Ill.e.IIIteptlti..1,Itpllptp.Iitlltpiipl.lllieipliipplpipl F Pkase write yw aa-art ns idw m rw dwik -y ardor asadrpof.bJt to Capitd OneB"k and marl in Me endwaenvelope Bargain Hunter's Secret -Found at eBay's Half.com Hi, my name is Mark Hughes, and I been making eWs Hall corn a Top-10 shopping coupon box bebw in your Shopping Cart haven't been doing a great job gelling site every month since Jay 20D0 (Media Matrix). at Checkout to receive this limited time offer. across my point To some, is a mystery how eBay's Hatf cam can sell books, CDs, DVDs, PCs, digital cameras and more for as low as it I 50-0096 off every day. Its actually very simple. This is how: Nark lttghn Many businesses need to reduce their inventorgt They list that inventory for sale on eBays Hat.corn. Also, people Ike you are turning their shA into cash by selling their books, CDs, DVDs, PCs. digital cameras and more on eBay's Half.corn. These items can be new or used. Buying consumers have So what's in It for you? You'll get the amazing savings found at an auc ion--but you shop, browse and order just Eke you would at any other retailer. These days., more people are visilkug eBays Half ccm than CDNow or Barnes & Noble.coro. But decide for yourself if the savings on books, CDs, DVDs, PCs, digital cameras and more are, in fact, amazing. Just for trying aWs Hat-can.17 give you $10 on the house with any first-time pure hale over $40 when you order nowl Bier the code bud in the Mark Hughes Vice President of Marketing - eWs Half.com $10 off $40 purchase' when you order now! Enter code 'Capital22a in your Shopping Cart "Limited lime near, esdudes ettmM NO ttatditg. First-Woe buyers a* rwpw?iq to Oft x? you may be mataeiofnp idomrdun about yousli to the cono" rho pmvides tlris prodisF-EOr mmpk, aW you are a CepYtl one awmnrc Ilatlmm is solely reaporotl6k for tlOrs firer andk l affftW with Capital Orr,. Cepky low does no novide. endorEe._ «i)wanlee arM podrKi or E«wpa do.n have. Hsii.mm, Inc., Half— and the FW.eom logo are trWrTeskc of Hepsom, We. N oaw On tradienslor is and can oe tanMU n on an the prapeny of reAttar gistered amsapld^g and wda Ift of maclandise Mi vary dw to suppy and demand see vmnv W jxez tar cabal.. O 2007 Gpltel One Services. Inc. Capital one k a federally registered service IearyBd 8 O to N T r N 1. lbw To Avoid A Fnenee Gaega t.. Green Period. V.u win hw a miimsn ponce period of 25 hys yawl Wtatm dwrpe on raw purchases, sew bMsree traafOm, new gmciad paadrms and nnv odw vatlwi a??dar,cs %.«ttm Modtayrr IT. below, and n time far it to be credited by your nee easenma doing lode. Then is - pray period on ash adrrea and af+eclal 7mrefom. In addition, dam is no pram period on any transaction if you do not pay de Total 'New balance.' b. Admuing F Crepe. Trrsacdo a Minh arc not ,=Nod Io . gram period . amaod farce cage 11 from des den of dr: arsactim or 2) born the d. fins tranaactim is procomd to your Arxa,st or 3) from the frna calardar dry of tie comes big period Ad6timelly, it Your did set pay rite "New lianas" born the psvles btanp PartW in snit fshenra dogs mdmw m arms to you unpaid balace uta de upend Wa,ce k paid Tins mesa tine you auy eel ewe Wwtm drrya, even if you pay the slim New EYen,os indented on da from of Your statsmrn by de nod statement dosing dame, tax did ter do se for tin penes mortal. Utpsid Berke batpa m added To fin appgoble seprem of your A-- t c. Mirimem Fb-- rJosp. Far act baktg prrmW tint V_ accehnt k atijen to • fnama cage, a nrieirstm trial RNAtaCF Cfi4RGE a E0.5o vine W imposed. If the tens irorra rlnrge rawiig bore de appiation of yar ,=%f- perio6e Mile or Ilhse E0.so, we tai a,itocd that ,mourn front tie $0.50 nrinirwert and tin diffuse Mil be NOW to fir pAch.- sapnsd of your accmaa. d. Temporary Red-lion n ease Grape. We teeerve the cod tonorrdasm stay or zip idtres cNpa An arty oven 2. Avenatln bpaaay 6aaee litrrednp New pmal-1. a. Fi,m,ce deco. k csordso d by mWploV de dally baance of each ae{Prwm of yew adooua fe.4, rash dwitm. prdma.. spend Transfer, and spriaf puchael by the mrwapatdrg dally peiedc lauds) dot ins been psvipW y disclosed to Von As de and OF odd day drug the blreg pedrf, vw appry due awy fur. - T. for e-Ir E timers a yna atxou[ 10 dw ltmw= ut earth >ep?a Than datt the and of dwday;: pWod, vine add up the dWy -Y dan, Ta slaw at your perkdc posrtce dares far each aspnwt. We add tp tin mmats from each samme t to arrive st Ow total periodic finance chortle for yon admen. To go The dally belrax for ach sirtiment of yap assault. we Take the bep5 i a e far tp onch .ep.Nn and aril any sew trersdors da's Mrr cs is lima - celo4ud onde pievims Y *a that Intimate. We den stTbtmq my paymdnrm or eredbs pared as of diet day that me aY.Crlad to dun sepmem. Ten. gives an to agree day belsorce fa osch sepndm oT yar aueun. However, H yos div. New asrra elms, on your f mine enema. n WI (a Uar,?-a.acUoos vvlhidt vw- or • eae6t ra.ue), taw Pees To vary ptrdwae or Neils ptndaIs eapnrrs am at added ape ddy balarees. We c0mileme de average day bslartoe by adlrg .a it. daily balances to0aher sW 6ri6ng A. arao by the marl- of the day. n tin teem biTing cycle. To alcutete your T«M frnarce d?rR. marpry you awmga dray boas:. by the dsly psrkde rate and by tin meter a mY. n"billing period. Dare to ratr,6np on e deny bass, dam may be and Wane ch. - .1 road tin react of b. Of*". ao Z « N sppsm on to err of Ilia wanner TO to 'Rafaim Rate Appied To; von maltiply Uzi ' vets imllarce 32575M p.eo.s rata I* abrem ere awratle dMty balance 1r the Ming Period ? on-red by This U mebwo? take the tr?? Sw b n?h .Ch fmievers, age-* peal y, aril Wn ro any a veal. Ise de coat N appeets on Ik_e from oo IIN. esamerx tea to -Baertoe Ism Applied To; vm 0se leec ?uamid finesse denpa beartled in the balance of wpnwr.) This #Tme os de daily balance of each .a, ..W Them, taw add rq sr due di1? balanna far Oath sepmena for /h being plied sod 6aib by tin howl seminar of days n tin bM%parka This giros os eta ape dipy Italarra a rch etpna¦. 3. Arend 'A Rea IAPRk a. The taan m "Maad Parcersag. Rae- may appear a 'Afar' ade The fdenx of ( sulederr_ b. H tint ro P 11*, L L (PA ..l1 ppsaC rica he w a tie a sta S (8 leartk1. e , the meeappose), he t tram of des s sraawarr nee to I M Fa31CERCE1 Th "Is as and ry emra#ream$ /VINI/AL OtrAO MTES may tart g.mdy ,may Frtoe « tf.ewase based de when i,6Dee. a food b, TAs Wag shear .!Darr( pie de earpin pmdorWy disclosed to you. Thes Tdtrtpee MR h 01110: M m due ad my of you Eil pdlod ad by Vas Periods samorm m es7ddg are a ry, Api, JaIV and 0001m . c. I1 the rode 0 (Pirw), F flu U90M or G (3aw. UBOR Ft - Morally) apposes rte de from of Vohs statan es era w de P-dc M-1d. the pedotfic rows ad darteeporn6rnI AN UAL POCOIfAGE RATS may very mmaley ad any itaesse « daceem bad on due a+ted indices, a fou d n The Wa/ Saner bra( rim " sea-girt P-MY disclosed s you. Then drrpa v 7 be eflaiive on de ins day at you bMig pteriod odd roads 4. Assesrsea d Lau, Ovrimt ed Rosarnd Paym it Fees. Yarn acceea Mil be asessd AT, mode Than I" of des fns fatal have the - dadng arty bag pafod Un . der the "a of rreforn sods a not a aeam« apmmer. we deserve the don w any lase widW p a, rtetiir?li.n to put Mtho x -swig ore dart. warm cite star or sinner a a ran 5. Yost ADIkon.ewt. If s tr ab fair appar n ds lot of pis nsame eot hue 30 pay from tin Are die To herte tar etsRW te you To Ve . p.V.Is des fee « TO row O Ise da To yes If H you e dntal your s nor ai. Deedng Oft l pinta VO . Yen MY romb-If w law yea al .401- hvinp u pay Th mafy as by Tee. 7o canorlad yea account. yes man a notify os by ceihp o Qatower rklOSisr Dap.. d M VOUr New Bd ance- n 1d/ 1e:tdedrrp the nrroersmp Uw pkr to pw add of fbr dinY?aY Wriod 8. R Yw tlse Your Atraou L You tart mgrs b dose Yyewea acaurt by ralWdp tap aato er Ralsdotr Dap maven. You rrttas destroy Vaen cme me" ad Ocar.t noes drixb. umal zip PwenaleskW bpWdtl. d wee rairdo yea atoaaa, R you d o art tarsal finewaronizap brig anarnpaaniTar en wN tp- V raceip a • tisrps you amhwi:adrn w ndpor, yore er?tws. Atldiaily, -;,met Nil rot be closed tatdi yore P, ardonsnouts yes she rte emsaedO s YmT hw s,a,etaed, 7iedee drrya, pan dos tars, owerfi rk fees. mems d jas 1m, -h advance ins mod airy mar late sel sd w Yoe, atmatC you am r eNasible nor these Tarwtat. wRtetler y?odazlrinaa n dr tYe ymT rtgrst w TIwT . i coned siaapsm to Taw eo9eean te doe Me aCbohrm. Tin's may sect kin dirmos ap.eeie on vow alxeu l ails tau hew you accatse e n tts seeady bean dosed For aempie, 'f you orserized . purd: me fr m a meedtars and we Maiw Th trensectlon from des members after your aamnan hs been, dosed, your accotst wN be reMared, des a roan a the clrdpe .0 be added b you atutatt, ad You win be resparWbk sew payment. H titre is a mstberalip lee nor VOtr eases. rite Fee wa rnrekue te be dwrpW, zo de ewers IwmJZtad by law, umil des aeceutt balers fns bsen pain in WI a defawtl shove. 7. Usig You Aesort.Vau Card w accaae Carrel be nand n c.r lion i h try internal glanblirg varranbns. e. Nuke Alnnd k - ime Gad Car ud i, you provide • dad pa you a ,st o - either to w tnkimeia, from your ore d deck to nuire d,. ke a a w.tirne electronic bud va onoslsr Iran you bntk seeotaa or te poem file papnsnl as a deck Transaction. Who we tae h_:ea n boa year d,ack w make an olomrrit lied vaslar, k W may be vritfdra- your bank atmmt a nom a the aeon day wo mr si- par par-.. and you tai set mmive your dteek beck Iron pow Whmtdal iMiawim. e11LNG RKRfrS SUMMARY In Cm Of Errors Or otmatins Abaa Your Bel K y u pndt yar ba k vveorty or H you reed man kvirens ion on a I-coral or bill, waits to os on a -Warne ales s ern ore potd6le a Tin addax for ipti- sheen on des from of dfs swtamam. We mat her Iran yon os Mme turn 40 dayp+ ,/Ten we sere you the im bill on which des .nor a publro appeared. You ten csa out Qatemen Nalmors awtbet, but doig Mg not preserve Vora dots. n you tamer. giw os des fdlowhV nf.mudorc your IWnd ad so-es most., The dollar arrmt0 a t e mafeLYW error, a description of zhe error ad M otpasKan, it posate, of May you brine there is s tutor: a if you need mom atom itor, a description of we item you am eons about. You do rot teve To Pay arty admeat lit gsadm voila vw ore --debating h, but y u aR WI Obligated w p.y the pads .I pw bib den are non n ri a ewe wt -o0q.. you gwmwn, tam canon report you s de nquarx or Take any action u comfit the annum Tae tuadmt. 1.'t Strobel R,te For Cradit Card Purchaser If yes hw a problem w t de gWiry of property In services cat yam ptrtlraed Melt a emM tad aM put hw Tried n good uHlt to correct Ve Problem with the r erbem, par may hw Tin don not to pay The temtsing snare due an ds property or wnf Yes hw this lnom-der, aiy Mite, de pmd,aee Pace erns m. flint 650.(x1 ed fir puchm was made n Y- hone gram or Mein 100 mils of V.u maWg addees. (If we own or Opa. Tin mwdwM or H we mailed you me adwnismat for the property or semis. all putdeses am mvmed legadim o1 Intearim a hocadrt of pudux.) Rase r.nemder s sign N a«tappdree. 't Does non of tWy to oonsorror non-credd rand acmed;: t Does nor spiefy to baines, non-crook cab a co mms Capital One rEpons kdo madon pdvecy prreaton.. am osr websre a www.capi? rm. Gild One la a federNay rm gmemd service mad of Capital C"N'd on. e Crpomkn AA d9l" reserved. o 2003 BAK Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your Payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p_m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT_ Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 541OD0-01 Introducing PRO STARTER 2 The completely independent power source that eliminates the need for another THE BATTERY CHARGER THAT DOESN'T DEPEND vehicle or stranger, tow truck or ON ANOTHER CAR TO GIVE YOU A JUMP! dangerous jumper cables when your battery is drained.! ¦ Just plug this compact unit into your cigarette ighlet--within minutes start your car and you're on your way! 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Oslo Capifatom, GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 DEC 12, 2001- JAN 11, 2002 Page I of 1 Account Summary Pa yments Ctedtts and Adjustments Previous Balance $558.8o 1 17 DEC OVERLIMIT FEE CREDIT S29.00- Paymena, Credits and Adjustments $93.00 2 17 DEC OVERLTMIT FEE CREDIT 29.00- Transactions 55191 3 24 DEC ELECTRONIC PAYMENT 12.50- Finance Charges $9.20 4 07 JAN ELECTRONIC PAYMENT 12.50- New Balance $537.91 Minimum Amount Due $37.91 Payment Due Daze February 11, 2002 Total Credit Line $500 Total Available Credit S.00 Credit Line for Cash $500 Available Credit for Crib S.00 At your service To nll Customs Relation, or to report a lost or stolen ord: 1-800-903-3637 For tis oniine ac , serrim acid speed -toms offers, log on to --piulonecom Said pymmts to: Sad inquiries to.. Attn: Remim ee Promsing Capital One Swics CaPiul One S-im P.O. B. 95147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Transactions 5 11 DEC PLANPLUS 800-591-917711/19-12119 58.25 6 12 DEC OVERLIMIT FEE 29.00 7 16 DEC GIANT FOOD #120 SI8 MECHANICSBURG PA .5.00 8 11 JAN MONTHLY MEMBERSHIP FEE 6.00 9 11 TAN PAYMENT PROTECTION 1-888-527-6904 4.66 Register today at www.capiWone.com to access your account online Your FREE arse s will allow you to payyour bill online, deeds your balance and view your statement it's quick, easy and ward Finante Charges Pk-ue rerrmee j&Ar for inert-d in?ln?rn?iors B.ra.arr.k Per.Z CA '"d R1AW .y,?r 2m ? PR pLrRCHASES 5546.S7 .05425% 19.80% $9.20 CASH 1.00 .05425% 19.80% 3.00 ANNUAL PERCENTAGE RATE pplied this period 19.80% 39911M V PLEASE RETURN PORTION BELOW WITH PAYMENT. Capialow, 0000000 0 5291151856361793 11 0537910012500037914 New Balance $53791 Minimum Amount Due $37.91 Payment Due Daze February 11, 2002 Total enclosed S Pk-p-d I&-alsrn kbm-.rAlu hs kirk wL sacra Apt If (,hg. Stets TIP Hare Phone Ah- Phone _ #9001237497863058$ 14AIL ID NUMBER Capital One Bank 306 LOUIS U RICE ,1R YORK. P.O. Box 85147 f 306 S CSB ST Richmond, VA 23276 m MFCIiANICSSURG PA 17055-6302 m _ Iltlr`trllrltll llnrlr"n'?rr1llltr?Iu 1'Ir11'Inr'?IUI?1111 ? s?a FIU"Ilrl"'nU?l'Ir't'ul'1111??1'IrUtI ?III'1111'II Ir II III Pleme mrae)vw aecwnit nmakerm yora dank o' money order made pyabk to Cafitd Ow Bank and rxail in file endured envelope r Special Offer For CapitalCW Cardholders! YES! Please send me the Pro Starter 2(s). I agree to pay the plus shipping and handling indicated below. Please charge my Capital One* account If 1 am not totally delighted, I may return my purchase for a prompt refund of the purchase price, including shipping and handling. «Y. Item No. Description Price Each SRH Earn 130506 Pro Starter 2 $49.99 $5.99 Account Number. 5291-1518-5636-1793 LOUIS U RICE A 306 S YORK ST MECHANICSBURG PA 17055-6302 cardroider syrehre NW O*WkhtdsgoAO I nabodie Captltl one a Isesd dtf WWK etid YrLrtes W 110=0 meleffkbig leapaek m or behi c Mead Wrleig Gaq aM* pnonklet b'a poled. Plea.ase 46 mr 1. kdeary. Oast good vide rW- last O 2D02 Un ed htefiawg Grog, P..0. Bon see, BimsM L OD12fr M H yon t14 pp'1 addes is ddlrertfron fie address on your eatenWK please m nplete the Arm boost. N ordle IsB be slipped to file same addles. Mace C4 Hare Plane IMe E-Ind Address Slate 2P (fir yon E-ael aelea a mare Mike offers am onems.) 02002 CapiW Oro Swview i e Capita Oa'nt a eda.ffy aep'ntlrW service med. N sighs M .-A The mards o bee haired in this brd4ihae and the brocaue lama are o1fwW by U liad kWkeffrg Gass, an MepwrNm schwa spevirirp In nWForar sea ad act aan.d.0 Cdsplal One. C.PIW one does rot provide, lesions, or ramemes any product or aasvice shown base. Unwed Made" Group a ad* roapantba foc this oiler. By n.porsdi g to 00 infer. you may be mnanain" bdomadiwa about yasmall er UNMd baedeting Crap who proeldes this prad?f--tor wanpe, BW you am a CapIW One cleanser. To order by 1Wptorr, --leer call Unwed ktww g Group al 000-S0-mm. HE-1951 1102 564AS Dalsh and ttdum In your capita Oro =MR pad 8 0 O ph N 0 ¢ v n tetsnos a soon segment sacs day, star nary new t to each segment. and subtract any Payne.. r aorta, m ON code N ,ppra on w from or 0" statements nand to -Be -Rao Applied To.' ass slap -damn aw ape arena creme mckelsel h fir balance ot each espy- I This gives w the dally, bbalance of each aepnom. Tien, we add up as file alaiyy bmwces w each apnea for the bale period and d.i4 by the total me br of days in the hieing period. This gives us the average daily balance of each sooners. 3. head ?aeamaps Rata CAPRI. a. The bash -Nerd PerawatV Me- may appear as APR- m h thaw of via rommosen. b. If the cads P Ordinal, L (3-ma UBORI, C ICealfcate of Depom), or S (Statement Pee) appall on the from of 1Nf anemia nail to the peislee .tare), the pefief[ men and DarteaPe,adap ANNUAL PERCENTAGE RATES may vary time mdy Mated may Maass or dswaae basotl on the card ktfces, a land in TAe Wag Sasso J.ra( phi the margin P.vlady faclosed to ymu. Th- drepas eta be affective on the BM dry of your = ? covered Period by year pedodilc teallentas quire c If the ride D Neter) F n-tt?o?UBOfiI ortG 13 rho. roomm ea hales to h periods Mobil), lie periods ones and corresponding ANNUAL PERCENTAGE RATES My vary mo mly and may Increaser or decease based co, she sated kh I as fate to The Wd' Suser.Amney plus the margin pmvimsdy daeosed to you. These dhwV- sera be effective on the fiat day of yaw befog prided each month. 4. Am asoae of Lame, Ovaries led RWnned Payment raw. rota sonatas VA be eaeead M ears than two of the lea limed has* that c a mr doting any billing pasted. thader the dpht to twlee'Fal of root to antomear a agme som, sin reserve the any vas witMa prior nodffcatimn m you wHheur wmMng our helm w asses the are or mensal M . lass .toe. 5. Rarwkg taw A t n , membership are ream m the I rt of this rw s, is ou have 30 days from the la flit statement went tan, v y t he sx such a eared a you to avid payee the tee or to have drcain fee credited to you If you a cancel to ma, your r socca aka. th vkV Vas mat period, me e your aaeuy account, havkp t to pay the cam fybm - by tae. r e Cox your u ur aaaas, you mast dose she axaas er dry are ilo,Nd a6.egm% 1. request so closis to mccosers. This your may soot des on you acswmtfte Y result I. he- you, amwml it it has drily been dosed. roc a-ple, a -ril w by ctliag ear i full w Relations pay ' flaw pdas B to tho mcm- the thi y- the It Yes ad am tern A. to the wild of the t edry period 8. N Yes Cbaa V- Aaead. You can rogtrst a to close a Zampmas by mate air Convenor Ralalass Mark. Yw meat destroy you e.let meadW lid actoum axes check, cancm d pmamhaked brie. ad ceasessL pg your ZIcaUW N you do not teidd Proatadaatia.d 6?emp arnnpweasi., was r l tcrerbr reealpl of . carpe your mahoaatien w roup.n your ocors. Additionally, year atrnhm wA nor be dead Clauetnay you pay ear amarra you owe w btdudnp s^Y Yom. hero smadoabed, a c Phi yms foes, fees, cash fee, ovarAals lees, retarhed ppre advance fees and any other fail aaered w Your account. You am asa0.aa.- , w ter imams waeaer My ppow m year axasrm a the cane you aegtea 1. if you authorised a pumdrse I- a teachers ad we mcok,m the larwaClon from the mocHm alter year access has been d-ol, your sc xint sal be mcparwd. the .move d Via drrpa tan be added to your aceaea, amt yw -riff be reapaawiba w Pay-. if amore b a -.bamip fee I. V- lissom. the dos evi camiwe to be ed, to h ntant permitted by few, aall h "count es, has been paid in fai so clafiad above. 7. using Your Aess,m.Your card a aocamt cannot be wed I. con-cfion wah wry Internet gambling lrawaaios. a. "Aim Aber Electronic amok Cenwtaion. When you pro.ide a Beck - p ymom, yw aurhudle w either le bee nloser ion from tots, check to make • one-time aaetmrie fed trmMsr from yes, bank roam or to pmcaa hpa yrntm at • deck transaction. When we we inwmatle===a ke a kid Inaew, sm than year baste scam a nom K h name day we reCelve yes, psVmem, and you eel me reserve your check back from your fkrarKid ietnUrm. BILLING RKWs SukpaARY In case Of 1- 01 Qntdena Abort Yaur Bra) If you oink your all is swung, or H yw need mere seem stun on ¦ to -m:X m or M, -ft. to w on a ."me ahem as "em as possible at the acklmes, for ngtiriaa stcwmm an h tram at TN. naemers, We rmat hear from you ne win than aG days ate we sem you the first bill m Mich the eswr or problem appeared. You can caw err Gaoma Rate- number. but doing so wA not poe meti V- dpi. In yew aver, give w the fclowire ample lanarm ad .smut msober, the dalan and an of ths,lun, 11 suspected moor. • description of the arse possible, of why you bdeve them is a amid: w H you need more hfom.tiun, a description of the ram you sin sue abed. You do not hew to pay my amount h tismron valA ere are hwadgetig it, bur you am 20 famed 0 j y the pal of your oil that a. at ?tiffa tsar 9watrmm, we cannot report you a aleglhptrtam a ate any salon to cosec the adrhotm you tPestien. r,t special Roo rbn crook card P-basec If PoU heve a Problem With the ¢drly of property or a-set M you purchased whin • credo Id ad you hews teed In good fahh w coraact h problem vdm h ails", you may hews the eight nor to Day the n o mom" due an the Paopenty a serAces. You have this protaclim 'r wten pwdeso pime sea. roe am 160.00 rd de made your home scMe or vttlin 100 mtas of Vote -10" add-. 111 ero own or operator h mwdws, or N we msf d you the adesnisnaait w the taoPenY w sewica, ear ptarleas ale se mon repsNea .f aerotm a rshm r. of purcuse.l Plena nwarmber 1. sign all conesporshmar. t Does off /Cply m cmwnc non-.-a,& -d .ccaams I Does not apply w besness not-rrsler card acconnrs Capita One sppor. imoonsdah privacy pn emion: see our wa0ite as vrvrw.capbalpre.casn. Capital One is a tededh registered service mad of Capital OO ?al Corpo smn. AN dgma Memo. a 2!x73 OILOLBAK T s. grace Perfect. Yw we hive a reki.- pace pefied at 25 days wid we fkwrax dwrge Purc7m, new balance trarwrers, arw tpeual p.h. a wad rev e11rr acwmmsrs Nce w?ftl a lfr sew -Nam BmMCe-, w ad h time der h as be c by w es t sussm temOM' =6 is ne apa riood on "A atk?wrrces aois. In. , ldnianVero a no pace period on any trarsection If you do rota Pay des toot 'Nsm Glance. 0. Aeoniy F:. . w pace Derod - Ovpe. Taasaaiass wNN me rrr wyect ae aesmed Arena narga 1) from the tore of the in-don w 2) from the date the transition I. pnmceaed w vote Account or 3) awm lea did called., day of h camwm biRg pmiod Addaltamdy, it you alb not pay the 'New Balance' bon the paoims bMkg --- M bs, (iWYa llengtl porekar f. ace m yyowurw unpaid balance tre syt the unpaid balance is paid in frd. you pay the entire New Baaro irrfcafmd on the ? own it fine of ymff statement do as, ter the by the miss assessment dosing d... as rid aro added Io Its prmAus month. Ll paid Awee dahlia sea ffaasam of yam Accost t c. kfitksas pimarme For ads bQirp perfect that account Intel 1:11" s of $0.50 vnMlbe i mpoasd. N to teal Hence charge -.add irg tram the application of tar Petodc OW-) Is mesa than 00.50. we wta si8lroa m ammmm tmm the $0.50 Iaakiraae led the dlherermce M be brffed Ie d.puwMss se sent of t d. Taarporry Reddral'et In Charge. We roaerve the dmm .rot aces any or as lance die"). w ashy $I-- 2. A hBvra01 ? Daily 6.Ywe Immidkg Nles P.W.-o6 a. Rnanca charge Is dalcnnmd by MUNOVYp h Ody balance of each se.. of Vow soeam k-Q. rash ac aroe, purchase, spatial Installer, led special ptudse) by the corromponhaI - daily pmiodc mteW that has base pme iashy d6cbsed to yoLL N she and of each d.y d= the Cr riod, apply the daily pedodc tam nor each stgmem f ywr .dram to the ==of a.dh -.1a em. Tien at [Ile ad of the . M add tp the MAN of these daily calprmaaaar to andee n year pedodic rmaroe charge ke each ..pWe add tap ear mKft flan each aienerm m mdve a the local petioles, fiance charge it. you account. To get the dssy balled for "ch segment of your amain, we tai =-a- and baynig balance lot w aepnlem and add any neverI edoo br finance large ciw4ted an The Praias that segment. We then erAeract any of that day trat - &-.d to that P.yrnews media passed sgt- rare the eepame daily b.1- Its each separm of your stmat. Ho m me. N you paid the New Basra sts wn on your penitent statement in fl/ w if your sow balance sea rem or • C"& arnourU, nICM trarsaaions Erlich post to Vote purchase or . pumha tegnemi .. not added se the dally below- We colaate the ...mile daily balance by adlenp .a she daily balances together and disrlenp the lean by the nai6et of the days in the amsra bOing cycle. To calculate your scot 6ruroo ch.nga, ne tipiy ysr ¦-mile daily bins by the ddy periods rMS and by h mecher of days I. the big psafed. Due Is Iomaalrg on a daily beats, tlm.ro sy be a aliphl varirme harrsen tta t.ldarkM ad e. assn of fherce carpe aaudy assemd. b. Has code Z . N appsea on the from of as Moment elm to -Bair- Rata Applied To: we muhigy, she 3981 l M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p-m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 24-KT. GOLD-PLATED Magnetic Witches Magnetic therapy is sad to . . • Increase energy • Relieve pain • Accelerate healing Please send me [n Women's Watch(es) andlor MMenls Watch(es). Please charge MY account $29.95' plus $4.95 shipping and handling par watch, and send to the address shown. Please charge my Capital One account number. 5291-1518-5636-1793 I eu"Mme Cap+w One to wwerd tha coupon% whim Inea,dec rw accowlt eomear for tiny paposes. « my uehaa w tM -P-V that pwiees tks podu 1. Signature W (Valid only with full signature) 299142 Detach at perforation and return in your remittance envelope. FOR copindow CARDHOLDERS LOUIS U RICE JR 306 S YORK ST MECHANICSBURG PA 17055-6302 Cap"alQwe Account S Previous Balance $537.91 Payments, Credits and Adjustments $122.06 Transactions $4734 Finance Charges $8.72 New Balance $471.91 Minimum Amount Due $15.00 Payment Due Date March 11, 2002 Total Credit Line $500 Total Available Credit $28.09 Credit Line for Cash $500 Available Credit for Cash $28.09 At your service T. an Customs Rd+6«,s or to report :lost « nokn ruck: 1-300-903-3637 GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 Payments, Credits and Adiustments JAN 12 - FEB 11, 2002 Page 1 of 1 1 18JAN ELECTRONIC PAYMENT $12.50- 2 19 JAN OVERLIMIT FEE CREDIT 29.00- 3 21 JAN PLANPLUS 800-591-9177 OV19-11119 16.50- 4 31JAN ADJ- PURCHASE -FINANCE CHARGE .09- 5 37 JAN ADJ- PURCHASE- FINANCE CHARGE .54- 6 31 JAN ADJ- PURCHASE - FINANCE CHARGE 2.22_ 7 31 JAN ADJ- PURCHASE - FINANCE CHARGE .13- 04 FEB ELECTRONIC PAYMENT 12.50- 9 04FEB BALANCE ADJUSTMENT 48.58- Transactions 10 it JAN PLANPLUS 800-591-9177IV19-OV19 11 12 JAN OVERLIMIT FEE 12 11 FEB MONTHLY MEMBERSHIP FEE 13 11 FEB PAYMENT PROTECTION i-886-527-6904 For lice +ctount swig and spend rmtoms oEas log on to: Register today at wwec.capiealone.eom m access YOM aceount online Your FREE access will allow illilncaom wwrr.u pAab , you to pay your bill online, check your balance and view your statement It's quirk, emy and stare! Said pgmems w: S-d inquiries to: Attn: Ranitt- P,-,ing C.Piw One Swim C.Pinl One Swim P.O. Boa 85147 P.O. B. 35015 Richmond, VA 21276 Richmond, VA 23235-5015 $8.25 29.00 6.00 4.09 Finance Cha%es Xinleim reve reeside for imfiodani innfo rm&w,, e Bdw.* p1rid. ?a or gyivlte rte APn CHARGE PURCHASES 551859 .05429% 19.8096 CASH s.00 .05425% 19.80% 18.72 8.00 ANNUAL PERCENTAGE RATE applied this period 19.80% 38272M PLEASE RETURN PORTION BELOW WITH PAYMENT. Capmalo 16+ 0000000 0 5291151856361793 11 0471910012500015008 New Balance 5471.91 X-p-d °JA b-Z.ArlO°',eb,U--,..;s„1 Minimum Amount Due $15.00 - Payment Due Date March 11, 2002 str«, Apr. e Total enclosed $ -1 ? S- ZIP H Hose PI»ne Al,s+su Plhooe - Capital One Bank #9004337497863053# MAIL ID NUMBER LOUIS U RICE JR P.O. Box 85147 N 306 S YORK ST Richmond, VA 23276 crv MECHANICSBURG PA 17055-6302 ai s 1111 fill 1191 111111i„11 1,11111„1111,11t,111,r,1 I,,,III,,.Ill,1r1I,1.1I,I„II„1111111.,1„11111,,,111„1111,1 Pleax tm &Yt-corn,-! aw-ber onywo-coed w money order madep yab11 to C191,"- One Bank and -1, n the endaled enaulcfe Great look and fee! ... 24-KT. GOLD-PLATED Magnetic Watches Th"y of Magnetic Headin&- It is said thar the magnetic field attracts and repels charged particles in the blood, creating movement and heat Marry believe this process helps accelerate healing- Haw)w hawd; Magnetic therapy is used by sports professionals worldwide! Powafel 15804 lm tuagsac tpatuptobest'aa.aaa b beakil, -ad- people wed lesi& Sits-plated 241CGold and srlva-PIS t , swencLr-fe alloy epng second - "off adjumbk wrist bead 4 L - hand Choice of mm s or wernen't styles 14atary opmted Gmoinc diamond chip at 12:W position Wataael tarnish-r isrant SO. tied contnucdon Position groom taoleomr Dmxxa i Cols design `vith safety dasp i // 'Subject m credit l l I INN and It asidmn add sppLic" J. r.s. Ploe alloe'r5 -eks for ddi esy. OBa expires in 90 days. ' ZY nmm ba mampleely aatiad .rich yeti 14agneric yVadrfes) ot term is within 30 days fo ymr nmey bark Y/ Th rrnetchehdim tamd h dm's offer's dined b!' J-0 Dimct, Inc, rdidh is solely det)hoRibk fo tAe P•d?-J? Direct, inc. )500 racelsior Bl.d., Sc Lnus Pak, Wi 55!264519 s m altdisced with GpiW Chic and s solely .q...ibk for its peed.- and ratans By napes dies to d. o8es, you may be mmrmiosog iofomadon abmc yen.& to rh, -parry d., provides this podsa-br -.pk. ter yvu are . lip W One er .. Cation: Not b ire by indiridrols fined with cardiac pacemakers, interest defibn"B.m add prcgom women. Nothing in ibis coupon sMuld be takes as an esposs or iosq;,JW cleim regarding the medial or beakh impact d ties paor)ac 02M lipid Os S-x. la. Capital One o a W mlly segsamd myiot nude AB rights tesavad. S O : O j N O p N ped.ft Rte. To oMdn the serape daily beluax Iur the hies period Covered by tlhia aaanae, rte tab de beginwp W Wce N each top ands Ny. add army never tri-scaos m rods r=, sad aptraa any wymhrts or aaditc M the e Crate of this meows nea m'BWnc-e Rae AppWd To,' we at= s bus" any ugitl assn dirge included in its balance of each eell maaLThh gives to the daily balance of ands Soo? ? add Up NO " segners far Yo Naeq period and drill by the tand p? ,easbar of days in the bMV peed. Title gives w the ,wogs May balers of each segmam. 3. Ar.u,l Fw-rdps RNs IAPRI. a. The term =Z= Paeamamay appear s 'APW on e N thin b. It the code P 0%sm, L (3-mo. LIBOR), C 1Certiicve of DWOWO. or S (B-Ream Pis) appsR on the from of Ws p-eare trey to the Periodic MOM, the periodic rats and tawwpondrg ANNUAL PERCENTAGE RATES may very g.dedy, and ray ktoeas or tie- bald the stated M6oea, as farad In 775 Wad. $ono( J rsK pea ma -On preNaNy dadmed m yeti. Time rihrhpes was be etecflve on rise im ay of your blsmg Paded Bowled by yor pariodc statemem ending the Races Joessery. ApA. July and October. c. It tie cede D pica), F 11- LIBOR) a G (3+w. aiLIBOR Repimd woRNy) appaaR on the tiers o1 your aaarrtare nsm m /M pahric R ENT the C rats d mtaepaeinp ANNUAL PERCENTAGE RATE base may vary ameldy and say Maass or deesare Dosed on de Now idea, w feed it, TAe - Shear J.-..& Plus de -slur periarely disclosed m you. Tire dmmgw will be eNSdw on dr ina My of Wes Ming period each mode 4. Asaaaam Ed of Ida. Overemk and Returned Payette Facts. Year acc-m will be aea!asd no mesa than two of the late lived Imm thas arns dunM ary bWaV period Under the fen of ye? Ctadmma aprsnmse, WC Reerw the might to -I- w rr R craven shy ears wither! prior rhotifation to yon witness wsirig our light m assts the same or Warner v • its tint 5. Rana- Aaron[, d amwnbsrWp he plsss on on de, the Ism N this aafamae, you bar 30 cep hem d. does dis state ea paw mated m ym to ,void POOV she lift re to hew arch ee aaSited m Vm If you canes your scosses. Dribs die period, you may eomke- m vas per acrsus without terbg m pay ds sby c irq cancer Veto account you own dho0 ar RWair De ponem and pay sew Baran' M hs (exckxkv stns pa issd pda m ds s of ds Wrry?ay period. S. N You Caw year A-cum. Ym can rapwr to close pyoaru aswe by rig our Cm- mass. Ym see destroy Your credit calls) and accotae access decke. canal A preautaf¢ed Ming, and acts - a coum. N y- do nay card preasherizwl anangartsrs. we 041 consider mcafpa of a days year atsUSriznion m reopen yar scosaft. Additionally, Your aceaem will ro be dosed until yon pay .8 aeaaee par awe - lnchalk p: any b actiors ad. Bnan Wrgw, war due lees, _=Z= e0 payrnanl fen. ash ad.- es sM ary odor tees araseed m you ,cc-It. yon ere mprrThle W then owes wf ther they appear on your amnue a the 1Me par regsst m dose the -met re day am kmasrted atpegaR to y.u Fames to close the account. Th"s may me ft in your amw it it has alwally been dosed. For example, if you audameed a pda lsse Isom a mercherri and we ecehe it. tsarwcdoh Isom rte -te s after your ,eeote has bean dow4 your seeerem will be reopened, the aeons of she dupe will be added to you accovo, and you W1 be tsPOraa - br payee m if drone h a rtsatAa , 4 Ise fo lase acmrast, the tae will anth- to he m the edam permitted by law, tsr0 the atmem Ica bean paid . M k1 n defined above. 7. U,iq Yom Aawnd.Y- card a accotnt canna be caed it dmractim dish any iaemet p bIWV ire secrio s. a. Ilslrea Ahst Earpass Csaek mride a dead err P.V. ,:= e te dfher to se Mfo -I n !cress ysur dickuba m cake , --ti- electronic lea basal knee yonk arawt a to P.- em Paysoa te a tdack tramaclion. When arc nee knbasaagm Iran your deck to make an eeetradc kind itsrsler. Inds army tits wi=wn from your bank aceohar s awn s eke crane ay we s_sw your paymes, ad teat rs1 not receive your deck back hen you financial kwiatinrt BILLMG RIGHTS SOkIYARY (in Case 01 Earns Or Questios Abas Your Bill) If year ftii you b1 is wrong, w it you need more mrianneien on a ba sacllm or b1, write to m m a saparaa cwt n !sett as podtla a the am- for ingridw awn an dm saw or Wt staemem. we must hear Iran pd. w Isar lash 00 Mya after hue tent you tee ire bit on wi"sit the sitar a seism appesre0. Ym can cast mr Crises Rslohs raeaber, bar doing w will rot usyc signs. M yon letter, give us the fdkawnng mt yes area and account nanber, the dollar amour N the stsspacttl eta, a desedption of the error and an miplanstlsC H 5E of palsy you believe the. 1. an errs: or N yeti need hoe k4m neon, a description of the hem you as arse .hash Ym de tohew Io pay any smuts cp M saaah While spa aR "ve ipadnp h, butt you a. N obrrpaId m pry the was of your bra dui ,rc not dewtt you a /si - hwse ?e, yar gasmen. we -ci shy action m cNea the more you dps®im. t.t spells Role For Ceti Cad PurCh-s If you hew a pnbem widr the quality of property or -,A tract at you prdn.aad med. • crest card and you ntesc ere, yIn good UM to cterect On ou may have to dpM ro to pay t with 1 he along amour On an rite less etty or mhicea. You Mw Wt 850.00 w= dart the pmmdaw price was mom stun m Pure sse was wade M your home as" or $60 ysur au- address. 11f we own or opeme d. maardhare, ae N vs roved you 0. _ are --d mepamda•faaeutne or -Aces. a location Iof purchase.) Please resamia m gigs .2 Cortaspwdence. t Dxs ere appy so comatose non-vase card ac alts i Does not appy b bass- rron-eyadk' card acmmrs Cetera One rappons idosafka privacy protemim: tie mr hvebpC a rrnmW. Corn. Caphaf Os e a y rmpss.d semi mark of Cspitel One Aa riglxs reserved. 0 2003 Capital One OILGLBAK 1'.. grew Peried. You will hew a or"- grace period of 25 Myer wkhw rwarha pudess, raw bahm trarrdmas, rave purdaaas and rave oiler cage N year pay you total 'New Bahmes", M atsadeto wish the ImpotaR Nalca for paymars below, ad M tins for a m ba tsadlad by Your sea v.te naa Them is no q;ace so fi? man R. In ad0is"I , IheR e no grace period =.19=1 on any transoim if you de rat wY ds teal -New beasts.' b. Aeoarig F Charge. To.. -doe which .. not =,I=,= e 11 cdon a 21 from fhe data the usm-men hday N tM preared . you Acc-tt or 3) from the Met cale da arrm bplirg paid. Additionally, it yon did tr pay Lie " Balers- from the pRNas Isles pabtl M b?, Frhnc?e carps rnah se 10 scene to yea ugeid balance area des unpaid balance a Paid in rill. TNS arras that you may rd1 Cox irrrce tdurpes, even if you pay the own New BWace ihdcatad on It fras of ymr aa.tanare by the rest setanant doing dam, bar did set de w fa de psviars Como. Unpsd arum curses am added m the ap0III - ¦egmerm of yes Account. tc. Wnanm Fissuese Gaga. For each nil" partied that your amw 's .vEjea m • frurn Wigs, • "T.- tae! FlIIAIICE CHARGE N $0.50 w1 ba knposed. If the read also doge raWlkg from the apOkwdon of yew Periodic mew is hem th- 90.50. we wig sibm" cat anass inn An $0.50 minis rn and to dfero will be bled m the ptsrln•e sapnat N yes scant. t d. Tenpenay R.iartion " F Crys. Ws raswe ear riglu mpsrootd- any a dl Rums dirges far stay III- 2. Awf• (aaai' B.M- lbae&V sew Punch-L a. fires Cheap h calasated by nuddplykg the airy bran N tad aspen-s N your erns (e.g., cash sth-, p-hee, spells traser, sal apedal phrds sel by the taswpasnarg aay pmMtfic stall that has been previondy shaeioamd to par Al the and of sect. ay dung the bibs panted, we apply the dairy pe do me for each eapws d yar a<,9n.t m the Mayy brace of aaih ••on•fm- Then a the arc of the bR peed, cam aM up the mods N shwa daily calct"d - to orrice at your pasirtfe Rico dsq kx each tapers. We all ty the reaps Irma sac wprhat m srriw v die rots pemiORc Sna or drape for yaw fax-st. To Use de ally balance fat each reso es of your secam, rue take the be0k•ig balance a each regimen a ml add any taw trasectioa and ary? fksrn ch*%* calnaetmd on the p via d•Y s Is, dat am- We dw wbt.ct any paymas a -ens passed n of that ay dr am aaocnad to cut ¦apnas. This pies to the ¦eparaR dairy balance :::.h a•vm•r of your.arm. Flovvever, 8 you pad de Bsao sown on Yosr pfeyioua reateeheR I. kin le it yea meal balance Wn zero of a crcdt amorts). chew I -mol'm s which press m Vote ip ress or tw . Ptrdsas reyshass ere me added to rise daily be].-. We calculate tlw aseraga dilly balaee by addnp .1 the ally b.1- WVW- and dridng des aan by des number of the ap M the oummybihi cycle. To taMLte ymr total aPwl-=W- Rm?ahd Oy the nmbsr des . balance I. by tlu I. the ailing W11.11. Dts m sudsg on a dally beats, them may be ¦ diple -lose bermaen Ws calGlation and rhe am asm of inao .ca dly aseRed. b. R the hsa Z or N appears on the Rent of din statesman next to -Balance Rae Applied To,' me onedoy the 38272M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT_ Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are hdondaythrough Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. ^.F FOR 111111111 1111111 li? , t S 545600.01 Cate 1111111 1 CARDHOLDERS Try P4"o"'wrnt pp Tfy new STRESS ULTRA as a Stress Ultra free! ** "?O"? It's worth S 10.00 and irs our gift to you without any charge n _ ---- whatsoever as a trial member. FREE Giff STRESS ULTRA-THE CALMING NUTRMONAL FORM111A SPEWM FOR CMM Oda AIM _--??- Combat stress and its toll on your body! LOUIS U RICE JR FDRM?u _ • Redores Key Nutrients • Powerful Antioxidant Protection Mail your personal certificate on the back to get your gift! • StrIcss-EasingHerbs Btx.rr caE.e Plus Stress Ultra soothes nervous anxiety' a oi16o ""° Tly it for yourself, FREE It's easy! ti trc a+Ha mu ha e w been nam9Z- dr Turd mal t> ug Admlmsrnnon just sign and mail the Certificate on the other side today! p un a as Imended w diagm a Puewrs any aseasn ENra.tor No. For faster delivery of your FREE Stress Ultra 30-day supply, call GVC toll free now. 1-800-55 7-2520 C C E 4 (THIS TOLL FREE NUMBER IS FOR THIS SPECIAL OFFER ONLY) OR ENCLOSE THIS CER77FICnTE IN Youst CAPITAL ONE CARD REMrITANCE ENVELOPE Capitaf oW * GOLD MASTERCARD ACCOUNT FEB 12 - MAR 11, 2002 5291-1518-5636-1793 Pagel of 1 Account Summary Payments, Credits and Adjustments Precious Balance $471.91 1 15 FEB ELECTRONIC PAYMENT $12.50- Payments„ Credits and Adjustments 525.00 2 04 MAR ELECTRONIC PAYMENT 72.50- Transactions $48.24 Finance Charges $7.35 Transactions New Balance $502.50 3 20 FEB SHEETZ #201 MECHANICBURG PA $11.28 Minimum Amount Due $15.00 4 22 FEB SHEETZ #201 MECHANICBURG PA 6.75 Payment Due Date April 11, 2002 5 25 FEB SHEETZ #201 MECHANICBURG PA 5.06 Total Credit Line $500 6 25 FEB SHEETZ #201 MECHANICBURG PA 10.777 Total Available Credit S-00 7 26 FEB SHEETZ #201 MECHANICBURG PA 4.01 Credit Line for Cash $500 8 11 MAR MONTHLY MEMBERSHIP FEE 6.00 Available Credit for Cash S.00 9 11 MAR PAYMENT PROTECTION 1-888-517-6904 4.37 Register today at www capRilone.com to access your amount online. Your FREE access win allow At your service you to pay your bill online, chedt your balance and view yew statement It's quick, easy and To n0 Customer Relations or to report a Tort or holm and: secure! 1-800-903-3637 For fee online unmans swim mad sPe" avsrwna offers, log on to: www.npitaloneeom Smd p.ymmts I. Sad inquiries w: Attn: Ranimanm Prurasing CaPitz One Seniors Capital One Smica P.O. Bus 85147 P.O. Bos 85015 Richmond, VA 23276 Ridrmond, VA 23285-5015 Important Account Information IMPORTANT INFORMATION: Please see the new section, 'Temporary Reduction in Finance Charge,' on the reverse for important information regarding your amount with Capital One. Finance Charges Pkmeree rearrerdelor i pe,wnr inform ion d ? ? Jb lr PURCHASES S4g3.76 .05425% 19-"% 57.35 CASH S.00 .05425% 19.80% COO ANNUAL PERCENTAGE RATE applied this period 19.90% 44275M V PLEASE RETURN PORTION BELOW WITH PAYMENT. Cap?talCW 0000000 0 5291151856361793 11 0502500012500015000 New Balance $502.50 P&-prod d,& 4-z. brdaw_mrR. orR.,k_L Minimum Amount Due 515.00 Payment Due Daze April 11, 2002 area Apo e GAY Sane ZIP Total enclosed S _ Home Ph- Alumxe Nom w? #90071374978630544 MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 u, 306 S YORK ST Richmond, VA 23276 N MECHANICS13URG PA 17055-6302 e Lt{s{n{{ur{r{{ut{t{{n{{tu{{nr{lw{{nt{{ur{{m{{ut{ ? {m{{{In{{lnu{s{u{tlu{{nu{{t{{sun{I{{{tut{{m{s{t{ Pkase write your arcounl number on your dick or coney orde mrkpayalrkto Capitd Ore Bank and mail in the endased enw1ape- CERTIFICATES WITH vALUe'S OF 55.00, 58.30 AND S 10.00 issu ED RY GENERAL VnaatN+ CoepoRATION TD SELECT CREDIT CARDS AND OTHER ORGAMZATiows. THIS CERTIFICATE ENTITLES YOU TO A FREE 30-DAY SUPPLY OF STRESS ULTRA (a $ 10.00 value) "Plus, you automatically will be enrolled as a trial member in General Vitamin Corporation's vitamin program when you accept this FREE offer. Yes, please enroll me as a 3D-day trial member in General Vitamin Corporation's vitamin program and send me, at no charza or obligation, my free 30-day supply a( STRESS ULTRA. I understand that, unless I write or ®6 to cancel during the 30-day trial period. I will automatically receive a 9D-day supply of the same STRESS ULTRA Supplement every three months for only S29.95 plus 53.95 for delivery. This amount will be billed to the Purchase segment of my Capital One credit card account. I understand that accepting my gift sample does not obligate rise to continue and If I wish ED rarxel my, membership in the program at any time. I can notify General Vitamin Corporation by calling toll free I-SOD-323-6482. In any case, 1 may keep the 30-day supply as a gift. Redeemable exclusively by. LOUIS U RICE JR, 306 S YORK ST, MECIIAMCSBURG PA 17055-6302 Account No: 5291-1518-5636-1793 CARDHOLDER SIGNATURE (valid only with full signature): I authorize Capial One to forward dolt axpe, which induces my aunt number for billing purposes. on MY beltaBm General Vlnm(n Corp.. which pnwldes this Pfd- By ' an8 ID this offer. you may be communicating inks nation about yourself to General Vitamin Cary., which provides this product-for example that you arc a Capital One custane.. GET YOUR FREES 10.00 SAMPLE FAST! CALL TOLL FREE 1-800-557-2520 ENTTrfEAmENT NO. OR ENCLOSE THIS CERTIFICATE IN YOUR CAPITAL ONE CREDIT CARD REMITTANCE ENVELOPE. C C E 4 This offer I. made and womaned by GVC . General Vmwnit Corp., P.O. Box 1500. Ch pd alt, NC. 27515. 1-BOO-323-8482. General Vitamin Corp Is not antitrust with Capful One and I. solely responsible la its pmdteu and serAces. O 2002 Capital One Swaim. Inc. Capital Os is s ledemly isgmend service mark At righe reserved. 8 O 0 0, o O ? n .- N pedodc rm. To obtain eke swage daily balance for the blift Pesied cowed by Shia MM-.M we take the beginning b lm¢e of such se- each day, add any new transactions as mach sepnwe, std mbtl m any Payment or c du. m Rna -N N ?pess on the fits of U. sutanee non so 'Bob- Nose APpiad To: we alto sebitam e+y uanp.id fromem, r1 9 krlhded in the balame n each sa7psMerM.) This wires o the daily by belstce of each outer: I. As bbafaq tossed and a the bd.- dd disid? the d al each number of Nye it. the bifrp persd. This gives . the average daily balance of each oepem. 3. Aromas Paeamage Rates JAMIS. a. The term 'Mad Pwcwm a Rte' stay appear as 'APR' mono frere of smile ssrant. b. If the rods P 9Pd me). L 13+ IBM, C (Cmdfiestai of btMssummans a asset go de P.d.dC fml*M, the terralom6cl m ms std osreapwt . AWSAAL PBICOUMpRATES may wry qmr dy aid say some or dxtease based on the Mel kh6eaa. - toed s The W.9 Straet Josensf, plus the saSRe gessiody disclosed to ym. Theme drupes we be selective on de lust day of your beiq peeled maimed by Yost geologic atasarom ending in the nods .larursny, APtt .kdY and Omober. c. If die code D fPdrhe), F It-ele. I180f0 a G (3-mo. LIBOR Amps-d Mr.MA the from of your sm on mat.naa nata - the Al eems", the pedode rams and -mespenNhy ANM AL P MMWAGE RATES may very amorally and may IteRSame of decimates biased - the and mdse, a toad in JAa 11.t Soviet Jam( Plus the maryin pneMady daceed to you Theme Changes vt* be effective on the nos day of you billing pentad mach mash. A. Aesmageo" of Least, Ovr)ti red Ars.rad Payment Fees. your ac-tae M be aeo.ed m sea than two of the fees ling bra that axe deong airy bU g perod U ds the I.- of yam Wnaner apee•ma, r Reeve the ogle 1. -.I- or net u aeaess any me wide poor nodf-lion to you wide" 10011 our 111labores tie same or similar n a Isle Sits. 5. ears Yes , • sat p fee appears n fat to do m me of aft, emsw how 30 days tiwn ire doe die ststasnes statement. s, you -se, asmiled to Tots to .-id paykg she ale or to bw snit d credited to y- If you onc?sl yon axes- Du&V this Posed, you may Ctantlmta a tee Was axwae so- hevfrg so Pay the membership fee. To tart-1 yaa -=am you met ndty - by txdkv ar Cudons Reledae Deponmee .d grmeoytalyeopm New o m as d m' to TV letrlydrg the 6. It You Cee k Aos ad. You u-n se tomes to dome Wvr sccoum by -Nltq our c mmeosr Rdohm Deparsnare. you errs O.rwy yw cwdt n,dta) and sccount urzea dr-s, cad lei pRwdeftd ailing. and -mae Ise .ecohae. i yo pnesAhedzd artargrrhasq w .,r= q iamge Was and od..d- as nape War axarr. AdddotNly, yen axes vdB rhos b c= mid you Pay oo anrauees yos team is id•dn¢ any tnos.misrs you hew ."Mint ilaee cages, poor doe foss, owdmit fees, toted papers lees, -ah ad- lea and any other fees anted to par .-cura. you aR neRos- let a.- mmomes whether may appear - your acarse a the ante You rout-s to does, the scissors or they mom Instated imbommitmemi to your ragas ta cote the mfiatmL This; may sloth I. dharg..ppaerirhp on Vote arms ale you haw your socotse if a se abedy been dosed for example, it y- arAhenbed s putchae horn • rssdnra and we resolve the umseclion flan the memhae offer year tcouht has been closed ' your accost will be ooparod, the stints at me dirge Will be added m your ac-u., and you cod be resoo fibs for papas. H tree I. a msnberNip Us fa yes amtee, ale fme will -W- to be ch.rpad, to the extent poadued by low, call the e-ue b.I.- has been paid in ii . deTsnd above. 7. using Your Aeeted.Your cad or axera -mot be used m correction aim any i t mts gambling rtarsacrkre. 8. Nobee Abotd Electronic Chad conversion, When, you Pmnde • check a payment. you andefte - either to tine inbmudon from your check to stake a one-done .lectrodt kmd tmrosr hem yaw bark sc-une - to prom. the papas me . desk imentmetionn. When we ,lee srormadah from War rirc dmcoke on .karmic fad va,nler, kinds coy b diesels, your bank attars as soon as the saes dry tae m..i- voun psymaR, std your finorriN =.t7 mmsi- your deck back from BILLING RIGHTS SUMMARY Inn Cane Of Em ses Or Ones offs About Yi- Big) If you mink Was big I. wrong, a if you red more hnla-don on e tranmmsl.n or bal, write n o on . separate sheet as soon as pangs n the address for irpJde odors on the fms of this satmnam. we mart hear limn you - late than BO Nye eager we more you the first be an which the srmr or pmbkm appeared. Yo can cog our test mer Restian timber, bat doing m will not preserve your rides. le your letter. f}w oe the fdrowng information, yam nsme and scour number, the dollar ammo .f he ee am me! .now, . dmripllen of the ems and on eplsNtionn. It possible, of M.?snytr you below msm I. an error: or if yom need more fdortn.io, a description of the hen you .R teewe boon. You do rot hew to pay any .moue in question while are .ta it-diva i ng it. but you are tae obligated to pay the pans of You' be Ran a e not In Wooden. While we investigate Veto question, we caner report you as delrrqueng or take any action a tolled the .mare you question. t,t Special Rise F. Credit Cad Pudwm It you hew a pebMn win the quality of property w =,xs that you punreh.sed "In • credit -rd and you tried I. god Tenn to -nos the Prellen w in the merchant, you may hew the right re to pay the remasbg arromm due on the property, a ser4ces.. You hove this $50.00 aid p?umhade xrchasekp.dP in mom then or eswnh a variant 100 mil. of yore me" ddres M we operate the memdiom, or If we male l you the advertisement for the imepany or .rvi-s, off puch.s. e --red ngoidr.s of amt. or Wailen of push...) Please remember to Npn s3 carespo den-. t Does not apply to umsnner nscc-A -d -courts t Does rot apply ro busses conc. & ravel --tor ms Capital One supports sfosnion pd-cy protection: see our websim of www.-phlslone.corn. SZ%One is . mI1y mgimered service mark of Capital endal CoporOf- AN rigims mem-d. 0 2003 Cephal One OILGLBAK to. Gross Prod- You rdt [saes *d,- gore paded of 25 days rdileun frwree drips on new podsses, new bd. ance rnrosn, mw special p mks m s and new a - dtaryss N yw Pay your tall -Nora Saw w. in accordance elm the snportstt Nsdce far payaiams below, and In time for it to be raedtad by yo new stnetsa dosing date. Them s - We- p.dod -ore ad- end apedd tnroleR in adddon, dare is no gr.- period srry tioroamloh if yea do rot pay sh. total 'New It. Aeauknp I- Charge. Traes:uae which ate not sublect to ¦ grace period ore a>®d Breasts dsrpe 71 from the doe of the iraamden or 2) nom the data the transaction is pomased to your Aasrm w 3) fern the first -lend., day of nhe crawnt falling period. Additionally, if you old nor pay the 'New BNaro' ban the Pistil s bis:g period In ItA, irehce Wlges rxstauhe to acouta to r, -paid bal.- teal sus tepid balance is grid in Wl. This metro tie you mmy .0 owe fieee chop.. even if you pay to emir New Balaee iduSCd - the lroa of yom statement by the trod sumomae doing din., but old nor - so for the previous; mall. U p id Frorce changes arc added to the app icable, sopase of your Accours. aainirae Fit- Change. Far each biling p ..d.sNt yore acesae I. •Lbi c to It a- charge. It rsnswsn total HNANCE MARGE of MSG Vii be knposo& If the tall Iirwnea dory. r-*ft Ion the application of you period. rime(s) Is lade shin 4110.150, taw cols abtnact sM .moue tram the $0.60 n lydemen and the dffemose will be billed to the purchase spry[ of your acrwe. 1'd. T.mpaay Ra ludion in Firhw charge. We nerve the fight to not .sent any or el fnnrxe charges la any given bla Period. 2. Avraam, e e, Doa, dhBabb. In.rd b by RrOha.ss a. Finance, charge Is calculated awes of veto the daay assn- of .dh poem of yom a-.comn (e -aft th eta, lerdu.e, .pamal tianhsfsr, sal special been by pt the -rr••P?g to daily you. Mde' emse(s) that has been th e) i% the bak?Tgypa?,w tn de delay and periodic o odic dR. br udgi segment of your .stove to the ddY balance of each xpne t. Than at the sal of the bekg period, wo add up the n rwhe of mere NRy uJIC16 w ardor in padoic fir- Bergs for .. satpharu. we add kp the rents from .h segment u .nit- me the, steel padud. Arun- dtage 1. your .scare. To time the door balance for .ch se0mem of your axe.. we take the btgkrkg balance lot salt seprhent ad add any new tnas.tdont and any periodic 5ntetLe dirge calculated an the pmdos days bone , Iw that sspwwe. We drat subtrom any payments a ererRts posed as of the day that am allocated I. thin sepnent. Ties gihtas w the =11f ay Ddanl- Is mach aepnant of yoor attained.. you psid the New B.A.- shown on you ptariors son -a s hA Ion if your new b.1 - was ten or It cr.k amouhd, new trreaetioe Which pro m War pads. a a. -bouts. the ovem a dally balah- by atldng .0 the e We imagments .. not y tlsiN blarh-s tapuher and calving the mum by the sanber of the days s the cumin baling cycle. To -INae yw total :iron corps. nehiply you average daffy balance by the dally W c t. and by rune nnbr o1 Nye s the berg period. Ow to rourdng on a daily bass, tram may be . aRgie -dace bmwon this talcdoio and the .sore of Iran- Wipe -Ily mem-ed. b. 11 the code Z or N atpeom or, the from of tie aarenhem taxi to 'BNeries Rate Applied To; we mddply the 44275M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. -------------------------------------------------------------- ?t Show Mom your love! Special savings for Capital One* Cardholders! I rrm?- ! on your next purchase when you use Promotion Code C-AP66 501? (See reverse for details) It t W518-563&1793 ave Save this code! Offer good all year long! emember: Mother's Day is Sunday, May 14"' t ' t LOUIS RICE JR A$?? o A?E/OAVQ1?Cf5 7 M t Call 1-800-FLOWERS* (1-800-356-9377) or Click WWWA800flowers.com today. Your florist ofchoice- t.---------------------------------------------------------------------------------------------------a CapitaI GW Account Stemma Previous Balance $502.50 Payments, Credits and Adjustments $25.00 Transactions $98.82 Finance Charges $8.98 New Balance $585.30 Minimum Amount Due $95.30 Payment Due Dare May 11, 2002 Total Credit Line $500 Total AvadaWe Credit $.00 Credit Line for Cash $500 Available Credit for Cash $.00 At your service To 011 Customer Relations or to report a lost w stolen card: 1-SOD-903-3637 For Gee -N- account sa k and :paid customer off , log on w: -capitilone.mm Sind pymenu to: Send inquida to. Atm: Remittance Proeedng Capital One Serrioe Capital Onr Senim P.O. Box 85147 P.O. Box 25015 Rihmond, VA 23276 Rh-d, VA 23295-5015 5201M Capiftdcw GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 Payments, Credits and Adjustments MAR 12 - APR 11, 2002 Page 1 of 1 1 18 MAR ELECTRONIC PAYMENT 112.50- 2 of APR ELECTRONIC PAYMENT 12.50- Transactions 3 13 MAR SHEETZ #201 MECHANICBURG PA $5.00 4 14 MAR OVERLIMIT FEE 29.00 5 14 MAR GIANT FOOD #120 SIB MECHANICSBURG PA 5.16 6 09 APR BALANCE ADJUSTMENT 49.59 7 11 APR MONTHLY MEMBERSHIP FEE 6.00 8 11 APR PAYMENT PROTECTION 1-888-527-6904 5.08 Register today at www.apitalone.com to access your account online Your FREE accec will allow you to pay yore bill online, check your balance and view your st ite_ ent Its quick, easy and secure! F3nmaeeChug. P1,eIw erev eerrid?efori.,oodmaiiJnfermatotr Bdrme pli.& A ? CHARGE .O !te >a PR PURCHASES 9533.99 .05429% 19.80% $8.99 CASH 9.00 .05425% 19.80% $.DO ANNUAL PERCENTAGE RATE applied this Period V PLEASE RETURN PORTION BELOW WITH PAYMENT. 0000000 0 5291151856361793 11 0585300012500085304 New Balance $58530 Minimum Amount Due $8530 Payment Due Date May 11, 2002 Total endosed s r Capital One Bank P.O. Box 85147 Richmond, VA 23276 1111.is 1Ir11LlL..Ii III ll..II lL..fL.JL..IL111111.1 PI «p,;nr.Jam d? /rhm.eegH6rwueF ir,E 19.80% Smrr Apc e Gry Sun ZIP Home Phone Alo- Phone #9010237497863057# MAIL ID NUMBER LOUIS U RICE JR 306 S YORK ST ° MECHANICSBURG PA 17055-6302 N t-a ° 1.111ILrd1111..1.L.LL.II.r.rll.{L....L11111r.lL.rI.LI r Pleare urdt yu acmant monber m ya cberh or mong order made payabk to Capita! One Bank and mail in the eadared envelope Get sweet savings on Mother`s Day gifts for all the moms in your life 1 1-800-FLOWERS.COMO always promises you and all the moms you love: • Freshest flowers artistically designed • Personal service 24/7 for delivery same day, any day • 100% satisfaction and freshness guaranteed • The finest selection of flowers, plants, gift baskets, plush toys, gourmet foods and more • Gifts exclusively designed for 1-800-FLOWERS.COM' by leading brands you trust. i-800 flowersifcom- Your florist of choice. 8 O o O m o ? N 1 on your next purchase when S cVa 5 * you use Promotion Code CAP66 Save this code! Offer good all year long! Call 1-800-FLOWERS* (1-800-356-9377) or Click www.1800floWers.com today! -Exiiusive of applicable smite and slipping charges and tries items may vary and are subject to availability, delivery roles and tune. taem; an be ordered online and by phone only. Offers cannot be combined, may not be available on all products and are subject to restrictions, limitations and blackout periods. Offer valid thxotroh 12131/06. Prices and dmrgeswesu*ct to charV without notice. Void where prohbiled. O 2006 Capital one Services, Inc. capital one is a federally registered service mark Uademafl¢ mentioned herein are solely owned by Veit !espeAne entity. AAN rights reserved. 1 -8WROWEIts is solely responsible for this offer and is not affiliated with Capita One. Capitol One does not provide, endorse, or guarantee any product or service shown here. By responding To this offer, you may be communicating information abort yourself tD 0a company that provides this product-for example, that you are a Cap stall Onecustomer. Cn 20D6 14800-FIOWERS.COM, MG - 1-800-FlDWERS.OOM® use Secure Socket Layer (SSU encryption tedtnologyto secure its websne. bMV period C-laod by this mareeem, we Tike the canpp 6s1/rce of each segment aadr dry, add any new u alwr to each aepnant, std aWlrac ary wl+esss or credits. (If the code N aX-W on the from of ehs stateroom non to -Balrpe Rase Applied To; are also .W1mcr any h.pWd ieree drrp In, ded s the balance =77=) This gives s des dart' be&- of each . add op N the daily bd- for cash esprwm Ill the biting ceded and avid, by the hand s sea mender o1 Nye N des bMV period. This; gives avenge dilly balance of each comes. 3. /usual Pare sntaps Ralr IAfMl1. a. The ta- -Arraad P.C..." Rats- eery appear a APR- - the from of dd. anaeer s. b. 11 The code P (prism). L (3•no. UBOM, C ICerdinm of ONOSi11, or S IBwicard Pd-) appear on she asset .1 vhh mtaurherm nsn To sr padodie rneA. the rams ad corresponding ANMYuI PBICENr RATES maV vary quarterly and may i creave or decree based ea the and I.&- as toad I. TM Wag Skew JoorW, prups the a eqn pedmdy dadas0 as yens These Cianpsss wilt be eftxdve on sea am day of Vote .,.h Covered by your .ThdPd.? ?? ahd.q Iperiod c. It the code D (t-m.. LIBOR) or a 0-rmo. UBOR Repriced Moldy) +Ppa? the irons of you mat- nee ta she peinse mNd, the porimic ass and canoaporh6rp ANWAL PERMITAGE RATS may wry momNy and may Increase or decsss bad on, the stated irh6ps, as foul in TM Wier sector ,osiWet pas the maryrh previously disclosed to you. Ten dseaes p be efMCnve on the ire day of yea bTeO podod each rnerah. a. A.swamard .f Lam, Owfint Mad Rrbned Pmymam F Z ymor accores wen be areal no mom the two of ass fees Fred hem the occur duip wry being period. Under rho Isms of your cartons., somementt vm n serum the del b idle or run to ears any far will-A prior m2siCatiah io without wsiwV wen dye to Garr the saae or aleiar a a sir ems. 5. appears a s o m Yea Acawes. If a asambership o Tie appear the IM of the summons, per heve 30 Nys from the data this o su"aream have such ear eheid Ica yea r vdd camp The fee or s have fee credited To you If you a •el your apcahrm. Ueimg sis Pads, you may ...i.r to Z. T yaw account rdlhell he6V a pay ass rmmMeMip feeo cannl your atiotml, you most nosily Tie by Wine our Customer Ralalf.ra DePareeueTt ad pry taw New Besnm I. kill IaTrilydrlp the mwebesfsp Tie) prior to gas and .f The thin yWy perod B. R Y- Close You Aemurd. you an •aghTala W class your ,ashes by rahlkp acre Chicane- Relstlars lhpsnrnheTe. sou awn destroy you emdl -.Wad ccaum woes deck,. rand A pmah.Mrsd kiuhg. ad ear u I yon ocrswe. R you da not cwhod pmsahdzd helices arrangements, we will rarsiNr Ieeeipt w /crop your auhodzaion to mapsh lyre steoum. Adddwsay. yam account will is ba aired urnfl you pay all amounts you owe s iMrming cry due d. fireis,.ns you he. authorized. filwee daps, pas see oredirrit fees, rnumd payment Tess, cab edvsnca foes .rd wy crier hes acrd to your arxoam. You arc reryornalble M the uhsuohrs wehasar, m sthey ,{pear m yar aCC.Wht "he 4rre you ""a"' dose the account or they sm inorrad tabeepeen u your request to dose The account. This Teary m ok it r "c"' it it Ns already been closed. For sample, u euth ized a puchase from a merchant and we rear the transaction from the mardeam after your ..care has bean clesed, your aaetem will be reopened, tie eastern of the ddwa??g?e wire be added m your accorm, and you vhst be rcapenhalble is aymsm. It there Is a meMwdsp Me for your ._our., The lee will continue m be duped. to the enst permitted by law. Well the accwre bat- hes been paid in bI as dali ed above. 7. Well Yor Aesred.rme card or account carat be .soil in correction wen any Internet gmrnbkV Inerracrsrt E. !Mica Aboa El.u&.,& trek C.-Aar, When yea P.M4 . deck - ay-L you ardndl. Tie either to use idowrhaim from your deck To make . erne.time Wctrmic lead vanssr from your beak Cooled or to pme me the payment as a check transaction When we tae idoenadon tram you deck TO sake an alsurorse kaA vasaair, kids may be witMmwn from your bari account as teen s the same day we mcalve your paynsa, war you will not mcd a your dock back horn your fn-W! Mhut- BILLM W14TS SUMMARY Is Case of Enom Or Oueslas About Your Bill) If you Think you bill is wrap, or if you cad more informedm on a ineamcdon w bar, write to s on a .epame ahem as soon se possible a the address for agiides a- on the from of this stawmare. We must but from you no later than BO days otrn we amen you The firs bat on wNch the error or pablarn append. You can call our Curtner ReMise number, W doing s will nor yy !serve your ripens. In Vote seer, give us des falbwinp inbmudm you came cad .comma m-ber, the tliar amain of the suspected wren, a deacApdm of the error and an tpla etien, If possible, Of wry you believe there Is an error or if you need more khbmation. It dsedgimn of the item you aro unsure about. You do rot hues to pay my auno re in quill en while we an ' aw, M ben you ale alas ofrfiPUd to pay the parts or your eve sm ter s goTdTaT Ywis we sveetegns your ghuesvion, we errs rpm you a de rt a Tike cry acrian m cgaKl sea h.ha.m you arstion. ien 2,t Spedal Mile For crack Card Phee hasse If you have a problem with the quality of property w services That you poedesd with a credit card ad you have tdd in pod With to comes des problem well Ihe akhirq an amour d round due yam an it. t. pltpatY heve 11 right rem to You he e pay hve that s -rvicaa s protection WdY wren the pueheaa nice ecru rows than a50.OD and de purchase w ma6 at your tern sere or within 100 mess of your ow" address. (If we own or opeem she mwdram, a N we maeed you the dvedes.s[ for the property or services, all purchases rsvwad regardless of amoun w location of puroheae.) please remember to sign as con.pwdence. t loos nor apply to rsommsr non-ire W cad --wrs f Doer nor apply ho buttiness nonrnd7 card accounts capital 0- sppm. Information privacy ptmooim: see cur webaile at www.ca C.,nh. capisl One is a y registm.d -,vice mark of capital pTnd One t t Corporation. An V" reserved a O? LSAK t a. areas Period. You will heve . nirt.ea. flaw period of 25 dry, wdthoa rm.nu drupe ea new, pwdeaaa, new balrhea ttansss, new ,pedal taedran and crew edw churpea If V V Y" =Maw ' iStlnrs-• in atsordarce wen Ihe aepaTaT. robe for paymses below, and in Time for IT u be ceded by your ran waw,asm eo.sg date. Tian is no space plod on cash adores and apedm Translem. In add ion, ahem I. no pace period wy trrhnsacrim R you do era pry the rend New balance.' Accruing Funs Charge. Transactions, whicti am nor frttam t?tt date ooca the period am ear 2) free die daa to transaction lie procassed to you Account or 31 Irma des km calendar day of The current blimp period. Addtionalf if you did nit pay the -Nave Bahrae- from Ter pmhaos bM ft period In full, finance cergs continue m access to yax taped beanie -a the up ' balance I. paid To IA. This maws dot you rosy su7 eves a- dares, a- if you pay the arms New Balasrea kldratd on the fist of your maanam by the sled statement doakq dam, bee did not do so for the pravioas month. Unpaid bone imps am added to The applicable sepnse of you Accouter. t c. Weinman File. Quwp. For each baling paid #or your accost is .oiiec to . finance deep, a miih.m twit HNANCE CHARGE of ,0.60 vdi1 be spas.d N sea tad S-- deep na long from she app6calm w you periodic Ms(s) is ass then $O.SO. we oil wbumi that amour from the $0.50 mink- and to diNerente wi be bird m tla paMas spnwe of your atxwe. td. Tsrparsy Reduction s I- Osys. We rseme the dpft io not sass d any or all fiance dares fw low g.- 2. Average OMy tahrea IkwbnGg Mew Frdhssl. o. Finance dare is calcsned by mddpfyihp sea daily balance .1 -on /opera of yar acetrs (e.g.. cash prude-) d.-, purchase. special trasfer, and spatial by the cormaPoedeq daily Pa•ioThe mieW That has been y to you, At The aml at each day the brwppaid, we apply the daily periodic has for each aegmae of your account To sea daily bounce of am* aepnad Than at the and of des biinp ariod, w add up the racers Of these daily rdtmiatiws m .,Ave a Yea psbdc fiance dare for each apnea. We add up sea ro1N periodic milts from each a•guThwuc 1. arrive a the fnemat chap sr Yes armhes. To gas The dNy balcras for each segment of your atxsun4 wit talus the beptrrhp bases I. each amf,mwd aed add any new tranhrdiwe and sb fa That WWrealt, We On to than subarea wry pedp& leanest the cr ddey' payments or cmdh. posed a Of then day that we ar.rJled to that segnet. This gives s the -parse dely balance for each epees of you aoraure. Howa.sr, N you paid the New Balance dawn mn you pmvio• s statement I. its la It yea new bar- was zero or • -dl -.0, raw trarWClions which post b yam pudur apadat poroher aagMa am nit added m she dill Dalanhcec. We calaNte the avemp diy balance by addno Ada daily balance= together and dividing the sum by the Waster of the days in she arum basal; cycle. To cakolne your tmel fi- dharpe, "ZpII y.te swap da%Z.- The dely periodic me acct W The raeribsr of pass Due u must on .,= basis, them may be s ellpm v.d.nce between ese dadon a w sea resmue .t finance charge .-My assead b. 11 The code 2 or N app- nth The from of This sass ant non s -Balnhte Revs Applied To,- vwh eaddply the 5201M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Nlondaythrough Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 24-KT. PLATINUM-PLATED Magnetic Bracelet WITH COPPER Magnetic therapy is said to ... Increase energy a Relieve On a Aaelerate heating Please send me [n 7 %" and/or [n 9" Magnetic Bracelet(s) for plus $3.95 shipping and handling for each, and send to the address shown. Please charge my Capital One• account number. 5291-151 &5696-1793 I anOnriae capital Ones to Toward fit coupon, which nidudsa my acaaua number fording puposas. on my balwt to the cdmvanny that provides lds produel Signature (Valid only with full signature) 299747 Detach at perforation and return in your remittance envelope. FOR LOUIS U RICE JR 306 S YORK ST MECHANICSBURG PA 17055-6302 Capital ow" Account Summary Prmio s Balance 5585.30 Paymenu, Credits and Adjustmenn $132.78 Transactions $54.92 Finance Charges $8.72 New Balance $516.16 Minimum Amount Due $16.16 Payment Due Date June 11, 2002 Total Credit Line $500 Total Available Credit S.00 Credit Line for Cash 5500 Available Credit for Cash S.00 At your service To call Customer Relations or to report a lost or stolen and I-BW-963-3637 For fm onUee account service and special curomer offers, log on to: "ww.apitalonncac Send pap-ta to: Send inquiries to. Arm: Remittance Processing Capital One Services C.pital One Services P.O. Ben 85147 P.O. Bon 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Imoortant Account Information Capital One is a proud sponsor of the American Film Institute i CBS prime-time special presentation - AF1's 100 YEARS-100 PASSIONS. Ifyou love movies, tune in to CBS, Tuesday, June 11 from 8-11 PM (ETIPI) 7-10 PM (CT), as AFI counts down the 100 greatest love stories from the past 100 years of filmmaking. Which of your favorite fdms will be honored? Could it be THE WAY WE WERE, WEST SIDE STORY, CASABLANCA, PRETTY WOMAN, SLEEPLESS IN SEATTLE or another one of your favorites? You'll hart to watch to find out. Don't miss id 4829M GOLD MASTERCARD ACCOUNT 5291-ISIS-5636-1793 Payments, Credits and Adiustmenrs APR 12 - MAY 11, 2002 Page 1 of 1 1 1S APR ELECTRONIC PAYMENT S32.S0- 2 24 APR ADJ- PURCHASE - FINANCE CHARGE .45- 3 24 APR ADJ- PURCHASE - FINANCE CHARGE .67- 4 24 APR ADJ- PURCHASE - FINANCE CHARGE .08- 5 24 APR OVERLIMIT FEE CREDIT 29-00- 6 24 APR OVERLIMIT FEE CREDIT 29.00- 7 25 APR BALANCE ADJUSTMENT 48.58- 8 29 APR ELECTRONIC PAYMENT 12.50- Transactions 9 18 APR MONMOBILIS 09988742 MECHANIC PA $2.00 10 20 APR OVERLIMIT FEE 29.00 11 06 MAY GIANT FOOD On SIS MECHANICSBURG PA 13.44 12 11 MAY MONTHLY MEMBERSHIP FEE 6.00 13 11 MAY PAYMENT PROTECTION 1-888-527-6904 4.48 Finance Charges Pkareuaereaermridefor imfad.,d infra-stt.. B.?..a P..,oI ?^a .p?f lees CHARGE .tar PURCHASES 5535.72 .OS425% 19.80% 88.72 CASH 5.00 .05425% 19.80% 5.00 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. CapitalQne. 0000000 0 5291151856361793 11 0516160012500016168 New Balance $516.16 Minimum Amount Due $16.16 Payment Due Date June 11, 2002 Total enclosed s 19.80% Suea ApL Gay Sere ZIP Home Pb- Al-. Ram #9013237497863054# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 ro 306 S YORK ST Richmond, VA 23276 MECHANICSBURG PA 17055-6302 1 0 1[loll 11ta1L11un1e11u??wllnoil 1rr'tl/l'Inltl'Iln11ll11 Please unite yore armrmt nrmrber on yo ebild or money order grade fayabk to Capitd Oat Al-k and ru tV in tbeenrlared envdofe Pin-prW.dbessd-Zesic1 -,A&. r664 ,rrL r Great look and feel ... 24-KT. PLATINUM-PLATED Usti desip Magnetic Bracelets WITH COPPER Theory of Magnetic Healing it is said that the )magnetic field attracts and repels charged particles in the blood, creating movement and heat Many believe this process helps accelerate healing- Hate)= heard.- Magnetic therapy is used by sports professionals worldwide! sam..um ant, " 24-ICr. P= M is und by sparis worldwide Pttew?id 1501 gams magnets Distin:ine rink design wits gaiezies, eatitual-Plated fink Choice of 7.5" or r link dedgns for both ,mn and Itwnco - •:Sub,= w cm&t approval. MN end D. nvdens add .ppliable- ale to Please aloe 3.5 sad. ha ddivesy Olf r spins to 9D dqc 'Y mush be compkFely a,i%F d auh your Mahn tk Bs dear) or - it wirhia 30 dqs f« 70« money beck. The mesl.ndite farured in Ihi, Ofkr it dieted by J-0 Dina. Inc, which is solely nspostrbk for departs. J-0 Direct, 1«., 7500 Er d is Blvd, k [ads Park, MN 554264519 s tut affil-ad riFh Captd 0- and it soely -pcosibk f i. products and arvrta Gain Not br ore by todi.tirk fitted with ordac p makes. Forestal de5bd11sms and or puestsa ream. Nothing is this coupe should be akin as m eaperm or implied cl.im regarding dr mediol er halrh imps. d rhs Prdu.. 0 71102 lipid nor 5.vim. Inc. G OFF] One it a fedeaNy, ngioz d ser+ia nark. AN Fish. nhsernd g O O m O m cr N psFiO I rate To Obtain the .-rage daily b.1- 1m the bins period rnvned by d" .utemat, we take h baItih I balder of each ael?nas each day, add any new tFaaapati to .act aaphmm std .tad arty peyseers. « tens. Its the rnde N appeaR m em fiom of tilt samots, roue ts -B.brca Roe AppNd To.' we also sdtmd arry urvaid Mutts date Minded OF the bMwce of ads tell ) This give us the dalyr balance at each sepemt. Tlmn, we add up all the dNY bdmtcs? each sepwwt nor tin billing pdud.perdiod. 6w Isanbm as day. n Iha bMV eeOrhe^n Thda e gi ve tin In. of sch • mY blaree . 3. An= Retest (APRs. a. The tense -Mad P-tentage Rove' may appser se 'ART on h fart of this statement. b. N tin code P Film), L (3+a. L1ROR), C (Ceniicase of atmeam rmt? no pesodicc anew, h from of #ft m Faso ad cerneapah - ANNUAL PEACENTAG RAT. may, mmy NNW ndymand . as 1wrd I.I. TIN .- or based on the w .,braes pits the aaryin pmdatdy diednwd to you These rings uAl be </Mcri- m the f t day of your iti seed. Jcowened by your anuary, Ali, ? ah6np July and October. e. N the code D hire), F 11-mo. LISM or G 0-. LIBOR Nepdced mommy) Oppsara M the beer of you asatemsa ear m h pesloac m.W, do pedodlc mee and cornspwrdag ANNUAL PERCENTAGE RAT. my try tsray ad rosy kha ns or deerase based on in. mend dim, as food fe m Wad' Sneer Jounar Ohm the mwgTn gy disclosed to you. Timse, cimmyes efloW mill on the im day of billing Pedod Vout mach mandL a. As tell .11" claim era Reseed Ptyesa I- your m ce"d vW be swot no mom Vert ime of to fees hated bin tint oco r drabs mq Ming parlod under the tams of you Imdomer a0rashers. vse nerarve the Faght to adv. « n« a sa.ou arty lass edthett pdw nmafuton m wih K a.it" atr Fight se area the sane or aknNar at a Inver aims 5. You Ahem[. If • mS b..W fee appeaa on, the hat of this matemser, vat have 30 day. fins the are thin matanaa vses atalsd to you ts avid impria the fee or to have such fs credited to you if you tad your scooter. During Ilia pedod, you may coniWar ts w Your aaaru i rddetut hm nip ts pay the mtsbsrhip fat To card you sccous. you near rreafY s by taMq tar llalaaf i1el D gr%; ma and pay you'New lalanhca- fe si fensihrdirhg h perhod ,rsFiedip sail Pdea to h .d of dw "'an'-d" i. of Ys Cbs l Aeaawa. You am aepam ts doe you -cows by .06 our Customer Daprsesn . You mat destroy Va. caeca udb) and rrour access ducks, cancer as ftatdmWed blim and ms you =!W. o rot tacal Inesta ndcad il cwdd¦r reaept &I., .. ¦Fyou ndmdzaVOn ts Rapan your somses. Addidonally. symr account YA not ?ar? d Pay am tr.n-.dmm you hats ahehaFiead, firhance chmose, past due fee, oveihahk bes, rehuad intonate fees, cash advance las ad aFry Ollmr des sassd ts tar •ccetst you m nspoFUlble for dins testae hafhedar l se oppose M She isarn account 0 Ve date you to or they are Maud sub egr?vd at d you tap®s cps the saxes. This my malt in Wry. ePPeeFirrg an you acet¦s after you he" _ your eorsat N it has almdy been domed Fm ..ample, If you sadmdhd a purdrr firer a merchant and our mcmee she taaeedan from the mmchnt after Yotr -ones less been coaad. Vets toeora wig be naaimmed, the am nt of to drape wi be added to you anssaa, and you vA1 be raNOral, , fer paymaer. N share a a nssM a Ise f« your atsatsa, the fss wi oar mm to b timageq, m the etttam PemiRd by Mw, hash the accrue bd<nca M been pad hi as defined above. 7. Wing Yar Aeamt.Your card OF acraum tarnn be used in coreaaioh rill, any Menat gambl" e. $lolia Alasl Benaieahie Omsk Caarver.iaFa Whan you M'Me a dhal ore Paymm1. You authdze ve either to ink mean base your duck to make • othctkne .Nctmtic dud steamier Iran you bank acco ra or to pumas tin pyseers as a duck vaaactan. when we Yee khfeaaderh feat vote :melt to make an alectteric turd tmsbr, finds may b Mddrawn ban you, be* accou e a soon a the tam day we racatve you ===- nsive your dock back berm BILLING RIGHTS SUMMARY On Gs Of From or Quorum About Your ON) If you tit Vol ter s song. « if you need more kdomursan ore a vsansactitn « fil, write to s m a operate altar se soon as powilds at the address fm .grids sheen on tree least d ties mmemant. We must hear from you se Imar than BO Wyqe area we sore you tne sot bill m which the error er pabldm appeared. You tan call our Oaeear Relations number, but dohs s Wo not redo bet yet Fillies. lag Wr hot=, glue the t amata M the napecrad over, a desedpim of the tenor and an etWaNt If posalhle, of"you befeve tare is an annr, er N you need mom sdomason, a dsaiptim of sot uFSra about. You do nut have to pry any the term you amprt r ,pram Mils ha sse inveatill." it, but y- am ON abiytd ts pay the pans 01 Vohw bill that am not - gasdos wile Fee iwedgm you question, we omet ,sport Vw as dsfrhprsera or take any anion W collect the smart you ghhemierr. t,t Spadal Rule F« credit ISn Pt ease N you have a pablanh with the purity of property OF trim tam you purchased wNh a cradt can and you live ided in god felt to cone: Iha problem with the merchant. you may have she right not to pay the mm.ir:Fg amain[ due s the popery or -mica. You live this protedon only Msas h PunWa was more than $50.00 asd h Outset wet b your honor tame or vhduin too his d yaw m.YMhp addme. 111 hte own er operas the semchaa, er B me mead you d he dvertferrsa sot tin property or arvicea, dl paWss arc covesed aep¦ades o1 tram a location of puree e.) Plese aeeanier to sign all coneeponWnce. t fors nor apply m otom ear ,noncn %* can accounts f Does rot apply b easiest non-varf cad accouter Capful One m roes Intimation pd-Y pronecFion, see our webrhte as wwr. nsan. cm IF 9Z% dal Cq-"- AN rpratrd -ice meta of Calmal aiyac reserved. a 2003 3 03 CNhal One O7LGLBAK t a. Gress Period. You will live i miniature grace podd of 25 days wfema firurce ?arpo now puNmss, aw balance tRalaR, raw yeWl P .. ¦d Mw mama Wages a You paY V^m std -New Salanca ', in accoerrca MM h b,POrnrha Notice for pay.- below, and In time for it to be cm&wd by your near mamement doskg date. There is no guars pedd an tash advances ecapedod and special trmmfera M addteth, them Is no m any trasaNm if you do rml Pay the total "grNew balance. b. Anevrig Fkeame rUharge Tnan.aalotm wNdh ats at eWjea to • grace perloFl are .alined 11- image 1) from rho dins of the vrsactim OF 2) from the Flats the transaction Is ponxaed m your A=ota OF 31 free de firm cslani r day of the amts billing period. AdditianMy, if you dW ants W Y I -New Bslace- taan h paeviets bales ptnriod in fa, firhsrce charges conkate to accrue ts you nspsid be,. teed h unpaid balance is paid In *A: This memo that you my still owe famrKa Wags, Cyan it you pay the arsine Nsw gdmhce idk¦sd m the has : your statenwn by tb nut mtsnhent ctoaknp aloe, bit rid at d. so to he pevhas nmrah. Unpaid Mahar Wags are added to h applipble segment of Vote Accou s. t c. kA:Jaen I CLanP. F. sal, baling po lM amt yetr eccorss is ruble: m • dance Wage. a selnhia¦hrn coal FIMkNCE CHARGE $o of .50 v bet tnpsed If the total firrnca Wage ranting flan h application of you pontodic Rte(s) is less tan $0.50, ham vW Subtract ds[ arms.. Into the 60.50 nidtnum and the difference rill be billed to the Intzhime, so t d. Tarpasey Reinmisn in F fTmge. We reroute the 'Fla to not ssahha terry « sot finharce W got for any gi.esh hi 2. Avers age ihzWmma I ect by Nrdeeeel. a. Rarce co each is c det ny your routdoymip account lh daily balance of ch .agniteOM of b of you e? (e.4. cash by the t puWS) e, turWa. Nodal t dodc and Nbe by the eondatosed oily. At the retold 1M Ins bean am Wligy plod, wet¦ppy the dry dpoioof each day du*V dic ms I. ..h aagmaer c you atmut to h =; ase rot satin apmat. Then at tha ed of thodod, ws add rq the nendns of these dNYy C atioa to arm as you Pedod. bunco chw br aeh sport We add W the raanfts room seen sgman to .1 at the tmal pariodie 61FArhca Wrlie br your arsast. To go the daily balance for each sag n tai of your atxpn[, m take the hoot p balance as adh area t ad add any Whew Iranwcliona sub.= Mace dmrye calc latd an h previous and aapnar. We darn srMOa any day's for that Pay-- OF cadile pond a of amt day th.t era 1*.med to that mvem s. This gives s the ap¦me daily be" I. each segment of your ¦ccoma. Ib -,. if you paid the New Bela ct al- on Your inevias minaret to full la it you balance was zem OF a crests amotsa), new Iraha -- which post to you, purchase or spacial pu Mime seprara ¦m net added to the Wily balances . We CalNme h average daily bal- by ddrg alt he daily Mantes together and dvndinp the sen by she Rembev of the days in the curers baling cycle. To ascul¦te your total inane Wtga. m you average daily balarhhx the daily Period rate and by the asnhbr of day. in err ¦ Pedal. D. to rounding on .dilly bait arm nay be alit/ -dance betee an Ifs =Acton end tin .moue D1 farce W actually mead. b. If the nshda Z or N agpeare m the nett of td. eras mans eat to -Balers. Rest Applied To,- sin multiply the 4829M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 551e0D-01 • MAGAZINE REWARDS CERTIFICATE • Special offer for Wallalleservedfor-. LOUIS U RICE JR 306 S YORK ST Cap&a/QW cardholders MECHANICSBURG PA 17055-6302 5291 1518 5636 1793 Try 3 Magazines RISK-FREE, worth up to $18.50 CONGRATULATIONS: This Certificate entitles you to sample up to 3 DIFFERENT MAGAZINES: RISK FREE, OFFER EXPIRES: AUG. 31, 2002 valued up to the amount sltoxm above. Redeem immediately for 2 months of the magazines of your choice listed on back Any portion of the reward value that remains unused will expire by Aug. 31, 2062. Details on reverse. Complete and return this certificate in your Capital One' credit card payment envelope. 21APFIAR DEPT K AD3 CAPT62 • REPLY IMMEDIATELY • Capital "- GOLD MASTERCARD ACCOUNT MAY 12 - JUN 11, 2oo2 5291-1518-5636-1793 Page 1 of 1 Account Summary Previous Balance $516.16 Payments, Credits and Adjustments $37.50 Transactions (10.31 Finance Charges $8.41 New Balance $497.38 Minimum Amount Due $15.00 Payment Due Date July 11, 2002 Total Credit Line $500 Total Available Credit $2.62 Credit Line for Cash $500 Available Credit for Cash $2.62 At your service To un Clutomer Rdat:mu - I. rq-t a lost or stolen ord: 1-800-903-3637 For Lee online account service and q dal evatomer feet, log on ar waw.eapitJoneam Said paymmu to: Sad ;nquilic to Attn: Ranit=m Prooasing Capiul Onc Swim Cafital One Ser+im P.O. B. SS147 P.O. B. 95015 Richnand, VA 23276 Richmond, VA 23285-5015 Payments, Credits and Adjustments 1 13 MAY ELECTRONIC PAYMENT $11.50- 2 24 MAY ELECTRONIC PAYMENT 12.50- 3 10 JUN ELECTRONIC PAYMENT 11.50- Transactions 4 11 JUN MONTHLY MEMBERSHIP FEE 5 11 JUN PAYMENT PROTECTION 1-888-527-6904 $6.00 4.31 e n fm f aar rmance Chaig. PUM Jar rPLO J.kfri '*Wtan r f m adnY k Period[ CO1a?'!r d ? ? }??, -Nt ?1 ?7 yt} { CHARGI ?Yla, rd[ EYX PURCHASES 5499.87 .05425% 19.80% 58.41 CASH $.Do .0542S% NAM S.DD ANNUAL PERCENTAGE RATE applied this period 19.80% 8942M PLEASE RETURN PORTION BELOW WITH PAYMENT. V CapitalOne' 0000000 0 5291151856361793 11 0497380012500015004 pk-p-f A-,. -g New Balance $49738 Minimum Amount Due $15.00 Sues Apc 4 - Payment Due Date July 11, 2002 Gq Sm. 9P Total enclosed f - Home Phone Allecmlc Phone 59016337497863059# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 a ?a 306 S YORK ST Richmond, VA 23276 MECHANICSBURG PA 17055-6302 I11'III II?IIt'I $'111'1 I'11I'111'?111I'I r1f 1111"I11"IIII?IIII ? ? '111'I?It1"'1111'1'11'1'IIIf III II'1"Itlll'II'?iill"111'I?1' Ph- write yalc-,went number -.r- eh" or money -Aar saa& j*nyabk to Cerpital OneB=k and mail in the enrkted-dope Special cdor -7--- Enjoy up to 3 Magazines Risk-Free! CW Select up to 3 magazines Risk-FREE for 60 days by putting a (q) in the box next to each magazine you want cardholders; Detach and mail this certificate in your Capital One credit card payment envelope- Reflects to =a* up to (3) RISK-Riff far W days. Wow you're dwe ordDyfup year Rbt•Frse laws, pow ssesay8w(s) wm auhuTO.. be reword at Out plot and Invas Wall is this slim (YwhOq year rtdl-lees lasses) and lbw awlm.4 at atclars" sat. WO IN bell w to 1111oP. We'll slwply charge yaw Caplhl One onsill cod amma* at the bw rah Ow is died. wd yw will shays foite claw udkaRN behind my Mlllap alma. d Norse, year oaf navel at any time wd regain a ht fetid icr all notlld Meta. I drtorQ! Cspaal Ow To forted This mupm. which Ihchrdes ny actvut rents for bing purposes, on my bahall b Tiae D'wd Vardunir, Inc., which provides This oat. 'All toms krbtde Sreca0wt. 11 The o Popular Scien:02 34726 NSKiW $S.68 S20 A5818 o Real simph/10 336ZT NOME $4.88 $20 A5826 o Southern Aoxub6 SMT 88868E $4_58 _ O SaWham I.iris02 35926 111111M $5.88 $27 A5867 $28 A5875 ? Spark thskatedp52 118e:n6 YsifNff $6.01 $39 A5834 o SPhk III a. Far IOds/1334&:5T MK-M $4.58 o Spurts Illicit. WonmVlo 375A6 18Qf8E SSA $27 A5859 $15 A5842 o sonsst/12 34726 M 4M $3.58 $21 A5883 O Teen People/1D 32056 111111iIIIIIIIE $3.50 $16 A5891 o This Did Haae/1 D 329:16 IMAM $4.08 $20 A5909 O Ttme56 572t20 18><6F8ff $6.00 $39 A5917 E3 Travel . LeisW2 354:06 18K8-F8E 55.08 $29 A5925 8 0 O or m ? O b ¢ n Yew Yaw Cover allay Reward Term Cover tartar Rermd Tenn MagarioeAssues- Price Price Value Price Code f Mallazine/Issues- Price Price Valne Price Code l O 8esiwa 2.0112 347:90' Mg-M $2.58 $15 A5693 o Ceasw Lhha016 32"T 8 E-M $3.08 $18 AM O Cobkio8 Li8kU11 O6lwhhoodVaIly154 342:81 M* M $4.88 SM-4 N88-M Will $21 A5719 $39 A5727 O Food 6 Winldl2 347:86 W-off $6.88 $36 A5735 O FmhsN13 0 sell Malaudoa t2 364:5/ M194M $6.58 44H T i[41H $3.50 520 A5743 $21) A5750 13 HeaW10 329:96 M-M $4.08 $18 A5768 O Mae03 36"r MS[-W $4.00 $24 A5776 o Mukal FmmkM2 335:86 NlfNE $2.511 $15 A5784 O Parardi"n0 3+<9:s6 EM-M $3.00 $15 A5792 o People a Fspa8oV10 %4:96 =40E $2-50 $12 A58M are Of nM-ode vet aware tr Vary aopom your magi tna 1. udeavrabla, we hwa Deed Venkrs' racdq d order. By respuhdrg b a Capl W Orr nabmsr. .e. we nscahw a corrected a"- warn two Veer. ft' GepW (Mr rary s edr std is mica ea c. / may be For khpriries. neay be mneheniufirg 1. How To Auld A F Charge, - - - period. rate. To obran he average daily balance for the your nrccohsnt N h hs akaedy been dosed For example, to. orwe Prod. You grid here • minimum 9raha period Of bparg period nowred by Thai nwenra, we uke the rt you arrdhohhed a Pwdhaae from a mardhsm and we 25 dap without fierce drrpa an new phxcrae, new bepka bWnce of e..h wprwa each day, add wry new maim the careectiun hone tam nesrdhwa ohm your raw apaciel pudusu seed hew atlrr balarhea Ira hula same fe each w?rwr end s bee cl -P-VT- a¢aaa lee been doaa4 yew aeamut we- be raapered. Wgs If yaw w lard ". et ant lade N tram o1 ties " the smart of the Charge wi be added to you accwar I ra e we lso AKwway aen to "BWTo, and you ww be rlglrhdhe car pslanaa. H them is a srttraa wry firwhs: fn the acs mehtodip Tee for yaw aaraur, tic lee ww raakhhr NII of tech I The puree us the dWy balance of each to be drrasd, W tM seam peeninsd bV law, aail te al ra n sdd6wn, these h ro Wau peded sepr.sa. Tien re add rq M tic day balances for each accara Ealarce has been peed in has as dcf..d ale-. m try tracwaafon if you N rw pay tic IDtal "New savors I- tic bang plod and .vide by The tool 7. Usig Your Aamr.nLY- acrd or accam Camel be balwce.• nhater o1 days in the Dries paf rd- thr gives is the wish a kaema gambfkg ny ud inrzr se b. Aauukg Fb- claws. Tmneaairha wiidh ere nor usage day W Whm.1 tad. fas-. E u imt ere asaised firrnc?: dupe 11 arhbj m , pe es pe ect Ariod 1 3. ad Pwa.ra.ge Raw TAPIR M m W i ..at rararaabn. wnm yw B. Nal ice Ahwl B.dreh:e ta F a ction a 2) hen the dace a Me o f dm 1 ant ic c a. The hew "Amid Petcaaape Roe' rwY appears e' po ft Po rfcle • dhsdt w parere. you aurhorixe w tither to Transaction, is prouewd to your Account a 3) can de APR" m dice lrorr of dew awo hone use f u Vow, TO make • am time find celardar day of the nerve basing period Additionally, IT. If de- code P (Pare), L 13+to, UWRI, C (Goff-M of m vie airrickf nd Transfer e lac tar eel Inch to w bank SCODI if you did rot pay The -Now Belacw' from to Petfae Deposit', w 5 (Bainkutd fad a) appeam an the fors of row t check ums ,firm. a pnacess the psymam w a dock nansaction Whm we Wdkg Paled in tug, W- W.ps rawkee to adxne to des staenrm non m The pmrio6c meal, the peNdc nee L.TO.n..ahbrh Irom yohrt tirr2 m make an Nnctraric you unpaid balance was the utaid be a nce is paid in Tura. rotas and careepvh6h9 ANM/AL PERCERIA6E MTES fund tmefer. tend. may he widdawn /can your be* This whhwr dw you hear sew an- 6rnarcs hinges. area it you Pay the amen New Balan.u khdeatad m the tree of may wry quannly a W may b oas a decmaae based the ahead khdces, w feed an Ike Way Sbwr accoup ea sum ea IM seem day wo -.I- yea paymrr.. and you wi rw aecel- your deck timer, from aw ndsmam by The rhea watan.aa chmi g Mir, bur rid your s me Jcamgwt pus the omgih pevieehy dsalwaid m you. Your bhwdal hwhar lam m lth Peuiohs --#L lkiPad a- dupes do I. e Thus harrges wit be efka.tive on to fiat day of your am added m the appuc ble w?rare of yorr Aecourno dig panel havered by Year Dreaa6e --- entfirg BILLNG RIGHTS SUMMARY tc. kRrkaan Fwar- Cswgw. For each baling period Uhsl dro made Jamwry, Apra, k and Oaeber. fn Gee of Erem Ot Umrtims Aber You Bill your :.coact h aAitct To a here charge. a ninrkrrun c. H Te code D ?rirhe), F f l-mo. LROR) w O (3- H you tfrm yaw law h wro a, err if you reed mom total RNANCE CHARGE o1 00.50 ww be kmpaaod H dm LIBOR Ryriud Mmmey) appeam an the Tried of your inbrraim m a varuactian or has, welt to hs on e Taal Ara nu charge -it" ham it- application of your we we- ..b.- dmx tl. 80 50 sh) h l bcl stnme me now to tins paria6c mew. dm periodic ales end -opuhdi g AW&FAL P'OICDIFAGE HATES may mpame Ynr as aoorh a possible d Hr addnaa for .0.1ies ehmwm on the fee of dig dalmwa. We moat eas , p,sr c ra . amass from the 10.50 neYdrrrm and the dlleerrce with wry nemMy and may khnewe r deraMw based m the hear from you no later then [b alp after we sand you it* Naar! TO dm pwd.aw aeprwa d your acccera. Owed indi-, as bud n The Wad S~ Jonah 1, ITT. amt bed on which the error w probligain appeared. You un t it. Ternpawy Reduction in F- Charlie. We reserve the the neargn peNOtslY 6rdwed m you. Throw, cfhshges Te d, ca cr C atawar Rolwarre rewbW. but dofna w wig rw right to ricer dues any w a finance dehgea for arty give will h of active an the that day of yea billing pen" Pheeerhe Yaw ripHa. M Yew Idler. ytm w the tdbwirq Wang p.,k.L each mwah. kdranatbrc Yew wtre ad eccoua Holm, tic coder 2. Average Daly Balahua OncluSag New Phrchuwl. 4. Astaawwa or Leh, Overarm and Rabanad payment I-. arrroaa o1 Vr suspected error, a daacripdm of The error a. RrwhR Wipe Is uhaMSd by raddPlYng tic day Your accaaa win be aHaved no acme Ten nor of the tees and w e planedon, It pprde, of My you bake- them is i balance o1 seYh wpmoa A Yaw a..ah/a fir-W. oah roved hem dal a.aa drag Tory W6g period Ural. The an tow; w H you need rose indomaaon, a desct !on of ad-, phrWw, apadal -I-. end spedal pwdmw) tame or your automer = i =141=* = tham you are uric abou. You N not h4 - pay any by To ewcespah6g dally periodic rna(sl tM Its ham . ' rot m asses w11 11 :n gawtiah walla we- ere kwedq , be- you it. of each day dieft our dgr m ores Vm ome or sindlar his that am not *I your ? y ' Tie hllknp aye +PPW dWY ache for each the ugmrera of yaw camel m the Mayrs Mara of each ri dd ri h d f er d Th l h Peas a[ a Ida tine. 5.-rRmarrkhe Your Aehsuf. R a rndobetdep he ears m am tram of Uis sTderaarc w have 30 a Pmmws 1Mme we i ^sestrPm uwh, we react Wea tePw[ you s tYitaudn w talc dry acdan m collect the aneaaa YOU quewimL , we a p o r o "ear"n. en at t e s ah0 pa r the rents Of these clay cwmdwdae to am- d yoN , Y pp dap Inne tM dna Vhis sumohwa wo ceded to you to parfodc nrwhcs Wipe for each aearnrn. We adcl tea tine peyig The Na or to hve s ch he mcha d to you i.'r Spa" (i4 Fa Crack Card PuWSs MA reudu nom each aegmam m anew a the periodic if you if yw tercel your sccmra. Draping this period, you may drrnra Wipe for Ycerr atxaua. To pet the Nay baanu _w_ m re Yam accord wwhaa haMrg to pay Tie If you Iew a prohlen with The quality .1 property or tor each sgmerrr w you accara, re take dr bspreinp meraDwwip 1tm- To nroel your a®taa, you mad aervicas T1w pct phatirsed win • .refit oe aed you balance tine each sepraaa ad add meryy Tre eaWam mdae e canceled an the d df fi em d notify w by canna our Chwosw flddfae Department New Balahcs" in tV temiudnp it. have tried in good fifth m cnrect Vie pmblern with Tie p achy pa . rwvm y an o We Than subtract dry Nys hWhcw Ion dm wpnem ell price m the ed of the shiny-day rmdod ==- merchant, you way h- the rigs net to pay the remaining rn al You he this e or aani s on th . payments or cants pawed as of 1M NY that are aerated bdan Thi h d il 6. N Two Lbw Your Aemud. You tan request to claw canin ow Ctwomd fbtaTee awwr scrap b ee,er e e p p" ce . w protection oniv mica Vm pudeee price was awe Ten s gvs w t u to that segment. e spame a y tw each Segment or your account. H~-, N you paid he g y yy Depamw& You hew dew" yaw Gent canKS) and 850.00 rid dm your harm state or within 100 nines M View rrrsNrg addaa Of we own w New Balance shown on your firewater; suharwa In 101 (w accohaa exec dh-ft, carh.W M pmaudodz d bill", operate the metdent, or H we nhaasd You The if you raw balance ors zee w IT aedd emastl, new and coaae you accwut H you do rs cancel act arasahrsral far the property or aarvices. Ml purdmss tramadkM whim paw m you purchase or special pnsstlrwixaa artegs.ws, we will cawid r an cawed regarmew, of wraaa w button of precast.) purchase ear- ere rot addedm the daily bah-' We recelP cT s doge year eatedraten m mapen your Pie- remember m aign d mm.pord-. ubadne the aterape day belwo by adding a the day accasa. AddltlceaaY, eau arses mica na h dozed planes to(relmr arhd nwnnp Ito sun by the rater of udd you pay as amwds eau cam w nduting: mY -r Dote- ear apply t mrnsre.er rmntreow -11 acconans ,he day. n the saran big type. To uhaLm your mtal I'-- Wipe. neuhiply your storage dairy Dahwace by Tie trawctiwe ym h- nrtlhwited, errs Wipes. paw due hew. o-rGrhit faea, mtrrrmd payrmm hew. uah t Does nor apply a buaixa ronrndn card wcants daily periodic we and by the number of Np n the basis advmu fie and awry odor teea aseaswd to your period. Dow to raedng on a flay bash. Tea may be IT OWN -dance between Vise ulodefon and tic anon of accaw. Ypu see reNemte Tor View wrhouas wdhedmr They appear on You a nmr at the tkw you request To Capital One tsppons -formation P V-y praawxion: see ou irks a charge anuay, sseoed b. If the ode 2 on N appear m the fmm of ft. staterhuwa des the aawne or dairy are koamd ataepmm to your request m dine the a.ca.nr. This may rearJt in -b-ha d ww.v. alam.rnn. Capital Ohre h a My ragweed wrvf.e mark of Capital ran m •Balan.e Rate APPSed Tore nedtipy tic ..a._ w.n.. w-n-..... w., ..........ell.. W ? eppeekg m =.=.h ym h- ..,. .a x,..,vwre - tta rwrherim M Qne fxhehdal CorpwMion. At dgae r-rved. 0 2003 Capital One Ol LGLBAK R942M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Nbnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. A SPECIAL OFFER FOR CapitalOW* CARDHOLDERS VALUED CARDHOLDER Rewards Coupon ISSUED TO: LOUIS U RICE JR 306 S YORK ST MECHANICSBURG PA 17055-6302 WW UM Appohitmmt Books The new 2003 Appointment Book's spacious week-in-view calendar pro- vides plenty of room for all of your appointments, reminders, birthdays and anniversaries. The fkxtbk 2003 pocket diary is the perfect companion---take it everywhere you go. Regularly laud at $24.95 and $14.95-now only $5! Montefiore°Floe Waiting Instruments You've seen prestigious pens like these in stores selling for $65 or mots These are backed by the Montefiore Lifetime Guarantee! At only $5 each, you can own The World's Best Pen err The World's Best Price. Capita?One- Account S Previous Balance $49738 Payments, Credits and Adjusnnens $25.00 Transactions $106.19 Finance Charges $8.94 New Balaar• $587.51 Minimum Amount Due $87.51 Payment Due Date August 10, 2002 Total Credit Line $SOD Total Available Credit $.00 Credit Line for Cash $500 Available Credit for Cash $.00 At your service To caU Customer Rdations or to report a lost or stolen eard: 1-SM-903-3637 For free onlinc account service and special onnoaw offas, log m to: -capitslonaaom Send paymam to: Sad inquiries trc Attn: Rernitw,oe Prooasing Capital One Sasi- Capital One Sam P.O. Boa 85147 P.O. Boa 85015 Richmond, VA 23276 Rchmond, VA23285-5015 GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 Payments, Credits and Adl C1SC JUN 12 -JUL 11, 2002 Page 1 of 1 1 24 JUN 2 08 JUL Transactions ELECTRONIC PAYMENT ELECTRONIC PAYMENT $12.50- 12.50- 3 12 JUN GIANT FOOD #120 SIB MECHANICSBURG PA $12.61 4 14JUN OVERLIMIT FEE 29.00 S 26 JUN GIANT FOOD #120 SIB MECHANICSBURG PA 8.37 6 28JUN SHEETZ4201 MECHANICBURG PA 16.85 7 07JUL SHEETZ*201 MECHANICBURG PA 3.8.83 8 07 JUL DICK BLICKSW4471892 LEMOYNE 9A3 9 11 JUL MONTHLY MEMBERSHIP FEE 6.00 10 11 JUL PAYMENT PROTECTION 1-888-527-6904 5.10 Finance Charges Please see resnsesidefw iwportarrt iaformatioa B.LIaa Ak P irw C_ ARE "&im d. PURCHASES $54937 05425% 19.50% $6.94 CASH 5.00 .05425% 19.80% s-00 ANNUAL PERCENTAGE RATE applied this period 19-80% 9163M 1, ? PLEASE RETURN PORTION BELOW WT1T7 PAYMENT. 7 Caplta/oWa 0000000 0 5291151856361793 11 0587510012500087518 New Balance $587.51 Minimum Amount Due $8751 Paymen Due Date Total enclosed $ Atrgsat 10, 2002 ? city Sun ZIP Home Phoar Almnae Ph.- #9019337497863056# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 306 S YOM( ST Richmond, VA 23276 MECHANICSBURG PA 17055-6302 rn 1 1111 o f ?u H?r??nr?r??nr?Nisa??ur 1111.11-11119111 tt1ur11u lilt. III urI P k m e %w Irj r a w a a m o r t rrrrmber onyow c W err m o n e y o r d e r m a d e p a y a b l e t o Q l a i t a f Owlta ti a ldmail is the mrksedenvelope Pker.i.r.li.ao6mga, drbmav:vgi6nwN.d orf Soso AP- 1 r Please Mend me the items I have iodiared I will pay 55.00' Bardboood Appoiodst Book Fkxibk Patted Diary for each book/pea Y I choose to tnoaograin, l will pay as • Desk-sized 7y.• x Y, 200 pages • Sim 3). x 6'1.',160 papa additional $3.75 for each book and $1.50 far each pea. • Black coyer with pall embosslflp • Black COaer with gold embossing ' • Gold same bookmak ribbon • GM smin bookmark 111 Send mysekie5ons m: • fHnwsad rdereflra ildortlemml • PnoPoetiee mall cornea 1.0[JIS U RICE A • A dMerod American brief • Weft apponbnmt spn®ds 306 S YORK ST des*kftn featured each mond • thedrl wh rake inh, 1, MECHANICSBURG PA, 17055-6302 • Full color craps of the weld • Paled for handbag or I i I • Re job ry sells tar $24.85 • Regday sells fer 51195 Please charge my Capital Ones account number: 52911518 56361793 signature (Valid mly will fall saprr-) I mho- Gpiul One to fovrd 4. -wpm w cry behalf to die onorany Fla ppddee iii product. Detach at pesforatioa and return in your remittance envelope. MONOGRAM R! Add op to three initials. S JR einstily embossed on your Apparflaeot Books. Pbcka 13-im, and fbr. A Sat mvrh for 6ihs! Appambo at Boat & Packet Diary--odp S M each CHECK ON& I. 3s-' "I ? Appol amost Beet & r dgatpM-IS: Podrd Dier3 Set 3175176/ baliae e is 31." ere Appointmost(look 33161-795 P-Im Diary 33779•fa1 OrArAddkiow& as Gks 6r Faify Mee Friedr--41I5M FaA • Appmasaat Ra."Iuv May`t----- ?13a1 I • Pocket Di.y-live MM-_37629 frm,_G&mk, k 1 Q SPIXIaL 00=1 Chad ere as aum6uty nude rev Widaal9 Gels year r pee air rr prx.sad 0 iny ta6 a.mea enny year Modef vre Fise Wrung losromrr • Empflotnl quality, SW, and caaflsmamhip • Classic design, sva1la61 e in Rollerbal or Balpofd styles • Color droll of black, bcugufdy marble or blue marble • Sold brain & rich medal finish wfhh golikone alxmts • Preoisey balanced for the nicest comfortable Iled • FREE plc bar with every BallpoirNRolbc4al self Raspdnt Pen-45^ Roleiba0 Pet,-sSaB De7Ca1POON ?' Catrf7rdx BL3 Bar, Bass ops-il Mwpar Baapaid & - - - Reiakul SEf e MWTWr - - 47D1"M i im P. B - - - a pa - 47CM-M Raaaahsl FOR - - - 4'M3.100 -wamsrrdtrsataar•rre?srr.rm as,errerrrsrr•raesaa.s.errsny o.rs+?rorrus:r.iatm.r•ars.rcrk.rrasrrPr etwrrtaorcaws sa.pers.sariyel.rmdr.rAr rVt?r. y.sararrrr.t«?r.?+mgrrrrr..cma+rrem.y.rr cirri. 0- eeescar:avrr?ir?:oars.rerrws??ae?iarot?srioa?s..rir`umis?a'?r ?iirtr°?s?i+sa?mtr i`rrctysrni. CIS, N ft- b"- balrca d each a.grhsa rdm dry, add wry new ryaaaime an saclr a r-M and ib/mra cry Pay- m aedka. of the ends N a"- - 1M Irma d tie •rrirra .. -Bal- Irsa Andled To.' ve also substrates any unpaid irrwlca . - Included r to balance at ids germ. ) TN. gives us the daily bsatee of each T m, we am w r the biacea per each to bill" -a- at nrya in 0. oiniv°paaral twtl Tfm y- - a. insitage daily balance Of .. h -W- 3. Antiwar P-mrs ag. Rate IAFRL . t. The taw 'Annual Pstraaage Roe my sipper pee 'APR' m tM ftaa of thi. atatrnrt b. N da coda P fPireL L 13•rru. US=. C 410em6nsa Of oapoiq.-tar S IBnkoad Priid appose an liar final of des rarmeta ran to tM Pedodc rater), Me psdoAe met and conesmndap ANNWL PBICENfAOE RA may very *at Fasy hoeaw OF dacmre based an the salad Indli ea, as lord OF TM Wig Sam =. his its maps nrsviady dad=11 sa omgr vi ba .rich-mare d you Oainp Y yAp?a periodic ss ? -ding , July and c it tis cad. D fin iw), F 0- UBOm or 6 a!- UBOR Misdeed MmMy1 +ppaats m tha hens d yin sawais man to the parade -Z' due asdode Mena and mrmspwdnp ANMUAL POICENTAGE T6 may very t-id 6, and may I ncreae, a dsaers bard an tie visual Indian, r found at 7hs W r Sum J -1-K pis de nsanpnn paevl.ndy dKM=d so you. Thar dmom wr he effective an the am day of your biieg pried ash rev 6. .1 ar ees Late. ?`d no Beaman pars of I ft Year Yo wee" . ere a be arered no case than tlr d tine ter fisom lee Your Moan da .try blip period- bads the ? of yours aserm an strapcast irradiate vat roaans t outirsirms vnr rips fo ve or cos as Mauro y haa s vrlrhon prior nrd Faro to you Wires vasiving a per nuts an errs tie sea W a aialrr fir ri Isaar er lame. 5.tM i a Ya Amass. N ot-L you day. as an the lea d d" i t you have 30 elan linen tie data 11 his him s wr ntrW a you avoid paying o if you do your fise a cr es ba During in ccdsa m you T you carsod ytar During this periood, you Roy confirm . w iw r TO &mou w cancel you, account Mvhhp you to ply the noti rig our Cult Rdatia DOPOes ar and = few Brims' rn full 4eawdug its 6. N You Cma w AA...u.. Yri can mqua t ft drass y.rr access by min- per C_ Rslatrns Department. You chum destroy, ttons rases candid and acsosas accom dsdu, eared all pms•ns4ad blip, and ram 'nh- y[r account- R you do not .roll pnawrr - hi'1- -spans ors, M wA colrder 1nas. Add on0y, Your account vA ?d?account. d udn you pay an amours you owe r rdudng cry h...:6 a year Mae aedhor@W, frarce dirges, past due for, o-&am fee, rsurad proem rest, cash ad- fee and any offer far so-seed in yar acsmaa. Yw am refpaialble for mse anstai is w/aater my "*am an year matter Or to iftm don =cut" or it" an incurred s6 qua d ? p to you mess sa rir. it. acmeas. This may sWt in dept appearing on You account after you haw _ your accoua R it has •mady, boar Urcd. F. ..angle. If yw aWedred a putdase I- a mO,.h- and ve recaive Oe mossesrm I- Fire merdam alai yrr ao n tam bean siaaa . yeta secant We be raaperad, tha aaeu s Of the deice will be added to you account, rn you wA he nespwlbr hH ayn rn. If them In a nsntbst•rp be for your accolas, the Ir vial moths. to be deryad. to the exists amdttad by law, Ind the account balmlm hen been aid in het as defined above. 7. using Your A-F-1LYou cad m ac-aurr cannot be coca o correction vdn any aremet ganblrng 8. Nolie. About BaAmrfo Dark Dawaalam. Wthen you pmvida a deck r aMnae, yeti a short,. us enter In use ntmmallml flan yon aleck to eke A -f- electronic fund transfer front yon bank Account or to IF -the P?Vnsw r a check transaction. VAM vm taw we.MWrl from your creek to Intake an shearradc lead us-for, fade may be vathd.vm tram Vora bank account r Mien r de same day rm -.ve yrar ayesm, and you we Far Facer- you cieek back fnum your financial inedualmh. BILUNG MGM SUMMARY IM Cane Of Erma Or Ouesions Abed Your Bill) if you deli nor be I. -ag, or if you need nude afowadma an a transaction OF be, write to ea an a warm ales as soon r possible ri tha address for inquiries shown an Vs fiat of ads riatam9nt. We must hNu from nor W War thin BO days aha rm wen you ft art Oi on wlich tM ma' a pnoblarn apeamd. You can cam os Cmramr Ralsdwu camber, IOA do no w we not prrar- year rlprs. m In nor Isn, gal- r the r0a0wnng into amen of t amen of the you suspected and . a description of tls the e error err, a crfptfm m and an explanation, N possible, of why you = Vam la an .nor, or if vent rend amre imomadah, a dar;ripron of the icon you em asue bout. You de rat have to ay any amass in gmation vrhda cos an investigating it. but you am per aeigatad to ay Oe aces of you I" set .m not n Ips i leer w IhvaWgate you ti-ion. vm cannot report you r deiglra a rake arty action to rwaect the amoura you question. t,t Special Rue For Cleft Card Rhses If you have ¦ pmblr. with tita quality of progeny or serviem Vat ymi purchased Widh a trod( cam and you ham tded in good lairs to correct 1ha problem vsm the madet, you nary Mve she doe ram to ay the remaking amass due on dr property or services. You Farm die pmacdmm Only whoa tie piseAaw price ma more than 450.00 and tha pedsae cow mada in Your from cafe ot vnfddn too .0s or of year ntaeng addmw. In v e own or opera die nuencos, or It we maned you the advsNaraam for dK property or wrviess, all purdsar rc covered mwrd m of amault or location of Peadtase.) Prow rananlm as sign .4 .o espo denim. t a. at- Parsd. You cola law a wr imin gam period I 25 days Wtlaw franc. Miry. m new pmdmws, new bNalm trasrm, raw spacial pudsases and nwr adar o ?- O m vi r N t Doc not apply s caawrar non-crwb cad accents t Don not apply s bteamw --W card acts Capitol One mapats Information privacy protection: see our vvdhim s -.capk l-.car. Capital On. s ape. r.glawrod sevice mad of Capital 0-R enciaf AN rights reserved. 0 2003 Csptal one OILGLBAK charges; N you ay Your told 'Mew Balarei , n scmrdarce War IM MnpOnranR Naiee for Mysteries bd-. and I. tins Ir it W be cradled by your ran staenmsrs dosing date. There h ro cram periW 1 csala advwhra and ape - inmre. r addition, tierce no gum period on try transaction if you de not ay tins and 'New balance.' b. AoauiqFYas lrmape. Tamactiora w4sco se nor t from Firer date at the oransecrimi 2) front the dam The iralsaalen Is pnoeasW to Yea A- or 3) fens the fie calendar day of th. c rrma harp period Additionally. if you rid not ay tine 'New Balnree' trim drepmalar being prlpd I. toll, arena. ch.M. o-it- to atone to yywourr unpaid bsanm me re unpaid balance is aid in M. Tprl tnesras the X' marr sal cow 11- tag. even if you pey tis antiNew B.l.res IdcatW co the hid of y Oo sriFar for do ?s by previous t Mares, charges ere added to the applicable sepsom of you Acenun. t c. Mar t- Fit-- Grp. For Mach It" periW tlo you attars r .collect u • a,- cramp, • ifnkrrn tend FINANCE CNAR6E of 60.50 vela be ispeaW. If the trd finance Bergs resulting from do application of you pedodc star(s) is leas then $0.50. vie will saved that amass hen the 40.50 mdrirm and tha ckfi ca we be heed at the pach.ae wpriatr d wen e¢aus. t d. Tripmwy Redumkn in F Grga. yya rwmve it. act ui not - any OF i S arse ch•gr 1m mry given 2. Avetp Dray gabs. IYwYi?q New NrdraM- A. Rance charge Is mlad•sdd M rmsdAYlg its daily Mares Of rch r- of your account (e.g.. cast ad-, pndarr, special tmslar, and agadi paces.) by tha ennrpiradrg dally periodic rands) tie Inrsyrter m lam predisclosed to viously we appy the ditty pperiame M 6r d= apparent of your amour W the balaroe d atlr aagoent. Than OF the end ol the It, pydod..ve add up 0. mslu Of time dally calculations OF tad- OF Visa period. flarca dare for each aagaas. We odd up tha mess, from each sagalss to arrive 0 tba tend pedodc starroe charge io your atxorr. To ON the belallm for each watt mill of you.acaus, vm take the Mar ce for each segment and add any, nnaleaWocs end any p d dic fnancce eierge rMm1mW r the previous day's baWhca fm dart rsgmas. We than subunits any ayrnmss in cmdts postal as of that day thin a allocated to that segment. TNS gKW r the separate daily Warce its each asp For of your amass. Mowsvs, R you aid the New Balarce ally m Vasa Movie- stmonem in hf far if your row Manor wr rem W a cult aamaal, raw transm wbldh per to your purchase or special purdhese [.gems am at adrd 10 the daay bit-. We calculate the averate dMy bran by adding as the dally Marrow together and dridrq the fun by tie nswem d ,he day. I. the cwret being cycle. To calculate your tear 11- dnergs, mrldAyy tour .-wage daily bd.nr by tha dally pariode nn aced by tha number of day. in tha blip period. Due w muhdng on a dairy bale, dam may be a shpt vedarrm between tNa ealolslm and the ermn of inaecmce tierp acttiMy esteasad. h. m tie coda Z m N appear m the Toms Of Ws saanent nen to 'Basrme Rate Applied To,' we multiply the 9163M Important Notice: Your payment will be credited to your account as of the date we receive itr provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Capita/Ql• W2 Why does good re it Count? • Employers check credit references before hiring new people. • Banks and leasing companies often base the interest rate they offer you on your credit rating. • Achieving life goals such as buying a new car or owning your own home are facilitated by good credit. • Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you around for a long time. 002-1001 capitalOw" Account Sum Previous Balance $587-51 Payments, Credits and Adjustments $1250 Transaction $86.43 Fiance Charges $10.60 New Balance $672.04 Minimum Amount Due $172.04 Payment Due Date September 11, 2002 Total Credit Line $500 Total Available Credit $ OD Credit Line for Cash $500 Available Credit for Cash $_00 At your service To call Ctwomer Rcl time or to report . lost or aolen -d. 1-800-903-3637 Far f a linc account hems and speed oatoma of-, log m to -c.pihlonneom sad Paymasn to. Send inquiries I. Ann: Remittance Processing Capital One Service Capital One Servos P.O. Boa 85147 P.O. Boa 85015 Richmond, VA 23276 Richmond VA 232$5-5015 GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 Payumnts, Credits and Adjustments JUL 12 - AUG 11, 2002 Pagel of 1 1 22 JUL ELECTRONIC PAYMENT S12.50- Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If you have already made year payment, please accept ores thads. Transactions 2 11 JUL SHEETZ 0201 MEC14ANICBURG PA $16.85 3 12 JUL OVERLIMIT FEE 29,00 4 11 AUG CAPITAL ONE MONTHLY MEMBER FEE 6.00 5 I l AUG PAST DUE FEE 29.00 6 11 AUG PAYMENT PROTECTION 1-888-527-6904 5.58 Finan« Chats Pka e,ar revcr e,rde for inspo tart infwni'tt- ^ , Pa>aJ t.a. ?,r l . .9 ARGE PURCHASES 563012 .05425% 199. 900% (10.60 S.00 .05425% 19.80% 9.00 ANNUAL PERCENTAGE RATE applied this period 8849M V PLEASE RETURN PORTION BELOW WITH PAYMENT. V Capital0ne 0000000 0 5291151856361793 11 0672040012500172046 New Balance $672.04 Minimum Amount Due $172.04 Payment Due Date September 11, 2002 Total enclosed S Capital One Bank P.O. Box 85147 Richmond, VA 23276 1.3 111.1111S. 1. 11111 1111.. Ili 1.11. P4? p.;?.r ddnv< days brbe.s;.g R- -64i vol, 19.60% S,eerr Apc e City Sent ZIP Altemae Photo #9022337497863051# MAIL ID NUMBER LOUIS U RICE JR o' 306 S YORK ST a m MECHANICSBURG PA 17055-6302 0 ? Inrlllu.llluulrlnlrlnllualltllumlrlllun??urlr?rl 1 Please write ymo armunt numboa yar &W or money ardo made payabk to Ckpad OwBanb and mail in the mdused envelope 8 O ? o a N faradic ran. To obiain the -veep daily bear- fur the big PeAOd -red by dais m--, tai tar m I iRrt I balance of rM mrg- recd day. odd erry rc nsr?r m recd faprrv, and nMrect any Payments as creme (H m coda N +PpeaR on the bare of this nneraen reed to -SM? Me Appbed To ,• we also seAttntS atq u frold htwce Charge included in m balance of raw repair.) This gim ens the davy basace of each g r Inon. we add rep se the GNyy bdanra for each eapsa- fa m baring Plead and dMde by the totel ttmnba a bay la m belong Period, Ttis givea re the woad dally balance of each segmem. 3. Aries heetge, ifr IAPRL a. The was - "ft Pemarsap nine' reaY appear sal -APIr on m iron of ',.I. aaaman. b. H m Code P Waned, L (3aao. L1 BOW, C ICartiacate of D-pfrnl. a S fBmn?rrd Panel) sppeam m one room of tors staseaeat eau m m psodc meld, the readmit: re!r ad romer-Pun ANNUAL PERCENAAO RATE mY airy quarterly andmaY inasaaa or done ens, bawd on m erased ndom ma foul n Th. ~ Sta. Jbaaa( Irr m margin pariady disclosed to you Time dramas uY be emectiw an m inn day of your ands January. Jay Osweamem ctobers ending period covered by your c If m Code D were), F it•mo. L)BOR) of 0 (31- LIBOR Bgnllted Mo. Y) appall on m form of your samara rxt m m pa ode rate(s), m petfodc rues and use w-raq AMMAL PERCENTAGE RATES may wry needy ad may k= as rescreens: brad on the ree ed Indian, r food in TM Wei soma ,Attaal Plus m mngin pnKmdy disclosed to you. Those crimps tai be effective on he inn day of yam being peAoe e A nordL 4. Assessment of bass, 0--sent end assured Pay.-* I- Your atatu- wi be aesesW can mac am two of m fees aced bas fM oazr du I ary bWaV period. Under m d year creme- aprepnat, yr rerne m can to a ear r sear any far WthaA pd. nmi*-If- to Yen wires wain nor agree m errs m same or sines, a a lair Yea 5. AsaaR n a membersip ken appaa m m from of ties slate-M You law 30 day Ines m data aria aa-mrr wma milled to you to -said Paybtp m to a m how such be added so you it you prod Your scenes. During mla peAW, You may Va. account off Noires m pY m onere rmah ens by ping ma Ctstomrr Relations D ennen and pry ban New Balance- in fend b arcludmg the rrrtbeerip W pin as the aM of the tinny-day pseud 6. N Yes Ono Yatr Aasnu! You tan reps to der yyesdr afar by trip den festers rldaio s DepararrL You rest daWOy your ctedl candle) and -ccoum access. check. cared all prmauter@ed bins, and sass uiq Vo r -ensue. n you cab user caned pandei[mr biq magwrnnts. we tall carsian nests. d a derp yen mrtbaazafon m organ yyoouurr streams. Aadriwusy, you scooter ors nn be dose0 reed! year MY of amounts you cove r WkkV any you hew auMdzed, Taace ome ea cabs fees, owufeit rose, tmaarea pyres, fares, cash comae ken- rd any Wear men ==X Ym m napmslbe ben wteaer may -PPM M Ymr access in the tines yCo regtrea to ter m aomett o amy -R imoren subaeptsR to yen a psa m close the atcoum. Tres nay rest" in drgoe appesbng on yes aR9eaed arrer you Mw your account if h Itr dfrdy been domed. For maple, "f yos audmdze11 a ptachar tnmrru a or _ m and ore mcdre the transaction trance the merdsm error your pout bas bean closed, you accounts aim be neopersed, the ereeeeait d m dorQQaa vac be added to you r ccasel, and you ore ba rmaporeelbe for payment. If mn la a membordip fee for year accoo , the Ire wN contours to be ce-1904 tom moaner, Permitted by law, call the aernrn balance has bean paid n kd as defined .pow. 7. Deets Your Aeeaat.Your card m account cannot be used In caaecdm vim eny atemet gambling tmrsactura 8. Neeee Abet earssefo Cbaak Cron, eo, yyban you p Mels, a deck as pynmm, you aWerize r efmr to ae nbwsation from your check to make a -4- a4cue is bad transfer fens. you bank attzcst or to Prorass the pay--n ma a creek vareeactim. Wien vw use, Hrrr,ion tram you cheek m nuke an elmnmc Used trader, funds ray be withdrawn Iran your bwrk aexoe-r as Goon as m rem day we recd- oaten ymvfirea and you yore wi nor recd" your check back ban fawcieliemuun. BILLM FUGHTS SUMMARY In Case Of 6nom Or Orman About You Sill If you thnk yvaa bi is aamnn. w if You need more nbmRtion m- ttatsamion a bal. wore to us os a egmm" seat ma from, r poma6e n the ofkkess ben aepites amain on the from of this snsarrom We must hear tram you no later dale 00 days stem are son you the km bill m Mien the mar at pppem appeared. You can chi as C Maurer 111.1m lq ,mbar, but doing fro W! lam „Reervebrc You ddrta. b you altar. yes r m lesowaep foma the recame send mzam numban. m eldler ammrt a m error, ¦ deetdpion m ertw aM m mo Aron, It t mare of bay you rases sere is m error; or if i1 you you need PDd moos bdonaatoon, a 11estriptan of the hem Yr are taeerra -bout. You do net how m pay arr. srmaun n 4aalare vAMe m are imtatdgating it, but you a am orpRd w pay the from of you big that are not n queWee. While w nwaagere War Pmmien, m cameo rep, you r dehgerm or take arty, stage to collect m rreoeet you raiaaun. h,t special Raft for CRdt Card Purctrasse, If You hosa a problem with the polity of property or "Moral that you Pudmrd We, a credo card and you law tried in 910011 tent to tareect the Problem with m merdent, you may hem m right not to pay m nanaaing amours due an m prupeny of marvicas. You how Uis Weal m prrchamaqIw wsa mare than pm e"am on" $50.00 and wlaeir 1 Wmmama of t?ma was suds In Your Iterne are of Your H;rang address, pt ere awe or opens neadra, a we nuNW V. m adwrdamrt ere m I"-- a services, ell Pucsra Pkase rrtaaban=of dcamrraep da mca, of Purchase.) 'r Does oa apply to cvnaeea non-aedg caul eersrure I Does eat sooty to bf®reas can-or.& card -..,we Colonel One supports nfamadm privacy protection: see air rcWaite a -ceiprhitdane.com. CapbN Ore's a faefsray reaiaterra maMce mark of Capital nes o poll I Capomien. AN rigtam Rrrved. o 2 OLBAK ce .1 T A. senses Prima. You we how • n ?mee grace period of 25 day wnh- Lerce du peadnaea, new W- tmslam, new spear poduar and raw o= acharges mordo n If you ? Wdan the Imports r ? In payrr rs below, a ire lire ben h m Its cm&n WNabyYyontoKent ananan doanp date. Them a Co W- M. m code adwnor and special team a- in addirdm, there a no tPeriod mry vareacrion if you a not pay m tool N- b. Aevuna Fb- C rge. Transactions which am mr s?lsot m a grace peiod an aereued faience deep I lame m doe of m ttaru-ctimn or 2) from the dine m transaction is fi colander p daorc? to Account or 3) form the IIyocr dad m day billing period Additionally' charges boor tire pnNrue sV period nM1 l the 'New A- alliance' agas r esreYUe to acne to you caWb that balance m on urr haloes la paid in fall. und! that This awes you arey still owe finernor, chargers, even if you pry m emir Mw road d beames ihdconed e.nd on the from at your resistant by m rner enured clearing data, but did rot do for on preuias mach. rid ce dearyes are added m on apparge. rpnger; r W Oil e yP pun F0=-* 1Teiuaa Fsrrae heap. For each bilfln period that yaw eccttrre ifr sunset to a hence barge, a rrinxm teal RNANCE CHARGE of MW aim be imposed It the tad firwtca drrp realsing Iran m appacation -fyou f ameamountn from nom It es h Im thi mnhin60rr send d the we dm6ttfkrance All be w nano m the pun*- s reepesor of yea .cem nt. d. Tsapaay Radad"eo It. Fires tlrg.. We oreenw m two to arYrysmYoiiepaoreoe due9- for any given Ming P= 2 a? ksialwYtM bl' mrAriMYkng ref arY balance of each sagnrs of your account k•4, ease sdva , purchase, apscal mauler, and special porrhre) by m corresponding dally peadc care(s) mat has bane pmciady disclosed to You. At m and of each day being m biting pd W, we apply the day padorft ran for each woman of yon htnwt m he dsYy PWroe w .ado sePo-m. Than a m end of m bSgong period, ores add up the moulm of three dolly earttdmW m to srdve n ywr Periodic hence fmrep for each sapnwtd. We add tp the reform btu made septum m anew a the rural palace finance Charp for you amount. To go to daily balance for each frograme ance for of your account, "rytake m begMng balzany psrioeach retgromme dc d rye?-= nm qpe Maas s ci s balm la that aspens. We Than subtract any jyeeeter or tredts pored r d an day that see Mm, that septum. This pleas r m saparne dally balance to each Mpa at Ym s®um. However, it you odd m New Balance sawn m your freMas siiiWmn in full (or ten ryourae tier which s ? of a cman mattes), reeve - balance pm m Yom pudrr a spdal purthae aapeens are net added tam dory balancer. We Wine m .wage ally bsmso by adding alt the daily bastes togatt- and nvidnq the fosse by m membear of the day in m cursor Willing cycle. To calculate your tears firurc- ch. m hVy yar swrap cagy balance by m 0 7y por=c nna and by m neMsr of day, n m tilling priori Due M rounding z: dopy basis, muse maybe a star Variants bet tion and the mesas of mrsommed. b. H m .17o, N appma m m boa of Ws ananam next to -rimer Rate A= To,• nee memiply the Important Notice: Your payment will be credited to your account as of Be date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope. and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center roust be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Mondaythrough Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Keep Your Account In Good Standing! You are a valued customer at Capital One" and we are concerned about the delinquent Status of your account. It is important to keep your account current in order to avoid fees, restriction of your charging privileges, and damage to your credit report Your personal credit report can impact your life in many ways. Your credit is usually reviewed when you apply for a bank loan, car loan, home mortgage, or any credit card. It can also affect the interest rate that you will be charged. Your landlord or prospective employer may also check your credit report to gain insight into your financial responsibility to determine what type of tenant or employee you may be. ® 2001 Capital One Services, Mr. Capital One 9s a tederaly registered service mark. All rights reserved. 012 Capital o LG a GOLD MASTERCARD ACCOUNT AUG 12 - SEP 11, 2002 5291-1518-5636-1793 Page 1 of 1 Account Summary Payments, Credrta and Adjustments Previous Balance $677-04 Payments, Credits and Adjustments $.00 Transactions Transactions $7029 Finance Charges $11.89 1 12 AUG OVERLIMIT FEE $29.00 2 11 SEP CAPITAL ONE MONTHLY MEMBER FEE 6.00 New Balance $754.22 3 11 SEP PAST DUE FEE 29.00 Minimum Amount Due $254.22 4 11 SEP PAYMENT PROTECTION 1-888-527-6904 6.29 Payment Due Date October 11, 2002 Total Credit Line $500 Total Available Credit $.00 Credit Line for Cash $500 Available Credit for Cash $.00 At your service To call C wastr Relations w w rcpoa a lost or stolm c"- 1-800-903-3637 For fro= online account serrim and spaw customer offer, lag m tm wsw.capitalo?mm Sind pgmmu w: Smd kgAr;m I. Attn: R.atutt-P,anssiag Capiul Onc Selo CapiLd One Services P.O. Boa 85147 P.O. Bor 85015 Ridmond, VA 23276 Rkh-.d, VA 23235-SO15 Important Account Information Capital One is aloud sponsor ofthe 54th Annual Phlortime Emmy Awards Telecast Tune in Sunday, September 22nd on NBC from 8-11 p.m. ET (7-lo p.m. CT) to see the talent yodt2 enjoyed ova the past seamn unite to celebrate another year of groundbreaking work in television. Capital One wants you to be a put of the a6temead Ched: oat Capital Ones ad in the September 13th issue of People magazine or visit Finance Charges Pt-ja reaeftej k for important iaform.h People.com for more details Bel ,.? tut P.4.& t ' IgNCE Z+?"{'AR F7*GE ,y>f6da rsc PURCHASES 5706.96 .05425% 19.8096 S1L89 CASH 5.00 .05425% 19.8096 S.00 ANNUAL PERCENTAGE RATE applied this period 19.80% 7451M V PLEASE RETURN PORTION BELOW WITH PAYMENT. CapHa1OWs 0000000 0 5291151856361793 11 0754220012500254224 Pr ?a? es m p? pE New Balance $75422 Minimum Amount Due $25422 weer Ape s Payment Due Date October 11, 2002 Cat,. Shoe ZIP Total enclosed $ Horns Pb- Ahetmte Phone #9025537497863053# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR te r 1 P.O. Box 85147 r, 306 S YORK ST ,' a +• MECHANICSBURG PA 17055-6302 Richmond, VA 23276 It,Llrtllusl.1111d=IIt,16,Jit„II,t.1LI111 11MI1,,.1 0 - Irrtlllr,rlif,1.1111..I.isrllrtr,11111.trnl=fill rrt16t,611 1 Plea. v-te 5291-1518-5636-1793 -y- .W or money ordo -vkpayabk to Capital One Bank and ,tail in the emiared enveApe. 8 O m m o , N 1. How To Avoid A F svgs. ta. tree, Period. You will tow a midrmm grace period of periodic to. To obtain it. avenge deny bdmce for tha bahirq period otwred by this srebnem, we it. The you sccort if it -hr ¦ if rattly ^ closed For example, • mamh mbo hod we you inatwortzed • hem P 25 man W lkvr = ponuses, mar Inve ent it- 5spminp GWrce a -ash a.pns[ each day, end arty new r a du trareaaim coon The merchant er your - charges if yu erfis aeta and lbw edw =p y you four utal ' 'Nm ew Sedu i s a b ire e any pO ft each th a co or sr cracks. In to code o N appt the how N this c CC amm has bean CIOYQ your e ea mpparyd rump .. d, the amaao N the -111 dwge be ad amde end W IN be 1'01A , for y for a cODld salr2 with n the Yapmrr Make t ms blow, arment e, Ro statanna reem 1 Applied To: we ark Applied e. ark yar rr? he fee p 1 If ? exts r and h time w k to tardiud by your rm staum at your aid A the subtract MY Y unpaid A shape included In the balance comihue your account, the lae t trtlp lee for 6 wN rurak your "g dine. Tham I. ro pace pedal on ceah aavaco = ors ..IT 01 eadt sepntmt) Thin gives u the deny balance a aadn of c to o be ba dr to the esseet pass Of ad by law, nob the edN tmr6rs In addition, Mom k no grace pedond . - •epn ero. Than, we odd d the dalbed- for each up aeeous balance hq been paid in *A n defend above. on wry tra I.. If you do not Pay the lad N- p peniod deeds by the bt0 c 7. Using Yau Aewral.Ywr nil or account watt be Wlance.' nu bsr of cisys u Y< ?V P,dod. This gives v dies used in tocriarh with any men gmbling . b. Arhhnig Fit-- Orange. T-senctios Mid. ere ear a rdge da veily halaro N each asynem. ...,trios. angect b a gran period are a•aerd fiturhce dugs 1) 3. Mad PreeNap. Rots fAPRL. W ion. YVlhen you e. ILlieo About E4tibs Greek . Iran ds dr N one tra .S. r 2) ftos dr mro the a. The tom 'Annual Parcenlrage Pere' may appear as provide a rJrck a paymant, you authorize us either to vasactlm I. Pracaard to your Account or 31 from The APR' on the hart of this sTaVnelr. Town nlovatlon fish yw tarok to ..it. • sea-time Jim calendar day of Me wane balling podod. Additionally, b. If the code P fPrimrl, L (ion. LIBOR, C fCe rificare of electronic head has. r 11oan your bark scare or to If you did not WY llr'Ww Bal.nce' Irsb The povtas OapoYe, or S (aintla d PA.* app"e on the Iroe of process On payment: as a drek teroaction. Wh- we ciwgg psrlod fo 1d, tilrhQ doges an1Me to acme to o r u rd bal. v Iha eld b ba id i wan I this one neon non to the wAft crew, The d II r' M I T tae indonesdon hots your check b make an electronic y u p. .! w - up . pa n . a TN mars 1M ou r ai owe grrnoe bar even it es ere a === AII NL t#ICE A6 IP. r3 m . var M : d b e fuel temw, lends Ml e 1 yy bank y g y yy , you pay the rem !k•w aaWtr Yndcahed m the fine at ry y T Y areas or eusas aile as stud se TA. War Smut the cud ksfihaa ay w ar?lra a soon a N e smhe trn and r N el c your oatemrm by drs ncera atateart drag dirt, bca did , Jana( plus dice baryn pnwiaely darJoand a WY , you vr n ve mc heck back 1n Yahrr voha firh.rhdel :sdnrrio, mr do cow the peniohs mad, Unpaid Sne ce charge These changes will be eflcfive on the Am hyy of you am .ddod u The appYahie aaynae of your Acorm. t.. Mkhkm n F Orapa. for edit billing period thin dying POW covered by ~ Periodic Matt em ending in the maths January. Apto, My and October. BILLING RIMITS SUMMARY Ian Can Of Erem Or Questions Abuse Your Big) your acramt is aWlact u • finance barge, a mininwn c. If tea code O (Prime), F fiat. LIBOR ce 6 (3-mo. If yon think you bi is sees or H you need re 1n1el FlraArrCE CNARrIE 1 $0.50 wan be krpeaed. If the LIBOR Repriced MbriN appears on the from of your info maim M a trarrcdm or big. voice to u on a tad finarho Burge reWnt fray 1M licit" don td yea n ek k e e a0 50 Mg M stasnent near u The pwisdc retold. the periodic rates ?? sMN as soon as, posit at rte address for Pa O rnefa) rn , we e subtract t smusrn nom the $0.50 tai i sun and The dfroence eels W ark armtpandrp AfIMML PEACEMAGE RATES r ll r inusee or ,otter, based ondb Y Y = 1 s W we We must Ih fmm on The tae N 00 ft. this statement. days a mm you the Yee ro user than billed u dike paduse of your account. an -.1 fo 1 d indw. as odin TM WSW Street J-84 pus or Am lei m Mkh the erv a paHm appeared, You can d. T Rahluelion io errpmrery arse. we reserve ten the r 'P^ pr°dy derlasd u you. Thee changes chit our Qamrr Rdndas nuWer, but doing an will not 009 to no aseaa cry or V filnalnee doges for any even will ba affect- on the Am dry of your bMV psded p- Yoh riyms. I. yar Lour. III- ce he following period -ch month. w er rd ratan wnba, the d dollar e 2. Avaaga Dan:hero IkNYh6q now Purchased. 6. Asue scat of Lns. Ovanfit n d Redeemed Paynest I-. amounts of M po abr. o ta error a a. Pittance charge Is calculated by rtadpykq M tlNhy Your Account wag be. eseaed no .sae than tap of 7M hies *" you el there Is and on OxViansdon, If possible. of n balanta N each aagahat of your account k.g., cash good tam that occur du*V ary big period. Under the an ermr, w It you need ances, doseaupn a deserptim of advance. prdre, we" Trawler, rd spsc41 PurdraeI I toms of your waananr agreoarm, we reasrve iha right to ttu can you re urue about. Ym do not have to pay cry, by The corrsoporn daffy pndede metal than has boon weWd or me to aeee any, 6e widru prior nsdfolen u assonant I. panim vdie we ere ' it, but you p Ameply decimeter u you At The ell of each hay Meng you without wslvfng w right we aeeas the same or deicer mere obig."d to Pay rib pens o1 hN Vora dot em rot the big period, we appy the deny periodic me for each atzahn[ 1M Ware N eadt saglaw of yar u fee at ¦ war tic. 5.'rRahowirq Yw Aaaeut. a H hasunbaml be in when we kwastigsts, Vote question, we ?r report you a dogrepum r take any acdm to caratt the asgmrru Then n the and of Me period. vat odd 1p appears on the from of this suumrt, Yee hate 30 amawa y vo a paelon. the rdic Z a dear daily calWaaar to ad" N ADdic firhalhce W e Loh sedh u nters Ws odd t TM , Nye nom tha dote this batanrhst sees m:ISd u you to id k M 6 t ha I e di tl W q p . p mount; fr c d Th ty i di q ra psy e e a o ve w n se em t to You It d t,t Special Rule for Cmdt Cad Phedur om ea v. a h taprhse u a e tat pe o c firsonce charge for youir a®ut. To pro tM Aeky balance aapnem you account. wo Take the bspkWlq for each You narc Your account. Doesq dais Period, you may coronae to was you account hcwhuu hewing to pay the membership fns. To cancel You accounts you must If you • pohlrm wide Ms papa y or base pasty of rt bel.- for each segment send add arty raw twvacfios and amy periodic 6narhce change eldated on the previo s . notify u by em" our Cuaoaer Roafone Department and pay your 'New Balance' in W (ahodrafing The s that ?Ce tM Yoo Oucsatl wiee a ct o tad hod you have tiled In good nark b corep on prphiem Whit The days balnse I. tier aaOtara- We then acnad any 4.y ahambonriap fans) prig u a. and of The 1Nny-hay period. rnerd°e, you rY Mee tM right two to pay the remaining meet due on the Property or services You have this at yhtaes a ttediTa prred e N that day that am allocated i to that segment. This ohm r tM aapame dally balance 8. H You Ltiaa You Aleut. You can spry b lee Z by CAM Mr Cteharor Rskdars . proection ordy wlrrn 1M phadare pfce yr rrbm than D50.00 dr pudsw wr beds in yw hens state or is "Ch eagmers N yar an:ecm. However. it you pdtl ft psvv Balatee alsvr on your pWAM oawnenl in fir for Times. OapaTimes. You met destroy your ttadl ceeW ad account occae ensCI cancel NI peso udwet ed Dig aw at we own or Mein 100 0 .0. N your ;::% if your new bateee was rem or a cm& amount). new , • coaae od yw o eons. It you do not canal hQ_ s you sventee cdwrib tM new laerchO IN On , or 1M property w srrorwyon icea •e purchases t sat waidh post u your purchase or pociaii t ut purchase ap ean na ate To the deny We reciptad aq ow sudsbun we chi rsraider ad a a onasdtaer to rsgrr Yar receipt charge y.y , OI Purchase.) Pleasc rrhaeh6el tea oe?Maaaat ft. manber dairy f bbef- t and ~ Instance q The ai m b adding the .4 6 tM an IrT arrant hiq cycle. To celcularo your Mal u hm?y. ou Pay amore you - r will kriwidirbaigdsrry asextum trasactioro you have adnhkdd, he firharhrs crges, Pont . t Aces not apply to consumer nom-nece cad accounts finer- charge, muh(plyy yw .vrspe duy balance by Me deny peiodic ms and by the maWer or 6ya in the being due fare, overiimit too. raarlhed pdymrrl foe, cash advance tee and any air Le aaaaeod a your i floes not to braia.+a mn--& cad xeoafs nom' period. One 10 rouhdirq m a tlafiy bask. diem may be a account. You am leghwuihie IN tlaea anmrts wahether alit vadama Inconsistent Oft cdaabfon and Ilh rmarm of e they appear on your acacat at >ti hale yet leper 10 Capital One rppuna foioanaea0 twi-y protection: we our hatted. fiances rJtarpe T= h H rice se Z o M m a f hi does The acmut or trey as konod shbrquat ro webdte a www.capftelane.ran- Caput Or Isa gderY ropusmd a r io f C k t . e r ere m ro s t s era-- men b 'Bdama Rea Applied To; we madply dice your -wst to dads dr acmm. Tlia My main in V. appearing on your accart aher you h.ve y e v e mar o apu Oro ?shedel CauporWW- AN dyes reserved. 0 2003 They armld of Capnai Orr OILGLBAK 7651M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. CapilalOne• • Employers check credit references before hiring new people. • Banks and leasing companies often base the interest rate they offer you on your credit rating. • Achieving life goals such as buying a new car or owning your own home are facilitated by good credit Ptrarl.:at.7irss ebo ao kh- -M.4 -L • Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you around for a long time. 002-1001 Capifal0w* Account Previous Balance $75422 Payment; Credits and Adjustments $25.00 Transactions $70.80 Finance Charges $13.64 New Balance $813.66 Minimum Amount Due $313.66 Payment Due Date November 11, 2002 Total Credit Line $500 Total Available Credit S.00 Credit Line for Cash $500 Available Credit for Cash $.00 At your service To cQ Customer RdAkwu or to report • lost or stolen nrd: 1-500-903-3637 For f- online accent service and :paid amt.- E-, log on to: an ogiitalonawm Sad pay-u to: Sad inquiries m: Attn: R--isms Promsing Capita] One Swim Capita] Oae Ses.ioa P.O. Bar 85147 P.O. Box 95015 Rkh.-d, VA 23276 RidmondVA2328S-5015 7024M CapitalOw GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 Payments, Credits and Adjustments SEP 12 - OCT 11, 2002 Page 1 of 1 1 30 SEP ELECTRONIC PAYMENT $12.50- 2 11 OCT ELECTRONIC PAYMENT 12.50- Yota scheduled payment has mot been received. Please remit the amount due appearing on this statement if you have alrndy made your Pau-it, please accept atc thanks. Transactions 3 12 SEP OVERLIMIT FEE $29.00 4 11 OCT CAPITAL ONE MONTHLY MEMBER FEE 6.00 5 n OCT PAST DUE FEE 29.00 6 11OCT PAYMENT PROTECTION 1-888-527-6904 6.80 "Important Notice" Your accatu t terms have been adjusted as disdosed in your original offer All other terms and conditions remain in full force and effect. Finance Charges Pkascmernv sideforimportantt i at ion, nfiffin ? j ] N ti d m APR CHARGE PURCHASES 5784.60 .05795%P 21.15% $13.64 CASH $.00 .0579S%P 21.1S% $.00 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. V 0000000 0 5291151856361793 11 0813660012500313666 New Balance $913.66 Minimum Amount Due $313.66 Payment Due Date November 11, 2002 Total enclosed E 002 21.15% Sneer APL b Gry S- 23P Here Pli- A]-.. Pboa #9028537497863050# MAIL ID NUMBER LOUIS U RICE JR Capital One Bank 306 S YORK ST P.O. Box 85147 N MECHANICSBURG PA 17055-6302 Richmond, VA 23276 ° r ?ulalnl?us?allm?tl?ul?utllncllnallurllucllut??ncl ° s.? ltu?llsulllnultlulrlullnul?allnut 1 tlllnu1l I.J. ls1 Plcare unite 5191-1518-5636-1793 on yore c6erk or money order modepyable to Cofifal OwB..k and mail in the endvzaenzrlopc L r 8 0 O hV periodic me. To abrain dlo .-am d*V belaroe m the bSrrrg period covered by cis autasne, we take eue begirrtng bslarce of sech aegm an each dry, add any new vansaaime to each saprrs. WW sterns mrY ymer t er cmdw. In m tmde N m rm tlr is ell Wa sssmem nest to 'farmers Rne Applied To,' ee abo s btra n any upeld tksce tderge 6sAalld in ire babece of mach Amin pnenM,a.) This pines in ft dally belaece of esch .9 day boloncoat for each a we for ie biirg p kd and divide by 11he -MA manly W drys in we btrnrg period. This 0- as the avenge defy, bbalance of each aepnss. 3. Anew ?ar11 f wes IAptL a. The lm 'Atari Pereofagg Rm' roaY eapee as APR' an >he fiord of Ilia elataroarr. b. if the code P Vdans), L (3? LIBOR), C 100"HIote of PARR- ,Me sda)emssSi mus To it* Periodic riiOW trot croft of .sea and ran spshdr9 ANNUAL PERCENT RATES my very gamely and my k- er deeming based on the surd Indies, ss fond Ih The MAT saris Jaarat pis the m*.On pmviotdY disclosed s you. Thwa daugn war be atlecttve as the fist day at your billing Pedodc ending An . My .4 Octobs, c. It da hsde O (Pine) F 0 goo. uBM s a Q+eo. LABOR Rep(ced MorrtidY) m m der foe al Visa muss of nest to the periodic rsNq, ans p - mtea and co npo dinIA ANNUAL PERCDITAOE fN7? My . khtaease er dsews bavaA tic wry msetY end mY sued khrirao, es tart's TM Wet ssrs.aorna{ pits ,he -90. Previously d'sdosed To yea Tlrss drhges wbl be enecdw on er firs day of Yoe taThhV psdod each rnonW. 4. Annsasd M Lots. Owisl and Rsuoad ?aysrea Fes. You acotaf will be eressed no mere then Tow of to lees Noted hem the miser du*v any biMg paeMt linter are teens d you csim- apmssoa, we heaeree tars to weiw snot To asses shy lass wissn Prier rstiuiarh w sore er alersr you wiehou waiving con ride to asses 0. den n a err Sea. 'tRoswihi Year Account N a -.be NP is appear on der from of This sufrwerrt you true 30 days 1mn the data eta sramem urea arhale6 to you as avoid paying she raft or te hess such In cradhe0 te you if you canal your account. During Ws padod, you eery amps is s you aeeara wise trekng to pry ate member" Ise. To caned you aQ:p,t, you Oi redly - by taip one Cuwmmr Rsiaiar_Dq;:m erne B, Ad You Chess Your Ames. You - tequas re You account by cslWp as Cusotaer Rebdos Dept mtof. You flat destroy your Crum tarr/d ab atsara arse vhaekf. C." ed Pneahel --- b><ah0. end oars ?s+hp yon •amouf. n you do idh cord gaafho birp e your isenses m..an to wm o herorrds mealy of f • digs ymr your be toe acalo. aasna you acce will me be Astir tog you pay wy as amours you ar owe fee u6 inhdh4 - Past d shy e res iora you eve authorized, finance ss, vi g, aura Isola, tweRmte fees. mtmnad emaa Iea` , cede am". inn .,it shy other Mea a amssed w you seem". You an L. accouas ns WE WE Tots smarm w to cloy ether a ya Ts dm you mess To close the areas or a" ny as Anointed am a s ram dos war amour. TT Thts may mY teem I. Your mques" To ?daeses soosa ades en urn axouf aka Yoh keys you aceD m if it hell already been eosea Per louse e, it you sum otzed a purchase Inn • marvrg and we mcetre the transeNon from she mercers after yea accou t hes been closed, your account W111 be ar-Pared. the amour of our charge vA be added w you scis", aed you wi be responsible for pays em. IT crane is a rnenWareltp fee for your account, the Me will commse to be verged, to the omen psmhined by low, unall the arcouse balance heft been priori in kit as defined above. 7. U"V You Aoaou t,Your om or acoun cannot be used in carrclion with any intent ga dAn tromaction s. 8. Natea Abera Electronic Greek fawarsbn When you provide a rack ea wymas, you suditake us eMr to het inAamladon from your check w mks a am-Saw electronic lud transfer from yon bark sCTDraw as is process me pays am as ¦ check transaction Nave, we use IMermatbn from yea' click to mea m atearordc furl vender, furls MY be -r wia nom you your p.y .R torn as the acme day y we r ive Yee .l ire iiRa wig t. receive not your crack b.* from Imc your BILLING RIGHTS SUMMARY It. Case Of Emrs Or Otastims About You gig) It you d nk your bill in whop, or it you need most inloeution o, trswcton or bill, wake to r on e sapams elaet as soon as pore- agar eddies for krises shown on the from of vie mt-.M We must hear ft. you a later don 00 days after we goof you are firs w m witch uhg arm or problarn appeared. You ran call ou Customs Raeriara ember, be long - will not pre . you ddsa. In your letter, give us oe Wowing Iermatinn you stem aif want number, the dollar aehotaf of the suspected enm, • detedption of are anon and ao splsmlon, if psI I . of why yof bofeee trace is an ewer: er it you need more ioemaum. a decrigm at the hen you am uhofg about You do not hove to pay any amount in question vedle we am iMssigetinp ft, but you am si oobbdpppnated to pay the pans of yar Oi art an not in q,..M r.lyttle we investigate your pealon, ws or om nePon you s dalinpuan or eke any action to Ceased The ammo you 11.11 Fora. t,t special Rife For Credit Card Putchaset 11 you huvs At problem with the quality of property, or .Mies Tat you piercusd with a ctede card and you Ave Tried M good Wlh to oeCt ere problem wAth Tar mferant you my hove flat TWO not to pay the rensiiq among due on the property er geMcs. Yo hove cis Pnotamha ovyy who- der puretae was mom than $50.00 and tr pfdase was mca in you tome sow or widin 1 OD mbs of your msilkp addams. of we own or operm the rnand om. or If we muted you the dreNssment for the pmpeny a services, ail prreases arc Covaned rgprdess of ,moat or location of purchase.) Pksae minhembef Io sign N conespondenea. t pas not apply to eonauner raeeleda caw ,tours t Dos not apply to biamss awl-cradle rend occsars Capital One ahppons htblmsom piracy Protection, nee our wwev.rcaeppMry lons.mah. webehe of Capital One k s federally registered R&M. mark of capkl Otlo urocial Co(poaian. AN ions reverted. a 2003 Caoltel One Of LGLBAK t e^Creaa ?ehied. You rA true mi iman pate period A 25 days wfthohe Nrrce ch. m now Peers, new bll,mes [nntera, now ,Pagel Phmfuen and hew at- the ryes If You Pay Yhef WW 'New 8alencs", m semrdrnce whh tls Mportsm Nodes for paYatams below. and in Ikne for it to be credited by your nod gelssrf doWp data. Tt-. I. a gives period m cosh advasm and apstlaI .-to- M adMon, owns M no grte period an shy traracior, if you do not pay The total 'New botaroe.' b. Acaroiry Fine Charge. Tra sanWS which an not subject w a once period are Remained Ammo cing t f I teal to duce of U. %mmureian of 2) from the data Ma trarmocilm N pnatased to your Account or 3) Lon ere fir calodsr day of ails arum bike period Addimaly, If you 1114 not Pay tare 'Naw Rstace 4om the pnadou s Mine Penrod h h/, gnhsres dughss mrsksee se emus to Wu upaid bal.- u ll dire unpaid balorce le paid in full. This meat cut you my eli owe frhanhDS ancader w ever if you Pry the eraiR New Bdlsohce mein did fog of not your pr w UK The peftviouunod s m M I ilk i %m l- changes am, aced w iks spvlr?pM seOnronR M your A. r.R . t c. irrrs Fame Clhargs. Fur evdr Bing poMd that your scour la srMxt w e runa=' "t"est 'war FINANCE CFWRGE of 00.50 - n the toed F- charge reshkp from it. MA-don eI your ponedie mmid le leas can 10.50, vet vA subtract Mt .mare from the 00.50 miimtan ,rd The d(fiesrcs eat be died to the purdah spoor of your account. t d. Temporary, (taducisn A. F'mmwv Orsgs. We RseM Me .gm to not ,saes any s M irony drop" bus shy giver biling pis 2. Awarepa Baaanae ImR.&V New tudrsesL a. Fiam.. charge M calculated by imrdphyi g the dally balance of sack sormi g of your ,card (e.g.. cash advance, purchase, pedal j-dia, was apedw redress) by the mere p-ifiop dairy Periodic malls) of each That has been the Wevioudy POdeeksaid to you. At " W. we sppfy U. Nty, dpofa I RR 6r ouch WWRINg of your acrasn to gar dolly balance of each segment. Than in the ad of the Ming poMd. wit std to ere resits of dsaa del?/ celtsi doe to anhlo s your pmedt #-- ruse for ch segnam. We add ill er rewdts Inom seer aeg nas w ar.N n tlr foul ysiodic Ilrence vary, I. you smouif. To pro the day balance for each repose of your accoisn. we uke to beElaiW balares ter each segmeR end std ary new taerssctiws and shy osdodc lkarrce darye aav. d an the pnvima dey'a ais m ere teased ?oof #0 dada d aa..11orsted vow Van saemsf. This ghas us the Wamte dally balance for each n- or you account. However, it you paid Tr Now Balarhce eww on your Prow- stnemoa F M Is riyour nsw al-ce war zee or a ucdh .=- I nrwNs which Pert to your pu . as er Punvass sagsrrs am not added to the daily balarcss. We rslradne The average daily balance by aHeq are it. daily balarhos topsller ad dIA&C the seen by Alto rrarber of the days to fhe eirran bWV cycle. To calculate you told fironce calve. muhiplyy you a-MV dally balance by the delfy nn an0 Dy the number of date in es Minns pre ' . Ouse to hoh+vinp an a espy bed, tam my be a al? varianir between this coIc An e, and it. remains at trance hinge setuggy assessed. b. If the male Z or N appears ore The time of this a oseem hest to'B.M- Ran Applied To; -nfeeiply der .. 7024M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at bast five f5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips. etc. when preparing your payment. Your account is delinquent. to make, your credit vAth us, you need a payment. We want to help! - We can help-but only if you call us. -4 When you call, you can make a free check-by-phone payment. Return your account to good standing. It's up to you to take the first step. Call us! law AAW- 1-800-479-7231 =,Li z Capita/Owls GOLD MASTERCARD ACCOUNT OCT 12 - NOV 11, 2002 5291-1518-5636-1793 Page I of I Account Sumumry Payments, Ctedtts and Adjustments Previous Balance $813.66 1 08 NOV ELECTRONIC PAYMENT $12.50- a n s, Credius and Adjustments $12.50 T M Tram ions $71.44 Your scheduled payment has not been received. Please remit the amount due a earin on this stat m t If Finance Charges $15?4 pp g you have already made your payment please accept our thank e en New Balance $887.84 Transactions Minimum Amount Due $3$7.84 Payment Due Date December 11, 2002 2 12 OCT OVERLIMIT FEE $29.00 3 11 NOV CAPITAL ONE MONTHLY MEMBER FEE 6 00 Total Credit Line $500 4 11 NOV PAST DUE FEE . 29 00 Total Available Credit $.00 5 11 NOV PAYMENT PROTECTION 1-888-527-6904 . 7 44 Credit Line for Cash $500 . Available Credit for Cash $.00 At your service To tall Customer Relations or to repot. lost or stolen and: 1-800-903-3637 For free online account service and spend eustomen offers, log m to: waw.eapimlonecom Send payments to: Send inquiries to: Attn: Remittance Processing Capital One Seim Capital One Scvim P.O. Box 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information Who should be the college football National Mascot of the Year? You help decide! Visa www.capitalonebowl.eom today to cast your vote for one of the 12 6nalisu. Then be store to tune in to ABC to watch the Capital One Bowl on January 1, 2003, to see who won! Frmnee Charg. Pkaserae revmendefor iraporlant Wfoo-at io st P -=I-r C E ? 41?dm iAARGE a PURCHASES $816.60 .05795%P 21.15% CASH $15.24 o - a COD .05795%P 21.15% $.00 ANNUAL PERCENTAGE RATE applied this period 21.15% PLEASE RETURN PORTION BELOW WITH PAYMENT. T Caprta?Qwa 0000000 0 5291151856361793 11 0887840012500387844 New Balance $887.84 Minimum Amount Due $387.84 Payment Due Due December 11, 2002 Total enclosed S #9031637497863053# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 306 S YORK ST Richmond, VA 23276 MECHANICSBURG PA 17055-6302 1. 1. 11. till., if ... 1111.11... Please l-de 5291-1518-5636-1793 onymceW or money ardor atadepayadkto Capital One Ban., and swad is the endeared envelope PLahrps;.r 1-:6.radbm.udi?r-....ilrl a+aes drfsssaaa u--AAsci WE Ape e C^y Scow ZIP Hme Rhone Altermre PMoe e E.aAaarea r ® 2002 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. S O 0 .- N peioec rote. To obtain the -gs daily balance for de billing period ctw red by this arrange, we take tree bePnirp balance of eel- tegmet each day. add amt trnsaNons w sech sage-, are subtract any payment, ar .1.0. of h code N appaare on h /renal a this aaterune roxi 10 *Balame Rate Applied To; we also subtract any unpaid fnares Wry" irnduded in the balance ss earn s"pnaa 1 Thu gi us the daily balance a eadn agaaet. Than, we add up ak the ridyp belaeoa to each -egret for h biting period and dvida by h foal racer of days in the billkp Period. This gives us h avarpe daily, balance of ach .gm. 3. Arnsall ?wuentapa Rae IAPRI. a. The tees 'Anaud Percentage Rate' MY appear as 'APR' on the front of this Misspent. b. It the code P (Primal, L (31ne. UWM, C (certificate of Dapasta, a S (Bankrard Rune) appal on cis fro of die mosorn nett to ant part eaten:). h more and oonepaskrq ANNUAL ZMITAGE RATES mY MY @rnedy ad -Y ir-sar or tlacraase based on to Gaud kheica..a fend in The Ww Sher .bona(0 ti h mryin p-viweMy daclced m You. Thee riwrpes wfp ba elfective co h first day of your Wool; peeled covered by your p doac mower" ,.*V in the res"the c K the rode D (PdmejYF (1-rrio LIBOIR or G (3-. LIMA nonsked Maury) apps the fins of you s aanant roses to h periodic rateW. the Paiodc mss and c ...P-ding ANNUAL PERCENTAGE RATE ray cry madly ad MY Increase a decreat r based an The mated k4ces, as found in The Wag Sb w -fiso eq, plus the sough- peviodY disclosed to You These charges wi be elusive on the final day of your bgknng period each mash. 4. Aaa?ard of Late, Ovri rlk and Rekw d Prywnt Foes. Your account wA be assessed no room due two of the fees gaud fret art occur during any billing ptedod. Under the same of your arena agraenen t. we reaane h right 10 waive a are w aaaeas any tea without polar notification w Yee without asiiq M right w sense ter lam a -.Mo. . War a.a 6- at Tar AeaxsL It a membetts? in apps. m h from of this etatmemt, you he- 30 days hen h date tb restorers was led to you to void paying h fee ... be- such tae ,.d wd to you if You orcm You accent. outing cis period, you cry cords as use you account witow Nuke W Pay the oneabarN 4 fee. To camel your access. you mute ndfy us by Coiling ter Customer Relations Deparrrnent ad pep your New Maraca' in full (.xdalng the msumeuasp fed Pair to C a thirty-bay ?. K Yer I.Lw Your Aemtet You w can request to close se 'y/rosa setbue by oaken bur Orennr Halaapnr ''.. Deparems. You start destroy Your credit calla) and account arras bads, camel all pmadle¢ad bhp, ad case r:n_ngyoupi acowt. K you do na cietal pas t0deltd anagements. we will consider ',. teos4 of a drape Your auNodratian to reopen vote accent. Additionally, Your account wN not be closed owl you pay all =" a =led, is irludnl m varwfwes you aulerired, (:Wren barges, pea due fen. ovedknft I-s. retuned pay.- tae. came ad- fees end any ohs fees aataaad to yes accou.". You .e responsible, for ante aromas, waehn toy BMW m yes aaaaa a the tiro you regcest to close h assura or try roe irnowred su6scgkernt to yaw roprst w dose the accousn. TNa mY neaat in Wryes atiparim m your account after wu haws your account if If has already been dosed. For example, it you malahirad a pwcham from a mrdunt and wit new nocelve Mee transaction from ale matWm at. you acmes bass been closed, your arooud will be reopened. the aurae of On charge will be a~ to your account. adyour w?it be wRasible for paym"nt. It it- Is a nrsrrendip fee for you account, the lee wte continue se be eorgad, w the extra penrined by law, urea the access balance bn been paid in hull as dehrd above. 7. tfeiy Ter Aemuol.Your card or account carrot be used in connection with any irsemet gambling trrsscNOrse. 5. Net- Abel EYpboic Cheek Cawemru When you I , - a deck as payment, you adhadre us eider to use Womedon from van check to make a one-dam .Iasnaic furl rraafo from your bank accent or to process the peyonant as a check transaction- Wlien we use kdomadoh from your deck to make an ale imnic had transfer, furls may be withdrawn front you bank armor as aeon as h same day we -W- your payatao, and you will two wCeiwe Your back back rem your frrusrndal ihahuipn BILLW. R/ONTS SUMMARY Ilo Cass Of furor Of Ouawims About You Big) K ysu nit Your 611 I. wrong, or it you need mom kdonrnaam m. vaaaction or bill. write to - co s separate -lass a- won a possible at the add- for I nq iies shown an h from of this statement. We must fs horse you nis ?e error 60 days after we Me you the first problem appeared. You ran cal ter Caatama Relations rarber, but doing st, will not pramve year d earmere pltr. Boron to h you lunar, pw ns h idlowing idwmsi of y and description ion the dWr ter suspected arbor, a wily y of the error and aa a. as H tun, If p re i at why you balayo nm I. do , a tio carer o N you road store o n e of the her you am art while abed. . You as not true to dm 10 pay any argue in prom vas are iru bill It, that but t you Vft pay the pate of on rot an ON abk to quloll prut we t ncantre st poesaork Wlie we investigate your your o repot you as dean or eke en. any scrim to c cogent the amount you greatiaL i,t Special bide Far Credit Card Purchases if you hue a problem with the quefdy of property or seances ter[ You pudased with a credit cam and you hose tied in god taith w comes h problem wit eta aneedrtnt, y/u ray haw the right not to pay the remaking ran due en the property or genic es. You have this $50.00Posuesiort ==rise purerseoin was mom than pschase was rode m you hones now or alters 100 ales of your •u.Ifing adder. gf we own or operate to rrllfrnt, ar If we staged you the dval6mrt tar the property o aces, all puniusee nsoed tae- - of amen or location of purchase.) ore Please rsrr"bar to sign all cormryadr¢e. t Dora nor Apply b crrsrrmr -ft t card accent r Does nor apply b baseless monT/edd aid sccooxs Capital One suppae infomu ion privacy pmtectim: see our waMte at www. Mpre.cerru. Capaml Ons u a cagy ragisterod m,vice mark of Capital One Financial Corporation. Ali rights reserved. a 2003 capita One OILGLBAK to. Or- Period. You will be- i miriro sn grace period of 25 days without fnerm ch. on new, pmdeaes, new balance vatsfem, new apoeLl putlmas and new odw Wrir K you pay youptonaall 'New Balance', in accodaro wine h Fnm No%- far payments below, od in tine for it w be credad by Your me aNtrnent . . data. There I. no gran period on rant adwn- and special transfee. N addition, arm I. ro pan period m any transaction it you do not par the tool 'New Mahca.' b. A.rarq Fiunee Gape. Transactions which am me subject to ¦ pan period ere assssed fi- charge 1) from fr due of h transaction or 2) from the data the Imaection is processed to your Attest or 3) from the fire calends day of h currant bMV period. Additionally. If you did not pay h 'Naw Balace• from it. previous billing period in 1W, Im nce .Ma con"Ies as terns to Taff ? that balance ur al h unpaid bo arnn is paid in full. Ns you my still owe Greater, c atpa, even if you pay the awn New Balancer indicated m the from of your sutransa by the rahe mires doing data, but did nut do so fw the pnsuies mmth IsiPrid Mreres charges am added to h Vic'" sepmerut of you Acrous. c. Mink- I For Gap each hging period ihat year I. ape 1. to • fi- . 50 ' wit cleagre. be be • airirra.n ewe[ FINANCE ut," CHAME of 0mposed. If ter tall tic a w rps ta the ng front iare app subtrof your a m o re hen roan # thIs less s than 40.60, we will subtract tai amen e $0.50 .qten tof and h difleartce will be did te the pudaa s sI of toe account. t d. Toe to noBa sea isn kh F Grp-. We meearr as doPff to rot eases any or al Grams charges for aM given 2. Avragg. DAV 6aheee floirdihp New Purdresl• a. Room o ups u oleoln d by mddplylog the daly Manse of sew- segment of your areas k-g.. cash Wanes, pundnase, epecist transfer, ad special Puodnesel by the cormyonding daly pedodie ends) that hespit moted you. At the the Us irgy period, vw apply h dW WP z dim f ybw- or adu sageness of you cease w h dally balance of scan Than a the and of h billing the none of alias dally calculations to andw we W periodic Poore flange tar rich aalmrt. We add up the resit. from each salmon to ate- at the eel Paolo I firunce charge lot your actatss. To get to daly Mann for each seg card of Your account. we mks the bepksbnp balance for ten steprom and add any new t;; i actas and my=c frarws Wrpa caluolaed m to previous days 1. eat aspen oL We den aubeaa any P.V-u or credits pored as of iM day dw m allocated 1. "an aegmnt. TNa given a V. operator daily Oaten 1. -ch ?ai or o assure. H-, R you paid tee Your New BNa if your new balance was a as se I reawsa), newro ( transactions wiich post to yaw purchase or Moded ptaease reposers .. not added w do dally bolareart, We calculate h average sally Marne by adding all the daily balances together, ad dvtdiry h sum by the reard- of the days I. the curs billing cycle. To calculate, Your form true carpe, muhipyy your swage dily balance by h daily p.ifodc rote and by the -unbar a days I. rill baron period. Dues 10 rending on a daily basis, them my be a slight artenes between this calculation and h asseen of finance Wrye asualy assessed. b. If h rode Z w N appam On to front of Ws aatemet nett to 'Balance or Applied To,' we owMply the 4564M Important Notice: Your payment will be credited to your. account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3-00 p.m. ET- Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Your account is delinquent. We want to help! i - To protect your credit with us, you need to make a payment. - We can help-but only if you call us. -; When you call, you can make a free check-by-phone payment. Return your account to good standing. It's up to you to take the first step. Call us! 1-800-479-7231 memo: cap talOw Account Sum Previous Balance $967.84 Payment; Credits and Adjustments $12.50 Transactions $72.10 Finance Charges $16.06 New Balance $963.50 Minimum Amount Due $463.50 Payment Due Date January 11, 2003 Total Credit Line SSW Total Available Credit $.00 Credit Line for Cash $500 Available Credit for Cash $.00 At your service To uB Cmt-a Rcl&C n or to report a tat a stoim and: 1-800-903-3637 For free online somarn service and speoal ontomer off m, log on to: ww -Pitalam- Smd paymenb to: Send inquiries to: Ann: Remittano, Pmrnsing Capital One swim Gptw One Senior P.O. B- 85147 P.O. Boz 55015 Rkhra-d, VA 21276 Rid-nd, VA 23285-5015 Imoortant Account Information It's Capital One Bowl Week time again! Tune in to ESPN, ESPN2, and ABC starting December 17 for the best in post-season college football action, to we your favorite teams fight for bowl dtamp"rondtips, and for college football's ultimate prize: the BCS National Championship. And on New Yews Day be sore to tune in to ABC to watch the Capital One Bowl live from Orlando, Florida f n m 0 GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 NOV 12 - DEC 11, 2002 Page 1 of 1 Payments, Credits and Adjustments 1 09 DEC ELECTRONIC PAYMENT $12.S0- Your scheduled payment has not been received. Please remit the amount due appearing on this statement If you have already made yaw paymeot, please accept our thanks Transactions 2 12 NOV OVER11MIT FEE $29.00 3 11 DEC CAPITAL ONE MONTHLY MEMBER FEE 6.00 4 11 DEC PAST DUE FEE 29.00 5 11 DEC PAYMENT PROTECTION 1-888-527-6904 8.10 PranceChnn Pk-eraere erdejorrmpod-1rn,oormamn WEE PURCHASES 892353 .05795%P 2115% $16.06 CASH s.00 .05795%P 21 L5% a.00 ANNUAL PERCENTAGE RATE applied this period V PLEASE RETURN PORTION BELOW WITH PAYMENT. T CapitEddca 0000000 0 5291151856361793 11 0963500012500463508 New Balance S%350 Minimum Amount Due $46350 Payment Due Date January 11, 2003 Total enclosed $ --1 Account Number. 5291-1516-5636-1793 X-Prm1 ar46f A -anwe-n d'hegn bdow_Z bLe wb/mtinL 21.15% Scevt Ap. s Gp Sue ZIP H- Phone A1mom Phone t Foal Addrm #9034637497863050# MAIL ID NUMBER Capital One Bank MEMENEEM LOUIS U RICE JR P.O. Box 85147 111 Ii it 111 r- 306 S YORK ST m unn m r Richmond, VA 23276 °D MECHANICSBURG PA 17055-6302 a 1e.6LrllrnltllntltllaellnellnelLnlLerlLrrlLrdlrnl Intlllcall?eeetldteitlrrllnulltllnn?ltliltntlltnltlel Pleare tmitc yore armemr aember on your beck or money order made payable to Cafitd One Boni and mail in the endwed envelope F Q 2oo2 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 8 o . m m o ? N Dalerm6 of nrdn segrrnaa wm aY, aro say new begmw tnnhsa m aadn opener[, and mda'act any P.V_" a mMn. (N elm "a N appears m dal from of this maerrwe alma a 98s4errm Rare Applied To,' we also subtract any unpaid ices, derv kciuded in the balance M sash !V I Thb gives a the dairy balms. of ads segment. ==6= bales ? - a daily balarcw? eg ri mod divide by " In dale blrmg period. This gives a the Oaierra d wdr winners. 3. An:= d ROM "t a. The Tana 'Amwel Parurspe IWi may appear as 'APR' m tha fve of Thb gaueram. IT. N The cede P FWwal. L 0-wo. LIBOR), C (Cemieate of Deposkl, as S (BerdzzirO Pdme) appears on dal firms of rbls stomas an a the pedodk metal, the periofc CZw O rate ad amasponnding ANNUAL PERCENTAGE MTES cry very q ww*y and may Increase or damage Weed onthe stated irfosa, as mud I. its WN Saes. Jbarnot pas tha rear pwviwaly 6-1-W m you Them Changes; was be of ackm on ma drat day of Vote iM MM .WPmanowe's np 1 c N dial cede O pew), F (t m LIBOfi or G 13.rm. LIBOR Reprlod MarW» ypesTs m the from of yes summers most a ow Ise. msW, the Periodic rata and corm pow" ANNUAL PERCENTAGE RATES may vary rnrsYy stud say iowae w deawse Weed on tha aped kh - - fwd in lie W ff Simar ,banal, pals Oe wrpirT pTreaiouraly efsdoad to You Thew niurhpes will M off.afw m tha is ay of Vm bing period earn mock 4. A. -m-ant of Lae, overlie[ and Ralhnrd Payment Fees.. You accrue will be anomd no snore than two of de fees listed base reef occur dial" any billing period under the toss d yea weans apreasrt, we rear,, the dON to waive or net a Rates arq fee w tho m pdm nmdic rtfon to without vvalrrg w dplg m aaeas the same or Miler at a lair errs. 5. Yoe weeerd. n a werbersip fee .ppwrs on the here W This sa ow-L you he- 30 day tern The done this srteaws sees .Bad To Vo. To avoid payig dal fee r a have such fee credited to You it your reed yea modus. Orkg dales indod, you may corMee to use Vow acmrat w it mai having; a Pay The rod rar lys by wiry w pow, sgner Rel?itio s Depa?mme nt us, and pay Wu qsw Bd..W 1. fst (excluding dal nambsrsip feN pdw a tb and of The tbtinY-doy Pew B. N You Close Your Amrerd. You tan rapast to doe yymarsr scrum try c." w CYwreer Raltlor OaPeronrt. Yw sued doom my Vora audit "rMal snd oared ran c aces, aual all preaudedtad burg, and "act Vaal smogs. N you do not Gerald preaWadi bieg arsagrro,s. vo will tarrden reosipt of a danger year male itsdon To reopen Yes ran M coed arrsur. AddMarNY. your soul will Tags you pay as areortta You ere us kduuirq argr varwcdam you have artho@ed, Ounce charges. peat de fees. ovedimh boa, a mrerd paymem ises, cash ad-- bee and any mler ban sese-ed to yes tree- You se II I far Them so amtre wlrow they apper m Youa oceans at tha Thar VM MWM to dose arc Societe or they nee iaaad rENWM to your raq mm m clam the accedes. This may "A I. delta appearing m yea MCs after you have you aoaut ff ft ha already been rioted. For example, al you a admrited a puWS from • ro cart and we Hw.FM de trgraedM Men tha merrhsm after your awaag fors been cl ..4 year aaoovsv will be maperhad, teal se-eras of tha elrrge will be added to Your s-rn, and you w be rwpererralhb for peymae. If Thee is a stathadip fee for voir accout, the lee will C mca to be ctserged. m tha mope pe ,dad by law, wren the sccea[ balance Ise bestn paid n f1 as defined above. 7. vainer Your Aa amd.Yom "d or accmm arro be used n connection with arty "wrot gambling tsneelurs. B. reoslaa Abet Bacbmis Owok Cur .k- When you provids a dueck w paynws, You sudmf. tea a the, To use irdarrrnatim More yo r duck to make a one-time elect-& Maid transfer fear your bank m-r% or to pra"a the Payment se a duck transaction. When we Mtn Yaua deck to make an electronic ;::I= euds espy M wkadrsvwf Iron your bank account a noon a the saes day we -- your psynrmr and rstalve Your duck Mck frwn BILLING BIGHTS SOMNARY OT Caw Of Errors Or Ovm C- Abet Your Big) If you Think you big Is Tarug, or if you mad mow information an a varnsectiwn m big, write to ue on a average sleet a son a pe.w- at the adMe s for wrgedda shown on the saw at tbls stained. We mum Iwt 1sa You m Ism M e0 days afar we slim yea the 5ne be m vTasdr dire areal m Problmn appeared. You can d ear C a omwer ReWfom number, bu doing m w net pmeeee Vmo riffles. M Your lean, give ter the following mfun tea kw your mesa and acsaura number, the dollar amaae d tha map-lad ram. • description of the error and sat explanation, 11 possible, of why You believe Thera is w estm; or it you steed more Information. a description of the hale You am uran abort. You do not have to pay any amour in geruim w ft we an ktveaigmI h, bTa you ON oblpated to pay the Pam ad ymr d'1 that am rot n gwderc While we iwadgae Wva gtrmon, vat -- report you a deOgesm or Tut am aamn m collea the - you ouo.dan. t,t Spatial Rule Fur Cwdk Cad Pudh.aa l/ you have a p,.M- whIT tha quality of pm"TTV or .arTlioes ilne you padrsed wish . creel bd and you news toed In good faith m cmnact tha problem wgh the mesdtrd, you may hie the rfyd roe to Pay T h. tanaving amoral d o m the Property or wrvi"a. You have it. prtnadon qtlyy elan ds ptsdree veer mot then 150.00 alb tha pundrae vas n Vote home mate or WOO Too nilim Of Vota ^u"I wallies. (R we own or operaar The wrdnan, or R we muted you The dvrdsamew fa tha Property w rervicem, all pmdesa e "Toed moardea at amen or lowdon of Wreham.) Please nemreMT to sip all anefpade T". t Qws nor apply to arsaimsr a -cndR cad srcmnn I Does nor apply m bmireas -,credit cad accounts Capital One apports Information Privacy proiwim: ses m white at www.aphalonc.cem. Capital Capital Ons, nrsuW Crrymae, AN dyes reserved. 20 3 rspka One Ot LGLBAK tan. erase Period. You will Mee a minim- grace period of 25 aye widmur Ohrnce ch. , m now Purchases, new b.1- transfers, new, spadd puduws and new, odmr deeps R yon pad War twat ' New B.I.me', In ac"rdseaa with dhe fnpmtan Nod- for Payvmms below. and in tkm for it m be na6ted by Ym nest mmanem doing data. Th- b no paces period m uain edvarcas and rpedai tsrbrs. In addition, tlm,a 's no grs" period on pry vamactkn If you do not pay the total 'New, b.l.-.' b. Aomuwg Fb- Charge. Tnnsaafom wNrh an not :Elect to a pa" peded an aacesed Ounce help 11 irorru the date .4 ds trarraaiml or 2) Men the edam dm trerwcdon Is prmcee I m you Aacmxe w 3) fun Tree fine Wend., day of tha -realm baling pariod. Addidmuly, R you did net pay the 'New Marco' from the p Aaw, brkg pmlod In list, Mane ehagps ankme to smcnne to your unpaid balance ryas the unpaid belais.e is paid in kA. This steam that you my will owe lnan a charges, even If you pay ft andre New Balance ingested on the from of your stmemae by dm alma statamaig clomp date, w rid not do se I. The Previous month. llrpad inanrs nirm- arc added to dale applrabb segmem of your Accaua. t c. %si nsern F Or.ga. For w h being period that Voter accent I. faEaact to a in.ce dug., a mkwnun Taal RHANCE CHARGE .13o.rs0 w be Im . N the teal fimn" Berge -.Akg from " Callon of Your periodic ratel4 I. lea than $0.50. vm will subtract that amoral from V. $0.50 mindmun and ft diNemm a will be biked to the pmdmae mr"s of your accmxs. td. Tatmrery Reduction in F Owge. We wearve 0. rr?egqffTnt to not mesas any or as f- tarps M any given being period 2. Avaag. Gamy Blom. Ihhrfrti'g New P rsTwtl. s. Fnerce charge Is cahadmed by mddpi*V ft aby b.larce of aril segaes m at yen a-rs (e.g., ".h ad-noo, Purchase, special vernier. aid aloclad pun*T-0 by the corresponding daily pseodrt raWW gut has been pnevioudy Qredossd to you. At the and of each day euAg ft dgkg wdpd we apply the easy periodic was or -c h sepnnag pi yen s?esm m flu rNily Mures of eased segos". Thenh rt tha end of dhe bgfing period. we add up the result. of time dNy Waanbm te save st Voter periodic enema lungs for eadh a.phmm. We add up dm '.. reaJts from esdT se:pass to arrive n dial meal Pededfo 'lomwe chmpe tar Voter seam. To gee tha O fty b" for each eeprTert of Von acom m, we take do Oegiming balance fm -c h scorer and add any now nrsaafons and any pod do enema dirge ealorimed on Th. previw d.y's b h- for than segment. We man agamot my Payments or credits peed as o1 that day that am aso"tedj to that repnena. This gives u dal separate daily balm" for won sepren of your ac"TaS. alurvsrer, If you paid Ali New Balance efmmn on your prevlaa statement in 1,A (or if yea new bal.- ass - or • credt amoral, mw t.nenctiors vAkch post m your pscham or special Purchase, segments are net added to The ally M4n"s. We rska/ate to aveap daily biome! by adding as the daily balances together and dvfag de wen by the mere, of the days in tha mmm bVI g cycle. To colccge your teal Ounce champ, daily mety yaw a -be, of yys a in in th by b p.0- T a nu 4 and Dy tM deny anb heeals, da ere wy . period. Due m, rwmag fi a sllgls variarce between tfis calculation and the amot m of IT. It tha code Z m N appears on the from q this gmamens ft,- d- m. --I rhea to 'Balsnee Rate Applied To,' ear mdti0iv dal 4875M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payrtTant is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. <e3 Your account is delinquent. -4 omake protect your credit with us, you need We want to help! -- We can help-but only if you call us. ---)When you call, you can make a free check-by-phone payment. Return your account to good standing. It's up to you to take the first step. tall us! >>> °`? 1-800-479-7231 or"um CapitalcW GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 Account Sumatary Payments, Credits and Adjasatents DEC 12, 2002 -JAN 11, 2003 Page 1 of 1 Previous Balance $963-50 1 06 JAN ELECTRONIC PAYMENT $12.50- Paymeom, Credits and Adjustments $12.50 Transactions $72.78 This is our third and final notice that your acexwm is seriously Past due. Payment must be received within 72 Fimnce Charges $17.S2 hours to avoid action by our collection department New Balance $1,041.30 Minimum Amount Due $541.30 Payment Due Date February 11, 2003 Total Credit Line $500 Total Available Credit $.00 Credit Line for Cash $500 Available Credit for Cash $.00 At your service T. nu Custom. Rd.do- - I. report . lost- stolen Bard: 1-800-903-3637 For fro online arasunt service and sp.i.1 autom. offs, log oo I. wa+.s.npinloneaom Send payment, to: Send ingduin to Attn: Ranimna Promsing C.pit.1 One Swim Capital Oue senior P.O. But 85147 P.O. Box 85015 Rkh.-d, VA 23276 Rkh-d. VA 23285-5015 Account Information For service in Spanish, Please call (800) 929-8137. Para servicio en Espatlol, Par favor marque S00-929-8137. Transactions 2 l2 DEC OVERLIMTT FEE $29.00 3 11 JAN CAPITAL ONE MONTHLY MEMBER FEE 600 4 11 JAN PAST DUE FEE 29.00 5 11 JAN PAYMENT PROTECTION 1-888-527-6904 8.78 "You are a valued Payment Protarion customer and may be eligible for benefits to be Paid to your account :vi rases of disability, unemployment, and death Ifyou have experienced one of these events, please can Consumer Membership Services at 1-888-527-6904 to see if your situation qualifies for a claim. Your account is 60 days past due and your coverage will be suspended if it reaches 90 days past due, as stated in your Payment Protection agreement F-mancoCharges PkaIe arreverscJidrftimfortimrr-fmIoudion B.f-u Piz. C-=,-- EE "&dm l: r k m PURCHASES 5998.74 .0565S%P 20.65% x1752 CASH n m N 5.00 .0S658%P 20.65% LN ANNUAL PERCENTAGE RATE applied this period V PLEASE RETURN PORTION BELOW WITH PAYMENT. V Capffalow, 0000000 0 5291151856361793 11 1041300012500541308 PI.rprood_Fd.d&-m a-,.dr6 V.&A--m66hr a A1.4 i.k New Balance $1.04130 Minimum Amount Due $54130 sm. Apr s Payment Due Date February 11, 2003 - Gry Suu ZIP Total enclosed $ 1 1 Home Pros Ah-. Ph.. Account Number 5291-1578-5636-1793 0 Capital One Bank P.O. Box 85147 116..II.n.lu6.1.11 Richmond, VA 23276 lul.lu III tltl1,n611tt111111 ll..dLtdL..ILttlLal #9001237497863058# MAIL ID NUMBER LOUIS U RICE JR 306 S YORK ST MECHANICSBURG PA 17055-6302 m ? rs I...III...llL.aril". ltsl.It.II....Il.llt,.ttltlllt.ttllt.tl.ltl 20.65% r P4cre v ondeyorc armiod number mymu rbwk or money order madepayable ro CafiW One Bank and mail in 16r erulorsd ma+dofe•. Q 2002 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. 8 0 N O a Pedoec rate. To Swan the arorage they balance for the b.Rfir.hp? dad avert by Uir NNemwn, ve: lake the IrsiW?anThe 10 aaMC each .ea each day ana a1y ro a aadae. (M the ate N Y peprwa. aPPeaR M yea I.A al , slelamAna nee So 'Batwo Ran Applad To,* em I- 61-0 cry unpaid fnsrtce tail. Intdnr I in the balance of each s?raM.) This Oawe+ s the daily balance of each ssgmen ? baling po? AM fof by She My Wuras? each mw*w of days in b biding pedW. This Vms AS the Average daily balance W each ag- 3. Mahal Pemayage (tales fAPRL A. The raw'Amead Posco age Rne• may appear AS 'APR' co the hom .1 this emwaaR. b. N to coda P p:rnW. L f3- UMM, C ICemficat of Depoait, a S (Brirard Prise) appeaR on the from of Ida Momma, non to pthe pedodc na aw, the ped"C' MAN, and affil ANNUAL PERCMAD RATES nuy wry 4ummdY may irctaar wr derxan hosed on a. Noted id-, w dated in TAe W.P S~ Jorarm( plus to nArrgn pmvipsly diml.eed w you These Mrhpea will be efbctavs on the AM day .1 your bMV pealed comrad by Your periodic s as aws adding in the made Jrassy, Apa, .UolY and OcR6a. c. If the code D ?he,tel. F (lyre. UBOA m 6 p+ad. UWA Repriced Moldy) Appears a te==- And smadwr next ta the Pdodc ra1.W, corresponding ANNUAL PERCENTAGE RATES may vary raw-MY and may nowe a daaaaae based at the sated bdcas. AS towal an 7Aa W.0 SoAM Jean( pke the magn PmNaely d'sdmad AS you Tfee duni.e will be mlfeclke on the first day a yw big prated SAN moth 6. Ammssad one Lan, 0-dindl and Rabned Payatad Fans. Your ,own will be .sseoet he Rome One two .1 the tees lined tam that owe dwirg any big parioc Under the renal of vow stabler agreement, we waema the tyre 10 w.1- or nom m aas.ss Any fade -hbAW prior rrdfaaadwh io vat wit hwm --V cow right w aces the weer a a"or ,t A btw mom 5. wwig Yaw Aewt M • mo ant. Vo fee PPAAAA - the from W this t wen data stnwnwa. yon how 30 days ays ham the he tae this sagmanan, was eraiet m you 10 if yo pa cancer the too A, c to o . how such this dad to you i1 you arch vow Account. Dunng g y. pe ye rod, you may COSOMAD ea n .ere yaw aCalat w occ ter. t. y , Pay the roomrotl X90 CuCuNr Rdatws Deparmera and wY yue New Bdwss- bad *M fasdrdrg tam mambarwdp fad) Polar to am end of nhe WRy-dry peiod. 6. R Yea Caaso your Aemw& Yet; an npmp b dse raw amann by rig cow Glimmer R bd- Depemswa- You ewa dam" your deck randkl and accwn arse dretc, conical ¦ pmwdoized MOM. mod c...e raw aeawt N yad da eat ronel peaW anus. of of a charge MysSA mnhD ss, ion ve io wA mopped Vote Votr romp s ccoasle tear Pay A Amounts yaor ar aaaacAAn wA co[ be You ns ail eoran you owe es i dnh anq the f- 0you love out A fa en c - an q Pest ad ices, dt res . rw tase, ees, r Sah advans des and any odw fee d fees d to yw swam. Yo. am reaparib for theaymadmsa finance od these a you a Carey appear on vow aetmunk in the Time you aetlantmi 1. to Net W tom the acomov a they tm TA MAgew, vow mlpsa 10 ar cl does am ocaccoo. hk may Ray sh At Ch-Mao Appearing on you Actaaa .fie, Yea Irmo your acoaa% if it hasalwady been dosed. For acample, If you AW-kAd . peachaee from a mead- and v.e ,.dive W twn-xion from the mantra After your aecmaa has been Bond, your axwt wA be ,ono; -, dada wastes of the M.r¢ wN be added . yw taps, d you -A be mapmelble I. peyuera. N arm is A a w rbwalip fee for yea atsohn, the Im will coaeere n be duped. to the went pamdtled by low, Wail the aceoun bd.- has been paid in &A As I A above. 7. Uckhg Yw A Lied.Yw cad or aeeowa canna be toed n romwaron win any Internet pernbli,g nrarsaaios. S. NNke Absk Elaeenwde Check C.-mia , When you provide a check ad peymwa, yad s nlsdza s either to s Waasaim from yaw check t. wake . oro-arro .kctrwdc fund Traub. from yea bank Account or to process to payrrwn n ¦ rzsek trarractian. When we We Inicamanlon lrors vow check to nuke An slonnaic IWO trawled. kads may be widaiawn I- yw bank a court As soon as the mass day we mcake your W .-W you wA ro1 mdha vow trek back Ilan yw fir,tdal Aratr.aiwl. BILLING RIGHTS SUMMMY Ida Case Of Errors Or Caos ion Abma Yw BNl If you Clink pear bar is *!am or if you reed man iaomution on a traresctim or bill, was to tea on a mpersm hw AS soa ss Possible at the add,- for epdaes sown afar fawn of tlhk aw a wwm We nwN from hear ou no farm than far armor Go days after we salt you the first bill on o pmtlarn appeared. Y- tan cal ate Cuaoaer RNaio s mae6ar. bw doing will not preserve vow ddea. In par later. give s am fdlownp atpm . vow rums and ataaum mrnber, the dollar sahaan of she asq-tad error, a Medp*. of the .- And An elplanilM If poodle, of VAW1rr you bellow thae Is an acre; W it you rand Same infnadatiwn. a I iption of the here raw am Veen about. You do not tow to pay any a AS n gW AAMen wHk we we iwripatinp it. but you an pa bi o y the pans of you bell tm am not kwesipne yw tls•faan, we rarAtot report you as deempeart or bk. Any action AS cerax the mpsn you rpsaion. r,t Speclal Rrde For Credt Gm riadrs If you love a problem with the quality of property or so,wont faen you pwcemd with • erect card and you hove teed n pond fWh w cwrwa to pabaem with the A-chwm. Ya may ties tee right one to pay the ,making .ahn due ad the props y in a.nfoo. Ya five this P"Now, only wren yon Wdeae pipe was wore than $60.00 Anal the psdrm was made ran yew beem slaw w -iddn 100 nines of Yost mNrnp adman. M we own p' aper.t the merchant. a it we muted you the ad-Mommas for to property or -Wass, .0 purdmaee ro covered regardless of anotem d larataan of ptecheae.l Please nanombsr to sign ad correspondence. I Does err .Pray n ca Atteadr roe-vep?r card -.We t Doss ne apply R ..eLea non- ta* card acrowas Capita One appals infewallon privacy, protection: sea w -abort a www.rippiitWca-cos. 8:: err k a 1adar ry nsgislarsd aeMca mark of Capital Ptt Corpomtbn. A4 rigird remrwed. a 20IGLeAK 1. How To Awhd A Fare Charge. ton. Ores Period. You wadi he- • mhirmam Paco period of 26 days with. frsam praehaas, new bhsns 1mRbR, -= a and new otw duW if Va. Pay You tarty ' Nsw Balarhea', n accordarv wain the eoparkem Ilodra for p.W-. below. ad in time for it to be wilted by yaw next summers tlosihp tan. Thee I. no grace period on rash sdvaros ad apadN traebm. In addition, them Is co Waco period on any transaction if you do not pay the tool "Mew esl.n d: b. Aaptig Fihara (ihAnge. Twwwuicns which Am nor fr to a eras period act o m the dupe 11 rron om tai the data of the transaction n at or 2) zl from ad data the f.sceat k poco.aed W Yaw Aeewslt la 31 from far fie calerd.n day of the "mrs bilinp pedod AddtiesMy, 11 you did rot peY its 'New Bathe' from the P-4ahts Wlfinp Parsed in Ina, tihrce charges coweae to acc m to Your tep.lo Irbrm Inal yw upold balance I. paid in ke. Tlvs mearo tst you amyy ail owe brrrrd drrpn, even if you pey actin New Balanhca edrrted on is fan note Na.-- by the rota w doting alma, but d s not ad for the prevaas k finance of your am added n the 11 " 1.9w rs Unpaid a r or each bal Yang aw A wa- Ae For each period that t c. Mnnacc Fn a Char". d in you kNC is NOiect n , firwrace tibim • nhinnhiru n tack R nM charge road" al 100.50 .50 th.111 e be ficwcatiin n . If O the Case i ernee rings an $/ .50 the applio of yaw Periodic M racks) IS ken than moo al wA atlract that emotes frwn fast 10.50 rnidmad arm the e/(emnce moil, be hired to the purchase aaprwa of your cc-M t d. Tempwwyr Red fien ' F tlrrya We maerve the d¢a nP - any At d a- d .M. fa any iiwn 2. A-tgp, Daily Behrma Iksokrdag New Pudraesl. A. Fnune charge Is cakdete l by A ddelYfrg the daily balance of each segment of yon accosts ft.g.. cash .chnance, purchase. Special transfer, And b cwraepwhdag dcky P.dodc sets) that ) at pmMorWy diMOaed to you. At the ad .1 adM day dNng the Wing period. wee Apply the eery pariode mte b each s g-M of you acrauA to the daily bd- o1 each adpnem. Then sl the and of the hip Pedod. mom add hp the mail" oT tlrae daily akulmipn. ko ardve a your P.riodc ti. doge i.r adM .eiemm. Ws Ate era tM reasls from each AM AN to aase an tad MM pada I Fssnce change for yow accoun. To Oaf the dally balara for each men of yaw acsws, we take is balance bad heprrhig each mgprwm and add airy roe tAniK'ywe da•A pedaco femora dunce calculated an the p.A- y Iawrraua agnww. We d- s6rnd Any peymaaa or cods pawed AS of tut day thew Am aroaw to that sepnas. This III- b the aspAan dMy bdaere fo each.eo.am of your socca n. Nowewa, N raw paid the New SM alwwn on your pm Aarm matewem n kal Ion it yw new Worm was zeto a a cook amoup, new trarrantpafs which post ono you pudu.e At Special purchase Iasate the nmrage dairy betana by adding ad the easy babnes together end ewfdaq the awn by the number of the days in the aarert brig cycle. To calcadow your tool Cheraw charge, mhdlipiyy your awaragt :01 y b.lenhce by the daily pedoee ran and M' tad nhanMr dan n the big period. Due to rohahdag on a dory basis. them may be . Slight vadada between "Is talcdetiah and to ,eaten of firhsnc?e durpe adWiy emssd. b. If the coda Z or N appears m Om from of 2" Sidemen xt 1. "B.1- Bas Apphi.d To," -m naddply the K-11-Altl :I Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. or3 Your account is delinquent. We want to help! -4 To protect your credit with us, you need to make a payment. -} We can help-but only if you call us. When you call, you can make a free check-by-phone payment. Return your account to good standing. It's up to you to take the first step. Cast us! 1-800-479-7231 Capitalcw Account S Previous Balance $1,04130 Payments, Credits and Adjustments $25.00 Transactions $7336 Finance Charges $18.67 New Balance $1,10$33 Minimum Amount Due $60833 Payment Due Date March 11, 2003 Total Credit Line $500 Total Available Credit $.00 Credit Line for Cash $500 Available Credit for Cash $.00 At your service To adl Customer Relations or to report ¦ lost err stolen card: 1-800-903-3637 For fi-online account serrim and sP." aatoma E.., In - Send Paymans to: Sad inquiries to: Arm: Rtmiminoe Proaasirsg Capcal One Saviees Capasl One Saism P.O. B. 85147 P.O. But 8S015 Richmond, VA 23276 Rkh-d, VA 232854015 Important Account Information For service in Spanish, please call (800) 929-8137. Pan servicio en Espaftol, per favor marque 800-929-8137. m m a GOLD MASTERCARD ACCOUNT 5291-1518-563&1793 JAN 12 - FEB 11, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 17 JAN ELECTRONIC PAYMENT $12-2- 2 03 FEB ELECTRONIC PAYMENT 12.50- Transactions 3 13 JAN OVERLIMIT FEE $29.00 4 11 FEB CAPITAL ONE MONTHLY MEMBER FEE 6.00 5 11 FEB PAST DUE FEE 29.00 6 11 FEB PAYMENT PROTECTION 1-888-527-6904 936 "You are a valued Payment Protection customer and may be eligible for benefits to be paid to Yonne WX01111t in cases of disability, unemployment, and death Ifyaa have eperkriced one of these events, please call Consumer Membersbip Sens at 1-888-527-6904 to see ifyota situation qualifies for a claim. Your account is 60 days past due and your coverage will be smpendtd if it reaches 90 days past due, as stated in your Payment Protection agreemeat '°`Capicsl One proudly supports the National Youth Anti-Drug Media Campaign. PARENTS. THE ANTI-DRUG. Stay Involved - Ask Quex ns. To get the FREE booldet. 'Peep'ing Your Kids Drug-Free; call 1-800-788-2800 or iisit www.MxAntiDrugxom' Finance Charges Pkarermreu sialtforimportantsnfmasatma B.?,r1t Pa;adr (°'°p°'1"'t FINANCE ?6rJb rat dP ?'j??jGE PURCHASES Sl^C47 .0565896P 20.6596 81867 CASH S.00 .056MP 20.65% t.0D ANNUAL PERCENTAGE RATE applied tlm period V PLEASE RETURN PORTION BELOW WITH PAYMENT V C`'wualowl 0000000 0 5291151856361793 11 1108330012500608332 New Balance $1,10833 Minimum Amount Due $60833 Payment Due Date March 11, 20M Total enclosed $---1 AccousrcNunmban. 5291-1518-5636-1793 P er ?.i .ds.w?t. ..d?ng,k?raare? watkiaL 20.65% S_ Apr. 4 Gq Sou ZIP Home Ph- Aha.ase P6ooe Emd Addma - #9004337497863053# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 Ill ll I lIl I aD 306 S YORK ST m m rn w ,-t Richmond, VA 23276 0 MECHANICSBURG PA 17055-6302 v Inlrl nil mils lisultllnllusllnrllwllurllnrllusllurl ° InrIllmlllunlslulrlnlluullsllun s lsllluu l lnrlrlsl Meare mriteyarsraavrmt maberonyatarda# or money wki,=s *jsayabk to Gpdd OneBasrk midmailin tot tndartdenvelope. F Q 2002 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. t.. craw P.M. You wAli ha..... inun grace period o1 25 days vrithm frnantca W an new puelrses, new Glanha tnrsbns, new apsual pure mr and new odes chem. H you pay you total •New selane, I. eaorde ce wmn in. knportss Nola be- peyerene below. aid I. time for it to be cmd d by your scot sterner tdskp data. Them I. no Pao lie I on cash adhere and special traaf m. In addition, den is no Pa period on airy trrraction if you dot nos Pay the teas 'New balance.' b. Aeensry Fsoa Chrga. Tommeskerm vrch am nos aubjecl to • grace period ate assaaad gran- Wage 1) from Use date of dte umsection or 2) butt the doe the trawaadon Is prmwed to you Accous or 3) hem the firm calendar day of the nvrtara bailor gaud Additionally, it you rid not pay the 'NSw Bh-na' from the j-'Aca c bsip period In hll. Rance Wrgr cemrste to acne not yes mmpald balance rail the unpaid balance I. paid in full. This mess that you may shill own fshentce W gtss, even if you M the ertlnt New Balrho Yldwrd m tM fairs of your summee by the rhea aewws ndo-inq doe, but did not do r for the PreNots month. lepsd cane Charges am added to 11o regnant of you Acctors. t c. eukmah Fn.= For each biFq period rat year aecars h aE(aa Is • bake Charlie, a nhinknr teas RNAIJCE CHANGE of so. 50 hA be impa..d. If the tots fiance data nanhfng ham the appieatim of yes Periodic raees) I. her then $0.50. M will wbzma chat Imotat from the $0.50 mhbmrn and the dHetotce vac be billed to the purchase aqrser[ of your acorn. t d. Temporary Rwiudhn at Fuse Charge. We rerrve the dpM lonot dasses my or ag francs Wrgr for any given 2. Avrap. = salsa Ikakdkq New I?lydhasesl. a. Force darye Is calculated by natchiplying; the dolly assns s-ch aspnrs of Vote .eroh.t le.g., ass -divan-, , purhas, specs tnnale, ors specs pudrm) by the pen.epsh6hp daily Poriadc raWit) am has been At the Y pe.twel you the dry rip at mch rate for each aagiMt of Yovr adotae m the ttaiy Dslarrs or each sepnant. TAon ar The and of the balance Period, M add w the owls of theme do cmna-tiars m arse a Periodic fmmnes chartist be- each .spur. .:W UP the rowan from each rPwre re ."I_ at me teas P.. iearce duty- for yen scums. .004. Nay hot.- for each sepnent of year acetors, M cab the beglming balance for each sepmes and add my new to ermactlons and airy periadc frrnc?s drtpa esudamd m the prehriooa hay's Glance for tat segntsst We than rbmct any paymarss or nn-dts pored a of tat day the an allocated to that witness. This ghee ve tai rpame daily balance for such , Is of your accoars. Novrera, it yon paid to New Be- drovmh on you Pnvtow atabret in fill I. If year new bmhnce Ma zero or .credit areaurl, new tnrrodtohs which pat to yes pschasa o, apaNee pueass saprms an rot eked to the daily hot-. We calculate the -wnga they brace by mi*V Al knot dally b,d- mpaher and diving the rear by to number of The days In the anam billing; cycle. To calculate your total frnncro change, mstipy Vow average daily balance by the dry period. eta ant by the number of hays I. the billing period Dun to .-al, on • defy Dsmh, dun may be . slghs variance between this alcrlatlarh and the a rotas of Where Wms anawBY .seeased. b. n se rode Z r N appears m tG from of this oatercern near to "11.1- Rate Applied To,' M andtiply the b O .- N periodic raze. To obtain fie ovempe daily balance far the bAinp period commit by this aatene eat, M take the bepimrup balance of each segment each day, add any transactions to each eaPrrm. o d stbbacr xy psY^mes or credits. IH is coda N appears on the front of zHs staterrom need r'B+lace Nate Applied To: M also wbtmer any upid inter e chary[ Included In the balance of each asPnse.) Thh pea r the dally balance of each rpoon. Then, M add c p period all rd Qh she for each r bbl mmnbw of days ?hg period This by phm m the average daily become, of each sag eae. 3. Arras Percentage t esm (APBI. a. The tome 'Amin P'wcwaage Roe' rV appear as APW on the loom W riot etatenenar_ b. N theads p i p rirrq, L (3ao. 1.11100R). C (Gnifrceas of Dspohd, or s (Braoard Pdes) appears on V. bore of this beams, scot to is pw ft nrelsh, to periodic oar std ronnfJOrl I ANNUAL PM.811 RATES may vary auarWy yrh Y Ion w r dxoaw bawd onthe acrd I,as, as lord's r W-/ Sere- Jre+K far the rmW peviraay disclosed to you Thew ri be etloctiw on to fie dtry of year, • ? October. c. H the code D (Pam). F 11 aro. LNIOIO or 0 (3- LIBOR Rapnlned MraNy) appear not the from of your om= ran b to Peiadc ratala), GE Pdodc rasa sed eon ANNIAL P91CENrAGE R41TES may veal mrsfly =_y ft__ r deoeaw based on to stated khdom, as Fred I. The We# Stream Jamast pits the margi lres edy dadosed to you. Thee changes vA be ellactrs an Ohs rim day of year bilfap period each Tessa 4. Assessment r Lab, 0-efrntt and Reurrd ?aymart Fora. You earn nill be wsmed not mote that two of to be- Road hem that aasr drip my bhp period. Under the terns of you ctec onmt agreement, M mane she rig, to Mies or not to ors any Ise wtthom pda notiatim b you wHhre wahig toe- right to assew am same or similar lacer clawAaeaot. . 5. at aYes N a rloncent, menclassicip be here -Ppears m the loam of to aatae 30 hays 1vn the data his atecommare -h fa yor mated you to aid p.the Ida a t. o la he- ve such fat to yes If you can., year aat. Dukh tie r may ranbam to law you scan Ing, i credited Y ves to pay the afthout maify 1st conod voter, u account. y yes nut notify - tai by of eainq sal Ll CLatenhe Relations Department and fay Year "Neu pdw to the and of Bhrro' in of exh thedhdep to 8. H Y^ R w A mtrk. Ym cm aeglnr dose yYeatorr sate[ by aaenp mar C r Raladom Depannet. Ym blase deazmy year ctedt csdW and .coat awou ducks, c ommi as preahdvlaad bang, rid ame hae?hgsYyagm .hah.a n yes ao not cmo.f pda. of af dirge you abha&sbart se err year accpnl. Ad6darrRp. ver arcota t va not be closed ud1 yes wY ail amens you ome us ilckAW any Trarwcdas Yw haw a=scl, Tina Wegas, past alp fees, owdeaa fires. manned payment teas, oat :d- alas acl any adv Iaea assessed b your cahat. you sm neapat - for thew awmrtee vdotMr they appear on your sectors m the tkoe you request ro dose the atmn or they en ktotrtd mbaepmm to your mcpaaa to dose to armhst. Tins may bait in you tcceas If It has already been closed. Far ewngie, H you monetized • purchase from a merchant and M new recdve to n-r-do. from cta merchant after y- aecvun has been closed, Vote- a.rout wig be reopened, the arras r to Urge wls be added to yes acocum, and you caM be eeaPOrs61s for Payment. It there is a ma n arras ip fact Ion Year access, the Ise w# mntim e to be dunned, ro the shotse permitted by Isw, uWl the accoant has been 7. Using Your Aewrat.Your card oin AA as defined r seeesw abut show. red to connection with any keen wmNi,g Ira.. ianl e- Neese Apra Elsrsrae Chock fawrain Vllhen you provke a chock as p-ptmm, you authorize ss either to use innfoamemn hr you dock se make a me-risen Warne fired Im allr from you bank acre[ or to pea a thepapnre as s cock tnrraNea Whrh M race ? lrowne . k Imo Your cheek to make on elearonc may be vitudaM Imm you bank seeour as seen as the arm day M mceeve your p.ymrs, .and lie ail not wcsve your dhsek beck fmm von in .an iatntu? BILLING fltfilrS SUNINIARY (lo Case Of Ernons Or Ouedoce Abtoa Your OW It you clink year bill in vamp, or if yw need more i fi-ne fon an • tarrcriorr or bill, write to w on s m isomer, sear as soon as passible at co adder be- ..W- oh- on dal from of this a- We boa Mat fees you no later char 80 days she M sent you the and hill an which the err or Problem appeared Yw an call es O Besse r Relations n mbe, but doing so whit not s?rve_ yes dghm. In Your latter, give us the MovAng ya rasa c d anrouns ..new, ch. dollar some[ of the shspected err, ¦ description ego error ad can iplrinim, H pdbls, of why you besew them Is or H you reed eve i i-tw on. • ileac I in of the item you se aura abe- Yau a not hew to pay my somas in portion v40. M are in...alpolkV it, loot You one ass abipatad b P!Y the peea a Yee his tat am not kt gloaera While M aweatpate You museum. me amot mism you as tlsanquent or take any action to cosec the -moms you question. i,t spelN R/e Fr crude Card Purchases If you hew • problem with the quality crI property or services that you pWussed vdtlh a cmdt ass and you hew rod In good teeth ro corms the problem %om the n me ho t. You nay hew the right not ro pay the ten irmi; snout that on the patiently or w Aces. You hew this psem anlyrr Moth tai padre lira Ms more than 350.00 ab tlr pueuw we-: in year home scats or vrithkh 100 din of you.as1Wry address. (if M awn or apsrge the toerchart, or N act m&W you the ed.etirnas Ion am properly " .1 purchases are rohened nepsNess of smear or location of pnchsw.) Plssae mamnber to .an as ormyantde ce. t Aces no selpy b mnsrm.r -CAN ear.eroura I Ds M app0Y b b-I su roncrodit card oc-,nis one appon s inrbasaion Privacy promcclorc see our ngiaeM service mark of Capital M ripmc rssened. a 2OD3 OILGLBAK 461 RS Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the some day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. or3 Your account is delinquent. We want to help! i TO POO. Call I m3?= -4 To protect your credit with us, you need to make a payment - We can help-but only if you call us. - When you call, you can make a free check-by-phone payment Return your account to good standing. It's up to you to take the first step. call us! 1-800-479-7231 CapitalQne• GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 FEB 12 - MAR 11, 2003 Page 1 of 1 Account Previous Balance $1,10933 Payments Credits and Adjustments 525.00 Transartioin $73.95 Finance Charges $22-51 New Balance $1,179.79 Minimum Amount Due $679.79 Payment Due Date April 11, 2003 Total Credit Line 5500 Total Available Credit S.00 Credit line for Cash SSW Available Credit for Cash S.00 At your service To u6 Custom- Rdatims or to report a lost or stolen m* 1-500-903-3637 For hoe osJ;ne .truant ses.im,nd sPeaal mnom- ohm, kg on t« rrww.capitaloncam Seal Pymarts to: Send inqu'via to. Artn: Remitt, Proc-sing CaPiw One Seine- C.Fibd One S-.im P.O. B. 85147 P.O. Bus 85035 Richmond, VA 23276 Ridunond, VA 232SS-5035 Important Account Information For service in Spanish, please call (800) 929-8137. Pan serviao en Espabol, por favor marque 800-929-8137. Payments, Credits and Adjustments 1 14 FEB ELECTRONIC PAYMENT S12.50- 2 03 MAR ELECTRONIC PAYMENT 12.50- Tromsac6ons 3 12 FEB OVERLIMIT FEE $29.00 4 11MAR CAPITAL ONE MONTHLYMEMBFR FEE 6.00 5 11 MAR PAST DUE FEE 29.00 6 11 MAR PAYMENT PROTECTION 1-888-527-6904 9.95 "You are a valued Payment Protection customer and may be digihJe far benefits to be paid to your account in cases ddisaLility, unemployment, and death. Ifyou have eugxrienced one of these events, please call CorwsmQ Membership Services at 1-868-527-6904 to we if your situation qualifies for a claim. Your account is 60 days past due and your coverage will be suspended if it reaches 90 days past due, as stated in your Payment Protection agreement. FrmnceChargess PtreoesaerevmsiArf,i portenttiforr-diagn ?b? rr d ° CHARGE X PURCHASES SUU76 .070%% 25.90% 92251 CASH S.00 .07096% 2590% S.OD N m ANNUAL PERCENTAGE RATE aFrplied this period 25.90% V PLEASE RETURN PORTION BELOW WITH PAYMENT- V Cap"alow, 0000000 0 5291151856361793 11 1179790012500679790 New Balance $1,179.79 Minimum Amount Due $679.79 Payment Due Date April 11, 2003 Total enclosed 5 -- 1 Account Number. 5291-1516-5636-1793 p.i.r_&W 4bm msv--.9r .V. kkom wM_-41.-k yak Saws Apc s C y Sue Zrp Hone Ph- A)- Pb-ie e EndAddr-e 89007137497863054# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 111 llllnnu111 1O 306 S YORK ST mass m Richmond, VA 23276 N MECHANICSBURG PA 17055-6302 11111,01111 loll.. IINoll Ill. llntlhullnrllosl Iss.Ills..ll.... IslsslJs.lI.M111linuIItIIiunllts1.111 Pkme write yore account atamb-ore yoiv cW ar wa sey a role saodepayahk so C*Ad OmBmot mod mast too Me eackweafenwdofie r m 2002 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 8 o 0 f N o ? N pOleft one. To Obtain lit .-.go daily brace for he bifittg peed omaaed by this watenrr, w take the be?rriry ?we of each aeprrem each day, add any new vamsactrea a act agates, ad ebeac any Payments M [await Of 1r code N appears on the twit of this walatsrs rate p'9aletoe Rote APpld To.- we al- St"Ims my apald fi'hwnCa c dap khcnded n tlhe balarca of each ayeem.) litre fill ws M the dWy boomer ad ach T1sat, we add No a hie site for "Ch far 1a big Pascal and dvtde by the tai number of dtye in lib big pedal. This Paves a tit mmew door baa Pwar Ra¦s 1 'mD . Anwar a. The Lean -Awed Powwow Roe' may appear as b. H flat Cade P fpima), L Beast. UWRI, C fronifiote of OopoNU, or S (awdCaW Prime) appears on hie has of die atreem" saw a the psdodc nub), to pedodc rata and aeraaoatirP ANIIML PERCENTAGE RATES ad may it- or d- based Its otwod?idms, a tend in TM War Soot Jomme( pits she rtrdra ptsKwaly deelosed ro you These will be eRecire an he flew day of ymr ii prJerArogdes i tie miser ? Pyour K woramoom ?n0 Oclabat. c if the cods 0 (Ydan), F (I+ U WM as G 43y LIBOR rMPdCad MmsUdyl epps?w on the from N Your steam nevi se th pedodc me W, is Mriodc rota and rsnepeunp AmmuAL PERCENTAGE RATES may wry, nsddy and aaty imaeae w decaaa based on the stated khdm, s /and kr 7M Wall Seew jaw"M Pka the margin ponim dy located to Yalu These d-*- %A be all 1 an the shot by of your big period each rr .Ids 6. Anowaed N tile, Dwbrk awl Ramrod ?symst Fm. Your ocean will be annond no are tan two of the fees based here till atar dig any big period Under the nom of Vest aYawaw agasaners, we mote the rhea 10 vwi- or not se aces any fm wfthcts pia nasLUtim W yet, wiUaas wsishq we irate to -the rho a similar }}eeoem a Isyou mfame. 5.peom on fit Awed. sr a gm . Yip lee .p bon N this t¦terawr, Y sou he- 30 is delis this he =t- on o have ewe maid ro You to g tit ties o a Isye such fa tee yo to you peyh T you Carboy Yak accost Dhrkg his o you may l9adlmrm ..mss gar a®ras wMau1 vino k eat ya peg the 1a. Toescs gar atsaas , ouamen rmdfy - p w M opirhg and he Oretoeer Minima the at rd pay pmr l PRPss as is do In kA le¢lu6v is er ckap r and o the 7NnyOp petted. 6. N You ouCloaeyv Aee•ed. You ran raepsw to dame Zamour by calling wr Ctlaar Relations lmamL Yon s¦ew deoroy your oadt Calla) and acrnhne arms ducks, cancel ad paatdmimd biq, a f =W===! t:. o rot esrcd Pswal tsrhods aeawnAdddony, you across vel or beet N a =my ou Pay ail season, ywa ono m krAmd rte any aias you hie oaidzed, rnahce carpe. Pas da foe, owMri fees, Obsess! Payment 1st, Caah adarce fm ad wail der fie same d to year atxwt. You as taprteale fw tlsse alnonsts whetter day appw on gar axawe AN the tea Von relpaW to ewes the aawm or flay as ached oxb onseent to ehi ratpanr m due the a Y sane In rile ?ppeedg her ysu acomsm if it has already hen coed. For eremple, N you ovd- al • Purchase from a mewham and ran rxivs the trwracslem from the ma ch m after your account has been dad, your accent anal be ooprhed, the smart of the dive W be added to your setae[, and you yNi be m?rrrsrble for paym em. If thee is a Pa. . ' IF In IN you account, the Me wlo cordkes ro b crrgsd, s the event pemrined by law, unN Una boa o ONaira hn hewn peal in tuA n daRned avow. 7. UAV Yme Aeaad.Ym r um a amzunt Carash be used In cwsactuo wib any -- sand" 'mr.-tlmrhe. B. Holies Abort EYdrmde Croak Cenwsfwh. When you provide a disk a Payment, you euhoise us either to tie ird-lion hew you dick to make a ane•tiem electronic fond frarslar nom you hide account a to process the Payment as • Mock transaction. When we use ? Vhlloonadon from your check to make an ele nOw ray be widdrown from gar brhk acaoun as seen ea the sass day wa reodw your PaymarL and you hod non nwehe your deck back from your firrcial kheluion. BIWNG RIGHTS SUMMITRY IM Gee Of Errol Or Qualms Abets Your Bill R you drink yaw bill I. wrong, or if you need mo e "_Kion on e transaction or bill, -he to w on. asParda Mast ea noon as Possible at the add- for hnytddes Mown on tit from N this slerrsm. We must hear from you co nom the r e0 days after we rem you the Ron bill on rA*h the sour a Problem appeared. You can .Al err (Names, Wodotr number, ba dokg se will not preseve gar dghm. M your loner. Pie s dal foO.Wng nlarenstfac gar mans and account number, the dollar amount of the auWeded error, • description of the error and an explanation. If paWe, of ydry you believe there is an error; o If you need more Imam ation, a deactpion of ,he item you we hnahre Mass. You do not here to pay any awhmra in question rWA& tiro as inwerf9mi g It, but you am ON ~ad,. pay the Pans Of your ben that me not in kpmMien Nail. we km'medPS gaits hyaadon, ore ramhoe sWe you a deMpnwt a tea srry amen ro toted the arrhohn you opaatiot I,t Spedaf file For CA mh GM Purchase ; If you he" a problem vAth the quifty N property or seniors Nat you parlors f Wien a medt od and you hve trend in god UM se ronec the problem watt the nhetdhsm, you ray hue lire right rod to pay the n nuking mar[ due en the property a services. You here this praaait" aiy tdhrh lit ptacaae price was moat the 550.00 ad tlr pnrMase was made kit your hors sure or within 100 rNa Of you ;=add-. (If w own or operate the mwMrtt, or ead you tit dwardwnent for the papmly a serrios, of purchases roc mted rep¦rdes N ¦lnaan or location of purchase.) Phase renrnbr to afph en oonesperhdernte. t Does not apply to ssaaenmr non-Cabo two accounts s Does nor appfy to be*- mron? rot -d accorrda COmed One ahppons inbrmdon pdracy protection: bee aim wabhe w ww.v._ hak? team. Ca Ora w a federally registered service mark of Capital One Feancal Cwporaws, AN ". maenad. 0 2003 capital One OILGLBAK t.. Or- PwiwL You rAN hve i *is- pace period of 25 days without financ=P=- w powla aw row bla,hea tsrslmo, maw anal nsw mew durges If you Pay you total 'Now fialree', in ccordrha loth flte Important Nplte 6r Payments below, and in toms for it to be melted by you nod smarms closing date. Theo Is no pis Period on calk adaras and aPdM trarslars. In addtien, flan la - P¦Ca Primal m any !or snmion If you do not pay is tmal 'New balance. b. Aaautg firms Change. Tr i- wd*:h am nor vAiect from to dme the traasaion a or 2) no fr n tit dmo the l transaction is proceed to you Armmad or 3) Iran the first c¦lwdar day of the roamed WSM period. Addti rally, N you dd not any the -New BVINCS' how the perms biding Period In IW, fame dupes anYar¦ to arms to ymd topoid Merits u l de vgid b¦1¦rce rs pod in kA. that ut you may atlo ota 11- h .9p.4 even If This yoU Pay tike ends Now aoecs kdalod on the hwn N your safterant by the non easho a alt cloig date. Ins dd not da a for the prwirs month. Unpaid Imance charges arc arl0ed m tis appic¦bla stphmam N yea Amara. tic. Wonsan Fomaewou Clh?eeactve. For amh big period that V_ fdIUNCEsCHAAGE o W IM" 1 .50 wil?be npoweLH the total Force charge ranking free flat aoofutvr of yen pOlodc mhos) Io m then 30.50, mite wi aub= dvt ¦Ithela0 Iran the $0.50 matinees and h dfMeres wan be blob to he prchmm sagmle[ N you aocoum. t d Twrpoary Rwitmil n n F Chang. V1. reaeve the =O ndaodaaoen any o all ina ce hmq- fa any gk- !. A-qp Dsiy aWrw limp- - Now Nreoeosl. a. Fbtrce dunes Is cNWnsd by a/dpging the deny, balance N etch sea- N yma oast le.g.. Cash atrance, p tchave. special trarelar, ¦rd special putdnsee) by the comaspondnp deny, pedadc sdNi that its been p-imndy drdoeatl to you. At the end of each dayy dump the bil Pailod, we apply the sky I I I rat /or solo sepnant N You alma a dal Yalarnca N eeM segwent Then an the and ol to plod. w add tip the ;; L6 N thaw eWy ealaladar n ardse at gar Po k -, fmence how par osM aspire[. Nit add W the eauh from onh sailor to arrive at the bull periodc erhsnce warps fa you aoaurd. To got she deny balance, for each stlprsm N yes atcolad, we teas to bepkdhg balance fa awlt sefpnrs rof odd any raw tmrae N- and any oembdc Im- doge .d uh*ad ends petiotm day's boost for that eepnrd. We then subtract any ;:=m s a ces6lo Paul s N Nat day that am allocated tsa0ttms. Tons 1llyas s mks aeparaa deny bM.- la eaM oepmws N Yost -u" hloraeet, ll you the New Biaru ¦tshwt en ys Pat wlaaws H I. if Ymtr new balance wa zero we melt arnouhU, new trarxactios which Pew ro your? pu ncrr a y-=hbl uIN s tba-W duty OswrCl by adoling .0 the easy be].- together ad dhid,g the wwh by she mores, of the days in the marere big cycle. To oimLm vac total 5nanee curge, nwldplt;#. ou swage daily bol- by the dairy non and maabar N days kl tit bill., peril Ga ro reunargensr JIG/wfan deny ba¦s, tbamay i ¦ OWN tadncte belheaarl tib and the Names N finerce Ma acttwiy woom ed. It. Ift the code Z or N appears on the frond N tub sL ormat v to 'Bob- Rate A"" TO.' won esstlpy the .. 31256M Important Notice: Your payment will be credited to your account as of the dale we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3-00 p.m_ PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. or3 Your account is delinquent. We want to help! i --4 To protect your credit with us, you need to make a payment. - We can help-but only if you call us. 4 When you call, you can make a free check-by-phone payment. Return your account to good standing. It's up to you to take the first step. Call us! 1-800-479-7231 M3-11w CapitalCw Account Su Previous Balance $1,179.79 Payments, Credits and Adjustments $25.00 Transactions $74.59 Finance Charges $26.54 New Balance $1,255.92 Minimum Amount Due 17S5.92 Payment Due Date May 10, 2003 Total Credit Line SSW Total Available Credit $.00 Credit Line for Cash $500 Available Credit for Cash S.00 At your service T. .cell Cunoma R&f- or to re}nrt a lost w std- -d: 1-800-903-3637 For fra o &nc aorount strict and sprcd autaara o&as, log ou to: Sand Ps7m-u to: Sad inquisia to Attn: Rams[ante Pro-sing CsPad One Sias C.Fiml one S-k. P.O. B. 85147 P.O. Bos 85015 Richmond, VA 23,276 Rkhmood, VA 23285-5015 Important Accountlnfonaation . For service in Spanish, please call (800) 929-8137. Para servicio en Espanol, por favor marque 800-929-8137. f m m in Capffal0w. GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 MAR 12 - APR 11, 2003 Page 1 of 1 Payments, Credits artd Adjustments 1 ' 17 MAR ELECTRONIC PAYMENT f12-50- 2 31 MAR ELECTRONIC PAYMENT 12.50- Transactions 3 12 MAR OVERLIMIT FEE $29.00 4 n APR CAPITAL ONE MONTHLY MEMBER FEE 6.00 S 11 APR PAST DUE FEE 29.00 6 11APR PAYMENT PROTECTION 1-888-527-6904 10.59 -You are a valued Payment Pro4dion customer and may be eligible for benefits to be paid to your account in cases of disabdity, ur"Tloyment, and death. If you have operieoced one of these event; please call Consumer Membership Se vi= at 1-868-527-69N to we if your situation qualifies for a claim. Your account is 60 days past due and yaw coverage will be suspended if it reaches 90 days past due, as stated in your Payment Protemon agreement. You were assessed a past due fee of $29.00 on 04/11/2003 because your minimum payment was not received by the due date of 04/11/2003. To avoid this fee in the fimnt, we recommend that you allow at least 7 busmen days for low payment to reach Capital One. Finance Charges Pka smnr%xrrendeforaxpswtaatinformation Bd a.r. 74riol C. ?jJVATTCE .pttirdm ? >? l:t?ARGE PURCHASES S1^50 .07096% 25.90% $2654 CASH S.00 .07096% 25.90% 3.00 ANNUAL PERCENTAGE RATE applied this period 25.90% V PLEASE RETURN PORTION BELOW WITH PAYMENT. 0000000 0 5291151856361793 11 1255920012500755920 New Balance t1,2SS.92 Minimum Amount Due $755.92 Payment Due Date May 10, 2003 Total enclosed S ? 1 Account Number. 5291-1518-5636-1793 Capital One Bank P.O. Box 85147 lll.tnull.,ll.ll...I Richmond, VA 23276 LrI,Lrltr.JdL,rIrILdLrdLrrllrr.ll.rdl...lf.rrll...l A4 p-d m.d.1 Jk- m+Lw r-nuil d-W. klam.uwg M. w hl k k. suar APc t - Cry sus 9P Hare Pb- Alurma Phan Esa9 Addr- #90102374978630570 MAIL ID NUMBER LOUIS U RICE JR `o 306 S YORK ST MECHANICSBURG PA 17055-6302 1...116..lIlrr.rlJrrlrlrrlLrrrlLllrrrrrl.lll.rrrllrrrLLl Pk--deym aerrrroet rranbcronyyar r6ncF W nwne,y order accedefayabletoC#dal One Bank andmail in the mkvedrnwAl oA ® 2oo2 Capital One Services, Inc. Capital One is a federally registered service mark. ALI rights reserved. 8 O pertudc into, To obtain the avarage daily, balance ke the bWhrg period corrad by this statanrrt, v.e eke the bemire Mlace of each aegehem each dry. add any new IratWdida to each isty Far, and rbaau pry ptyhnama or meFIts. (H the code N appears an the 6om at this sananrt item to'BaWho Me AppaW To,' we slat subtract any unpaid Gums carpe Included in h b.11- of each upnrt This gh - r car dAy balace of esdt sessers 7Thhaann add tq me h dely blames he each for the bW.V period and divide by she local serariscre samba, o1 days in to bMaq padod. This phs r the average daily What— of each sepmaa. 3. Araaer Patanbgs Bates IAPRL ¦. The I- 'Arestl Percentage Rare" nay appear as 'APR' on the ham of tat aetaara. b. If h code P (PdmN, L (3- UBDR), C ICwdfr m of Depash). or 5 (Barevard Prises) appears m tr front of tan. rrrrm item m the pariodc raced, h tea aW ...P. p ANNUAL P91CDIT RATES may vary pace ndy rd may it- a daueaae based on h stood ids. as feed in TAe WV Seem J-,* pits the rayon ps•aotahy disclosed m you These ewges si be affectass on she inn day of your IFINIM period covered by your perbdic narnaN ending in the rsrtlu January, Aped Jrlr and Oewbm c. If the code D Pdrne), F (1:ero. l?[lry or G (3- LIBOR Rq Ac d Moneay) appseR on the hers of you rramra nom to fie P d dic M.N. the pabdc st- the and tarroyorhdirhp eaNin n pr pra ANNUAL PBK:FMAOE RATFS wy vary nhrhtMy ad maY irncteass a demeans based on the anal , io tied n TAe wM' These obasVist d d v on d h r A= day m of seyouu. .w 6iq WFied ,,A de bs ettacnive Arm pug each morph. 4. Pawsart at Late. O no Rtat in . of F.aa. Yw scooting wA M aseeassead .W no RoM than h fees listed be. that omar dtrbe any bWg pedal. U at Under it. terms or yw matrner apRersral - we the Fight 3. antis or not to i o r do w icars es p h pd. M t aree or aki r *Mm vteleft our niplt to ssts signor hhy pare n in false Woe. 5. i o year At f thIf t nharh, for aWppass ears on the has o Of thin sutasat, vast have 30 days tram the date this autarrr ores augur to you to avoid paying the (tie r m hive ooh tae naadieW o you If you cancel you access. ,:4. wY9 h P=, Von •h•Y - "k`- hosing OF pay she memberaip fee. To cancer Your srsohrt, you sat notify us by clip w Cuaomr Raids Depositors and pay y?tr'New Balsas" In 1l (sxdu*q it. msnba fedwAoostat. par to itu and of h tNrty-day Waiter . 8. H Yon Chose Y You tan request m doss vyootwr arats by cat en; w cuss- Rehabs Depareaad. Yon reaso damicy you trail radW and accotaa anises drib, ..W A prrMadeW tire, t. N ys de rhos meal ..d cease W=1 Dransladzad rrrgmwts, va vi mrrMa yw sceipl of a charge yon ahFeltoez.6O: m rsepancosec scars. Additional! Yw acmes aA not be un8 you pay A amounts you sets r kckAW any transacts you have auhod-L Wrce dsges, par due lace. ovedimh fees, rausrd piny- lace, cash :chance face and my other fees command as your scout. Yon am reyhahalbte for to awhphats tertlrn ltoy appur on Vote acsras r h the you repro to dose the ac csF a r they .ro nwrad aaeapra to yw reprr fe dose to ,cars. This My hews th charges oppearnp on your teems abet yon Mw yw accctra H It has already bean dosed. For example. If Vac sutltedzed a purchase bass a reardsa and wa receive the usrnsacdm from h raemlhat aka Your accotaa has been ck K your accuses still be reopened, the a count of to hie sAH be added m Vote WCOUM aW you wa be raWwwy w for Payrwanr. H there fe a srbsrahlp fee car ear account. the fee v.a cosies: to be duped m h extra pe tied by law. e sell h ccotna balerrs has bean paid n ti r detned above. 7. Using Your Acersa.Vour used or acmes cannot be used I. connection with airy Internet ga ablirq traaaOlas. 8. Notice Aber Hamrea Oak Cansrsia. VJhm Vm provide a duck s paVare t. You waMriee s either is tare information frm you tack to make a one-time .IecuoNC hid transfer tans yw bask aa>ous a to process in, paynera as a deck Iraruactim. tatrh rro Inbrmation Irons VW Check to make An eleasic trod transfer, Aside may be withdrawn lean vow bad accent as soon a the sane day - receive Vote paymra, .ed sew rA non receive Vw dock back titan your tiwhdd istnrtion. BILLING RIGHTS SUMMARY fin Case Of EsR Or Ousetioto About Yw 801 H you tad yw bM fe snoop, or if you nsed ire n(rmarion on e .n-.d h r bat, wits as u on e sepame often as soon as possible a to add- for .pit- shown on the faces of 'me Fair - hear from you no tsar tun ao cave ahor we era you the Ara bill on which the sear or VroMmr apparel. Yw can ale w Ctsunrr Retedes; raanben, hw doiq ss vAl rot Pneeerve Y•0r ri(/ae. n yh• Isar, plane ss h hiowinp +desatiore vow rhrhs and nerir mnbr, h dNar arnwa r the n 11 po error, s hirlo el the error and an ; or If yriou onm, , If need poscifft. - mss Mmma i of w vcv hy You • d belena 4 that is an error; or If ap to pay of the hem you era ors shout. You de nor Ms to rya .rhy .notaa I. cession whie ve. site ' k, dew you am ON obhoaW to pay the pans of you debt tut tiro non n qu.0- lkvile we nveatigne Your questIM we cannot reprt you s eearglnethl or take any action m colect the mgma Vin quaterri. t,t Special Rise For Credit Card Purch ass If YOU fuse s prlbfam wah the qulny of popany or se 'seas that Vorr pit. - whh a crsdt sea d and Vw Moe Filed In good ham as wrap the prablra ekh the wrdrnt, you Roy Mw the Fight nit to pay it. snaninq nchia dm on the paPonty, r services. You have this rest ection wiy wMn h ptadtaae pie rose sore than iWoo ad the ptrdhass was macs In Vour'site sae or whin 100 cease of your maMng address. IH we own or operne the rnadmn, or if v.a celled You h advertaemas for the propeny or service, ON purcloss R covered IOgrclee of ¦ exit or someon pat ptardase.) Pleeae -,..be, to .iph l corrasprhdnce. t D- not apply m swarm cto-ne.a rand.ctauna t Ones not apply to boscr- --c,. R card accan.ra Capitol Oro suppons inbnnnion pneacy ps.ctim: ass our rwb.he at www.rapkaia con. Capital One I. a fedaaAy rapnered swig marls of Capital Oche Rnundal Corporation. NI rights suited. 0 2003 Capital Case OILGLBAK t a. Oraee Porioi. You v * he- • raiictes grace period of 25 days an Faster purchases, new berance =. frariro nib fpecial gee . and new Bear hie H You pry your foul 'Mean Bslace I. aceordahos tergh h anportara Maim for payine is bolos, and In tiro for it m be created by yw tam anansrs dosihp derv. There fe ns gran pshod m cac h advarcas .rd sped .;-is- in addition, floss's no - peded on any vrwmlan if you de no pay h foul 'New Mlanca" b. Asauke I- Camp. Troecdom Widh .ro net ch. i oasts thap tursactmtkeen the dens met trasacdon Is processed to yaw Attracted or 31 bon h Am calydar day of der wrr 6WM ies" AddtiaWly, if you rid non pay it. "New Bd-- sea tit pRVias dAkhp period In Ai, Anave his sincere to antis to your np . balms uA the unpaid Mfesee I. paid in AN. TNS seas blot Vmr uoy cam awe trharhm ch. even If you pay the emirs New Salmon btdramd on the tits of Your aatrrwa by the nam a.seahert cd... Ma, bha did nor do s for h Pmd•e sW,*L UreatFe Gahm charges an added as h epphhcebhe stptrt or Vote Aaaat. t c. Iiidsas Fit- 0-9.. For seh bang pried tut Yon C; is atblsu to a Amnon ch.", • aihirwtan ,rat RNANCE CHAi1GE of $0.50.0 M irp•••d. If the 1r i s- hen renserq dim h appAceeon of your pedadc RuW is less tun 30.50. ors niA rbtraan the amnia Inca the $0.50 tni kr s se the difference v A be bM W to the FAch se aapnsa or veer cooet. t d. Tier pseary R.deeNmh I. F Cie g. Mk reserve h =6 Q ?n!o?t assess any of r Gras drgea for any given 2. A~ u•iy B•rtea licitly Mae P ralhlacel. a. Brea hye Is admitted by Mill Yh dally bar.- .1 each .gmat d yw •pmhat I e., rash .dwnce, Wrhse, W dal astir, and seeder Pt•dt•••l by the mmyah6n0 dWy paiodic essaal dr has b- . y Fir You. As 0. astch do vie bating; period. we apply do deh pesktfc 104 each ssgm.ha of vast tROhrr m the MYrm or aaM lepaam. Then a the ayyd of ft periit- as od, weyoaddrd ttp perbdc G anm ctaea 1r eMedft- each wgownass We add up alt mutt from each sereart u site a the toed pnhode trance hrge soh yw raahs. To go the fadey balenee for each sepaat of Your moosm sa fate to beprWre balance for each ••tt•w and add cry sew lrsnsaLtiaa and any psdodie a as dupe aalmdeud on h peviota day's bohni a for that sspra. We than abtrsct any payaama r Caedip pared ss of tat dry use tie .Ilorame to err sprat. TMs dew s h sspaate FIAT balance for each spnae Of Von acarar. Imwovar, if YOU Pad the New Balanhs down on you pereaces, in full (or if your new bNahce vas zaw or .craft await), new troroaetirs which post se yw Wry Jhaaa or aP d l cYatring. dAv ? by aadddidy ing M h?it* dNy l Was the ? Mlahces logaM and dvideq the as by the number of the days In the wrra Maine cycle. To cidolote Your toner finance charge, -dWy YOh• avaape FINy balance bV h d.! nee and by h naubar d days in the baring P• Dlae 10 MKIM an . dally bal.. dap only be . sight variance bae a ci Fees olodati et aW h amount or fxonce cfiarge assay aaasaeG b. M. h bade Z a N appears an the fat of this aaanenn nest to "B.lanm Rae Applied To: ors saltily to 31836M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 013 Your account is delinquent. -4 omake protect your credit with us,youneed We want to help! 0 i ` .00 ?? rain -- We can help-but only if you call us. - When you call, you can make a free check-by-phone payment. Return your account to good standing. Ws up to you to take the first step. Call us! 1-800-479-7231 at3-aexa CapitalQ1Ze• Account S Previous Balance $1,255.92 Payments, Credits and Adjustments $25.00 Transactions $8127 Finance Cbarges $2727 New Balance $1,339.46 Minimum Amount Due $839.46 Payment Due Date June 11, 2003 Total Credit Line $500 Total Available Credit S.00 Credit Line for Cash $500 Available Credit for Cash S.00 At your scrvice To call Cwtoma Relations or to report • lost or scoter card 1-800-903-3637 For free online .-room awi«..ed rpo6al a.aon.a offers, log on to: -esprtabne.eom Send paymeau to: Sad ingairia to Arm: Remittan« Proees i g Gpinl One Senior Ca0W OM Scr:-, P_O. Box 85147 P.O. Bear 85015 Richmond, VA 23276 Ridanond, VA 23285-5015 Inmortant Account Information Did You Know? Capital One offers more than just credit cud products. With more than 47 million accounts, Capital One provides valuable fimncW solutions inducting auto loans, personal loans, CDs, money market accounts and more-tv one out of every three homes in the U.S. N GOLD MASTSRCARD ACCOUNT 5291-1518-5636-1793 Payments, Credits and Adjustments APR 12 - MAY 11, 2003 Page 1 of 1 1 14 APR ELECTRONIC PAYMENT 512.50- 2 28 APR ELECTRONIC PAYMENT 12.50- Transactions 3 12 APR OVERLIMIT FEE $29.00 4 11 MAY CAPITAL ONE MONTHLY MEMBER FEE 6.00 5 11 MAY PAST DUE FEE 35.00 6 it MAY PAYMENT PROTECTION 1-888-527-6904 1127 -You are a valued Payment Protection customer and tray be eligible for benefits to be paid to your account in cases of diabrlay, unemployment, and death. Ifyou have ealmieneed one of these events, please call Consumer Membership Services, at 1-885-527-6904 to ace if your situation qualifies for a daim. Your account is 60 days past due and your mvunge will be suspended if it reaches 90 days past due, as stated in your Payment Protection agreement. You were assessed a past due fee of $35.00 on 05111/2003 because your minimum payment was not received by the due date of 05/10/2003. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finance Cba%,= i Pk"sm reverse jide for irm,#mtontt nfmaiatwx arr ?t y? Arf r '^l ri 4P&da, ytf6dm rA l.t1A PURCHASES 21,2M.73 .07D%% 25.906 S27-V CASH 8.00 .07096% 25.90% 8.00 ANNUAL PERCENTAGE RATE applied diis period v PLEASE RETURN PORTION BELOW WITH PAYMENT. Capi"CI fe` 0000000 0 5291151856361793 11 1339460012500839464 New Balance $1,339.46 Minimum Amount Dee $839.46 Payment Due Date June 11, 2003 Total enclosed s Account Number. 5291-1518-5636-1793 Pk-ji-n r.W"&- as -,dda.mdrrh,/- j61W-AL t "e 25.90% Snaet Apc d City Sun ZIP Hass Ph- A)..- Phone P cad Add, $9013137497863056# MAIL ID NUMBER ... Capital One Bank LOUIS U RICE JR P.O. Box 85147 IIIuun11.11nu1.11 r 306 S YORK ST .-u Richmond, VA 23276 r MECHANICSBURG PA 17055-6302 N ? I..I.l..ll...l.ll.1.fella11..11Mill. .llueell...ll.t.il...l It..ell..rlllrrrri.Is...rI1tll...t.11111....11..11.1.1 Pka.e vmrteymr artomwt awnbir ow yow dba4 err mom y order roa&t-yabli to C*d-I0-Bawl asd mail in hk endured a 415e r m 2002 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. S O 0 0 fV periodic not. To obtain she avenatio daily balance for the wing cewrad by tts statanwa, we tak. do hdarhce o1 amrh segsers each dry, add amY new mrera to sach era, and -=.Cl any se" e credits. fH the aria N appeaR m Vr bees of ris avenues next re 'Balance Rote Applied To: - aho .6100 any aped finance dirge Included an des balace el each w9 nat3 This p/we ns the diy bdo ce of each segment. Than, ere add up .a is dNY bd *r ere meson virgassit for dis filling poriod and by .mbar oo drys I. the wwnp p.dod TThi visas tae h wr.g. daayr balance, of each e(ymam. 3. A"" Pereastige Bata IAP111. a. Th. term 'Anna= Perceotage Raise' may appear as 'APR' m the hot of tiro Moment. b. If the code P 1Pnirne), L (3-mo. 116016. C ICeldkcae of De sisa, er S (Besecard pang appam an the 1s9 of Vitals atvemst non ro the peMdic model. Noe oeuodlc muss and corm ahdinp ANNUAL PL?7M11AOE MTES stay wry psmadY naass a danease based on the stated kdrae, as 41!7: TM Wes Srrr .bun.( Its it. -Min MmiorY desisted to you. Theme pdehdmnotdpas we h atbcti m on de fire day at Your plant; in the swNS glory. by My and Onaborr testing c. If the ode D prime). F (I+ LRIM or O (9- smtemas moor. to pnlodic .U W, rte pameep tetea and coneapanmg ANNUAL P(21CENTAGE fl11TFS may wry maaiy sad may Increase or it- Wad m to stated iMcoe. as found in The WO Skeet Jose not pka fie margin pndaady 6rJesed so you. Tide changes wa h efbcfi- m the fine day of your Mine period each Monat, 4. A ...tetra of Los, 0wrin6 sari Rararted Payart Fes. Ime of the tea Your atxmnt * be assessal no sae than fined Hato that occur daing any bit; period Ruda to tom of your awanar apeonos, w. -the dpi to wsive ot rot as aseme my iron .m6out pier neNffraaon to Yo whhaw 0.ls^e our ,am m - the epos or -"I 11aRosasisi lees dote. S. o Your Aessrath If maybe you he day. f on the fiat o1 this t eNrt, you haw dy. 30 appears lions the data this stemosers cmL you to " K Wh was be aedi .ftd aod yo payt the tae or to haw to you it If you contest r your account . OuYp v h period. You my cmtlnis m to are your r account Milos hWy Ito pay V. n a be. To ocantal ur Cuts War err alotio you stns, notify otify a by M saline w omer faatbns oepero.rt and pay you Nsw Ba M lull IaneAndinq eke aneroamop W odes to m rh and of Ih tirtydry period 8. H You Con your asquarot to dose your account by s>•+O our cuwomx RalsVaa Depslitnerlt. You taw davit" your taedh caidd.1 end accent seas its, such am prowMea- Mani. and case uaep yam ocrnure. It You d nor eaca psaMel2M Mini marprnres• M we consider -.4. of s dmrgs yen a alseem ss, m Rghah your ax:oua. AddldaWy. You actinic we ne, be .seed u n you aY •1 amorros You owe tea MrAdiq any uasacdeo you haw suhorited, farce ehareaa, as due tams. oveddt fees, -..ad = lses• cash advance fees and any, other fuse aueead te your .tears. You am rapaWble for dose amens Moten You saran n Vs /H!m you 10psa to may appear an sae aloe requests to d or they an inhmin This may a es m n in dn?arges appseap m Your ettan tilts, you ?hime your aceoua if I. ties I,-* bear closed For example, if you •udrontzed a purdrna from a mercant and vas mosive the transaction fran the manhunt ft w yw ,team has been dosed, Your somua we be :=M. the Mout of to carrpgee wool he added to your arxaaR... and yyoouu we be re.perwbb for payme t. H tore Is a .haoarip (ee fou your scows, the Iss Me continue m be durgd, to the eves milted by aw, u di the accent behest. he. been paid M full as defined above. 7. Unq Yata Arhaotbrh vA-=,Zour us a ocean caves be haaA in Cam any Ira - g. it& p 8. Nsai.a About B.oban,ie Cheek CerlhRni- When you pohride a clack a paymat, you aunloriae ve ether to w inbmn front your crock m make • , - eharerit fund id tremor from your bank anneunt al of a to pro ese the ppa"ymam as a lack transaction. Whtlh ve itomrarlan trap Your meek to make ah Neelronic use, kid a mefor. kinds msy he wimaerm Imo your bark attested a aom as the same day rote raraiw War payrnem, and you wet not nmWw your check back from Wu finsndmI inmHUnonr. BILLING RIGHTS SUMMARY IM Case Of Errom Or Questions Abate Your Be) If you think your be is wroM or it You need more idornrhallplh m a transKlim or be, writs to rat on a seporsto shin as soot as possible a the editions for npirie alno,hin m the. from 01 this stalanas. We anal hear fear you no later then 60 days after we sate you the 6w bin on w ".h the anon or pmbism appeared. You can rag our Carona RalsNars umber, but doinrg ao war not pmsana yes dohs.. M Your letter, give hen the kliowinni rhklmot.4 yw ems and exam umber, th does nmhetnt oI as arpactad amt. a dsc;b o1 the or and an explanation, it prmlde, of v" you beesve there I. an eon, or if you need more infomabm, a description of tae Hem you am woe about. You do not Irw to pay any Mass in gnsacim wide vie am invetigitirg it, but you ro are abigafa'd ro pay Ihe pans W yam 0 Vm art not M olwian taehik ate Mw•aipate yam 9uaaiau, war snot epee You a dafin M or take any axon to collect the anptat yin atneaiafh. t.t Special Rule For Credit Card Put&.- H you hive a problem with the quality of p.pemy or undoes tot you pur.osed Mtn a .,ad, car ,.it you Nw read in good tslm to eonect to problem Mdh the in des, you may hew me W not to pay the remaining amour due m the pearly or urvices. You hew this protestor oNy weal ms peeve pica was nee than $50.00 and Ins purchase war mad in your hem Met or widen 100 miles of Your rnalfing addmos. 01 we out ot operate is merchant, or if ms mailed You the advertisement for the pnopanuY or reanicia, of purchases are NVa.d nap." of amain or location of purchases.) Posse re s ennber to sign all correghmdeee. t Goes oof 4W y R censuner non-cn.rAn and ecrpnxrts t Does not apply a b-- rrwhcredit hard atcooir.s One supports iniomstim primacy promnim: see our a www.raphalere.com. One I. a federally registered service monk of Capital au ial corporation. AN rigmc reurwd. 0 2003 One 01LGLBAK tar. ease Period. You Will hew i minimum grace pariod o1 25 days without firr,ce "tpo m navy pieteses, mew bslen ,_is.. new ryedN gmcMtas and now other W age H you Pay Vest. total 'Now Balarnoe', M seeordaea tdllh the Imposes 11o1iL'e for payrhheraa below, and in time it. H to be cmdu d by your nM etetemM ado " data Thu. is no passe period on caalh adrmnhr.. and "pedal imnalem. M ad6uim, them Is no gross period on any Ifam"gion it Yau d not aY the total 'New We—' b. AD-Ing Finance Charge. Tranusofms wlith an rot abject m puce pariod arc ims a ed finance risrga 11 Ism the date 01the t1=.ion or 2) f- the dte dine 1-mim I. proo ato d W Your Arceraa or 3) from dine Son calardar day of the wart bang period Addiliauey, it you did not aY the 'New Balance' loan Ins prohaoa bNMp Period In fins, drones charges rnttimm to accne 10 M our unpaid belarnm unit the unpaid balance is paid in kill. a meal that you mayy she otse firhace nhergas, can if you pay tM ads New Balarhfa ilhdcaed on he Irma 01 your mtetemos I; the next astamam dosing dn., but dd not do o bo the pro,lase mash. Unpaid Bahasa nisrpes am added a the applicable aso seat of Yw Actotes. t c. Minimum I- Charge. Fat each bWi11g period that your accauM o wbj.ct to a frhanhte tlrrps, a miwahm ,otN FNANCE Ct1AR(FE o1 $0 haro wR h impaad. H the taN ficm cuuge s than from the app n of Your parodic os lit is has Nun $0.50, 0. wM SLO9 tM amtxrs from the $0.60 mMlmun ..it it* diffe flerce we he billed to the Rat"n apnea of yw tsceun. td. Tapeay Reduction n F:ana charge. We mes- it. Inn to nor `_ any a all finance riunga Ia any III- 2. A-rapi DYy 6aYma IMefudkq Nam Pvdusel. e. Fklalce dirge Is calculated by mtttpWMe ma daily balance of each epran[ of your acoant kA, cash "dents, purchase. We" transfer, and spwW punlrse) by the sunapo dne dilly periodic 10.1.1 that W been previously Aerlontid to you At to and of oath dyy aieq the being period. war apply the daffy periodic taro br each seQchas of you aetous m the day bahrc o1 sash seprmnenl. Than n to end of do NNnp period. we add up the recta of due daily calculations to arrive a your parodic firo.ce corps for .ado .spmera. We add ip the moults Into each atipuss to smw at the total pnbdit finsrhra tdsrge /or yw enroll. To pet tFm diy bslance or ssch aeemac0 of yw accaat, w. take tot bspa.dng balarhce or cacti egment and add sal near I .....st- and any periodic f- de rge ofdisted on to pie,ioun dy a bees n br tot .agnate we Ur wL,n rd try paMmass a MATS Posted es of that dy tot are .seated to tut sepmscs. TNs sites se the separate daily balance its oath aeDnwt of yam scenes. Heineman. If You paid the Now Bit- soah m your preNas atalenres . kdi for it your strew balance war zero or a credit amount), rely tromamiers wlidh pas to yens( proseon cN cal.a.. ma. 0.0.deny balance by addenptpa tuna rhr they balances topedi and dividing the sun by the render of One days in to cunan bMV cycle. To calculate yea tad firrarce dirge. mWiplyy yw ,wraps d.iy balance by the diy pariodit w. and by the =.f days In the ling parioe. Gus Ica caahArp m ¦ daily haals, Clam maybe s Niel "dams, bnwaen Vila calCu4tlon and tot imam of fir- dory. actually assessed. b. If the cod Z m N appeR on the from of thh tw,MenH next to -BNmce Fate Applied To,' ws m.ciply the 31712M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Wnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. W3 Your account is delinquent. We want to help! Z? oPt. - j To protect your credit with us, you need to make a payment. -- We can help-but only if you call us. --)When you call, you can make a free check-by-phone payment. Return your account to good standing. It's up to you to take the first step. cau us! 1-800-479-7231 Capital0ne Account S Previous Balance $1,339.46 Payments, Credits and Adjustments $25.00 Transactions $8201 Finance Charges $29.97 New Balance $1,426.44 Minimum Amount Due $926.44 Payment Due Due July 11, 2003 Total Credit Line $500 Total Mailable Credit $.00 Credit Line for Cash $500 Available Credit for Cash $.00 At your scrvscc To all Cuatome Rdatimm or to reFort a tort or stolen card: 1-800-903-3637 For free online account -ice and sPr6d auto.. of-, log o• I. www.npiml-m Send pr-t. to: Sand iaquieie m: Attn: Ranittana Proo 'g Capital One Senora Capital One S- ;-P.D. B. 85147 P.O. Baas 85015 Richmond, VA 23276 Richmond, VA 23285-5015 f m GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 MAY 12 - JUN 11, 2003 Page 1 of 1 Payments Cre&tsandAdjustments 1 12 MAY ELECTRONIC PAYMENT 13250 2 23 MAY ELECTRONIC PAYMENT 12.50- Transactions 3 12 MAY OVERLIMIT FEE $29.00 4 11 JUN CAPITAL ONE MONTHLY MEMBER FEE 6.00 S 11 JUN PAST DUE FEE 35.00 6 11 JUN PAYMENT PROTECTION 1-888-527-6904 12.01 McYonr account is 90 days past due and your Paymeat Protection ooverage has been atupended. As stated in yaw Payment Protection agreement, yaw coverage and monthly charge will be reinstated once your account is no longer 90 days past due. You may still be eligible fm benefits to be paid to your account in rases of disability, unengrloyment, and death. Call Consumer Membership Services at 1-888-527-6904 to see ifymr srtuatiou qualifies for a daim. You were atsemd a past due fee of $35.00 on 06/11/2003 because yow minimum payment was not received by the due date of 0 611 1/2003. To avoid this fee in the fixture, we recommend that you allow at lean 7 bokneas days for your payment to reach Capital One. F-..= Charges rn Ji d e for mfo?rantt-fo PAa imrewrrie rdwnn ? g ? r n ? a AroL ytrlm APR CHARGE PURCHASES 51,36256 .07096% 25.909. 129.97 CASH 2.00 .07096% 25.90% 3.00 ANNUAL PERCENTAGE RATE applied this period V PLEASE RETURN PORTION BELOW WITH PAYMENT. V Capitalow' 0000000 0 5291151856361793 11 1426440012500926446 New Balance $1,426.44 Minimum Amount Due $926.44 Payment Due Date July 11, 2003 Total enclosed $ 1 Account Number. 5291-1518-5636-1793 Pk-piuravi!mlddev -V- c-.aa lads ya kk.-Z b/ -41.4 i.k 25.90% [Sty Suk ZiP Home Ph- Ahaoak Pho- E.Q Add- f9016337497863059# MAIL ID NUMBER LOUIS U RICE JR Capital One Bank P.O. Box 85147 (u{n{rat{{{r{cast{r{{ rn ham 306 A YORK ST Richmond, VA 23276 MECHANICSI3IIRG PA 17055-6302 rn hhhhhahaha.a {u{t{u?{cat{a{{m{t?{u{Iut?{ua?{sat{?m{{can{{cat{{tat{ ° ?- {nor{{{tn{{{nu{a{a{r{u?{nu{{n{{um{s{{{nu?{ur?r{r{ Pkaa to a yov aummt numkr oar pw eback or money orde made payable to Capital One Bank and mail in the enrlmed errvclope r m 2002 Capital One Services, Inc Capital One is a federally registered service mark All rights reserved. 8 O m ailin' policall harmed by into Male-ant, we rake Use balance at each segment each day, add any nnm t- m Mdh aapnsK and e"mat any ymants r caedea. of the coda N appeae on the lirere Use Mat.ream skaT so -balance Rate Applied To; -t oho shbarac any cr pefd lino tpe crepe is k lest in the belnhct of each as?p?hsw!hm.) This give es he daily balance of each m *M Lip .1 ths, daily wDkana b ales fir bang pealed and dvide by the for es each Mother ea days in the billing period. This gives is the a t1Ngy b.lanm of each segment. 3. Annul PworYga ace IAPRL a. Th. mm -Ainmal Paoea.ge Rae- may appear as -APR' an to awns of dig wieners. b. It the coda P Pirol. L 43- 1-18011), C (C-I igcons of manoca oft sumsu Asks: to oche Pnulodc rN s)the pedo hers, 6oef rtes lord loo ampardrg ANNUAL PERCENTAGE RATES. .Jaasra4 pits oche -login peviorly dacosed to Yet. Them d.rhges will be effmahre an the Am day .1 Vote bfig period cloyed by your P.dafc leatrwent endxg in the rain .lasseY. A JuIY and Oa.ber. c. 8 the lode D Ntiwhd. F (lwhot LIBOR) or O 43-mo. 13BOR aiepirA - kmn *iy) aPp.ae an the has o yet. ammreab serf m the penmsc steed. the Pedo6c was ad to milookig ANNUAL PERCENTAGE RATES may wry ttrrrapload -sy Masse OF dWJMW based on the owed inhdcarv s heard in Tile WAY Storer .hp 7W pks the -4. p-hiohrMy dsdsed to y.u. Tlmse drag!. vdf lmell. on the fro day N your Mang pedoto each oremb. 6. As..ssrt.1 Leak Overrsnit end Red.-d Peymat Fee.. Your race wan be loeaewd no more than two of Am fen lia.d has fYr occur brig any billing period. Under the roof of Veer ail a err apfeameM, u neeaM the rigiw to .yhm a nr to a 6 any hes wiehaa poor tmdfcarion - }ywous vMask; g as right to asses the sore Or ehtiier 5.T8rmwig yea A..at.s. n a ma.b..riP fee appose; an tm amrm of this Mamma.. you how 30 day. from tha dse ti. esterase yon !mood W you ro avid paying dm lose or to hew nrch M cmdhed to you if you ad ymr aceoee. Wag IN. period. yea may m f m Pay me .egkss m nie y or account vdflhua lmn to cancel van accous, you twor notify ? c isq ore Customer Rellmos Department a mnod?Pr.yrsyioPr Nov Balance' in WI feuio6tg the p4or so the ars; of am 6. if Yw Coms Vass, A.. .s. Yw on mgmM to d? Veto ac oe t by caig our Chkn.ma RMnkeer Dep-mra. ym oat &on" your r o& -.0) and accmaa Access ducia. to.* M pmawMdzed baling. and sprnus. H you da net caned ==m= magenems, wa oil consider scelp of ¦ drrae your Aaro tunion to reopen yom accaes. AAfaot.ay, your account woo rot be deed toolu Yoh Pay as seer.. you owe W khcsndmQ any iferleaclierm you have whetted. fence corges. Past dote leas ovaiMl ores, mtumod p.ymere fees, cash advance lass ad any other ales a messed to your -spare. you Ae responsible for Seise smears whetmr e" altfsa an vo r scene- at the daso you -thane ro des, the woomet or a" am inoened alb oMoss! to yap -pea so plea! we a:coss. This may male in if pu accout it it whroilrod has f- been a?amm For &M wed' receive tm al-t. esken here the -..here after you aceosa halt been Caeca ' your account will be cooper ed. the ankra dl the !Jeerpp!e wD be added to Vast eecautt, nd Vy-ars wt be asaprhalble ass ryywm. It that. is a merhbwal? for b Voce ass-.e t . o fee ad w continue m be drq.d, as tm swim pet-Ilted by I.w. I.dl the aohem baIsnca has been paid in kA as maned alcove. 7. Using Yee Aeare-.your cad or account cannot to used A eo secim them any iee-at gamblvg 8. F/Uce Abet Elersesie Ch.* Creemn. Whn you p-hrida a Bret as Payment. you whottre u Now to roc khbh-ochre Use yeu dock to make a --Ii- electronic trod eatsaa Thom Veto bank atsdwt or to Process ==- as • Check transaction. %Whan we knrefrom Vote, check m wk. on electronic fud tpesttr, ftatds may be rdMi.wn from Vow bank acmua as ass s also aeam day wm receive our =,OI . aed yon vii a rec.1- your check back from yea fMadah mnaeIsaiense BILUNG RK*fTS ANAMARY (in Case 01 Edam Qn Ohkwions Abort Your Big) If Veu thhk Voter v is waeg, or if you need more i fannodoo m a mama-foe or boo, veil. to is an sapaum dam s loose as possible o riot address for khyides Morten es to tom .1 this srorram. We must heat from you es Isms tilt 80 days after we sae you the fat bill an vdhicI she aster or frrodan appeared. You can call our Cualosser Rrlmria s masher. burl doing so will rat jreaorve yeas igitn. Is Pout Imo, pile es the bfov+trg anw Of stews Of k fats puce nd a¢aam r tan the afr ste also au?Aatl errs. a deecdpion dpi.n of e m t and an etplmsdst, os pnai a why yet, begeve them is M e1?• a it yea need aloe e i Yea do ani a *W to ay of arr hem you rs area abets- Voce do rot have to pay any anaam in peace ,reel ear a- ih Vohs himal h, bur you Whil pry she ryes of of yaw s that am net in d obligated se y e ere Is or %e.. ft ke your °ton ro Io . tons xel ? you n. owu m i a any aNOn collect the Woe wk anmuv you cprsriork. t,t Special Rode rv Ce6t Cold Puchass t you have a , 11 wfth" gsiity of property or seances that you ptwdsoed with a cmdt card and you lure,md In good Wit as correct the pr.blern with the searchers, Vas Amy, have ar ripe rest to pay the reeaking amass took an Am property as seek.. You he- IN, prone * oiy !dean to purchase pdm seas ram then or $50.00 adds Prsdsas was woo in Vora home .no Wain log min of your suang address. (it wm Iron or .pause aha w lad seN vm -Meal you the adverWm nant ar get Prapomy Is soMces..0 ptrcrses covmd m pod1c- d answer or scenes of purchase.) Please rans.hsr to sign d mrmappoodence, t Does nor slop!/ so crowns, ---w cold occotaw. I Does son apply ar hash ess non-rind! .lord accasnta One atppeo iMemeauan privaq prourcnfon: see ear e vrwrs cam. One h a red asrvica mark of Capitol CntPocaaam Au nlfms rsarvad. p 2003 one One O1 LOLISAK 1. H- I. Avid A Faanea -9- t a. Oraea Paried. You wwa he- a Ihhkarnxan gape Parfad of 25 dayvAtheur farce row portholes, nrew balance imrwfat., Mw "=I ?sea and new othx charges IF yott Pay you local 'New Balance , in atxamrca hmW+the brponam /f.tke Tot ryymhema be$-, and in lime I. It m be eradnad by Yoe rod aWamra advAnhcs d.ekg dam. Tharo Is no gnea paned an cash and apocal ITairia-. in addniotr, tore is M Rrsre Denle'd an any IIl eAect e, it you do net pay em total New hot.-. b. Aeaarrg Fktsres Cbegs. Transactions wNcn re not =.::e do of on . 221 nom the dom is I treescton is proeeassd to you Accara or 311- the fo !Mandan day W tan curram billing period AddliaupY, if you IN not pay am -New Belares- from the premes being period in ha, uncle drrpn Conns's m sine to your upsW balance tatf Use upoW balance Is PAW in M. This mars den you wy aaf owl from chrgn, even if you pay em pain New Balance krdcated an to theta N yore aatenew by the ran enemas closing doe, but dad rot do so let the Pren ours month. Unpaid Shen charges are added to aloe applicable segment of your AeCOUn. tc. ffsnimrrot Feature! Ch". For each billing period that W. aOCraa is subject to a hose charge. a sormmn teal RNANCE CHARGE of 60.50 wN ha imposed. R to rocs finance cage most from to application of yore Padadc ste(t) is M. Aar f0.50. we -A womea halt amount ban em 60.5o mimmomI and the Offenahce wan be blood to the purchase aepnrwq of your scaoham. td. T..*.r.y Rod.016n be F'iwas Class". We naervo the riym mien sett re aces any or .f %- surges Isr aft' ghmn 2. A-= DaM aehnw lkndudmp Naw Reap-1. s. Finnan charge is calo/sted by tmldplYbhf the deay balance of sari agrlatht of your a conch le.o. cash advance, p-hM. special ttsroir, and sPecN purdasel by the oar.apahdig daily pat.dc ansts) that Ins been during tie sfihPor aWy tan defy smi ppe of each f-fic rose for each algnlae Ot yore acccum m Am mfy kNaae a 7t:0 we etch apgihMl. Than at she end of the bffng pedal +dd rp The redns of thole di cAkM+timnns to ardw a yea 1whort charge lo, each sWread. We r d from each Dognmm MA tcealryriI c firtanck range for your acrnus. To fat the dMy 6alsrm for each stgrns to of yar loceoh.tt, we take em begkHng dance for each sepias and aN any new trawoims and lorry periods irate charge calcuhted an to pealas mV's bate-! hoc that asgnart. We than Wilma any men: or credit. posed n of riot day that are allocated to Ao aufymsm. This ghee: s t e aepama dally balance fa each sages. of yore accoma. Hoemva, if you Paid tk New B once he- as your p-vfos amt!meet In W I. if your new DNase vas ism of a cram swum), new crt=.,t cm vdrfcah past to yaw powdmse et tpecW prechese oripme m as nN added to ilk deay b cps. We caladate he ...rage daily balance by alit" es the dally balarcem wilidhet and dvidng ffie awn by Are nunbrt of the days in the aura t being eyrie. To esladar Van tetal rrrence tiunge, mhMply your rhmrape defy balance by 11, dally Period= nt. +hd W ch meaner of days in the Nf^f period. Ow to coo Ang an a dally basis. Aare may be a eight mdance bonseen This calcadadpn and the a mnsso of fiance Wryo ocurlly me*$. . b. If to coda Z or N appears on the Ines of ilia stateroom new to -Balance RN. Appiietl To, _ cep nwltiply tlhe 31190M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at best five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. *23 Your account is delinquent. -4 tomake protect your credit vvithus,youneed a payment. We want to helps - We can help-but only if you call us. -4 When you call, you can make a free check-by-phone payment. Return your account to good standing. It's up to you to take the first step. \ Callus! ?` 1-800-479-7231 =-M Capital0ne Account S Previous Balance 51,426.49 Payments, Credits and Adjustments 512.50 Transactions 570.00 I'mance Charges 531.26 New Balance $1,51520 Minimum Amour Due $1,015.20 Payment Due Date August 11, 2003 Total Credit Line 5500 Total Available Credit $.00 Credit Line for Cash $500 Available Credit for Cash S.00 At your service To 08 Cossoma R.66- or to'rgart• lost or stolen wd: 1-800-903-3637 For fr« ordine aoronnt sarr« and sPrcal -dome oSrn, lot oa to: eapita).memm vnvrv . Sad Paymena to: Send inquiries to. Alta R-wom«Proce.uhg Capital One Servi- C Pitta One Seevi«.e P.O. Boa 65147 P.O. R. 85015 Richmond, VA 23276 Richmond, VA 292$5-S015 GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 JUN 12 - JUL 11, 2003 Page 1 of 1 Payments, Credits and Adjustments 1 o7 JUL ELECTRONIC PAYMENT S12.50- Transactions 2 12 JUN OVERLIMIT FEE $29.00 3 11 JUL CAPITAL ONE MONTHLY MEMBER FEE 6.00 4 11 JUL PAST DUE FEE 35.00 You were assrased a past due fa of $35.00 on 07/11/2003 because your minimum payment was not received by the due date of 07/11/2003. To avoid this fee in the future, we recommend that you allow at least 7 business days far your payment to reach Capital One. Finance Charge; Pka 5etreverxiiAr*inrpmlarrtinjmmadm F 2latsea•r n Paiirdr E ANff .pphr?m r? t t]AAjj n N PURCHASES $1,468.62 .07096% 25.9096 f31.26 CASH 3.00 .070%% 25.90% 3.00 ANNUAL PERCENTAGE RATE applied dus powd 25.90% PLEASE RETURN PORTION BELOW WITH PAYMENT- V Caps aloes, 0000000 0 5291151856361793 11 1515200012501015204 X-prw h•mf .Ab--& r+ndrbot k1- -Z bhu-hlki L New Balance 53,515.20 Minimum Amount Due $1,01520 G- Apr. e 200 A Payment Due Date ugust 11, 3 (3tr Srarc ZIP Total enclosed $ H- PV.- Aheroa¢Phdn Account Numb=. 5291-1518-5636-1793 6 Capital One Bank P.O. Box 85147 itla6tltltr66tiisl Richmond, VA 23276 itrlrleelirrrleiitrrleiirrllreellerelitrrliettlitrrllrrrllrr.l 59019337497863056# MAIL ID NUMBER LOUIS U RICE JR r' 306 S YORK. ST MECHANICSBURG PA 17055-6302 r o = lrrtIlls.rilLrrJtL.LIeeilrerrlLllrrrreLlllrerrileerirlrl F Pkase trite yore as wo number = yosv cbak m mong mla madepayabkta 0901W O-Bank ad--d- the enekwd eavefapc m 2002 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 8 0 O m 1, lbw TO A-141 A Finance close. periodic rate. To obtain to averelle deny Oelsrrce for the your accent if it tae WmaoV been dteeed For example, t a. 0. Par" You wa Mw a mNkman yaee period of being Pa+ib m es" by ad. torment, hre take the if you audhonised a pusc'rs from a msrdwe and vve raw Phrduaaa• 2s days vMlae, finamOt d-9- on besirssny balem6e of soc h aapmar -Oh day, add any new recelve the tomec9erh from the mertdrr after your balance 1nMtle, new asm 1 s N odrr -= 8 -.b sagamsm, ard or rae6lc (11M the cede M aPP\aeen rsAuact M 4ae of tN. acamkwnt of dm ?' wM be added you ratty a m . ,harpn if you Pay Yen eccoldecs vdsih tha etpetWir lbdr for pymerse bd-. sumanet nee so'BNrce IOaa Appiee To: ws Ns and you wA M tar paynele. N tiwe fe a time fa h m be raedted M Yra+ nee sutemael W in c a in ties batanax wbrata my apaid irrrnn dreg iceneed N mrbaalip (s for you eaves, to ale vvl' coebrate par peded on cnh advrKes eats. T1re fe closing; i sed Them 1 of each ssDnsnt.171tis flora r tits daily hNarer of each all 1116 ddaaiisy bNatcae for each Tr,a ws add r a e to be ,,r . m thenErrns gaoNd by law, uaN the acCeud bNerme ire Pad Ntutaa/e ,pins, aboN. e ro prate pe ddition, tsars and .pedal in. a i if da to 1aal 'Now ot . r s Me asPnale for 0. bTrg paioe sled drada by to to1N 7. Umn yr Aaras.rorr cad er accou. cavrt be you le on any t,nocy on ay balm,.- ember of days N den boiling perioe. This yhee to the wed N peraraCtipne soth any maned eambline b. Ahwnutq Farrra Char W. Trerraba -*Rh err non nrblact m a nears period aro aaetteed imlarce Wge 11 -" daily balance a1 a-b aaPb6. a IOtss IAftN. S. Anmad ' 11a1000IOM. S. Nona. Abwa Flaaasie Orek Carhveaiem. Wltc^ you from the date ,the Irnhsapllen a 21 lrsrrr dte date ate res _Am any appear as a. The ern -Ams- Pemenupe Bale proNde • check as paymet, you amtlrd.e u Ndw to mtuaulore I. proces eed to Vas Atom a 3) bran 11aa 'APR' an the Ire of IMe statamele. ue Ntomnwar Imm your leak W woke • ons-bons, Star calendar day of tier comes bldg period. Addhionally, b. If the code P OINIy. L rJ.- UMM. C (Cartiirae of aienronie Mod va asia bon you bank news or 10 I1 y?ouI1 did rat pay the -New Balance' been IM Psnaois Deposal, or S (Btrirad Pies) Sp eon, m the front of i d d , di t process do payer, as a cock transaction. When em r NNawtim urn re ,rck to make an Necvmic hllIng pMod N kd, aromas Wg)e% mwkar to accrete to your unpaid belenss Ural Ow Urpald hdanoe fe Paid N WI. aver if a- Wgsa TNa - that you o e c mm die .aunre hem we o P " theZp ran and am ANNUAL P9CBr RATES may very reasay aro m y No,as w decree Wsed p I n ban Your bsmk frail transfer. I =V=.A sccanr as soon u 6Y wa recNw wu , ==,, you pay th amps Hednrtad on to imm of on to Saud Leicasr as kasd in lie eWI Sa aaf Wyman[, W you veil rem nark- Vote deck beds Iran your statement by the fare static, do&v time, feu M Jame( pt, she aserpin p smiot?y dacaosed m you. you leenedal aeanralerc not de so for she gravies month. repaid fnmte h q. Tone damages wi be eflKdve an tin One day 01 Yoe ate added m the tppBc-So mWea w a1 you Acem". b*kq peeod mired by Yarn pees o' ma reen6 ending BILLING RIGHTS SUMMARY t c Mrihinsmahn rro Oren. For adh b1Krg gala, than in den mt,nds JaarY. Apra. July and Qhaober- tin Ceae Of Enow Or Qsdam Abm Your Biei your accorsn feaa?p to a lrlarce durpe. • mirtirnm c. If d, teda D rsanef. F (l+m. L6D10 or G (3+o. if you chalk your bet N wmg. er if you road more tatty ANANCE CHIAA6E 1 $0.50 will be' I, -d. It d, f UWR Repnts0 k6aMSy) aOpmD m the from of you den pedaQc rma e em to she snoec l "N m information on • vamrecNah a bR, wake m u on a rat& Nfr es tom s paseMM n to add.. for you total irrrro chaise reensY g from to =t o acre periodic reels) is leas dun $0.50 p . nne er pararq ANNUAL PERGBR'AGE RATES may = kquida shover m rlr toe Of this aaramwa. We mlar , amount tern he 60.60 mN4mm W ate afferem s wa be vary nays and nay Is= a dserase based on the oar from you no bier tlrrl 00 days afee we am you the baled m the plsdnaa wprr of your -so stated traces, m rand Ir 7ae W.e Sees r jo-K plus Tint bill on vdich the erne a PrOWN aW-101L You can t d. T.ny,rey Rada/en in Ferree C=: We reserve to der nu.pn pnriadY d,dos ed to yaw Tone drgps rot wn oe CWana, nelwio s mmber, les. dokq so ,At dye m e-0 any W ON Seim drgeo for my given wit bat stfe?ve on rlr irp dry o1 par b6reV period presorve your rfel6e. N your teem. gve u to bllowine d bNnp each nook NlamatNm Yea rums and acton6s nunbsr. Its aWr 2. Average WN BWrae INdraaep Nor grnerssl. a. Assemens of lam, oseiss a i Re mead payment Faas. amain of the :spatted error. • deecdgiah of dr arms a. Rrnreoe Wge *a calg47ed by mull iYkg d'e dsky Y. cc n lei be assessed rem seem era two of drat fees and an epianeder, 11 pantie, of w61Y you beilaw them is be.- of cash sepnns of yaw eccaSS le•g.. raalh listed Ire deal over drag any big patio, Under do an emr or if you need more Ntomadah. mleacdPOW of ,venue, portico, epecid ,cereal,, and spodN puudrs) Leona of you cargoes, agmehaar, am reserve err right 10 the Item you sin mere .bate. You do not ova to Pay any by the r1 ae1 If daily paeedic tattle) *or has bean waive a nera to eras a11N Ass witiru prim, naiSwoon to amous in question wade we em kwsatilptbrg it, feu you pmAeudy dedosed to yes. At den W of va,h day duwp yen w o-, -.&V was We m asses to erne or Nmaar am eM obligated m pay S. Pane al par bill best em not the big period. we aPWy the dally Panfadc me for each n • lane oar. n Wesel., WNis we inamigme Vas quasunk vin cannot aeWmt a( Yoe, goWum to den daily balance of each S. Yee Ataww_ N e me eb omMs, Ise rgen You s aoinginore a take arty action to coley ltte espnars. Then a the wed of the bTne Pedod, vn add Ira appear on the hors of cis statement. you ove 3D amain yw pumsdare. rho nha . OF those easy ukMahNrs ro adve m your W d day. peer den ere We .tarenreat we, wed m you to i ou 1M fee alto have such he cleared to id t 1 R N F C-.% Card P- haws S d e add hp » pododc i aos Wry. for each ea¢rea. reaafe brae each mi;mn! to armive a to sus perbdc Pay ng; y avo it you ot. your account. DO** this plod, you may ,t ar pe . h snarce Wps for yon Sews. To go to daily balance canker m _ yea _-M w aWs'talon to pay the If you how a problem w 6%do gtmiky of ProlmnY or for .Ch sesame M Yr stxotst, - take 1. bepWiny membensap lee. To camel your aCCrast, YOU MISS services that You phaWsd wait a credh rid and you balance for eadm sepn,le and add any raw lrenhoafurs notify u by ctig au Ctm emer RNades Dal oseeret • ow tried in gDod lode as corleEt den pmblm wan site and srry psriodc Reerece doge r.k d tod an eu pmviou tlrr btraa an d W bW I ' and pay yws /leer Batecs N hd Imdrdag 1" save m den aid M tlr smtydaY podod- mmwmNS teal mercese, pare aril hae S. secs lea to Pay he ms i ire Y i o hi y at eapemm e a .r day s ,mynas s. ra aadn prod tl M deer day dM are eeatated p , e. N Yw Cbse Y A.-.L Yeu an aapeR b done aanw Roasts , i err C s b os ou anrmnt due an the papery err amv w t s Protection only wlsn fls pucheae rats wee more than to 1M segmanl. This Owe as the sap.e,te deny bWrrs Nowmes R you paid the as d m occonre ch f r ne y v u YYoours srrnu Oapamnem. You aril destroy yon tai cedw and 350.00 and Its pucsw ws Aids in yaw tome sere err of address (It vet own or Atrin 100 ma our swa . y . o ea sag New Baiance N,wae on par preduus atatolnent N hR (W atrnrae acct..,,Ayes rarpl i pmr6lwbed Mire, g . n Y operate the mordent, M N air rased Vain Its if ve bd.- y zeW • sleds armors), new and cane ??p you account. If you droe tsrecel adwNsmrbale proPsaY a •aMre, ere pto haers twns wbidh Pon m Yen taschose ra W-Cial Mansrrdced kern +oagaahsa, we vi eeeidar covered re pn im, of aware u location of Wrduse.) purdaa aeprorea re mhaT added 1. en duty bal.- We e /e.Npl of • ,,lye Yea alleratit)tiaa m nw- VW Please remember re ape al Cormyadence. dallY 1.11- by adda. a ate day rakWte si, •v 11 axes. A esionaev. Veto amourm rem of be Closed b.larcee together sad dvidrey she .Urn by dew mm-ter of Ursa you ray ea eenereM You awe us ir-k-b-F any t Does not apply m rnenamw roncmaR c?b eceaats dw days in tree tnRast bMV cycle. To calculate your total mr,acdone you hove rsohnrm@ed, imr•Q classes, pen rirsa ne dsrpe, nafti ypar average daily fail c by the deep psdodc crew era by den maerbet W days I. to tiling du fees, ovedair lea, nmwtad im a m its, ash advace TNS W aney sew Mss aeeeeaed to your t Doss err apply m basnaas lean-credk cod sctouss peep, Out to minting on a dsky basis, star may be a .a .,,arrow bemmem /NS caladation and the anotse of atxoha.. YM am neaperul6N Ise dens amsass wlwker =.= on per aura N den lltm yywou ,aquae 10 capital One eppons bnlOSaeian pdva c1' platection: ace otrr wOb he at am a xapsNoressrn eminence Wrpe ecu,lly easassed. If to rde 1 a N eppaam an to *am of cis nnmm b rzvue a esy ere leaned aaeegiav to pair mquN to doe den octanes. This mail nrdt in . 1 One is a led .01 melAend service mark or Capital :V a . nem to "Balances Rae Applied To.' we owhlphy der .,_...? .. ...,.... ..n.........r 1,., ,av.. ...veal. chrga aypeemkg on you ecrnues seer you rave ed den axaaa m be dome as den msmio of ; 0 Orr F.1 Corporation. AN dgms amenved. 2003 rund CepbN Oro 07 LGLBAK 27327M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:OD p.m. PT. Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 03 make a your credit with us, you need Your account is delinquent. To paymenL We want to help! -4 We can help-but only if you call us. --,? When you call, you can make a free check-by-phone payment. Return your account to good standing. It's up to you to take the first step, t Call us! STD 1-800-479-7231 Capital o , COLD MASTERCARD ACCOUNT JUL 12 - AUG 11, 2003 5291-1518-5636-1793 Page 1 of 1 Account Summary Payments, Crrdits snd Adjustments Previous Balance $1,53520 1 21 JUL ELECTRONIC PAYMENT $12-%- Payments Credits and Adjusunents $25.00 2 04 AUG ELECTRONIC PAYMENT 12,50- Transactions $70.00 Finance Charges $34.D7 Transactions New Balance $1,59427 3 12 JUL OVERLIMIT FEE $29,00 Minimum Amount Due $1,09427 4 11 AUG CAPITAL ONE MONTHLY MEMBER FEE 6 00 Payment Due Date September 11, 2003 5 11 AUG PAST DUE FEE . 35.00 Total Credits Line $500 Total Available Credit $ 00 You were assessed a put due fee of $35.00 on 08/11/2003 because Yota minimum payment was not z - Credit Line for Cash $500 received by the due date of 0&11/2003. To avoid this fee in the future, we recom that you Available Credit for Cash S.00 allow at last 7 business days for your payment to reach Capital One. At your service To _U Cmtomer Rd.6-, or to report . toot -.W- u&- 1-800-903-3637 For free online aaaount swim and span( mtoma offer, log on to. www,ap;lalonemm Send p.ym u to: Send inquieia to Art.: Remits om Promoing C.Pital One Swim C.piol One Swam P.O. B- 85147 P.O. Bas 85015 Richmond VA23276 R;rhmond VA29285-5015 Important Account Information Did You Know? Capital One offers more than just credit card products. With more than 47 million accounts, Capital One provides valuable fmanciial solutiow including auto loans, personal loans, CDs, money market accounts and morn to one out of every three homes in the U.S. Finance Charges Plsauser revoir-aee jn -,po,* tat in fiinna- N - a.&-,att PmOA C- ?Z"d Jf ME S ? o >dr APR N PURCHASES 8[$48.77 .07096% 25.90% CASH s 0 (34.07 . 0 .07096% 25.90% S.00 ANNUAL PERCENTAGE RATE applied this period 25.90% T PLEASE RETURN PORTION BELOW WITH PAYMENT. T Cad"" lOne- 0000000 0 5291151856361793 11 1594270012501094278 N Pkmrp-fmoJ:nr.lsim,wl?we-,w;le6mra kl eniVM. ori6ol i.L New Balance $1,59427 Minimum Amount Due $1,094.27 Soren APL 0 Payment Due Date September 11, 2003 Gq 9- ZIP Total enclosed $ tio„L t- A9am,te Peh- AccountNumber: 5291-1518-5636-1793 Capital One Bank P.O. Box 85147 1r1e1n19191r1u1nll Richmond, VA 23276 I.A.1.911e1911111A 11.n119991L,tunn911n9n1L..11+..11.9.1 #90224374978630598 MAIL ID NUMBER s LOUIS U RICE JR N 306 S YORK ST r MECHANICSBURG PA 17055-6302 ° ?- I..+III.t+111....1.1.+1.1++II....11911+9..919111.999119.,19191 F Pkaa -feyow armwnt number-n ysw hak w -my -der ma&payabfe to Cop W One Baxf mod.w;I in t& mdoted __k76,e 61 2002 Capital One Services, Inc Capital One is a federally registered service mark. All rights reserved. 8 O m ri O N your account If It has slmady bean do6e& nor e.ample. if yam awhnsad a Pawcheee from a maaeatt and we mmiv. the tmrrxaim from the mwhna after your .wourn has barn chest, your aeaaaa .nil Its mpparrd. On amore of dw charge vA be added w you -amt. and you v.l be raaporui, , for P vtoem. M stem la . orenberWp I. for Vern eceoted, ft fee wl ardirets to be durgad, to Me amen p ..food by tove..0 the acted bal.rce its bean paid in fill ee defined above. 7. Matte Yale A..oead.Yoer nod s aCCWAN cannot be road In cornocean -ft WlY "Welt g¦ma+w S. Nola. Abend EkWrrie trek Catwrrsrs When Vol, provide a cheek as psymre. You audaorlre as ether to use ihbnan.tion from later Check to make a one-lime aleclr«ic awed transfer frwn you balas ausoaat or to process the ppymsm ac ¦ check tranoweel. Wheat we use kWmaaton from your check to make an fbe mole: and trrokr, trams may be w eler st from voer bard occoutt as sour as the tame WY ee rooaive Vow p.W-% rd you uml not me.1- gar deck be* tents your fear cis ireaheipn. BILLING RIGHTS SUMMARY On Cass Of Enos Or (laesdom AWaa Your Biiq If you lliahk Vac bat is wmre, or if you tired mom Inloonhnbn m. 1mmoclian or bil Mire b a m a =alum drat a sum as pce a the akkes for ings.des shewrh m the more of oft na orlem. We must hear ben you W tide dun 60 days arm see ten yw are firm big oc vrWdh Ina - or protests appesm& You can W ear Ctoo- RuWdre mnber. boe dobq ee MN not ppm?areervadros Yaw does. In your letter, give as to f.N-*q Morm ide. your rums and sccm d narbn, the dollar anaat of the rr>pece d ans. a dsacrip i at the ammr and an a plrutim. If poesflde, of w1aY you baNSre dun its an loser: or If You rood same intamaoon, a description of ft hers you an areere about. You do not hove to pay my .m«mt ti qusadm rtrtk rat am invaripging e, but you ar art obligated to W y nee pm of Ym otN tlat am not in t)IYKIiort Wilk M frwestgarf yaw question ves ranee, repot You as dolkquan s yeas arty aim to collect the smash Vol, *aeorme. r,t Special Rude Tor craft Card Puachasax If yw hove a prootara MM tat gaWy of p upamy or services dun you purchased Wtrh • sett taw arm You here tiled in good falsrh to correct Me prdtrn Mat Me madun, you may have ask *$a not w fay ae terakinp stream due m the property or services. Yell hove the prrttaalm .dv Mrrh the. pudrts? Pfce vvn mom treat, 450.00 and to Padl.ee Fr. aasds a your hone a.w or within 100 milt of your mdit adds s. (if ves writ or opsssm the mrdeen' or B M: maid Wu the advardsomart for sue prapenY er services, dl p ldases ae Covered mgerfesa of atnaaa or ko adon of pu,&.ae.) Please mommiesr to all. V conaspossist - t pons nor apply to cdmranor non-m Br raid sw..Wx r Does nol apply to buttons rrnaadt cad awataris capital Ore sappom Mfoonadm pdvacy pmeotion: see ptr c-pital rt vwrw. rdy cam. c.piw Oro la • ra pfoeerad aarvice mark of a 0- Corparnim. AN iots ----.d. ree. a 2003 Comf Rraai.l c 3 capital al Ora OILDLBAK 1. Hove To A mW A I- Clare. period. mw To obtain a* srarmo dolly balance let he t e. araee Paried. You vdN here • mira- grsca PaWd of bMkV p•de t covered by this ana osta, vs nie the 25 W ys vrhhow fwtce clrtpe m ttsw im tams, nev+ balance varoNm, row sWasl Prrrim.es sad nnu Well, ' ' bepirieq bdacc e,1 oath sagmrrr aadt day. rW Wry nnv tat mdiata w qdt saprwll, and atpwn wry gymama oses m ar from of tiss ft (B the coda N o New Dow" . in chsr{ps a Vw PW you tool acomatica MM :l+e krpmrr "Wks is peystares bedom pp « us e. etnamem rata to 'Batsrce Bare AWW Te; vs ala and in tins for it m be credta l by You mm momrran doing does. Them is no grata petfod se cosh advarhoee leAamct any Womid tmsrtce hfi•aN• hided in the hlaraca 1 sadr eaprem) TN. gives is del deny hsesrra of each b l ras bat each dd ll a sti T aM uru% b adddm, them k ro grata peril m a;nyz trrheection if you do not pay the total 'Now arn r e a.Prtemrs. hrb wa a Wa r sapmrd for del biKep padod and 6vi6 by dat tow Wooer.' mnber as days k fate bWh9 Wind Tlds give. a to b. A..nat, I- charge. Ttrnscdcs w Ac h am net 1) i d .-, . telly belrws of each se(yrhse. a Ra.ee IAPRL AmmaI rearta 3 aege nance subject to a grace period rat armd f from the dote of the use.mabn or 21 from On date t p . a. The uses 'Amoa.l Paeeenspe Rate may appear so tmro.w_ I. processed w you Acamf w S) false Uas fire Wadar day of ttw exote a bit" period Add dFL.J Y, 'APR' m is from of die stateroom. b. If the code P IPdoae), L q-rno. LIIfON1, C (CadiNtaie of if you Ad not pay the 'N.w Baleece' loon gat pmvias Deposit), or S (B at oed Ptlnel appasa m de loaf e,1 Wittig pemod ill kA, fbhso Wryak ardms to accts w No o amps m nee to tat padofc mrag, chars pe?oft ANM/AL PBICBIrAr3E MTFS m f yyo0uur uip.id baianoe mN the erapaW Eatarce I. paid In kdl. even if my sW our Leless dharyea 7Tf. Mat troan yo u rq muss ar mr.aptvh Wueeee booed rosy vary acertety anndd Y taos.ee « , X. L Indiwsed m the imm of M d the an you Wy Waft sfr eat m tat Ailed ahaea, as toad it 7Xp Vote, st tem e m by the less stttamrt doatrq date, but fd Jaw,* pka tat margin peev emely fadoesd as you rot do all for the Prewarhs anoefln. tlrWid finarr.t durgu Tlrae dwqu wl h efkcave m eat sale day of gar ' - ar edfd to the appowite segmra e,1 Vista ACcom. t c. Ask. Finn. Charge. For ..h bg&V posted them daesMro artfrhp blae padod artiest WY Wu I I in tat rater". Jaaaary, Apt. JdY am paohr. you ar:e.Nrl I. abject to a Farce crags • terarman c. N the code D Palms), F (I - LOO or G Gf rmo. ww r1NAMCE CHARfiE ed 40.513 vrl be imps" It ride LIBOR Ropatad r«MVyy appears m del bast olYou taal firharce durpa rerdrihp Ism, the sppllratkn of you seem"" naa m gar periodic motow, tM psiofc mats periodic me(s) I. km tart 4.0.50. rare A rbtron shoe and armsWMsrp ANNUAL PEACBRAeE RATES may aomv, fotn the $0.50.bdoems sad tat dfloselce vdN be vary mrddY arm hhleY • «dsoe.ee based m all billed w ae is"le, sepnarr of War a-Vull. atattm Nfos, as foram in 7Ae whir 3~ -b-.K A. I t d. Tenpsry Ikdoti.n in Fiore errg t. We mseme all - you 71ras Umrpes Me margin pmviouly ferJoae t te rot aseeas arty or ee Faro delves ter ally given r r d m the sat WY of Yen 1dWq Waiod voilbsilloctiv W R l Role- Ikwkring New Podre.sl. 2. Avr.gs Deal ma0r d. Assamoart of Leta. 0-11" sad RaYanM paymrd Fees. Rnarce shame Is catNered by mmnlWYatg 'Isa data a. Yet aeoue vrl be .8812-0 me INr stn tws ot tat nee: b.I.- of each .go. of You atzaaf k.0.. -s h sated hers dm occur dui, wry bare Psakd. Under dot advsao, phrrhaee, Pa" '-for, and ap-.i phrcheed terms of lost ortras, agoras, we seene the rigfe to by the e«mapon6aq daily parioft meW melt tree her votive s not to assam ashy fees vetwle pis nodfitrtkn w PreviouMy ftches" to you. At go war of aadh day f•fae you v Isao wmr Wq our dot fat arras is cans « samelar the bNWq period. im aptly the daily Wdoda: has its each i AN Gal ot leas rt a Iatar are. R a roensberMip in srhrwa Ym Aesrft 5 su t y a = s l m[ of Wer sec." to tlu eegnera. Than a the and of fns bWe pew. wen sell up . . e appeas m the fret of IN. stalrrd, ya hear 30 she rears of theme daily alpiaterr to solve n your pedofc snonce charge Im each wg eel. We add op the days from del does, Mk mamnst sees wdlsl b Vour le .%old petals ih be sr to here such in r?sftsd to you mat uNS from each eepntra re tsmm n the tow pe fofc pedo4 yw troy it you ran.aa Yaw aortae. Duke kids faunae charge for your sxourt To gat Me dolly Glance or*- to ass Vmo' scant vdtars hhdae b Pay the for each segman of you armuf, we take the booming wrmrhwrtp lee. To rarcal Vow aeoum, you mm Glance fir each segmatn rd add a" nave, twrats4lam notify a by cab, - Caatstn Rds awn Deper eat t and any pai pdc fitirals dathOS uak,>rsrd m ste prevbts d.y s bs(sruos fe, dot aelFasm. We deli sustrom raw ==1 Mew Baiares' In fA fehd?9 the ai ploy to tat last .f /tat t ill day period. W Yommm or offs p - a .1 tlrr day dart No aNOrated 8. a You close Yarn AOSrat. Yet on sap" to clam rce to ,her rtpnrm. TN. gales es tot laparm daily bM It W tat VYaa1t? •Ca1mM by cM" Gle OXWw RaYllas Yw nun dent oy you emdt coo isl artd De n.ers pa goo or each sepnen of you srcosaf. Flovaevsr, New Bal.rr.. al- m Warr proalas artehrart in *0 (or W . .Sort scorn dateka. carnal a• pYldptemd bVk g, if your new Glance vm. few «. weft amsos), row rd amaee uaq ymr ets«mt. If Vw do of ercd tmreaciam Which pat to you Pradhr Or special i n.sth"zial aloe a^.^Ns . ms ai aawide' purWae aspsremc am nle added mar dairy bell- We ft N he d mat's of a lire. your au0seftaam as map- groat en .aahf vM nits a dosed amm AddthhMM s t o Clicul lee ae avarsge dolly b/aee by a &V a y bar*- ingedrr ad fddrq the sera by the mosb« of rx . , Y lath Vol, pay ail reassess Yea - tat bmdetow ail the days in the matron biWq cycle. To takdom your total oarosaims you here aatleattlot lim ce drrges, pale :11 dergc, muhiply Y•uv svmpe daily balence by tae r.1 Wrlodc me and by the am.abeer of Wye I. ae WNW, due fees, «r1Fit tams, lowered Wymmf bas, nah ad. tae .1 rq other tea assail m Yes period. Due to rowMrq m a dolly bait. them stay be • -tms. Yw am mapleMMe for sera ammsrs Warlief oltoa vad- htwaan tie dadial- elm the loselam ei try appose m your acaraa me the tea )Wout aeQdQrt to firuro du eduesy acrd- b. If ih code Z or N apWam m she tam d this natemem doe tel aernme « they efts aorred aebaepat w Wu topcoat to d o the erxsst. TNa easy rardt In nit to 'Bolance Roo Appied To: sea .aA*y the ch.rgs !pPe•dhN m Y•w auxem other You h "T 26072M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 94 Your account is delinquent. -4 o To protect make a your credit with us, you need t payment. We want to help! -? We can help-but only if you call us. -- When you call, you can make a free check-by-phone payment. Return your account to good standing. It's up to you to take the first step. Call us! 1-800-479-7231 Capita/One Account S Previous Balance (1,59427 Payments, Credits and Adjustments f.DD Transactions $70.00 Finance Chagos $36.09 New Balance $1,70036 Minimum Amount Due $1,20036 Payment Due Date October 11, 2003 Total Credit Line $500 Total Available Credit $.00 Credit Litz for Cash $500 Available Credit for Cash t0D At your service T-0 C wo- Relations or to report a lost or stolen ord: 1-800-903-3637 F. fro calm, atswnt -iac and spend adoma oB . log m t« wm.v.ap:lalale.com Send pa7nlam to: Sad inquiries to Ann: Rwirnlae Promsing Capital One Senim Caldtal One Services P.O. Boo 95147 P.O. R- &%15 Richmond, VA 23276 Richmond, VA23285-5015 elan Account Infomution Capital One is a proud spoons of the 55th Annual Primetime EmmyAwads Teleran. Tune in Sunday, September 219 on FOX from 5-11 p.m ET (7-10 p.m. CT) to see the talent you've enjoyed duping the past season unite to celebrate another yea of groundbreaking work in television. Capital One wants you to be a pat of the excitement! Check out Capital Ones ad in the September 12th issue of People Magazine or visit redcupetweekend.com for more details. N GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 Payments, Credits and Adjustments Transactions AUG 12 - SEP 11, 2003 Page I of 1 1 12 AUG OVERLIMIT FEE $29.00 2 11 SEP CAPITAL ONE MONTHLY MEMBER FEE 6.00 3 11 SEP PAST DUE FEE 35.00 You were assessed a past due fee of $35.00 on 09/11/20M beano yow minimum payment was not received by the due date of 09/11/2003- To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. fmapce (`lam - Pkwercrenatetidejor im#dw t infamd E.?sarar C ^? WEE tr 4lcda. .,r PURCHASES S1,640.86 A709VA 25.90% 636.09 CASH . too -07096% 2;.90% s.oo ANNUAL PERCENTAGE RATE applied this period 25.90% V PLEASE RETURN PORTION BELOW WITH PAYMENT. CaPffafOnee 0000000 0 5291151856361793 11 1700360012501200368 New Balame $1,700.36 Minimum Amount Due $1,20036 Payment Due Date October 11, 2003 Total enclosed $ A.ccoom Number: 5291-1519-5636-1793 Capital One Bank P. o. Box 85147 1111111111111111111111 Richmond, VA 23276 111111111/ IAI 111. 11.111.1111111111111111111111111?1?11111111 w mr/.?,t .>s>=r w?sr.-? Ala ?,? suer .. ivnt i,I t 9me1 Apt t - City ime ZIP Home Ph- Abearc R- e _ Find Addsm 49025537497863053# MAIL ID NUMBER LOUIS U RICE JR 306 S YORK ST ut .I_ MECHANICSBURG PA 17055-6302 so _ N ? ? 111111111111111t111111111111111111111111111111111/111111111111 Pkaa ImIteyaw aaowd asssabefmyc- dmi w money wdw madepayabk to Capita! Ow Bank and mania the eazdawdenws 46e ® 2002 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. 8 O O N 1. Novr To A-W A FIr- Charge. peaoeC ale To rtes, the awasp daily trainee for the you aCearl H it has sbeady been dosed. For example, 't' a. Qrsoe ?riod. Yau vda haw • mtieran pram Dodd ot biter period a.-ad by this stares, rm ab Um H Yea atsttrhad a purchase Irani a mercer and vre 25 dap ropes Arrce drrye m hero pradwua, hero dest tad rhslr ode f d b l fe beglwiny fames of each sayrwn each dry, add arty mw trrwcs rm m each agarttrd rerwrt any payrrherKS romiw 7be lrwssddm from the m.d.M ahx vote soonest has Ism Wsa % Veto account will be uopremA ru arhca trars re, new Ra a a rhea 'New Balmos' h k H or taedre In the code N appeaw m 1M sere W Uia the wnoue Afro tier will be added to your moue , appa vas yY You sccon6rhm Wdh 1M Yrgorraril Nmiae for payshsrle 6elaw, su score nett m 'BaWrs Ben Applied To,' we A- baf i a d d h U b d d , and yyoeuu ugh be waporrible br peVisors. It them k a lee Ir ou a mere rte bs awl mwit- aan bersN and h rime for h m a uedted by Vot• rust team-s daalrg des. There k co pears prid a rash ahirov d roe rtwoe upe h er a na st leact am, wpaW of each sapmar[.) TH. rives m Mt dAy l I of each dd aa El ma for each T dd p a . r P y to be chrpe4 to the eaverm permitted by law. Was the aid In " as debwd tome aomhnt bYwo has bean srd Redd trrrfere. b adddm, rite k m fink. Prl. m wry tramactbn it you N ear pail the tow 'hero s yy segrrm. up a l w rr M vw a •+lrnara tar dot burg plod and tiviN by dot total . p 7. Uaiq Your Aessu t.Yort card or accoux comma be br.-.' realer ot dap h tha hiaag period. This gmes m the mad in conwcrion aih any ire mntblirp o. Aasmkhp Flmsme Charge, Trarsaebrre wNeh am m[ -%= w.a seghrhere. immutiYR subject to ¦ gram plod am amssd ha-ha errs- 1) 3. Awed Rafts rAPBI. ' B. Nrka Abet Bamerir: Check Coremmi n. Wh- you hen fro date of the vamactkn or 2) ern the dm the may appear u a. The Were 'Ammal Perce-gar Plate povida • check u payers, you auladta to ddwr to Irermacam Is poeeswd to Vow Acoom or 31 Loco >k APR' a the from of di amarrhrt. me hfem .0- bom vote check to make • ore-tins firm calerdar day of the certmm IrUM period. Aedifeaay, b. if the code P Friend. L 13- LMM, C (Certificate of .1so-dc Lead Italia kern your bm k warn m to it you W nol pay ds'1lew Balarhpe' fmm On prmAaa Depoaid. err S lerircwd pdmah apPess m fr from of d d Pwaua de pa u a deck vraaNm, yYhen we m le t t d nork hl i d fy bNkg pososd in fri, partake cmgM mwmma to amum m l he id b id I d t d i o c this ataaeaaa rmto to the Pasefe tmetal, the oe ura rot pprvt phJmq ANNUAL PEACMAOE RATES ro me your o me e min hre eua m uc ec Lst I my be vdthd - from our brt Led lfarsfer . er unpa a ance s pa your wpd b imice hes n This mean that you may mil pas fkh-aa clagle, ever, it p may racy ahstMy rd may kmosam at decrease lamed , acc-M sm some u is seem GY we recaha yor you pay the peers N as Bdw hdmted m tier from of on the weed i6ma, as found in The Wag SUM pNmnt, and you mill nee taed,w yew crock beck free yoe waterer a by the r as wteaer cradrg dam, be dd Jame; pko der margin prevlrwly dacosed as you your ferric ewubldm not do se for the prsvima momR lkpaid $nrhm c argse Thee ca rges was be eflecthe a the firm dry of yes are added a the spplimMe wma re of ME AccMm ba6p recd cprerd by paw parsec wteama -Wkv BIWNO RIGHTS SUMMARY Minimum 1"- Llarga. For each WOW padad that in the rserdr Jaraery. Apdi, JJY ad October. M Case Of Ermrs 0, Ohsedors Abota Your Bill You atrsur Is m6{ec$ n s ,,shoe urge, a eireaaure c. If the code D Farman F n era. UBON or G 13- 11 you Chid[ yaw be I. vvrop, or if you mad mow tow RNANCE CfiAROE of #0.60 v.f a iRoaed. If fro UBOR RePtcsd IsotralY) am"" a fro Lots of vow hbrramlon a a lranmosm or b7, -it* to a I How germ! drge r.wdihp hmh is apimrim o1 tw armwwr here to am prsde ateb). the pedoec rota a soot a potla a the aMm ; for =Wts, a pmiodc retaw is less If- $0.50, wa i$ eWtwn that and oonepatri,p ANNUAL PERCEMAOE MTV my ihtpades leer a tae from of IN. streamer. We here amana area the $0.50 mhkntan and the dfknertm vdlr be vary meldty and may krrasae r fectase based ate A unt year the hear gran Ymfr rm IoW treat 60 == biped to to gecam scopes of yoe arsons. i stand ,dames, u kred h TM ff Sear dmena( Wm i N t d Ta d d d JIM bf or Wien the error a You cen . w wi no i aw Gsta er Rsla dons number W ddr on h rrawe charge We ,serve to T d. Temporary Reduct ept y ase ts the wg n gwm re a to yw ri d w p u . i f d a h t l I dye to not sagas any or am kr- m charges ion mW III- nit be effective ore to Lea day of yen in7np pe o g ?tra. etter, g hw m U ow Pwasrvs Yana . vote o d pRSq pedoQ 2. Avemm 9 Rios Imtkaing harm pVdmaal. each mush. d. Aarmmrt of W. Ov~ rd Reseed Payerrt F. miomadon yerr mom and aaws hunter, the ollar a aaedptan of to mra lmowa of tr auRseu= s. Raman ewrm fe calculated by nK^ Wvkv the ddY Yaw acopum wf be aeaaed re now fan Two of tw Les and an rtpimetan. It phollow them is =,=y% bales of each segmms of you account k-g•, cash listed here tae oar due% try Were psrsd feeder the a soma: a if you M d seen daclpsn of m1roe, ptechmm, Racal transfer, and special psdrreI tams o1 yor mater agree"-,% we metro de dyrl m the here you am ante slot. Year do apt hew to pay eery ' by to cmrespuhdeg deny psloec nws) that has tare waive or mar to memsee my fee rifew pdta totfcalia m ", bte you arndse in pads Witt M era PrehioustV disclosed to pe At the and of each day cis you mitre wahing ou right m eras the mars a shdlar am are oM4n@d b pay to pads of Yeh• riot am rah to bung we apply the daily periodic rare for ead termer of yeas aelaatt v tw Way sdmhos of aefit leea m a kmr tlwe. S,4; "awkO Yv Mama. H s amMerdep fa I. tpwsdec Mile ere bwutipme Vote pease, we cawot repo" Vw a dteRnpr[ or uL -ry sctlm to collect tw aeppm. Tlnerh a to erd d der bKrq period vre add up appears an On from or this sammre, ya love 30 lmrem yw ousaea. the malt of tea mW mkJadors to erfiw a year dap from to rIM this Mar mum wa mdsd m V- to perkec Ilrr mss dsrpe far each aegrhey. We add up to awed pybg der Le m Mve suin fa eneW We you : tai' Special RW Far Crest 6m Pudmsa e.Ws from each smith its Andre A do coal prfoec ms . Duke tai patfoq You may if you tanc?d year " srome doge for Yoe scars. To g+t the dYY bafernm mrdrme m taw V•rrr mews tare-a frvkg to pay the N haw a whh V. quality of 11 br pace eepeva ot , aamoue, veer tab rhs bepkelrq rrhmrbatdip bar To cmod YM cleaver. Vrr Beat r4ces to yom Pedmed wM a creM oN and you hale- lee each ,area ad add rarhhyt' new om-c feri redty m by of V w customer Ikdatari Depsasra have raid in goad few m correct the prober wiri the aM red perigee lharse cage calctl.W a de previom eet we than ,&. se th N b f f t rind pail yw how Balmrc h kM MtnaraLg to mewerahip bw prim to fa rd of tin tirtyday pdoA tmrdsa, you may have the dlIN am to pay the reaming i h y ye a wtm a a uep osted n of that day that aw Neared mset r cases pa B. N Yw L1a Yv Aee-.t You ran r.pwa m due w. You haw this !mama due se t e property or smt y g I t tl h i r p Y to teat aegn-r. This giro m to arrears dYy bdmnr yyrowr actaws by cafheg err CM~ Raldrs eh piaa p, or y y o purc ase (r ce can me e 0D rd it hom care r $SO was . ? for each segrore or yaw stoned. Ifomerar. H Vote aid fre aRaraere- Ym mast demmy Va. meet fadfel s d Md 6N d t k e . hvidin 100 adise?wi arldnea?f we rhp Merv Blom afawrh m vw pteviotu summers h he pr ii your new laalem a vas tern or a cte % aam m), hero ar coma secea choc s, tarec ttau m n0. p rah tareosl end tteass yahr acoan. a you : operate to weeeat, or H mw maid you to adwnh an-a for Use property or services. as purchases, twraaeim -4" Put m Yaw P-ch-a r Racal . Dweuhdtea hietp atcrgemems. vf emtMar r butim of purchase.) w mated wgn'g..a d tm purdaa sefrne,s at rot atlda0 to the ddY bstarhra. we remip ot • clarg+ vainer auleezsrsn to ataPsn our = Plesse rrnerir m aigt ,1 coresp-drwa. cslctite the .maps lily bdmas by =leap se der delay +ecour. Adgtesiy, year accous Ng not be closed Mlmrms togmlesr red tfiwdrrp the ale by fine realer of I carp Mein pay r semesters Yea owe m b kokw toy t Doan W gply b msmrw mm-oft crd s-W. c . To Va. the days In the carreart Faroe carpe, rmlrMyy you swap daiY balsrroe by leaned daffy PedmdK me and by the swap of days in the burg tlus feei?owa= it ilea returned paYrher fm? a adwnm farm and any other fees reme reed to you Does err apply b krmnea nsne dAp um accovda period Dhr to ratmerq a a ray ads, fore may be a dirk wdance be/rwern area talctdada and tha awemr re accmM You re rap-a- far 1Ma enema Wsfar tey appmr a Vote scosers m on farm you eamea to CaPU OIe aprons lefelmatim pWacy protection: ere on firm- Jorge scusey aasod b. If the -ft Z or N ,pure a slot *am of this ante"-e doss fe ausum a try am imgrwd ttWagtwd v yrwr agar se dom to sccwm. This ray -A h vwafte a cam-er capbalona.cotn. Gpltd fyne s • raceway ngmerd semice mad of Caphal rew to *I WarAON Rest Applied To,'- rMiply Una ., .2w .....? ....? r.., ...anew din. appeadrp a Y•ot aacerml =V= haw .... rt dine ..rot." ," ha dead niho M nrharrcd Cop•aad•rh. AP rigs rsrved. D 2003 C phd Orm 01 LOLBAK 26587M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 045 C?PffalOne' w#&sVs ka your rr4dW?" Your account is about to receive the worst credit rating - an RQ. Your account is close to being charged off. • The result is an R9 rating - the worst credit rating of all on your credit bureau report • It may prevent you from getting credit cards, an apartment, a cell phone, a car loan - or even a job - for as long as io years? • An R9 will limit our ability to offer you financial solutions. • You will still be responsible for repaying the debt O 2003 Capital One Services, Inc, Capkal One is a fade Good news - it's not too late. • Call a-&"55-66oo for payment options. • Pay with our free Cheep by Phone service. • if you have online access, tog on to your account and pay now at www.capitalone.com. • If you prefer, simply use the remittance coupon below service mark- A3 tights vesmvee. a5-03n3 Capl al Gw Account S Previous Balance $1,700.36 Paymems, Credits and Adjusnnems $25.00 Transactions $70.D0 Finance Charges $36.94 New Balance $1,782.30 Minimum Amount Due $1,782.30 Payment Due Date November 11, 2003 GOLD MASPERCARDACCOUNT 5291-1518-5636-1793 SEP 12 - OCT 11, 2003 Page 1. of 1 Payments, Credits and Adjustments 1 15 SEP ELECTRONIC PAYMENT $12.50- 2 10 OCT ELECTRONIC PAYMENT 12.50- Transactions 3 12 SEP OVERI IMIT FEE $29.00 4 11 OCT CAPITAL ONE MONTHLY MEMBER FEE 6.00 5 11 OCT PAST DUE FEE 35.00 Total Credit Line 1500 Families in PA EARNING INCOMES UP TO $43,240 per yyr?u may be elide for low-cost or free Total Available Credit $.00 health ran co c age FOR THEIR UNINSURED CHILDREN.1f you or someone you know has a Credit Line for Cash $500 child without health imaanee, call toll Gee 1-877-KIDS-NOW for information about the low-cost Available Credit for Cash $.0o or free health ore coverage programs in PA At yow service You were -messed a past due fee of $35.00 on 10/11/20M becamse your minimum payment was not Tocall Customer Relatans or to eP Id or stolen card received by the doe dame of 10/11/2003. To avoid this fee in the fumae, we recommend that you °^a allow at least 7 basins days for your payment to reach Capital One. 1-800-903-3637 For f-nll ..tt rat serutr and spend outomer e8 , log on to: -ceptalonneom Sad p,7mrnu to: Sad ingiirie, to: Arm Remittance Promaing Capital One Serum CaPit.l One Serum P.O. Bar $5147 P.O. Bas $5015 Ri hmood, VA 23276 Ricbmond. VA 232&5-5015 ImpostantAwoumt Information Cast your vote on capitalonebowl.com to help select the National Mascot of the Year from the 12 finalists, and be are to tune in to ABC college football, ESPN, and ESPN2 to see this yea's mascot commercials! This year's winner will be announced during the Capital One Bowl, which airs on ABC at 1 00p.m. ET on January 1st. F-mwxe Changes P/eJer resmeiikfi, imforloat ndioa -farrr ? 81 ?e j Pbd ? ? yga6rlb nee PR l:tfAR m PURCHASES 31,735.28 .07096% 25.90% 336.94 CASH 3,00 .07094% 25.90% $A ANNUAL PERCENTAGE RATE applied this period 25.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. V Ca/Htal0J`, 0000000 0 5291151856361793 11 1782300012501782307 New Balance $1,78230 Minimum Amount Due $1.78230 Payment Due Date November 11, 2003 Total enclosed f Account Number: 5291-1518-5636-1793 Pkcp.:r..dmg Ak--t.e-sorA-Z.ki-..ZM.rs.HatiaL 5mn Apr d Grr Sm. TIP Han. Anne Ahmmt. Phone B Piae7 Addrea 89028537497B63050M MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 {tlalulit,nl{rlrlnl °? 306 S YORK ST Richmond, VA 23276 MECHANICSBURG PA 17055-6302 Itrlaltrlltttlell.ttlall.ill.ttllt„II,„IIr,.Ila.all.trllrarf -? IaralNraatilrtttltltrttl.tlitrrtli.llt.r.tlal{ir..rllrr.l.i,l Place twit' ya aaroanr rnoabefm ywc.har# w Mg area M*'*'gvzW to CVkW One Bacot aced mail in th ea 1-danwA30. r 8 O n [L fV Palate, ran. To obum the aeerape dally balsrae for if. bile Perms cowed by tltia ntarwsr, se tats the ==Mr.- of each oa4rrse NdtwprenV. odd any enw Neh Nacre, artl any?ymwe ot rmtara M aM cob M appess m tM heel o this wtNnatt am ta 'EeMs? Rwe Apples To,' alas sl6rraa `W teWM fewae dteree erdrrdWb In the balance d Ndt ayr 1 This daN N Mdi6rly sssx d east Japery a bMilirto?vw?fedrs °d ands food "ch aaroer d days m "* blipplod Tte.s p vN n tro Y 6alarct d sSdt sepses aveape %:;="* 3. Arewf :.t! a R. fAPR1. a. Th. tsro Awnee ParcaraeBe Rae t my apiary s -APR' on tine byre of this creases. b. H tiR ca4 P (Priard, L 0.sa LMM, C (Cam Nice. of D.peala, or S (Betacard Piss) appeas an dR from of this aaeews mere to tic peiosc 90-M. the Salad, roue and may twmarporrarq AIaM1AL PB1C91fAO ftAT6 may -arty q.=V and may btrse M dreass hated an the spud bndrea, r bard's Tae Nee Spear go va, Thaw dr= WIN 10 emery gla 6 ? st Y yar badta period -m-d by Vou lion" C sutsnan adrp in rha sargr .lesmry. Aver- .Miy and Gaaber. e. H de rode D BirRl, F 11 wrrn t)BOIp G p+so. LIBOR Iopeced Me~ appees err W: sRn d yap sMttntee at to to Pales, rtatil, tlr pedodc Mss and arerpatd p ANM/AL PDICSITAGE RATES may vary teorleY and maY YTCrisse r decease bend on a no aund :ides. s Iorad m Tae 1WeSeaar.lvrmsat plus er reps Pmdet d tlladsrea o tma 7bill dwges veer M elocdw on dm iro by of ass OiGp Period each rrroW 6. Awm Id Lase, O and Reftaned mm of" tyro. VM. aecoLi rnra W be a.nj*-d ro teang es tinle two of UR has Reed mat Aw Scar draftger erry hire paled i tt. t to Lamy of Voter a erne to tight aptar ee a Imagipher w th Dot s mmega sees arty 1s e prix r h"g u aive veiveq tips r sees tar same eR or firMar you wows w n e er dare. 5. Yete Aeeerae. H ¦ me.rbaal} Tee appus on tha fmm d cis ataranaar, yw ham 30 drys Irenrl dr Mss llir eaUnrrea wN waged 10 you to vas pvbp tM w a to lRVe .nerdy fN a.da.e to Vw if you tartul Yotr atxRraa. Dsmg tbh peioa you may coraiate ta tae Yetr access wpMr haVaP m pea the rode tairp Caff Dm llapr am l and pay N.w Balaros- In Its ledctdrp err aawrrmers. =Pt of d. ewry6y polo L a. w err.! msa. Yau on '-pryer r doe ni tat by n im, deeev Vey ma V- fialsora yam u. Yea test Davamrbrr. seal wdld ad rx:our erxes dneclr. ,.reel a• pswndwrd Nip, and sae Yeti s wawa. R Von dome nrrud inanxiRdzd arterpreeaA, we -M maider rcroten?Atlatioroay, yptp?n?isp rte MVO A =.B tar wYYd ereauea yon erne N intadetp reW A d w haw autiRet.d, fmteR dryersman, p due has. e, Seiler toter. e m p.Vruew fen, -d- fen d any otl- ham esesed w Vote access. you am r.epsrerse for ensa a.nauma .1haft r clone the A mar that' aeon m appear do dm V- qum vote mci me to dire On aerates. Th. may rah I. yotm account if it hae almady been cored. For example, if you Jt t.2d a Ptrdraee Ira. • merdtem and rvs receive ti? ramecron from de nardwg erer you JC,dIg iRS b.et dNd, Very a„arenl uia ba yourr-_-ad, timer rnraet d the clmrye we ba adds ta attatea, Jed Vyoater we M ==:w for W rnem. M tree I. a rnerebsalip fee tire. Mr fN vA comirm w ba dRpd, w tM eaaa permine0 by Inv, tell Mee sttasn balace IRS Bean Paid m ks n defked abrwe. 7. 'mW in o consmClian m n with vAdi r ua er att ,armor ba rued am/ iaere ym mblirp t a li- AbAh M_ y- 9. Maarled et Eli p.e Cm. C -J alt.du W aid_,. tePrawid. e Ing • dnsr2 as N pyrrnere, You sudro uJ use infer a nion bas you dnxk to make a ate-time etaarono bmtd tarots from you bet aasug or to Procs tine Paginate At a crack or-Apt ion. Whan vm Oft foal ton wry yme a rla,awew°Ui f- yoR bank avatet s aootn N the same daY we rnalve your ,7= and Yw Mil rot "calve you check back from Yete 4tardal esfiMton. BILUNG RIGHTS SUMMARY (m Gr Of Enos Or Otmaiots Abate Your &U H YOU Mink your bill o vamp, a if you road man int.rnnattan on e tRrraction er bin write to u on a mitan a at- n arse sot porible a it. addree for kpidas abate on the Imm of this emtamard. We mull tatat Mtn yw no later dwn 00 days after we sag you The 5ro big on Minn Mta error ot vmhien appeerd. Yw can us our Umaror Rtlefiarr nanber, Mat ddnp ao rural man ons, P'e'w your d¢aa m your ll'Ifer, qvs b tM ta loper ?romtaria of f t Vag cone ad aWtea re san erplaRMar?i, yflyit d error. a deaedtlisdon pMOn of f the error an ena; er if • d wsw yW beget! dRfe lg the has am Rrae abae.YM doo not h w =y enY you .rooua let Prsien venih vro aR mv.eipatkip h, bN Van ro eta abbpned w py Mta pa of you hill tlRt an art o tyaetlat. uvlile wa owMpete your question, we cannot MPmt you s tlaartgtws er cake any action to colon The amouR Very Macedon. i,t SPedsl Role For CmM Gm Pum ems If YOU IRVe a Probian with tit ptWity of propny w row tAW at What you Purchased with a crodt cam ad you good bath to cbrrea dr Prabinn Alh ion merdnan, you may have ft right not to pay the tenaktkq matter due on ere pcepeny w NMtea You have IN. Ppt60asce?'arn?a ?w1st Uta purcmr aIn wJS man Lire wtiin loo mlksvW Rro ewer rnede m yRm rrome stor or Vetr mMi^v addroee. we awn or th W-rdi ere Ion lon a, or H ere m.aed turn the dvardosnm Yn DrapenY m aerrices, all punurch. am caearad rrperdeas d aaa.g err locatiarn d purdtx.l Pleem recstrnb.r la aNrn M corr.apamance. t Does not AWy m coat- era,-Oeda card account, t Does mar apply b brsyass roe- odif card acrnonts One atyporla int0aneion pdvacy pramdon: see our n www.uplfafam.tsm. One la a lp-tioy rAlistsnd memo mark or Cephei One CupoRean. Ali ripas reserved. ^ 2003 Oro 01 LOLBAK T a. Draw Paied. You rda Nye • mkiesan /Potty Arid d 25 day. wkMte fnsKe dwgs on rrsvr purdrar, row b.l.nee trfaRlMa, "' apeeiel lJadre rd rRw odw durpn H yotr pay Yate Lary "Here Bdenns , m smordece wFth llr bnprtaa Node for P. bdow, ad I. time tot If to be rotatetl by Vote nice suagment doekq dam There I. ro peas Period an malt edvrnras and Spacial imnafen. m ""ion, time I. ro ynce psriod on any irwwc6on it Vote do not Pay he we -New b. A¢onitp Fkrree Qwpa TRrrenfmr v*dch an not b". eLjact to s graca n rsmsed frnartca dugs 1) Iran the dote of Or= a 2) Lan 0. data the tronraion la procaaad ta Your Arxaua er 31 ban ene eta ularLr My d iM tarns blip pdod. AtlatiaRBy, '/ you dal rya py the •Ihw Bdree' irate tits praNns efs:q period m fiA, grtrrm rinrpn maroon ro arxatm to Vyerotar'agtatd balance until tic urpald halerrs la paid in kA Tltia meter ==-.r= s, none if Yw pry tie m6cNed an the bmi of Vas aatenae by ton nee 2011mo a doeky tats, but did ref an r otiM ts prewaus maM. Unpaid frrata2 d-W aTpltohle aeprram of your Accarn. t c. bTinirreN F. CIr.t9a. Fo[ aerh dip pdod der Your aaama I. a?j.ct w . era ce dwgs, a mini im total total t=ern CHARGE of W?50 il bane-kerp?oieosrd. I" prt.d. MNsI ayoime Mar x.50, wa pis atbtun your amass free the 60.50 m irmiu m ariltie d(fMace mrM be 6aleA ta the pueNea shwa d your d. accataa. t Tampa R n rat dwga Ws aerate dR right to rot iasp mein s any or all fmrrtm riRrpm for pry pivon 2. Awreaa BaWro. lit h li a New F-hsasl- a. finertrs cir.rgs I. calnJald by tnliHYgq tidy balance of aadt aspnraa d Vac ausotert h.p., ,salt advrce, ptedrea, N.tial rmmd r, std p d.1 pud*W by the raerapan6rq rfsy PefmBc raftW den hr bean prevordy drelord w you. M tM and of Wit day e+dr9 the Wing paled, wa apply ifte rid periodic M. for Nnin aapetra d Your .=04w Mlace d "ch apnea. That at he perod, we add ter ton malt Of dry daily cMW.lione to amber in your period, arnarce dRrgeSapmeaw !rip a MR soh rprw.. We & add ter the rteaJtS Iron .acit Lard ,.p finance charger for your accmra. To pat tie daily balance for each for of yea amts, " take dr Osphsgnp _ "ch sepcrad and add aarrk/ now nersniero ami der 'balace hr the dtar0a tala/atd on Me pRalae y aapmee Wa ti an . e Han pry pVment a endil paned s .1 tie day tine sro eganid i10 h TN. phi. rs tlr tapran rWy bal.nce Now .:n M If o acwa- Htramvet. H - fluid the you ptevis seta me t in tub lot if tour new 6alamx ion zero or . nest anted, new P-he pro wnidn pop w yw predrN a y elm umhas aepnaas eR W adsA a do tlMy Odentcn. W. utculste tit awape dsY balrece by addrp M rte daily bNaaao tagsher ad sadma Ion . by tiR rraenar lo tha dap o tit , rrert bBMO ,Mrla. To eala4ta you fetal finwce c to rge, nmlbpfyy yam avaapo daay balance by dR Baby yids, roh' The narW.r d dap m tit bekq prod ..= on e daals, tMm troy M a a0pht vadrnce lmrmmn this calarlwiern acs tiro Smam of 5rn.rae carpe cmally amesad. b. HIM Lade Z w N sppna m tM Gera d cis .ttemem next to 'Balance Rate Avpgd To,' ats aaltiPlY tM 15950M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Nbnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Surf UP to 5x fastertam FREE Aooele tnrmarustr2m 2 1-888-587-9669 Mention Offer Code: COIN Visit www.peoplepc corm/go/coin 013 UNLIMITED INTERNET ACCESS PeoplePC Online offers the features you would expect from higher-priced Internet Service Providers, including: V Virus Protection powered by Symantec- JR a Pop-LIp BlockerT" Spam controls ®. Smarter Smart Dialer Technology ®? (W More Email Addresses ®. Cf Internet Call Waiting Cap"alow" Account Summary Previous Balance $1,762.30 Payments Credits and Adjustments $.00 Transactions $70.00 Finance Charges $40.25 New Bala= $1,692.55 Minimum Amount Due $1,892.55 Payment Due Dare December 11, 2003 Total Credit Line $500 Total Available Credit S.00 Credit Line for Cash $500 Available Credit for Cash $.00 At your service T. eaB Customer R d tions car I. report. loa --den -& 1-500-903-3637 For firm online account scam and sP.6al ontomer offer, log w to: w ,capital-mm Send pgments to: Smd inqui 6 to Attn: Ranittanm Proonxiog Capital One Service Capital 0-Senioe P.O. Box 65147 P.O. Bar SS015 Richmond, VA 23276 Rkh-d, VA 23265-5015 GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 Payments, Credos and Adwtrnents OCT 12 - NOV 11, 2003 Page l of 1 Transactions 1 13 OCT OVERLIMIT FEE $29.00 2 11 NOV CAPITAL ONE MONTHLY MEMBER FEE 6.00 3 11 NOV PAST DUE FEE 35.00 You were aacssed a past due fee of $35.00 on 11/11/2003 because your minimum payment was not received by the due date of 11/1112003. To avoid this fee in the future, we recommend that you allow at leas 7 business days for your payment to reach Capita! Oft. Finance Charges Pie iIr reverie rldefor Imfiortomt Iafarmofwa f pm Be! d[ Perini r??y^?-i_•j ,(??µr:? 8 dm Id, d l?L PURCHASES 61,629.94 .07096% 25.90% 540.25 CASH L00 .07096% 25.9096 6.00 ANNUAL PERCENTAGE RATE applied this period 25.9096 l1_ T PLEASE RETURN PORTION BELOW WITH PAYMENT. CapnalC j?a 0000000 0 5291151856361793 11 1892550012501892551 New Balance $1,892.55 Minimum Amount Due $1.89255 Payment Due Date December 11, 2003 Total enclosed $ 1 ?-1 - Ace untNumbc 5291-1518-5636-1793 1 p.vAa&dIdA-- mrliwe-rrvilrl?m?dc&krm ui, b1w-1.4".4 AF- 1 GT Se.u ZIP Home Phme Mum.u Ph .. #9031637497863053# MAIL ID NUMBER Capital One Bank -'? LOUIS U RICE JR P.O. Box 85147 rrr»rurrnrurrrrr.r om ?? 306 S YORK ST Richmond, VA 23276 MECHANICSBURG PA 17055-6302 rt.r.rteat.trtutetrtrr..rt.terrtttu...a.ten,..u.t.rrt..r r...car...rrr....r.r..r.r..rrtt..rrerr.,tter.rrret.trrtt.rtr.r Reax wnteymr aum w nwxhG on yore abxk or moray wdor xaodcfayobk to C4,fd Om Bank and moil in t!m -dw d etm&,ka peoplepc- online .i A better way to Internet. F pit,QpWcx online 3% s YQ &.RT A better way to Intemet. MECHANICSBURG PA 1705546302 UNUMITED INTERNET ACCESS 1-888-587-9669 Mention Offer Code: COIN Visit www.peoplepe.corWjo/coin PwPWPC is ad* =Mubb for tlha dial and I$ not Angled adth C*U One. Capital One does not provide. ambits or guaades, and is not af5feked with. any product or service shown here. Any baderlats meIDored form are soldry cooed by ft raspoefin ably. AD dpMs reserver. By responding k gas; dfeG You nay be comtaa.cffig i ionnabin about yoriel 10 the tonpany that provides ft product - tar example, Mat you we a Capffal One wstmreL 'PaopbPC OAaec Fist 3 nocdw are bOW at 4497 per monux Sg.% per n1tMh tharfatm Oft avaiebb to to. cW-w atbsabera at lent 18 yeas of age and may not be redeemed with ay other offm Offer subject to charge at any tone. Phone axieieal support avabbie for 5195 per molae. tAxalarior is five for 12 trdtta Offer good low larded final. After the first 12 troil to Accelerated service will aulomtir ffy revel to In stantdard PeoploPC Orlin Service. Offer abject to flange at aryine. Wth PeoplePC Orir. Accolama4 cater Wab page toll and grVks w. bd taxer when cmVaad to rrtaldad d w-W krustrat service Acted f®!s may vary. PeoploPC Aria Accalarated is only canpaible with PaMW Orin Internal service axt specified Winds" I>,osaa PecplliFIC pike Axalaale l is not canpa4Ne with Mides" 95 with IE 5S SP2. Service tallavidebleiL allarea. Aecessfees, taxes, end otherfen and mobidiotr may apply. Telephone toll chigoesmay apphit eym drag trial pefbde You am rmpaable for deamvirg whether a call to one d areaxa istnbect tat re" in tdephae bit dwges Acorn erw be fniled eepe * d rov roes of peak usage Dakip rearbow may be dogd at PecplePCt ria.+elsn. Corfialous Lae abjed to arrest procedures. AN use is albjec[ Is PeoploPC Onitet Sennoso Agrrerrafd end Acceptable (se Policy. 56K is the maxenturn sped of service: actual Bond may vary. 0 2015 PeopleM Inc. N Rights Reserved. PeoplePC Online and is bgoc as tradanaks of PeopiePc in the U.5 ad other cpaarin. 02005 Coal On Services. inc. Capital One Is a federally regstad wAx nark Ai rights aslsted 8 O N 1. lbw Id Avoid A Flnrre. baps. t e. (kw Period. You ova have amsriswss goers period of periodic rate. To obtain the average daily balance for The Warp period torcrad by This summrn, we eke the W. access H it has aiwady bean risW. For rumple, it you . d , pwW them a mancha no and we 2s Sys vddnora arrrrm rlrrpa m rover prclrses, rrw balarr. trarakaa raw adai sdrsp a d r ae t tua WprrJ bsl,nce of ea dr a0?'w wrh day, add e ry new arrive err ushwction tranit the merchant d ac mica yes l d p n r w rr R charges it am 'Nm Raknce', in ra w sgprw. eul mabrap any Pay- a credits. (If t m he s, 1 cods N appears m the from of this accota s has been clo..d, your accasn oval be mepumd, de, amass of de, Uahqe ova be a~ to your access m s flas Yhrpohtrer Nosice for tx. below. and n Th- for a In be cre6led by your rain re,saasr , nnsae ran to 'galaxies Rare Applied To: rte be adyou aW ba aas parNk for a vltiman any Wpaid I-- dupe indraled in the balance nemberallp be for Ynaor paynrare. H shoe s th, ? ? r?? doairp dns. Thee I. So pas period on main asrrees of each aMleve t1 This gives w line dolly balance of each w be charged, o it. sites. mae ed law, raa the and apaciai 7mrafarL In addUon, dealt is So ga s OarioO sactiun if M any Ite ou do rot a she local -New saVnrlt. I non. ?w add as the dutyy balances for each ss m m b d1W d al' * ri d d b b accwH balance has beer e; paid in 1W as o above. . y p y balaere.' b. Aesuinp Earner Tm sd wdn eras rs charge. p e, s p pe 4 o e w a y the Total averag at days in the Of each afoa. This puts w the balance of esdn selpsant. average dally, c ne 7. used d Year A vyar cartl or attat be used in connection rsion with any Informal parnl carrorrialihp ira m-iu m. p eriod m m d m um)sp to a pas period am m it. d 7) - ma 3. Anneal Preegmage Rates IAf1R1. 6. Noise Above Ek g ..k Cheek Ce,sralan. Then yes ow es T 2) en . iron tlr time of the Itamoior, a 2) bon the dSee The a. The team 'Ann-1 Petamage Rste' say appear as ' provide a drek es psymem, you sgsledxe a either Is trarsaedon IT, processed an you Arsam or 3) 11- alb firs calendar day of the arrners bib patios. Adddenaty, ' APR on the from of thin srnrae,m. b. If the code P Finns), L (3- LIBOR), C (Csmficate of )nforrnnton Lora your rhea to make a err.time -11-1 c had Iterate, frsm yaa bank a- or w if you lad not pay V. New Balrre' pen the pwrkets Deposit), or S [Berms d Panne) appesm on the from of phases the paymrr p • drat ire,aapidn waiters we, btsip psdod In full, 11- dupes conchae as amts so INS mot ran ro use paled. mfew. the &ft check inbmnnion hem par m erke m deprave yaw capital balance Was She a PWd balancer is path In he. The means tMt ou ma cal erne Nnaanca clr N rates oral canespardrm ANNUAL PERCFMAG RATES d dd fad transfer, fads may be "xis ran from your bank y yy Pe. you Pay the ertirs Nsw ba4rns ndiulW m der bml of very wry twee y ann may incroese a declle s, bared on the stud iMaSS s bud in 71. We# Soave ,scant - soon es tha erne day - mcaiw your s d er your satariem by der aasm mmS-TS clomp does, but rid , doors-/, plus the wWrgM praNOrsly aleddssd to you paymr , an rot receive =v your firarr ad uian yO1s dark back tmn not do ao for [he preview month. Unpaid finance draw T. e drngae rN4 ba elhae•e do rie hmt Ny oe your am added is the applicable eeposnt of yeast Apses. c. M-- I'-- (Laps. A. each bier" pedal M baling period .owned by perm periods m- among in The mode January, Aptt, Jai end Opdbsr. BILLING RIGe(TS SUMMARY On Can Of Errors Or Gwsio s About you Bis) you arrant is slmiap w • fihrrce change, a hriirs c. If Ali ride D (Palm=, F (1+ne. 128081 or G (3-ram. It Yet tNnk you bill I. w m yes ken mere or toai FINANCE CNARGF N $0.50 rail be igrgPaaad ow* f LIBOR A, p isd Mond appears on the polo of c i . Sir bill, m • 0ds m w m a tuba isncs charge rswaitp fs a der apPicadm of Var periodic male) is Mere than $0 60 ova wit atones am staurnsm ran to rise pefotfe raWs1, the peioacmtes and srma r ANNUAL PERCENTAGE R TES -"p aMn as eda Poaai6b Su de, add- be, . , amours horn The $0.50 lail*b ed to rEHeamz vdl be biped fo the amdaae agwma of rsro accasm. p na A ve mantel pelaaae or decrease based on The =may ad ind?, as fol in Tae Waff SYiieef s m. W _ hoar tlad? you ? no on eta Isom 0 of This days s ohm wo raw We most the 7hrhn 410 ores we you the mat bill on which the error or goblsn appeared. Vou can td. Ta,hpe,ary Raduefiarn in F (barge. We rermw the !!!!Q? in not assss any o at S - how. hu any piwn oss9 ppssdud Th. mapin pmiaslY diadmed w a be effective on the art day d TMss dopes each nrah Who btalap as WW d our Coaramer R. In V neither, bW doing ao wiK nn m Mf u rp k 2. Avrape Desy 8aws Iknakaihp Mane Pirdme ej. a. Rnarca charge I. calpAtee by alapytrp This, dally, 4. Ass awmwd of Lra. Orrrgni sal Rrpmel Payers[ I_ y ost exaum WE be US*Md W mole dion two of are fees erm.tsy ra aLxs m mirrsr, tM dalk saahoum o1 the ragWer-rb all a description of tin error and an arms, etplarrtian, possible. of wlv). you btlkre fro is balance of each wimeent of VISIT a1.Lpm bag.. bar lifted hem that c ccw dum p airy al paned. Ihokr the as an error, i1 y ou rte erekdorraetrern. a e f of tlpurchase, Special tnrrfer, and Spedal ptadnr I by the cormSp r atalal that hi. bran - tams of ypm rename +graa a raw tea r nthe odo" sio lo to oll p wi wal rnol es lo Ta any dau poor 1 roe you a cne payer about. Y- do nee la- w to pay y my amrps[ iitemn yo a a ra it" You m e losed IS S you A At t Th. Th. pre riad adtsed y disclosed end dn day aal hq .1 iwV ou vh Viar Y es withers w afym lo assess same W a Similar lar the ad to am will ohfiea lIg t m gn ray sal a Wox err[ are n the bal ing pe aled, we apply go daily periodic am for mach sepeant of Yers account m de dally, balance of each lees at . (nar bane. 5.tRsmrrbg Yen Agaae,t. If , Tee rnamberstIp is n re gnleatrdrr Wink rte nvsstlgne Your gcrstion, we rear[ i or take any apbn w copra the P°rc Y- - seB sgrne,m. Than at the said of der balip paled, vast add lip PPoom on the from of this eeeawam, d W W ? = ? yes gwrion. tha realm of these daily relolasoa w arrive of ysr periodic Nuns cheap for sedr ae rail Ws etl t fhs sW from de, Me stets atS Nht"we nova a it fo TV' avid a ir IM t * h k p p results from Sam aaprrs to rdw at use I" paatoale p y p ee o w r w sr e ersrful - N you anneal yoW Sectors. DWip iris psatos, you may t,t Special Rft For Cmdn Cold PWduses Mace charget for you Scararl To Ost ale daily advice fa each segment of yes ra osters, rare cake gal aaVratlaq comirs e lo emr your armour wtrhm having m pay the enemberWp era. To cancel you anus Wu aciw[ If you taw a problem avidn the grarity of pw botanical, for each s botanical, pots and add wry new trer pecTs iculed ib f. a bravos y IS fi dope end m . and w by your 'N ow Craoran f Ralados am ing the Uns and pay perm tares B tell (e services dial[ Vora PWCf is wile a crodh sin and yes - I have treed In good fairs is csnp ram ft VA. it Ns bafarce waa be, that lWt aspSaam. Woe mate ems d e,ry aY' a y- mwnbaralip feel pale 1. to it. der e,d of The "I"Y4aY period na t to Pay You the ramainirp a due m thmay e Mw it. rlpM W how fliz PgtPertY Var in 1M or audits pasted s of shat day der m aaoremM aegarara. This gkSe w as npauoe chilly barns 1a rods ,a fd nrs of r N h 6. N Yea Close Yera Asa cut. You cart Sateen as dow pyerotme arram by asip our Gaoar Reloloaa met ce vvee mow than rotecdon only when the p #50.00 and tea prchas was made in your bases am or p you yeu ps t e New Baiahnce Yorrrn an ,:r.= eweas pt frA (or OeDSnrrnars. You era- destroy, Yam pact. ardW oral con al as assesses! - dicta al d d bgN wean 100 mWS a Vasor mull Will aafmm 111 it your Saw balance -a row or • canal[ aneen0, rover traawdtinorr rvltcin pmt lo you padres a Special . pmar y zel p, end oaae tsmq you accocsd H you do rest crcd paaufcdzad Nirp ahrahpaerrma wz rdl cpwidar opine Val meaium, or H we rruiled you The adwnisoram for sr PagrenY or servicaa, IS purdwses pinch- sapnams m roe atlded m the sty balrctnc We + D relafate the ,rea s dail balance b elrN s . recd a a p drpe your er an augers you A di i rc caread ragenAm of """' or location of pW.hoon.) Pkase hanwmbar w aiph ep rwneape,ale,ace. p y y p rs Y bolemae wpethar sand isidhhp the apes by sal number d the Nw in the aaorcm lapeng cycle. To calculate Vow soul r account -. d t onally, "Tor atxws well not be dosed -a Yea ray all erwogses you ones w hica ng, any uarwpios Yalu hew auhaixed, NnaraR e/arpss, pan ye a nor aPPrY in coiaweaarer Sou-pear card --ants cdurge, ammidyy Your average dWy balsa by sal Nay periodic ter and by tha suitor of Nye in k bib rue /ors. owrknft fees, monad WYarar hues, cash advancer fees and arty ales Isas aaaaaaaal to yam 2 loss rot apply to badness tsnasat card accogstrs Period. Due Td rounding on a daily basis, them may be a e>eum. Year am reapwWek for saes amaams wMher slight wdarCe betwasn Oris calculation ere the amass of they appear on yo us arrow in the rime you request an Caphai One s ppont information privacy paection: one our fines charge aCk.*y a,aessad, close ft wax" or They am Wasted s bse glaers to vvabohe at vn-r rephaiore.cdm. b. If The cos z a N appears an ass palm of *s atafemma ' your request to dose ere account. This may result in Capita One is a federally rogio Bred Service mark of Capital ran to Bw.- Rate Applied To: ws dWdply dun ch arges appearing - V- account She you Mw Capomfal. An OWNS reserved. o Ona 7? T registered The cwynt p, be closed Ca pitol OTL GLBAK 1e jm Ieprtae Nelioe: Your payment ova be c rind lo your access es of 00 data we recdve it. Provided you ,end err Donors portion of INS smaram and your check In The enclosed aaralnSnce arnalopr, and your WYggqe,m to racaivM in dun pocesgt oeme by 3 p.m. Paymerns addressed w oW NAruWa or Georgia processing come mwt be mcaewd on a budroSs day by 3:00 p.m. ET. Peynwms addressed war Wasliepar ===a be wd en s bgsirs day by 3:00 p.m. PT. Please allow n lean five (5) bsineas N for 1 de5wry. Pleymema received by w n try ester k don or rot be .Tom tha Shaw day we -.I than. OW b ninm days am Monday though Snuffy. a ming holid.W Please do not tea sol , paper or", Sec whan PraPam - Yom payment. CERTIFICATE OF SERVICE A true and correct copy of Plaintiff's First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the Z? day of 2007, upon the following: Louis U Rice Jr 306 S York St Mechanicsburg,Pa 17055 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, he is an attorney for the Plaintiff herein; makes this Verification based upon the facts as supplied to him by the Plaintiff and/or its agents and because the Plaintiff is outside the jurisdiction of the court and the Plaintiff's Verification cannot be obtained within the time allowed for filing of this Motion, and that the facts set forth in the foregoing Motion are true and correct to the best of his knowledge, information and belief. J?r.Ynob Attorney for Plaintiff W WR No. 05318154 CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Motion for Summary Judgment has been served by U.S. Mail, Postage Pre-Paid, on ?_ day of , 2007 upon the following: Louis U Rice Jr 306 S York St Mechanicsburg,Pa 17055 By: ?lr t/ y?, Patrick Thomas Woodman, Esquire Pa. I.D.# 34507 Weltman, Weinberg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 W WR No. 05318154 CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiffs Motion for Summary Judgment has been served by U. S. Mail, Postage Pre-Paid, on 2- day of JA 2007 upon the following: Louis U Rice Jr 306 S York St Mechanicsburg,Pa 17055 By:r' Patrick Thomas Woodman, Esquire Pa. I.D.# 34507 Weltman, Weinberg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 W WR No. 05318154 ? r} f ?„ 4.J "? E ? ' 'i ,.? ^' s ?,^ C -- '~ S C?? l' t ?` -nti3 __ _.lti ? ,L ? s „__, r .? ?:- .? -? ? ,:Y r ' 4? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CAPITAL ONE BANK, CASE NO. 06-5092 Plaintiff V. CIVIL LOUIS U. RICE, JR., Defendant ; DEFENDANT'S ANSWER TO PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT Defendant, by his attorneys, MidPenn Legal Services and Geoffrey M. Biringer, hereby answers Plaintiff's Motion as follows: 1. Admitted. 2. Admitted. 3. Admitted 4. Denied. Defendant responded, pro se, to the requests by letter dated May 18, 2007 (attached hereto as Defendant's Exhibit "A") and addressed to counsel for the Plaintiff. 5. Denied. The allegations are conclusions of law to which no responses are required. To the extent that a response is required, however, Defendant admits making no payments since October 10, 2003 and applying for a credit card, but denies that the Discovery Request correctly identifies the payments, charges and balances on the account or that he has not submitted any written disputes. On the contrary, Defendant's Exhibit "A" attacks the correctness of Plaintiff's records of payments, charges, and balances, and Defendant's letter to the Plaintiff dated April 18, 2002, attached hereto as Defendant's Exhibit "B", is a written dispute of a billing inaccuracy. 6. Denied. Allegation is a conclusion of law to which no response is required. 7. Denied. There are amounts billed to the Defendant throughout Plaintiff's Exhibit "C" which Defendant denies authorizing or, in the alternative, from receiving benefits from, (such as charges for "Payment Protection," "PlanPlus," and WQT*QXTELECOM) and which do not appear in any other authorizing documentation attached to the Exhibit. The assessing of these charges, in turn, caused the billing of "Overlimit Fees." These "charges" not only constitute a breach of contract by the Plaintiff, but may implicate violations of other statutes including, but not limited to Pennsylvania's Unfair Trade Practice and Consumer Protection Law, 73 P.S. Section 201-1 et. seq. WHEREFORE, Defendant respectfully requests that this Honorable Court deny summary judgment to the Plaintiff for the reasons set out above. Respectfully submitted: MIDPENN LEGAL SERVICES By: A , ` Geoffrey M. Biringer 401 E. Louther Street Carlisle, PA 17013 (717)243-9400 Supreme Court ID# 18040 Louis U Rice Jr 306 South York Street Mechanicsburg, Pa 17055 Artistx15 C yahoo.com 717 796-3669 May 18, 2007 Weltman Weinberg and Reis Co LPA Koppers Building 4367 1h Avenue Ste 2718 Pittsburgh, Pa 15219-9517 Re: 06-5092 Dear sirs, This is in answer to your correspondence on April 24, 2007. I believe the PAYMENT PROTECTION I was paying for should cover this because 1) I lost my job and 2) I was disabled till August of 2005. Bill Date Payee Amount Jan 2001 Emsom Alarm Clock $ 63.80 May 2001 JC Penny Ins 7.95 Aug 2001 Plan Plus 8.25 Sep 2001 8.25 Nov 2001 8.25 Dec 2001 8.25 Jan 2002 8.25 Nov 2001 WQT Telecomm 48.58 This I know I fought As you can see I have at least three insurance pallns here. I lost my job in April of 2002 through no fault of my own. Also I got injured in June 2002 because of a hernia operation and then slipped on the Ice at Sheetz in Feb 2003. By May of 2003 I was not able to work although I taught for a month a HACC in September and tried to do Telemarketing work in October. After that I had to go on public assistance from Feb 2004 to September 2005. Before then I couldn']t walk let alone work and I have have the documentation available to me. I tried to use the Payment Protection Plan that I was paying for and left messages and no body ever called me back. In May 2003 I noticed that the insurance was taken off. I don't know why. Exhibit "A" This is basically why I am disputing this bill. I n May of 2004 I applied for a hardship membership from the YMCA so I could use their steam room and pool. By May 2005 I felt well enough to pay for the membership by volunteering as a monitor and by August 2005 I felt well enough to start working. All through this time up until late 2004 I was talking to someone from Cap One and explaining my physical situation but all I got was an argument. I don't believe this is fair treatment plus it appears I belong to other insurance plans I don't remember signing up for. I'll pay what is a fair amount but I paid for this insurance and should be covered. Respectfully, Louis U Rice Jr Louis U Rice Jr 306 South York Street Mechanicsburg, Pa 17055 717 766-7328 April 18, 2002 P Bishop Capital One PO Box 85520 Richmond, Va 23286-9175 Re: 5291151856361793 Dear Ms Bishop, I hereby disagree with your decision regarding WQT*Qxelecom. I have never subscribed to this service and I have no need for it. I only found out about it after you charged my account. I called them at the time and they couldn't even tell me when this happened. I don' [t believe the burden of proof to show I didn't do something is on me. You haven't provided me with any either. Also, I never received a card from them or5 any other correspondance. Please reverse this charge, along with the $29.00 overlimit fee. Louis Upton Rice Jr Exhibit "B" VERIFICATION The above-named Defendant, Louis U. Rice, verifies that the statements made in the above Answer are true and correct. Defendant understands that false statements herein are made subject to the penalties of 18 Pa.C.S 4904 relating to unsworn falsification to authorities. 1 Date: 7 Louis U. Rice CERTIFICATE OF SERVICE I, Geoffrey M. Biringer, being a member in good standing of the Bar of Pennsylvania, here,byy certify that I served a true and correct copy of the foregoing Answer on this if d y of July, by placing same in the United States mail, first class, postage prepaid, addressed as follows: Patrick Thomas Woodman, Esquire Weltman, Weinberg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 , aAr By: Geoffrey M. Biringer Attorney for the Plaintiff MidPenn Legal Services 401 E. Louther Carlisle, PA 17013 Supreme Court ID#18040 os"3i ?ls'? PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument court. --------------------------------------------------------------------------------------- CAPTION OF CASE (entire caption must be stated in full) CY j i' l 6ne (Plaintiff) VS. (Defendant) No. Do Civil _?rVq( 2 1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demu=rer to /1 complaint, etc.): ?/l r . /` A f ?y] J-?f ?- 6AJ ?•n t? /,(? Z , w•,a,tr /'tip, Wellman, Weinberg ? feels 2. Identify counsel who will argue case: / 2118 Koppers Bldg, (a) for plaintiff : 1-6 rr , 4 / n +Al (.?ooc?Md.?, tf? . 436 7th Ave Address: Pittsburgh, PA 15219 (b) for defendant:(P., -se-) ?oli rs u Rai e ?R. (412) 434.7955 Address: 306 S, `(or .Strc'-J7ecAknicfA. l7aS-S 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: I ?G?n.h? UT, 2 0 ? 7 y? Attorney for,, d :r =-... 77 23 em u.. C: N J ? 41, o.ss3I svs_y PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument court. CAPTION OF CASE (entire caption must be stated in full) VS. LA ;S .ix . (Plaintiff) (Defendant) No. UO Civil , j O q;2 a 1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to complaint etc.) : / ? . q 1 MIA Drl'e ? t'e% -?,10/0014. 2. Identify counsel who will /argue case: / f (a) for plaintiff: ?Z"r9 ? K ?Z'ar Aj Address: Wellman, Weinberg & leis 2718 Koppers Bldg, 436 7#h Ave, Pittsburgh, PA 15219 (b) for defendant:(A- -Se) (412) 434-7955 Address: ,3v6 s, ?- k st•?,? ?; MeJ 4, 3- I will notify all parties in writing within two days that this case has been listed for argument. 4- Argument Court Date: J DL?v,fj.Er 07? 2aa 7 -' Attorney for i`T i _ ITI 6 Capitol One Bank V. Louis U. Rice, Jr. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 2006-5092 CIVIL TERM ORDER OF COURT AND NOW, October 4, 2007, by agreement of counsel, the above-captioned matter is continued from the October 3, 2007 Argument Court list. Counsel is directed to relist the case when ready. By the Court, Edgar B. Bayley, J. Patrick Thomas Woodman, Esquire For the Plaintiff Pro Se , For the Defendant Court Administrator -?2 kam ...- ?z"`i _ - _- ,._?'_ _ c :E .. ?=:.? ?? _ i.y t.l..? -.._ _ -- .._- ?, I?? L7_ r• (1' vs. ?EFE.Ni»N"j" IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. Soq;? 20 0 tom, RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially in the Following form: . PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: ACf1T? f?mbap Q , counsel for the plaintiff/defendant in the above action (or actions), respectfully represents that: 1. The above-captioned action (or actions) is (are) at issue. 2. The claim of plaintiff in the action is $ 918(11.5(a The counterclaim of the defendant in the action is The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully submitted, Co ? wSEL ? ???p?-F? ORDER OF COURT AND NOW, petition, Esq., and captioned action (or actions) as prayed for. 200 , in consideration of the foregoing Esq., and Esq., are appointed arbitrators in the above By the Court, EDGAR B. BAYLEY 0 11 CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of PFTiTION FOR APPOINTMENT OF ARBITRATORS was served on the following on this day of -09--by first class, U.S Mail, postage pre paid: Geoffrey Biringer, Esquire Midpenn Legal Services 401. E Louther Street Carlisle P.A. 17013 WELTMAN, WEINGBERG & REIS CO., L.P.A By: Benja Nn. Bibler,Esquire PAID98 Weltman, Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR No 5318154 2009 JUL - 6 Plil 12: ;J CUB *aq.oo Po AT" C vl* 8873toa(o NTH F R p, v5. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 5c?? 20 O o E F E nN !? 1Fa r rT RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially in the Following form:. PETITION FOR APPOINTMENT OF ARBITRAI ORS TO THE HONORABLE, THE JUDGES OF SAID COURT: CO AMDD R. Fup-g-t p- , counsel for the plaintiff/defendant in the above action (or actions), respectfully represents that: 1. The above-captioned action (or actions) is (are) at issue. 2. The claim of plaintiff in the action is $ 1'9&.5k The counterclaim of the defendant in the action is The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully submitted, CO 0 W SE:L QF _P-Ar -[jf?F ORDER OF COURT AND NOW, , 200, in consideration of the oregoing _ " S petition, Esq., and Esq., and Esq., are appointed arbitrtors in the above captioned action (or actions) as prayed for. By Court, ?? G? B. AY U?? ZU9 S ?Ji4 46 I au-? 3. B,Usz- A4y s. a;,2j;LyeR, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, vs. LOUIS U RICE JR., Defendants, Case No. 06-5092 PLAINTIFF'S NOTICE PURSUANT TO PA.R.C.P. 1305(b) AND NOW, comes the Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby gives notice pursuant to Pa.R.C.P. 1305(b) of its intention to offer into evidence at the arbitration hearing the following documents, the copies of which are attached hereto: l.) Monthly Statements; 2.) Cardmember Agreement. Respectfully Su Befia&?h' R. Bibler, Esquire PA I.D. # 93598 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 05318154 WWR No. 05318154 CERTIFICATE OF SERVICE The undersigned certifies that a true and correct copy of the within Plaintiff's Notice Pursuant to Pa.R.C.P. 1305(b) was served on the day of J L'U't 2009 by Facsimile and first class, U.S. Mail, postage-prepaid, addressed as follow Geoffrey Biringer, Esquire Midpenn Legal Services 401. E Louther Street Carlisle P.A 17013 roe By: . Be R. ible , ire' ,t[5# 93598 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 W WR No. 05318154 D45 CapitalQi'te' vvhaPs ka y0W walkrt7- Your account is about to receive the worst credit rating - an R9. Your account is close to being charged off. • The result is an R9 rating - the worst credit rating of all on your credit bureau report • It may prevent you from getting credit cards, an apartment, a cell phone, a car loan - or even a job - for as long as w years! • An R9 will limit our ability to offer you financial solutions. • You will still be responsible for repaying the debt. 0 2003 Caput Ow Smvk=6 kin. Captal One is a Leda Good news - it's not too late. • Call 2-goo-955-66oo for payment options. • Pay with our free Check by Phone service. • If you have online acre log on to your account and pay now at www.capitalone.com. • If you prefer, simply use the remittance coupon below. Service mark AO rights reserved. 045. x! "aaapiftlo e• Account Summary Previsms Balance S1,7DIM Payments, Credits and Adjustmam S2S.DD Transactions 570.00 Finance Charges M94 GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 SEP 12 - OCT 11, 2003 Page 1 of 1 Payments, Cre fits and Adjustments 1 15 SEP ELECTRONIC PAYMENT 512 50 2 1o OCT ELECTRONIC PAYMENT 12.50- TrAnsactions New Bal- $1,78230 3 12 SEP OVERLIMIT FEE Minimum Amount Due $1,78230 4 li OCT CAPITAL ONE MONTHLY MEMBER FEE Payment Due Dane November 11, 2003 S 11 OCT PAST DUE FEE Total Credit Line $500 Families in PA EARNING INCOMES UP TO 543,240 pc year may be eligible far low-coat or free Total Available Credit $.00 health care coverage FOR THEIR UNINSURED CHILDREN. If yon or someone you know has a Credit Line for Crib ODD child without be" i•a*avK, call tall free 1-877-KIDS-NOW for information about the low-cost Available Credit for Cash S.00 or free health care coverage programs in PA. At yotlr smvioe Yon were asamed a past due fee of S35.0D on 1011112003 benose your minimum paymem was not received by the due date of 10111/2003. To avoid this fee in the finmr, we recommend that you T. e.R Cast- Rdsfiuv ar to r p n a lot a stdm card allow at least 7 business days far your payment to real Capital Ono 1-SM-903-3637 Fur 5a onTme aemrmt -im ma sprits! avt- off-, log m ut Sevd pa7awty to: Smd i quuia to: Anti. Rmirunm Pm-sing Capital Due Seri- Capid 0. S-i- P.O. B. 85147 P.O. Bin 85015 Richmond, VA 73276 Rid--d, VA 23285-5015 lmnortant Account Information Cast your vote on cipaalonebowLcom to help select the National Mascot of the Year from the 12 finalists, and be sine to tune in to ABC college football, ESPN, and ESPN2 to see this year's mascot commercials This year's winner will be announced dining the Capital One Bowl, which airs on ABC at 1:OOP.m. ET on Jamrary 1st EXHIBIT 1 $29.00 6.00 35.00 Finance Chargn Pkmera revc in formaim sink ftrr im#rtaat ? l C ? t ti n ?? e - ie m APR l:t1A t PURC}IASES 81,735.28 _07096% 25.90% 136.94 CASH 8.00 .07096% 25.90% S.00 ANNUAL PERCENTAGE RATE applied this period 25.90% V PLEASE RETURN PORTION BELOW NN71TH PAYMENT. Capita1ow, 0000000 0 5291151856361793 11 1782300012501782307 Plrerprvaneif r.diamanti r-n.drlrntak16w W R.-AmFu,a New Balance $1,7823D Minimum Amount Due $1,78230 aueer Apr e Payment Doe Date November 11, 2003 Gp 5vv ZIP Total enclosed $ Home Ph- Alv vav Phu.. AccountNumber: 5291-1519-5636-1793 0 #9D28537497863050# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 306 S YORK ST F as ra aura s a s a, MECHANICSBURG PA 17055-6302 Richmond, VA 23276 ,o IaaLLrtLadJLrria?laallaaoil1aalLaJLrr16u16nj6uj -1 =1111111 laariilaarjIj.car66r66ajinr.j616au111111nu16u661 Pk- write yore sew w nrvaber -yarn ,bah aI, --y wAd made payabk to Capital Out B..i and mail in the endw dennvd b, , b9??o D "Hey! What's my credit line?" To use your Capital One• card and find out what your credit line is, you must first activate it by calling our toll-free customer service line. In case you haven't already done so, be sure to call the 800 number printed on the activation sticker on the front of your card: 1-800-475-4008 We are happy to have you as a customer. We want to make sure you receive the full benefit of your credit line. Call the activation number today! CapUl One is a fedwaly registered serAw mark of CapW One Rrw=W Cotpombon. AN dd,s,e8mved 02000 Capital One capital DYI.2e GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 JAN 12 - FEB 11, 2001 Page 1 of 1 Account Summary Payments, Credits and Adjw menu Previous Balance 8.00 Payments, Credits and Adjustments S.DO Transactions Transactions $70.42 Finance Charges S.00 DATE 1 of FEB EMSON ALARM CLACK 615-449-8877 TN 563.80 New Balance $70.42 2 11 FEB MONTHLY MEMBERSHIP FEE 6.00 Minimum Amount Due 515.00 3 11 FEB PAYMENT PROTECTION 1-888-S27-6904 .62 Payment Due Date March 10, 2001 Total Credit Lane 5500 Total A,-AaWe Credit $429.58 Credit Line for Cash 5500 Available Credit for Cash $42958 Atya' iem,ir< To dl Caatomer Rdatiom or to repaa • lost 0-r ctdm erd 1-SOD-903-3637 Send inquirie to. Attn: Remift-Proresir,g Capital One S-k- Capitd One Seim P.D. B. 55147 P.O. B- 55015 Richmond VA 23276 Rid,mana, VA 23AS-5015 Finance Charges Pla is rrnaetidrjor i,,gwue infmsnation a.1--* P -6d. ` W g ,?.WA rI* i PURCHASES S-00 MOM .00% a.DD CASH No .05425% 19.50% S.00 ANNUAL PERCENTAGE RATE appl"aed this period 0.00% 26820M PLEASE RETURN PORTION BELOW WITH PAYMENT. V Capftal0w, 0000000 0 5291151856361793 00 0070420000000015008 ?? k??,jb5a bLoE New Balance $70.42 Minimum Amount Due 515.00 S- Apl e Payment Due Date Mach 10, 2001 cir Sbb 21P Total endosed E Home Plaa,e Akcaab Pbwc Capital One Bank -1 aaas>.? LOU S U RICE JR F P Box 65147 O 0 306 S YORK ST . . Richmond, VA 23 276 m MECHANSCSM3RC PA 17055-6302 lnl,lrIlift.lrllrrtl,IL,I lrtrll,,.IL„IL,dl.,.ll„JI„rl ° L,,IIl,.dll,a.I,L,I,I,ill„r.ILIl,rrtrLlll„r,tl„J,l.l i.:? Plane cmitey-aarmmt rrw.Ar-p-diet m--y mdo-adepajabk is G ird One Banc andmdlin for cn 1wd-h pe. 1. How To Avo! A Eimer O.M. pedodre ram To retain the average dally balance for the your a=vert N has alridy, been rload For esarrple, t a. grace Prat. You will babe a mkir.a gem period of b4brip period care." by 11is sstasem, its take Vs a you audwkad a pzadas from a awerdurt and we 26 it.ys W%hozd furs dsrpe on row p«dsaea. new' begisniny balarnm .f each aypros each day, add any new recdve the transaction isre The mercfrs alts your balanos lrrsks, thew spacial ptadssu and rsw other trarsacTOS w are. asgsea, and sal mar any rwymema ursoun has been doaaq yar .=rare wgl be raWarod, trims. N you pry yore utal 'Nm Balance', to or ira6te {! On Cote 0 appears m to front of that tat .mare of V. ch.W WN It. ."dad w you ..cwrt, xatlrm wbh the Ineomre Nd- for pay- belo.v, aa.rrw nere ea'Ba.aa fl- AWSW To. w rho ntl Yw uM G aesparsihle for paynwit. R V- Is a arc n rime Ir It w be oaared by you rata st tarniara sWasct arr vagaid tsars dwpe kekded in it. bNsce menhb« fair for your -.M the fee hit w mrubue rip date rip d asdr bal- of -.h ai it. m _ to be the ??ed by hw, Ytl and traafl: n iedcktan, ten 1. ro rgedal 9se Pend h ai 'N i N d Tkst, adld nces for a.:h la 4 ig the droll eePrrere. y N J f bi id b h l f d f s uroua ance Ins bash b P? as def?rree bore 7 U i Y Y A e.v m arty vanso .n o rot pay t e ta you Glance." aeQaaara ar ro pa aa I . y t e tota r niter a drys b>4 lire yedod. That gives zs V. . s y rr .eauf. - cad or .carat onrn b. u.. it n rrrrmcdaro aah any imamet gamblky b. Amukq F Cciaa. Tiamacdtes which .air aresge day balsas of earn aepaan. trarreacirk- . ed brav=e carpe 1) t w !pram peat" . a.. 3. Mad Paarbge Pats UUML 6. Not- Abed 0aot- Ch.* Caw - WI_ you from the dne m ds iraniacien 2low tle date ft : a. The I- -Atsal Pkamrtage Rate, -Y appear, a provide a dir=t a P.Varra, you Lah t- b -Mar to trrsaraisr 1. paomaaad to Vac Amour or 31 than rh. 'APR' on she bsa d die aaarom. iMOrnrtartm boar your dhsck to make a as-tiox ion r ilydar dry d tar .ream bikq priori Atldtiaufy, b. If tiro code P 1Pid. L pin LIBOR). C ICsdiote of ever- fund traiater bran you bank at-xt or re h you dd air pay ti 'New aaiaarrs" ftonnr a pazaas Dop..W, or S msiuad Niar) rippers on tiY twit of Proms tM P-V- a a dads trrsani.n VA_ ter baktp pere0 n kli. T+rzm drargo.trnkae to ace rie to tars anamat aefe ea TIa Priori= uulal. 11he peripole we nwpnason frera ygri calla w rNke an electronic yyaaxN trpaid baiantm shad the tnpad Marnoe I. paid in kA. rates ad raoewdao AaMJAL Pl31CENfA<i? RATES fund Uanalw leads airy be tradgk n Ism ype Gnk N. rarrJnd that you wu=Z- firma cnrpea, awn If may wry grMr reeY iroaa or exxss based arram at soon i the saws day we roceive your You pay Ilre rare New it,6ratW to t. bare of m The atwrid bail.M i 0ad in Tits WWSerr paymera, and you wi abet wmive your deck Gck 1mn yaw sus inew by the riere stataraena d..ng dace, att lid .loran( kits it. aaai?r parnzdy Qzadoi0 to you your fnarclai instiraton rte do s for fre pwnios neml= MVWd inane drarpes Thai at crtgea wi be elrarb-e on the Am day of you as added to the appica4 aeons of your Aecsae. bleep period chest/ M Vac Oeradc materwat er dnp BILUNG RIDNrS SUMMARY t c. kfih'arar Farrar. Orpa. I- rich bigtp period char in the arcs nrorr, APdL Jdr ad 0C bet. fn Qs Of Ems Cr, Or-6- Abaa You Bra) Vozw arrant h aibj.e to • faaah=e [drpe • mnkmrm c. If the area D V*.. L F lain LIWRI or G (3so. d you think your kit - or R you nee more Twmi RNANCE OW16E of 10.50 1M b< iezpoaed. If the LIBOR ftYgrlod $$adirl .I.Peas -d. brim or you = mfommion m a trmonbill, -rite to rs m s Taal irrrc. tlhags mrlinp it- tls apol."t r of your m«arwn rsn to tls pmiodc stale. tM omiodc mss aep.me drm as m«r a poaiia at tM add- for period= macl a Ms dwr EO.60, we wiK attlran rM WThATES my : d spices st+own an erne ass it this mnsnent. We onus a- from the $0.50 tent- and ft dNenesa we be ;r y wry «dxsrae blued on the hear Iron you rs Iner M 60 says after we sere you Wad to U. p edsse s.gmara of you W"txr. stirred ba=ts, as FaM in lie WM sorter J-1.4 plus 6m bat m w"i:h be soon er pobiarn M-.& You un t d. T.nparary Rdudisr n F Charge. We r6eawe the the rwrdn psriady dechaaad w you. Thy d atheas .11 Cow Cesa.msr Ad.*- aaanber, bu doiry b wp rte dgM w nn anew try or ail fins- "ergs Ion arty given W be eK-*- m the Sm dry d your bialy P-W paerve Veer Float. In yww finer. giw u t= q b6rnp perod each moth inf-%tore your rwne and aeoua number. ; 2. Average Deey Bab- Ii rahp New Prsdrasasl. a. Ass.mwd of Law. Owimi ad Related Paym.s Fee: amass of alt agsetad amr. a ducdpim of the an« a. Rrwtce days is caledned by raaddplyinp The telly you armaa di be an®e Coo mos TAm Tws of it. fees s W an etVL-ni L It prattle, M Mp You ba6eve there is balance a arcs sapwera a yet. acialra le.g., rah hi tad Isar slat otilw daiarg not, being period Under the ,, a If you reed rare I iowa.oon, a description of adwnce. pudase, yedsl trafer, and puadwri terms of you aratarear apaeraara, we reaerwe the rich w the hen you .r. urge abort year do rte Irw to pay arty that by " mrrasit r6y daily, period= itmW that has bit meiw or rte w .roar riwr ft as -incur pier trial fcatim to aomotaa in Question viie tea as nwuigadry h, bu you pevioWy ditchm" to Vs At live ad of each day duirtp You -.hash[ weidny ter dB% a suss Cher sure or aimilsr as as bliipssW at par des pons of you bill that as aim the bgap Fariod, tea: MWIV" drily pododt: me for each a • our tone. n queadoA VAIRe we i aroope you q-Mt. war carrrot s.pners o y?a .morn to tite rlsgr Wlarrce a each 5. Ranawky You wer.a_ e a atewbwlip f- re{wt Von as dainprere or take wry action to tries ate sepnnem. Then a the a w of is bNkry period, we add ty appws m the bare of tlis sommort, yr verve 30 lraoua you psadarh. th. newts of bore daily takaiadaw to ..1-e a your d f f h l d d W dd days atom the doe this nmaaard tea anew w you to id i T b f c d 6 d p. rap ar tec saynara. up t o c all! . a s ..ft ft. each aaprra w sew at the mcai p.rbdc vo wy y is rive au ts w you s .. r n r oa 11 you mai yea .=rare Duly Ttia perioe, you eW' t.t Spedal R.A. F., Csdt [ad Pradnases lkmrrm ch.W $or yaw .hart. To pu the they balace trndmre to nits rarr sttmaa wind Isalno s Pry cre If you how a Problem with the gsay of property or for each rspoara or you aee.ua, wit take the frapkaary mmOerew fee To von Para atxourt. you east stag=es flat you wi'ft • -. pactratted end Voce Marc* err raft seVaera and .rite aahryY rze-r Traaaggd r s.erer Relnlas Oepararsril motley is by rag¦ a Its ' Later M problem In pond aNh to ruse the problem with The h and try pedudc arum charge mlwlab0 i fa Prouas ' n tf 1O.itrday tin. and prix y?u New Bakaria d eCll nr you may Isv. S. dot rot to pay the wnakinp day s balssa tar dart sig attn. We Oren mbract arty memb. * red pdoir a. Us rived of tls Wnyby paged. . mart due on mp or are r ear This Yar he ;x a es proud a er tai day Tam air aaeratd pa= 6. N You cbe your AowmL Yi tan mgem w does p ice V Ta or laze p ud rr p n ° ten mite TNn $5 to Ttls ya r The .pass dray brim. _ for ids aeons. a Varr aosatera. ab-.ever, N yon paid V. Yyaarr accost by cagy ar Ctaiser Wlawoas Deparuriat.Yar n ti daisy Vac ra.dt cede rid $50.OOD d pure• tat s wad e in a thin 100 rages of Pzad your Awns stator o or your wwr Teyaddiesi gfwarown« New Baiaro diovrn i Van Pwrias arias n fug W .pert eras dsPls. s omm a• pasrawaed binge tra n -Mann, or N war maid you Me oparar If Yar r-i balance was taro a a seer .mould, new and txas h?q Y«r tas a Vw do air zmresl a dw far the patV w seniors. all pudsur: trieacion wlnidt poor a === ter arrider : re -ad lostirfear, .1 of pudus.) .t or I.- purriss s.pnzams as rot rss. We u1Mne toe average M bsl M o eV > reetipt d • drfR Voce aAWraton w ro.pen you m eas.. fy, Vac.earn tai ck, he raced Faeroe -b. to .19.oanegw dennm the f by by if era Wdc start bfaroes wpahsr arc dniy the Maribor of days n The r.rnem 6i y eyrie. . T To rJlasare you Taal the rte Pay Yr o as sarti Yea rime i izdz aM da I tran.cTtors you rave atanitd. Skaters du cherg pes. pea t D- nor apply b raasinp a.-.R -d ar:msrrs irrce W CM radtiPlyy Pau arepe daily bdace war G)ly peebd eau and by tls canb.r of day. I. the de lees. o-.aidr faea, awardp.ynem fors, odt dvama fees ,it aqr a&- fa ro arad to You I Does nor ripply b bnu rase ao-cradX caad s==tems period. Out t. -11rig on a daily t aai., Vero may G • WW* v dance berta.n TNS rakvlalbn and are arwrs of nu:corrr. You are aaspit- air far Year atnozaas wheder trey appear m Vac saaaa a the rate you seem to CWW One rappms nfa"t-e- pd-.y potashes. see ou frarce drrirpt act-ft asead. dose the aaazat s they tea noted a6eagires to rearm. a www. Vitalaa.rrs. b. If the rate Z ar N appears m the horn of tats ammws y- rquam to close to arwrat. Th. may reads I. Capld One 1. a f.dsafy ..overate serum mark of Capital rhea to "Brea. Rae Applied To: w. artily tie rlurgi app.adry are year am.zad sirs you Mw One 1-- Caporritiar= N rya Saar-.d. 0 2D03 awrane daily bettarce of each searnora by your uwMv roasted fro aLLOraa s M done «Tlrt r.meris of Caph.f One Ol LGLBAK 26R20M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the encased remittance envelope, and your payrnefrt is received in our processing center by 3 p_m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five 15) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc_ when preparing your payment. CaP"CW Cardholder, A Premium wi5c tamp Has Been Reserved For You! • Refillable ink cartridge • Self-inking-No more • Use anytime, anywhere messy ink pads! • Limited lifetime warranty • Thousands of clear impressions without re-inking 0 Please send me a KwikStamp using my name and address as it appears on my statement and ship to that address. Please charge rry Capital One accourrt. Account number. 5291-1518-56361793 Customer's Signature toad m+r re 1u.to.rr..t 29asz9 Compile bsek b rsdm addimW KwiGhmpc - Dehrh al ps¦forsf-and taym et yov rerrdhat=t anwllope. COLD MASTERCARD ACCOUNT 5291-1518-5636-1793 $ 99r , LOUIS U RICE JR 306 S YORK ST MECHANICSBURG PA 1705546302 CapBta- 10 je• Account S Previous Balaors !70.42 Payments, Credits and Adjustment; $25.00 Transactions $309.63 Fsnana Charges S.00 New Balance $355.05 Minimum Amount Due $15.00 Payment Due Date AP29 11, 2001 Total Credit Line $500 Total Available Credit $144.95 Credit Line for Cash $500 Available Credit for Cash $144-95 At yorcrservia To oB Customer Relation. or to reran a lou or stolen cud: 1-800.903.3637 Sad Peynwrm to: Sad inquiua to. Attre Rmtiu-. Protasing C.Fiu1 OM Savior CgiW Oae swim P.O. B- 85147 P.O. B. =is Rieb-d, VA 23276 Rd--d, VA 23265-5035 Imoorrant Amount Information "Important Information"Plew see the Paragraphs entitled 'Closing Your Account' and 'Using Your Account' on the back of this statement for important infbrmafwn regarding your account. FEB 12 - MAR 11, 2001 Page 1 of 1 Payments, Credits and Adjustments 1 o8 MAR PAYMENT RECEIVED - THANK YOU $25.00- Transactions DATE 2 2$ FEB EMPIRE VISION #078 CAMPH LL PA $300.50 3 11 MAR MONTHLYMEMBERSHIPFEE 6.00 4 11 MAR PAYMENT PROTECTION 1-M-527-6904 3.13 FinanceChargw Pka rcre5mcrsiad?rjwinsporterrdi.jeAraN¦otc" ?¦ ? -el APtt r CHARGE PURCHASES 8395.84 ODDDO% .00% $.Do CASH S.00 .05425% 19.00% COD ANNUAL PERCENTAGE RATE applied this pcriod 2559DM 1 V PLEASE RETURN PORTION BELOW WITH PAYMENT_ T Capftalo * 0000000 0 5291151856361793 00 0355050025000015000 New Balance $355.05 Minimum Amount Due $15.00 Payment Due Date April 11, 2001 Total enclosed i Capital One Bank P.O. Box 85147 Richmond, VA 23276 1011 it 111n11111n 111111. 111, ?u1??u¦??n¦??n1??ul??nt? P??r,.?¦.??m,,,km-aracr?wa D 0.00% Sara Apt r Gty suit ZIP Home Pb- Alcamo Pone LOUIS U RICE JR 0 306 S YORK ST RECHANICSBURG PA 17055-6302 m ° ?ts¦?'?nt???uu?t?al.?¦¦??nu??¦??n nlltl'?ut1l'¦uIn'tI Platte [ante yore-nt rrrorrberan y9w rbak or money ardc modepal Fk to Capdal One Bank send mail in the a Iwed emuclofie. To ordr adlQHonal Pram uot, xw&dMwmpfsiL Wears complete Mae 001 In below. Please write ctaartn 6lepBde enter farms ever stow tae prooessity. une t Lira 2 Line 3 U- 4 Line 5 Maximum of 32 Letters and Spaces Per Late Line t Unit 2 Line 3 Linea UM 5 Maximum of 32 Letters and Spaces Pr Lira ff your sh4**W address is different from address on your statfsr met please complete Me form be/out AN orders wiN be shipped fo"foliose address. City Da$diDa Pb- ( ) Shaba 2]P Subject to ood• >eI I M rsaNaMs add ds to Plate doe 15 vlooW for deisey. The merrlardr le wf bl d se per here nprea. by Jqa-obm Co. 75M Faoswor Slit al Loss Pak, M5ea&-4ls.taps-pmr Go, ere iua PrdW mmprryapadrarp it naFomrsatw. b ooltly o parer tap it peaduru Decd led k rata .Ifar.d w1lb caper tea tih"rrld carp. One rr0ira iOyil,Sge1. LyPer lke's • fadeay •tY•Wed sorvis oeA et C+Piid O,e Facfr rrpsdoe Aerlgiaveaeead a zaps Crplal 1)rR t a. tree Pried. You stM Nis a uki.aas gait period of 25 bye withna ir-ca de ve rRV V p-hems, pew beams irantua, new opaor -haves and roust odw cwpe If yeh Pay your feat 'No- B.Ieaa', I. arradorce 1 dh nit r:pre.a Notes for imtema brow, rd I. nines Is it to be periled by Yea neat aareat ed cleiq time. Thee i. no acre patios ve ma advrrms and apace t-.d-. I. ad"-, der I. no pmts period tae 'Nary ve cry trtrsaoion H You do me pay the bwwce' 6. Aa.uiq Fitanea Cwrpe Trrroomed vhadt r nap t 11 tine 'otdu?Mtreu.ction?hare NR d. riot l ram .don is paoeased to yew Ac aaad or 91 lame dw Am colardar dry of eta oared big period AddliamAy. II yam did aw pay de 'Nee Sao-- pro de pares blakq period N M, finance charge cor.kes to arms to yyoouurr .Veld b ele ce Lid the t.p.id beams I. paid I. kdl. This .Rana that you may an owe ia6 derapr, even It tom pay the sale New Balance irAosad m A. iron of bV y- statement M der to far dopRNe6 meal. {abed iheML deep.. am added to the applicable o r9m-1 of Vow Ace... t,. Mkir.n F Owpe. Fir each 6iq peeled that your a I. a6jw to a ions dregs...6inem toe FINANCE CHARGE of $0.50 vat be opoaed. It dR _I krwp drape metitfnp tai the mpiardmn of your pedodc metal is tear that $0.50, cow M etlwa dm ammo from the $0.50 ndnk. w and ae 11111 - M be you a®a.r. baled t. d. purchase .1 td. Telprry Rod-ti- it pa CJtrpa tee resorve Ube npM w ns era any or d r- dsrpo A. sW pvvt 2. A-*" e Saba- liairaq Mo. F-dtaal. a. RnarLT charge is ca6mreed by tratt4' 1 a the chat Warce of each sooners .1 Vow accanoor 6-4p.. cosh aarae, Purchase, space riaeter, and reactor pumhere) by dr. ce-sponaq day pahfodc nra4$ de. h- b-dieclosed VaL As the was at soch If m blip dead, wet M* de ley pedode o.e bap e=lm aepmam of Your nawd re ds b.l.peaa a rert .egrrd. Than a tha o d .1 tha a.d..ae add a p the rands of chef erer alnl.dse to ardee a Y.tr pedoat iwrta ch.,. IOf vide aalp..rr- =:p.= oche hma etch meprM. cam endue a dR fi ace charge for your accoure. To goo We dally belams for each saWr em of your aeeoar, we sea In boo &.0 bens for sash taproom and add cry der. varraaior and arty periodic I eo drape c k dead m dR prevites days Watts le cwt sagmam. Wa eta retaraa wed psymrms or cart pawed a .1 toes day dap .e allocated to cat a(pae[. This qk- a h alparat day balance Ica each segment of Voter aCe.a. ifeewva. R yea paid tha New Breese .frown m y.w patina ¦rfsas :r 1,41 Ica it yew new b - wag zam or • set asarn0, now trasacras hdidh pow to Your r-da a K .peel purdeso aeroMS aR Chi added 1m de dairy beech. We caul" de avatape day beanie by ad6q as dw aft be..- logerher and dvidap de eras M tha aaahhar of the ay. In dR wa mi Mang cycle. To oksYe your We 111 choNa, aaan'Wy tart trrege diy belrse by the ley c me d ry du mamb.r d do, I. de beirq Parted. muraq apt a day bail., derv cry be a algis vadree bnweeh rids ohodadm eel the seam of snorer chl?e aearay atoorm d. b. If thaode s N "pews on she brad d dd. anarwn nett to 'Scants Raw Aoor d Te" em midair de g O ? to r N pewoec rats. To aMain the araape de11v Edam flu tha bMM period tmend by On stamemomr sat roke the bell" tad- I sari sorewo traaa dry. add any new --coon; to arch egrtar, ad a .met aq Pat-. a taMns, (e dw eda N • Res m ae 6" a1 N. aamemeat ran r -= a Ag4d Ter; s coo s ddma arW a.paid Gianto carpe iaaod Is dw e.lorce .1 oath ae?nad.) Th. giso• a sae dairy baba of each TMn, wR add up d d. diy beans fr each Fears to Ne biaq Paled led drat by the rut menber of dap in ree bWuV petbd. The; Sibs m ate avempe day berate of sc h s gmers. 3. erred Pemntage Wa IAPRL a. The coo 'Arvad Pac qp Me' soy appor a 'APR' ve she rant of dtis b. N the rode P tPiesl. L (3? LIBDRL C ICrrdiou of Depdd, r S Matt a d Pdee) aw- m>ha ben of it" statornt roe r de Pedodc ra ". lK rate alld conapeaay ANNUAL P61C@Ir RATES cry vatl YratrrlY led na khoeoe r Oscras booed m ohs ataad kd1eM. ere III fR TV II Sara J-1-4 pW tie margin prawaady dwloaed to V_ Theso dwhpa. coal be eficdw on are im day ed yen blind Period -tared by tape Oed.tic tame errahp . the alas Jraery, Apt, July and Daaba. c. If he code D Miami. F I1- USM or e 93- LIBOR Rapiead Mmdit) as ve tha fee .1 Polo omeaeald read u the pedosc Ww", d. pallet rates real area Omit ANNUAL PERCENTAGE IMTFS may vary M09MY and say Maaee r deem beard m the awod ira3m, as loud m 7A. Wee Sa.a.beo.L plus the maagih prawia dy dsdosed r yet T1s drges was be alfatsiva m de and ay at Y^w bi q A? each rrondL a. Are®nr of Late, flwini and Rokarted Payee. Fees. Your aaauo M be Dunned no taws era two of the fees limed heat that .map daertp arty bMM paid User the terns or Vow aataar speesad_ - Rang the Ito w vvrve or M r area arty fees wader pea nodiodon to. mw rigs r aster he sae r ems.. === 5..W.iq Your mara a. I a A-awt. N a manant, V Tr app-ear. m the INis wtaear, Sim fete 30 cep tree de pee Nis a he rte coo onatiod to Sim r weld i a Use tap r w N itch IDa s aa sandr/ r Siva it you cor oral your rime. D,., WV Kira period, You say Wlnlllllf W 1M Year Kier wflhpll hanhq r a pay rim nodfv m ip lee To tacareer r CYew acsasR. Vou ease De a malty a ter r+iith0 tar wvew Relations Oap.rearer amnrdnp0oatreynwp/ Newp* Bal.rto in k6 =ck. rq Nit pk.L 6. If Yea Cher Your Aemut You tan aefease re dorm your aaatss by raertp Rap Ctstarm r Rddas _ a%Wr , = = as prstewdad biq. and wast?mp _your araa.e R Sim do apes creel ptneledzad bsrq anrnperler., we .--I. Rt1ip a a rr•rg• Ve. rahodzad.n to mlpm year a- Additionally. tar a[aer do car be rboad art V- pay .2 maid. You owe a irdrrdta rW trarerfras You lave rtlRdeal, ar- dr¢; teas ee tee, -wfioit lee, spored payrmeas lee, oth advice fee aad shy .Ica rave a meand 1e yen ,erns.. Ym aR regaslble tap these asmams e*.a- dey Wp ew m Sias seca.r or the mar yrar agsa r .loos it. aaur a they we Eric reed aerpra as ter r.ghae r ere am accon This may rear I. dego appa::i m ymr .®uR abea yea have your a to o m If it has akeady been closed Far mepe. N you audedzed a puchae Iwm a matdasrr and we receive Nit 1t.raufon fmm the -from Baer you rsartt has boon cloeod, y- act-as 411 be empowd, V. teens of the dvnpe M be added to yew oecvum. and Y•• M be rmpotrble far paymen. N Nee Ica . ewnbreip fee 1. your all wd, Nit Ise M .ardireR to be charged, to the career permitted by Inn. was dR .x beams has bean poid in few as deiced above. 7. Usiq Yar A.saar.Y- od r azaal hamaet be used in onoscdm wilt arty -~ earmerrg ,_it- e. !Mice About 9etLeei. Cheek Cwwrso . VA- you provide a deck a wy.ur¦, you mattio to a am- to uso id.rnniorn Iraw Vow met 1. make a rhrtfem elssmnfc Irnd trarmf r frmn Ver brat rooted or to pracer the mptap= as • deck traearaiac 1Nhan ale eras Mlarahalkn Ifea tote Back to make we eRtlrank lad under, keels army be w d k.- Ira you brie .crnud a seen a tha erne day we receive lwur -M net refw your deck beck fran paYm. and =mat tufan. Your ftracd BILLING RIGHTS SUMMARY Ile Csso Of Errors Or 9aae91rs Abour You aria e you Nfrt tam bit I.. yrhg, or if Ver reed wave Wor ed- ve t tmrsactiar a bat, ware w ism a apame .haet a soap a pooble at de add- for ngairms st-at ve dR foal of INS waamra. We avast beat tarvewftkh ywr no laver dam 60 darts arm we tare you the im ba the err, or probk- appeared Y__ W eau (]rveea naati.rns nanber, W d•+q Cho tti nor Premerva Year die- apt Your lens, give a de frinarq W-dore yew arm and ac,9e.a number. tae dole, .-pare of the rapeered error. a deecdpbn or the error and m ambrhadaah, N pods., of cony You behave amts I. an err,; a N you reed move kdmeaxoe a de.nfpbon of the hem You .R taros ab- You a rhea love to pole pry atnrmt it rued- edrfle wa are k%asuprikV It. W you are stn ob* w p.y the pars of You bat dap are cos n quewion. WNIS vat ihveaigate You p.e-e. eve - mpm Vve a deirq,- or rake &mV active w coaea the a-aars you Poston I.t Special Rude For CRet bad Padre If you have a poblrw vAd, dw grainy at property or services that You pudead with a erM lord led You lure stied in good takh to center Nit pmblew vWM m mend-K. Vm -ale have the rive nit to Pay the reeakirq ah ant der m Nit p+r y r arrea. Ym Ire ride prsa>eoa ofty vdhst da Ptmdeso car avers Chao $50.00 ad pra de chaas we fn tar lamrre are r Wal'in 100 =IX er .r v dore- In to ash or .prate Ire or H we -abed You de edveNanert for the property a antes, is pudnese IR fatOlati Rgaldeas et auer onr r brrirh a pawdeso.) Pletse raRnlear w alpn N e.pmndaaQ. t Does map apyy m epees- nwraeayr -d acou t. J, Does not apply fe b.SAaase ----fir rrrd -.We One support. hdowr don Pdvery pseerirc .ac eau „ ww.opiMenetam. OrevaM a itls.0on- re N A" .arnica mark of Capital side CotPo,ati AN ripws resorhsd m 2003 Ono Ol LGLBAK 25590M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received it our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Mesa allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. DAVID GRAY. WHITE LADDER David is one of my favorite artists - beauti/ut in the purest and most honest way. -Dave Mailhews DIDO: NO ANGEL British songstress Dido - across between Sarah McLachlan and Sinead O'Connor - is racing toward pop stardom. And considering the beauty of No Angel, stardom is around the bend. - Elle ALABAMA: WHEN IT ALL GOES SOUTH From the RIAA Country Group of the Century, Alabama soars int the new millennium with When k All Goes South 0-TOWN: O-TOWN From ABC's series Mating the Band with their new hit single Liquid Dreams from their self-titled debut album- CapftalOw Account Summary Previous Balance $355.05 Payrnems, Credits and Adjustments; moo Tranuctionrc S10&45 Finance Charges S.00 New Balance $436_50 Minumtm Amount Due $15-00 Payment Due Date May 11, 2001 Total Credit Line $500 Total Available Credit $6350 Credit Lint for Casb SSW Available Credit for Cash $63.50 Af ytntT service T. ea8 Cva - Rdarions or to rgwrta bat -.W- -L- 1-800-903-3637 Send Pgmenn w Send inquiries to: Attn: R-Itana: Ping C.Ow One Socks CaPiw on. senior P.O. B. 65147 P.O. B. s5015 Richmond, VA23276 Rkhmo, VA 23285-5015 524700-01 33 off Pepin price 31 off sole price on any of the full length CDs featured here when you bring this coupon in to participating Sam Goody stores. Go to samgoodycom/capitalone to sample the music and buy the CDs at these same special prices. sanW W ?N ?A OOC _o " o lint one Yem Per atom. Over 0=0 be used in -o °D animdim w ft ail vow aupm, sak 01kG special 2001 W M h 1 f t C -g oupon ua arc , t puac =L ands or so Waugh May 31.2001. GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 Payments, Credits and Adjustments MAR 12 - APR 11, 2001 Page 1 of 1 1 09 APR PAYMENT RECEIVED - THANKYOU L25.00- Transac6ons DATE 2 13 MAR YORK ART ASSOCIATION YORK PA $96.60 3 11 APR MONTHLYMEMBERSFDPFEE 6.00 4 11 APR PAYMENT PROTECTION 1-NS-S27-6904 3.85 FinanoeCharges pln rearm^e?'ri'?kfwimforrantinrmmr?n i{n?( 10- ? dYK ?r ??L PURCHASES 6446.30 -00000% .00% 6.00 CASH 6-00 .0542916 19.80% NO ANNUAL PERCENTAGE RATE applied thi-p-riod 0.00% 3202M V PLEASE RETURN PORTION BELOW WITH PAYMENT- T Capiftlow, 0000000 0 5291151856361793 00 0436500025000015007 New Balance $43650 Min'nnsm Amount Due S]S.OD Payment Doe Date May 11, 2001 Total enclosed $ saes Apt a Gq sus ZIP H- Ph- Ahanm Phme Capital One Bank LOUIS U RICE JR P.O. Box 85197 0 306 S YORK ST Richmond, VA 23276 ff1 n MECHANICSBURG PA 17055-6302 ?u???n??r ulr?lu?????u??ur??ur??u r??utllurl?ur??ur? ° ° ?nt???iu???rnr?r?rrlrlrellurrllrllruulrll?nullur?r??? Please -u y ---t .-h- oay-.W or aanry ordb madepayabk 1n Caf star One Bank -d--1 -r6t earkad amdott F Sane on Select Sounds witli Sam Goody! o DAVID GRAY: WHITE LADDER o ALABAMA: WHEN IT ALL GOES SOUTH o DIDO: NO ANGEL o 0-TOWN: O-TOWN This coupon entities you to $3 off the regular price or $1 off the sale price on any of the loll length CDs featured here whoa yen purchase them at Sam Goody. Ysit samgoodycom/capitalone to sample the music and bur the CDs at these special prices. BMG a son Goodr as nor aNb 1sd elh Caplad One, and Caplal 0- does not Po+Ee err ardorrs any poGrh err sin isc banned hue. Capk Orr k a (edmayy repk/eM>arvira ttaak d C•Pd•l Oro Rrnandd CaDV'aion,All dphls ronervd. 021701 Gptlal Our S O o m ¢ Q N t. Flow To Ahrcid A Fiurnae uhada_ psAOdc rue. To obtain nil usage daily balwce br tha yaw -D rnl llh ha already bean closed. W euunpe, - t.. nraea Period. You wit have o nosawn grace period of bwv period eoee el fry td. outset, v.e take dhs hl you auahodrd a puehaae I- a mom hom and we 26 Wye wfthaur r.rrnce her new puhdeses, new new Pvr Wso rrw odrr and bdanee ftaosbrs bepahnirp ealree d easA aspesa eadn dry, add any new n?s S w mcoi- to varaceon Orion to men*"' after your at nil e , d, your lrs been d oa ? , changes B You pay you Saw , on dr loam at TTMs oadrts. (X 1N ride T l ' ' N ? ? amman um added m your -%, of the adEls 7m a mem a »rm k WI b rsa d ctardroe with iN a•P•rr•ra lbam for paynhws bdom. and in tks for h m be aedntd by Your nod nanawe we a so Bdro Appid o _ Iars sutamar and ,o er aumtaa any =V== b y an e p p . yyeno lea to Y•ha ,ae. ere lee wed o rokue doaihp due. TMe is ro tlr•o period a edit dorm ::r Tfr"oil each = =1=1 in be dread, to t he ernalt permined by law, call tie and Recd baste: N adduhon, tlers k ro 91- panind ' add up .0 1h. daily bd.- br eedn 1 Sir fold f hl d d od b 6t xsaaa baurnee has been paid in *A as def-d abort. Y- cad a a:coue cuaot be thin You A.meaa 7 New a anV vsrhrnbn i1 Y•• W rum WY the rota balaroe.' an r y or h e segmw o9 Pa rearrar oil days it am biha Paled. This Uses un One , . . had I. con omion wah any nenan gmnbkrp b. Aa.hdnq F o Chrya Trrrsoiors wlidn err nor sn6jm to a gran peril am aseued f.harhss drug. 1) arerae duly balree d aadn aeprwa. 3. Actual laeaaage Rata. IAil'lL rrrr+ob+c 6. h1rA)ea Abort 6sYarnie flnaek Genvraenn. Whin you lean Uhe due al tha tnaraaen a 2) bean slue dam dr a_ TN tam 'Ahhmrd Ponfarea0e Ram' may appear as pesSde • deck ail: gymaa, 1mu auNdte - either u a 31 tSir min 'APR' on ,N run d rife naaenaea. um idoennathon Iron yar deck ,o make • oe-tame ==== S. aused. Addnioudy, a If tN code P purl, L fd?re LIBDII. C ICe.tiUou or abrarannc k.d trarbr tram your bank acauro or to I/ you rid rot pay err -New flof c ,bon the p cuouc OR•oid. or S (Baicand Pine) appear on Sir fiat d nr peAnd aaac ttrold hi th Ihnrras nr paM•haa x s deck tnreacah. whon .ve we idonmmbn teem yua click m make an docrmNc blihp plod in M, buts c .Mm camkue ro acne W yyowurr unpaid balance naafi do unpaid belace Is paid On HI. TNs nnhear Prat Wu mry sal owe irnanno nYUrps, Bran a s mamomm nos Y e Pe , moss and Wnrapaad q AlM/11L P9C9AT RATES mar Vann, ah.ndv annul may hnOeafO m dac.saae band fed batskr, lads may be withdrawn hom your bank araua a sou on the sane W y ..e rcealre you you pay Sir aeim Nsw Brines kndicatd a tN 1nn d Sine scold idea. o ford "o Th. NW Segos pymma, and pu wi nos recaiae your deck back from your mnronm by ansnn d•ai9 dad., but rid = Jorsf, pkr cite MM PAY m YoLL You f.whcal .wiaaa. =.= Lkgmd finance dwgm nos do m for the P Tense dh ft w be etradre a fr ire ey d your are waded m the tgpliuble a[pnae of your ArzsaL = pedon4 rarswao rKkV bdfinp ==! BILLM MONTS SUMMARY t c. bTdnmann Finns Ch ogs. Fo each bAiup peril lfa in the lily ad 0otebec A On Ciam Of ryrom Or Guemima About Your Bill) Vat• aocoua in miiacf r • fosnrs tirr¢, a rninhinanw c. N ere rule 0 IP:4. F (lien Il130111 or G 0-so. H you Ofk* your bid I. whnehg, or if you red more total RNANCE CHARGE of 60.50 wi be hnnpoad. if he LIBOR Regisd MmMld,appaas a ere bane of your kn/ .of- a a van -a- or bill. wire to nr on a tad users drrga .emdihp Iron Sic oppicnion of you A ramM. the paae6c mas oanswe nnna fa Sir a"- drat as aomn as p-M. at TO. aft- for peaudc milk) Is le- den 60.50, we AN abttact than OSO and aureapandrny AballnL POKIWAGE RATES may k4iaes drwn an ail fiom of Ws sutamae. We mum moue from t. 60.50 odnk a and " d6th- wA be g vary nanaay and may boss or amens based an the moue horn feu no kler Swan BO Wyon after eat gat you the ild to ail purchase s.a- of your azsue. stand ihdees. as bud in The Wad Sbst -4adm , plea am bill an which the anor er pagan appeared. You tan -rd.. Tspa.ry R.dinoharn in F charge. Ws maewe de do, rwanginh pmriodY fadaaed,o you Tlnne tapes cad eta Cost- ROW- manbar, bur done ro wA nos 1 i er ldl dpM io cry or all Rance dress for ai, siren A its dkoire a ohs isr WY a Yoe h7<"9 Penid ve u owrg P'osare you dphe Yn you ma. g r h l b bl+ha oily 2. Avarape Balsa Ibairding New fYdem-1. edit momd R a. Aaamre Lum. Owii and Obeemod pays I-. sr, t ar .aonndms yea ems and scours nun e dd annum o1 me aalread war, a Wacdpion of de error a. Farce clump Is da4ed by ewldplyiq ,he c y your acsaut M be aasad s come art iwa of iN mss ::.Lm mpl+rrtisn, If pmlbb, d you beiehs thane k bWraa of earth aspnra of Yea a¢arn k.g., tadh Road hem ,ten aura doing ary Mina period Under the error: m i1 you red nose inbrraa dscdption d dvence, ptanirae, R•rd ,eerie, and apeoial pulse) ferns d your anY1aMr apoevaic we erica rte rich to SN its you am tataere abma. You do net." to pay any by tha corraRahdaq duly pariodc -W than has ban nvalve o nos ta sass aay bon widen prior rnaiRoaa in anmla in quesumn wands wa am krrsi WkV iL de you WhioudY d,aone to you. At aw and of each Wy drirng you without wrfaing our daft ,o aesea err see a -A., am will olr90W to pay one Pans of you dill tat arc na the bdknq pedd. - Wy ail rwy ponedic ens b eta l h Wp b d JJes n a inter times Of a atarberdsp sae TI3a::: i Ym Aeaaata 5 in groi•ri ttt/ie vie iweoipam Your rPneniarh, we hmra report yon s Wipuem a tar ay anbn m rodeo she -c y a ar. segmw d You eemn w err aapnw. Tien n the add the bRirhp period, we add up . . appears a tN Ina d as owsss, yon Irre 30 amours You quasdan. the malts of "I" duly ralot6tlorr to adre n W K rh••h dd. aata dd. as he's mid ro ybrn to pdnddc 6nnaea chm" for each agae. We add up tN avoid payip err fee r r b- uric fee -d"d ,o you t,t Spadd Rune Foi Geda Grd PuW Ses reran ion edit onposm m aid_ of dee tetd pafodc B you oral Y•ur asT.enaa. Ouina des period, You rhh•Y r your amen" To 0•h tr tallyy l dace aru ma amen h.Atrre tumbell16 pay ere naoin.ne m non y If V•• be- • praMao wait ,ten quality of property or %= la d s take 1N begeorhp To arrniadip fee. ca ysr rntsaue, you eta senira,M you pnxcrond wish a cnadl oil and you bat- for -c h -W SOa and gad any thew narsmfoos roily os by raiq err Qumara Relates Dapanwwn ' Nve trkd 'aft 0osa faah b eneO She problem win ere and any pdodc Rnhsroe drnge cdo6td on dr pnevioos in in fnrindng de and pry Irma Herr Briggs menese, you mry Ihave de night rot M pay the -.k* V Wy s b.lres for art ••Ohrar- 110. the aAerna any ansdrdip M) grin as dos add ,N dinyday period aneum due on the papery or imn ics. You he- this paymaas a credo goads d aw WY Sint arc glowed i d d il 6. l Yen Cfus Yv Assn. Ys tan nagnM W doge ate b sue Cuswr Brides r oslru pndedeu only Won tha padtaase pie wan mail than ta a uce ro than senhaa. TNs afters s ere s preen, y fa each to g nern of Ym• aurae. Nonnerm, If yw poid Sic 11 p Yyoouu a s y Depmemm, you anal. Wary Yore oai -11a) and in yea honkie note or (50.00 and lha ph•dhaaa vqc se w e" 300 gyres of your along add- 01 we own or our prculwa stnanerR i, full for New Balance deveh a 1: rose arxes drays. raroel d pradrdtad bdr•ha. operate to malrre, or a we mated you the if you new balance vs two to • medic anoorn), none and oaae raaq you, i eoud N yw W .0 canhoel odwaiesew for Sig papenY a smite. dl Duds s trnWtlieha rdhich goo r Your Purchase, oi R•d.I pmeeshu ed ea.q ammagsaas, we si saM rc rnvasd ma•rd•a d amaaa or foots of Madh.se.) puchan aegmws arc nos aadae m ere dolly beho- We neraip d s drrae year aaea@ation so naRan yyaan+a Plague rensnrber to dph a. coneRwdeee. calcWU tle average doily:giro by sad.q ON de Way acrau i. Addtasdy. Irma atzeant wA rd. bon dared butanes tageter and dnh6hp the gun by the mnhben of nail You WY d amaaes )'err owe s frdurdrhQ any t Does err apply b oooamer one-if nN a-ounts the W K in the anw bdinnp cyder To Oblate yon mmI tosaabris you Thane audwaa4 arhanc?e crraes. pan finuroe charge. mnanhply Y•h• swaps dWy bolanhoe by err due fns, oheriait Saga, nessrnd PaY^n•?a lass. ooh t boas err apply b Auo- -.* card acr.,.ras daiY paiodc ma and. by ilhe numbs d hays in the bdina advan- Sons aM snry aduer bon ina®d r you dWll/sd. Duo W bandeau on . eNa Smile, doom may be d and it- Seenum the appeal' You y o r deem 'rte =1 =One appal hibo-don pd-.y prommia: see art fn==-== 11 on the free of chits oateaem b cued err a®nn a M err iaaamd a6sgara m ymu wgwat m dos ere acswd. Th. may -,ft in capital On . federally ,d rr is its a Y rpisierd a- mark of Capital 0 . nr:st m Bdass Ram APPad To: wane =t pl- oho e.M? .. a_...._ ...?. . ...,.mN.. de? appeaihp a yna aeaaa after you have ..r. .d dr rr?as to N lard a ere maosrnkn o1 Ons Frrrhlan Carponin AB dphm nrsaevd. 2003 Capital 0n 07 LGLBAK 3202M Important Notice: Your payment will be credited to your account as of the date we receive it. provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Phase allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the saute day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc- when preparing your payment. CaPita1CW Cardholder, A Premium amp' Has Been Reserved For You! wik t N • Refillable ink cartridge • Use anytime, anywhere • Limited lifetime warranty • Self-inking-No more messy ink pads! • Thousands of clear impressions without re-inking ? Please send me a Kwik Stamp• using my name and address as it appears on my statement and ship to that address. Please charge my Capital One° account. GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 "I-.I% :r,.. Account number: 5291-1518-5636-1793 FOR LOUIS U RICE JR CUsto ner'S CA a D X OI D E a$ 305 S YORK ST Signattr2 rvce -*y wn qa MECHANICSBURG PA 17055-6302 wnaDr.1 298909 Order adfdbnal Kwa Stamps on Dank • Detach at pertora0on and rubm In your raniterce a vlop% Capitalow* Account Summary Previous Balanm $436-50 Payments, Credits and Adjtuunents $.00 Tranactiom $35.06 Finance Charges S.00 New Balance $471.56 Minimum Amount Due S30.D0 Payment Due Date June 11, 2001 Tod Credit Line $500 Tod Available Credit $25.44 Credit Line for Cash $500 Available Credit for Cash 525.44 tit yorirsennrc To oB C, w r RA.aiOea or to repon a lon or rtolrn art: 1-800-903-3637 Send Psyn-o t.: Seed inga'via to Attn: RaninameProc-i g CaPdj Ore senior C.Pita7 Cu. Seirioa P.O. R. SS147 P.O. Boa 55015 Richmond, VA 23276 Richmond, VA 23235-5015 52640D-0, 7- OONLY? s $ 9i IPPing \a ro? dkrtg APR 12 - MAY 11, 2001 Page I of 1 Payvicits, Cutts and Adjustments Your scheduled payment has not been received. Please remit the amount due appearing on this statement If you base aheady made your Payment, please accept our thanla Transacfions DATE 1 21 APR SHEETZ #201 MEC14ANICBURG PA $16.95 2 11 MAY JCPENNEY INS 800-527-9767 05/09-06/09 7.95 3 11 MAY MONTHLY MEMBERSHIP FEE 6.00 4 11 MAY PAYMENT PROTECTION 1-888-527-6904 4.16 Finanm Charge A/rareaa reaerie rilr far imfortanp:?u?ijoArmN&?- CF3ARGE PURCHASES $445.53 _ODDDD% $.DO CASH $.DO .054299$ 19.N% $.DD ANNUAL PERCENTAGE RATE applied this period 36049M V PLEASE RETURN POTMON BELOW WITH PAYMENT. 7 capitalo , 0000000 0 5291151856361793 00 0471560025000030008 New Balance $471.56 Mimmum Amount Due $30.00 Payment Due Date June 11, 2001 Tod enclosed S Capital One Bank P.O. Box 85147 Richmond, VA 23276 Irtirlrrllr,.Irll..rirllrrll,ttllrrtllttrilrtrllr,rlltrrllrtrl Ar pr;et.Jdm d.nlu kbmainr66r-M.A;.k 0.00% steel Ape 4 Gr Sure ZIP A]- Ph- LOUIS U RICE JR a 306 S YORK ST MECHANICSBURG PA 17055-6302 0 Irr.IIIr.,IIIrrt,irLrlrl,rllrrttll,Il,rrttL111...JLrtitl,l Plcox oche yaw artaaat nrrmba on yao il+rak w .rm f ardo m+?c jaryable m C•taJ Ors Bank acrd mail in the enclmrdrnvcloje Kwlk exams as? would Hke k t to appear o r susmp 1? a Line 1 Line 2 Line 3 Line4 Line 5 Maximtau of 32 Letbo s and Spaces Per L&re Line 1 Line2 Linea Line4 Line5 8 0 N b n .- N K your shipping address is dMererit from the address on your statement please complete the form below Aff orders will be shipped tD the same address Pried CRY state aP. Doylies Ph-( l 'Subpar To tatdt app eholL MN rddeds rasa[ add des tai Please obs 15 eeakc for aeee.ic 71a taardshdse kr Nils oar and ale oea.self lie p anted by,l p.-Olson ce , 75M Gmsfror Bto,t. SL Loa Park, MN &542&451& Japs-0im Co., >n kdeparlder . tonpmy opedaidep In maLada whet. ls ahoy raporrEir brain p o&.b othaef and is not sided trlh Capital One Fine, Corp. Der espies in SO days. C.PNtI Oa lse tadaady apfdeeed sank. mark d Capital One Ant rxltl Coapooeoa. AN dWth rerw6 02DD1 capital Oa pedocic rate. To obiaie tae avertep shay balance for the bang period mxarad by this aaaaent, vw take The be¢ahiq W Wee d ado Sep - each day, W any naneabrns to .it eapnme. W a81atG say p,ylMlas a a 'es. or tM ode N appears m se finite d Nis "howeae .mO the -BA. z Hate Applied T0.' war oho mend any Wiped iatce dupe included in the balsam of each swelinteni.) TF's 0- u Ne dyay balance of oadn saprrs for tlr bite P trod rand 6vide low each nuuba of days in cat burp perod. Thin plus to: lie segpss_ aoartpe Why fatWhen of each 3. Mad Parmega Res- (APRL a. TM term 'A-u.1 Paapage Ran' say appear a 'APR' m tls ins of Ihrs wtamnL b. If the code P Found. L C34M LI9010, C fGaniirste of Dapoig, a S lainiord Pdetel apps of the born of ,his mmtrae When s ate peiodc t .l. ss pedodc rata W a AWe)AL PBCFJrr HATES jj? shatea the maw i aWfoaease based m Jotoa( Pda ate atenVo pawoddY dadoad a You Tfea dtmgea M M etbaiw m 1M bat day o1 Van Dille t? A? pedals ? aWrq -Whe July Well e N the ode D OPi.atl, P O Voce. LIBON a 0 0-. LIBOR Raptened Maat+li4 appears m What Ind of your statemad rpna m Ste peoodc ouch, > it P-S. bra W terrtaporhdarp ANMNLL PEACFMAGE RATE may wry ahreNY arh0 tat iaxess or dlrJ®a bead On the stead ih6ae.. a loud n TAe W.2 Sbnw.lowwL pus sat oaryin pnenwohdy 6adaed to you. Tics emtgee ar ma iand, w m sat im day d yon Slip pedod M ba chsaa 4. Assma d tare. Ovaii M Peymaa Peas. ran occoure, dM be as:aed no mare arilhan m two d cat tea Nastl Intone am ¢Y.tr daing any 61irrD Void. Under tba toms d ys tssaos apaersst .he eeerce lie tipth to welw th m u arses dry fee stollens pat War t is i dmNto yea wither. weiWg a< dy,t a arse: dub sae ar ? ees n a her %WWWL YY . A.mhat e a retanhMtadp fee .W-. m the fed of this aatauad, yea broth 30 days frahn dat dose the aatatnaa we lied u you to swill eying d. fa a a Mw suit W Dadra he you It you -aced you sasses. Dealing IN" pis you may conies to toe yar a cau a wahan hewing W pay The rrrembinamp 1e. To lied v- account. you Whoa notify sea by aerrq w Cm Relations Depana e n and Vey yoW Fatal, thew poor s Bar. tM 9. in rd of of the farJtdy y patiod 6nte^er 1. . N Tau l`I® Yw A.suL You mark aeprta a flee PaYouur aster, by faung lie Qaama Robdots Daparuttee. You tom iateY your sect odW W occ h nt aces dhacls, aced A PranaledOed beSng, W tees Corp yes. atoat.e R yen de tat arced paudhocitN ell big area Wrp w M Wadden ream. a , e you a .*.&a dhdza a -W- c Veto etas. pay A ado you r m be coiled toraill vion You Pay o aaeo yw - account o - owe a kdndrq any thate.cT. you in tn,ve tealo ahr, r- tiW. Past that tars. tann, ent- U-oaa - parameter eesd t-ea, cash a&- t- ea W any oM te asd s yoe .ccto.r. You aw .asprrile d (fee atrrars whether in doseaNp a i®. or ataey weao a Y?t m t u your rapari a dose the aoorun. Tla ry attest in W ryas appedhg m Veto achua aura Yen hew your scan if h Iats WUWV been dcU& For a. pl,. if you auhthotod a psd+ue from a mrdara W we cave receive he aasandnn Team it. -,.h- seer yoto tours has ban -load, your a^^-+ tog be nopere d, 1M amourn n Of tae ckee" M be added m your acoure. and you M be oepahaN' Tw paymwa. It avert ls a mambrldip fee for You aouurt, tae la woe --W- 1. be charged, ..he eaters permithe d by law, unW Into accrue blows ha bean paid in fill a deSrcd above. 7. Usk, Yar Aaaao.You old a --cotes onot be toad in tonatafm wean dry keenest .ambling transactions. e. rbtich Abet Ele babe Owek Cat-int. VWh- you provide a check a Payees[, you aWodte a efNsr to _ blpm - fats Yea dock Ice make , ono-dne .thmno is kard tnarear been yes bank access or u ptoceas depa peat as a check transaction. 1Men vve sea Infowatlon boat Motu check to make m electOWAL fad varsW, lads feayr be widdrawn bon Your bank ocean[ s eon a she sane deal the receive Your pywm, W you M err tea 'w Veto chock back been Your fanandd istihsiurc BILLING 111014TS SUMMARY (in Came Of Erma Or Ohrsias Aboea Yen Biel e you think Yew N I. wrung, or It you bad more information on a trrsaesim o bill. woke to des m a aepame cwt a sans as pe-W. at the add- for h,'Ada shown mare Inn d .,is earns.. we nett hear from yen no War dean e0 days afar we sent You the Stan bar m Mich to acv w Probina appeared. You on c.1 au Cuaa.m RdWWs ember, but tloiq a to not pessrw you dgda. b year boar. Paw as thetf bbwg aidomad a at m tba d: ah saned ended rataaxa, w a s reaption of the ton t e harmer and an etp Wy y you u n latawM r4 if i1 p posed., Of wh you be 1. an eaui lOn ; or it you need ape . o v do anon above • heave u pal clW Pay of the lam You art ur about. You ho anal amotoi in Quotation wA* fie ws an itwmigaarp it, but You oat aR obkptd 1. pal tM Pans et .Paw tea that .n rat tprenim. MTS. to it-stipne WLe 9uerhat, vw rxmol rtpoa ym s defrnprae a Ube any scrim w tssect Thee amotett you 4uatien. t.t Special fate far CUM Card PrpW,he e you Mw a pnoNaa with he ydhY Of proPany w You good 41 Mw (dad In Wocaa .M proNem wkh .he matted, you may haw Leto 19111 not to pal the rmn.k*V amarap des en Tbe pnopatY w mrwces. You Mw Nis potrcion Only Mean as pudaae prim was more than $50.00 and the pue ha,e war made in your botre state or within 100 mbar d Yea ending add-. (It we own a .perm the mdse, w Of +oe maaed You tba dve th-a t for tbe papmY w swore, all faucMaas R e -ned inembbon to sign as orr nce. of purNsse.) t DOea nor apply b oaatoea then--roam -d I Does nor apply m basroa ma-rie?ir card accents caphal One appms idthe"UNOn pdvaY l.aeairl' as our webate a www.optdme.om. Capita one is a fedessy regimes l a-mce mark a Capitol one N ? Corporation AM ripper rearwd. o 2003 BAK tar. Greae Period. You M hew • nninkraaa V- period d 25 day, whtom Snato W an near pndaas, new balance transient, onto epeaal .aches and sw velar W r.e a Yac pay Yetu and 'M- ao1. -.1- aaordras vdlh Ne inpwlar Notes far payamea blow, and in lime br b to M cradted by yer tea iealeml dosing dm. Time b We grace .arid m them atdoores and apo . Inatders. in. dfiioc, Lore I. no gnoe period tan any ttaoclihn if you do no[ pal dw teml 'New Mlaro.' b. Aeacdnp Fiarrae Ompe. TranoaHS uWhich ate ran beat to • Rex perbd ell irrtce Wry. ti form the tlne of tle tra ec o A to Co beat the dace it. vaseaia'a ay CA a d d c stoeYond n n your Acvas s 71 tam the Icon eel day '0 Slap P.t6d A ahroh- D ay, bVyou did not tee pay lie 'New hi etas' im de pawns yOWYq ? on hill, Smo alles condrert as accrue u bothance This mshs o an kill. sat yaryou aay it he ence -Mavis, even If You pal Ne .din N.w Solaro It.6-tad m Me trod of your auaownt by Ne note statanae flabll dose, bta dd tat do e W the pewee naele. top" Imes ch.r.ec are added he the applitcM. WWeera Of yae A-oWa. t e. kakrktee I-- Charge. For act bW g Paid abot y.ur .(sous 's a6ieel b a Shares crape, • aidahan total FlHAhICf CfA11GE of {0.50 M be fapwd. if the teal Sams Wr.e reerotin. ices Nan alpforan.1 alas pdodtp meat ls lass then 30.50. vw M subtract am anode than flee $0.50 tnddraa and dr tefbmee M be bi ad to it. purchase aarmnl of you asset t d. Tarpawy ReAMOh it F Ovpa we aserve the dgM . nor a- any or lie Shoo changes S. any given 2. Average 0ery aabew Ifnekre:rp New PirdsasL a. Rtstcs -scat I. celGated by atrfdpyiq the dolly fe.Q. ooh dlato sad( ss as d You asa and advent, , pwWae, Spatd [trsW, W ael -a am Ithe been DY the alsWarr6rnp daily paced- "d I Ade ayMdwit the bill" yew the rWIyWP.i6= rate !or arch aeWasd d Yoe atxsurs to des dory baWCe d lien sagas.. Than in the W of she 6iq .call -M up the tuba at 11- do iskWadas s -alto at yar .dock fenarca Wry. for each ..gwas. M4 add lip the roast. inn ea h sagas. u adw a sat .era patbdc Sane Wry. Iaf your acco.m. To gat .M clay bahntt for each eepnae of year aaxtes, we sae to begins e Mato Ili arch yelp w. W add srtr tow tmswios W any .dock Seance large ealndaled m lbe pewoua day's bdrhts for the aspnrd. yea dr sans ay pYrat We a endta .mad as of aim day Am are allocated fa arch Sep- of Voueaazaa_ ib.oevn, S ysu pd cis New Scam shoran m Yau ptrwms s.aseraee in Sol lot if your raw balance ran zee a it sect thoo-4 chew tntacdWs Mich pm to pwr padre apedd gootanot calculate Ne -nap daily balance by ad?>• iW b.I.- to0ahet W dwdeq it. aura M dub ,show Of frN°itarhdays dhbirpthe e, tta?yY' ? ee ? aa -holly eda a E by hoc daily pedodc me W W tba reeMar d dry. b tM Wing ptb6 Pas to tohetdrny m • dolly beds. Lena ahry be a .Nate woads benrmen Ws ednadan arN We aheoue of lino Wry. acaraey aesawd. b. If V. Cade Z w N app- m tM im d this samara now to 'Bdarate Neu Applied TO: we sat ipY S. 3GD49M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center nest be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery- Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays- Please do not use staples, paper clips, atc_ when preparing your payment. As a Capital One` cardholder, you could save up to $300' a year on Auto Insurance and help Habitat for Humanity' build decent, affordable housing with people in need.' Liberty To request your free auto insurance quote, call Liberty Mutual" today! Mutual_ 1-888-281-8006 (toll tree) Please Mention Key Code 1321 When you buy insurance through this campaign, a portion of the proceeds will be donated to Habitat for Humanity-' capik3lo .2' GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 Account Summary Payments, Credits andAdpstments MAY 12 -JUN 11, 2001 Page I of 1 Previous Balance $471-56 1 12 MAY CAPITAL PAY PAYMENT S25.00- Credits and Adjustments $70.45 2 24 MAY JCPENNEYINS 800-527-9767 06//09-05/09 7.95- Tnnsactions $63.81 3 07JUN PAYMENT RECEIVED-THANK YOU 25.0D- Finance Charges $.00 4 11 JUN ELECTRONIC P-AYMENT 12.S0- New Balance $484.92 Minimum Amount Due $15.00 Payment Due Date July 11, 2001 Total Credit Line SSW Total Available Credit $15-08 Credit UM for Cash $500 Available Credit for Cash $15.08 ur rnante Alp To 08 Customer Rs6bti w to repot a lea w stvlm nrd: 1-800-903-3637 Send pgmam to: Send;l.gairies w: Attn: Remitter Prom.ing Capital One S-i- Capiw One Seim P.O. Box 65147 P.O. Bm 85015 Richmond, VA 21276 Ridmood, VA 2!285-5015 32D7M Capita/ow, Transactions DATE 5 12 MAY PAST DUE FEE $25.00 6 12 MAY CAPITAL PAY FEE 10.00 7 17 MAY LOWES #405 MECHANICBURG PA 6.51 8 17 MAY SHE *195 MECHANICSBURG PA 10.00 9 19 MAY SHEETZS2o1 MECHANICBURG PA 10.02 10 21 MAY SHEETZ#m4 YORK PA I2A0 11 it JUN MONTHLYMEMBERSHIP FEE 6.00 12 t1JUN PAYMENPPROTECTIONI-868-527-6904 4.28 You could save money on your auto insurance with Lberty Mutual's Group Savings Plus! Call 1- 888-281-5006 for a FREE quote no%! (Mention code L703.) Savings will vary. Coverage underwritten by Lberty MvtuA Irmsance Company and its affiliates, 175 Berkeley Street, Boston, MA. Foran[z Charges P/mrr rer revmtridtfw smpartont irsforrs.aion Bd ? pm.d -71716- MEE Sy/i:ls> ra< PURCHASES S50256 .D00DD% .00% S.OD CASH S.00 .05425% 19.80% S.DD ANNUAL PERCENTAGE RATE applied this Period PLEASE RETURN PORTION BELOW WITH PAYMENT. Y 0000000 0 5291151856361793 11 0484920012500015002 New Balance $484.92 Minimum Amount Due $15-0O Payment Due Date July 11, 2001 Total enclosed $ PP }.;ar.Jbm rb..ja Lrbw_;., Ra-,Wdi+L 0.00% Starr Apc t Gq Son Zip Hone Phtar A]-- Ph.. Capital One Bank LOUIS U RICE JR P.O. Box 85147 r 306 S YORK ST Richmond, VA 23276 n MECHANICSBURG PA 17055-6302 1.11.11111 ..d.11111 1 1 II..II...111.11!.1.111.11111.11.111111.1 1...III...III.1..1.Ld91.1111...11.11.111.11111.11.1111111111 Pleat write yule aaw 1 rsrrmbo- yarn clerk or moary order made fveylab a to Capital On,Ban4 and mail ice Me endwrd envelope r Remember ... you could save up to $300: a year on Auto Insurance and help Habitat for Humanity, too! Call Liberty Mutual toll free today! 1-888-281-5006 Please Mention Key Code UM Imanance pnodxis are povkfad and udavMrt by a ml am the axckdvs obkpalM of. Utatty sbmral kaurace Cwapay Sad is of"". 175 Berkeley sbaal, Boabrl Uh. Irsaarce ProdvCs an not dlred by capital Ore or by ary d ft al:a0as std am not a Capital One product. R- tarns i d spews may vary wW may no( be avallade In all states Applicants am, bKOWdafly undemorteen and some Imirwk cis may not paibc Year decision b paatiame Intemnce and yeer d"I" of e imate -.peal M aw ro efled - your eipbiq for any capital Oa pmd cl or se-ce. kmutattra produds M td depot ad FDIC ihuaeed, nol btaead by a W led ml pDrellmMrr apaay teal rot prsaaeed by Capital One. Savings te mporfd by Lbeey tdrtkd far b Gap S-w Pkse w bawd M elected pr-,A- LLmgmata m wilt mqw aab banxtuna: cadets horn data cartpied areniy. Ybtx genius end 5-hp w11 Vary. GGroup decaurds are not saleable In all states ad rte r vary by emla. tC%" Oa will coact b Mobtal for fDCreuay InameYald S% al ri post re-mie It recalw awn LDerly AMmd fm US wales d new personal its Mustce policies generated hottgh tec campaign and put kh k me duktp ale flaw podod 2rW b BM0111. capita One is a federally reoWered service wad of capital Ors FaaaLial Corp-raft t. AN dphb reserved. 02WI Capital Oa Fi- W Corpalalion By responding to this offer, you may be eommtatitatbp infwmMion about yourself to the company that provides this praduot - for example, that you are a capital One ctatomer. 8 o i o ra p O b prfodc rate. To obtain the average div balarce for the peded cetrered by this sramaa, we eke ri bsgirs . bW- of each aagnera each day. add any W-awera ID sect segrva, tad snawa arty paNwma or toads- la ri cede N oppeem an the here of a" Imamate next m "Balance Nate Applied To: we ale rams any upd frnrnce dnnpe kehdd in ri balettca N rain 1 This p e d dray 6alme of each W u up i the ddaiayV lawless: for wdn I. the htig pedal ante dI by ri focal mntbar N Wye in w Ditfnp period This gives e w =- ". dAV bob- of each t all-. 3. Pereraye mev (Algtl a. Tlr new •Atssd Pncerttege Bate maV appear as APR' m ri fain l. eis smenm. b. if the wW P pixel, taints UBM. C ea a of Depoald, er B (6arecal d Points) l pp-. M 9. ri Imm of INS aarerrva axtto ri p;A --W- ri perfodc mss and mteNOndng ANNUAL PEACENfAGE RATES my wry qua attd maV kaaeaae er drreate based M the smsd n laaM I. The Wit Sklar Jw.rst peas ri eurgn preiraly rrrrloead a You Thee titsnpte wi il Nlagiw M ri test le o1 yar i the perbd toad by ysr pedodc Susae, c It adrg in t he matins.-7Api, JWy ad Oa the cede D prdro F (1-cn. IIBOM er G G Q+n. UBOR M me' l atatemam wtd a ri Alpdiy)pe==w ramPN yrr AL P RCEUT G TES mine w t a ly and ANNUAL ECENraaGE RATE may r wry sated d 3nd k.Sm. s rand fn ne e may sores w deoete lased m The WOW sisar.buw6 lake meryin pmviordY datiosd to Yaw Thal des the fee elleetiw m ri Tim WY d yore lai,g pn'od d mama Fete. a. Aswaers N Laps. cave POys of w Your h ta o awe-d - Mmes th NM Irrp N foes listed inm ert that oar dmig wry biitp ledod. Under w tees at Yavr oteamner epreMea, we eterva w d= to wales er nos 1. saes any has rridhorr purer ndicetion to YOU .:dam walvkg ors tight a awes the seam er sprit at a later uses 5. Yore a IT a mr be appeal M the lawn at of this stnerceeL ertL Verr haw 30 Wye from thew wins this to how wd such cos lee cmne aFd you to ytoou it void cmcal w p yea cared yoer attcaure. OuYg vim Pedal. lea man hsskae m m yT. r?ure wahoui NKp o ryY IN msMedby Carats Vas armuei. yd rears ttodiy acs by ce rAlTo ihp ow Ctaleater Relarioa Dapnenem .ad pay Nrew Bala- - IM (exdudnP w maaaaap 11 Per s 1h lid N w WrtY4Y Period 6. N Yea Cl- Yrr Aeaad. Yea can mgeea r dove yse n®In by ryl+ni our r.eanrrer Rahdors o ®cegxg A You swat dewray put weds etah ua aces hacks, -cal at pwwdv¢ad biting, W end cear uairtpywr eccorca- a Yea W rter veld Pmralndad rtrgernhns, ws all rvoi6r racvI N a cl - w par sihodaafM a raapertpr eccetet. Addidortaly. Yea == wit not ba deed amp you wit i .mans year owe w k has tg any traaaoiaw you Nw ewhoritad. iotca darns, last due tan, oveWhi bal. nrruntd YYa^ro bex, cash .dvrre tan std arty wear late eased m vous ermua. Yea se regvobb for tloe assure eMeLer lay appear M Ys St" n ri Ikea you spear to de! w a[YAIa er Illy are ioraed ahaeprem ID Vote request to wise the eccoala. This sly soh in hwMae appaaig m Your eccer.a leer Vine N- your teceua it in rtes already been rfm4 For example, 'I you sadwhod a phech- Iran • mertivr and vs ntGi- ri tie c Wt horn 1 mewirrc Mer your waxen Fos Nan tee I your atxacra will be moprwd. ri t e oat ef Ste cage "ll ba added w Vote accost, 100 yyeaau vefl be msprmWe Ier payrara. If them m e nawroerwip be tot pa ."e"" ri tee vat rsmiroe m be carped, io the -1 pe" IWC by low, me w eecaaa balance hoe been P.. fn Da te dente = d e 7. t/vq Yser Asrrad-V- cam p eccotn ravtm be used w CMMCUM -dt r W "scow gat ew g trrnocio- e. radio. Aber Barb- Ch ck ce w mim wren Veu pmvid .. hack a paymem, you eahe i. v aid- to tae in/ocnNm troaa you dxk to malre • one-Ilene abomalc nand tm payment a tact you ram joh, What, - Pswsc the 11 as a tack -k. lm, is are Wwmad- Iron yea clack . m rake m er to V-1 be* he t bum your bank ackcal trawler. brhW t be wi xauq s soon s the wine Wy Y - we rehxi- your wVrrs, ad You vA not recd- yow seek beck Iron Yom 1tat.tcal ksliwou PALLNG NGNTS SUNMANY (b Cate Of Enos Or Otmiom Meta Your Bill) If you dirk Pr bill I. wag, w R V- teed cope kft-,.C n m a tmwaoim - bill, -be m- m a saPates almat -= - Pesbla s w addate fer kVWA'W6 shown va the hum of This setewem. We mur hear hum YOU ro bier Nat eo WVs aher vs eat you the Lm bi m v"ch the aner or problem ^Weeed You - ba Wing to wit rum W oer Ctvamsr Ralaiats rcmNr,g d, prearw Your dgaa. b your Imr, - e w bllawnp rdpanwerc ymr win. and a¢an rx.n w dallar samue N the nspectd ear, a deacdpfM f ri ertor and M e planSUM, i1 Aside, of wMhyy you Deese- there is you reed elm i fen. c a deactiptfon of It ri tins Yea .re asses .boa. You do r m Nw to ply any emote let qusaio0 .Wen ws arc hvewfytinp h. but you arc >w obflPted w pay Ne pees N yoal bM Tat am not let quedera laaik rot kceaipne yter a1 1-' vs umw spat you s deliro-1 a rake any action m ceteo it. aamoua you gewiM. i,t Special Fkae For CmW Cad Ptoth- R you how a prabem whh the gmlity of property w N::mice vat Your Purdtaeed Wilt a c-1h lam and ym - tlfd h pond lafN n apteet the proses w1N w merdrm, yea may Nw the dills rah to pay tN remaking aroma due M the vtopertY er emfces. Vea he eis pmedm Wr wean w pwdae glee ws ream then f50.00 rd des purdor was meal wt y0er home sate p wtdfm 100 oils N you etaWp addax. IU we own p :peat -cham. p B we muted pu the a emra I. the rc c--d mg-111- ?amwtt p location Node-.) Please entrnbe, to sign d carmspwdence. t Ass em apply to ceesrnrar raM-credd cane accwaas I Dees'tef apply ro brmnesc ---* -d --W, Capita Ole appMS kdotrrtati- pdwcy prmembn: fie our weD 1 1e at hanaw.capitalorne.cent. Capital a i-• bderdy regwerd -,A- mad f Capial One Runt,- C0np0retion. AS dghm merwd. 0 2003 caphr One OILGLBAK 1. lbw To Avoid A Flues atarae. rosreae pace peafo0 N ta. Grave Pried. Y- ail ;L. 26 d y. Wd- fn- new psadnaaes, Mace transles, now ail- prdsws rd new rl- ch.19- 11 you pay your stet 'New eatauce', in aecotdrnce rAd, the Irtponsa khdce for Paapvaa below, and in Ikate her it to be taedmd by pa tin a iamee a dasig date. These la a Roca fneded M edt edhehcs and appital Inabrs h sdd'nian, vas's ro ?m Patiod =1 !omacam it you do rtot ply fie aww New -. b. Aaaukg Fiteae Cnrpe. Traraaiala hwicn am rot x6jan Ica a prece pedal ae sassed etvaca cape 11 lass w doe d the lrralaGliee er b her ri dam w trrraoiert b pooseed to Ys• A®asa er 31 heat he ea nl 6d rot not day P.y the ri 'N- ew Balertce• BA big b in pat Add+iratY. if yes ar pnavfals dakp pried H aafl, 4aatQ dates balancer a a Vas alWld babrtce rase ri apald balance Is paid id in let fell. The notes that you awly de ewe: firaoe drrpr, swat it you pay the smite Ni- 8eleroe lahdtcaad M eo lrorr N yrr at.t.m.m by ri tee etrMVa doakq dom. bw dd ant W e for ri preuiss nnonra I/rpald iota dmor am added a the applicable aWmea d Yale ACLWa- t c. hfi.b- I- Image. fv act Nina faeded mac you ebcvrss b rdiea to ¦ irises des a snivat teal liNANCE CHANGE of $0.50 nr7 be ba 6ap . 1 the total fiwtn drape th ale 10. apperaderr d Vow pedodc malt is IlsX e wn $ so-so, as wi rated vet amalaa from the s0.50 q-m at and e¢ daeaerae vni be balled to the paWOe sepnst at YOOr ttmotca. td. TMperry Redtd"sn in Five Ch qp . We user- w dills io no[ verse sal or ae item cage it wry Van 2. Avaapa ? Deal, BJene t"'ek g 1NC tYSdarW. a. Fro c etpe its raloitt by neadpyig ri dolly bNartce N edt sepaem N your aoceua k4. rash stlwrce, pudrse, apedet treater. ltd :gecal prdter! by w ...q-dine d y parbac rweW fie ItWSybest rm for lad w bflstpy Plod,wet tap apply Igal dilldealpedodc mer N Yana . d lad wpners. Then n the w -to balanpe end N des bifnp pedo4 ere add up w assns el arse V caloiadals r ardw a yos perfodc fiaroa carpe br rdt epms- We add tp fie rWes hum old sepmvit ip ant- at ri prrodc hate C: rut for you emus. '1 pal ri diy balance fal lid egnera N Yoe atmaa, we rite ri bagret" belance br sect aeRmars and add any new tansoho and ally pedodc dance drryie Cdaaard M 0. Ptsrips Wys baleca tin that egnna. ws et.t awmau wary p.y nmal at olds poatd r d die Wy dale am atloraa l m tea egnneraI TNS ohms v ri spasm Way balers her led eegnera N Peet ,anus. Noi.e.er, a yea paid the New Balance storm m nos Paeaiaro wasters in lll I. Yota new balree woe iero a • trade at.wcy, new If trsrse - wit h pat to Vier pacdoae awad purdoe aeprvas as asst added r vo doily balers We calotaate ri atomge Way betas by additp d de WRY bdancas topatNr and dvidrp w sus by ri n.ek- f the Wys in the ahem bin0 cycle. T. sic ift. Vw tad fiance tierpe, amiply pus .-rage Way bn/artca M ri clay psfode ae end oy wonder d Wye in the ttirg pedo4 Due to mudrg M a diy hsic, :sac say be s -fight -loses N1weM die rJlpaeliM sal ri amoa.a N farce char email eased. b. If the ads Z er N appem m w fhem d the watram ass 10 •Balrtce time APpid Ta vs weevilly he .. 32D7M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a business day by 3:00 p-m- ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Nbndaythrough Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. A SPECIAL OFFER FOR THE CAPITAL ONE CARDHOLDER NAMED BELOW LOUIS U RICE JR y 00 is entitled to this ?? 1111v. _(ivA?irlm GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 •Thi. atasrnsem h., nw been -k td by the rood and Droll Adminia-Im. This produn u twt W-ded to di.gaose. vean. o- or praye.t .rry disn.se. E. Trnahto. N. GBE2 C'apital0w* Account S Previous Balance $484.92 Payment; Credits and Adjustments 525.00 Transactions 510.15 F1n2na Charges S.DO FREE GIFT A 30-DAY SUPPLY OF GINKGO BILOBA from GVC - General Vitamin Corporation Forgetful? Ginkgo Biloba could help your mental clarity. Now, try it free! This herbal supplement has been shown to • help absentmindedness FOR • promote blood flow and oxygen to the brain • support mental clarity.' CapitalQre Call toll free 1-800-323-8482 now! CARDHOLDERS 591900-01 JUN 12 - JUL 11, 2001 Page I of 1 Payments, Credits and Atljustmcros 1 25JUN ELECTRONIC PAYMENT S12.SO- 2 09 JUL ELECTRONIC PAYMENT 12S0- Transactions New Balance $470.07 DATE Minimum Amount Due Vs DO 3 11 JUL Payment Due Date August 11, 2001 4 11 JUL Total Credit Line 5500 Total Available Credit S29-93 Credit Line for Cash S50D Available Zil for Cash 52993 At jwwseratirs To can Customer Rdniom or to report a lest or W= mrd, 1-800-903-3637 Send Pxrmems to: Send inquiries ar At= Remitu- Processing Capital Oae S-i- Capital On. Sa i= P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Rkh-d. VA 23285-5015 30581M MONTHLY MEMBERSHIP FEE PAYMENT PROTECTION 1-888-527-6904 56.00 4-15 F-manu Charges PZ a ac -se xirAr * smhodant mfwradr./oa B1 err P.4.& , .1-1 Mps .ppivJr ME PURCHASES 5476.78 DODDB% AM 1.00 CASH S.00 .0542S% 19.80% LOD ANNUAL PERCENTAGE RATEapplied thissperiod 0.00% PLEASE RETURN PORTION BELOW WITH PAYMENT. T Ccapilzlllcw 0000000 0 5291151856361793 11 0470070012500015002 New Baliam $470.07 Minimum Amount Due 515.00 5taa Ap. e Payment Due Date August 11, 2001 Gy st„e ZIP Total enclosed $ Hwee Pb., Ahemrtt Phone Capital One Bank LOUIS U RICE JR P.O. Box 85147 m MECHANIC BURG PA 17055-6302 Richmond, VA 23276 0 = Ittitltt11???lt11??rltll.tllttlilt talltt111.ttlitttlitttiittrl Ir..IIItttlli.... I.It.1.ItalltnttIf.11.ttttltlllttttlltttltitl Please wrdj- -,W -bar an you rbak a -y ordn made fwyable to C tdd Ow Beak and snail in Ox e=kved emmtepa CXgrricAT6 I-- By CAD4ERAL Vrrwam.r Comonwnwa To SuLecr CrtIDrr CArms Afuo Or 1 ORGANWATlora WrrH VAwes OF SS-00, 58.30 n S 10.00 THIS CERTIFICATE ENTITLES YOU TO A FREE 30-DAY SUPPLY OF GINKGO BILOBA (a $10.00 value) Plus, you automatically will be enrolled as a trial member in General Vitamin Cotporat on's vitamin program when you accept this FREE offer. YEs, please enrol me as a 30-? trial member in General Vitamin Ccirporadim's vitamin program and send me, at no cha=off , any lice 30-day supply of GINKGO BILOBA. I understand that, unless I write or cal to cancel during the 30-day trial period, I vAl recdve a 90-day supply of the same GINKGO BRDM supplement every three mntths for only 529.95 plus $3.95 for delivery_ This amount w® be billed to the purchase segment of my Capital One credit card account. I understand that accepting my gift sample does not obligate me to continue and, R 1 wish to cancel my membership in the program at any time,1 can notify General V-namin Corporation by calling toll free 1-800-323-8482. In any case, I may beep the 30-day supply as a gift Redeemable exclusively by: LOUIS U RICE M 306 S YORK ST, MEC HANICSBURG PA 17055-6302 Account Number: 5291 1518 5636 1793 CANWO MM $10MC E MUM MY Will I= SGRATURE) Your full aliment authorlm Capital one to kuwan your aceorw nwrbv, calls and add- W CA-al vkasin Corp. fa the toleporpue d bd ft and pooeaiq its atilt. By nxposlint = the offer yw mar be m..aamleastrnp Intonation about Ywadr o C<rsrd vk.mn CwP.. WWh prmI . " product-for erarwpl . *. yon area Capital One cass- GET YOUR FREE S 10.00 SAMPLE FAST! CALL TOLL FREE 1-800-323-8482 E"""ar t'° OR ENCLOSE THIS CERTIFICATE IN YOUR CAPITAL ONE CREDIT CARD REMITTANCE ENVELOPE GBE2 This offer is made aid warranted by GVC - General Vitesin Corp., P.O. Boot 1500, Chapel big, NC, 27515, 1-806323-8482. Genera! Vitamin Corp. is not affiliated with Capital One and is solely responsible for its products and service. Capital One is a federally registered service mark of Capital One Financial Corporation. Al rights reserved. O 2001 Capital Oro Firsneid Corporation. 8 O : N O . 1. H- To Ave! A I-. Chrps. pedoic rare. To obtain the avenge diy b fo ce bat the - yes aurorae H it has already been closed For nnmple, t.- arse. Prod. You wad have a nhb*,- pen: percd of b=no period eased by dill dalawas, we take the if you sd odred a pitches from a merchom and we 26 days wirhaan frnsrce erarye purdraea, nets bepmnp be&- d each aepnse each day, add any new scdve rho r rsaedm fair the mmclum after your balance It you you pay your apaaal ew a to e', In odatr lat"Wes bNgps H Pau cud 'New Balance'-. In trtoradae b each aepnnas, aril aeblad mY Paymarts or aMfa. 01 the Bade N appal m that loom d this acxaas has bass caused, your account vi be msopeed, the towns d tor, rhwge will be added to your acco re, atmrdrrs o4th The I pent s Wive tor payetrrc below, nnanns non to -Belsee Rao Applied To: we also, amd you rise teaPwwablt bat Payment. H theme I. a and I. Sires for h = De aeoted by yn neat internee rbuect any ratpald irnarhca drape krJudad n tha bdaha msnbwalip fee for yn emus, tha fee wW arskas dwwbg doe. There I. ro grain pedad m cash atlwrcm of each ?prhss.) Tit's gives t. the illy bWW- d each f c T l l w be dsrged, a she wows Parmined by law, untg the l i b I h and special varsiea. N addnion, it.. I. ro pears piffled m any trasaaton if you do not pry the total -dew ancer: or ea h rralpas- hat, we add up N the il yy ba sepnwo for the hifng Paged and as ' by" tad accpsei lots a to erb pa d in Wk as de6rsd oho e. 7. Uai;V Year Aesswd.Yea old a aeeoun ensm be Manse." mnber d dale n d.e bN:y perod This give t. the used in swatdon said. any ksenwr gambling b. Asaukq Fit- Chung. Trrsaalooe winch are n swop dally b W- of each sepmert. traraaniora W>jea = a grace Pariod . -d Nnraee datrge 1) 3. Arad Paertga Rates IAf+ItL 6. Nuke About ? Cnsk Cawr- Wheat you = : hn the daw d the tnoea2) Irom the data she a. The Ica 'Ansel Percentage Roe wry appear as provide a dater a Peyroerp, you authodte us shhar to transaction I. processed to you Account or 3) Iron the 'APR- m teeat face of it. mention. inyawwaieh fww year dock to make a ors4ime firt ciders he day of the arras biting period Ad3Ywmatly, b. H the code P P.A d. L 93-mo. UB0R). C ICenili- of eloor-oit Surd tsssts Jr- you bank effete or to if you dd rho Pay the -New Balance- from the pervious Deposill, or S Modal Prime) appears m the fray of pores do, paywsor as a check darssaion. Whan we 7sedg plied n b•, tierce dhupes araiao t. a¢rne I. alit wa==rs won a cat me(q, cis pedadc =Z use Mom otah Lose you check to make at dearoric yax unpaid bdanc?e uhd the upod balance is paid In kA. h if roes aM mre;w6np A EIICDlfAOE fiAT6 d d b d b d kmd vamW, brae ray be withdrawn tram your bm* d i d This ears let Your sett owe fiatem c arges, even ter aria New Bsl indicated m the kn of may say psrw y an way low- ecwaae ase on du =toed iin loud in TM Hrea some s ca rs s raeea a es seas ay we rece ve Yon papwort. seed pu wi raw I-e- Your check back from sod == tamtore by that nett =temsmr cloakq dale, fair rid rgn praviady riiecioeed to you de seW the preaios month. Unpaid fiance Wrgec a elfierire emit the New my of ya are shed a ie applicable ammos of your Af2pen. d Dy yn peefodc natanae eahomq 9A??? t MFwa F Gasp. fa ash t nance ry. Api..kly ad Oaebn. 0- Gse 1N Eros Or Qmtion. Abase Your Ball you a- its stbiect = a Amore s , F I7-who. U00/0 or G p-mea. H yee dank your bd. is yang, a if yw need more teal RNANCE CHARGE of $0.50 win be bnpmed H the LIBOR Reptad "told q;p0j an de, leas of your nlormarion m • t?dan or big, write to t. m a low S.- cheap reMins I- cis app6cati- of you s=tewhwr am a cis priode =cede, the pedodc ntea sepema aheal a soap as pitiable to the adders tot periodic nodal is leas tan $0.50. we wig rbuact a=r and comeq snfeq ANNUAL PE CENFAGE RATES may kpii ies dhovse as the fears of dais nnsmrs. We mud =moue from as $0.50 micmun and the tells- wgl be vary maday at way ieroaa or doaeee based on the hear from you in bar than BO days shot we sem you the bled to the pwchsae aep?ars d par sccohas. speed irdors, as Scud is The W.s Street J-4 pit. Sat bd. on "id, the age or problem appeared. Yw can td. Temporary Rolootiwn in F-- charge. We =ano the the: margin perviously disclosed = ysc These Wnps rJ n Cunneen Rdaras =amber, but dokq se wH not rnhhdp1hhtt w aim aaaese any or i fwwce a9erges W try given will be of ocaw m des Non day of your Marti; podod Pass- your rids lea yae Sena, pw its cis tdbssq D Period each rmrtds wthamstrwc yn aer=I sad aceour sanhar, the tldkr 2. Avvrsge Daily 6efire,a eal• " ' = a. Ass+mmrs d lass, Ovsisk sod Rationed Payard Fees. as=us of the suspected ants. • desedpion of The erne a. flan dsrye 1s - =r= Z.y - 9Y Yn a®tss w/ be aamed m ante shah two at the, Ices a W m e plaaas, H poable, of you b fi.w the= is bolwce d each segaara of your inou urs (..g- cash Noted here it- amt dh ..a wry billing pedod. Linda the am ear, or H Vona need snore nloaat M. • d-Peah of adaosa . purdatae, gatdd tranfor, a rd special each ew tams of yes. o0amr ag'so-rat raw reserve the riper a the I.. you as :ease, abohat You do tar hew to pay any by IN eassspan6np diV peiofe ends) thn has been vwiw or nor as ass: any Iese wA hou prior -W seen to . sta=ll n peahen vdie ws a= inoigatbhp It, but you pmevaaly dsdosed to you. At *a ad of each day duiq wthous wiaihp m gds to =seas eat cams n s&iar i olg obSptnd a pry its Pans of your dg that are net .. eat ihl6q Paled, v+e nW 7Y the dally Pedodc aim for each of a bin tLS. in queNss Nrlde tae iwvesthpate vote psnim. we came repeal of your aCCprra a the illy Gkrna of Inch 5. Yee Aahmod. H a merrabenhip tee repro you in deipgsa or sake any action to collect the -apace. TZ n cis OM d ie NWng period. we add up oppesn m the kart d die ae=nas, you haw 30 aonrtot you q- t. mule d shese GIyy tslalnisat to ado n Visa data from de, data this stateesra ass malted to you to pabic irmaru drrpa Ito eadn sapnart. We add h p the void Payb9 the tse or to low such fee eraftad ve you r,t Special Rule For Csedl Card Purchases rants hn cede apses te auks n Vac cud pedofc If you cad Yee emus. D drp die period, you may Nruns charge far you account. To NO de, dally baWcts mmaeksr a ass Ywor algae than having at pay tha H you have s pr 11 orm cat quality of property or for each scpnarn of your aemua, vw ..it. its belrsang mast-i" left To cancel your ntrsus, you mud serve as era Yaw Purchased v hh a awk card and you Mamas for each aeprnre and add arty eevr Irarssdas rally t. by eafbg m Cewamer Pd- Depamnat how Idea M good a" as comet, the problem with the roil any peAodc Skmrs charge caknain m tha feeviwrs batwo W that = ert We than s btraa ter toil Pay m- Bala - n kal Iexeudang tha sicd whsnberde test prior a tM sal of ter aain -0a nwrdms, how She dg hinp you not pay the ? ry p Westin or aeon posted in of due day that am allocated p y y p 4 N You Claw Yon AmouC You con spat a cline a this amours due on, tf s prspatY or saMon. You how this sdrur the pewiatae prix race moe than e m W that apices. Tits pas t. cis sePaat, illy Moss howe id the W ada rt 1 ssn r 11 yy?aar acraure by C.Mg car Cwmms Rdathors You was deca De aoeseoe ou a dd ordisl seed r a 350.01 aril pudhme was made at your tame caw or a . ve . yw pa selPaa Von a New Set- A- m your pe,vias sutermas in kA la p . y y = acauwn =mss ctneccrs. cnnc?d a0 preatdaaad 6ikhp, naiaM 100 sin of V- waiip sWmesc. (It we own m options as r r, s H you as d.1 your new Nand was sin a it cMt wnaus). sew de mno[ ruched and ease atzoue If law ym s fix a aloe Penney sirervi .event sces. d purchases fix transactions which post te your prcea ai special M atraryarras we r n y g o -flid a s m entered apaf .4 to d wers a lo cation of purdnese.) purchase apenom ea as not added to aura daily g as balances. hha e:es. rafaaare the average illy balance by adz p as daffy y f pe oo aal?a a a dage yrmr as ccoure , to reopen yon atsoha. AtldaWhiy, your emus vii not be rimed si Pwase ren tenber a sign .4 sorresporhdree. and d"ng the suit by the numbs of belarsais t =Y Pay .8 aoeeaha you ovate its k.*.W : any Aces nor ry it, x e - d of n t sew nr the days w o bWNV cycle. To calculate i- t cdorhs Ym Ware suggestion, 11- charges. Pad aap r oeo sv nay cre ur ecrou s m e f dal poem ,z.* d?oy?i rte snuwirnabeger My bailov s bgkrw Y. I. parmatt dv? ,kae?amhdor any ad- Iumed Io ? ywr? ? races nor ppy 0 eami.mes non-seen r..rd .scow,rs Period Due = nonorap analogy Dads. then may I. a d'qh wiaaaa between curs caloanbn std sew wwour of ssand. Ym ¦ue wsI "' fa Th- starts vinater desy appear on your amen o the dm you spar = Capital One wyposs bdeweatiern priory pmoreaiorh: see err Nana datrge actually sueaad. b. H the code Z or N appears of the frow of this sti man does she smut or they an bcvrad rbaegnsu to you reglesA a claw the amen. This may resat n vvebalte at o-capWSS.en. Capital One Is a W==ay aegialmed service mad of capital next 1. 'BA- Roe Applied To," vs muhthe " Wtps appeainp an yea aemha aka yea haw 0a Rrundal Ci paamn M rifts. reserved. 0 2003 awnoe div hdrnee of such seaert by vmr - my rha>saa sae a®mr a be droned a cis remswn of capital Ors 01 LOLBAK 30581 M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to out Virginia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (51 business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 531 BDD-01 As a Capital One" cardholder, you could save up to e$3Wa year on Auto Insurance and help Habitat for Humanity` build decent, affordable housing with people in need' UbertX To request your free auto insurance quote, call Liberty Mutual" today! •MutuaL 1-888-A281-5006 (toll tree) Please Mention Key Code L325 When you buy insurance through this campaign, a portion of the proceeds will be donated to Habitat for Humanity! C'apikal ow, GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 JUL 12 - AUG 11, 2001 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $470.07 1 23 JUL ELECTRONIC PAYMENT S12.50- Paymeats, Credits and Adjustments $25.00 2 06 AUG ELECTRONIC PAYMENT 12-50- Transactions $196.61 Finance Charges S.00 Ttasm lions New Balance $641.68 DATE Minimum Amount Due $141.68 3 21 JUL PRIVACY GUARD 1-800-667-1547 0437W51 $59.95 Payment Due Date September 11, 2001 4 09 AUG MWPCONNECTIONS 800-568-23% CT 96.00 5 10 AUG OVERLIMIT FEE 29.00 Total Credit Line $500 6 11 AUG MONTHLY MEMBERSHIP FEE 6.00 Total Credible Credit Credit Line for Cash $.OD SSW 7 11 AUG PAYMENT PROTECTION 1-888-527-6904 5.66 Available Credit for Cash $.00 We hope you are enjoying the benefas from PriticyGuard. Your trial Period has ended and your membership fee has been automatically billed to your Capital One credit card. Yom membership A[ your scrvire will be renewed annually an that you can enjoy uninterrupted scrim If you have any questions, To all Curtomc Rd iom or to report a Ina er wlen -& pease pB the membership number listed above in the transaction won of your statement. 1-90o-903-3637 Please continue to enjoy the benefits and peace of mind that PrivacyGuard provides! Said Pa7mmu W: Send inquieia sr. Attn: R-i ance Pmmang Capital One semi- Capital One Swim P.O. Buz 85147 P.O. Buz 55015 Richmond, VA 23276 Rirhaond, VA 23295-5915 Finasree Charges Pk-,a re eiLiefar impro f-IIiirsf r...tion rtr. a kk.aad dPRrr 117AR1 PURCHASES SS13.411 -0000011 .00% Soo CASH S.00 .0542516 19.50% 4.00 ANNUAL PERCENTAGE RATE applied dirs Period 0.00% 40176M //??,,?? Y PLEASE RETURN PORTION BELOW WITH PAYMENT V Capital()ne, 0000000 0 5291151856361793 11 0641680012500141688 New Bahuux $641.68 Minimum Amount Dee $141.68 Payment Due Date September 11, 20D1 Total enclosed $ P1Gmrpr:ar.Jd? a6,ga fJ,w.e;;,rMar wuk ok Sum Ape e Gg Sara ZIP Hone Ph- Ahenm Phan Capital One Bank 306 LOUIS D RICE JR YORK P.O. Box 85147 306 S ST ,r. ME.CHANICSB ICSBURG PA 17055-6302 Richmond, VA 23276 ° iuie?n??ue?e?iue?niinei?ue??nn?lunilnei?urilur?lur? ° ?na?i?nel??nn?n?n?r?n ??nn?ls?luus?r???nu??n eieh? Pl- ronte).--a .umber -)-bah m money ordo medc fnyab&to 05wr One Bank -a -1i. h5e enrlmrdemrela?e. F Remember ... you could save up to $300` a year on Auto Insurance and help Habitat for Humanity, too! Call Liberty Mutual toll free today! 1-888-081-5006 Please Harlon Key Code = Inwance protlmmeds are provided ad metdwtrrWwm fry, and ere tla eaidve obgpWam tlL Llltry 11mid Imteant= Cotsoasy and ifs aflblec, 175 Geniality SYesl Ikomoq 141L ksaance Pradtcb ere not ollerad by Capital Orr a by any of ib ell=s and are not • CapW One Prot Sae-ft ab.s ad options may vary ad Tory not be wall" In all shake ApOoseft nit ine idwlly uhanveltlsn rd monro kmdrrluak aaY not grslyc You esdsion n pudtre :ruares atdym taro a r :tares an aaanf ova have ro of c m you afg6ilryfarany C9pIW One pwEmrl orlm ioe. INSURANCE PRO fCTS ARE NOT DEP0SM. NOT FDIC INSURED. NOT INSIAiIED MAN FEMRAL GCIVERNWNT AGENCY AND NOT GUARANTIF=D BY CAPITAL ONE. •Sawky. -,.p~ by tarty dour/ for ha Group S-*W Plus' N-mr. aw bred m aWasd prsairn ocatpaisas ram .Jr ammo inmr- onus Man d.ha esowd anmrrfy. Y- paoran and rNnpc will vary Group dimoiar .a not avalable In me main std may vary hY Mae. tCapbal One will Oonas b Heblm for Humriy 4aanafaal 5X of ins gross reverse A roars time lberfy aft" for US. sales of new personal fits Ytatsaas ptiris generated dwitto this ompalpn and pd to form d e v ve wr plaw zrim so B ilm. By recpondiy to IN, odor. you may be mesa ettev imlorrn.ipn abed yousmd to Or ss4ayar it-des fit podad-(a s=plit. that you all a eaplbi pr omaree Caplet One, Is a federally repsfaed save= ask of Capital One Fatendal Caporaflm. AN aims emann ll. 02001 Capital One P-al Corpaalm 0 c o O m N l ?? T -W dally t. b lanccerit the y, bdl.me M edit epnea morel= da .eel any navw I r eor4 m y:Ld" ,and .rthlacl anry P'Ilm - or c as. as tk ode N Ppra on U. Mortal .1 'N. P.A.dic sees. 8 statement nm r'Bmlrna Rae Applied To: we err autmraG amp rat*id antaeS drnfe idtdsd in the I- of aasih forfeit) Tlie pus rs the dNy l dance of each That, add to ail the dam balaner for "Ch paiae & 4 bit f Period and 6vi6 by the toW ntrbar M arye ha tMe biry porioL This p the lo the ..map east, kakrtm of toa t mfg, Tit 3. Arnd P'atabye fesea IAPRL a. The Sena "Ad Perestape (br- way appear a 'APR- on re /s A this wait=.[. b. N mba cod. P pi W, L 0- UBOW, C (C.MSmw of DepoalG, r S pssoM Pd-I appears on rte Iran of Via int=er win r as peeodc 'meta, as le tart see ca.ampateam ANMIAL MCIE. AGpeddE RATES mte at.sdia@sa, rfs.d itTAe Wad' Srmsbased .fo+mmiC pier this -PmePaw,=Y dadoaed to you nose tlta.)?m war as llmcttw m Tice amt ay of yw ttris Jsury .bid Oast s c. If lba tat D Pad, F (1 yto. LIBOIB w G 13+m. LIBOR YyisW fdorMdyl appaant m the Mat of Your statawar am r tfs paiodc arW, that pedode rase a deeredaata mrmpritp-'*1 PERC9ifAGE RATES may .wry utYy ar=il say frtae=V=AGE as based m the tamed irMm ` s bud im TAe base Seder J.-C plea the etataht p.erdy dreord w you "flrx wnges wt ba .llamas m err its day el ysa 6iirrp paid d. Aa.mumar alf salsa. 0utsfial amen Rawaned Pmymrt I-. --ft ---ft yw .=atae w• be are.sd ne rare ow was m lba fees li=d hoe /bls mar=t ddrtp arty airy pedoL IMder the tams of yes os.saan agneeraant, we rrene the right to a net r eras arty Ise. wifru pier nodiotim to yyOoYu wan=ts met daft at arm the same or similar fits at a lrrt! 5.tRanawha Ym Aran.ant N a -.&-hp be appeals an the far of tai .atemant, you law 30 =from to der skis settlement was raid at you to avoN p.yba mks f! r r baw much kit oadtd to you if yin tarsal yanr arcane Duke Shia gratin, You may rarehs r am ymr aa.Lee whirl bavkrp at bay the nsmabemalip /are T. amrsd Yw .orators, you inter notify r by raiq ell Case osrr Rd.danr Depmm?aa and pay yea -lbw Balwtoe' h kA leuludrp as rtr.bsmn. ksl emir as as and a the 214sY4y period B. N Yana Came Y A.-A Ym tan W M so dose pee .ltaat by ? oe Gmmtsr Rakdori Depeaaans. Ym.as na=ry par mn* molls) .d anxar eras Ar.dr, ta=d ail powMpd:d britg, ymr.oosree M yin ub net rancd and mere am prewdts M-44 av-Khots. m r o reapcennyM-44 of . • draw ywe aalntzstim rs p t¢anL Ad6ae..ey yane accrmt ova b be cad trail Yin P.? rra aasarm Yo err r ktdadt4 attY lansamaiai yin fr.e endrdzad, fwce drryea,adwin .eder boa acerb faq L r I pages d fits.6- its w arty atlrr team ar=med w your actual. Yin err aealanrDls for he aarouts uest nthoeyr a cis pp- - .mas sat a Yas sttsanr m he owe you rgem mo t= s Ury err :trod .ubr'Vtr. to par ngwm r date der aemlML Thk may rWt in M=w t hr Wady Urn $Tom . For etormpie, a pumb- from a merWm and we nmaiw the uni saoar 6- the madam aft. your ansa.a hit berm dols4 Yom laataa will be meopend, tlme .mar=t el tfs dsge Wa ba lddeE w your acoun, and yw ova ba rtrrpadbie for pymtsa. If tltsre k s to be ctergatf, fr b to t you aecaum. the lee wN lung thth to be bd eaaa all by law, oral the accatrs b.l.rtoe hr agar paid id 1. h fill def ail above. 7. used damn -a any or accaoa =whoa be used h connection -a awry Ytenhat p.marnp tronsmionat. 9. Nlsice Abort ayatOtaek Lanrrans i t. than you pmvede • er it - P ans, Yom .tinalm . m arse-eldtker to m tekm.iam Payment, from 6 dret to wake a m ese t iW ta ar rn a Vo fain you hank acoua a to proesro=m the paysas a Chick t it- Votar rans-. .me - Yawn we electronic had . foa?fods -my be -ddown I- Yom bade asortre r amt m Ste sa=te Ny hw titmice yw g?rtansa'al im?ni..ias racdw yore duck bank trap BILLING RIGHTS SLIWARY (h Can Of E cam Or Otmias Abaa Yost Biel R yo sink yae fi I. -rang, r H you need mad infomatm an • Tom aeim or bill, woke to to on a saparms duals at ram as porible Aar adder for Mwaae at- r the fro d it" statement. We must hear Irem you a hater tan BG dtryt triter we sera you the f'. bill on .dint da: mm r poeble. appeared. Y- inn =tl oar Ctw.mr Ralaians nwmber, 6u doing fo wtro net krfomafors y.u rrwahaard rt¢pn namntba, the Adlo arty a=we of dr aapod errr, a demilaim at the error n door, or ?H?k N f mWe. of Mry you bdiew them i a s you reed sots iaoae . decision of the Ftem you .a vale Woe. Ym do nm baw to pay any s=mut ih gtram will w an krvamtf•tkt8 it. btA yin mM ebg mW r pay the pans of yw big that am rot M QlRaari While we ha.aag.le yw pel=t=, we cannot report you s ddrgtets r take any .talon w oleo the motet you Tested- :1 Sped.1 Rule I= Can& Coal Purchases If Y- law m Pnobks with Ste qL ky of inapany or _M- this yin podnred what a rxds and and You low tried in good fair r correct dw pobla , with the nnerd,ea, You tmy nerve the dgk not to pay the re nainng own d- m err prpoey or .mikes. You taw ti. Pineal= oNy whin err pWhas grim wit =one thin f 50.00 rd der p.drr vas .rode in yw home sae or within too mfr at you marling .dints, M we non or oar rmhi?srseets a N we aMd You The for 11. f m oval rrpar I of amount location o pwc .s.) ukase rerrtenirer w nip= as cwnrpwhderwa. t Does sat +ppry, b e.rrarr --off card scmurrs f Does doe Wr ro A-- inn-.rill[ -d .ceanrs Capita One stopoete bdoe m.nion P Vacv Protection: see w v ebalte a www_opitalstetam. Capital 0- itt m9liatened ona F --.1 Conpoofdn AN d" ma-d. 2003 pkal capital One OILGLBAK J 'a. Grace PwieL You will how a nrrYninman == 25 d•p wethea farms Wry. aw balance vrri.a, raw, .p.oat paella- arw raw otter oh.r f.e it yoo M yam total 'Now Bal-a', in aCmdrtm with Shat ineort.a Wilm for paynam. below, and h time for h w ba cwdtd by Yat• tenor atatemert data np Nor. Thine k ro . pitied m rah advanrsa and •P'cial t=ries. h .ddnton, harp is ro gram passel on any lr.ra aion if Y- do nsa pay the Coal "New bal.-." b. Atrwtnktp Ram. Carp. Trasaraba -lath arts roe smbjeet ro a farm pdd am assessed fiance large 11 from the dine of der varsaafert or 21 ion as time filar v.mnlon k paoeossd to pr A®rn a 31 Irarw the gm cahnhsr by a err nam=e hairy Pertad• Anlafiauly, if you del rot pay tba -New Baba' from nit ptewietr dtlihp pdd h tl, ftwrs drrys oaks. w atxns to yea ? h.Wce usA as amid belare s paid'n full. This you ouy .tai owls late= drrys, awn II yin PW Ute aralts Hea+ BWnaa kdicaad m are Tran of your sutemant by Yee ma matrrwt d•aiary d am, b. rib. d rot do r for ms paahiots mach. lace= inemmm wrpr as addd w tla apploble rpsr[ of yw Atrauuc t c. he:tiarn Rhrw. C7vp.. For stir blimp peril uh.l l? NNANCC find force naery. m..NGE reMkrp of g treat w tba applilion of val amt of as tae periods r skit Than 50.5.50, we will ll apace true amass ft. the 1n0.50 mute=r and sat diffinence, will be billed w Tine padrse -g- of Yore a¢. td. Trpanry R.beian. it F change, We seaerw the right w not arms any or me fisnse nharyr for arty given hilhg 2. Avert" Bahr. Ik ir6rp N.w PrdreesL a. Fine= drr¢ k olailsud by inthiplyinif; the dally balance advwrs, Wda•e, spacial vaster, and •P•oid Palos) b; lba tanmpwtdirp r1Ny pAs"a_rW ace its bar [piaihe NinpY pedimlossal rod, oval day Tier ddy pedoof each do dc rate= sepeaai of yap aPOOUt o the IWrI= of cub . Thin a Tice eel d the period. ova rid tp The nemttts of tyre d.lyy mlcdm came to arrive m your p.iodc infanta dh.M. br rdl sgmant. We .rid to Tim n=ets iron each aapnm t w .new a der mat pmrodc M.m..s daW fa Yw sews"'. To net the dNY baance for itad, tWanoe 1st eadr of yore --u , ew take tit. baDlmfap tapmant and add army raw lrarmtatws end wry paimodc lance dupe calori.tmi m Tim pmvtws days b.lars tot Tai spore. yYe theft attiam any paymarr a aorta. pored s of art day that are alaaled to lhul aepmsa. This plum r the sap.me daily belmce fa each ..D- of yw astaut. Ffow.evan, if yin pale the New Balance dtsaw m your ptedata amermrt km kA W If yw raw balance was Tom or . taed't arrra.q, new tmwntas +kh pmt- your pu imse spacial Podm.s s9tttanr as rM added as Tits daily balaror. We calss.t. 0..vaage dally b.lmm a by .dAmry M rlte dally balancr loUW- and dvtdnp the sae by the writer of the day. h The aeraa billing cycle. To malaise yarn tam fwnce dh.rge, muhiplyy Y'u average d.lY balance by the dart; P. roe ad by err naaMer a get:" ne hitlenp peril. Due 1. -.11 nor m a dMY bass, thbe a sight vedmmce between Oft rdatmian and sm amenmrt of in .nce If as rnde Z a N appe.a? lore a aria maremae IT. rr%I w -Brhance Rine Appid To; Nor mdnply the 40176M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, end vmff payment is received in our processing center by 3 p.m. Payments addressed to our Virginia processing center must be received on a busaeess day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.rn_ PT_ Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment- FOR ' , ' logo ` , sssemo-ot ??__^^ ?i-Cm CARDHOLDERS Q _ '?' V / Try this new THINZYME free! 0o w ? d ft d h ? ary y?8 Try new THINZYME AS A p QA A? IYs a gi irs wort s 10.00 an to you wi wut any charge t h i l b 4 d w a soever as a tr a mem er. F REE GIFT ??EADUANLFl11NElGMLOSSSIIPPLFJNEM ' ?jf?? " Losing weight never felt so good! ESPE LUlY FM CAM M ONE` CMWHOIM ".PEW • Brae Fat a Inarase Enagy • Fed Great' ` r LOUIS U RICE JR TFIN1!7?p?F Thir¢yrnq t9flvt mnl6inad rN711 a serts8t(r nran?ard txatise pkm, is - 1r' a,"' T` • / an adsmtori taoigAlt las pmgam dnebpad Jot rtxLdlydzfrtg marrbdam' ' """"""' Mail your personal certificate on the back to get your free gifd Tty ft for yourself, FREE. Irs easy! just sign and mail the Certificate on the other side todayt . •Theu s?aume bem edLV-a sr iood trig .raaom. Thk pmdan 1 I, . naj mended to dlrgnose, rrexL curt or prereor any rqd wu For fastest delivery of your FREE Thinzyme 30-day supply, call toll free now: 1-800-55 7-2520 ITHIS TOLL-FREE NUMBER IS MR THIS SPECIAL OFFER ONLY) OR ENCLOSE THIS CERT FICATE IN YOUR CAPITAL ONE CREDIT CARD REMrrTANCE EldVELOPE bmmo..errr No. ) B D 9 Capital ow GOLD MASTERCARD ACCOUNT AUG 12 - SEP 11, 2001 S291-1518-5636-1793 Pagel of 1 Account Summary Payments, Credits and Adjustments Prnian Balance $641.68 1 17 AUG O%TM IMIT FEE ADJUSTMENT M.DD- Payment; Credits and Adjustments SS4.00 2 20 AUG ELECTRONIC PAYMENT 12.50- Trarsactions S48.97 3 MAUG ELECTRONIC PAYMENT 12.50- Finance Charges 510.65 New Balance $647.20 Transaction Min'anum Amount Due $14720 DATE Payment Due Date October 11, 2001 4 21 AUG PLANPLUS 800-527-7557 08/19-09/19 $8.25 Total Credit Line 5500 5 23 AUG OVERLIMrr FEE 29.00 Total Available Credit SAO 6 n SEP MONT14LYMEMBERSFHP FEE 6.DD Credit Line for Cash 5500 7 11 SEP PAYMENT PROTECTION 1-SW527-69M 5.62 Available Credit for Cash $-00 At your rervitt To D Catomer Rrlatio- or toreport a It a aol- card: 1-S00-903-3637 For See online .oroum .win .nd span! artt- oSas, kS on to: wa?w.npii.lorKCOm Seal P.ymerb I.: Sad inquirin to: Ara: Remittance P-.ing C.piril One Si- evC.T;,w One Swio. P.O. Box 95147 P.O. Bw 85015 Ridrmmd, VA 73276 Rid-d, VA 2322S-SOLS Fmz=Charges Xwe"rerxnesidrforimfwft dimforn.&i pl,o,& C-=11T MR PURCHASES 1633.14 A5425% 19.80% 110.65 CASH S-00 .05425% 19.80% S.00 ANNUAL PERCENTAGE RATE applied this period 4436M V PLEASE RETURN PORTION BELOW WITH PAYMENT Capftc3l0w, 0000000 0 5291151856361793 11 0647200012500147200 New Balance $64720 Minimum Amount Due $14720 Sam Apr J Payment Due Date October 11, 20M Ciq Snu ZIP Total enclosed E Hme Phone Aheraue Phone Capital One Bank . LOUIS U RICE JR P.O. Box 85147 306 S YORK ST Richmond, VA 23276 MECHANICSBURG PA 17055-6302 Plena tithe your armunr number m yore 6=1 or money order .sakpyable to Catdd DueBant and mmd m the emlared envelope 19.80% r CErn FICATES ISSUED By GENERAL VFTAMtN CORPORATION TO SELECT oRGMPJtT.pt6 term VALUES or S5.001 58.30 AND S10.00- THIS CERTIFICATE ENTITIES YOU TO A FREE 30-DAY SUPPLY OF THINZYME (a $10.00 value Plus, you automatically will be enrolled as a trial member in General Vitamin Corporation's vitamin program when you accept this FREE offer. Yes, please enroll me as a 3D-day trial member in General Vitamin Corporation's vitamin program and send me, at no charge or obligation, my free 3D-day supply of THINZYME. I understand that, unless I write or rail to cancel during the 3D-day trial period 1 will receive a 9o-day supply of the same THINZYME supplement every three months for only 529.95 plus $3.95 for delivery. This amount will be billed to say capital once credit card account I understand that accepting my gift sample does not obligate me to mminuc and, if I wish to cancel my membership in the program at any time, I can notify General Vitamin Corporation by calling toll free I-8oD-323-84M In any rase, I may keep the 3D-day supply as a gift Redeemable exclusively by: LOUIS U RICE JR, 306 S YORK ST, MECHANICSBURG PA 170554302 Account Number. 5291-151&5636-1793 CARDHOLDER SIGNATURE (valid only with full signature)- I authorize Capital One to forward this coupon. which includes my account number for billing purposes. on my behalf to General Vaamjn Corp., which provides this product By responding to this offer. you may be communicating information about yourself to General Vitamin Corp.. which provides this product-for et®mple, that you arc a Capital One customer GET Yom FREE s moo SAMPLE FAS77 CALL TOLL FREE 1-800-55 7-2520 ENTnrLEuD4T No. OR ENCLOSE THIS CERTIRCATE IN YOUR CAPITAL ONE CREDIT CARD REMfTTANCE ENVELOPE 1 B D 9 This offer is made and vasrtsned by GVC - General Vitamin Corp., P.O. Boa 1500, Chapel M1, NC, 27515, t-WO.323-6482. General Vitamin Corp. is not affiliated with Capital One and is solely responsible for its products and sarvicas. 1 ¦ulhor® I;apitai One to forveard this coupon, which includes my credit card amount number for billing purposes, on my behalf to General Vitamin Corp., which par rrdea inn product. Capital One is a federally registered service mark of Capital One Fsnaneisl Corporation. All rights reserved. O 2001 Capital One Rrouncid Corporation. °o 0 c O - Q ? being pafod covered by tie assi.eas, vie sake the bagisirr f tuds- d such - er sotto day. add any new trewacses n each eeprrhL and summa any payments, or ctedic M The mda N api The loon of this MME. nm b -galas Rise Appiad To, ere Aso sAnma ant u poid Erin dea- hrhded in the balance t e..h sepen.) This gases as ran doer balers of each segrhhas. TrhM. we as rp hi fe 41,r brahms ton esit sport 1d des btl9 pesos and elide by Tr isT raanber d drys in th. e boiling peter TIs Vaot sac the rage door batsrhce of aahlh spasa 3. Amur Proardega Bass IAPIa. are" appsur as rear 'APR' .d * 1116 Erie d a. The tan . 11 d .1 the emission, h. H tM e els P 1Pir ke L a PdnLOORL C IC f see owl a S A pp th. e La s. a , s o1 ,He 1 FNS .nalaa h nrirath PEet on the ANNUAL er1y, es P.*,TlES min and AMI, P6 or RAT Very eitri, rrhst the need nnific s, as hrod cho I. w >si f vaW d seen s e based on des Trig as pTo you. T These a Plse ens atrgin Weft rraireely _ ufdord a y Th "we rri be etle one Era dry at your in it he ending .hoary. APrg. Ocvb.. c. If the code 0 fPlsid. F 11+e LMM or G 13-rno. LIBOR Rapdmd WrsNyj, ea6 Ems of your op- r and epondoq ANNUAL P AGE RATES nay vary nonsidy, and my lone or decisions band on the Mad I1 I as lwad in As wad savin-4 neat phi she nagiri pariwdy ducLad a Yee. Thise tAangee oral M .naive M the Era dry as your sing pedod each unridi. a. A.saard a Lae.. Oeeidc aid Regional Pryrad I - Your attar ei be gamed rot eat rho tors .10. fees good Here her pons I ' sty brTeg pedpd Under the tart!es d your oonrhar agasard_ er worse U. rigti to A ere rroe Ta gam any Tae tiedW pe radieetiontt you vAmout Waring our right as sera rm taeae or sinikr fag n a pert bait 5.tRan. V g Your Asousid. H a aseaarip fee appears on *w bon of this Warm. van bare 30 day. hen the riven site Wired wag n.dnd a you to avod paying it. Ise re sa haw such hoe aWrad to you if you coned your arses. Dtaag ale Post4 you may cani tat r use phr a couo rhara Indtg to grey the -*.,a* lee To aid yes aerial, you near roily is by rairg our Cunrnr adute s Department nd qy yav caw Blom' in m larg n11s -.bee.* tots pier m the sd d the Wit r d y podod. a. H You dose Ye Asst Yoo has reset so does yyorore ecomnt by eaag or naa.a Daladers OeP.ment. you tern delay your .otda uodvi and account Donn dicks. nerd 0 p tiodrd big, and Cass ye a?hae. a you do ova ahd praaurlaiitd s .;:: sc. toe ri aeridar i.ap of . dogs your Terlnirafaw er -"- yore .ccoua. AdddraRY, Visit amen eW as be dosed .nl you piy oo araares Vou awe es iokndrg: any irareactioos yon haw srhodred, Finrhm derpe, pan due fear, -A ink Nis. tired prysese /se, cash advaret I- and try other save +.s it in your acmes. you as ssePaasale tar am= evoatc %invou , testy appear M yae amore a Tot one you reyuita in MOs, on accorn re evil, a icnied a4agran tv you mgna a dos evi accost This my anti in udh.rrles appearig on your occurs altar you how _ your accent if It too already bear closed For emo ple, If you auderind a purchase from a incident and we reoeirre m trasoclian tram tha mescharo to. your amass has bear closed. your accen uA be rvpared. the anode of 1. charge wi be added sa your accau t. and you wen be rePad, ,e for print H these I. a mentheatip fee for your amore, des lee vA mntirwe =d-=. o tha etoar pig by l.rv, sass ee lus !min paid in hd n denied score. 7. Using Your A.-.*-Y s said or amoad rJlrMl be used in mrmeahah wills any 1.~ gambling larsectbrm. e. we s. Abets 6rbeie Chick Conversion. Wt- vou diet as paynnaa, you aulo¢e us eider to provide . n.e infonalru !rare vote clack Ta Mks a oraii n, elect- lead 1ra1Mle, from your bed[ acmcrs ot to process the payrrsea u a Mundt tnrsaeriar. when we use Intermit- tern your Bred to make M at-- kind trarakr, bards my be withdraws Umm your, bast acatnt as war as the sasvi day we nceiw your pymert, and you wne rap i- your Cheek Melt fren your luraial ihoninra. BILLING RIGHTS SUMMARY fin Os, Of Enos Or Queries About your Berl If you think your bi k reap, a H you reed mere inionralrn m a tranneion or bin, wake in in an a separm their As Doan se possible n he address for MWIles shown on the front of this Veterans- We Trust hash from you no him than GO days aher vie son you the fin big on which the anon or problem appeared You urn cd or Customer Rdniora n rnMr, but doing an ova not 101 your gigue. in your Ie[Ia, grse r6 ea lolbwsrg adaohr a of t you rams end sawn n If ion Uns dater n. If I arse, a dQaipaion el the error snare o the suspected and an eplan d e s whom ur i innd you bafew them fc Ina; or if ym N ou tied a description of rte hen you son useae abed. You da not Mrs t. M any amousa in q.=:-- luenton wllge r+e am i nmmiPing it, but you Jn as obligated la pay the pins e1 your bi mat as not I. gawron. While cam Investigate your qu aeon, ors cannot repm you as deimglre or take any action to mhp the .moue you Vuounim. t,t Spadal Rule For Crack Card Purchase; If you how a problem hvith the quality of property or services thin Vou prdssed with a crack card and you taw triad in good Kith m area to pmUm with the ..ton. you nisy true 11e rith's en to pay the wnaicimp man due on the property or senisas. You Mw thi. protection only vdnh des purchase price can mere than 1,50.00 and he V dra v.. made in your game nag or trlthl. 100 elks of your mairg add- Of we own or operate me raadues, or ff we invited you the d-fth email for the property re Omen. oo pudaxs C mwred regndeai of arnlwla or location of P-hase.) Ptome rememMr to sign oo mneaprrece. t Does not apNY to mrtaner noectedr cad -0.9. t Does not sppfy M busies non-cradt cad -IT, Capital One sppats Intimation pdwcy protection: see our v,hv,v.cepiulorvi.cem. webrte in Otis FruM.1 Car?0 i A?emr,We. gases rredms 2003Cs?sl Cephal Ose OI LGLBAit t e. Gnsu Period. You wN here • mi gram pi ins d 25 days rdsar finres drge ea new prrdrs, charges hs, rrw aR pradaeea and rrw odr charges If t you Yea pay your toeal rn -Nine Brame in dttrdarm win tee 4ponas "e at sseas brow, nd in time for It re e to be le se grace p oee by ad piefind! Your i ate nataea Coskig data. There on orb adlereot rd speed /nr,afaut in additierr, one, is ro grace Period on arty Larvrction if Va. des rte pay it. mat 'New belrnce.- b. Acxrvup Flares Charge. TTaeooies which an nor is mr ew dine of v?asacian W des din due ) ,,an ...inn k promoted a yes Amoco or 3) fcen the fits calendar day of fie users s+iag graded Addikeolly. It V- 6d ro pay ea -RSw Breen" Eras ere pnewo s brig period in RA. feenm drges ra niue a arena to your unpaid balance W dhs read balance I. paid in led. Tfis meats that you may an awse rose changes, even if You pay On anin wuo Breeh indrsred m V. hors o1 your do so farit. pre?Mwus --sivestiount W Unpuld 6- chbig did arges son added a tM appfr1le a igeon od Vote Account t c Minineaa 1- Biagi. For each bang period Oat your accoutr k ntbjeo m a from deeps, a raalemer tad RNANCE CHARGE o1 $0.5D si be inpa..d. H em Taal fosrm Muria saidrg lass the application d your periods ratNs) o Aires trh SO-60 w ea7 s btim it- amen hen de $0.50 rn- ' and The tifleence wgI be Need to tM pxacMse hepss[ d yee. amauar. t d. Tarpaary Redaction kin F dog W. __ the rigid a rat asst any or oo 11- darges Ion any giver bigirng poriod 2. Aveege Door Ratans sinardeg lose Fu dasotl. a. Fins ctsrge Is eslosard by mWdpyMng go dry balarrs of each ing- d ywr account (e.g.. cash er.ree, purchase. species I-Ml , and Wicial pure aael by the corresponding dory peiI I Taa,1A eon too been p ypew to Y~e Tow anif door puristic even Mebs sefpnra of Yes acesnl toes rsft? Wrm of each sepnsut. Than at tha si d The ftianB period, ae add up the Haut: of dcese door calculations r ssdue a your Periodic lance Chow it. such segraat We add hp 0. nouns Iron each Topers s, Mere a The coup periods farm Miarge to Vmr a®rrs. To 0, the dooY b.h.rm and sud1 apnsre d Ysr'cem e, we Take the beganag NW periodic apresn ad Ertl raw trot PN4 did ahItem Berge ea a it- M tha e pprtiioha eulitroo d.y'a balance for dot npnrs. tars rhea in e ioarltf ot aer Tho graded as .9 Ter by Iton offiecourd To y bohnica to it. . This else in the separate e dher each ingree al apes d you re?_ loowerer, it it you poid ad the ap New Balance shown on Yes peeuis. asaimrhaa in can zoo er • ash lull far aaanl, rleav if your w balance tnwctbn wNdh poor a W. Phndls a apadr r?mkte The ?averraageas? bToldhad slarsTa byaadddolly ing ag evibala we dely minces topeftar, ad d.idig the sue by des racier of due dye I. dine omen bang cycle To calculate you tosal daily pedcdcc me auhiply, nd by Ta a? er isse6 daily yrs ain " Wig period Due to r-TT. g ona dooy Ms's, eon ray M ¦ dt/M wrinm baweM this calculation as The unions of frrerce Marge aaaafy h®sd b. if the code Z or N appears an the fed of this smarr ent rota a 'Branca Role AaaW To.' we retsripty the 4436M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT_ Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are hllonday through Saturday, excluding holidays. Please do not use staples, paper Clips, etc. when preparing your payment. Eliminate Monthly Cable Bills! Turn Your House into The Ultimate Antenna with POWER ANTENNA Just plug your POWER ANTENNA into any ordinary outlet and watch in amazement as your entire house tums into a giant TV reception station! ¦ See crisper, clearer ¦ Easy to install and tune local TV reception ® Uses your home's without cable electrical wiring system ¦ Plugs into any standard outlet ¦ Picks up weak signals, even in rural areas as a giant antenna ¦ Includes coaxial cable and 75 to 300 Ohm Adapter UL L619d. Maas n china. Dimensions appmxkre" 3i" H x 2X' W x 1' O. Capitalow, Account Summary Previous Balance $647.20 Psyments, Credits and Adjustments $209.95 Transactions $47.53 Finance Charges $8.63 New Balance $493A1 Minimum Amount Due $15.00 Payment Due Due November 10, 2001 Total Credit Line $500 Total Available Credit $6-59 Credit Line for Cash $500 Available Credit for Cash $6.59 At your service To oB Clntomer Rdmioa: or to report . Iost or .halal aed 1-800-903-3637 For free online accaam ravlm v. w,v ihlolle - a and Ip." aletonler a$ar, log m to . p Satd P y-u m: Sad inyailie to: Attn: Ranittana Ptomsing C.Fit.i One Sari- C+Pital One Service P.O. B. 85147 P.O. Bait 85015 Ri hmond, VA 23276 Rkh-d, VA 23295-5015 No more rabbit ears, cable, satellite dishes or unsightly antennas Before After Uses any standard outletl For peak reception, simply slide convenient tuning bar. GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 537200-o1 reception so clear rou won't believe your eyes ._ without costly cable bills! 1SY TO INSTALL! plug the Power kntenna into any Aandard electrical outlet ;imply attach the iuxdiary TV cable nto the jack kdjust slider for lptimal reception- Special Offer For Cap?"Cw :ardholders! SEP 12 - OCT Il, 2001 Page 1 of 1 Payment., Credits and Adju_atment. 1 13 SEP PRIVACY GUARD 1-800-667-1547 #4378051 $59.95- 2 17 SEP ELECTRONIC PAYMENT 12.50- 3 22 SEP OVERLIMI'T FEE ADJUSTMENT 29.05- 4 24 SEP MWI'CONNEcn0NS CREDIT 30.55- 5 2,4 SEP MWI'CONNEC170NS CREDIT 6550- 6 m OCT ELECTRONIC PAYMENT 12.50- Transactions DATE 7 19 SEP PLANPLUS 800-527-7557 09119-10/19 98.25 8 19 SEP OVERLIMIT FEE 29.00 9 n OCT MONTHLY MEMBERSHIP FEE 6.00 1o 11 OCT PAYMENT PROTECTION 1-588-527-6904 4.28 Finance Ch ges PAa "rerxresii?dyeof- imfoRant iaf2;r m- Bd- l as APR RAVE PURCHASES 5530.47 -05425% 19.80% 5863 (ASH $.00 .05425% 19.80% SAO ANNUAL. PERCENTAGE RATE applied this period 19.50% 473995 V PLEASE RETURN PORTION BELOW WITH PAYMENT. V Cap"alow, 0000000 0 5291151856361793 11 0493410012500015003 New Balance $493.41 Minimum Amount Due $15.00 Payment Due Date November 10, 2001 Total enclosed f 1 :1 Primp.;,l,rdeo-roAd--;,rbi.-41,loti k Sin ll Apo 4 G7 S- AP H- Ph- A]- Phone Capital One Bank LOUIS U RICE JR 306 P.O. Box 65197 ® S YORK ST Richmond, 51 23276 + MECHANICSBURG PA 17055-6302 IIIII?IIIjI It!I ljl1111l?II IIIIIIIIIIIjllll ?I11!?Itij'111"IIIj ?IIIj"111'j!Illfilj1111I11 if. 11.1 I'IIII If. Ills III 11. 111 pill A- wite1m ormvml nmubaon y-6,d w money mAIr madcfryabk to C t-W 0-B-i and mail in ae endoted a elq c 1 Special Offer For CapifalCW Cardholders! YES! Please send me the Power Antenna(s). I agree to pay the price plus shipping and handling iInEliCated below. If I am not totally delighted, I may return my purchase for a prompt refund of the purchase price. Pliee Each S&H Fat3t Qry. Nam No. Desaipliort 130505 Power Antenna $19.99 $3.99 Please enter your VISA' or MasterCard' credit card nur bar: I? I I I I I I I( I I I E7rpiration Date: Monltr: LIJ Year. II I Cardholder Signature Raw a* - - s I authorize Capital One to forward this coupon on my behaVID United Wrtubig Group LLC who provides this product. Please allow 4.6 wells for del". Offer good Santa supplies Iasi. ® 2DD1 United Marketing Group I.I.C. P. 0. Bas 599, EkMarst, L GDl2610M. For inquiries, phase call BDD-399-Ml. 8 O O N Name )Meal Mill City, Stale ZIP Hare Phone (Am ced6) E-Snal Address PAW year raft addrra b reran. rose dfers and retmea.) 02DD1 Capital One Serail::. lm Capital One is a fedUANY registered servbe marl. AN rights resented. The merdordise featured N this brochure and the Wxhure Ilse are offered by Untied NWkdM Group I.I.C. an Independent company specializing In mall-ordr sales and not affiliated with Capbd One. Capital ore does not provide, endorse or guarantee ay product or arnica shown here. Unlld Marlmkq Group LL.C is so* responsible for this offs pLGroupLLCC whir provides this Product- for ommple, that you aam a Capital tim about OYourself In Lindell Wketaill ne csmnec NE-1N32 1WM Ustah and refer In yew Capital One credit card paymerd envelope. 56-UMG bepirrinp bal.we of each it awal each day. add any new tr.rraevos w _Ct, wpnwie, anal atLaaa wry flavor or voce. IN the Cade N appear m d. tart d Site strnnmw nos to "Balm Roc ApprM To. we eke aLtsa any upal0 fe.hce drape im¢idsd 1. the h b- o1 each 1 Tth Vw el Sea deny bd- of Slash Then, we add hq am Ur balaraa for each nm?mbr .11 days inn dun Gina Period- Th"s of- hr Ur vatope daly balacs d each report. 3. Amaml Paeerap Bus IAPRL a. Th. was "Merl Peremape Rae' may appear as 'APR' on she from d dos ssrhrwe IS. 11 mho code P WA.d. L 0-mu UBOrO. C 1Csdaeas d DodU?a IB.rtlydm Pdaw) s rowrrd 00 Saft of i ep the pod d. noes and mnSlspohdhO ANNUAL PERCENTAGE RATES - wry quarterly wall ? M Th. WIF based m the MW Settle e Thse nihrplos the in-gin pramilaarly hps .0 IS. ri m disclosed Star e day So yraL Vas bYlinp Pried towed by your pedaft sussan eahdnp in Us mnords Jewry, ApA, July and October. c. little rattle D ptkee), F 0-ame LIBORI or 6 0- UWR Regaled Madly). ppaats on on from at war samat fro to the Prmrus rot W, the pedohc miss and Car "am& ANNWL PERCEITAGE RATES may wry madly and Sony hoses or decRaae based m She rod baditam - Lssd o Th. Sava Salt J.-4 pit. the =San p.V-Wy dsload to Val Thole dshpes hva =San m tha first day of who bMq Pa40 4. Aa ma-m t of Let, Ovrl It ad Rwaed P.Smo t Talc s Yam solws ova be aomd s rate aloe two d Shot feel had hear that acv dosing airy bald; Pelted tide, be ,vas of Vwr asrrrr agreement, v e helene tha tiyt to wNw or nr to apses Saw Isas widen Pd noli so you with tot vvW,&v w data to arses the seat or -.1. feel a s lash Us- 5. fRaewbq Your Aarwn. H s manbesip fes apps'. oo the Imo d dis swu sew. vie taw 30 =ft. the dare this rohrt ace mled to you se P.V^i ova Ilm or u bew such M cnsdud to ova if V.S. rant You asap. Ohaitp war Pedal. Yha aaaP mvid.a . toe wart asst pdwou haahtg to pry sha you Swan memberetilt Ise. To concel year ti by caig ace Cost- IYO s -ions DDepanest s =pay dws' in fa Iarludemg dr ohmfieto She and d U. di ry-dty Prod S. N Too Closs your Asewaw. You s topes[ W dos yywwnrt acoom by eaihp our Crsonr Roldwe Oey- You ass destroy 7p==d. ad , wol IS=, accen aces d.d. ra a alt you SSwq, . N yw do m curd napmsr;-w o v c oo • dope your all n m oaper, ptn war awailyo. /y. Yen ap u xwor ors -m n , noS W dead era you Pay Pay .@ s ra due a s tome aw at md an Sarked, firma pea le Charges. ayva, Coal, ad is, o o der and anfeel. her few ast-se as a your ad- ad- is y ahem gel how eve wa floscan. Y-.- acra w t tun Show Rema ras e appear m your m arson S teas y- ou nwit 10 to dose She vivo or coy ore urnn. as This way t0 your re4h W to dell the atxat sy result at Wits a ppeltig m year acxout_ alai you have _ your sCor.w it IS tat almeldy beoo Closed. Tor lC anpe, H you adritd • puduse Iraq a well. oral erne receive the SlawaGirh from the meeWnt after your ancuunt hs boon * . V.. arswwa ..ill be moprrQ the amen of we Wmpe ova be added to your aQD.w, ed you over be aesporrWle 1r P.ymhn. If these fe a mmabamalip fee for wr augurs, Uhl lee wit culls. So be ch == P_""w1 by law, ura do aaen =6 od In ISO n deirrd above. 7. Udhy Yea Attwsw.Yas mid or accltal ca aft be used in cooacdew with arty arena gamrirq varraakee a. Notice Aber FL latmic Crock C ...r i h."you PhaNda drik as Pay--. yen aWrritt el am- to nee khfesaion Imam your duck to mar s one-mks efeetrwhie Rod usslr ham Vats book a- .,e pmoeeas Ume ppo.ymrr an a dock Snrsanion. Metot we tl Inlematlm Am your duet to more art Some fold trader. kshds may, be withdrawn Iran yaw bank arrant el nom _ the same day we Seceiw yam payrsm, ad ==N m reraiw yna Chock Wok Lea your esrdd an11NG RIGHTS SUMMARY On Gee Of Esem Or Queriar Abou Your BRU H you think your bar is wnehg, or If yam sad ore Womrdm m a Stan ..f- or bar, -he So ism a imp area (heel as even at pos1- e M the addles far wmpides at- m the from d this seam. We must hear from was s lair than 50 days aMr ova two you the is bar oo Mich She sawn or P.Mars appeared. Too ton elm Chatotrr Retodos wasbr, bd doing so vaM rot Preoerve wow miplrs. h yen Matsu, paw el tha tlowirig hnloms.1 you rhanr sal oRwd rhumbsr, l tree asn d dhe sm. 11 arr. o descdpdm al the m ammo all m ea elt t, if H v a ponort or you balkwe fro is re pay of m error, a you sal more inlimalmort. ra • description the tan you ere aaeSame abokrt. Yott u do da rot haw t pry arty in a fe prsdm avail we an VwSr bilar l h. but Se aw re S obligated b goy the tuns of as m or sae your bill am am Sea d.1r i ass re ol. -O you . VANS, we lr or lake any action to o oleCi 1116 IepM you aaar. anhohtt yet, Ouda m eaiohh 1.1' Special Rik For Credit Card Ptrdhases H you Nov • P.bsn wnh it. gtdhy of prapeny a sendcas, M war purchased wow a CFO& =to still you haw Tried in good hph an Correet the Problem vAh Star tsdsa. yoo esy few Us tight nun c pay the remairing anent due m the is Warry or ser.6.- You haw wit poteaion wSl rdtrh the purdrse pct ws nos a- :50.00 owl the purchase was mds in Vas has st or 00.00 radial 100 mbs at year Me" adds. of hw own a .prae the meaWm, or H we m.kd you She :.d:e emat kx Uo Prepeny a aerviec, l piaduh- s ewad rspndess d anon oSlootfen of Purchase.) Pkse rasa d- so aW l enimpedorce. f Des war appall, m acwamr nos-creor recd arraaws I Roes wr aPpy m Mark- noeoedd card acaaars Capital Os aeppotts kdonnation pltwcy pseaim: see or webalfe o ewrav.raphdate.can. gZIFmmdd ,=roorerd service mark of Capital AN wimr-d. -2DO3 Capital line GILGLBAK f.. Grace Parind. You vat have i mir im on erase pehfed d b ?pt m stew puhdts4 Chew 25 dace wttttou rows cr alance tSasfe., never spsiY prndrses and stahv other Wrpac N you My yaha oral Now Brace'. In aftartlanle Ydtlh llhe fepmM Node it Paytrrrs brow. ad fe unite for k e W credited M voir pee smsesem doWhp data. Th- Is s pave rrdad s Carr adaaco d teciaI I-(.- In adduon, dalm fe wa pace pried m achy trawataion if you de rot Pay wt Saar 'New bill-' b. Aemo+p Fb.anee ahwpa. Trartookre adreh ere riot from on date of on transaction or Z) fcwr 60 Are? *a tannttion is prrased to ymn Accawt a 3) far the firm clandau day a the oars blAhg par:od. ACddohay, if you d'o not pay de "New Bernal:' Acs dr Phaviaha . rig psmfotl in hI, internal dhaNs mmorrre Ss oohs s your unpaid balms ul if. unpaid l da at 7s paid I. 1d. TN. leas Slut you wu smY owe Small carps, awn H you pay the rd. New Burrs itdeud pat Se. Mal rs EO sew or riot Pla-so monaL U tnreedatadurpr as added a Th. appBrable argon d yea Aunt hSamo ere Fast Owns. For tadh bang paled Uut your aCoOurt is rattiest w • SrsiCo Cluing. a mi worn tad RNAkiCE CHARGE d $0.60 wi be' tltele . f 1d. toad I- charge, reaYitn fns Ste appaedm d your pad.6c etas) is lea dot 50.50. Sag w111 rabnan *an arrant iron to 40.50 nhiLnurn ate One Stainless ova be baledm due pudus se - o you - -r d. Thwpaay Rducten bh Fisw charge. Via Rains She =. lma aaaeas my or i err mere .1-ger I. any given 2. Avaaa. Daly Bafahee IS I - hg Now PlardsaW- a. Femme Wage Is calculated by nsdpying do mly balance d oath segssom d im r a®mn 4e.¢. uAt advawe, purchase, special haler, Save special padhee) by the cosaporh N daily paao I roll that Ws Wm prevhasy diseosd to you. At over and of arch day drS. Uhl 6lihhg pedd, we apply the dally pedsdc age for each segnre of yar aaxan to the daily balwrs of rich sepnm. Than or Sha ad of She tiling pe - -.Map the msuha of these dally Calculations to armfw LIZ Periods aurae Wage le =T= we the .adu Loo each segmen total periods hrol- Wane for yam mcaurw. To on 0. day wonce ice each aagoers d your aetasa, we Sal. doe of i - balance Ice Bari nspmeu ad add spy raw traseiwo ad ashy aura Wrge talnaoud m Al. preafera day'. nor duo aagarc we dory sa6uae my Pewterer or c.du posted s of don day dun as allocated s dha sepnrs. This giros se the spare dolly baace for each aapnrp d yon ac at Hovvewr. N war paid ds New Baace dawn m wr Prerias saetart I. be lea it yam row Wl.- via two or . caadt atatu d, mohr tsar eaoneo which plan it, yarn prwdree r rParial purchase seprrra a. m1 added .tits dolly befrea. We enWate dr avenge dly balahe by addup l Use day bdancm Ugeth t, and 6*61V She sun by S. ran8et d She days in tha Owam burin cycle. To cokula a you teal T Wraps, muhiVyy war averap: tldlll baw- by Sets daaY pariodt ss ad by dr mmanb.r d caw i. Sear bite a plod Due to mrndng m • rally basis, tlheae cry be allpltl Sad- bovsm cis oN.Wdm ad 7k ahhaur d firma: he ac amly assail b. If the Code 7. N app- m the flow of cis mtemann sat m 'BOra.e Rae Applied To: we awtdply the 47399S Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p-m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p-m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. - - S37300-01 Special Offer for Capital Onee Cardholders! The American Tourister Portside 111 3-Piece Luggage Set Special Offer Price of $99.95 Convare at 5250.00 The American Tourister Portside III three-piece set consists of a Tote, Carry-on and a 26' Upright This casual collection is perfect for your travel needs. Fashioned in rugged black 600 Denier polyester. Large front pockets to hold items you need to get to quickly. 26' Upright rolls smoothly over most surfaces, which helps you reach your destination easily. The two carry-on o pieces attach easily to the Upright, which makes moving your luggage hassle free. Three great pieces at one low price! Act now! Limited time offer! Call 1-800-547-BAGS, Extension 7168 to fake advantage mf this offer. This offer ekes WI M2. Fbdda resHeres wN be charged applicable sales tax. Add $9.99 for shipping and handling. Domestic shipmertts only. Available only in black. #346304 NOT AVAILABLE IN STORES ATTHtS PRICE Sam son i to capital ow GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 OCT 12 - NOV 11, 2001 Page 1 of 1 Account Summary Payments, Credits and Adpstrnmt$ Previous Balance $493.41 1 15 OCT ELECTRONIC PAYMENT $12.50- Payments, Credits and Adjustments $37.50 2 29 OCT ELECTRONIC PAYMENT 12.50- Transactions $14.08 3 09 NOV ELECTRONIC PAYMENT 12-50- Finance Charges $8.09 New Balance $478-08 Transxnons Minimum Amount Due $15-00 DATE Payment Due Date December 11, 2001 4 28 OCT SHEETZ #201 MECHANICBURG PA $3.93 5 11 NOV MONTHLY MEMBERSHIP FEE 6.00 otal Cre d'a Li ne T f500 00 6 11 NOV PAYMENT PROTECTION 1-88&527-690.1 4.15 ble C redit Tota l A vaila $21 .92 Credit Line for Cash $500 Available Credit for Cash $27.92 At your service To aB Qw -a Rani,-- or m repon . Ton a rtolm and: 1-#00-903-3637 For 6m onfine ammo-t -icc and spedd o-tama Z- log on to: w..e nrital- Seod Pgmam m: Sad i.,9.kia to: Am: Rminx-z Pmcm i g C.0t.f Onc Sa ion. Capuaf One Ser.lca P.O. Bar 85147 P.O. 11- 85015 Richmo 4 VA 23276 Richmond VA 23785-5015 1nmortant Account Information Capital Om, ESPN, and ABC Sports are taking to the gridiron this season. Tune in every week for great college football and the Capital One Halftime Show. Then on New Year's Day, be are to watch the Capital One Florida Citrus Bovd-in which two of Americo s top college teams compete in their final game of the season. Its football action you won't want to miss-so be sure to ched: your local listings for games and times. 3379SM FrmnceCharges Pleuinre-aCxriJtfcri FiInnlmA gr m?Idwn wb ? APR - l:t1A1C? PURCHASES $48139 -05425% 19-80% $8.09 CASH S.00 .05425% 19.=% $.Do ANNUAL PERCENTAGE RATE applied this period T PLEASE RETURN PORTION BELOW M ITH PAYMENT. T Capitalo a 0000000 0 5291151856361793 11 0478080012500015003 New Balance $478.08 Minimum Amount Due $15.00 Payment Doe Date December 11, 2001 Total enclosed E 19.80% Sues Aps # Gq Su., ZIP I-- Plsna Al- Phone $4031537497863056@ MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 M306 S YORK ST ECHANICSBURG PA 17055-6302 Richmond , VA 23276 Irnlrlrrlint,[rllrIll. lltnllrrrllrnrllnrrilnrnllrnllrrnllrrnl I.trlllnr.Illnnrrl.lrrltl.,Ilt,nrlinllrnrrrl.llirttrllrrnlrl,l pkv w kynro cease-r n-mber o- ymv Thank - srm+7 wdo made fnyabk m CaW.1 Onc Ban.f sad ail;. rbe cadmrd rnvtlopc Pk-p.e r.la-?mga kh--mR-m At,& w.E 1 Special Offer for Capital One Cardholders: The American Tourister Cancun 3-Piece Luggage set for only $189.95 That's over 40% Off the Retail Price of $330.00. tfrhaicarh Touriglees Cancun Three-Piece Larggage Set includes a 16' Boarding Bag, 22' Comnlar Carry-on and 26" Verbc*d Pulina2 Each pieces fashioned in 1200 Denier polyester faix wlh PVC bacidrg for added strength. Dual locking par ptis with seE-rnerldng zQpets. is hide keep your valuables; sale. The Co mAa Carry-on and Vertical Pnirrian have caner- mounted in-ine skate whew valid provide stability. durafily and smocith rolling to you dtls;l"i>aI The 16' Boarding Bag attaches easily to the pusfrbultm phi hale o the Commuter Carry-on and Vertical Pullman to help har.port multiple bags hassb flee. spa ial- easy socese pockets inside and out to make organizing you belongings easier. This set OR great for both long and short vacations or business trips. Act nowl Limited time. Call today, 1-800-547-BAGS, Extension 7357. Avale"a n bsdk or taupe 0111or pit 3'37102. Flom rusdents Will be charged applicable salt talc AM 59M sllppinp and handing. Wines6c dipmalc only. tl2BBorrMlil amg Bag 16xlU7.5% CC 22rlUS% VPM 26x79)9'. WT AVAa am E N STORES AT THIS PRICE Capital Ds anal aaa.d M Samson` r:mpq Shah. ad SwnsD laic $&AV MBporeble for OR swvlus protidstl. Samsonite By.egiatS q b 1rs dfc, you era, a sesea.idbp irom.am shad yet serf b Swamis Umpay Shia, -Wh peotids IN, purer. escape. dal yerre a Cupid Os osdaa C plel Ora i a fderMy w0 1 sense m.t M I" maned. co.,,pdry Stores t.. Or- Pwiai You Will hew i miriaaaa grata period of 25 day. without Inartan haw ptsol- raw balance t aredis s, -=- prrdcaes and - adr ch.rgaa If ym pay yoor tonal "mow Balsoce-, in a.combase wbh a. Impatient NAYS for O•MOt•s blow', and F tier for k te W cradnd by your r.a aatanm4 dosing data. Throe s ro pn¢ ptsriod an catln .dwr¢sc and .pedal trWrole.. F adddon, flare 'a ro gsce panic b arty trrvaian i/ you d ems pat d. tstl "Nsw DNarea: b. Aeveayq F..mraa fFag•- TrasWalsa eri.dh as not I t[ der. apeeeodaaad? b71 are transaction, b p-sm d to Vote Accaad or 3) from the first talondar day of the corns bifng pnrio I AdittutMy, It you did rat pay the "New Bob-- boar the POedas Nang posted in hi. Anent d.V- o d- se -or Var uptld balane t Oana to aptld balance Is pail in kriL This aroma that V•• ne irnasa charges, even if you Pay tOS a d. "-7= Funded s tea frog of Pete a.= by der read .amassers clomp data, btu did not do so for U. pretaas rramh. Unpaid ben sltrges are added fo site appacatla serum of year Accoam. t c. hYinOaan fsraw G..fe. F. reach baling fnesied err yam avmms?p? u • btartca stage, •snteaeeeahn tad FaYUkICE OfARCaE of 80.50 Will be' •Pd• HMO trod frnrtct Burge rrAing freen dwa apps-titm. you peniodc samial I. les drat 80.50. we .Y .aloe dst moue non the 80.50 Mink an and the Mlnertoe will be baed to fha putt ass of You access. td. Taepasy Rve f F F' charge, We name der cant io raU aaaea .ey a all iss , durys it. cry glad 2- A- wag. Daly Bawer lYMud g Naw Prth-1. a. F'ilwttca Burge is talaJnd by rimAdplyhg the dafy balance .1 each seas am of you acosom $e.g.. tact pnd.sel d-aca, perda.e, spacial vaster. ,it spacial by d. c.raT•esd g My fs•sf•dc new cut Ins best pa . V deedowd or you. At der sd of each day dnrbg the 6lfrp period, tee appry tfs wy periedc .w W sch apreaa of your oc?tas m der tlMy JIM- of adt aegensm. Then n d. and of it. hig paid, add W the wafts d Bas doyy' raAwriniora te arrive .yea P.d.ft fOtarts dsaM. for Was aapOrs. yVa add P d. ..ft tram each agoras se Write n tit tttW pariadc bores dmgp for Vo r axaas. To gat be delay blocs I., each ae{y.va I ye r acco nt. ew ake tha ltegMafrsg Wirier for each snye.e a and add airy raw trsaaiaoe and try periods li ancit orig. uletriafad an d. pOevias d.y. bid- Ion that agroom. We titan .dad •nY paymems . dada paged as of dr day dear rare afocatN 1. that seprtaa TWO gists s the apam. dely btlanu 1. 'tin aep.wa of you acosua. No.reva, R Yes paid the New Bat.roe dawn an Vote predaa •atarrenn F ftl (. If Vw row b h- ova nee or • Bradt awaa), new ver.aedora W ich post a your purchase a apsdel Padua agmaas am net tided to Use daily leiamcss. We Canciete ds average dally belace, by ad 1 M V. daily irti' are together and dAding 0. sun by da dumber of tit day. I. der areas bang cVcf. . To dodo Vote tamN frwts dwfW, nMlipl your Wvarage daily basttce by be dMy . One ad by t. moaner of Mya F der hits Pan Dm to Owe% an a d.y basis. arem may be a Apt -dams berwsen this ola.Mfon and W. anus a facnce d.T. Wdu.IY aa®d. Z . app-. on the from a Bas .atOVran b. If ds code N Of a 'Balace Rate spied To: e. m.byy The .. °o O N n O ¢ Q .- N periods rm6 To obtm to average day btlars for der hiy Ribalasaa d covm d by t it.stows, we tats the 6opaaarrp of aadh ••gs•s orb day. add any new rraraaeimra m act a9hhi••. artd n airy Wymmoo err aedti of r a as 'rode9tlrNtca asser Rest ts on i lore of as a.asa nos Appal T., we also h adawp any ueptld fkrcm cage irlhrd la tha Wlacit 01 each s?sa.1 Tula givs s der Clay L balance .1 ex 7 we add rip M rd d d6iim.r 6daca Tor ash a ft a. days nip period ad THIS by der t Otsbr of 6ys F der bifitp pakaA ilia flea us u the wh•g• dry. balwse m act apwna- 3. Ar.ed ?ser -A a arses (APRL a. The 0 ail P.c 1. st NR1aMt ene' . appear a stay 'APR' on od Rte Imm d. M tlis b, the coo P (Plover), (Plea, LIBOM, C ICe matm t of men so oil P lend Oppos DOf ft , r S l pad 1. I an ere matt of cis sacra rat te der peaede .site der pedo?c s a and srreamen ANNUAL P der tam base nay vary sedy an -V it- or a deoes based ,b V. slued kris., food in ilk SW Surf ,K pis the n be pasim - the Smd a yet. 7ftes ri c w0 W by Visit a rat lc Wd dry o1 yam Gip .W rJ? ApA.MA Resistant deg October. c N der coo D RPisc, F (1-ra. LIMM or G P3+eo. L9M Rtp 1 Mondi» Oppose; a. d. tom o1 yea ste.aait nos to h f>osFdc sasl 1. 9. porod. - -ad- ANNUAL PERCOUAGE RATES may -ay aMiy and .ay Fast . comsat Wad on the .and Fe's, a loud kn TAe Waf Samar J-. d 0- d. esq. pae.7autly dadaed to Yves Thee ct-ges WE W .llaedee an tss bat day of Vote baby poetod ace s.Ods 4. Aa?.d J laa4 Ooafiei ad Rbaen.d Payetra Fees. Your aoraa r W aweaae ro oaom [hat two of der tea nand hate dr am. Outing any hig pedal Undar fit tens of Vast customer apeamsrs, ova .saerse he rind to wsiw as M m eras try lees . dl pier a.rislFm to you Wtra w.idrp w right er assess pea save or trails 4a . a Isar fete. 5.'(AawwAp car Aea.st If a nearadesettip /ere spas m she ?d of the ass. ye ionent era. Yes has 90 d haw the deer or .atarrners ova acid to you to ays V stood you a« r to law eruct credited to you If It you rand yonos.tt. Dtakp ON. s (roil V ed. You may Pay der ..eaaw m s it a cmas Ades, W.a.p to rrssed 4 Ts To card V.. acco-L Yoe rata natty s by oig w CL.- PAWd s Depsn.rs .d fay your -New Balsce" I. kl la-keli g the membership Real pdw to the and of the Varty4my period 6. N Ya Oat Your Aim= You can aaqueta to does yyawerr arms by chimp ose Curms- Rtlatirs Dspsmetsa. You net destroy Vote clads c did ad txoua - des, nnosl erg pOaadsnsad ad sane asp You aamss. H you . tip c..d pwodwasell billing .ragare.. ova wi consider ay Voter atSOOn. AdidonsaY. You ama w. rs be closed .11 you = al ;="=, s idf¢ any traaacdss V•• d. I- csngs, pan due rtes, -mat Rose, returned psysa t Tern, hers advace fees and == 1st tad te am Wccosat. You ere e 1. sea a.taeaa Mader r ?uyt o as they .i kn-.d s dtam em ao to it. Asse yet, request yw .qua se dose der amass. Thas say reds F dugs appndnp an Your aqua star you Ww your accoue if Is Ins already been deed. For example. H you aOSfadied a punchaar from a merNare and we -d- Oh. rrmaaum Iron der me etant it your so-" Ins barn do..q Vc• .xous ova bmrsapenad, the ar.eraa of S. charge ova be addad to yw .swum, aka you vim be reap.dalle br pay- N there is a Ise 11, "" scorOaa, are fee te m Ore foment pa.nnan'e' ad by law. manta d. rtau. balance has bear raid in ke as deY.d .bow. 7. U-9 Your Aem. LYaer and . accotes canna be used F smscrton wish any kaemef g.mbift rwnaaiora. S. Nelies Abed 9adr.s chi h fawavim. Wltan Vero riaet a PaVaters, You seAltosre s adser to it.$. 0m aoa y elect m stake a orc•doa eleemrie had varier bon you bank assert or to ==t=- a dick rrrsacvao VA- we Yotr lack or make an tlact.N : held trader(., Rods lay be Wdtdatrn hom you bank 'scows a cos a V. a.. day ova Oedw Veto psyrecm, ad Vero V staf resiw yeti ch.* back from yam fissotl .wrtu:on BILLWG RerTS SUMMARY lln CO. Of E men d Otswiors Abw You Bill g you itktk yw V I. weer. er it you rued mere _Pa. an t tw tiwt or bill, -be to to on a salcrnW .he. a soot a parable at he adders tern trwr m .hen -,he tom of di. s ateatets. We nun Mum boa you me sts than 60 days after we seen you the ba bl an Midi the error a pmbieen appeared. You can uI w Gaon. P.U- number, but doing m .41 not pOeww y.s• rys. F your tan., gtw a tha (tlbeap nlorrrntiom yw vier and a scum maeber, the dollar tosses, of d. sagtapd ernr. a description of the eon ad an apl.tdoo, H pied", of why you be%ew he. is an error, . If you nerd mew inloOrOtarac a dacdpion of The imse you am asaa aba.. Yw tb not haw to pay any aneut in gi.ssis wile eve an kwast gating b. Ise VW Wa .m l at, pry dw pans of your to tst am rot F passion VAft - fwvadpam Yeti rp-i n, we sawn ripen yea as dfnqu e t . sake any sclion to ic(kct the amour Too Attention. t•'r spedtl Rule F. Caeca Card PUrCtURSOE If you hew It psWeo with the tywrny of property . ser- der you peasehaed wet a credit card and you here tried F Rood Lot to karma he Problem Wtt the merdwm. VW 1stp.pacmy haw dte ripM icon mo pay the note, imp timer[ due on /he . arvt.et. You hew tuts irasvai er ady Wks as is. '. Price users more than $50.00 and tit pud.a raa made I. your home erne or W tiro 100 sales . V•. awing add- of we own or sperm tw r.s . or it we mtlsd Vw the dverdfawm far rise psopenY . service, all pod.ses Wveled wgades.1 araetan or bunion of purd.se.l Please wn.ab. m sign as rerrspo dsu. t Doe. not.alY to a.warwr--ra6f card.es w,, f Does ant apply b Aw imam won-rndd -d nccaads Cupid 0- inw ns iioeewwe pdwcy Proaaion: see w wrbdte a rsvrs tapimforse.com. C.Pimf One is a fdetay re jism ed sorvk. mark of Capital 0- Pored Copo.i- Al 'Vas reserved. a 2003 capital Oa Oil LGLBAK 33798M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT_ Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the some day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. ARE YOU PAYING F V L L PRICE FOR BOOKWOVIEKDsoMs? HERE IS YOUR P .;nZA1. -M,.* ink ?* SP9:OAl OFFER FOR CmmffalOne CARDH=ERS \I\ Capita/ow* Account Summary Previous Balance $478.08 Payments, Credits and Adptstments S25.DD Transactions $96.68 Finance Charge $9.04 New Balance $558.80 Minimum Amount Due $58.60 Payment Due Date January 11, 2002 Total Credit Line $500 Total Available Credit S.00 Credit lane for Cash $500 Available Credit for Cash $.00 Atyoursmice To can Qwo ReWom w to rcpom a lost w FW= mrd: 1-800-903-3637 For frm online .-m .min and spinal aatomc often, log on tm www Fied neam Seed pa7mersct to: Send ingo"via to: Attn: Rersnn.nm PI-ving C.Pnal On. Savisa C.P" One S,`vion P.O. B. 85147 P.O. B. 85015 Ridtmoad VA 23276 Richmond, VA 23785-5015 Imoortant Account Information Capital One, ESPN, and ABC Sports are taking to the gridiron this season Tune in every week for great college football and the Capital One Halftime Show. Then on New Year's Day, be sure to watch the Capital One Florida Citrus Bowl-in which two of America's top college teams compete in their final game of the season. Its football action you wont want to miss-so be are to check your local listings for games and times. 32575M GOLD MAST ERCARDACCOUNT 5291-1518-5636-1793 Payments,Ctes it; aaadAdjustments Romf m mmpauy NOV 12 - DEC 11, 2001 Page 1 of 1 1 26 NOV ELECTRONIC PAYMENT 512.50- 2 10 DEC ELECTRONIC PAYMENT 12.50- Transactions 3 13 NOV PLANPLUS 800-591-917710119-lV19 $825 4 14 NOV WQrQ [TELECOM ODD-385-1968 CA 48.58 5 14 NOV OVERLD41TFEE 29.00 6 11 DEC MONTHLY MEMBERSHIP FEE 6.D0 7 11 DEC PAYMENT PROTECTION 1-888-527-69D4 4.65 -Important Notd` Recemly, you received a letter from Capital One containing an important legal notice about a change to your Customer Agreement to add an arbitration provision Please review the arbireation Provision card* as it affects your rights. Finance Changes P4au tee re ar c i id c fa rivpartars! i ion ? r a g o ? 1 j R W gyldro BAR A PURCHASES SSSS-50 .05425% 19.80% 59.04 CASH S.00 .05425% 19.80% S.00 ANNUAL PERCENTAGE RATE applied this period Y PLEASE RETURN PORTION BELOW WITH PAYMENT. Capeta;Ow 0000000 0 5291151856361793 11 0558800012500058808 New Balance 5558.80 Minimum Amount Due $58.80 Payment Due Date january 11, 2002 Total enclosed $ 5409OD-01 19.50% sae,` Apt e s.,7 S.. 23? H_ Plmr Al- Phan #9034637497863050# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 m 306 S YORK ST Richmond, VA 23276 n 'n ME:CHANICSBURG PA 17055-6302 ittltltIIlittltlltttltllttlitttlltttlltttlltfill Ittlltttlltttl It..lilt.tllittttl.1.titittlintt,lltlltttt?ltllittttlltttltltl Please tmite ym aaInint number on ymo d ah w mamry wAo= r&fwpWe to Cspiia/OneBmk end mail in the endxed rnvel*e r Bargain Hunter's Secret -Found at eBay's Half.com Hi, my name is Mark Hughes, and f been making eBays Half.cam a Top-10 shopping coupon box below in your Shopping Cart tnavenl been Tdoklg a great rod 99 she month silos July 2000 (Mena Metro) at Chedtout To receive 1tlis irtlilad time Doer. across my point To some. Ws a mystery how eBay's Haf cDrn can sell books, CDs. DVDs, PCs. digital cameras and more for as low as SD--9D% of every day. trs actually So wh?ars in it for you? Youl get the amazing savings fdad at an alctiorr--but you shop, browse and order Just like you would at any other retaiec These days, more Mark Hughes Vice President of Marketing - eeeys Half corn Fk glee very simple. This is how: people are visiting eBays Haf com then CDNow s Mom or Baines & Noblexam. But decide for yoursef if $10 Of! $40 purchase` Many businesses need to reduce their Inventory. be savings on books' cos' DVDs. PCs' digital when you order now! Enter code They rlst that Inventory for sale on eBay's Ffalf co m cameras and more are. it faux, amazing Also, people Ire you are taming their fStr1f irdD 'Capita!22' in your Shopping Cart cash by selling their books, CDs, DVDr, PCs, digital A W for hying eeays HatfJ221r71, rl give you $10 cameras and more on eBay's Hal mm. These on to horse with ay first-time purchase over W -Lbriad lane or. imoludes st {pbg sd trndrq. F.W4- items can be new or used. Buying co surrers have when you order now! Enter the code found it the buy-& O1 . BY reip[sr&tp b t is offer, you may be tatreeioirD iAmffaibn ?dl YMSO b ft company ar r loJdr rfrfs PIOOu??r otamPle. to you arse Capita One cusloosr. Holl-1. sdMy, ragladbb for flit offer end rtn shield.Ah Caped Ow CW W Oats does nd prasitls. artlnse._a prarasee cry po4cr or aerRe Oam came. HYf.tsm. Mc.. Haq.mm anm Me tWrAm boo are Imesnsks d Haff.oorm, etc. AN COW haderma s and sanbe wens lie tin p pint[ y d orb ratpecw ohvara. DwrAlias. prlanp and ari6fq d nrrdrendre rill varyare to supply ad demaa Ss -JnarAm for details. O mot CapaN Ore Servicas. be capital (roe Is a rsawaair rThgl6rled orrba mM. Ali nip, la.mva11. aea? To Awid A Firm- chefs. 1. iffy bel I., the r To °Mabt the poloft w. you e¢saa N It bas sheerly been dmGd For ample, tst? Paid. You Noe a rhinbrhuw pre s porlGd of . G vill t . a. 5 % baling baling period iod cirvartal W the M steterame. + la the f °ma orb dakA ke da new add an l f b d b W it you e mam t tiotd? lase a rinerchans and we the the T from des: mered- 'ft. your 25 hys rntlWa firwroe Wrye m raw padrsq ,hew d 2 Manca lroslare, - new .yOal [seders mud trite °dW - ohce o y, y eptswtp e o aa r aaP tsaoeas r east aspires, eM adfraa any paNnerrs fnr hom cream has bmt r:bemL you ,emus wT be reoprad, . i b d d dugpa H Ytat P•Y Yas• teal "Nee' fialarhoe". b m satin M ate rsde N appau m rte twin d t.s • tha swan d fha throe w e ad W your -courr, e ae? ectardrts whh fha kaperttn Hmim for peymnTS bdoa, Dalohte Ilar /loosed To: nine irks aaassar uero r s and you will be saapput0k for paymma H tWe is ® and In fine for it r be aedred by you rimer aarorhsa miod m cast ad.wtrrs ees d li dir Ther I as m a rail try upsid Gums dogs b Chuffed in Tha balance of rdr aj-) This gh- us the daily bar- of each are bsdriP Ise Yoe you acraur, rill lee wa ramirre to be curpsd, r fie esrsa pertained by law. nail 0. a? ua ty e. e: . p P mhd ape" us-I.m. In miff.., there I. m pars p." ' .corers. Town, re add lip lip Mw d?iyy bolaraea for lam h - accouo balame has best Paid in KA as deemed above. t r b 7 d Y New m try lusm cart if you lab set pay tre,ousl by the rural scorner for the baig owed ad 6r sau ou car a accouas cerewt e . = . i = - - bar.-.' b. Ahhing Fin- Charge. Trarmdast which are rot en to a Wpm Pariad am amassed iwrr cnNe 1) =* f trys n Tba bibq pe" This y-s us the diy balerhca of each tmgawr. 3. Ansel ?merdaae Rasa SAM gatbt oorhshanron rim arty i. ng uartmod a S. Ndiee Abort Musts& Classic C-dmh. wrhen you from; tlr time of the Tarh.aaron or 2) from t ho date the a. The was 'Award Percosage Ray" a" appear s prowls a dude as payment, you adrstzt a tither to q^ vsrm fion la ptocam0 to you Aecan m 3) few the AddtiaW r Gi d d d th fi l atipd APW m the from d 1Ns stauwoa C (Certificate of H to coda P (Pedro) L p.,a LIMM b um information has you check te make a cant-time electronic lad orsa er arts yam bank oxwa or to ash e arrsn ar ., .y n u p P Y. - Y you 6d rna pey de "New aaloas" from the Ptatase . . , Depotq, or 5 (tlarukcaN Wow! appaa m the amt of :=== a a arck tarracdon. When we a>_ blaYq pofod h lira fihree dregs rnsisre to wxwe m tfhM awass men Toth periedc raaYw. the Ped-b hyou deck m make m dearoic aft your amid b1 u.a tin ugid balsas rs Paid I. M- This seas that you ray ail owa finance doges, eon it mum ad -pe.&V ANNUAL P61CEWAGE RATES may may ghwsamfy, .d way dome or decres.e based kad trerrler, haws may be witsfor- Iran your bohk somur as scam as to sou day ra aceiw your wa d k b k b d i you PaY ale aria New Bahaes brdcated m the fret of des amd loin, as land is TA. WY Seem ntp oxe eec orn m your ac pelanatr. an You you mmamor by d. nine .neon coarap data. bu did Joss{ pie to lowyn predady &.cleaed to you, your fnandt vohsrlan - s? not do a for the palms sremlc Unpaid is moll dWaaa Thin tpnttgaa We be afflictive m to fm day of your am added r Tha apploMe eap.sr of your Aewa bWM pealed com ad by yea Pedetit: stamen andng BILLING RIGHTS SUAwARY e t c..abbrr. Frorme Gigs. For each bMV posted that • a"- you accaam la shbjem r • fume dhoge in the mean Jwury. Api..1W rod Oates, c. If tha rode D (Pixel, F f f tea 118010 a G 0- fin ar Of Enom Or Qwaias Abort Your Bic) II You rhink ear bill 'r v+twg, or N you need more , teal RluhtsCE Cf1ARGE d $0.50 vhM be imp ..& N do LIBOR Repriced MoMaN appwa m fns hat of you ihlomuton m a sasectim a m, write o--. eat total dines d aw t -Aft fm the gpication of yor periodic ours) is Nil men so.5o. lair -A subsoct tin statement nee to de Pasodc serial, fns Pstlode ma and cartaapmdrq ANNUAL PERC@IrAGE RATE miry w ram ahw a soon as pa.ile a the luk rrs for inquris alerrh m to harm at This aauanota We trust, snare hem to $0.50 sbdrmo ad tha dflawror ni be wry massy and try broaae or ds+me based m the hear from you m later ton 80 toy. arm hat sod you the eo_ aan? blear W the putdeat - "am of to" somas. t . Taprry RriMien n F shwas. We rneae tr awed bdicas. as found in rbe Wet Server Jorrn.l pis tN a, M. pwuiarsly h *&W .you. Tlwr charges Star big m wide the error or problem appeared. You ten cat our CuhwW Relations number. but d°'sh0 so wp no dq1esm To leT amt eery or i TiWra Wspet fa attY (Tat 6rfmg raj be CRSaire m Uhe im deal d You bafi°g period ash medic preserve You tfdma• b Yam Ono, piw a the Idbwrrg lonauort taut rutrne and a awn nrnbar, the dole, 2. A-". 0aay taWhee Ikhdrd g New Prad sal. 1. Ass®w.d of Loa, O..rii rod Rrard Wysot Fans. smear of too wspeae0 sere, a da-Irmm d to ens a. nrtmhpe surge fs calalerd by amdtpllybg des daffy You account will be amad sou some than two of the fas and so erpl.rhnioo, N possible. of wlh)r you bekete there I. balsms, of each segnas of yotr srmus te.Y. cash sad hoe tin trey duig limy big period Urder the s emr; or H you mead mar: inumnersm. • description of e d-. purchase, ap.W hamster, rod special pmdmeal toms of your customer agroomm. os sauna the right to to ham you ,re muse about. You do rim fore m pay arty by the orm-pattd.q diy poiange lady dart Ines ban -iw or net so tom arry firs vddrae prior notifiemfm u enant bh gtraen Mill ws am krveahPtrhp it, but you sfiedsed as yots As U. cad of each day thrkhg p,. you uWVa wining °hnt nom[ r aces to same w on.ilar aw rot ew aW di0ard to pry pro pans d your till that = the bairq install. we apply to diy - - I ore for emit l i d d lam toe. w aYou /1sm,hn H a mea0wti fa 5 b Well- while nine lnrenpsm you question. our: crvtnt tWon you as delau}rm or lake ohy .,.ran to trotlox om - s rhca airport d you atxau[ to tr A y aga ween sepmrr. Than w tlhe rd d tr bi paid. did up p . . appears m is hom of this Mammal. you Nw 30 mast you question. - - The neeth. or these diy Wol.tiaw r arriat a day from Or ufwe /his aateost vs. eyed to you to ou f e rMd to id tl t h t l P l F h i perioQsc fiuanhca Wrye for each aapsrom. Ws add hp she .A. from tan wryer to lariat a the Taal pobdde o or o a y ra r r ow sui s paYrtY it you rank your ahmua. Outing his paled. you stay a or CmW card t.t Spec Ru e utters eaaaa? fi- surge for your summa- To pa the slasy balanca oombrus r . yore sores .mdmm Mina to pey #. It you haw a problem with tr purlny of prapsny or flee for oath animals of you sirens, hat take the bait! I - marbautip firs. T° rarroll yam .manna you mhrt ser cam dW you purchased with a credit cab ad you balance I. sad, sapsslt and did ory yew marsoctias ant arty pdodic fbheraa c h." caleLted m to paevims miry hs by oim w 0cmaaar ad" OapennWS cad p.y you Nsw Balohca' b tv latndhrdmg the Nat Tod rn good forth to correct be problem with The ant. you row haw to rtgf. no to pay he umaiirkV mord day's b.1- for that aafir W. Ulan .6-0 my mwnbsrlip few poor or is rod d the tity4y rr•tlpd. amour due m the property or smKces. You have ma payrrwrs. or exacts posed as of that day true Am a*..Md 8. I Yw G.a Yam ?---? You on whgow r dose prprent- a ,don is pudrr pills -m moo then to tM asp Tut plm s pre apalae dolly 6tanr+ id S N li yyoorrr a®ur fry caeb; ou ermoaw Wall- our cmnrt sadbs) sod O a You as destro ans :50.00 and tr µmcro .roc nude in your home ane or a-ml . for each aepnea of you wwuc you pa New B.1- star- on you puehas sssarWr In &A far ssa y y R airman ,ens dueb, c ncal at Pawudrdzed bgig. writ 100 ernes of your or addss_ IH ve own or opeou Tha modes, o N we naked you The it you new Moms nos zmo a • credo mmamaL new ad come sling you ahsasm- I yin lab fall rained sdwniamou Its the property or orAces, all purche tranwcfiar which post to yea p•draa a special faaMhuft d 6iq a ulnglaass, ws will carid., r Covered rgpdm of wnwm or la-don of lmrcham.i puce. sag yeas jr. W added u tha diy balarcec. we wrapl d a drys yam sude@stron : = = pleat amaraboi to sign N caufpordot a. Calculate the a.*.W dally balecca by sdtig i to daily , C account. Adddauty. blur awn w balance Together ad dividing dre cam by tr numbs of lama Vol! pry off asrherars you aoa hs arias ertY Does no! t +pWy to ca easy a man ae6r r? d eeeounex 8 rha hays in tre wow/ being cyde. To ednlae your told loins ats you haw aldrodtsd. 1balms dmpas, Pea m f h i d f d p firrnpe charge, =W am everpe dial balers by the 1 atie rahbm d t6n in tr being 1 payma ees, cas r ees, moss due fm, owr t ad- fam lad etW ahr f- aoomed r your t foes nor apply t° badness nonaadlr card _ooarts p m r fo rwtduq m a daily basis. diner may be . = = stigma -4- bet-am Ws atsladan sort the moan of ,tastes. you ar teapattdbla for thou wears rioter try appsr m your srzan a tie Ame you topes so One supports womnmim privacy prmeclim see our Capital N O m c fit- darpe saWllY immd d : rd tmbaprm to dos the wxamar a they am bo e acoaae This sa sesdt in t t d wabsitt m wore. w. c.Pitd One ill a y repretsM -wits mark of Caphsl cL s stmemor b. It the code Z N appsa m tr 4am t inn r "Briars Rate Applied To. hair aldtlPl? dr m r You regsrma o y drgss appsdnp m yam ar?hn ahem you Nat dal eaporaabrt All st91aa m-rwd. ° 2003 G daily a bale f dr fm K 32575M Important Notice- Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. FT- Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper trips, etc. when preparing your payment. 541000-01 Introducing The ompletely independent power source PRO STARTER Z that eliminates the need for another THE BATTERY CHARGER THAT DOESN'T DEPEND vehicle or stranger, tow trurk or ON ANOTHER CAR TO GIVE YOU A JUMP! dangerous jumper cables when your battery is drained! ¦ Just plug this compact unit into you cigarette lighter-within minutes start you car and you're on your wayl PRO STARTER 2 ALSO ¦ Inside this rugged unit is a sealed alkaline battery (IATA and DOT approved) with 5.5 amps (14S volts)- PROVIDES 12V DC POWER! ? enough recharge power to start you vehicle! ¦ Great for use when a1 your ale, ¦ Recharging is easy-leave it t into your 120 cigarette plugged li i t ht f collage or on a lual or RVt ¦ Ideal for operating a small television or es g er 30 to m nu or minkefrigerator away from hone! driving--ifs good as new! while ?rsf ' * ¦ Rom a cal phone in standby L x 13tH a rl?l ? ¦ Compact 239 W x 81 size easily stores in trunk or glove rvrv ?y? for up to 100 hours! compartment--for up to 5 years! 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C-21113UM10 ' Cardholders! crapitalow, GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 DEC 12, 2001- JAN 11, 2002 Page 1 of 1 Account Summitry Payments, Credits and Acgustments ' Previous Balance 5558.90 17 DEC 1 OVBRLIMIT FEE CREDIT 429.00 Payments, Credits and Adjustments SM.00 2 17 DEC OVERLIMIT FEE CREDIT 29.00- Transactions 652.91 3 24 DEC ELECTRONIC PAYMENT 1250- Finance Charms 59.20 4 07 JAN ELECTRONIC PAYMENT 12.50- New Balance 2537.91 Minimum Amount Due 437.91 Transactions Payment Due Date February 11, 2002 5 11 DEC PLANPLUS 800.591-917711/19-12/19 58.25 6 12 DEC OVERLIMIr FEE 29.00 Tod Credo Line 5500 7 M DEC GIANT FOOD #120 S18 MECHANICSBURG PA 5.00 Total Credible Credit Credit Line for Cash 5.00 s500 8 11 JAN MONTHLY MEMBERSHIP FEE 6.00 Available Credit for Cash 5.00 9 11 TAN PAYMENT PROTECTION 7-888-527-6904 4.66 Register today 21 www apitalone.eom to aura your account online. Your FREE access will allow At your service you to pay your bill online, dwck your balance and view your statement Its quirk, easy and To oB Customer R.66om or w report . ton er sooaen ord: secure! 1-800-903-3637 F. font oed-.eeounr _ ww -Pt&-- .nd .Pea.l auroma eBar, tog m sa: Sad p y-t. to: Send inquiries >a Attn: Remittance Proossing C.Piw One S-ica C.Pho One seniors P.O. B. 85147 P.O. B_ 85015 Richmond, VA 23276 Rid-cf, VA 232IS-5015 FnutnceCharges Pkamim rev eiad?farimpm1wdji]nfor ? CHARrmaiim r? nri.r. APR GE pprdm .?, PURCHASER 8546.81 .05425% 19.80% $9.20 CASH 8.00 .05425% 19.80% $.00 ANNUAL PERCENTAGE RATE appr$ed this period 19.50% 39811M V PLEASE RETURN PORTION BELOW WITH PAYMENT. c'ap"'al f0m' 0000000 0 5291151856361793 11 0537910012500037914 New Balance 5537 91 Pr?.o :e.da®?a.? ke.n .n ngw ab Minimum Amount Due 537.91 Sn a Apt R Payment Due Date February IL 2002 Sam ZIP Gy Total enclosed 5 Home Pb- Alaroaa Phone #90012374978630586 MAIL ID NUMBER Capital One Bank LOUIS U RICE JR ,y 306 S YORK ST P.O. Box 85147 MECHANICSBURG PA 17055-6302 Richmond, VA 23276 IrrlrLrllr.rlrlirrrlrll..Ilrr.llrrrllr.tilr.tli...il.rtllrt,l ? It..Ill/..lll.rr.I.1.rl.irrllrnr.lirflrrrrrlrlllrrtrllrtrlrirl Presre /mite you --f arowhar m yam cloak ar monty mda madepaq bk to Capdd 0- B-k and main is rlx -kid enveraf. Special Offer For Capita Cam Cardholders! YES! Please send me the Pro Starter 2(s). I agree to pay the price plus shipping and handling indicated below. Please charge my Capital Onee account It I am not totally delighted, I may return my purchase for a prompt refund of the purchase price, including shipping and handling. Oty. Item W. Destxipdon PriOe Each S&H Eecft 130506 Pro Starter 2 $49.99 $5.99 It your thi?plep address is dMeerrf born He addrtas an your rtah marC Please conplee the form below. Al wdm wl be slipped to the same address. Nana Paid) SNe_ ZP net, Bane Account Number: 5281-15183636-1793 C-YadAd*= LOUIS U RICE JR gAsr you E°radheta ID Anaekw oaes'd hawdc) 306 S YORK ST a m= cap" or* serrses. I- C?iW Doe a e lederady ngee W -I-- mark. Al nhphs m arutd. MECHANICSBURG PA 17055$302 Th mddherdue featured n hli. brad"'` sou a1etorte-` Yrefl are ?? IAaed adsiearh0 Groto. tm ideperrlad caratpay spedahig n awaceder saws aid not addkrad man C.WW One. Capeal one does no provide, andmee or giumdee any pnodad or `orrice Shan bee. United Mamdirq Group's Catde0lder Signature a* eddy rs;oruI * l. lift oeea 1 audrebe OapW One b bnmdtic -.Work sfddh Mds aY axma e.aertrhdbgtapeec w oybdW By neeppnfev b aft oaer. You a w be ooinaaimtir9 W.mabon about youn did to urged klarkebg b lleiltl Welurhp Group, Akib pouida Ai. prod. agog, who Pottdes fns produ*-4or s>o< I aW You an a Capital CYe creorree To order by Planar Aoa"reds brdriay plus good wbb haplft bet. fatephom, ptaase all U. W Mrbanp Group at em-3ai gAel. 0M02 U.W kbrwig GO* F. a 0. M..shurd, LWX4 519. HE-1251 11112 5641 Ddwb and rating in yaw capital One credit card pertinent Antelope. 8 N 0 t; O ? ? v N peiodic me To obtain the average dads balance fkar a. biding Owing cove d by oft summate, w take the ==; bW- wt each aegrwa each day. add any row to each sapnert. and subtract any WMnams or naWts. M to code H appea an Vr from o1 acs soutenat l nee m'hWme Roe Appiag To; am also starred any, unpaid f rence charge Included In am ladnce d each ) Thh yams us the daily balance of each Old up A that daay baleen` for each eagamm. =- apiwa 1 the bi hg padatl and deride by ere fond -..roar et gays In the h'AAg POW& Tlis elves s the -`rage ary beads` of each tegetear. 3. Mad P.wrtapa Beta (APR1. a. The me 'Amend Paacen tge Bate- may appear a 'APB' an to tram M this eafernod. b. It der code P Orinal. L (3+ LIBOR). C 4CO06cae of D Unit; epadde?as ?orrhfapms?dcc appee. on 1. 1-4 Of mels). he pedofc ms and and ANNUAL PEB=ACI BATES may wfy ;`-redly rd my -- m d- based on as stated ndns, m loud n Tbs WA Sews J--g Ohs Tin m.rpn pnafO Wy daclossg to you. Thos chants wN be `dente an Te Shoe dry o1 you biding paged mrend by you Oedyo6c snternra enhdnp m more.Iaraawy. AWa. tYBOro«G ahao. + c. Hair node D RdaheI, F 11-ma LIBOR Repriced Marcy) m ban dam tom d your summer aaatp .der Filwreaw, the padadc muss, all nsraaoeradra ANNWL PEPCENTAGE RATES may ary ermrwldIf my n rime P decame bawd .n the road boos, a Sand in Tee Me Surer Jim-4 ph- the ruryre PeeeAW .. . w Woo. 71rs de!ge. win be eeeaiw m the Am dry of you Nrahg peed each malt 4. Asta-awat of Lan, Orwfimk all Ruurned Paywwd Fat You account wale be emceed ova more ill -'I ae *- Awed owe that acew gong any halite pMod. Ilrid. the tarts of you ostear W- .m w mane the dye to wive tee m be awe may fees wdarorx pnor nudSci a-, to 4 wWmu weang .m dQh[ w saw ter ear Of alMmr er a lair Ise. 5. dinette you am of of this a nuunbership ent. fee ;pas on the NorA Chic dnmsa, you hie 3D days tram the gee cob .`terns-. ors mailed to you to amid P.yite ma fa at w here such fee credited w you it you uhed your .hoar... Duiq his Pealed. you my rorntlnm to rum you a®ud wdriour h.iho w Pay ae ...*O tdp Le. To anneal you emote., you awn nodh w by cite err Ctetwar Relations Dpne ere ,tee pay y.w Now bad.- in full ktodardag th waerwberNP Shad err. w to mr of to 1 irty-day period 8. H Y- Cbaw You Aaa.aC you can repeat w date yyouaur aaatae by cite ou Creeoar Metal a Depeamre. ram d--y your craft cardW and acc.rad ara-=. i ncei A p arugho it d bNSng. nd mom wq you ecmu L H you CIO cot ranml praugmritM arch g.-ngetraarm, w gill corwdar raoal . W a doge your armedtelou w reepan you tone. AmMemdY, you ¦ci.n vaA not be closed ='V m peY A .lane you cove era inncludvhg: any cdoua You ha auhM:ed, .genes verges. Paw due ties, oredianie boa, retuned pay- tea, aaaln .dram for and airy Omer fee teesad to you ewua. You are repaalde far In- Oneum amtam try appear m you .moved Of 'he tea you rpm to care to .Kann . they an i fed s6sgan to tin your regcreer w dare tae aexmaw. Th's may -u h Burros appalebte m you aeeoud ohm you Ira _ your ..Len H it furs already been clueead F. ezampe. it you au*mind a purdme loom a merchant and w recd-` the neruraeden Iron th merchant aher your account hear been doovd, your -oua wA be mope ed, the a nneum of the red ba ,gdsd to yea ..ram. and you ova be fa paynhenht. if them is , na darabip be for your acCuUM the fee vA om ae to be doped, to the cave p -gin d by low, unN the arrant be&- bat been paid in hull as darned above. 7. U+ig Yee A.aneLY- cartl ot .`-anti cannot In and n e.raretti.ra whet cry :acme, ymot np e. Notice Ate/ BOOO-s Csek Camera- When you p',Ade a * ' Or p. W-., you awhadte s either w ue Mbseadon hmn you deck to make • one item elsctmnc had.rera.far ben your bank account or to proms the paywava s a dock im-cOOM. When w rare nloanatiarr from your lack w make an dectro is fund transfer. hods m.y be with zimmn hom your bank acceu t Or ,oerh Or to same day w recd- your paymwm, and ==. receii- your deck back Iran your T widN BIWNG RIONTS SUMMARY On Care 01 Elms Dr Ouetio s Ababa Your Big) 11 you think you bid i. wroug.. H you need mom eromm?forh orh • tneaseati.n or bid, ah. W re an a spme dine` m anon s Padbb a ds a W- for ihptiMs drown M The note of this aemnnt. We neat hear from you - Isar Tmi CIO days at- w sent you the con am bad on rick the `tear a W ablvn PPwarod. You oat our- Crammer Relations n rnber, b. doing a wit not p, your dghts. In your letter, pin: w th fdbwig pion-don your name and amass manner. me donat arnoura of the dapened env, a descdpdm of the ever all en e7plantim. H Potaibb. Of nary you b`a`re thin it arm, s H you road none, nlomatiun, a description of the inn you an ma to bout. You do not ha to pay any amela in queeda who. w am k-doeig it, bu you are sM .baga nd w pay am Mss of you bid art am tea ==== wsapam you Pes ion, re cow . take any acr)on to cell.. the aoaua you Area - t,t special Wde For r-dii Card Purchases H you here . prablen him the quality at PMP gy m annote IM you Purchased wan a credit card and you new fried In good term to ca ect the problem wbhh the a .1mm, you way hoe it. right al to MY the regaining amaat due an the property . services. You here chi. protection only whn " purchase, puce ors mom than $50.00 and the pudic` ors mad. n your home sae . w own . waahn 1 OD pdia r your -0.9 addnw. Of aperatA he rmw9ww. ter N w -= you Ihe drenisvnvs e. the PreMny or services. alt P..I- - rowed regardless o ma-al . )oration of Punch) Please nrwaner m sigh ad e.re:spadaaes. t Dt- aof apply b caa.vav -fit card accounts t Does of apply m bastes --adit card accourws Caphal Ocr a hods intommtiott ;`wary Pm-i- sae our waahe a wMW.capdalo e.carrr. Capital Ong is a bdnMy mpeved service mark of Capeal One Founds C-ponnion AS ftim -.erred.. 2x73 Cann" chm DILOLBAK i' a. ghee Period. You wig ha i anirrdn pane peri.g d 25 days widwa firm Berge on rrw ptrrame, new bmerrs tnai.s, new ob przatm all rsw ae- Wrpea it you pay your teal -New Balms . n .ecoagerhm wbh the important Nodes for paymwa below. all n tens for it to be n:radned by your era eatmamw closing dew. Thee as a prate perod on rob adaahma and special e-lom. In addition, thorn i- On- Period on any n'eeacrion H you do not pay the road -New babnm b. ^..ft F ahwga. Trrnnona rdhiclh am me sEiw to . Pam period .tee `rind teears damps 1) frmn to date of de ton-ctim a 2) from to data am nanamo an is promoted w your Arova a 3) bam the and coder.. day.1 the `wren blig;mina AddoonmAY, it you did not pay the -Now Marra' hen ma Prwndnae amue w bNkp peed in be. franot chap- --d- te yyoocur rapid balance uW she unpaid balance Es paid in hall. Thi. wears amt you may W owe firms drips, ereh it you pay the eon New BWnca eadicafed ou aw Boa o1 Was maerwa by am curd mourner t cbmi g dale. but did rat do a for the preMas mash. Unpaid Sna- ceroa appdmbie aPwa m War Arxee< aR added w in. t c. lhT hw.nn F ChwW A. each being Isriaa Itter your --tat W=I* a s dhange, a aaa=h. fed RNANCE d $0.50 wu her iePwd feral Sm- ch.W raadti g Iron the appanatim of Your pad.fe meW a lea man $0.50, w wM subtract amt .moon ham ere $0.50 mkdmun and ere dilemma wnw Im bided to to purdua mpne nt of you aaoua. t d Tm pama y R.datimh ih Fnaumm Crga. We naave as d¢a w - eases arry or .0 rewaa chages 1. ary 10- 2. A•wega Dar Daily Iknihdi g Nme RadhaaL a. FPota goo dmrge is calNated by mtddplynp to dally balm of mch a - r your .zou t 1w4;.• cash tl-, package, apadd naabr, all Oche P mheam) by the mnmpondnp dally Moods mete) that M been pm,iOL.ly ddiaed w you. A. the and Of each by dreg the IAig period. me ryply am d.4Y Paging rose ter Pads .otTlwi ,i amadd om bigesadd up tar -.wain al a- data W.l.liers to .nos e ;Mode an.eee drtee W mrh a. W. .tl up am rests Irani each .epnwa to and a the .nil;.-rode reurem charge for Woe account. To on ter d dy bd- for each aepeem of your anent. w take as b191 bdarrs fur each regmds and add cry new trerYatel. and any Peiodc Marc` -h-W mbaLted co 11ha Pren'bas day's belated for the aapnwd. We thorn erelncl arty pay. - S . aWn posed as of Ved day aW .re aAOcated to der ..W-M This y a sere .Mme diy balm la etch as. Of you ccoud. HO-. H you paid Am New palm shown on Wow prerses earm a+t In W tar if you new b.W- ova ten - • credit eamn0. rrw traaacaens *.h pour to you Pradea . apsdal puwduse agmes an not added t. 0. d.dy balance. W- is nnW. of balms t.oeder d wing the reenbyy red A the f the days n th agedan billing cycle. To talWae your tool Aarax dmrye. muhiply Wow .-ge, daffy balm hY err daily pahaodc me err by ere nunber of d ya in thin loaf g Period. Due to reaWg an a dally bade. rem my be . might adenm between 11th calculation and tk .moot 01 hence dm acutAy, asamead. b. H fur code Z . Rapp- - the fr.s d aft mean.d as w'Bidence reds Apoed To: w mh8iphy the . _ 39611M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 24-KT. GOLD-PLATED Magnetic Watches Magnetic therapy is said to ... • Increase energy • Relieve pain • Accelerate heating Please send the [nW*mea4 watch(es) andlor nMents Watdh(es). Please charge my account $29.95` plus $4.95 stripping and handkng per hatch, and send to the address shown. Please charge my Capital One• account number. 5291-1518-5636-1793 I niffido eapan One to twnrd this em*M Whoh a,rJ-a- my e-9 mane. mr ciny p- an cry bsha to the company that pmWdaa thn P-W Signature (valid only with full signature) 299142 Detach at perforation and return in your remittance envelope. FOR cap"G - CARDHOLDERS LOUIS U RICE JR 306 S YORK ST MECHANICSBURG PA 17055-6302 cap"Onee Account Summary Previous Balance SS37.91 Payments, Credits and Adjustments $122.06 Transatfrons $4734 Finance Charges SS.72 New Balance 5471.91 Minimum Amount Due 515.00 Payment Due Due March 11, 2002 Total Credit Line SSW Total Available Credit S28-09 Credit Line for Cash $500 Available Credit for Cash $28.09 At your service T. uB Customs Relauwrs w w report a loo as a.1- 1-NO 903-3637 F. free online aecov.t swim and special ruatomer n 6m, log on to_ kdoneoom wvw. P Sod pgmsab ro: Sad i. a 6. to: Att.: Ranin-. Processing Capital One Setvi.s capital One S-k. P.O. Box 85147 P.O. B. 85015 Riehmond, VA 23276 Ridua-4 VA2328S-5015 38272M CENPUZZIOW, GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 JAN 12 - FEB 11, 2002 Page 1 of 1 Pa yments Credits and Adjustments 1 18 JAN ELECTRONIC PAYMENT 512.50- 2 19 JAN OVERLIMIT FEE CREDIT 29.00- 3 21 JAN PLANPLUS 8DO-591-9177 01/19-11/19 16.50- 4 31JAN ADJ- PURCHASE- FINANCE CHARGE .09- 5 31 JAN ADJ- PURCHASE - FINANCE CHARGE .54- 6 31 JAN ADJ- PURCHASE - FINANCE CHARGE 2-22- 7 31 JAN ADJ- PURCHASE- FINANCE CHARGE .13- 8 04 FEB ELECTRONIC PAYMENT 12.50- 9 04 FEB BALANCE ADJUSTMENT 48.58- Transactions 10 11 JAN PLANPLUS 80D-591-917717!19-01/19 $825 11 12JAN OVERLIMIT FEE 29.00 12 11 FEB MONTHLY MEMBERSHIP FEE 6.00 13 li FEB PAYMENT PROTECTION 1-888-527-69D4 4.D9 Register today at wwnv.oapinlone.mm in arses yew accoura online Your FREE asses will allow you to pry your bill online, rhecit your balance and view your sa*emen* It's quid:, easy and scpre! Finance Changes Parers rn-re ridefor imporfaat i.farraatioa Bat-r.& P-iW - A ,yep.dm mtr n' PURCHASES S518.59 -05425% 19.SM 68.72 CASH S.00 .05425% 19.50% COD ANNUAL PERCENTAGE RATE applied this p=wd T PLEASE RETURN PORTION BELOW WITH PAYMENT- V 0000000 0 5291151856361793 11 0471910012500015008 New Balance $471.91 Minimum Amount Due $15.00 Payment Due Due March 11, 20M Total enclosed S 19.80% Sues Art If Car Sea ZIP Hans PMa Ab- Plea #90043374978630536 MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O- Box 85147 r ® 306 S YORK ST Richmond, VA 23276 rv MECHANICSBURG PA 17055-6302 Itdtittll?u?l.alt..Itllull?t?tlltttllt.tiltttlitttlltrtlitttl Itttlllu??[Il?u???tl.ti?l?ullt.t.fl,ll,ttttl.lilttntllt??ltl.l Plcare tmitcyrorr amount .amber on yms dW w moray order modspryabk to C51,dd 0- Ba.l and media tlr calmed envelope. 1 Great look and feel ... Poem" 150& psaagjnt Magnetic Thcapy -m _-d %I 24-KT. GOLD-PLATED ==r S Magnetic Watches ?¢ ? , occond ? aadpe mhlemrba ThPrny of Magnetic Healing ica, dwwond C b i f m It is said that the magnetic field attracts and repels dtatged s m f ¢ o o m ww,rm . mylw IX-00 posidea particles in the blood, creating movement and heat watraitl -a?iHaat Many believe this process helps accelerate healing. ? nwatd suulr$ mrrl mn.Utmas Haw)w heardr Magnetic therapy is used by spats p,?as quarmsootcmcat prokssionals worldwide! D;ciom.e rack dear with safety chug 'Subj.. m wadi, Fp.-L MN ad IL ,.W- -a oppl'aable to a rn. Pi-em atom 'r5 d. b dd.ap Olio -pro , to 90 `Soya ?w •eYm a mr be o.opladq seidted warn /'our wC^o+c Tyech(a) a renhm it widhim i0 toys far Jas • 3 lack. 7Ve r. l u lie o rbw dkr k a(k eel by j-l7I)ikea. Inc., +I:rL s scaly ynmfi4 6rde pmdra: J-0 lX.sk, inc., 7580 TSrcekkr Bkd- & Ino'e Park YN 55426iSt9 i me s10med +ikb Cat+nal One:rd u wkly repoas'bk for he pmdam ad arnica By rapordng or 6i oR , you mq he rammemi-LieE iofoomrieo abow 7e, if m 61 mopmy d" pmoida 6"s proa.rt-fi. co mple due You are o lipid One ptrArrur. 6erion: Not for - by irdiei l-h Sod vik6 odiac p.xnrlms. imerasl def?ba7l.w rod/ pesroac wwsm. Nachint in de's rmpon should be inks e ro aPw u ®plid ,Lim raga ©iog roe medic a Irelrb im}acr daub ptehbtc O 21102 Capid Ua Senica, lac lipid Ose it a federally ngimed aenire mart. ALL riabo reamed. g O N O 6 N pedode bet To bloom the arerege ddy baance or due Meng pond wm red by this memrmt, we take the beParq bolerce of eaeh» asdt day, add eery new therm e- (I m each sephhes, and mESect arty paymame a ooLC k cone N eppse on the Irom of this womem r sae ae 'Balers Rane Applied To: we else mbna any unpaid frame charge wooded M the bale- 1 ern warm) This Vb as the tally belrce at each 7hmk, we add up all the dalyy bWew br each supra for am basing (rood ad 6mida by the laud rearms d ,try in the breep pond. This III- w the -wga defy baomoe d each aegmew. 3. Aeand P.raesp Rats (AWR. a. The teas'Ammal Percentage Rene' may aPPasr as -APR' as the boat of Iliac eat raem. b. N fhe code P paired, l (3•mo. UBOM, C (C.M11-1e, of D.Im.Q, or S IBardosrA Panel appasa on the fra. of ". wo,em s sea re to [rris6c melt). the ,alas and arreroehdrm ANNUAL PERCENTAG RATES may wry groedtr may be- or dsc,eaee based ro to tow" ohm, s food In 71. W.Y Sbeof Jbrrr 4 pks tot w ; pas iwdy 6edosed to Vw Thse dheys we be eN.C h , on w bar day of your bang pedd sabred by your periodic -loom. en6ng ih the awanals Jesmry, AW..hlY rod omobo. c. If the wade D pare), E (1wt uBOro w G q+ro. LHM impiced Mpddy) approta m dw base of yw nefteerit wet m the pariode meld. tot pa. rotas atl mrmParca9 ANM/AL PBiCFMAGE RATE wry wry medtY stl may inerasse or decrease heed en the steel ihdes, as fond o Ike Wid Sbaer./ahnaat pks the wryn g,.rmhafy 6aclwASO Vint Tlhse Wrpea wA he effaoie an the far by W You baLhp pedtl each womb. 6. Ataammed of take. Dwatl[ aad Ramnntl Payehed I-. You a¢eea .0 be aams..d ro roam trh two of the tees led how t m occur dutng army bW y period. Under the teem dapeetrweaa: we mane tm right to w== any teas mrrthaea prior rmilcation to y?twwtUre rrs,p w rkdht m areas fhb see ot an filar }easml.v elan 5. Yw Aemue. M • ,eanb•taliP Ise pproa on the bog d flit eu mars, you Ire 30 hey tee, Uhe dace tin seems was walled to you to ewkd payig dm fee to so hew mldh Ias cw6ed to you if you taray you accoua. Duip this Plod, you wry eumkom to ewe Y•as amotea wlllmh hemkhg to pay the m nheo,hbereip fat To r=1=20D" your rotity rot by wafmg epartmet ..d pay apP? tow BNtns' M rich hodhrd+rp th m. H ?ou Cbs Year PA t Yw ran mpmn to dam, . yyoouh aeeokot by =d="'== aerr Depetkwed. . whd canr pramol ofttl ed 6tirendr9, c a se '? acmesa N and co eeame a/eq_ymar r a you Ck, do M rs cm dhwlttal tmA taillowlro was we rnr.dar of. rrecetpt d a drop yew .y adrlabm m mapel vote r t he d osed n ve. Pay a woe you 'meet will ro man mp.Yr ?ms s, tease tiwm you /we mahdatl, ihwce turps, psm due ins. omerfint t roared pryrhham has. sash dens fees atl arty when few amend m you ccoura. you are nasP•mbl• for them ameats whether dwy tppsr o. yew exam m elm tine you request to dos to atware at they am ir-ral m6..Qem to yw rape' N dose t e amore. Thin my hearty or duets aooeahias as war amoral after you hew yoke account R It has ulmdy bran ck eed. I- N you aedrsad a purchase tote a wrchant and we ,..1- ere wowgtow bom the merclrre rho your acswa bra been closet =t.=!;: I he reopned, the ashes d the drop m your accoua, atl hemgoile oar pyaam. 11 from Is a lee par your accria m, to fee wd com- re be rcwpa I m the mama pese)tttl by law, mail Ne account bairots has been paid in hd as defined abo t. 7. flaio Yw Aa.hre.Vw or acc;r orrmt be hhaad in kaemcaen w,hh m;:;: rarhea prnb:i wormacrieus. B. Neriee Abbe Banes Chack Cnmm k- When you p,omfde a dad as payers, you mahtl:e us tithe to We.. . from your check m make a one-time Necuss lad usnoler am you Ifarhk easeas or to proses the P1Psrs as a chock not-mien. Whet we mm ehknmaeaa . from your check to make an olearonic fad trhslr, lards may be widtbamnh from your bank account as vas as the save day we me m- you mcaim your check bad from =%"-d mn BILLING RIGKTS SUkU4ARY If. Cass Of l; Or Members About Your Biel N yro flirt you be I. main g. w it rat red mom reermago e as e smrwctiore u be, write m u err e ..paws them s moan as Potateo at the add- le kpunee alone an the team of tin samenem- We must hash from yet as lase flan e,0 hays she we mat you the fret be w mdad, tot aawr or prohlpn appeared. Vou can rase w pmt, Kahane- reseber, but doing ro wit rrw Praseme year dgk pre yw I .r. Sim. ro tlhe fellow ing edomwlroe yes asnr and awe rusher, tr cellar NW an reheat d tom ran o, ff hoer, ¦ d y- el the emu wit Vo.in q H reed d m sae l., khmd..a M " you . be deacI cts there is wr mom; ro o H Va o heve t P y of the hot. you we here .bur.. You do rem o wY arty aanon t o gesr:s AM. y he am' k, but you pane of yw be dui sw rot m out ohipaeed m pay the in groatot yllhie ..are ihmstpx Vouo Venenlon, we ..mint stro as as /efinpmm u fat. why anion to called ore nmkaa Vm queabor, t.t special law for atlb Cad PkrW..s If you hew a pr.blshn with am quality of property m ..hiss dr yea pudrsed wanh a craft srd ad yes hew and in get tafrlh s tanect the problem with the roedtrW. yerq Isar the nkptt we to pay the mrawkq annaet dm as the faawarky w xmic!m You hew this pwewion oI%metre she puwdae p1r mma more than $So.oo ad tot ptecfrase mss'has bh your honk -m or Wdre 100 mla w year wuieg add- (n vhe own or .perm. tot meera_ or H we mid you the adrenwmsee fu dm f•openy at services. all purclamet am mead raOsae•as of ernmea or lostion of pkedhe...1 Pals armed- to alp as - milandohce. 't Dos nor applyW cosmeme mnospr hard soarers t Out ear apply b book- mnoa 0 ward accomnrr Gptul One rampew iaoe.atoe pNacy poaec,- see weD.ite a mwmwcspfrtlehe.sar. me w Ceoid Ones 's a Tarbriy regwd esehrice mark of Capital t.. gram Pori .& You will heve . n"- grce pdd of 25 day mki m l rmmce charge on new pudrsas, hew balance u.all-6 row pedal prdmap and new reeler drryas R y P. Yw halal 'New Balans', in ,asre.o z1 h she tnnpornra Moak* for peyaews below, ofd NO time for ft to be crs6md by your treat makomee cosh. else. Thee It ro =!=- ash and phial trarrfew. In i. ro puree period m "traeaeiwh if you do rem pay the total -New bar-.' b. Aeeuing Firome Charge. Turmacdorr which am rot wbiwa to a grace, period am aree mead fiance charge 1I bee the doe or the -.a- or 2) from the dm the "mason 1. pmssrod to Vote Accohae or 31 from the mm colem a dry of the otrasa bM, pad.. AdMi..I,. It ye+ 60 nor pry the 'New Balwce' hot. the pmnmw being goad in b/, inanrs charges smieke io accrue to yyootue upid bulance seat the tepid burns I. paid )n la. This ammo tart you may oe owe arsre 'urges, awn if pay fns eraiw few galena badeeaw on the tar[ of you late 6d M Cle ??hee by the prawkes s mordh, tkhpadns charges .m added m the "fific bl• ..Omen of your AcCare. Web- (:amen Cnwge. F. each bK" period n ar you amore "m tedjact to • Lrrce Whp, • miar,hean Coal p1MNCE WARGE d 10.50 war be uproar. If tot total seance charge hemming farm tot spplic ton of your perfodhc hem s how then 50.5o, we will ob= that aoeee hoe the 50.50 mink- atl fhb df*m- Was be bed m the pm3ms ssproat d yw a¢mae. t d Tres parary Rod wan (n ear oat We rserme the =; oP axes any w all Lures charges bx any qiY 2. Amraga DWV 111-home If O New Redmsl. a. Rnonce chop Is slalamd by aradOorg to dally balance of each aephoa d you stews le.g•, wash ,deers. pun . . . Waot I oweler. e..pKW purchase) by the ..... p n&V day p-clic wmW that him ban p1Ctorr drdo.aa m t ot bairo Pad^e. `w Nty?pedoto6emeretyor udph we aPP1Y so pm ne of yobs aeemrs m t ha daily btwee of each .agment. Thane an Ohs ad of tie bIWq pond, we add up tr n ." I them den Z.A. to at m yme Pni.6w abeans drape fin aagch sepert Was . of, the rewws farm -ch spurn to amw a U. twNapoi f, t U.- erg fu two a®ua. To p t ho dally beeaca fe eedt oipra d yw acraut, we take to begiodrep atl balancs Ion made apnea add any taw usmoc" N,d wry paie6c harts charge calculated on the pehiero day's balance for that aafprrac_ We then .,bran arty paymMS or aue6ls loomed as of that day rho ash doted to and septet. This Ohms to the •grram tlelly behave I. each aagahan• of Vow acc mina However. N you paid the Now Babe shown en Vw pemom ataeerrora n kf lot if Vw new bdwta was zee or a em& amour), new oterace-ra which pow fin yw perdwaa a aIm" .. me y belames. We calculate tot amsage dolly balers by deng all the dory We- sogetrr end d kkv the man by to nunbe or the day in the weret NWhp cycle. To haladste Vw two[ =;m==L yavr emerap d If bdance fry me y Iha nrebe d day m tot bung ight wdDue at ss e ? this calculation book, ed them the mann be . e mre of Lrh(a rode Z o d `F aekm Fur. on dm amend. from of this stateroom b. If tot r N app roc fin -Balance Rate Applied To: we muboy the 38272M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m_ Payments addressed to our Vagina or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT_ Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. FOR capita Cw CARDHOLDERS Try Stress Ultra free!** It's worth S 10.00 and its our gift to you without any charge whatsoever as a trial member. STRESS ULTRA-THE CALMING NUTRITIONAL FORMULA Combat stress and its toll on your body! • Restores Key Nutrients • Pbwe4uI Andozidant Protection • stress-Easing Herbs Plus Stress Ultra soothes nervous anxiety' Try it for yourself, FREE. it's easy! Just sign and mail the Certificate on the other side today! sa5soo-01 Stppp 71y new STRESS UL7U as a FREE GIFT 13Yfma"GiP m one G1t1Am m LOUIS U RICE JR Mail your personal Qnifiratte to the back to get your gift! .e om heen eukmd by ?• rcad nd nkug W.i.lmason ed n ? ttuL ase a pewN.ny direase W,= -.5 Eem Un""Nr Na For faster delivery of your FREE Stress Ultra 30-day supply, call GVC toll free now: I -800-55 7-2520 C C E 4 (THIS TOLL FREE NUMBER IS FOR THIS SPECIAL OFFER ONLY) OR ENCLOSE TTus cErnFTGTE IN YOUR GPrrAL ONE cARD REMrrTAkcE ENVELOPE. cappitalow, Account Summ Previws Balance $471.91 Paymeuu, Credits and Adjuumena $25.00 Transactions $4824 Finance Charges $7.35 New Balance $502.50 Minimum Amount Due $15.00 Payment Due Date April 11, 2002 Total Credit Line $S00 Total Available Credit S.00 Credit Line for Cash $500 Available Credit for Cash S.00 GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 Payments, Creffin aad Adjustments FEB 12 - MAR 11, 2002 Page 1 of 1 1 IS FEB ELECTRONIC PAYMENT $12.50- 2 04 MAR ELECTRONIC PAYMENT 12.50- Transactions 3 20 FEB SFW=#201 MECHANICBURG PA $11.28 4 22 FEB SHEETZ #2oi MECHANICBURG PA 6.75 5 25 FEB SHEETZ #201 MECHANICBURG PA 5.06 6 25 FEB SHEETZ #201 MECHANICBURG PA 10.777 7 26 FEB SHEETZ #2ol MECHANICBURG PA 4.01 8 1i MAR MONTHLY MEMBERSHIP FEE 6.00 9 n MAR PAYMENT PROTECTION 1-888-S27-6904 4-37 Regrata today at www.tapitalone.mm to access your account online- Your FREE access will allow At your smite you to pay yaw bill online, cherk your balance and view ymR sutemetL Jes qukk, easy and To call Cuot Rdetiom w to rapon a Tort w stolen wd: secure 1-SOD-903-3637 Fw Lm amine ilt-i rwice.nd Pedal aura.. 011-, log on to: ww cipbaloncco. Send P.7.ems I.: Sod inyui[ia to: Arm: Reminsnm P.mi.g C.Pinl One SenSm CsPital One Senim P.O. Bear 85147 P.O. Beat 25015 Rich-A, VA, 23276 Richmond, VA 23225-5015 Imoorrant Account Information IMPORTANT INFORMATION: Please see the new section, Temporary Reduction in Finance Charge,' on the reverse for important information regarding your account with capital One. F-manoeCharges Plearereeresmefipadew?rimportantiafiff a_ ,yo?6rlA+ rQr dPR r ??? PURCHASES $98176 .45425% 19.20% 57.35 CASH S.00 .05425% 19.80% 5.00 ANNUAL PERCENTAGE RATE applied this period 19.80% "275M /?1 T PLEASE RETURN PORTION BELOW'WITH PAYMENT. T Capitallone, 0000000 0 5291151856361793 11 0502500012500015000 New Balance $502.50 Minimum Amount Due $15.00 Payment Due Date April 11, 2002 Total enclosed S pk_, r:ar a- 4-g. ;"6. _.- Q_ - R.& _L Suss Apa e C-n7 Sate ZIP Home Ph- ALeeare Phone 49007137497863054# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR Box 85147 en P O 306 S YORK ST . . Richmond, VA 23276 v MECHANICSBURG PA 17055-6302 Ittltitt1 ltttlllit1.IsIIIIIIII1111 I'll Ill. till till 1.1 Pk-, write yogic acount number on your dirk ar money order malepayable t. Capital Oae Bank and mail in the endeared enoeJope CERTIf1CAres wrrN vA1Lt3 or S5.00, 59.30 AND S MOD ISSUED rlY GENERAL VTIAm1m COWDRATfON To SELECT CREDIT CARDS AND OTTER nRGANIZA1'mh5_ THIS CERTIFICATE ENTITLES YOU TO A FREE 30-DAY SUPPLY OF STRESS ULTRA (a $10.00 value) "Plus, you automatically will be enrolled as a trial member in General Vitamin Corporation's vitamin program when you accept this FREE offer. YES. please enroll me as a 3D-day trial member in General Vitamin Corporation's vitamin program and std me, at no chair or obligation. my free 3D-day supply of STRESS ULTRA. I understand that, unless 1 write or o6 to carl¢I during the 3D-day trial period. I will aidimp tioilly seceiYe a 9D-day supply of the same STRESS tD3'RA supplement every three months for only 529.95 plea 53.95 for delivery. This amount will be billed to the Pudtasesegaem of my Captal One credit card aorount. 1 understand that accepting my gift sample does not obligate me to continue and If I wish to mrKZl my membership in the program at any rim I can notify General Vitamin Corporation by m$ng tell free I-SDD-323-6452. In any case. I may keep the 30-day supply as a gift Redeemable exclusively b)r LOUIS U RICE JR, 306 S YORK ST, IVIECHAWCS$IIRG PA 17055-6302 Account No: 5291-1518-56336-1793 CARDHOLDER SIGNATURE (vald only vAM full signature): I authorize Capital One to klrward this mWM whkh lndudes my acmurR number for biblg purpose, m myheha8so Gememl Vitamin Corp- which provides dds product by responding 20 This oiler, you map be comm. ices ft irrh rem on about YmtxN to General Vitamin Corp., which p mddsth's plodu0-for compke, that you are a Capital One omoms GET Yom FREE s r o.oo sAMPLE FAs17 CALL TOLL FREE 1-800-557-2520 ENnTLEmENT NO. OR ENCLOSE THIS CERTIFICATE IN YOUR CAPirAL ONE CREDIT CARD REMITTANCE ENVELOPE C C E 4 TNC otkr k mstle ass wsmored by GVC • Gahaal Vrtrttaih tarp., P.O. Bo: 1500, Chepd 1Y, rC, 27575, 7X00-313-BaE2. Cmem nl Vnsmkh Ca ,p. is at affiamd eh C..0 One and Ic fcaly reep.aibia nom its gOdlns and seuvipi O 2002 GqW One S-.(_. lmt OrLr Qaa it a federMy napitad teMee mark. AR righo referred g o o a O ? N lip n begim:p balerlm d Imch aa'- aadh day, add any new Irlr ea.b.t le melt mgraat..d rritrara any payme.f a dodo. Of The Cali N appmeo me The from a ink Mmaat ram TO. "IlflsQ Rma Arpied To: - also atbuter any meld *.- ciarF included in is Wlamet of sell ) Thle gam m tie daily belen- Of tadh 7M, noon add !his OsAY bflehhcaa 1. each mm? == billing by The food seghnw billing parid ad 6sda narhber d days I. tr hairy paid. n- ohot - The average deny balom d mdh IT-Bee e. 3. Anmad Percentage Ross IAPSI. e. The Ito -Assoc Psmrte? New- oy appear m 'APR' M W hoot Of rite dn.masr. b. If Ire nn& P Biel, L 0LID=. C ICenificam of D.pothl, « S (Bathed Pdand gpms m She flat Ol of Mmmra real to tha p oiar¢ -am. no" Ift rat. and corn, Grp A1MML 10.C fAO RATE may wry Pmn.ly a me q khoss te decwwe Msed Ora the Mad :dam, m 1..d im 17e 105OR Saint Jaaat riot The mnP paatadl, dedeaod - V- Theme dorhgaa wen be -N-6- m doe a.l day of your telling pedot mewed by Vow patent Mover. mdM in The n ondt Jararry, APg. A ad Ocoba. c. if the code D diem), F tlyha tlOIO -60-. LIBOR Rapdted m.diyg apps. m The Lmt of your, ..,roam Am et Ill do pakade volt). The pedo fe mss sd -mapmm6y AamUi%L rENCENTAGE RATES may very w.,wy !t cry b0 w deamse bNo d an the Mw wdcm m fowl la lie nip street Jot et, pkA The aarpn pteviandy Qaada.lto yae Thame c+angm wen ties sfkcfive m The is clap d testa paiad each .nowt A. Atimmo mt d Law, Ov Teen ad RrarW Paym.t Fem. your acezure will be award an ow Tint Iwo d hie feet TWO! There not acv daffy.e?itray ITWOd Wader The lemur d y- am.na apmiaeet. ma - Te isle To vaiva nest TO aaso try late teldeem pd- nodie-im to y.I walew, w ideiry ma Tight • as a we em . Ow"r km .. Itfor Iwo 5.tR.Tewkq Your AOesA. R a Dried; fme ppeam on She boor d this smwaeat, ys true 30 Guy Iran the dew this ansat am -~ TO you TO 'd parWy the is or to b- tale fee wad had m you it you coned y.1r acme. Draiy fen pedOd, yeses may ow.het to rte purr aasam Midst tr.My - pay the ...bedip fem. To csroel yaw .a. I. vet tom noefty me by co'- n for halve. id.i.t Depar.a.c and pay ypor New 1ldaee- i tl led6y The rnembarttip 1.4 pd. To tr and .1 tY nai[Y dry period S. R You Clare Your Aememd. Yw M .pmet W date pyouom .CCMM by taffy ma 1]ssmes Pdeti.m .=-.= YOU aaa datwrr yo mill oa01d and co arm dherts, OOOL a• ps/rwaw bRihhg, ,nd il naive ?o +y pu aaaoa. R ys m ro meal pm.uddred billy cond. ramps of . daps limns mdmd.A- TO, ..opal yae coz,eg. Addidondy, Vow aemlat wit o be domed phtg you peY en aseous yw ache s iheNrfia wry rye d- fam. . Q yw halm a e ffmas! dr , cede des teand l tw o ma." od paymad lees, ad- lee-.s and try dm lets stow wete e W IY aesrm whether they pYw sme f. : they apmr on m, o « a lm seta 64 our >k Yas yw .pea to else the a®tIr They a b -.d aemQArlt lip ax.rt. Ti"r try red wl yew reglart w cafe he W rya appaadry m vow swat agar vest live Volt accmre if h ass abawy bean dined liar -.0e. If you aWerzad a Peacchheme Mae • maaeo. and we receive The traroeean Mow fie merdrm after your scours has been ek 4 I'ahr acceu m eau be mopwwd, the .rnnala oftlw drr¢ wn be added to your arlwa, end you veil b r.WOaRk to ptry.enc? n V- I.. r-.b.AV 1me 1« yam amw4 the km will -- To be charged, w The oat peeaeTad by law, Caen to eCaUm balace has been trail in ii as dsLed above. 7. Ueing Your A.-moLYo Cad « acaua Omot be sped . ra.hettiee -1h any Tm- penbloV Iremacrirlre_ a Neti- Abwd EW.6moie Ch.* Cmemrsi- When you provide a h.* m payee, yw adake Is either to use iiwmnkn been yo cheek w make a Ohm-Oem electroelc kod aamkr Male yew bad, aeeo.a or Ill prorass the paym.t m a dlsck mmacdah. Yeen we lnkrrnmim loom yew deck w make an ehecTnorit use fwd harsher, led. may be eAdWreeo holm your bank a..Opa - coal as the lama day we reCaiw yin payment, and pu veil rha raradee yaw check back Iran V. 6TmnOial klmrUdipn - BILUNG RIGHTS SUSSMARY Ile Gw Of Er«m 01 Gomel- Abo a Y- 8111) If you think your ben is woong, « if you reed ewe idormaion on . lmrmsdm a lei, i ie TO ht on a separma Omet to emh m pofile . The add.ma for whprdes dlphln TO the Irma of Yw Mmhwa. We moat near Iron you TO Low Than p days ate, win saes you The fiat bill m which the error « peohkm appmrcd You can cd our Cutmner R.l.d.t meet-. b. dewy me will raw ==,= pw Inter, knowing .tad access. tastiest, The donor anelnc Of " Stepeeted Omr. a desopam of the era and on elplaredan, 11 psWk, d why you before them is N you red raw kdoaaahnort a description of tlhc hem yw arc tarue ohms. Yw m raw hue To IT cry amoat ti 9dsaala^ vTilge wn a.:wmsopauy ia, bur you am OR obigaled m pay des pant at your ben got am not in patim. White win alrlYga. yea 4le...k line Ott. report you R dolimpow Or Cad. any acdon to collect the hhhousx you prmoon. t,t Spacial RWe For Comdr fad W Want -4 that you gaWwd wd* IT Toedf oA ad you hive add in good Wen me rates the pnoblere with the mane.. you may have The tight raw m pay The remaking a- dw TO d. pmpeny - -We- You have This pra.akn oily ?Timn go pu ho tie: was - than $50.00 and tlm pumimme ws maG I. your h- tam or wilren 100 milm of your ehaY y addtme. in we own o operate Tha marched, or it we ¦ailad pas Tin i-nimerme m lur " property « ssnices. as pudoam are rDraed mpardea d aroma « lowhm Of purWae.) Pleave rem.nber r o,9: ti c«reWOthdtee. t Does nor Wy b natvtmr me-seal( r.V ec 1, t Dore not apply m hwdoess acm-tdir eaed aecolrlls Capital Orm tpports i iT madmh Pi..ry prosecron: see our webdm .ne I. www.ciiphokne.mrt =-1 O • fadaily Iep"sterad arvioe mark of Capital Or of M-1 CorportrTat M tight mmervad O 2003 6.4K t Now. To Avoid A F Omrye. . Grace Period. You wo I.- IT a"- pace pedod Of 25 days within ino ce chmv on now Pwersss, newt badanes Transit., row special pmdsw and trove after W ryes if YaU Pay Yrar 1«+1 -1kw eelante'. in arrandahce with do bapan.d Nld¢ for pay- below, and k it.. for h m ha Ora6Td M you note satetetom dosing date, There is TO pae, Paedod m eTm h ad- ard apedd vsmkrc h addnio4 0- i. re par: peril spry tr.nc?aclion If Vao do not ply the lid 'New balance.' b. Aehwiq F Merge. Trsraaadmis which am al .A*- to • grace pared ass amomed I- dirge 1) from the date of the Tmmaai.n . 2) it- The dam The transaction to processed To you A-% « 31 alter the firm Calendar day Of do cunaft bi rag peed Additionally. if you old TO, pay The 'New Balance" for the proWo s billing period I. Id, rrwm Clttgaf caleaee m ScIoI a to yon unpaid Wltonee wN de unpaid balance is paid In kn. TN. - That you may atR owe irwse Wryer, arm if you pay the waim New Balance kid acted TO The them Of by date. not do w for thePhedots reorrW liprdd femme ehaqlaa am added To the appliotle tegamer d you Acmum. t c. Mn- F 0-9. For Own biting period That yew stxoun ifap ea to a frrhce drrye, • wwliwhm no- teal FINANCE CNAt d u10.50 wen 4 iaPaaed If die teal is rare Wrpe ns.idy hem Ire sppiCaY n d yew paGd. eel anon from s) k hi $0.50 In wnkiessa onow and 0 . the d7kmerhce Riff. T will be Car bilod m the puduw==C=: t d Tanp.ary Redmlwh We nra.ve Yin dOk o not assess any. d Ikwaa ch get he sey given IT in - 2. A-V. Deny sloven rlrhdfdiip New Prdemeal. a. Finance carpe is calcul=W by nadtiplykp tlm deny balance d inch sepnem d you account (e.g.. cash wvahO, purchase. spacial aarder, and Wade! Petchem) by 0. coueapo day day paTienc .wW that 1st bean It. bWq y pe disclosed to ?The and daily per Of i I each ? eyh I sepn.e Of your Teams Iv IK deny bSlaecs d inch sepmed. Than . The end d The MGM pedw, w o add up the troda of tame deny cdeWsiss w adve a your pariodc %nanO Wrye for sdh aspens we add all The re"m from inch wpmes to ante TO the U" periodic ilanot Wrye for your account. To get S. Gay, balsas 1. each Ttpnem d year aceataa, we Caw Ira Iw*.I hp bdanet for each sepnam .Ind ON try new utromc inrm and any p.A dht 11- cage Calt/med m Ir previ.a GY'c bala¢e ter tot aegnat. We Reach ahbrraa any paymams or emdl. prow m of tea day tha M .RO..w To That aspn.t. Thda gdem m The span om, daffy Dalanrs for each segmam of you semi. lbewvsr, R you pad to New Balance drown TO purr grandam Mai. in td for If purr new bda or was zero or IT atilt amwti, new tlemmem em which pow m you purdmse apadal M segromme Oily ba obbymad?Np Sib denow. We baladam sam o -Age rpaher and diddrhp the am by The, memThe daily ber Of the Thy. in The tuner bWM eVol . To calculate, your l.al firmnu ere.. multiply you -wage deny bslsrlce by Ira daily period. rate and by Ir naaber Of Gye in The ]THIN period . Due to rwndW m a deny Ionia, tart may be a Lida .,I- bewaan cis Ca1o6irh and des ante d b. H (fa tod e W 2 a pp. d slide de boa In tip waemon near to •BalarcN N pp.. On ie rr Rate APPiw To: win rfilyy be 44275M Important Notice: Your payment will be credited to your account as of the date lms receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a busbless day by 3:00 p_m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:DD pan. PI. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Noonday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. r-------------------------------- ? oa+ t Show Mom your love! t Special savings for Capital One* Cardholders! 5 p/O* on your next purchase when i use Promotion Code CAP66 i { S a vel (See [eaerse for detaBs) j Save this code! Offer good all year long! Remember: Mother's Day is Sunday, May 14' t ? LOUIS RICEJR It P Q It Account numb . 52 18-5636-1793 Call 1-800-FLOWERS" (1-600-356-9377) or Click www.1800flowers-com today. /AV Your florist of choice- MA 11 t capital owe GOLD MASTERCARD ACCOUNT MAR 12 - APR 11, 2002 5291-1518-5636-1793 Pagel of 1 Account S Previous Balance $502.50 Payments, Credits and Adjustments 525.00 Transactions $98.82 Finance Charges 58.98 New Balance - $585.30 Minimum Amount Due 585.30 Payment Due Dart May 11, 2002 Total Credit Line $500 Total Available Credit $.00 Credit Line for Cash $500 Available Credit for Cash $.00 At your service To oB Customer RcV6 ar to repot a lost ar stole ord. 1-800.903-3637 oavrtc ode:, log on w: For 4e[ on6M.ecwm saeiee.nd q.6.1 w.w.npk.lonnoom Sad p.rmrnu to: Sad inqu"via w. Arm Raomance Pnomsing C.prtil One Serrim C.Piw One Seim P.O. Box 15147 P.O. Box 15015 Rifimond, VA 23176 Rkh-d, VA 21285-5015 5201M capita/one. Payments, Credits and 1 18 MAR ELECTRONIC PAYMENT M.50- 2 01 APR ELECTRONIC PAYMENT 12.50- T ransactions 3 13 MAR SHEETZan MECHANICBURG PA $5.00 4 14 MAR OVERLI IIT FEE 29.00 5 14 MAR GIANT FOOD #120 SIS MECHANICSBURG PA 5.16 6 o9 APR BALANCE ADJUSTMENT 48.59 7 11 APR MONTHLYMEMBERSHIP FEE 6.00 8 11 APR PAYMENT PROTECTION 1-888-527-6904 5-08 Register today u wwwjczP;Wooe.eom to access your amount one t» Your FREE arses will allow you to pay yaw bill online, check your balance and view your statement lea quick easy and secure? F'mance clut ges pkam,m rCLYrI ,zk fw i partont rafmm&roa o PURCHASES 5533.99 -05425% 19.80% 58.98 CASH 5.00 .05415% 19.50% S.00 ANNUAL PERCENTAGE RATE applied this period • PLEASE RETURN PORTION BELOW WITH PAYMENT- V 0000000 0 5291151856361793 11 0585300012500085304 New Balance SS8S.30 Total enclosed $ Pte rre[rJae .6V.Jrbms.efM--bLd o,! Minimum Amount Due SBS30 Payment Due Due May 11, 2002 19.80% Saes Apr 0 chy S- nP Hoar Ph- Alm[we Phone #9010237497863057# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 65147 .-+ 306 S YORK ST MECHFt1uTICSBURG PA 17055-6302 Richmond, VA 23276 , Itt{[It[II[[[I[II[[[I[lit[!I[.rift[[!I[t[fl[[[Ilr[tll[[[11[[[I 1[..111[.rill.[[.1[I[.I[1.[II[r[[II[I1.[r[[I[IIIt[[[II[,[I[I[I Pl c emit, y- oeo»mr member m, yore check m massy order mode fw)nbk ro Capital OneB.-I m+d --I is The eallal d enonrlupe 1 Get sweet savings on Mother's Day gifts for all the moms in your life ! 1-800-FLOWERS.COMe always promises you and all the moms you love: • Freshest flowers artistically designed • Personal service 2417 for delivery same day, any day • 100% satisfaction and freshness guaranteed • The finest selection of flowers, plants, gift baskets, plush toys, gourmet foods and more • Gifts exclusively designed for 1-800-FLOWERS.COMe by leading brands you trust 1-800-flowers coo," Your florist of choice- 8 O O O pp t7 ¢ p N Vet on your nett purchase when S a 5 * you use Promotion Code CAP66 Save this code! Offer good all year long! Call 1-800-FLOWERS` (1-800-356-9377) or Click www. 1800floWers.com today! 'Eaknire of applioble service and shipping charge and taus Items may vary and are subject to avallab7tx theavery rules and tins. Retsan be anted online and by phone only Offerssnot be combined, may rot be available on all ppdat? and are sullied to restrictions, bmitarions and blackout periods. offer valid though I2131M. hkm and 1 9 wewhieG to change wit -A noti P- Void v h re prohbited. O 20D6 Capital one sefvirm brc Capita One is a federally registered service mark Trademarks mentioned herein are wkly owned by yak respective envoy AN rights reserved. I-SDaH.OWERS is solely respotable for this offer and is not affiliated with capital one. Capital One does not provide, endorse, or guarantee &Ty product or servirsshown here. By responding w tlvs offer. you may be communicating Information about yomsellto the company that provides this product-la aanple, that you are a Capital one customer O 2DD61410041DWERS.CID16I B1C * I-800-FtDVYEBS.C0M* uses SemreSodtt layer MU encryption tec rologym secure Itswebsne. plod[ rate. To obtain ds .-mils daily balam 1-rya covered begiwirhp halarhee of u seposa -& day. add any r,ew 1laarsaClman{ w Inch a n atom, and OWaG illy payrnMa, a Credits. (R The Cade N appears m the era a yR narsnem run To -Bala c Rea Appal To.- sbtract any Weld I - darye idrdd i duo 6d.-b. M trfi seer .TL) This V ves - the "Y bslwc d -.h aoprard. Then, wa acid up N the dear Wsoa. each sepmn for dr bi fns pled ad divide by The mabor 01 days lame big tell TH. cure. r The awemte daily balers of edn sepaet- 3. ryra.N Paressaga Rasa fAP111. s. Ac 'Afiarr m on m Oe l fo nroo of chi. astsetnme'ers. b. If " code P pd .{par ail 1. L t o 3+ao U110111. C IC a D ep-nl. t ns S (Bs Ian ankc ID mr th(de Pdaw) pede a pp us pat ry. a co* d o1 INS a 1 , due Derln6[ a- d coar-p rA!(al. ma vanry mm6q ANdA&L aKL P61CFdQA? RATS may wary ad ad may n TA or days bawd s V v cis Glad hn6s, - feed I. .I tyt phs Iti nugn pee Gass se - w you. Thane charges; -will n ha y vau five iwe - de fir d ci dry d you nth. Api? rd ?V c. N Ile code D (Painel, F (I wm. UBM m B fl+.e UBOR Repdmd Muddy)! p-. m cis ba e d yaa satras near w pared. ruefd, Ilhe Pdadc mN. ad cos-psdrq AfaNAI PERCCSitAGE RATES nary wary momhly ad nay urns or daces bsd o me stated it.% -, as lard in Tba ~ S7aM.bs N4 pits rya mrgln p-Asusly decried w yet Thee ennngss Nt be e"actiue -rya am dry d yen big pews .. A woosav tl d Loa. Ovorbolt sd Rasawd Fass. Yw saves. will be saeesd no sore tM v.o d sls foes imd have Ia. oral doing sly bffig tailed. Hadar cis tame of your maarer spnerraald, w e comma 0. dda b waive s m w saw- ay I-s wn"es pd- aodirsim w you whlsu vmh" our die w .ass rya ram a ilia I- a • Ise doe. 5.TR--k* Yo- A-aut R a msrd acid Leo am- m rya lama of Otis Aetment. yam have 3D day. from t e date mils summa[ wm [rid To ym w avoid paying dot fm - m have sch am amfad w you it you rents Yw verse. 0uig rids pet, k Vr ary .nine To hse your .¢aae without by kq w ply she unnsnbelNnip fat To corned yw aCr.ccaa, yes am miry as by caNng w Groaner Raisins Oapor.r.err ad pry Wu New .dance la ii psidrq fhe ....be kh fee) prior to the a d of The dhinydp passL S. R Yw class Yo- A-.*- You can raWm 1s Clmr yyeanr axonal by sling o- Mmw.s sodas pepamosm. You must dollop Vaal asadl taAf(nt sad :a?auu accaw dhackc, carrel .a pleaad-bw ad cos uaihp yam eccoaud. If you do ran recd Pmuhdtd hia^D arrahaamm., vm wa rsraidar raj t d • Berge you =0Th shsdon w raps. p- txocrn. Addllmnny, yen accou t M ar he dosed udl ymt pry an - m ym owe has'rdadr, vary Irar-0- you have anhdsd. force ri.rp-. pm dua fees, ovaaimit Ites, murred pytraa fns. oah ad_ lass and any ~ /sw aawad se yo r You .n revponelble a rows samase w hedher tttv. hat' appear an you atmcet N Tie tine yea raposaT w doll de acres- . 0" ale iwrd sbaepma se your recta..[ To cure the accred. This ssy des as rdug- appsarfnp on your coo a at-. ym loos yw atxoaa if it hw already barn coed Fo erampta, if you awMtited a pudnse Iran • .o,.h n ad we rasve 0. tramaction from Iha m-dum after you so=-* h- been dosed, You a¢ourl wR b. reopened, the aroma of the dare. wa be add d to yen accraan, ad you we. be sespaWble fm pyroa t. d dare h a msnbaalip fee 1. yo r arraun, the fee will cousins a be T argd, a the ennnt permmed by law, use the ammm b.1- has bare paid it full - defied above. ). ff•frg V-r Attmul.Ymr cd a aecana atom be usd "sat mrrheeion wire arty werret pacow-V e. Notice About El-&- Cheek Grwva- VA- you =deselect - pevmam. you nAh.&. - ehher to Ise kdomation Irom your dock a make • ore-time elecumie hod tmnwW Isom you bank sc sus or to poca t e paymen - • lack transacrion WMh we M-don from you deck - make m electnwdc Tom I lend uaafeo, tads may be withdrawn ham you bank accoua a soon - tha same day we moeiva your pymets, and you wi rat most- yor leek back trom year hrll W insumitien. BILLING ARG14TS SUMMARY (In Case OI Emam Or 0u.daa Abw Yml Bra N ym dirt your bag is rang, « if you need moo irdor ale. m a Irarwnion - bill, write to W - e saprm .hasa - awn - podMe n the address sor khpidw shswst m Iha Nom of * is am orvar. We ranasl hear Nam you - later dun 60 day. art. v- ms you tha ire bll - wltidn lt. error . prubiwo appeared. You can cat our Coa.ner Remo nnber, bur doing se will rat preserve you rides. In you loner. giro m Act tolbwng nbsharc you rums ctrl accors r-n6ar. the dill. almnoua of the mpmd Tor, . dwcdpd- of de ere and an nq*anmi00, It polder. of way you brieve l1,.- Is an emnr, «R you need more irdon-sh.., a tfesaynnn of ate haw you a- nave boa. You db arm have To pay any .moos k. Rumhn wiia wwe am nwai kv it, be you am obigatd To pry the pros of your bit out a- not it pawl.. While wwe Investipae Vota pesdst. we darns repeat you a daidnguso . Take any actin Io collect IThe arson V- pamioo. 2,t Special Rce for C-dit Card Puctuws " you have • problem with the purity of prtpeay, or services am you purchased with a crest card and you have vied In pad fakh Io conrm me problem war, The m.dats, you my rower The rich m w pay me taoaiieg ameaa due m The property o servidm. Ym have this pa-e=- wham d . puchaw price w- moo dun 0Too .d iu Pudum was ma& in pr home mute m withla 100 maw rid your malanp addle-. 0t wa own « operate Therwrcham, a k we maned you one atlw rdwrms for the puopeny « -.I -, dl pudus- an covered -"Posts M own « bmtion of purct-1 Please rs.sarbor - air ail --pordmr . t Do- m r apply m cc..vart. --omdlr card scc.rans 2 Does s. apply - bwnisea non-a. M eta --It ore s pp«ts inloamaim pdvacy pot Ire Tee w a www.mppnnal.ne.can. One h a Idenlly rsgislad wrvice mark ot Capkat an iel C-p-1hn. al fights reserved. 0 2003 One OILGLBAR 1. now To Avid A F Puma. t a. dime. Pried. You will have a mbs..ae 0- paled of 25 days wkhao Tarns rill w raw paacesse, re- halafaw I-ne1m, sew apaCial pladlaa6 and raw Od- ,h.qw if You pay you Ta1a1 'New B-h- . n sc ordance ware 0. knportam Pascoe for par.- below, and in mate Ion k m be .&ad by ys w mad sawuasm dosing date. Th.. h -gram Paid r ash adasea and aped.l Iranefm. N addition, them'. m pram sated any fraraaction H you do rot pay de retail -H~ bid-' b. Atwu. Fmr- chomps- Tt:nooi.s .dtfn am no ebiaQ To pram period .. ar®ad ir. nmdent. 11 from Ile daam o1 rel. transaction - 2) Ism The dm dw vamacim h potxasd To y sr A®mm - 31 1- Tha first cah der day of the eortss hairrs Psi Addnis.aaY. it you dd rot pay the'New Saul..' lash"Pmhios bNig period in hi, Boehm dutge t a.i.. u some to ta r tawad bal.ncoe u b The upaid imbam is paid M full. TTis roar. shat you ail ewe imam certm, e.ah R you Pay tha .N. New Bdahm idcaed o1 We Icon at y- smusamm by The moo wessavent dwanii dies, but did rat do m for th itmvraa Morph taped 15- d.rtaa .. added To the aWk.&, segave s a yes AVoIsw. t c. t irsawan F Chaps. For am% big posed Tfr Ip l RNANCE CRAARGEtad W.5D -11 as -OsApad. N IM total arwnm cNrts rsasilhp from d. wpamfen N Yss periodic MOW i. Iem mas 00.56. we, ri.Asset that amour from t e 00.50 mMbnse ad Tha d"h o wi be ballad n the paW se sspnsr[ d yew a®mra. t d. Tarpant y Rabudion n F Ckwg . 1"e move Tha rids io rot aaem any « d A- Braes far any ti.en dlahp ppaen!a01 2. Av.,, 0a.y a.Is- IkW-*V 11-Puearm-l- s. F+rc ch.rte 1a csicdald by nddplyog de they bNSn o of each sepals.ll( nar.l r m?dd rysat-W. cash dd puschave) of you; dvarc, purchaw, ato the y dipondag tidy . At the m_W) M fee been p*dDcft d od. wet appy tie day pedeof asset dc w! f-? ate basis peri asgmom m your stern a the dray baiec d ado sepmn. Thon s f- sd of de bf.g Periled. wm add .p the reauks of dam dairy calculatios, m aadme w you pNdc beano lungs br esrh wpwod. fee add np dr mass from each wga ae to avd- u d. Ts od parole fm- derpe ter you artard. To "s d. daft Isdaree fa each depnos of your -000m, wr frier dm Inpksip bar- kN each aCpnaa ahd add save -w Immoctia. ant any pedmfc A- dvarge mlCr4ad r The preys days b,t.sa 1. the sastad. W. rya. sabarad wM payroll- - cr.M. pond w of dm day dr sae .0 ...d to con avgmwa- ills .Wes r the as - driy brlarnm for each •apnas of your azvraa lio.mwor. R yet fad the New Bets- shown - you pmwhh. somas in fry la t you raw belance wwa. ono or a ovedit ssotsr0, hew IraaaCricrs which fast to your prrdrw - spatial .. nor added ft 111. delay bdw- Wa purcrame Inism me pe Nay bid- by a di g seat theyy ri b.,._ togette, and dividing ate vase by T e mob. 01 the days in Iha camm bWM cyda. To ealo veer teal r.enee .rae daily bdc by Its, daily pt=pmWw e mosbar .f data i, me bffrg period. Due Io rwsbg m ¦ dJy be" ales my be a deli vadar- betwa n INa rJlOadr sad ate s wars of faunte charge smelly assailed. b. It the code Z o N mppwm m de bed of cis maned nest to 'B d- Nate Applied To; w e wniply de _ _ 5201M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, elcckld'mg holidays. Please do not use staples, paper clips, etc. when preparing your payment. 24-KT. PLATINUM-PLATED Magnetic Bracelet WITH COPPER Magnetic therapy is said to • Increase energy • Relieve pain a Aaelerafe healing sed me 7 'h" andlor En 9^ Magnetic Bncalet(s) for Please n plus $3.95 shipping and handling for each, and send to lie address storm. Please charge my Capital One account number 5297-157 tt Sti Sb 7 tug i ¦ntlanre cap6m on. to tovnes ads rbtrpan, whidr ewe. my srmue nnibr to Dina ww?. an my hshas b the mmpiry tlW pr-da ads prodLcL Signature (Valid Only with fLA signature) 299141 Detach at perforation and return in your remittance envelope. FOR LOUIS U RICE JR 306 S YORK ST MECHANICSBURG PA 17055-6302 erapitalow"' Account Summary Previous Balance $58530 Payments, Credits and Adjustments $132.79 Transactions $54.92 Finance Charges 68.72 New Balance $516.16 Minimum Amount Due $16.16 Payment Due Date June 11, 2002 Total Credit Line $500 Total Avvlahle Credit $.00 Credit Line for Cash $500 Available Credit for Cash $.00 Atyourso-Ace T. adl Castoma Rel d- or to report . last -.W- -a- 1-600-903-3637 For f -r.. aecaaM savior .nd special wnamer off . lag m sa -c.oalanecom S-d P7menu to: S-d imrutie m: Ann: Ranitt-oc Procesing C.Pinl Ox Savior C.piu d One Service P.O. Bos 93147 P.O. Bm 65015 Ridurw A VA 23276 Rkh-d, VA 73265-5015 IasoortantAccount Irdonnation Capital One is a proud sponsor of the American Film Institute's CBS primetime special presentation - AFTs 100 YEARS-100 PASSIONS. if you lost movies, tune in to CBS, Tuesday, June 11 from 8-11 PM (ET/P'I) 7-10 PM (CT), as AFI counts down the 100 greatest love stores from the past 100 yeas of filmmaling. Which of your favorite films will be honored could it lx THE WAY WE WERE, WEST SIDE STORY, CASABLANCA, PRETTY WOMAN, SLEEPLESS IN SEATTLE or another one of yotn favorites? Youll ham to watch to find out Donn min it! GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 APR 12 - MAY 11, 2002 Page 1 of 1 Payments, Crefius and Adjusun" 1 i5 APR ELECTRONIC PAYMENT ri250- 2 24 APR ADJ- PURCHASE - FINANCE CHARGE A5- 3 24 APR ADJ- PURCHASE - FINANCE CHARGE .67- 4 24 APR ADJ- PURCHASE- FINANCE CHARGE .08- 5 24 APR OVERLIMIT FEE CREDIT 29-00- 6 24 APR OVERLIMIT FEE CREDIT 29.00- 7 25 APR BALANCE ADJUSTMENT 4858- 8 29 APR ELECTRONIC PAYMENT 12-50- Transactions 9 18 APR MONMOBILI S 09988742 MECHANIC PA 92-00 1o 20 APR OVERLiMIT FEE 29.00 11 06 MAY GIANT FOOD #120 SIB MECHANICSBURG PA 13.44 12 11 MAY MONTHLY MEMBERSHIP FEE 6.0D 13 11 MAY PAYMENT PROTECTION 1-88B-527-6904 4A8 F-.AA YCharges Pkarera, rnxCae?ihkft iopd-tinfontiii- R.r- P dPR L muff PURCHASES 5535-72 .OS425% 191096 86.72 CASH 5.00 .054259E 19.60% 5.00 ANNUAL PERCENTAGE RATE applied this ptaiod 4829M ? PLEASE RETURN PORTION BELOW WITH PAYMENT. V Capitalow, 0000000 0 5291151856361793 11 0516160012500016168 New Balance $516-16 Minimum Amount Due $16.16 Payment Due Date June 11, 2002 Total enclosed $? P&-,-d -AhA -L 19.80% Sma Apr f 6q Soss ZIP Ham, Phone Ahemm Phone ?M #9013237497863054# HAIL ID NUMBER Capital One Bank 306 S LOUIS U YORK RICE JR P.O. Box 85147 306 ST Richmond, VA 23276 MECHANICSBURG PA 17055-6302 1 {n{r{u{{tu{r{{w{t{{rt{{ur{{nr{{set{{m{{set{{.n{{nr{ ° {set{{{us{{{sera{,{u{r{u{{use{{t{{rain{r{{{use{Inn{r{r{ Rau, write yrorc aaormt --be, oa ywa eba# car money ord.r madepayaLk to Capital OncBaafand marl in tbeerula,ed -velnpe Great look and feet ... 24-KT. PLATINUM-PLATED ponazlid 1"0+ Baasmaptea Magnetic Bracelets d l WITH COPPER so,cr," an Chaim of 7S' w j Theory of Magnetic Healing- ? Sr link desig It is said that the magneic field attracts and repels charged d h i Std parrides in the blood, ?* r+g rnolvemem an eat M'by o mu Inch d p Many believe this process helps ao[el healing. socn an YtnaN Haze)= heard? Magmac d-Apy is used by sporm professionals wor ldwide! Ta tosah . --by- to reedit pWanat. MN and a eeidene add appliabk ds>a PIRA rib. 34 wY]¢ fR &b-y. ORc a q inn io 90 dqi •'Yoa our be munpl ady mcidad aii yaoc Malaerir BmakdrJ rc semro it airlaie 30 dop In, yon aoooey b-L 7'br rrerth.rNie feared is r),n shin b snared by)-O Di-, lac, aaiL "s soNy mpoaaibie for rfr pmdac J-0 I)ima, Inc. 75oD Frrrkiar B).d., Sa Iaw's TYdr. bII4 55426-4519 fs ear alt,. ' ..icb lipid One worn.. and a ralrly for is products sari arnica Gahm Not 6 n L7 mdilidrrk feed laid, radLc pent na>mi defibti)Iroa.od/rc par "S b rh's gaup. should 6e akan r ao etgxes rc implied claim regaadmg fie medno1 rclnuldn imaa.ddri pvrdna. 0 7f1D_ lipid OR Sn.icer, he Cgtid Ono i a kdeRlly rshvo ar mae -I. mark. . All riths terwd -I. o° D O a rn io O ?p oaeaasry image or Nan retires Nan any, add any r,e.. trsm area to each . aLtrc eery payewRs o[ aa3re fR 1M cove N •PPaa an the 1Rrf d Ms susen.sa stud to -B k- rare Appfad To.' we aeo sdwwn arrsr repaid farnce dupe bduda0 k, Ilia balance d each a!pmesa.) This piwc m Ale dally balaca n each satire. TMb we add up dl d e did bYanas? Ndr and by the ma?nber.4 Nys n"gn egging pododdvidi pi ma an a,n only bN.itoe d each .gra na. s. a:.di a.rpa were tAPrt? a. The Nns'Anmml Percentage Roe' may appear an b. N to ads P (Prime). L t3-rrw LIBOR), C IConigou of f eo?is stssa.sa pa tulle latatN, the p t rases sari ra mmi or,Ng ANNUAL PERCENTAGE RTES •nsY wry gneatefly and - ocean or d- based Rte owed itddw, N bud b TM W.0 saner JoanaQ pas th wegn p-iady dedoaad ro you Tors rdrhps WI be aIt-due . ar fan day of van hiag peibd counted by Your periodic statamea endug th aarrlr J•mmrv. APB. Julv sari October. c It gain code D ?N, F (7-Trio. LIBON ar 0 0-mo. LIBOR Regained Monthly) appeae an the born of your zusng of son to in. periodic molar, to pedodc mum sari ANNUL PkACEMAM RATE may vay army tNy 6,nease w dauaNe bead m the waved atdLlw, ns bad n 7h WJ Sbeef -/arraN, pnor ih mngin prnAarfy dsdNed to you. ThrR dnanpes w7 be neoiae an an, Let day of your bvwv period "oh -.ad' 6. A-".* Lra Ovrrdt and Ravened Payanad I - Your acemas wi be as mmd an more that two of the tams rated bate tar agar dPbg arty hiring period under th tans of par customer apaom nt, era insane the right to ..N- R our an pews any, ions wider pn rrdfeation ro you rdfi ar aaiuig -night an asaans air same er similar ta Ise. w• e 5. Tau Aomus. 11 ¦ amonorn" fee .prow a tea form n this arem-M You her so ==r lea ,his nnastar was maMd m Yau m tr fns a re Mw aorln 1N candled u you It you omM Vera accts. Ding Ids P-dad, you mid shwas an .N pre account wkhga hvkg an ay are cnsApp -4 fee. To CWWN you nocou". you muff Cus Rchrdo .ad!d goy Ya ~ s ? B hance' , In furl fexdu*v ddw nnamig, ip f 0 pdm to the and of sh INRV say period 6. R Yw Ltia 1F- Aamut. You can mquff to dose ear asY.ans by ralitg as Crs. Rafters DaPnraes- YN wci denuy -I I -.6w and areas saw drake, cancer .4 praauloizad bArmp, aM Nate pre aozoud a ya N ant Carasl i"I 04 eat aalgMNms, era w7 rarWda m ip d o a drrye your .uhoizatian ro m . y^ur stelae. Atld4wslly, Yos aoatnt wt not be dosed until Von pry aA scwaess you owe . kidudctP any uarhscdon. yea Low swrd:ee, insr,ce drrpoc, an due lean, aaekew fa.a, maned ay.- fact. NNh advance ins ::=Z=_ ..]eland re you aGaraa. YN /w these announce W-4- tnry app, N par artPlfl n the tine y. mgrest ro does rie ease n Any are noarad mul m purr aeq,rer u don the aaLan6 TIt-s may mar mods in dug= r!PPNaioD a pas senores after you her you aewra d I tom Imadi, been dosed Fa etumple, a yen aWeraad a pundrN from s mardnara and ao rR.I- tr mrrsaion from the mndem afar youtr r s our fs bean dae.d. par aeeoun wi h eo lh swans of tAe clang. ,u®h adtled to yawroopone , wM yyaowu ti be sapo,tilda fer aymem. If ahem e w,enwhmip fee for your a¢arw, the lam wi carriwe to be clanged, an the aua[ pemdaad by law, uM the amore bNOae has been, paid full n defied above. 7. Laing Tor Y- Ord or aeeouR cannot h ,tad in .ena :16m *h arty kroner gamehg B. Nation Rhea Bla payment. c you b."fize Whmh you lod pmY a deck - a pep,,.m. pare r)ze on anon, to Rwnic laid trancfan iisanlaan yaribank acmua or W tote p- ten p•Yaaaa K a deck tRnsaed- V4- ,w Inn,a tra.sbr, Inds ao wy be chack- -ka an electronic witdm- I ran your bank air apart as sear as to Rive day urn rer:fve you y ?d raoei.e your deck back Iran aggramit_ BILUNG INKINTS SUSNARY (b Case Of Enos far OuenI- About Your Big) It you dirk Vasa bills wog, a U yan need mom Information an a tmnsn lion or big, wtm to us an a rnpemm New as seas as passble at the W- la ir,qudw afawn N ch. fans d via smianac. We imun hear lama y. an leer than eo days after ine sea you flan Law big N wlddh the army . pmM- appeared. You oat u1 au r]swmer Rah.tlars m.bey bur doing so u A rot pneaerve you dpaa. In yaw bster, give us the loft- *V vdorsnnrorc pas scans sand .aaiar number, th dMar newt d de strpmcaad arm,. a deacdpcion of it. enmr NO an topRNada1 N praWde, of .thy you befieve tare is N nova, er N tin total mere irdoneao... deasipdm of amwv Wad. herb. wo mwrwenga?w it. but you y i Gg a air Na she Ned s Pay the pews d par bg? tho am not it Pa••sioas Whin we knhesdpsse v- 4rxnian. ,w turner rapers you as daiAsn m s mks any action to clan the amaaw you Puandon, z,t Spedad Ikb R. CRdi Gm PuW- A you her: • pmbim wish tint qu lity of prop rry or tarunnot =P adrNd avid, a emde card and you 1he nerdrra, you than the riper not In pay dte? mm a*V nor, arnou r due a to prrpay m amr.faet. You he- this promotion Woo /h purdaa prime was more than 650.00 and pudrs era nude n your horns nee or .itiin 100 a is d your maig addma. (It we open or opa na ten .ad. or if we maged you air Rom toetad fer the property or nervices, a6 Padu as Inn .vtled Rgrdaas d amoral rc br lion of P-t-an.) Pleas teahsaber a sign M aneaporndnnct. t Do nt not arg* b ct.ararter non--.W aid a.. aunts t Does nor apply go b ak- __* cW Rai 1, Capital One supports khan ion pi-.y psactiarc sea our "*'h' n www ran. Capital ON's • y repiosrsd Rhine enure of GphN Osr Fsa,eat Oe,Paarflarc AN ripas reNrved. 0 21103 t.. 0- Pad d. You will hove i rrnbirrnsn tine period o1 25 day. =f= da?ryrdaRS, Ihenr hfance ePeel wdras and new ads denpc a eau aY Yaa• mod 'New Geros', n anWlMlm writ ns e•P,.&. for aka below, and an Urns for it an he +odm rd by W Y• Van+r ten atr.mena dosing doe. There I. ro Or+am adod . -Ih adrastcss and Wool. vansfsis. n adiiiron, den e ro Arms period on any imraacton if you do nape pay the iota! 'New Nlaro.' b. Aaasig F7nnrhN Gmrp. Torsseles w ch are nw form I dine ihsev d B one w21 T as sM1) transaction I. pmcaaad m you Account or 3) Iran Ute Tina ruler der day of Ala arrant bifrg period. Addiarrfy, if you rid not pay to 'New Belance' Ion the pR,iorm eB6g period b laic fin.nce dusting coNas m arxatr to Your upNd hlar¢a irW the unpaid Woo In paid I. hi. This meats that you rrwy saA owe finan2 drgpa, lean if You av the anti Naw Glares irhdaaed m de freR of you an.mant by fie rao atnantaR doing dark boa Ad not do an for the pm nags mmlh Unpaid finance drrtis pee added to the applicable, sspntan of your Account tc. AfiiaNna FIcNANCE dwpa- Fur Nds == ear Raae I. 14ARG to a iao Liwrw the .,W ma of 60.50 wi ba b•pa•ad of catty anmoe Man a tr periodic met.) t I. a 10.5 d- er $0.50. gppieatas and * -* - art er! .mass loo the $0n ar"num and the dfbaf,m h be purchase n nanar wt[ d your stmtar, bllaal I'd. Tatpaay Reinfwn in or all .0 Ji 6Ourpa.h We reams tr dgM to not a- ot awg any P Nrce dugrs br any gi.en 2. Awes/. Cy Gleue IlmiMnp Naw pedmNl- a. Fiance charge Is calcined by tend Vf to day balance, of aids aapnar of your accour Ie.s• ra h advrtce. g - I se, apecii trasW, and pedal poadwe) by ilr - arp..& daily paired,: mein) that Inc he4e.h y Vr bW.V Ind r W. is der p-p-d. me lyor Nd as mad a rata scwua ro pee dpy adrtoe d aRh ap awar. Then n fle end of the bgicg peNd M ode sp the -Am d lhme dally Wch Wniar u arshm w your perindi. finance drga Is ea -P= W. act tp the menus hoe .c h a.9mam to arrive to the local poriadic finance charge for You account To go the dairy baloce for each sopaem of your accoLm tae rein Ate bapredu0 Ware far s..h sepNm ram add asry taw trarociaws and try ppeedodc fk+ars datia ratlalatad on tie P?"i•,s NY c b.Ieca ten U,.t wpnanL ,Na ten aibtrad any peI nanes p amen poffad as n oho Ny tut as alaUlW to to ae(plrA. Thin 9has us the alums daily balsa. far -ch Bala+ of accoua. No.raver, N yea paid the you p- same a in fall fur if Yaur row =I was zero P • cafe annual, oe,v inl4anienr an ro yon Pad- or apeaal pudrR sepaaas an rot "dad m the dairy Wacat We r?Wdate the average dairy Wane by.6*V M the dairy Maros Inters and dividing the atan by air rNnber of the days in the current bAig cycle. To cWadne your tool Irene h.M., mdtiplyy pre .Ympe derv W.rce 4y ten Nifty paiodc me aM by th nrnibnr d sap n dti Nap adod. Due u no ndrg . a =m , there say be. dWe wdeas betr.ean tit arm Ih! anew at unce Choy. acaaiy asesaad. b. If odine eaN 2 . N appease m the loo at his oauma[ rcn a 'Sol- Rae ARlied To.' era .nhdv Una 4829M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3.00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 551soo-o1 • MAGAZINE REWARDS CERTIFICATE • d Special offer for LOUIS U RICE JR Capital Qw•" Reserved for 306 S YORK ST cardholders MECHANICSBURG PA 17055-6302 5291 1518 5636 1793 Try 3 Magazines RISK-FREE, worth up to $18.50 CONGRATULATIONS: This certificate entitles you to sample up to 3 DIFFERENT NA611ZJNES: RISK FREE, , 14 2002 valued up to the amourd shown above. Redeem immediately for 2 monfhs of the magazines of your OFFER EXPIRES: AUG. 31, choice listed on back Any portion of the reward value that remains unused will expire by Aug. 31, 2002 Details on reverse. Complete and return this certificate in your Capital Or e* credd tad payment envelope. aaPMAR DEPTK AD3 CAPT62 • REPLY IMMEDIATELY • Capitalow- GOLD MASTERCARD ACCOUNT MAY 12 - JUN 11, 2002 S291-1518-5636-1793 Page 1 of 1 Account Summary Payments C=&ts and Adjustments Previous Balance $516.16 1 13 MAY ELECTRONIC PAYMENT $12.SO- 12 Payments, Credits and Adjustments $37.50 - 2 24 MAY ELECTRONIC PAYMENT 12 S0- 50-Transactions $1031 . 3 10 JUN ELECTRONIC PAYMENT Finance Chug- $8.41 New Balance $49738 Tra'ua`ti°°s Minimum Amount Due $15-00 4 11 JUN Payment Due Date July 11, 2002 S 11 JUN Total Credit Line $500 Total Available Credit $2.62 Credit Line for Cash $500 Available Credit for Cash $2.62 Ar your service T. ed Cusro,nc Rd.twm or to report . lost - w4- -& 1-800-903-3637 For free online .mount service nd gcdal crammer oS ,1% m to uptaoncwm ww . Sind p p-ts I. Sea iogi ies Inc Artie Rcmin-ce Proor sing C.PhA One Swim C.Pinl One Se im P.O. R- 85147 P.O. Soa 85015 Richmond, VA 23276 Rkhmend, VA 23285-5015 MONTHLY MEMBERSHIP FEE PAYMENT PROTECTION 1-888-527-6904 $6.00 4.31 Fbw=Chatges - lo ,a h? P/rare.c,roer:esdejor: pmianr: ? N C A N P? r ? nlpa ? P CHARGE PURCHASES 1499.87 .05425% 19.80% x8.41 80% &Do 19 CASH S.00 . .05425% ANNUAL PERCENTAGE RATE applied this period 19.80% 8942M T PLEASE RETURN PORTION BELOW WITH PAYMENT. V Calplita/oM- 0000000 0 5291151856361793 11 0497380012500015004 New Balance $49738 Minimum Amount Due $15.00 Payment Due Date July 11, 2002 Total enclosed $ Capital One Bank P.O. Box 85147 Richmond, VA 23276 Irtltl.Ill. trltllttrltlh.111thlitrrll.r.ilrtrllrttlithtll-[ Plte ,-d - d..rer hbm-,AA--dLal ink Shea Apr. e MIT S m ZIP Home PbM Ahaoau Pb. 59016337497863059# MAIL ID NUMBER LOUIS U RICE JR N 306 S YORK ST a ?n MECHANICSBURG PA 17055-6302 '-- i.rtllttttlll.rr.I,I.t1.Irellrtrril,lirrrhtltiilerrtllrrtl.ltl r Pkme twrde yaw armrmrt numb& om yore JiwA or money _*r madernyabk to C?5o,:fal Ooe Riu k and mail in the enrbnd errvdepe Special offerfor Enjoy up to 3 Magazines Risk-Free? :apl"QW Select up to 3 magazines Risk-FV" for 60 daps by putting a (>f) In the box next to each s magazine you want cardholders Detach and maH this ante is your Capital One credit card payment envelope. Redeem lo aqk mp Is (3) Balladeer RISK4M bar N d"& Who pole des udlefdq yew Rldf- tes him s. Tom sdr=rWmos) Tai aeloer- By be awed at the p6xs tied kites Road in ft offer (iodefrl vm shh-bas bsss) and Poe aeeeety at easlsiq snails air Yoe tell as Is slop.18e"n am* duorp your IbpBal On tier and awaaly at the bade on b ill, ad ye raw allow fe»due aeWe es0dis helre ally Miff occurs. 01 arse. year may coal at my time and WHIM a bill lelvad for all emlld Issue. cumener it" I aehab capital One b 1.desod cis anion. which khciudec my -ad number for baits puop-sic, - my behalf to Ter Died vent um, nc, which remedies NS east. MalaaoeAssues' Year Year Cover 68.0111 >Tefsmd Tam Corer 6"" Reeard Term Price Pflm Y71ee Price Cadet MalaztfWbsues' Plee Prim Valve Price Code # O Business 2.6112 WIT Nopm 5250 $15 A5693 O Coastal LivbBB 32A'1T 1111 g4w 63-0 $18 A57111 O cootdne UNIA 1 $4a- f IIRHBff $4.118 $21 A5719 OE4WAmdNeddlN $M-4 NIMM 56.88 $W A5727 O Food & BEmaM2 44? IC N*M $6.0 $36 A5735 OFortuakn3 564-81 18Q $8.9_ $20 A5743 o run Malaanen2 34e - f tta[a6ff $3513 $20 A5750 O HeaWD 329.x6 M94M $4-0 $18 ASM O NmeyM 35tEf NK-W $4.0 $24 A5776 O Motual Feeds112 138-W 111111"M $250 $15 ASM O PffioROBIl10 US-W M4W $3.08 $15 AS792 O People an EwricUlo 32496 m[•I6ff Sz9 S12 As= Thew rrumpaTnse 1111 PnKdTad ueh maIagtrrdm dmcbad N Nb el.. .--Pt tract moo" compere Perm emprdatl and pmarrsn Leoscomae me dam SubMipi'm.imom.&TWoommt.l R'baddll Teat.abSP ? plbTa* Fodor b ided tieraldy. S0aK iY'? Nbnu or p? 9 it- Par yam. Hr/5arpit, Pl.mcmai9. >?1 mar. Looker llglelo P6Wrtl 1t tlmm par yKM_Whod Sp" m-kamd black ao pr6fe.a to uo.c ps odor &moal hdeafice, topic One is a fedash, nmpslowd smvice hnrk N riphlo nesamod OaBbe Capd Otte r 9mrrasae cry product BMan home. Tbr Dial Y cad wim Calmer; One. Cap IW One nom M awide =--y" cal /1?672711N. YOU alwoYl ncaM tie isf eOPdu+ you choose gain 11-6 orals ?arTir Oi iiorrraaon Wad yaoad arm Dima yaWrea, he, Mich prwidam dam Pmodda' W amtprR 811/ yw tie a •AI tams inside risk-Iuee ofd bmx Numb. of Eakin trill moves tie wry acm6V b a fore iaPme® STecaDrc a ar post once dais -am y- mepTor It u d.1mi a. em haunt m Utm W0++athem . 8 0 O ce o ? ¢ n OPopularSdencen2 347W 111111Rig $3.58 $20 A5818 O Real simplefl0 335 9M M $4.08 $2D A5826 O SoeWern AceeWb6 0 Soah=LM002 33&IC NUMM $4-58 _ 35&.W WORM $5-0 S27 A5867 $28 A5875 O sport 81ashaforU52 Stef':06 ON-DR $6•118 539 k%N O sprh llbL Fs Kidsf1334Fr31f 18>iR>ff $450 O Sports 1IlgL Wimu ell0 32rr ff mwA ff S3--W $27 A5359 $15 A5642 O Smssdfl2 347f>ff W"M $3.50 $21 ASB93 O Teen PeoplanD Ma: ff MEMO $3.9 $16 A5891 O This 01d Holtse/1(l 339:0 OfOi4M $4.0 $2D A5909 O TRme,156 S*rA milm $6.00 $39 A5917 O Travel + Leesomfl2 35*M oa411K $5.00 $29 A5925 bo one and Moe asap d order. By mgap M tg to 1hi odtC you may be tptanu cafng m cusloom, a eroded ddrrss eMn h u va lm, 1. f i- To Amer iA Firarca Chwoe. mima. dasa: To oMair de -age deify blan to lot the ee utbe the this eaaaaa d b " Yam accan H a has aloud- been dosed Pon -plc, N you aedodred a prudrse fm a nardunt and we . , . Grace Peed. you mA Iwo a mgmrtn 9- patted d t e 25 days mlthaa firnee dirge an maw Wtdoan, new udasos and nmv after ecN/ w s , np Petted sauce Ilh y bePq^Y Wince d each rgeame each day. said any norm loon e to qW tpeao. and a/wrd any p-W-ame acei- 8. fmseciou Nam the me cte nt eta your account hs b- deg0• your account w91 be teop.ad. eto account e mail be added tr f d d p p Dalaca I.- ra charges It You pay you hood "New Balance", in a retie (d The tide N app- - The tuna a Ton m t aoa m "Babette, R- Applied To," we also t , V on up The area o and you mA be aspaNUa for payment. T some k a aaamdaroe vhiN The buPonar+ Naice for Pay- below, tauerr t sta e rbtaG any metier 5- ! del' Included in Te hot- memberalhy fee for tau atladaa, The lee VA m>tmiaA l n e and in tint for b b be aadred by.". need a slain dine. These I. m 9- period on oah advahcm ri d =-=- I TN. Pm s - The dairy bdonce of each add up d The duty hot- for each l I to be bemired, a T. eha pemiaed by low, ta c amaae bdmaz has be.h paid in We +s defined above. o and apadal tom atme. In sddtial. Thera re o Sao Pe mm-ion if you do not pay the IoW -Now - a s.,. Tor th- hints pedal and divide by don .at Th i i 7. Uci g Yam Acmes-Yam cord . secsue cannot be -0 any i rent gamang use y aha." b. Aeeukq Finance, Grp. Tamaaiaa mrddh an not b- auhjea vo a pons ponid 1111 aamead A- change 7) ves - e s l tghbor or bye in the blame a1ioQ Th gram+- msrepe deay blues of each 3. Armed Prdm4e Req IAPRL ar m R " ' d msion. When you 8. Maniac Aboue Eamorhe Cbeck Camtr r to pmift a check as P y W m b lam me, data d The raeadim or 21 Nom the due the ltrarsun I. pamrd se yam Account r 3) lam the may awe ua Marl Pacmmape a. The Taw 'APR- M Ttee Soon M Tea Statement. C ICaifrne d LIBORr L rX m P p i ? a m ute a oa k amme tout inkentation toe todc Nord roomier loom Your bank aasur or to Into cNadar day of The area failing; Polled Adbtceaey, Nan the paaas Balacee ' 11 ou did not pay IM -How , e , mal. O t b. Ifap-nl mho nada. D S (BNCmll P*-J apple on the fuor d r eolodc T Noe your yo m check to make an eanraic y a ry. being perad In full. 6ommce nhttraa to o¢nr to W hahpaid halase anti The unpaid bdenes is paid n il e p eae tau a Th. pei0dc -1.), No som taco and ataaooudn9 AKWL PERCEWWRATES k__ or deagme based l d fund trmNe fun de may be mo dot-, lmm your bdc acrnar ss nom a The acme doy'ae tersive your i mart Tm ptmha yy Stu tee finance W sees, eha+ 1 Tr. dicated - Ta from of i mpBd mry y a hey wry 4Strta fie quad kmdces, r fasd I. 7Ae Wati Sraaf peywmr, end ben ei rat maims your dock back have n rmo You fay, it. min "me, your sratrwnt by Non nra oreeaent d-its data, but did h 15 i JownK pia the mot in prcaemdY dslaed to You Thew odauhl's we be efadir an Tbe fie day of you your faumr3al eoamiet - C -g- d roe do r for 0. puewn- mach. unpa -rc added m the +Ppers+ie enamor of your Acoaat. brhg dtenad c mead by your pedmic -I - - ending Judy and October. orarry APT tie mWs BILLING RIGHTS SUMMARY On Came 01 E mom Or oueedaa About You Bits t.. aw:hi.w Fine- Camp. For each bent ponied d- ou acaaao is rbiesa to a fmame der9e. a -t&- , . • +1ne c. N the ode D PdmeL F II-mo. IJBO Q - a 1 wyou need moan a bmetd" y- im + mpimea -taor hm m y meet FINANCE CHARGE o1 $0.50 Twill be imposed N mimic tad firma charge reeduts Nom don application, o1 Vas o LIBOR Raplad Na++d aroma m ? Mamm ohm b tins pealodc reeW, Te premeds notes m ANNUAL PERCENTAGE RATES may , mrthem as Nom r paaBfe or Te address for !tip! . e agave alo mh m she fat of Tea cmemat- We men periodic maW is lase Ten 50.50, me vi6 abuact t amour tin Toe 40.50 nmubrmm and Ton difference Taal be -TV == = may increase, a deexsse based m Tx r Nod in TA- Waa Smea JO-at pkr Stead imdoee her Nam you no lover than ono date ahem we sea You T¢ one dam m Wedh the emr or peobleun appeared You can billed to tbe pudase -1- d Tom eawa- t d. Tenparay Rcdmhden I. Fiha+e I7mee. We re.erme Eta 1 , that -qin fredmdy a adaaed To lamp Thee changes ff, m The fis dry of you bainir poled be sea - C-- Reh doe -,be,. be douse ono wia not Preaena yam tight. In Your it-. give a The blbwinl - tid,r to my or as fames Wage 1. any 9 o each nbmmiac our come and a®ua number, the closer 6iei,p 2. Avenp Deal, aabuhee IumduRn9 Nor Rrdhrl. in T dair l i l C Asemrd of Late. oawfai and R k-.d Payment Fees. Your account ri be esae ed m am r Utah two of The fees +maaa of The a-P-lead mein. It deacripTon of Ton error and an enplream. If pouaeb, oi'al'Y you hope. mere is y g; he t p y e. R- chaotic lo calculated by mu balase d each sal'w . of you sccmas (e.g.. ash d l i l fisted hue dm otau Ti ig amr Lie honed under On ma maem The right, 10 am ammem s9artrrmt tells d a star, . H you tied mac bhbegtan. a dcoadpla of lbe note you m .same Wan. Yen don mr home to pay any Pe Teae vrrfer, and spec a ad-nce, purchase, special by the on..p n&V dally pamedc -.W that has been due f c d : y wave a ne m aaaew any hom machoo poor nodacaim to in whfaa whits ma tier b aasem the qme . mrnaar amount in 9-W- mdse mm are in-aml'tuhp it, but you .. stn obligate of your e bill I V 0 l ea h ay pm4ouady dpd-ed he WTC At 911 and o me apply de dear pful"f c rate Tor each eriod the bff Y fns a • loan fns we cannot queet a came .leate in queemem. e Yom r.e m a" any anion to coon the ou del l r . , " P gnlar of Yam account m The dally balance of each me dd i d 5.tR--.&* Yom ^--.L K - m .beet ip 4e eaa on The Nona of This statement. Yin hove 30 p mpo y moat you gmre:nk , we a e W -gmaT. Than a Tie and .10. haling pon the molts of to- dais ala/adee to adore W Ta pP days Nam de doe this mmamend mw mocked to you to hq Ton am e to have such fie uedTed to you avoid pa t.t Special Rune Ft. 6edb coed Pudaae e'e° "P =man, Wog fe each seV^our- reaps Nom each seQrar he solve of h1. MA peiodc V ytrs Wrp for you amuc. To 9m The dasy Mama y if you orcd your aasrm. Duets dims period, you may eoauom to os you account wbhrm levbts To pay The if you hove a p.U- m Mh Ton qu ky of property or d for each tiapmsm of yam aazua, me rake The booming nce bar each Taomea and odd any new Irawctiars l b membereip San To cancel Vo r account. you 11-1 notify Ton by crn9 or Customer Rdarerr Deponatem " you mmies Tat you prdhased mash a cram ant an dame tne0 . good team To wren be pmbk- wan the a a and any Porodc fiham derya calculated on, The p mime, b bah full Im3ai mts Te and fry yam faeam ealeo tnaWert' 1 4 Voice To the ed ad the de-Y-0SY peed nerdate, You may lame The 60a not a pay Ton snaking amount due m The papmY r mules. You lave This tan any day's hears bar Ant aalphar. The then r payments a onedu pond i of Tat day t m are asoated l 6. T You Cloe Yoe Aemar- You can hequea w doe calling ma come- Raw- mmr aCo.- b promotion ody valah The petchge price ores mom then 0D and don Intel- vmw coda in Your home sum or II50 ance I. ton atsume. This llem -tic meaate doNy ba o or you aasuo. Heemvr, If you paid The f. each a y yyaon Opaaem. Yom mum demaor Yee ocdt cannot and i . within r DD nits of your naew n adkeae. Rf von T m , or h - New Bak- nth- on you psis summa in full 1ot am raw bimbo our tee . • rse . to-eal, raw if ng, account; atoms chocks. carol A peawdedi d b and nee ndnhp 7 w secant. N You do not cancer i e ==M me1CMIL r N mac mead you t fr Te peopmy . -.it-, ml pnWgs h y tnaactionr with poor to yam prdrae or apedd each+se e9emts as and added to ate daily balmces. We der Prrurboft Lets mo'. a..m e A cons tecipr of • deal' Yon triati-1Z m aegwn you d ase.) ? of tremor or location of purc Please mmreber he iyn ea ormeapahdarse. l caadem The sm.+le dally hotnce by ad*V ea the da6y b.1- mgmher and dwdn9 The men by If. manbr of mxasa. AddionMy. yam acme mA non be dome u dl you pay am eamem you, nee - bon luling any e t Oor_ n. aOPN' a - nor-cede and secnunrt the dam in Te anenl brats -Tell To ?Tna bt t tlonal hee multiply your serape dada 61- Wsee d e fame. o dub lee, ocwned paymaster ? ca>Ywi i Does not apply b b.mwess won-vdX card account, i , dairy paiodc rm and by The number basis' of date; I. Ton be a period. (La to raahdr g on • they nly bail, that may be e C..". aC..". ance tees and any der fns aagawd to you . You .te oeapmeab tar doe smaurs mr.edner or ror rot Capital one aapaa ieo.nnfon pnvKy pro, -on: see our tfpr vadarce tomeamet Ns afo/eion and The amour at acNr6y ssesed W r f You re@ They app. m You agars of tbe T c-e the -comm or They m inured robepant to ' mebshe at ww-rsphdanmm. Capitol Om a + fdmady registered arum- mad of Capital . p irma: IT. a Ton ode Z a N appear m The Nam of cis statement next To "Balance Rau Applied To; we mdhpy the s may neap m you request he dose de, acc 1111 Th W tse Sauk'a m loo +ean ahr you home f- you eime d One F-encial Cogemo aw AN tights reservd. a 2103 Capful 0- OI LGLBAK 8942M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m_ Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p-m- PT. Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form nosy not be credited the same day we receive them. Our business days are bbnday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. A sPEc1AL OFFER FOR J6ww uifi! Appointment Bool- CapitallJne The new 2003 Appoinmtent Boors CARDHOLDERS Spacious week in-view Calends[pro- vides plenty of to= for all of yaw VALUED CARDHOLDER appointments, reminders, birthdays and Rewards diary P? is the ect companioa-MU n everywhere you go. Regularly priced at Coupon $24.95 and $14.95-now only W Montcfiore° Fine Wri dnglW a r oments ONLY You've seen prestigious pens like chest in stores Selling for $65 or mat:. These EACHI ISSUED are batted by the Montefiac fdefime TO: LOUIS U RICE JR 306 S YORK ST 306 S Guarantee! At only $5 each, you me MECHANICSBURG PA 17055-6302 own The World's Best Pen ot77re World's Best Price CISC Capital ow Account Summary Previous Balanee $49738 Payments, Credits and Adjustments $25.00 Transactions $106.19 Finaore Charges $8.94 New Balance $567.51 Minimum Amount Due $67.51 Payment Due Date August 10, 2002 Total Credit Line $50D Total Available Credit $.00 Credit Unt for Cash $500 Available Credit for Cash $.00 At your servioe To all Customer Rds6ons or to repots a lot or cola miL 1-800-903-3637 For fres online account service and sPo" astoma offers, log on to: ww Piulooneom Sad Patmcns to: Setd inrkia to Attn: Ramat- Prooasing Capital One Servim CaPkd One Seim P.O. Box 85147 P.O. Bar 85015 Rkhnand, VA 23276 Ri h-d, VA 73295-5015 GOLD 161AMRCARD ACCOUNT 5291-1519-5636-1793 JUN 12 - JUL 11, 2002 Page 1 of 1 Pay ments Credits and Adym'tmems 1 24 JUN ELECTRONIC PAYMENT $12.50- 2 os JUL ELECTRONIC PAYMENT 12.50- Transactions 3 12 JUN GIANT FOOD fM SIB MECHANICSBURG PA $12.61 4 14 JUN OVERLIMTf FEE 29.00 5 26 JUN GLANT FOOD ?120 SIS MECHANICSBURG PA 8.37 6 28 JUN SHEET'Zsmt MECiiANICBURG PA 16.85 7 07 JUL SHEE1 VM MECHAN'ICBURG PA 18.83 8 07 JUL DICK BI ICKBW 4471892 LEMOYNE 9.43 9 11 JUL MONTHLYMEMFRCUIP FEE 6.00 10 11 JUL PAYMENT PROTECTION 1-Ng-527-6904 5.10 T'ir wxc (?1 arges ??•' jOln'tGHO r t II r 6 P?IQfL lECTCDOX 1-gotAl T ? P ( F l ?1t it ( } e r , JlY I.RA VL PURCHASES 5549.37 -5425% 19.1% 58.94 CASH S.00 -5425% 19.80% s-0 ANNUAL PERCENTAGE RATE applied this ptxiod 9163M T PLEASE RETURN PORTION BELOW WITH PAYMENT. V CapHalonea 0000000 0 5291151856361793 11 0587510012500087518 New Balance $587.51 Minimum Amount Due $87.51 Payment Due Date Attgtat 10, 2002 Total enclosed S I Ape t 19.50% C+9 Stare ZIP Have Phne Alm-, Phone ® $9019337497863056# MAIL ID NUMBER LOUIS D RICE JR Capital One Bank rn 306 S YORK ST P.O. Box 65147 Richmond, VA 23276 Ilf1CHEN3[CSBURG PA 17055-6302 rn Ittliletlitttltlit?tl.lle.litttllt.ell...tltiell...ll.ttll..tl = see.itfe..ltl..e.1.1..1.lerll....11.11.ttttitllltt.tllte.itl.l Pkwe -deyos ---d nambo -Y-.w or aronry ardn made p yabl<to C+,pIId o-Banl -d-d- the cnr&utd entrclo?e. r Please =W me ft items I Jame iodiaaed I will pay 55.00` Bardbanmd Appoiatomat Bank FlexWe 1ledret Doty for each booklpm. If I choose to moaoVwn, I wM pay an • Deyeslmd 7)f x 9. 208 pages • Sim 3Y! x 6W. 160 papas addiuorml $3.75 for each boot and S130 for each Cleo. ' Buck cum w1h gold eanbassI • Back cover with p ld enbosglrp • Gold satin bookmah Abbot • Gold said hoolarark ribbon Send my selectors m: • Drommad rearen;e i ftneatmh • Prolecpre mend collars IAUIS LJ RICE JR • A dtlerent Arnerion It" ' Wo* appoimroR speeds 306 S YORK ST destralloo featured each nail el omaton • IlSaal lelEraa S f e MECRANiCSBURG PA 17DSS6302 w1 holm maps elm world . ? hw . .,. • Prefect for handbag or hfielTSSe • Regularly sells IN $24.0 • Rep dwV sells ha $14-M Please charge my Capital One account number: 52911516 56361793 Signature (V .W only silk Id ov-) I an- 6pRW one m f. s chic enapon to nor Wharf e dr -Paoy Tho Paida d. pmdna Detach eat perforation and return in your remittance envelope. MO?MMR4M W. Add op w Wt= WMIS, SSR eklorrlp taabocsed on your ApP.M.ea _1 ods Di nict, sad peon. A beat tnadh for kilo! Appoia/meffi (took A P CW Diar;-wky UM each Crfa)CKONE It4now-3marb-AW U Appoiemcol Book & Y draarl:•M4a.C P.dm Diary Sd 33A-Ter) I.aive?r3iaiir.?ae ? Appoim"m book IMI-70 ?1Mdre Diary 3777p1ro - order Addiflamb s Gwaar twlyar Fefads-415.100 Ferri • Pocky biay--Man, May" Rbeactin"an n ?VWk M=F ched bee aararrcaMy Ro or mm odamto each Yen, at uc aar)on pda.ad etpgfdl zwiaR e-Y gnat Mcm dlae Fine Wrifml hatromeah • Exceptiond graft stytr, and c dMmmship • Classic 61501, ae101 a11 in Aollmbal Of Bagpoild styles • COW f3mice of bart bop x* marble or blue marble • Solid brass E ride faelad finish with gold-tone aaer 1 • Preasery ham for the mast cmrdal" lee! • FREE gift boot wth famy Baltoiel toterWp set! "Upolat pea--ES./t„ Ron~ Poo • D!'9 - MORL a4. W- OP W 3 - - - Rdklbal SET amanaaenaoa - 4MM4W6 i e a aka H - - - l a p 47o3S0112 Rderhol Pon - - - 410l3-loo T.1awa0iaarpASeRnibr/m'7arriR hars•rmranrY/InnYrr:..Ynrl.+nr M4..?" aYn.PrllsaE.RY+OCa?.nagrMCYidbatli.?r/ ail Lora be racyerrarara.s.raoraran+..asr.?Prs.rryq..rs.a+cry.ts,+ryas+olRr.?.+r)•..+rbaa'•er/ni+rri P +arrnra>vwr.. rte. a .?rrrn w as iwbw•shii w rar?aaa?:r`ra.?.rim`war CISC ...arbra. t.. Brae Period. You wig have i amirinma. gram period of 25 Myer wman I natce ch- w on yew pu h-.m new balance t-I.To, new spocat purthasr and raw otir dargh n you Pay your lad -New malacca" In aocordn Well gas hmpa- NWpe for payments, below, and In tins for IT a be c admal by your tea taalamhad diming MIS. Thee is no gem paiod on rash adwnra b Made! Ira W- In addition. aerc Rs, no 9- Paled on any trantah=ion H you do cal pay the mW -Now M.-.' b. Awekg FIm- a charge. Tntinaaesiona vdidh .tenib suntan. to • Clot p = am asseaaad F.a.rhm cnit0• t l iron the d:, W the na meson a 21 (roe the Mae the u.nmalon k pooaaed to your Aw aura or 3) tam the five Wender, dry at Th. matron baring Pui.d. AddtiaWlr, if you lad not pay the 'New Bdahm' hoe the pu Mona d10hhg patW n hR, unall oimagh oambaR m atone dl yW moons Marra rat? ths aaopsid bdares is p•hl in nor. hta aoeana T That you ribyy• NM n..e Bracts dash. -if YOU pay to endrs wen Bahrra irndcatad m The Lon of V.. sor nwa by de nnia aRatwnaa cloning date, ban old rat dow for as prewaa mash. Lap.id Isere derma rc added m The apparable sapnad of your Acmu¢ tn.. ayrdmaaa Fb..naa Clmhge. Fen each bafnp p dad.Vat O , o d, m oa m hdmce la The paio6c rtas To obtain tie awsoga dolly baling panne eovewal by this suraaarr, we rata the new bq'nimnA baeenace Wart agpeena each day. add any traoaNOh m ado sepwC and at&, a y {uy? nat or canaks. to the ride N app- m the f"' oa Him stnninam nee to -BOanm Rae Applied To; r.e it. subba t any opdd Womon dWW irdhded b floe bad.- W oath mT?Mso r.1 The of-n as The dry bohn- W each R Mae .0 The dea bk- for -.h ••gm•ha for fe WO, period and dWnby 0. ioW a.rrawr M days in the bWg padod. This mines m the daily bdance W eadn aepaen. 3. An mod Apto Rdh fAPRL nay apps as a. The taw " -APR' on the fed W d4 atna.a /deer Pamatape aurae"t- b. 11 to cads P pi.W. L ii.eo. LHIOW. C R:.rtseme of (tepoat). a S fddra d Prime) appaa6 an to Imm W tin tanamrt menu a the peftede nateW. the men ad A/MY1L PERCEfF RATES -my M tat .10" in Th. W spoor .saran{ FIRM Ithe maarpn pRhwwry dhacl.sad to you These pW?og4m wa be efadve on Ha 0m My f you ftmjn* Wihe mhvets Ayo ?Jamany, road pdL •idc O mbar e ll the code O Rir+d, F (Ion LIBDW or 0 Ciao. usm Rapdmd Mommy) "Worn m the Iaa W y.or ramanaar won To the pd d. do Maw. the pentode ram and mnaP•hh I - A1adrAL PERCENTAGE RATE may "af -nndcm, as t may whe in rim w.e .Awa ? rK ppha the -4. peMxady docimed an 'den Rem dRnga vra be Wlectie on the am day W yon 6lfohg perod tda mocLL 4. Ahaaaaao r Lola O+abna sal Rada-W =;.F- your, account m? be maenad s take tam tax stand bate ten acc r daig any bffirg Padua Under to tenon f your rsenTmter .9mome t, ens aemerro to dolt a ..give a not an aamm try fat w d-A pia hifotiw m you "a t waivhg our aifa m aaaeh the saaR a do tar }}deerss n a uya ems 5.TR nawbg Aamaamm. This ¦ na m p lee appall m The the bow on r n. s ort. you Raw you how Vs, day. Lam tR aloha sin ordoh an yRtr m paying t f- a To ion- un ~ve -.h Ns, caseload m you .- H you ono Vo u account. Ohdrg tic period. od, yen me•Y gamma hi i a yos your ccoo y ur ftwour ccLuhdo spry the n by era To coned elaml yoga L V yen t am nodry tlry - m M raltg w Gmaww RoUrd Re4t4s Dalaauaot and pry y 'Nam RaWam' in boll /acbdng doe nwabaenp Lrht pia a 0. ad r , t:rty'My Pafod S. H Yw Ckam Yo r Aaww. Yon son Ropo t To done Tom somata a rang mr Q unmoor Re ad- O•Momn.ta Yw maw dwmy you odd. cardlsl and accahat aoasaa drda, otaol d peaty canbaling. and case Naur ecaahl H you d. not t n dm Poaubm aec» aarmapertaanra, ens vvi tmoiydaahr yo W . a c mamw yen soWoabiian n e•P•n Y•hr aosohad. wd6ft.rniM, Nona aeeaaar cur na ba unN wo paY d aamnaaas Yon owe w ihdudcq +try d- feewsn, . o yraiendT NS 1noh watmaed and fi ayoynonwdrapes, past due fa, rmw pr lea. . cads ad-- foes aro try alw Tao asa®nd m Vann .cwa_ yen aR rapah?le ter anm a nouns v *.0- very appeor m you ar=aaat n the ILae ran mgamta te dons Ne atmad a *my on incanted snkmpmt m yon -9 a dam tR atom[. Tys may anrdl in dh.hoh aaaesdha w rntur nedoam afar ten fah N Va. s WVirtl a prdcme tram a -,.hen ald we mceive ate trenamcTiah i . tie a moot n eher yeta accout has boat doped, yon aecuut v a be mopon d. the annum W >e dwge wa be added a you atohnrt, and you won be aeapaemrs /or payment. H tare is a members hip he La Nan sewn, the bm Wa .Wma, m be c1ni pool, m the ament pemdtted by low, aaa the eoaat bomamen bib town paid boll a defrTed above. 7. Wing yav Armaat.Your cad a access Cannot be land in carnactare -M h ary imams gambbq nrraniooc e. 1/lm d w aamh:b an Convarsion. N7vt you W.-M. . a dw3 - s n pyour Near I , you aotla diner to ur inmsnaaw LoA m make ke & ke . a on one-tinno Nactmnic cud ftahl Lom n yo you bm* m roum od or m o paces Hoe pwaNowt as r BCheck ach t m mram maaeion. tNt wen ten ita ales. an caa Nona a RAke T fa dm bw* lead twsta, lads may ba wia - from m Y•hm ttadc aaaut a mw as tae :wee car rte receia Mar y =.&W yo col raedw yor date beck tam BRUNG RKMITS SUMMARY tin Gan Of Earns par Oum"- Alas Yen Bi101 If you fatale yo r b• b wig, or H yen read sae nl.nmaon m a raaanmoian a bi, yaks to tr m a mapnam don a wet s P..A fa at the add,- let irpu:ea shown m m. bon o1 tic statanen. we earl s m wide tlr an lbon carp ar mra RIM vhe son You rho Sim phbos, b do ft n m You on WaGatomaRd e rierm rmbar, den dm+g vvR rot phervn youa en and a®hn nwba dOaarrae N Nv - give mr, tha the ldownq inno t Ya ear amaunt i ss d ate angacW errs, ¦ wesapomt o1 the now and m aTpWUlioq. N pohada of why Neu bdicri L In. d amt; doncription Vo tf Nib resod mabhe iafrmhnh nL a of der ham Nib end wens Ronan. you ft m riot htow To I. pay ay any anew ftad ways hR e eras hhvwip t, tin you aR tai o bipmatad m pay s pans of Nor bill bill teat am rot in tpnealloaa whis w nrwipare Mar rpRStiom, rte canrhot ae you daaT4ataa a tales try sttim to eo0m tin am- a you oPtetaiaq t,t Special lime For CRhft Cand riartaws if you haw a Problem, Wah tae Qrky W P.Pmy a sanieen Won Nib ptadamsd hnith a cmaat card and you hove Ided M good taan m correct rte problem ban the rnerchom yoon ray how 3h. olds rot 1. pay tha leaeiirg sIm nad due m the Pmanty a aerricQ. Yoe have This Peedim TryY Wwn dot pnntdaaom Pmet wa. - than 550.00 and the pnaetnm his road. n ya,r long nine w vtidin 1 Do in11h W Nor muting addnse of vR own a -Peyote 11. onerdwm, a H re ,~ you tea d-nim areal fa is Pro erty a neenim, it phrdaces arc mwmd r•- W manna a locatl.n of phrdt a.) Please remember a Ripe d cmwapadenee. t Does nor apedy 2, emrnnhv naroart cad accents r Does nor apply a k- as _W card adcaaos Com appals Rnfoweation Pd".Y pmt"-: see our a wrvraopilalnie.caaa. Oro "R a Ld-a0y ngttaensd mrAm mark of Caphal your tan 10nor c. daarga -AdIV how the appiution of pedbde mortal is leas tuna 40.50. ea wA pommel tat arnoun from the 00.50 mi inun and dY dtRRnce ual be baled to the purd ase, p W yar sccatse. t d. Tanpaay R.d-fl n n Fshaae Chug.. Mk eaare Ira dqM mpan?t era- any a d 9-- charges Ice srry given 2. Awatge Ddy adraa Im?iq Nw Nrdmhd- e. Race daoge a cat. by nsdagybrg - Miy boll- of earn aapamm W yon aecaaa 1. 9.• rash advance, PLI.*-, apaod to arlar erd napadd pemdaael by " conaapwdrg dWy pa iodc ;= Inn Its ewe pre iady dockmad to Vou. AI one om W aadh day dati g the bang period, we apply an dly ped de ere fa each span of ya. s=LRd m the dry baWrs W each now . Taw n ere ad W to bung peiod, tve ado up the eadn of den dolly cdaialiaR to anive n Van Pedodc mono cheap. hx mach wgnRas. We add cep ere moults fmm -dT aagmem to aW- a aR lnal pa•o6c awry h*W for you arrant. To yon ere dly bamn?ce for each'Womrt W your, aoxRUa, vs, uke the fegerag balahm br mch segmam area sad wry hen rmaanlom end any poioda lrtantm d .'" ralcdata l m to Pan. day's balance for aka aapnrd. YVe then ado 0 Tory paymars a read.. paor.d ere W ate! day ten M aaocaled m aw segment. TMS gittes tR she sepame MAY balaee Ion enih taepnae W yo r avau t: Flowsm, R ten odd the New Balowe atone on yea ptehions Menad F fun la n you amen bdanot -a rare. a • eredl anmwh.d). new Irahradttm. vAdch poor m yen p+wtleaan a >pstr pnrctem Seynrts am near added to t e daffy hnWtees. We catalog, ere average dry bd- by add. A ere dry Wmatces touter- erred TIMdeg the aum by f n-db- W err days Rea der asownt lIng cyde. To mhcd-e your lour finance venage dar pertddrgme ad q. oho sma b., otldbys?n eras NFp d AR m mu+6np m s daily boos, ". may be ¦ wd-ra carne-n Ws, raki4tion and ere amass W (nonce dm actuly Rosamo d. b. H th. C9 o Z - N appea. m the Ism W T is -ammem nee to -Balaton Rome Appind To; vre mtmply tR 9163M Importsnt Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom port ion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Vrginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT_ Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Wndaythrough Saturday, excluding holidays. Please do not use staples, paper trips, etc. when preparing your payment. 002 CapitalGw • Employers check credit references before hiring new people. • Banks and leasing companies often base the interest rate they offer you on your credit rating. • Achieving life goals such as buying a new car or owning your own home are facilitated by good credit. • Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you around for a long time. 002-1001 Capitalow, Account Summary Previous Balance $587.51 Payment, Credits and Adjustments $1250 Transactions 186.43 Finance Charges t10-60 New Bane $67204 Minunum Amount Due $172-04 Payment Due Date September 11, 20(12 Total Credit Line $500 Total Available Credit $.00 Credit Lire for Cash $500 A%-table Credit for Cash $.00 At your service To call Customs Kdatiom or to rgntt a lost or stolen mil, 1-800-903-3637 For firs wffim ccount swine .nd spec.] astoms off m, log m is uv w. Otdonacom Send P•7m-,U to: Send inquiries to: Attn: Runitt.nm Processing C.Pital 0.. Seri- C.PitA One Savior P.O. Bat 85147 P.O. Box 85015 Rkhsnwtd, VA 23276 Richmond, VA 23285-5015 8849M Capital0ne GOLD MASTERCARD ACCOUNT S291-1518-5636-1793 JUL 12 - AUG 11, 2002 Page 1 of 1 Payments Credits and Adjustments 1 22 JUL ELECTRONIC PAYMENT $12.50- Your scheduled payment has not been rea iced. Please remit the amount due appeari ng on this statement. If you have already made your payment, prose accept wr than]- Transactions 2 11 JUL SHEETZ 5201 MECH-ANICBURG PA $16.85 3 12 JUL OVERLIMIT FEE 29.00 4 11 AUG CAPITAL ONE MONTHLY MEMBER FEE 6.00 5 11 AUG PAST DUE FEE 29.OD 6 11 AUC PAYMENT PROTECTION 1-888-527-6904 S-58 finance Charges at ia n •r +n Pkme,cr se,kjorimfortarAin,? a?.tr ?, , y ? C g Prr;•ar c°^??°c ? ,?cdm RGE r?r PURCHASES $63012 .05425% 19.80% 510.60 $ DO CASH $.00 . -05425% 19.80% ANNUAL PERCENTAGE RATE applied this period 19.80% V PLEASE RETURN PORTION BELOW WTrH PAYMENT- V 0000000 0 5291151856361793 11 0672040012500172046 New Balance $672.04 Minimum Amount Due 67204 Payment Due Date September 11, 20M Total enclosed E Capital One Bank P.O. Box 85147 Richmond, VA 23276 1 1 lu ?s?n??n tltilutir??n??n,??nrllt ul?u t?lurllutllut? Pke j-jd&M J,%w lebm wi r;1 c a blot ML Saes Apc t Home Phone 99022337497863051x1 MAIL ID NUMBER Sue .?. LOUIS U RICE JR rn 306 S YORK: ST m ° MECHANICSBURG PA 17055-6302 m 0 ? lntlllurllleuslrlgltl nllptrllellunr'tll?nn'l utlrl,? 1 Please unit`) - account mumbo -y- -W w rtmney nudes modepyabk to Oita] 0-Benb and -W in the udwed-.),l fe 8 o ; 0 °. N 7. !fora To Avid A Fihara drwpa. m ri f paiodc sae, To oWin m avaape dAY balance for the hre'e period covered by this ataaarn, wit take the yrr .rms. It h has akmady been mace nor enrnpre. if you sud dzad a prods it- a -fie n ad we o t a. brace Pwbd. You will hors a miriaan pun Ao O 25 days whhwa inane dio it an raw purdwee , new aar Wd'a°° and row odor new a mbt d b ==_ a1 ean ioadi day. add any new nch rprrrq and oulaviet any pay word. racers the trasaction I- the am-ai s alt. you eeaaa has been mead your aeceom wi be imported, msa W be added t ar 1 h W p - ttr i , dharpsc H you Pay you foul -New Bd-', In or cadre in m ode N appals an ma lose of ew aurerara near re 'atlahpR Ras Appid TO. we lea b . t ape. 'mo - 0 e If -e ad you hum W maPaMet° tar paymas. .cordons with The Import- Hetim for PaYana below. wid in rise for it to be cue I ad by yea nam marm srbmaa day u0aid fine oo dwps krrirdee l m balance a 7Ns 91 rr the daily bd- of aach - m nth.. ip I. I. Y- -eat. the em will hariaue to tag carped to en°m permin id by low. call the dosing dine. There a ca Aran p.W on nah adrorr rs arrd p d.1 nndst. l ddakrh, theme ro pun pwi d - -- Wd up all TW daily balaaa° fr nch = ,= eriod ad divide by the tool the bfb f -mm Wlass h. been pad *A as defned 'W-. 7. Usiy Yam Aroad.Yrf nod r .radar canes be Now n dry r!-Ltion If you do not Pay the total g p or aapmrn narba a days in it. Nabhe pedod. TNs 9-s w the cad l nrrheedn ..fm dry iwen'et e•mblinq balarha. am Trnsaabrn w b. Aawlp Flnnee C ce of each segmem. b aa ramp. ddY IAPRL irarsaubne 8. Notice Abort 9r1ania Char C- -v-,-- . When yen g aoc ivied ble r° a Area period are -em irhsn tinge 71 et from Me of the nauraaion a 2) Mom d thin date din m R o 3. nto teas a'aa w e a. 7lu "AUrti Ptrresa+ee Rare' m•y appear as ' prorida • dock ea p.ymam, yw arfloite its aides to tae nbetauon lawn you rims m m.ha sore-rime traa.LMrr is pnoaaed to you ALTorn or 31 from din Into calem.r day of TIr nett biGrg period. Ad kW-My, l" ' ' APW an the from of this raramet. b. H m nda P fPrn.1, L (3- LUBOM, C fCioill to o1 or S IBw6nrd Pbne) appeal n m hurt of Depaa ) dearoric bad uwmbr boa veto bank 'eau. r to post it. pryraem as • cock t-c im. Win we can m Paw New Balance 11 you rid not pay Ito bill, period in k1, fate not rinse rsmir- to acme to , this wwaarm naa to m pad°dlc mNa, the prlode nes aad o...q ndW ANNUAL PENCOITAO RATE tax Mfonanbn from your dud to make n °berrmic hot Wu Work 4sd vatsler, kahds try W wi m urgmW bah-ca ?l m unpaid bdaroe Is paid n kill. C a tears rot you: stn/ dam erwlm daNea, oven if the firs °1 nd d o may very aprnar y arm may baste err daem.ae based n the awed Furies. u feud - The Win/ S~ ay - ve you arras a teen as The serum day ore mra W Naaa• and you `rill rot termite yrrr dad bed Thos or r+te you pay the awls Now Balrss you aatamra by m ram awamm?n doey dam, hra the h .! eK 0. Au mapin Pre'-Wv dad°°°d r Y°'? Tame de.nges Wl ke Nbcthm n m first day a you War 4rrhdal insdtubn .M- hull da W for m pswat moot unpid Francs am added u The •Wkiibl. sagamm of Your ACaaar. bliny petted tpraee by her Pdetit fumaim enckV JuY and Ooober. lraatY ADd do earls BILLM RIDfrTS SUMMARY Il Case Of 6mm Dr Ou dos Abrs Yoe BW t c. Ni a- f i'rwe (!taros, F. -ch MAW pabd that you accova a abian m • tinter ch-W. a minimont f m . . . c If m nee D Wdarel. F fl rho. LIBOry a D Guest. ti d MornHy) •pp". n f1- 1iai l 01 Yrr LIBOR fk H you dint You bill a wrong. r if you reed moo adommtion n a innimciien or loll, rake to us n a total faNAtfCE CHARGE of $0.50 wi be impa..d I mW fswrs douse r°addrrp four m appicarion of V°t° h p afaarraa ram r m padotfc rateW, m peri.dc roes arm urrwpa'dny ANtAaL PERGOITAOE RATES may ahpame dad a noon st poaalbf s a the eddess for Mqude down n the from a This sutnwa. We mud at paradc ore(s) Is lest ton 30.50, we wN s bttn t amen loan din $0.50 mbtbnea ad m dtlerrhn wen W nary atautMy am iz beseeae r deciam a Weed n din hear from you no Ida dun BO dinYs'her we sir you the im tall n whidi the nr r froNorn agwrad. You can ud upset of Vow emits. Need m m pu wr d T Rdatbn I, mare c aape. We o-ne din t and radars, as food l TA° W,I Saaez.brmL pit m mope pw'nody dradead m you. Thee tl'•r'De• 0 W elfeeiae n t1- im day of yhu biey paned cA err Gea°mr Relaiom haanber, ba11 doing ao wi rot pewee year fipea. l your Mter, pre a the folow6y . neaa spy a all famaz dirge far try Aran d p M - erfi howl, i irmak_ You home ait acraar nsnbr, the dollar qrood b B M 2. Avage Daffy BWro° IkWUdai Maw P-d-asl. 4. Ataaarra d Lava, Orredt a d Rasartd Pal'r°e'd I -. ream vA be auras d m rhos T1rn two o1 m fees Y norm, of the tmepxrd scar, a doia pin of due error and n oplwrtln, 11 pnable, of why Im beieve dhere b a. Buono carp a o0gadatW by rnddpoying m dAY b.I.- of eadh to gear of Vita aoasm e.4• teen he i ow ltd I- tan oar duty a" bWfiy period timer fie we reenm t1- tips to •ar Mar- apmeawd foam d an enar: or H you nod woe kdornnoan, a deaerpion of ea om yaw am roue abort. You do ro he- r pay airy advance, pudhsts, Wadtl framer. and apetdal Pte° •e by m anealh, I - daily paaodc nee) that Ira pen ' Y waive w rot r ataafa my sin wfNrr puler nodir:aion to de same or airibr anon in gtreton ,Nib we am ntedgathrg h, tau yn m wM abbg. d to pay m pans of you bR thin .m not preriordy dsd°am r you. At m ad of each day druN'e the Mini pdnd, we aWy the dAy wrla6c ram for -.h h you lit ooh vn.Iri'y err dpi to - a! You A°mat. H • maaWrslip fee 5 l Wide tae invewywe yon Amnon, we ca nrot rapt stye eef"gtwa a take dry slim r elect din sepaam a yarw'ctmn m to diy bM- a. aeipoaaaL Then a din am of the 6gfiy plod vm rid rp . pp- n ds foam °f ds weta-M. yn Iove 3A enaua Yw ptrestiah. rte reaba of these daffy okadaiar r ardhs a you pdodc fah- -h W ups for h rpnnt. W. rid rp the m days Imo do them This sutanrar wee ahAd r You amid P•Ykte m f . r to ore such lea redid m you ' t,t Spedd Rde Ion Colt Cam Purduses reams loot each ashen m vid- w the meal pail do fin a dharge for your aria,". To gr m duly Wlwhca t you tips you sawn- Duty rids peubd, Yoe °i°Y conies r tae You aeraa widmta 0`6'0 m D•Y the , if you have a problem with da gmky °f pnapettY r for imb pernaa of ytea acotra, we take din beginift --actions d rxf acaat, you niter mondedi Ice T° ram¢ nwlty'w by rally err Claamr Rdathes Depnnam ser-es tut you puduaed welt a tract card ad you hove wild hood tahlh to canae m Problem with tar marryy row big- lot each aglnaa ern ri alit why padodc femmes drmge urloJned din paviora anted pry Y?? Mow Bdaao- in hurt (wrci' , m dr T° dr rm of tN di nytlry perms W aondmrrt. Y•e try haw the rips not m pay m tmo6y Yn have TNs err ' r serums m on the t d day's W Win for That mpmrn. yYe don adrrW a y paymaras or taadts pond ea a oat day dm as abecatd °'aabrahp p B. H Yea Cam Yarr AeaoaL Yn ran mpwat m done . p e aniom p l pmarain -1 .don m pwduse plc hen room dun to ten tegnmm. This flits ten m trpame ley Wawa la salt segos a your aCM Hr.err. R yn pid tar Wta accra by taN - eta Cie aner Rebdone Oaperm'R You our damy Yr° cr°dt nrdW we 150.00 ad the purlua win ararfe in yrrr host are or whir. Tao rrilo 0/ you money add- of we own r New B..- a- n yrr Ptsrious s a°mas n kill (err new da aaaal) aeon all ducks. cwcaf me pmautndaed Miry, nm nsae ra6y yota aturrd. If Yn do rv onto opeme to ,-= or It we mailed you m ,drerti>mnran tar m papeny or can ias, -1 Wrdrases , 11 new balaae was zero a a ua eptl 11== which powr Yor pae'•ee or oa pra.ulndead 56y enwya"wu•. we "'i nrrid°r m corree mpadeas of anon or to cation of punius.) P puera sagmars am riot aked o m duly balm- . We l mcaip of • doge y- sAOd-then r olden yo'e Vow axra vA ma be dud Adoo.-ay Lrar lease nrrtrnhba r also A conepondmae. y mic late m awns. dAy bad- by adds- A m tM baincos Together am dviday The sun by m ounber a , ar . urn you PY ere amuo Yaw owe rr ldudu¢ any t Dom, na -A* W nmmhr .os-udR card scrnr.rs m days in the orrant Idling r.'yde. To slalom You mW fioram doyen, mutiplty'' yaf erv+um dAy balms I m m hiir a da I frmhanrotm Yso hove auhoraad Inca drupe, past din ass. omrialt lee. m'u . P.,". fan, nah ad- fee a t try nor tea astsd m Year t Does not apply a, tudn.,s nomraeat card --of. p ys . daily pabdc rte ad tay m rhurthar period. D- ta Iomdry n . daly bi a. dam may b. . OW. nulma be -ilia calnth.- and m amount of accaoiL Yn am uapadMe fr these arouts whahsr they appear en you accwar m m dam pea repam m GpfW One m4P°Ra infomatin p*-.v Irrwazlion: lee our vmhshe a www. q[Mp ram. a o wel sitars doge sm-Ify i am m. H m tab Z or N spears m do k°m of rids "ammo h dose us aamrn a flay am Formed a 1-iti m m Y°°r ngtrat r d°a° m .warn. Tka ueaY ?'II kit repaerd earvin mad of Cpittl rarfa hay o ins a a t On. Tstndtl Caporsion. PJ d" manved. ° 2D03 . sea r 'Babnce Rne Appfee To: we rratriply m dagea appearing on--y°uye err .1r Yrr K M GPbm pro O7 LOIbAK 8849M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelops, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Wriday through Saturday, excluding holidays. Please do not use staples, paper trips, etc. when preparing your payment. Keep Your Account In Good Standing! You are a valued customer at Capital one* and we are concerned about the delinquent status of your account. It is important to keep your account current in order to avoid fees, restriction of your charging privileges, and damage to your credit report Your personal credit report can impact your life in many ways. Your credit is usually reviewed when you apply for a bank loan, car loan, home mortgage, or any credit card. It can also affect the interest rate that you will be charged Your landlord or prospective employer may also check your credit report to gain insight into your financial responsibility to determine what type of tenant or employee you may be. GOLD MASTERCARD ACCOUNT 5291-1519-5636-1793 0 2DD1 Capital Dne Services Inc. Capital One's a federally registered service mark All rights reserved. ? capitalow, Account Summary Previous Balance $677-04 Payment; Credits and Adjustments 1.00 Transactions $7029 Ftnanct Charges $11.89 New Balance $754.22 Minimum Amount Due $254-22 Payment Due Due October 11, 2002 Total Credit line $500 Total Available Credit S_OD Credit Line for Cash $SW Available Credit for Cash SAO At your serAce T. ea Cuaornc R.W- or w report a ton w holm eark 1-SW-903-3637 For free online account -i. and spend ..... 8us, Iog onto .oaw.rapitalonncon Se,d pgmmlr te: Send inquiries tee Attn: Rmutunee Ping Cq;W One Satin CsPiW One Sepias P.O. Boa 85147 P.O. Bear 55015 Richmond, VA 23276 Ridwenel. VA 23785-5015 Irrmortant Account Information Capital One is a proud sponsor ofthe 54th Annual PAmcfane Emmy Awards Telecast Tune in Sunday, September 22nd on NBC from 8-11 p.m. ET (7-10 p.m. CT) to we the talent you've enjoyed om the past season unite to celebrate utotber year of groundbreaking wort: in television. Capital One vrants you to be a part of the excitement! Check out Capital One's ad in the September 13rh ime of People magaune, or visit People.com for more details. 7451M Capitalo>wl AUG 12 - SEP 11, 2002 Page 1 of 1 012 Pa yments Cred is and Adjustments Tnmsactions 1 12 AUG OVERLIMIT FEE $29.00 2 11 SEP CAPITAL ONE MONTHLY MEMBER FEE 6.DO 3 11 SEP PAST DUE FEE 29.00 4 11 SEP PAYMENT PROTECTION 1-896-527-6904 629 Finance CLugrs PharcraereacrocsiAc* important ii fo r=afiim B.6a? or eri P od C-M 11"t " ,?Zidm (. HARGE r ? PURCHASES 5706.% .05425% 19.30% SIL99 CASH x.00 .05425% 19.50% 5.00 ANNUAL PERCENTAGE RATE applied this period V PLEASE RETURN PORTION BELOW WITH PAYMENT- • 0000000 0 5291151856361793 11 0754220012500254224 New Balance $75422 Minimum Amount Due $254.72 Payment Due Date October 11, 2002 Total enclosed f PI avp.7-., aldeud sec kA--.ZAf--H.at wE G,y Sner Home Pt- Alarcon Phone #90255374978630535 HAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 306 S YORK ST -1 Richmond, VA 23276 ° MECHANICSBURG PA 17055-6302 r 0 in?r?u?iu,?tiineieiiuiiueiiuriiutuutliutnutiistti ° Iu,iiin,III, Pkarc veils 5291-1518-56.7-6-179.7- oxZnw ?tcF err mowg wAa made f%ubk ro C#kd One Bank and mail is tlx endmad envdoa 19.80% Ape e 71P r t a erase Period. Ym -rill Mrs • rNNim+o Prase period of 25 days widhtae fr arrce crrye an new purdhaam- new Imme ,ratMsm, mw ep-W puebecu nerd new odw dha,w H yml pry Were MA 'Now sNeoso'. I. aa»rdancs war, tar allotment Ndm for payments below. ralNnra -d N time 1« H " bs cre6oed by your nami cash d-rca doeTq dete. There i Or sofas Periad on and .pace twrwsre In .ddriarh, Starts I. no p c• p•Timd o any !m-scrim if So. do not pay the teal 'New oinca. 0. Amliq Fi.mtl t>rg•• Trathtlcim scare .nt not =W4 ce id as assmsd fiutr- drape 7) e of rime toracrMs or 2) iron She dau Star veranda 1s pro®d ten Saes Accmat or 3) fan the firm -larder day of the crrlannt biiq period Ad6tiaWly, II you did rim. pay the -Mass Balwce' ho.t the pnsuae trains perks in kA, roans- c hingm Continue to arrss as yam unpaid briers- Tai p- upald bd. - is paid M full. This mraos 1M Soo eery mR awe rsrr- -%-. ease d you pry the a dm Now BaYtr- Iralmned on the free of year matresse by S. nm2 maraerant c xkq data. boa did not do - for the presser marsh. Unpaid Strap- charisma are added to St- apps-brie segeea of Saes Aaasa. t c. Nfi im rem Frsemae pres. For earth bU" paired Star your accaes Is sh4ee Ta a linrrs charge, a mini non Tani RNANCE CHARGE at $0.50 Wit be inposd. if der tear firers- cheap samtkq from dhs appiieed n of yes Periodic mfew is less alien se.so. - witl mbrmer the amour treat Ne $0.50 nwikam ad the fHewnce MI I bad m the pesdrs sgrhete d Yens .moo... td. Temporary RedhMihm is Fishes Wp. We nefewe the d¢o io not ages may or as ire:- doges loos any g- King paprrtied 2. Avernpe a. lism? re New heck sral. a. Ran- shag. Is plolwed by mmltlplyfng the diy balers: d each spirt d y- acc-* k.0.. earl .dmnse, plcharm, special tram W. and tpmI Isechse) by d. comspmdeg daily psrlohic rTelid last Ihs base ==y disclosed se you. As the aid d each day dahq peril, we WOV a- diy periodic ism 1. tlda segment Pao .R9uh1 b 1M di ?1y balance of each .merest.dThen m ar Std d Act M" period. we add to der rapt. of Vas daily almdaimaa to .true at your asse We .,Sit ns?ul c from eac h?sprrrmir tall par sec se W- . the Barre cease for Soren a¢sca. To sat the risky ha seas fry amdh argues or WW aRwt. ear Take ar bapir?hg and try periodic inns- those dmdetd on V. pro days balance it ds ampwNt We doh ahdaraa any, pa cmda Pmmtaa What dry it- am aU-.d To art aernarr. This slam m to ae"Ole diy berates, fa saris eegnlem of YmW acmes. f year1. 1W the flew -den- rams on your Praw nr If you Taw belwo vas zee or a molt reams), new traos.cfioo volddh post m yew reac ase or leader P-1 Wedrse ,M -ma daily balance by d*q .0 the d We Ml.nors Together and fdfrq the run by Or rmmbe, of the days in the tamer blerq cycle. To rakvlem your Taal frnmce sharps, nerhiplr Sea .-rope daily Wass by TM diy peifc is and W the remmbrr of day. in U- big Period. -ft- henme h this dairy m6dom anitaim, d Ow someone arsbe . e of fnhence W acmh•eY aasas.ed b. H The hsde Z a N .ppsm m da flora a this mwama+[ roes I. 'Beath- Rat Applied To: we nhuldply the . . periods r tar. To .born the ...reps dairy Islets- fet ,M biRmp period coved by ahi Ma1a-m I. we Oaks the begiratimhy balarrs a each segment esrh day, add - T-w Irataaetherr b tldr se- and ailed ary pryments or crofts. 01 the aria N appaa en the t-m o1 dt sraamsr One le '9rNhs Rine Applied To: vat after abtttrcr any uq id Walmat derge inckekal in tee bele ce of aadr -9masa.) This simm a the dry Wert of s.. h E Then, we odd Iq s0 are deal, Woos b eerier pnmNr Ion der bring pried and d Ada by the road mm.mm6es d deya in time brig patio I TN. 0- Or ar .verge defy Wren- d r.rJh:ogres. 3. Amoral Paeertage eels 1APRL a. The ream 'A-.W F r - lice' may appear as 'APR' on the from of His wummew. b. If the code P 1PdnW, L C3- LI11010. O IC..,S ? d Deposed, a S (Bmaud Piro) appear en the front el stae m lemront ring as ass periodic rweW, err refild1c wes and connaM er ANNUAL PSICENTAD RATt'8 y wry Pw ant, koeatl or decrease based en 1M mend mdrt., a frond in 7" Wd Seed Jana( plus Uhs nharpin goo.' if disposed b Vet. Thtla Changes Will be eyfeeiae M ar firm dry of you in "end, Jame". Apdl. JJV and OCUkff. c. If the code D Ordeal. F (l? LIBOW or 0 0-rmo. LIBOR Rapti-d M..MVI apse s m The has of V- WW Ill. c may ad armspmmfnp AANNUAAP?O'AGE ? n any mwmdY and may i cramea p demea basil en ar astW ihfcas, a feud . Was W.a shm r J l meat Pow the maegrm pm•imdy, daclowd as Sm. These ehashgme rvi be effective ro IM germ dry of your bafiq period dh nmmrml 4. Asaemmrt of Late. O-rftak and Reamed :=I- Treat aecose l wA bit mead to mom than lees limed hoe alit, actor doing easy bring period Under dse -rear at you ammmer agreement, rive mtlrvo die don b vivo a not to sees any, f.a sddau poor ratification m you Mamma vaaihini w rider " mm the :same « emmear Ins an s to. dam. 5.Tfles wfrhp Yea Aamaa- H a a lembesip Ise appear co the has of the mammas, Too Mss 30 b days from the cat alis sme mems ass mhs.Had b you amid p.*V da f- or as Mwa such f- cr.dnd - yet, it you arcd yam sensors Duiq We Period, Shies airy card- as erne yam avtmr agleam lal ft b pry the menpnmip lea. To omcd You a®h.a, you meet modal m by scrip w Cesmar Relemor- Depabera ==b; ee Bm.ence' i ka rmrior I dre 1d« b the and IM tiny-dry period i. H Yo Cleo Yam Aamaa. Year on -guem b r1a yyeaorm amour by osq au Causes, Rd d - Depammrr. You seas deer., yea croft mrdW and account arms drab, fa.rtf i p-wmrmkd big, nd -as e-thepisygea ace" ' N pu do as Ca-al en your ec.ip at taaa der yme cuff der mopes artmom. Additionally. Sane --A wA rot be clod coma year pay .i ¦amaa Vast mere - irAtdmg ay traosac-doo you have -tladzd. Lmvice charge, part due fast, o-emit ten, maned pay.- foss. sari curse fees and any orlrr Sera massed to you aaoar. Ya a- = for d-a enlents Maurer dry appear o yam aarlar A the fame you mgrs to dear the accour or they we Maned mialgae b Yam teglmeA b does der ata-Taa. TMs may mart in camps afmMaig m y.or account asst you have H you aidndaad t Pose , Imo as meshes and we r i- ar ter -den from she merclant aber your armmaa fm barn dotld, your -mart veal be reagnod. the mama s or the dirge wA be added to yma acoo asst, and Wyrou M?? be reapmmmir ft. Pay- H there Is a merabaolrlp Ise for you assess, ohs lee raM conkers to be creed, to the mesa prnriHed by Law. horse the acfaa baler- ha been paid in fill as darned leave. 7. trip rv wemue.Yom ud « ahxoun -mart be ossri hh tamrcrion rids why in-' ifenearl; tr mm eimte a. Nodes Abwa oaerami. (7u rk Cars-som. VA- ya paside a dhsek rs paYmwe. You -it.&. - alder, b use hdreadah I- Stan duck b rake • one-time electronic fond tramhcNr ya u tlrnm Wen o err pa mo-is domtlu medpoen YmIrhomn m fro chm* b make an electronic ford trwsr«. Pods may be wisgrim- horn your bait account as rams as the meta day we -sewer Yale paymh.me ad You vi rim marine yoor clack beck from you finaride a-daaion BILLING RIGHTS SUMMARY On Ca OF E-w Or Oualimw Abate You Bar) If you think Surer bM 'r warp, H you need enoe famsasien ah a 1-romadon -'N. wrM to us on a wpmere mum a roam a possible at the address for .Wdm at- on the least d Ohms matenNr. We mum hem ft. you ro Wer the BO days arts we seer you the firm big on Mh1dh St" error « problem appesud. Ya can oI our Comma Relations nu mbar, lea doing so MI not plasemo Yom Alin s. In your learn, give -the foibrwnp nbnmaam[ year Mme ad a6aae mamba, the dolls, 1 d the w?adad serer. • dmedpd- of IM error sadmhaar an mpkrutim, If r mslble. of wlhy you below them Is -nor, W H year reed mo- irdoam.uerh. a deemtlan of One ken Va• we ehrore abou. Ya do not hove to pay any whesum in q.. d- vAA. we a- h-briarmV It, but you m ON obigssed b pay the pars W your big tot are rut In quamism lmiia vas br-ralpme yea 4asdor• no otrlot repot you as dskthgmte W mks any atria b solid the .ama aria q-suns. 2,t Special Role Far Cad, Card Purchases If you Irs- a problem wades are quality of property or servi-s ar Sao pudwsd wrdh a cull O d and you have Ideal In good MM b cons the plneem -sh The -erdrr. you may here to might nor Io pay the armairirq a mat re rise on the property W services. You have this praactio ,d vdmn the pupas pie was more than 650.00 and du puduoe ass atria it Star harm mute M widih loo miles of Vote mhairo add- 01 we own a plea" Stn mef ihwlt. W If sae maid you the sdrestiaanar br the pOlarazy « -i-s, as p"dheaes " save-d :Z7: a a Names W location of pur.he-.) anmWWdmh-. Pleas nmesignat t Does AN empty" sacraria arm-creoe rrrd acaars t Does mse apply m hmseres --mfir red acco.0. One soeporm Inform atiian piv.cy pnsteetfen: se our w www. .letr.aN. 0o b a Il, aryte-d -ti- mark of Caphal send Corporatian, An rights raaer-d. m 2003 One OILGLBAK g O o O ? 7451M Important Notioe: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 002 CapitalOne• Why does good tre ?f oun• • Employers check credit references before hiring new people. • Banks and leasing companies often base the interest rate they offer you on your credit rating. • Achieving life goals such as buying a new car or owning your own home are facilitated by good credit • Credit Bureaus keep information on your record for up to ten years so a credit problem history can follow you around for a long time. 002-1001 Capita/ow• GOLD MASTERCARD ACCOUNT SEP 12 - OCT 11, 2002 5291-15155636-1793 Page 1 of 1 Account Summary Previous Balance 575422 Payments, Credits and Adjustments 525.00 Tnnsarlions &70.80 Finance Charges $13.64 New Balance $913.66 Minuewm Amount Due $313.66 Payment Due Date Novembcr 11, 2002 Tool Credit Line $500 Total Available Credit &.00 Credit Line for Cash $500 Available Credit for Crib $.00 At your service T. n0 C-toma ReUti- or to report. lost or 44. ord: 1-800-903-3637 For fne .dine account.-A. and rP." va - af! , log on to: Seed Prymeno to: Sad imquiria w. Aim: R mutants Prom S C.pitil One Service C.Piml 0•e S-im P.O. Bor 95147 P.O. Bw 85015 Ri6-4 VA 23276 Richmond. VA2328S-5015 payments, Credits and AAy stments 1 30 SEP ELECTRONIC PAYMENT $12.50- 2 11 OCT ELECTRONIC PAYMENT 12.50- Your scheduw Payment has not been received. Please remit the amount due appearing on this swement. If you hate already made your payment please accept our shames. Transactions 3 12 SEP OVERLIMIT FEE 4 11 OCT CAPITAL ONE MONTHLY MEMBER FEE 6.00 5 11 OCT PAST DUE FEE 29.00 6 11 OCT PAYMENTPROTWnON 1-888-527-6904 6.80 "Imporumr Notice Your atwant terms have been adjusted as disdoaed in your original offa- All otha toms and cond"ntions remain in f iU force and effect Finance Charges PI-m"rea s-kfor impwramt?infimmN&c- P,a?.a+aa ArV g CHAARGE ?m PURCHASES $794.60 .05795%P 2L15% 513.64 CASH S.00 .057MP 2L15% S.00 ANNUAL PERCENTAGE RATEapplied rhisperW 21.15% 7024M T PLEASE RETURN PORTION BELOW WITH PAYMENT. T C?Pmalc • 0000000 0 5291151856361793 11 0813660012500313666 New Balance $813.66 Minimum Amount Due $313-66 Payment ]hue Date November 11, 20M Total endosed E 1 ::1 Pfi f.:a.7ly ? ael?..:?ka.r eckLd:.E APL. Ciq Sme 21P Hme Phone A]-- Phone $9028537497863050# MAIL ID NUMBER LOUIS U RICE JR YORK Capital One Bank i4306 S ST DCHANICSB ICSBURG PA 17055-6302 P.O. Box 65147 ro Richmond, VA 23276 t°- 0 Ital.1.?ll???l?ll, ,1.11..11...11,ttll„?ll?t?llt?rll"„Il...1 1...ill...Ill.... Please -4t, 529,-15,79-5636-1793 -y- cbr<k ? n eney ndo a.ode f ?oynbiClo C46ad O-Bm k -d mail in r& endmrde-doft 1 8 D posodc ese. To obit de .verapa agV bases for one big period m fired by Ilia servo mare, ese take tie Imprinting balrece .1 made star nera each day, add any new Iriasefia b each .agm.nt, ad .Iblae any wWsmnts or os.ds M tie cea N appnR en the bas of this swea ees oaa to'Batasa Rasa ApPimd Ts: hoe abo sblwe any unpaid bras curie kerhdsd be the Inds- 1 mah aeT}M?tR.) This of us 9. dairy bit- 01 each pliae for de 6irg psso0?and deice y sba ss tal camber a days in dos burg parted. The !s as tree verge dig bd- of each aynra. 3. Auras f prme nie aces IAPRL a. The tense :Moaal percaea•gs Rats' may appear a 'APW T the fame of thin aM-e b. K the lam P Paine), k ff- I.IBORI, C lCmrdirae of Deposal. r S Obd=md PdmW aPM- mtffba it sense' are statement ANNUA AL L P"1 CENT RATES wear, very tPartsaY mad rn.Y kva.mea as cheese based dot mined keda find n Tae Wr Saes - accosts, air n, a h- W a®ISe a it has .1-mv Dent closes err ehmnpe, Jomrr4 pea sir -.W W-%. fy doob.ed w yogis These changes vi be .tiaov. on we tea day of yor bang Pedal sswmod by Vela Pedodc amens -'ring de metals .Ianry, App. Arty and 0-abm L c. LIF the code D 4P i of, F IWR aePtod Mondiy)lysn.. ll(!t 0. Imat 3 as.Or 6 .Ppm. you m arm w de peace rs/sW, the pdo corn and d utes ooffeepiedap AelutdAl PEtiCENfAGE RATES may vary moeisr arhd maY beoear r decree r based on rte sw0 :brim, s Mud kn Tae par SaedJiea.i Pis pet enarpn pseeeerdy dsdoaed w you Thee elrm¢s vil be efbokm on the Mara av d yam big period 4. Av ar.mse er Late. 0-11mit and aaa.ted F"eme t fee. you sesu+s nA he sss$sd s areoee tllso tvso M tK teas iced NR *0 mar dufng arsy bWkV Paimd. Under the svmor agR...a: cans corns tic dgN b terms .• year waive as err se muse any fee Mhma Pd- rati?Lahion m saes the seas i sbilar gala Witmer eaKq s dpa se ism in a lam lies. 5111rawbg Yam Aaonea. It a tsaebeRlllp fee appears inn to fees of rib secrets. vW have 30 days tun the data IN. m? vas aniad w you w -aid Pmyig dos fa r w hors atah l a cnadtd as you it van snow was. .-m Dl-kg Oise perisq you mar raeks e w s yalr aasome eAdmw Nvfrg w Pay Ote membeeasp sea. TO card van a®tam. you mosst nodN K by CM&M .em Chnenar Positions Dmp.rrre ad =- Navy Baance' in Kill 1eaAndinp des nrf..) Ida as the asi of de *-Y-dry Ported. 6. If Vs Dbea yea Aanms- Vast tan rePam w con yy'a.hm? a®ons by oig err Cum e r ode ens Daparas. TOO wee dmwv you eerie erdW and account me s decks, tarecal r ptaaoisdmd b?ahg. and teas, you .camas. a you do not coed preamaaad ararng.maa, ea vvi esrnalar ..am .1 • elrrge year ashe Imism Its R.P- you 1 ale. Adadmaiy. ymm aerasm vW not be closed lei you Pay alt a.hlshlr a you more us nchaw saw traeaomms, for haee asiboaad, fiance doges, war de Imes . -.A- Mae. wasead payment tea. cadh advrce 1aa sad any agar I..s as®d w V- -couni. Tea s eaprn-1 far three maouss Madly day appar M You sorest m the Nees Vw msplea se coma file acrosm as dry are lino ad aLePmat as reels so es I- IF you ideon¢ed • purchase from . mererma and case -A- dta 1-.dan from Dee -d- afle V- aeaaa Ns been closed. yoew atsouu wi be mopreed, the manes of the charge vA be added t. you acaaa, and Vat mill be a..pw db* ter payraam. n dare b . memb.I.W be for you a?latt, tae Ise air exninie to be hmeadt to the ears gemmed by law, n.ai the actors balr¢z h- been paid in u as aired above. 7. Using Yrr Araiat.Ym r cad r aceame cannot be used In eanscion widn any Internet gambling traaaciiies. e. Notion Abase Eimenini. Ghsk Con-ion. When you imrAde • dr2 are payment, you monetize s either to iioarutieh Dam vow check w make a one-ewe use, decoihic fud transfer from gar hair ucehae r Io process the wyoei+ a . eietk umns.een Whon va se kn/oenudorn Dom V= deck w make an electronic kid transfer. hells may be eA*,*.- Iran your bank imouss a soon a as sane ay we mcoiw Voter paymiat, and gala aril oar necahm yen Ihetk heck fray yor fk -A aatkmbre. BILLNU RaiIITS SUMMARY fin Case Of Enos Dr Oueaions Abou Your Bi) If you itnink Vote bill I. wrong, or if you need mac inlrarbn on • trwwhabn r bit, write so son ¦ stows ahem as sort a po.afbe a he add- for irpus alhown on the fees .f this summers. We mead hem! IRea you s law can 60 days ahr vet sea you the bra ail on Made the crew or problem appeared. You tan cal rot Caton Relations nuaber, bu dokg se vii not p- your dpaa. b Vim lonos, 0- s the 1.11-mg adrnaebra Von ream Oral acaae reaaber, the dollar amour of the adpmewd -. • descdpoem of the error and se mplanselim if pass' . of nhy you believe des Is sat tars: r N Vert amid mesa nlormatin, a desnlpeion Of the is you ant urese abou. You do rot Nr to pay mrW amoUa In Quasdon die ere .m kwmipat' k bon you sou obligated t. pay the pea of Vow rill car ..Z in qt axes, 1114411. not kwea flew your asraket, vet rarer, report you as defaptant r take any anion m sheet the ammo yon Ou?oee• d,t Speda Rhrie for Credit Card PUrChRICS It you he- m problem vide she panty of propany or services dot yon purchased vwde a cmdn cad and you Nve pod In good UM so came dos Problem with she mordant, you "my Nve the dpi rot to pay the amakig amour don on the property or «mcs You her this Prawian eMY Man dR Wrdame Drce camas mote them 15o.0O ad dot pudaa war male n you Iron cute or of. I 00 cries of your -11mv add- of yr man r opine the a medic e, or n ese maie0 you the ad.eN.sment Ise oar property or a %ices, are pudeaaes tsveree seg•rdtma a mama r Ilrstkn .1 peruse-) Please rsaansbr to sign N .onsponndanee. scmads t Does rf A OV b - .ri- cad( ean' t Dines nor apply a arraase n --* [sad sccauds One apports khbsation p nvacy poteeeWm, sex our at --pitstio- oven. One Is . bdweler most ed service mark of Capital anal Cornewiion. Al dents maerved. a 2003 t a. Grew Period. You evi he- i n erimaan goes poslad of 25 ay. vieeu fxwce drrye-mph °m- - bat . fntKMR, -Tidal alim, rytarg. n goo pay yoem foul 'Napa Reimer', a cadence Wet the bepanans Nabs Mr pay.was below. and in firms ter it to be erected by gar rs sees et tbskq data Tiner. I. no prams gaffed on atih ahres and esysti I inert R. b .ddrtfmn, eery 1. s pas posted em mV I-eian it you do not pay Ihe total'Nmw Nlares." b. Ammft Fitawe Charge. Trrrxtio s wlidh are reoe sb)act I. • pace period are amassed Ili- charge l l from the data of the trim ...I- a 21 boat dot data 0- ... nsaee. a Protsasd w yam Acorn or 3) form Yee first calendar ay of tae amore biirg p." Addideuiy. If you did rot pay the -New Bdarce' from Me PhehMts bang period in hi, fnr,ea charges crakes w aFF!m Io yax u p id b.1- uY ere unpaid blocs I: Paid n I-& This seas err you may ail owe I- I qpk aeon if yw pay rN entire New sabres bndcmad on the fees of your maumms by the era f aanae ndoo:g dose, bar did nos a so I. de preveus meats. Unpaid imams -ergs are added to the appesble seprra Of yaw Ateaue. t c. FAnnesm I- Gage. For each bifeg peaed!h- gas aaure la ablhee 1.. I- ergo, a mmm- total FINANCE CIk4RDE .( $0.50 war be i based. H the teal iKros ch. W raObig from Ore appkaeioa d Y- - mui.) is Ion born $0.50. ere A inr.e dot among from the $0.50 ereYlnala and tae daorahce eA be hied so the .w?werrof gar sharer. td. Terhprry Fpurca..s dish n C1rYa we rorve Os, ripen to mot arias any or M fine- degas for any giern 2. Avbr?a ? Bdenea fihardig st- Pud:W. a. fwrriu cage Is calc la d by mceplykg dos ddy balmees of each mepnee .1 y.r acsour (e.g.. cash adwrca, gadar, spiral Imnsbr, and slamial Poe ms) by the conealeadrg daily periodic NNW that has been phrs WLafy disclosed to yen. JU t ha end of each ay dubg tae biirg period, care apply Oa duty padadc win to each ssplmrr of gar adore w the aiy beWrs of each aegmeL Then a the and OF the dlMg pedpd, add w your the Rohe of der ddy calcleauww To aenhe sa pariodic SKnce derye for each eagimrs- we .tW rhp Or patadc mots ban ...h aepnra to arrive m the east Menu tinge for you aeaeatt. To gar the ale belies for each segment of Van "MUM. care sake Os, bapr.ini balance 1r each tepnant and add a.yr row teirseimea psevias and "periods. ft,- cTrrgm calsslsaid em If. day's be&- for the" .pmre. yV. than pose eery paymehnts or rmdt. posed as .f rem ay Onat ant rotated Io'h. sePnis. TMs pvs sere Marine ddyr Waers its each eegrera of Your scene. liovveser, N you paid the New Balance an.- on Von peevbea m mmema in fug ios if yor new balance was z- r a reds at ...a. rev' Itall?Ckea vA c h post as year pucur Or ap.dfl l?cWre the a ge dally balance, t by aafirg r the ?y me not added We u balm- IOgalRr, ad dvidng the run by the member of the days in the cumae Ming cyde. To calex sr you said inane Ch. gmnmdtiWy yaw the average aiy bd- the ally periods. to and by Raba of aye it dote period. Due to r.mhag on • E.Dy befisr derv rug be . digits variance bavne m INS eme4dm air the ¦no" of &arece -h-M. aelr.gy aaseas d. b. If the -do Z or N mppea on One front of It" s m--K nee to 'Balance Rae ;pRLied To. vet waridply ties _ _ 7024M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the encased remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips. etc. when preparing your payment. 0= ke tyour credit witfius,youneed Your account is delinquent. -4 oprotec We want to help! We can help-but only if you call us. When you call, you can make a free check-by-phone payment. Return your account to good standing. It's up to you to take the first step. ant cau us! >;> -1060- 1-800-479-7231 [124,02 capitalone Account Summary Previous Balance $813.66 Payments, Credits and Adjustments $1250 Transactions $71.44 Finance Charges $1524 New Balance $967.94 Minimum Amount Due $381.84 Payment Due Date December 11, 20M Total Credit Line $500 Total Available Credit $.00 Credit Line for Cash $500 Available Credir for Cash SAO Atyourservice To ea8 Customer Rs66.. or to report a 104 or stolen ord: 1-800-903-3637 For fm ooBnc .taunt senior and aP." out- o&rs, log on tat www Oralon - Sc.d P.Y..nu ro: S.W inq,mies tit: Arm: Rcnaunm Pmmdng Capital One Seniaa C.Ow OneSe4- P.O. Ban 85147 P.O. B. 95015 Richnand, VA 23276 Rh-.4 VA 23385-5015 ltnvortant Account Information Wbo should be the college football National Mascot of the Year? You help decide! Visit www.tipiWonebowl.com today to nn your vote for one of the 12 6nalisa. Then be sure to tux in to ABC to Nvatch the Capital One Bowl on Janmry 1, 2003, to see who won! E a 0 a GOLD MASTERCARD ACCOUNT 5291-ISIS-5636-1793 OCT 12 - NOV 11, 2002 Page I of 1 Payments,CredstsandAdjnstments 1 o6 NOV ELECTRONIC PAYMENT M50- Your scheduled payment has oat been received- Please remit the amount due appearing on this statement. If you have already mode your payment[, please accept earn d- 1-Transactions; 2 12 OCT OVERLIMIT FEE $29.00 3 11 NOV CAPITAL ONE MONTHLY MEMBER FEE 6.00 4 11 NOV PAST DUE FEE 29.00 5 it NOV PAYMENT PROTECTION 1-888-527-6904 7.44 Fm oc Charges Plcaura revmejidcfoc important iafmaaion d P ?m CHARGE ,A PURCHASES 5948.60 .05795%P 21.15% 915.24 CASH 9.0o .05795%P 2115% 9.00 ANNUAL PERCENTAGE RATE applied this period 21.15% V PLEASE RETURN PORTION BEIAW WITH PAYMENT- T Caprtatow 0000000 0 5291151856361793 11 0887840012500387844 New Balance $881.84 Minimum Amount Due $387.84 N)w,-m Due Date December 11, 2002 Total enclosed $ Capital One Bank P.O. Box 85147 Richmond, VA 23276 iultlnllntitllntirirnilu,iratrlntiln,llntrlatrrnrr Pyr p.;.tea'.r.JlmeaMatr-n.0i/Ae.?brbmmi r Him-M..k tat 5. st Apr 4 O7' suu ZIP H- Plane Almmu Ph- Fal Adda #90316374978630539 MAIL ID NUMBER LOUIS U RICE JR 1 306 S YORK: ST Di u v MECHANICSBURG PA 17055-6302 0 o lusrlrwtrrlsntlrrarslnrluullsrlnuti,lrianiiaririrl Pleare wife 5291-1519-5636-17P3 onywcthak canonry oAo asidefayab/rto Cajoita7 O-A Imid--lin the-dined-dopc m 2002 Capital One Services, Inc Capital One is a federally registered service mark All rights reserved. 8 0 m Q pre. - re. To obtain the awega dolly Worse to pre biing Seder .-rod by this tame r, we take *- . ope" balance of much mattes each day, add any new tmesum r to relic taF-. ad -Lunch try payeams a seeks. of tlr cads N aF,-. on Stns Isom a/ Ls statement next to'9aWee Rate Appmed To.' we also abaam cry egad frree der- irrAned n the bat- .1 -Ch roamt.l TMs glws - Time dally bolem a o1 tack TM, we add ty all tM FIAT 6alams for sort pent for tM henna Plod an dude by the M.1 emhw of dsp in the bPbng Paiod. The gnes re the avem- miy bdame of each ¦ageort. 3. Meld Pect mpr RR- IAPRI. s. The tea 'Am" Prcaramile Rate Way appear e APR' m fo trims of die statmeam. b. N If. soft P Phi-Q, L (3- UBOR), C fCerdios of D dft .pnift) asiswor S (Bonliced Prime) pp-. - a- few -1 do6c rt rest a din Peioeie- mats). WI rays and coer memr, inn ANNUAL PHr r RATE may vary greenly and may increase a dacrsose bated mfr atwd cress, as bed in Too WaP Saes .ter Oat pis tM F-O;A Prerimdy 6sloaed to Soo. Tloae drrpee wit be al4etve m S. per day of your burp psrsr covered by you pdodc Somme emdp in the .We dwary, ApiL July aW Octshe c. N the coda D Priem), F 0- UWRI e G (3- LIBOR Rspieed Mmaiy) !Ppoars m tM bee Of taw m o m nt rah to oa Pennock rreW. din Pdoec mom red ormaphbp ANNUAL PERCENTAGE RATES may ,toad harm, re brill in The 1M ff Some( .bmet Pke ws wrgih phevto,dy hfiaeosed y yon. These eihrrrpea wi M eNemve on do frn tlay o/ your bip pehtd mach -.dL 1. Asee•ad of Late, Dverint and Reared P+ynnrm Fmms. Yor mntso t ntY be emsd m rem Simae two a dh tees FRmd bas tot came doing my bftV P-W Ilndmr the teas of per ssymer aprmnea, we werw the dgte - eri?w a coal y aces s,y tec -dee pew nooficmimr w you wOru wafhFp ar rgrt So ease dr seas a Ymiar JJoe=w • data tsa "a , be 5."ppoem a Sto Sets t rm era.ate a app- on amt of Mils at tam haw 30 hart's 1s the g Me this arm-let - oleic er ye So avid Paying fro rs e to low wch -P sedW r you n you cry your tr mcct. IkrY,p Sills Odor. Yee my coneree y sae Sur axout .ahhomd N,hnp the So Py aeebediy foal To oared you s-sus, Yes -AL m =tow Y m by rip nor Csotare+ M 4aions rv do a,d Soy yo,e ' N Ina stdtrirp din -Now eor sod a din Minyrdry p m 8. R Tom Came y des w emmCos Yon -o Ye can e a dote ysr jesters by t Qmanr Amird Relalima ossom c Y sco,ry- chFear some decoy sent cad .dW aaous acla, Cacel all ir PmaKatteal tzd blimp, cater rd ass you ahaurn. N , you is not r .1 . d eirp manprrwms hw vA ,,raider emimmimeti me ear y.y aawrset to -open lard mt a a al not road -W Set A .11 rey, you ascaunt v rase you Say y M a to - r so -4 am vawara you ~w aeat d, fires I-F. chorges. yeaPew des ones. owimtt Ise rn , urO Pysaaa fee, h mdvatso Sam. sad fee arty ode hw meadd w talon mmerw. yet are re scoter he time name er May so a on taw -fey n der tins YOU reputes utes 1 to des t. the eaaa or they arc :nand abaohm m per spec y dole Sir rsstan. TNa halt in char-s ePpmrinp on your attends -fir V you M- _ if lac mt dad a purth- from a merdham and vet ecei- Me t-cf- free the merdsm softer your avsoes has Man elose4 Vw acoorm will M eapead, tin asses er din Urn- wl M added So your mSde,L red you ma be mspord, , for pity- If Inns is a norrd-I lee for ymr -c-tt, the Iso wl mrfss ta be darg.C w the extem pond tted by law, rarN the ocrnue belame Ms boon paid in ki re debod W.- 7. Using Y- AO-.LY- nod a tecoetl came be toad in aomree6on -rh arty int- 9. OW t.....d . e. Natter Abma Elemadc (hock Co-raan. When ye provide • dock a PNn te, you ached, r midst SO inl etaden from your dock So emit. • one-tire esc-nic hod m-for item yen Mnk omelet a to psoees the Payment as a dock earRasion. Whet we rho idoenaion Stan Voe click to make M elaraic fled uaeler, tune may be MdF&.- Ire Meta bet a®mms - Soon as de same day win natal- your rcese Sur dock Md from Wndamid l i yoMsvAK nor tort rm BILLMG RIGHTS SUMMARY fro Cate OF Enter Or Qrestios Abort Voe Bill) N you ffet yw W is wrap, e H you need rtre ido, ..do. on • imam ten or bill, wte y r on a apams shoe s soon s pouble r the adrsa for irapids She- on do from of THS amanem. We rme hear itw you re ,ter than eo dap after won son ye doe fire hl on which Ins error or p,.M t appmered You ten rA w Cesare Rdw- r-ber, but dolnp a t'0 non settees yme ighR, In your letter. giw r to foloweV i,orr d- yw norm ad aeemae nether, doe doper amotee of She sraposted ser, a description of tla era and re nWlaudon. It padre. of"you bedew them is on ter, er If you reed arm nsnnnon, o deco' 1- Of the it.. Von me once ebou. Ve 6. M Mw to pay any e meem in pastier vdie wr am invanpnep it, bra you ant ON a649sted y fey Sir germ m your bl am am not in queadmv While w krvsrigee yar question. we ca not ,epor, ye - dehquea or take any aodon y coil- t/h -101011 YOU 4aneon. t,I- Sporn lace Far Credit Card Purdesms If you few a f-bl n with the pofoy of property or snicks dew yon pmc wet wth a cm& card ad yeth haw vied In god afM m so-cS Sit Peoblas Moir the erode t, tam rosy haw the fight ,na to pay the nam,sni,q amour due m She property or arvicas. You law Ms pe ecen ally Man the pcht- /µ' . wa mom th- $50.00 and Me Smash- na wne er Y- trono Arm Or wider 100 rfa or your .hit* add- of - rase or openth Me o-store, or N we neled you the d-neewt la the property OF smites. M pedose as cord rosettes of enoeo or location of ptnchas.) phew ne-ber to sign am correspend- t Does ed AOPry ib censer---cri Qf card accounts t Does eat apply to b-- -fir card -corer. Capital ore aagpmta inseeatim pnwcy pmi ion: e e our wabah Or -cmptasre.,sso. _ 0- is 1ilrrde Gtdporatiry.rAAA rights, riser-C 200 d cmp,st Ore Ot LGLBAK t • 0rmoe Phied. Y will ha a mkinun Sect Perod of 25 rep -final marts drrye purst-es, new Mlanee fmsleR, rew ePdr pWrees and firer error Wmom N y- Py yell rtal 'New Bin sOcer, b accordars ndM the MpOIIaR Noire for P oemm bebw. and in Ike, for it to be cm~ by yotr veto romeet dodnp data. There is w grove peiod m cash md-nces end epedd transient. In tdddon, t oor s re gran period - any .!.-than if ye do rot rey de caul 'Nsw Mlarmu.' b. A-Fing F Ch-U. Trsnssima Mich ms roe action SO • gram pedo0 am assesed 1- dream 1) ice, the date of the transaction or 2) awl the date the iramooion is pe -coed to Yetd A®u,1 a 3) hot, din firs calanar day of din sehont fire I pamsd Addeondly. if you dd not pay the 'New Bmnor' ham Sire fo rAote MIWV PMd In kin, hnacs dope cmmime y rats y ymr uhpad bNerca ,ref der unpod bolree is pier m fill. Ths more Shat you wy adl tea Lorca csr-s, ewe if you pay the trim New Balanrm idrand -the front of your eta o-Ot by the red femme t rosins doe, but did rot do a for the pests math urPeid frame drapes are added m the applicable repeat of your Araut t c N5-- Horse Cba-. F. -c h hing Period she your accous s a6iect u • rrrnco r h.W. • -raw„ tmal RNANCE CHARGE of 110.50 ell beimPeaa . Side total f,whce dope brai.0 few fo aPpaseier o1 your Perdc rate(s) Is loss doh 30.60. vs mil aterct dot amsn nom der $0.50 ahiiOaan std der difb-- wi be bled y the purdrae sa-om of yon mo r F' Chaps. yye ntsetw the t d. T-Worey R.drd'rh or rqM io any or of fresco dhup . for m my Siva 2. Avaapt Daly Balmer IknsrsaeD Mss Ikrdeel. a. FiR,ee charge Is cal-loud by mtdplykq d,e dry brace of mud, epmart of you amour 1.4, rash d-r ce, ptriuse, ape" Smelts, -1 mmcLW Purrs! 4y the cor-p rd•p My Itedodc tealdl 1M her Seth prehfarly eadosd to yon. At an end at norm dot' duanp peeiodc e 6r ech do bfinf perod, one apply din dolly m eodh of of you amprt y the diy Mlatee of aefpeerht. The, a the ad of d,e 6i,o veelaa `^t odd uP the minds of Mmue dMy mlmdmdar m adw w Periods banes dope fen eLh mafpw[. We add W V. reds fmm each -g-me M em- N the teed paeiotc fahece Berge for per aecaut. To go the dsly Mlree bmpiui,rp for eoch asps- of you scmntt, tw uke Ii. bnaardata bWmo for oath ZO.V oe a,d odd W-. sod anypsred c trace d,arge nalarsud on the pre, coy'. for that aagmat. We den ed aa0 try p. V-m or otem Fated e of Omer d y der are allocated to Sir sepern- This phos r Site ¦eperee dry bolero for much sagmet of your ascem. Hothsw. N you Timid de Nmw BalaR shown on yam pecan smtanors In 1M der if Sae - "- win taro or a oath mead, row vrwction whirl, Post So you Pudmss or aprad cooLd to Site awragmm dMy Wiese by adem n M tk dWy belorces tope ter and dritinp the sue by fro member of teal it. days s the v tr em being cVd. To ralassts your frees cur-, -hip your ara- dolly balance by who deity Phiodc .. d by des 0-4- of dap in tto Sib" pored. D- So rwnenp on a holy bads, doe my he Fit aBgm Hd- berHOm This -k baler end der some, d y eame frame tine- a-,all sa b. n Me code Z e N oppose on de it.. of cis su mom nett m 'Basnre Isle Applied To.' we mtddpy do 4554M important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3=00 p.m. ET_ Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 022 To protect your make a payment credit with us, you need Your account is delinquent. Ito We want to help! 15W ism`' C3100?0. -) We can help-but only if you call us. When you call, you can make a free check-by-phone payment. Return your account to good standing. It's up to you to take the first step. Call us! 1-800-479-7231 capitalow Account Summary Previous Balance $M7.84 Payments, Credits and Adjustments 51250 Transactions $72.10 Frmnce Charges 116.06 New Balance S963.S0 Minimum Amount Due $463.50 Payment Due Date January 11, 20(k4 Total Credit Line $500 Ton) Available Credit $-OD Credit Line for Cash SSW Available Credit for Cash $.00 At your service To all Cu to Rd.tion. or w report a tort or Halal card: 1-800-903-3637 For 6.s online anvum savior and speed outo.ner aHm, log eo i. Send pay-u to: Send inrruria 1st Arno Rana- Processing Csp" One Snvim Capiw Once Sa.im P.O. B. 85147 P.O. B= &5015 Richmond, VA 23276 Rkhmond, VA2328S-5015 Imoottant Account Information It's Capital One Bowl Week time again! Tune in W ESPN, ESPN2, and ABC starting December 17 for the best in post-season college football action, to we your favorritee teams fight for bowl championships, and for college foodaB's ultimate prize: the BCS National Championship. And on New Yea's Day, be are to tune in to ABC to water the Capital One Bowl live from Orlando, Florida! f b r V GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 NOV 12 - DEC 11, 2002 Page 1 of 1 Payments, Credits and Adpstmanu 1 o9 DEC ELECTRONIC PAYMENT $1250- Your scheduled payment has not been received. Please remit the amount due appearing on this statement If you have Arcady made your payment, please accept our thanks. Trarmuions 2 12 NOV OVERLIMIT FEE $29.00 3 11 DEC CAPITAL ONE MONTHLY MEMBER FEE 6.00 4 n DEC PAST DUE FEE 29.00 5 it DEC PAYMENT PROTECTION 1-888-527-6904 8.10 F-.wxe Chargm r im#rranr m atim Pkarerm reranrifle fo in fn m u ? l A ml - g mt P - ?lkd lriAt(E APk . A PURCHASES S923-53 .05795%P 2L15% 116.06 CASH 100 .05795%P 2L15% S.00 ANNUAL PERCENTAGE RATE applied this period V PLEASE RETURN PORTION BEWW WITH PAYMENT V capi"Owe 0000000 0 5291151856361793 11 0963500012500463508 New Balance $96350 Minimum Amount Due $46.'.50 Payment Due Date January 11, 2003 Total enclosed $ AccountNumber. 5291-1518-5636-1793 Pk-?-t a.(..gddim.s V- .Webago kkw-.%r R--AW oeL 21.15% Saes Apt- g C5y Sue ZIP Hone Ave A]- Phone f! Ewd Add- #9034637497863050# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 111 ll 11 RI `r' 306 S YORK ST m nnu m r Richmond, VA 23276 a ° MECHANICSBURG PA 17055-6302 0 (nlh lrrllaulsllnrl 1 tln llhn llrrhlln,llnsllullllull,,,l ° iusllluslllunlrlnlllullrtulltllnutlrllluailnhlhlrl Please rmite yahv aavavII amhrber on yore cba-# or mowey order madepnywble to Capital qr Ban1 and mail in the arclamd enaelobe F Q 2002 Capital One Services, Inc Capital One is a federally registered service mark. AN rishts reserved. 8 o . O l7 m s N bit p paned mood by this satanem, ham take h bb*-- bdred each wprrs each clay, add any tdsas new It each -line t, aM outalaa anry MNeeas or cmdia, fit h cads N appears on are has d Its Momeeta oak, to -enfe to Rae Applied To: vm dam teuna arty a Paid Serena: damp inckaled in h brace d each mgeret?7lia fins to the dry baLo nce of ear ?T?braar44 der op r the dry hdanees for each m- for h b" period and =vide by the foul nunbw of days in h blip plod. This gives rat h avewge dry baaa c e of each mgnren. 3. Mod Pasadga Bass LAM a. The Mrm'AnYI Poaynag- Rue' -Y appear as "APrr m h hue of th4 sums. b. N the Code P Pfaal, L 0- (1BORI, C rC "Kcae of Depadt. to S (resod Pfine) aPp-. en the ham of this matamsm nee m h peofa nr-W, the im odv has and mneReh4p ANNUAL PSIMWAGE RATES may -y Pmody and my in.- or dmomee 6aed en the stared ir=is, s land N U. LYM SMst ./airs; pits the easdi Prosody daduad to you These chanpea .0 be -/Naive on the era day .1 spar rein fle, o-obs ? ?.hi c a0na obbar, amp r_ N the -ode O IPiwd. F (I- LIBOR) or G 13- LIBOR Repdmd haorddp sprees an the Harr d Yar aeleel not to h peNdc tareW, h pariodc Cass eel oorraspon6p AtaeilLL PERCENfAOE RATES Cory vary wrohstal rd may it I. or Oeueam lhamd on the sued kadtaA s Iced I. 7" Webs Sonar lmml. Pis h reargn prai.hdY dscia.ad to You Three tiharhp s wig be dl-ctive nethe 6v by d you bKrp period 6. A.--d of Late. Mafeaff and Rdranod Poyr^stit Fee. your arose Wif be aamsd m mom that Iwo d h tees NOW have she - dtanp may bWM period Under the lees d your enaaae egme'oa . we mao- ere right to wive or not to reams ary Ns V"enx poor neat-ours. to .Wd-A hrid-V ere dot to amp the eame a ea-Ife n a sec fare. 5. Yv Aemrs. N • seem K. yofee day. m h boa d ails stmnaam. you hew 30 days from he dams N. stamonent ws Cord to you to y paying the or o M- w air 1s credud to you it N you mncd you iuremea. DWkQ I* afar period, you may m rnbon q Nm your ac.1 t witau he" m Pat h - by or. To rencd lens aeemaa, You at ...IV rncdM rs by r Ha oar Otowe R- q othe rs a " Wwkmthi hp the rremrelspMaysy?i?ph/ -1!r Balance- Ire 6. N Ywr CJme Vo- Apd. ae tor, . .L You con Imo door spyuounr accowa by ca6p os Oeone Rdatlors Dapremraa. Yee sae dr ooh you ste=t mn11a) and acmua arms dads, cad r P-Ah lead bUM. arresspsnras, ws tswoa. N you do nr coal psahROdsdrakp spurn 41ap wgl -eider ramp d a drags year mdhoaarhen m mean you acmes. Ad=aonaw. Ym• atceos VA rat be deaed ue you pay no a.wts War ewe to adrndng any Irapaaedera ton how aNofte4 faanrt daps. Pas due fees. msrilmit lees, nosed payhrk- face, m-h ad-- Not and any edrr ears aa®od to year aCMet You .m rrspsraI - let d- awns ndrehr they appear wI yen actao e of are rkrm you mgtaar to dam h actsua or *my ere iC-end mMattlam to year nepnos to dose the ,oast This -V re" kh dates amsdM r tare armn after you how me r:vua if k has steady been dosed . For sump--. aneaolltd a puaus Ism a march. and we receive ere too-dun Nan the -chant aftre your asaun has been doaa4 your .-xan vre be reWerred, h area d h cir.ng- vA be added to your at-,tn, and you WE be moreaile for payment if hre fa won bmal*) tee for Vero attunes. the fee wll mmirue ro M d=h h snepormiad by law. term the sawn s bear paid a kd s defxhed above. 7. th:p Y lkaean.a.rer Cord a ateetmt roman be red st mrnracim urea arty nemet gamb irv B. biaf0e Mae Berms, chock Censracrt wlwh you kdMfined[ as payee a, you adadte us either In wafah tree spun h-k ID make a --,I- of-am is had -0. Nwn your bank -scoot or to pnocas the (aM.am as a check transaction. when we tam Ydoneadon trot lour amok to make an 01-de Nod transfer. Nods eery be wthdawn IPM your bent -mum as nos e h ear day we term- your Pmymenl, and you nil not receive your check back from veto financial odnei.R BILLING R1G1tf5 SUMMARY Ire Cam Of Errors De Ouesione Abaa You, Bill) N yea"ywo bill 1. wrap, a N you need mom ird ..mien en s tnerwion or bi, M. to s en or eepass sMm as seen s poo- at the add- for apif s drown on the here of this "Mont. We mnct bar Nan yep no later tan 60 Clays afte we eare you the fir at:: on which the arts or poblem appeared. You Con not rat w Qepne PoWims msbo, but ti-g so v A presem spar rigs In your titer. gw to the lopowkV s,o-echo, ywr mama and atahn n be,, the ddNr rents w of h atwpxud arm. • d-Apten of the error ad m otardwh, It poesible, d"you brow them is an omen or H you read man ihbs elm don. a dewnpnm of the nos yen ore -ahem. Ym do not hew 10 pay any enamor in question weer om am khvaeipting It, Ina you am e0 ebrngard le pay ten i mns of Vo r bar their am rot in gLafel n, while, M kweatrpm ypto glialon, we cannot capon yea s drlquM a take any .ran to t.N- the amour Ys 9== i,t Special Ode For Chet dad P-h- N you I e, 1 11 with the gtdhy of property a Comics ore yo. ph.cir.md with a tre=k card and you hew triad N goat With to correct the problem wish the amtdsm, yam way how the deft rear to pay the remaking erns en =s on the pfManY or sonatas. you how this pstadah d%.= the pouts Piro was mom than s5O-OD ahaw ws vacs in year home Gate or with. 100 ears d you m.Wv am- III we own a ope tom h weschst, or N em mabd yam the Jwrdse for the pmpasty or novices, all pwch- m -veal -gads of swam a acatan of purehaae.i Please re•se - a rip 11mnaMA. . t Does car aryrr an wntmear non-Iff cord aecar-kits r Does not gpfy b bashers non-G-=t card ocmaas capital D. taples kdo-lion pdrscy pmenion: see err embalm a wnw.apkdes.mm. Gpild Om N a fadakry mpmend earvice mark of Capital line Rudd Cwporsionr. AN rigs ramfved. a 2003 Cidkd One 01 LGLBAK to bracer Prrrid. You vM he- mir-imun Peen peied d 26 day.fraLs = erhnc?e drape new pundrma, new balance r new spoor Phsd+eas ad cram odor cnkgea H yeo pay Vote l.W 'N- Bel- s , in e¢ordrro Malt are bspeue Notice for peymers blow. and in tine for it to b. cra=ted by your next suunerl tdorirhp dote. Them I. s I1om period en ash dvances and spacial uanal- h add.-% titre n r Pam period en any banner si et it you do w pay the Intel -Nave balance." 4 Asennhg Fk- Crap. Trasactio s Mich am not atLjrf to • Pam peeled erne named iota t el iron rho date d h vac to your A 2)Mara thedatah rime cn-aaion I. pmmard to your a or 31 1mn h hen calendar day of the a.ret b MV p rood Additionsify, Y you rid d not pry the "New .V. from that pe fem -i hlYitp read in be, finance daps mane I o ax:n to your unpaid henrnm Lase Mryh uroeid ado I. Wei in Nei. 'flier means N Y•N Bemrm ingimod on 1mm of you M the anti emirs New your amewwe by the Con stetermm clo.kV time. bar rid rot do r for the p.viee mesh_ ilrydd ensnca t .1pa am added to the applic" mgw• of yar Acmtaa. tc. Kiniteen F arega. Far each bil" pedd_that your a teeth I. abject It a franca deep, • awi- red RNANCE CKARGE of $0.60 veil be imposed. If the Ind I-- dupe -61.9 from h -ppirstiun of spar prin=t scut n fast than 30.5o, we war nmttea tM will he maul Nom V. f0.501kiinan Jew do afffeento blind to the proms spasm ?` we naive h t t Tarpwwy aadrrdia " F ripM io rte aeaces any or r firarm Wryea Ns any liven 2. A-M. lie a-%- Ib+rbrdaV Nnw Rrdhmsl. a. FW dmrpe is ryctlned by mmoplying On dew bd- of each segwe t of your -scout 1--g-. Cosh advents, Pukdam, spedel *msha. sed special p hfoa) by the mmaporrdnp dry pedode nreW the hs been prn,iordy d'edsed 10 spat At are mad a1 each day 4rwp the beenp Dead, wa apply the dry Pedodc Tare for each mU nen It spar acenter ro the dry bdmm d -a:h segoem. Than of the read of the biling period, em rid W the roam of these dry -aicaixm to annhe at rote peniodc elalea chop for ear mPna-• We ON op h nandra from each r1, to ard" of the roof pani=c finance dare to yam afmurn. To Dar the dry Manor err each +qFn m of ypa axaaa, w- Cob h Impk-ip b.1_ for each mgnhaa and add any row Imrmaoht and any perie=c fnarce charge 0.1-18 al an the Pnevias day'. balance for the era- We than Anract r payrorhs o emdts pasted u of the d-y than am afoc -d to eat .epmem. TN. ghs to h spasm dry baNlhm Nr each ¦eprt of your aeeotea. Ho no ne. If you pod h New Bdanm dawn on You ptnuisa adamant in 1r !or i1 spar new believe hoe zero of a adn moral, nrev+ tnrmctions winch pear to spar purchase or spa . calNne h aust e er dry balance by ad - - r the daily Ingovents Mantes toga ton and dvidnp the atop by h I-rnMr Of the days a h tennis bAn cyde. To ceicWete your hotel fibers carpe. m.hWY your aver-gs dry War c by the dry P.= nets and by the m-pber d day. in the billing Plod. DIm to nano on a dry bads, gem nay be a dfpf- wdanee between ails raoufoh and the awe- d trance drape aaury a... -& b. If h .aria Z a N appears on the Iron of INS asamem men t- '"- Ram Applied To,' -t wAVY the 4B75M Important Notice: Your payment will be credited to your account as of the dare we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5l business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Mondaythrough Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. make a payment?twith us, you need Your account is delinquent. Ito To protect your We want to help! law -# We can help-but only if you call us. When you call, you can make a free check-by-phone payment Return your account to good standing. It's up to you to take the first step. Call us! 1-800-479-7231 orj .= capitalpne. Account summary Previous Balance S%3S0 Paymenu, Credits and Adjustments $1250 Transactions 57278 Finance Charges 517.52 New BalaMe $1,04130 Minimum Amount Due $54130 Payment Due Date February 11, 2003 Tod Credit Line SSW Total Available Credit S.00 Credit Line for Cash $500 Available Credit for Cash $.00 At your service T. rall Customs Rd.6om - w report. lox w stamr eud 1-800-903-3637 For foe online avvunt .evi¢.nd aP." 01,- ofiea, log oa to: ..ww.eapir.lone.aom Send parrrenr. to: Send inquiries to: Attn: Remmmms Promsing C.Piw One Swim Capiw Oae Sevin P.O. B- 65147 P.O. Bor 95015 Richmond, VA 23276 Richmosnd, VA 27785-5015 Important Amount Information For service in Spanish, please call (800) 929-8137. Pan servicio en Espanol, Par fai or marque 800-929-8137. g n °m N GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 DEC 12, 2002 -JAN il, 2003 Page 1 of 1 Payments, Cm&m and Adpstnmmts I 06 JAN ELECTRONIC PAYMENT $12.50- 71is is our thsd and final notice that your -nt is seriously past due. Payment must be received within 72 hours to avoid anion by as collection department. Transactions 2 72DEC OVERLIMITFEE $29.00 3 11 JAN CAPITAL ONE MONTHLY MEMBER FEE 6.00 4 11 JAN PAST DUE FEE 29.00 5 11 JAN PAYMENT PROTECTION 1-888-527-6909 8.78 -You are a valued Payment protection aatomer and may be dig".ble far benefits to be paid to your account in oar of debility; uamhploymeot, and death Ifyou have experienced one of these event; please call Consumer Membcsbip Services at 1-868-527-6904 to see if your situation qualifies for a claim. Your account is 60 days p+¢ due and your coverage will be suspended if it reaches 90 days past due, as stated in your Payment Protection agreement Finarnce Chatgec r i.,6mlant trfarm&- c Pie-,-rt aer t iii& fo P - C o r l r wit m r Ak AAR PURCHASES 599474 .05659%P 20.6596 $1752 CASH 5.00 QWB%P 2D.65% 5.0D ANNUAL PERCENTAGE RATE applied this period V PLEASE RETURN PORTION BELOW WITH PAYMENT. V C'apualOrle' 0000000 0 5291151856361793 11 1041300012500541308 New Balance $1,09130 Minimum Amount Due $54130 Payment Due Date February 11, 2003 Tod enclosed S Accoum-Number. 5291-1518-5636-1793 Apr. a zrn 20-65% Home Ph- Ahen.te Ph- e FndAdd- #9001237497863058# MAIL ID NUMBER Capital One Bank n LOUIS U RICE JR P.O. Box 85147 Illurllnulululmll r- 306 S YORK ST Richmond, VA 23276 m MECHANICSBURG PA 17055-6302 Ir.I.IrrllmI'll llr.r1mHIM..allr..ll..mllr,rll..mll.rrllmr.l ° I.mmlll.sal11.9$tI.[t.1.Ice.llrrm.Il,llm.m.mlmlllrrmrll.mml.l.l pk_ _t,. °D_ _m t _her an y-duct W money or&, madrpuyabk to Capital OncBank and mail is Ilse rndmrd en kA, F m 2002 Capital One Services, Inc Capital One is a federally registered service mark. All rights reserved- 8 o i N 0 r N peeled. pater To nbtaim are .-OW say mawees ha team blame pelod -m-d by that atemem d, we take do poyraay estates at tech oa mere each day, add airy mew tmaaeCwr w each s.prhert, ad aaetmct am, prymm tat « taaea. M as Cam N apprm m the from r 1Ns ststwort ease W, -Ba ono, t°aa Applied To: we aho wLUaef any ,,.w rwrtce dhow Ind ded in the b.W- at rah .petard 1 Th's Rivas to die dry br.nce of e- h 7trm, wo add up r dos aaN i>e . --h fee aoopmere U, the bar p-doy and divide by ta, raxab r d days in der bi" pafo6 This gaee d the -."Re dry, brace d each eagraae. 3. Arad Ptom dupe Met- fAPfO. - may epvr r as I. The foam -A,. .d PrcwtaP APR' m der 6d0 of Obi- maim. knr of b. If ds ode P Fdmal, L 0-mo. UBORI, C tCam ' ,ift .P.,w.r.«ae PietoacaPPreaam?ih,/re to from pedodie arias wed mmlphdirg ANNUAL 9M OM IM, „hay maim aprndf/ awdi maY inoeaae « cosmos beaed on sr n-ted iitdiaea, a feud in 76s Ltta/ Seas Joemo, pd eta dapih pmmiaafy ria Read to you, The. crapes vA be afwcfine on am and day of your big payed snvemd by your Peiodic steameae Wrdog are am arlr clammy. APR. JJy and October. c. If der rode 0 p+ti.hel, F (taro. UBON «6 Paw. appaato on the fart s yes sudeme". - wpmbufe rate W. der Parodic ernat oar maaaliarrdiCq A/aaLAL PERc9frAGE RATES may ry ==:= « di a Mme Wad M die wataWW Seeor J-,W Pius der mnPh p.riwry datiasd to you. Ttneae dog. each -.OL wIS he affeoive on are amt des M Yeas bsFg Rated a. Assisted or Law, Overfed err Rabatad PeY-red Fea. your arson vA be fataeaay m sae the tat d dye w. Stood hna taw team duiup any, atom Rood- fodsr der teas c Varr arerm« apreama*. v.e tawrve der right to waive at Am w mead wW fed without prior mdaotion to V_ w iWwt eaaidg au, dye at ado. die .amt at smear }}esel ri a laver colic. 5.TRMavarV Y.. Arid. N s ntembaarfp ws am-. on der fete d tie WWWO ern, ya have 30 W y. taw the date die etd-me t war "red w V'au W aid peog des M or Im harm stash f. asadited w You if you -nod pt. --- 0edrg ad Parley. ym teat' _W_ w ere Veto -Cased -*h- hang w pay the mnatbsdal, fail. To ucdi atmtas. you -mat dty d by -a- r Cu.= Relations 0apar-r «a ?d pry q?r 'New Bdrsa in AM InrJ Veto ahsmhedeP f.d Per to sr star of Mr s:ayday Period. 6. if rat C7es Year A-.L You tar wyW W dote your .mesa by id°g -o r orwme« Rradar Dagrlraore- Yw raw deawy your oe6t Coastal and aemtaa ass diets. tad as poodif-bod bang. ml cede tars octantH y° do met cnol r rote mahadroilon try ym account. Addaahrly. I°r- emaaa W1 M M dad Was ym pay .0 aawads roar owe d khdhdrq aM troomcdwr Vwr tame arxhodreA amerce dip., taw duo fees..haarit itaa, rratwrwd pay-- fees, o.h :writs rtes d wed other fed scatted to year arz«n. Yea aw adPortila for the..-ouas w mare qty appear m Veto steno « die oboe Vas a aamat to cl- the t tad . dry s k-tod ea4oaloom to Vero mem i w done the amaWA. TWO may wads to dabs o-Oli a on yr- -coated afar Vad have _ you -mind if it has rm.ay aeon mom. - ehranryea, 'fr nMo U d • fwa h- fro a me tium and we 've the Lamactton hart die meahid at- Vats +etoten fns been dosed, your .taus wa be reopened. die ammme of the carpe wa be added M you, -OL a, antl pyma AN be mapamme let Payr- marM«sip lea t. 1- -.WO. der kx -A mdinue W be darpad, to the o°em pemisled by law, Wall die bda°ce has bash Paid in UM a dawned above. 7. l/eig Yar Aem.ed-meta .d or nsourt ernot be - sed W Ar acttm w d any immormt gambling hwracdomt. 6. Pfaff- Abas fl.marie Cheek C-mmk- When you ,amide a daek as payment, you arshedte era shhw to at. k4o m el- flora yaw cheek la wale . oro-Time alo,voric fad trarsfar feat your bank ecomatt or to prates tlr wM°eea to a duct memackm When em Wee irti m atio n trom your check W make M -1-mmC keel tmrsNr. reds may be widvkewn term yea Wad[ O-W,[ M rasa as err same day we --I- yms =,-= =o oyoudock bad tam BIWNG RIGHTS SUMMARY IM Came 01 Emom Or OuaaiWa Abram Your Big) If you taint Veto be is vrong, at R you need mate it,=. sin on o grtsact'rm or bar, ,he to to on a ,;"Me sheer as seat to pess7hle M the address for exp aiec sweat on No traa of t" "Mons. we mat hear arum you ro later dean ao days after era eta you die fires bill on wtich the m« a Ptabbn apps led. You ore a1 our Cw.e or Relo iers mm-her, but doing so vJ1 rhn ppneeMaerrmvs. ear V- W year Ida, pate to ate frowirg ietomnioCC your matte ad a coum mirnber, the dollar amass of d. ttsp.oed am, a r ..dpdon of the .nor and M e4dimadee. H poedhle, of wAhwy you bdave dmm Is M mar, « H you road Mme itti metiat. a deaCriP.- of des Ito Voo arc saute abaa. ym do M hems W Pay mY entara I. quatito vdtae m.a am kwewipeuq it, bed you sat .ter rt!IM d to par the Pam of your ba That am nom o quato awhile we ImmtPw yaw ,ration, rue Cannel ,Man you as ddngu,ss «Yk. sty actfan W tzlen der smogs you amion. t,t Spear Rt4 For Cm& Ord Prides. If you hems a P bl- with the gCalhy of papemy or sentc. dot you purWad mils a Credit oar ad yes . have trod in good faith w mrrea die problem with he amnion. you array hems tee sigh rat W Pay ttr awna.rng sauna due m the property or aenicd. You hems thi. Pmsnon way valan the fwwdaae p',°t more err. $50.OU I tksfl as cease °r°°s 'n W°r fans state a vttin COD Dnd01 s yoVOu mailing aedaed. we awn a operas der mad.-. a R ny waled yes the amenco-rod isamm tan the p or dtvirss, ilk Purchases purcMo.. m mr be, ta . s of s am sasses a lootion of f Pwc) Pleaae . renhrhabsr Ilgrh r rsreaponhdennce. t Does rot aptly m coatrarr« ran-crma cam acmteds f Does not apply m brmhets mm-.dlf c.d «xwmts capid Oro appaW kdomwim Privacy Protection: sat out .abrfe a rn.mr.noitaime.cmm. C.pnal one's Cede asy myreaed a 4- mark Or Caphs Ons Frundr Coq omoan. AR .ryas roened. ° 2DO3 C." Otte OILGLBAK t.. ilia. Period. You aA hems i nrittnw.a As period of 26 Wes vath- ft a Ch! 1. toclutum, r balance Wrooas, row ysoN pLffct? and ram, adve taiga R VM Pay Yoh- War -Ntwv Solar-W. W aaxortlono aim the ?-POraare Nonce far paymrema bdow, and I. time for it W be rJedled tut yore errata stdamdd doskhp data. There I. ro pmts Period on ooh adwntces ro grace Peri°d rid apedr tratoMm. In addition, them 1. on rW'mmmci , if you do riot Pay the Tar -New be$.-.- b. Asvuby Fktar+Charge- TWmW0W a mach am rot abuts W a prate peeled am otme wed a- doge t I hat ft time Of U. --that t or 2i item the date he truwoion Is Paomaaod W you, Aelous a 31 chum the fires trader day of the co att bWfag pwkxL Addiaondy. It you die ma pay as -New Balers Loos the Pr A.- bang peiod o Iel, aroree charges -If-- to wears fo eyaprr upaid boo ea tall the -paid balmce I. Paid in kA. Thic araaaro dot you auy ate owe amerce -,a-, even R you pay the WOM Nee, gslmOe indicated m the two of ear atnamem by the awn suTtrmra derrnp doe, but did A do a br the We- month. Unpaid imao dare. am added W the epplo bi. aWnser d your Acmat. t c Miutiu man Fwawa LLage. For each bMV peeled shat ear aeew.a I. a diets to • an.nce ct-W, • atimm- " I RNANCE CNAME of ,0.50 wa be imP.ed. N the twat amroe dogs rdug from the apPSCdon d VOW psniodie M.W Is Inns the 50.50. we war at"rect thn .moot lawn fee $0.50 taakfmten war ter dp°.r t vela be bated to the prarlaa asgehwt °(year octot? w We mm the td. Tarapaay Radi.dbah' F= right topemdtodaeee. WW «.g arance cages for red Q.- 2. Avra ! raw,. IkrJu?g Nat RedrsscI. I. Firms d-W Is cak.WW by mA VftV tie nth but- deach .oeraan-d t or?r_ acrd qed+ cimh ad-, p.CN-, :Pen by the corra.pwarrtg they p.dodc mmia) oat has bed pnmmMy the Marg pwiat, vat eppy the daily P«iodic rate t -ch se4-am m yW sass m dye der?ybalerea or "ch aegm.nl Thos n the add the bar; paled, ere add up the ;;;!. of doea deny talaadwiwa W -rave at yourthe paelodic finarto drnR tat adh .Prod- W° =the nenrats hum each .agroere to save ri ter tats parodic fam,,ce Charlie W you, amaa. To gat fie dry, b hates for each dgrnam of ear accoum, we tab the beyraftg bd- for each agmws rd add wed raw W raecdrs ad any parodic frtatco c -ME 0aka/erad M sat P "Amu Ny. baleree for Chet septrm. We tit. eJaract emy wym,M or ctema posted d dart WV drat are allaoled to the .ynae. Tifs gates era the taperom duly balaatce for arch eapnea Of Vote -"0' He--, N Pear paid the New Balsas thew" m your pe-ata wdwome I. *A ton ii y- raw beiatce was zero « • errata a met-A. rr.v tramactias which pat to yaw Pe- or spacial ,Cacho toga and aw ma added to sat dry tolemas. We -I.Aem fle -amp dally Imh- by adding .0 ft they the day. I. the oaawa boos OVck- To r.k dam yr- toed Trance t3nsrP, mrhlpyy tea -v V dally balance by thc edgy lm awe eel °y th. rrinbaf Of thy: o err home period. Ua to roandrg on .=, dare may be e beirmatea this c uany stied. wed der aamoud of emrtcee=* b. II the r N appears on the from Of sit htatrrhentt root to -Br- Rat. Applied TO. sat mJdpfy the 29673M Important Notice: Your payment will be credited to your account as of the data we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3.00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p_m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, e=ktding holidays. Please do not use staples, paper ergs, etc. when preparing your payment. 0-13 Your account is delinquent. We want to help! - To protect your credit with us, you need to make a payment - We can help-but only if you call us. When you call, you can make a free check-by-phone payment. Return your account to good standing It's up to you to take the first step. can us! 1-800-479-7231 CapitaIGW Account S Prcvww Balance $1.04130 Payment; Credits and Adjustments moo Transactions $7336 Finance Charges $18.67 New Balance $1,10833 Minimum Amount Due $608-33 Payment Due Date March 11, 20M Tod Credit line $500 Total Available Credit S.00 Credit Line for Cash $500 Available Credit for Cash $.00 At your service To call Customer Rd66ote or to report a but or :talon sank 1-800-903-3637 For 6m online saount rervim ¦nd:pc" ansoea r off ea, log m tx ... -PnaJ---m Sed Poymmtr to: Seed inquirie to: Atm: Rrsoimom Pmm.ing C.Pail Oae Senn- C"itd One Sa.irer P.O. B. 85147 P.O. Boa 85075 Richmond, VA 23276 Ridmw¦d, VA 73285-5015 Important Account Information For service in Spanish, please call (800) 929-8137. Para servicio en Espatiol, por favor marque 800-929-8137. m m a GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 JAN 12 - FEB 11, 2003 Page1 of 1 Payments Credits and Adjustments 1 17 JAN ELECTRONIC PAYMENT S12.50- 2 03 FEB ELECTRONIC PAYMENT 1250- Transactions 3 13 JAN OVERLIMIT FEE $29.00 4 11 FEB CAPITAL ONE MONTHLY MEMBER FEE 6-00 5 11 FEB PAST DUE FEE 29-OD 6 11 FEB PAYMENT PROTECTION 1-888-527-6904 9.36 "You are a valued Payment Protection customer and may be eligible for benefits to be paid to your account in cues of disability, unemployment, and death Ifyou have experienced one of these events, Please call Consumer Membership Service; at 1-888-527-6904 to see if your situation qualifies for a claim. Your account is 60 days past due and your covane will be suspended if it reaches 90 days past due, as stated in 3, Payment Protection agreement. " Capid One Prouday supports the Naiioml Youth Ami-Drug Media Campaign. PARENTS. THE ANTI-DRUG. Stay Involved - Ask (juevionL To get the FREE booklet. 'Keeping Your Kids Drug-Free; call 1-800-768-2800 or visit www-TheAndl)rug.com` Finanee Charges t i Jorara<iwr Pke orreva Akfor importnr, S.6va„e¢ } Po;o& R VE ?fSrlm A ra<r dPR PURCHASES 57,064-<7 .05658%P 20.65% 11867 CASH 1.00 .05658%P 20.65% 1.00 ANNUAL PERCENTAGE RATE applied this period V PLEASE RETURN PORTION BELOW WITH PAYMENT. 7 20.659E CapitaloW 0000000 0 5291151856361793 11 1108330012500608332 P4aap=.r aai? ?..?e-nra?er k?ar;.rabr-arm at New Balance $1 10833 Minimum Amount Due $606.33 Same Ape Payment Due Date March 11, 20M 6q sWr 27P Tod enclosed $ Home Phony Ahe-Phone AccownNamben.. S291-1518-5636-1793 E.AAddrm #9004337497863053# MAIL ID NUMBER Capital One Bank m LOUIS U RICE JR r P.O. Box 85147 lilmlln¦la¦lll„,l ,..e 306 S YORK ST Richmond, VA 23276 Q MECHANICSBURG PA 3.7055-6302 0 ?nlr?n?luelr?luele?ln?lru?lne?luellnrllu¦llu,lls„l ? lurlllnelllunlrlcal¦lnllnnllrlluuelrlllnnllne?rl el Pkarc rmitcyav aavr d asaaberoa y-rbai or money -&, madep gabk to Cola W Oae B-k v d -0 in the cndo,ed em,elop. m 2oo2 Capital One Services, Inc Capital One is a federally registered service mark NI rights reserved- to. Chao P.riad. Ym wW be- . n.W- 9aa perfect o1 25 ay Mthote S-- rJrr,e .- WI1nrJ ttlmtaR, few Radw duMr. If year paY yak lea 'Naw Bmarta', M ocrnrMce whh h knpaRla Nobs 1« paymems baow, and M time for it to be ceednd pyYea nee nalerrhafs d.*q ate. There I. m 9. pored ec adn odvarau V lpedal varsosa In odedeh, them -s m pace period m arty b 'Vies i1 your a to pay h teal "New Worse." Ir A-uk, I- r7a,A Treraom Mich aR net subjaa to • pros period ate leached Rface carpe 11 from cg date of h vlrracrfec a 21 from aeC she trlmlpirt L wee to yRa blkV « 31 1 ease the fin airier day of the Ocatract ltd beep ,maid. Adctiorhry, b you rid no paY she 'Haw Y11 bras" hash ,awes unpaid once mace dares belarser to arcrue rot of:p period ri your hrsuid borne anal she reed false is Paid in thnl. Th a meats tar you my aW or fisarha caress. even it Ya pay the are. !kw ashes MOstod m eau fan of year nanmrrl by doe ohm maehrrewa drake- rime. bte rid liner a ec or h ,hares moac Unpaid fire- -Toc aR adcted to h tpplalne acpsrs of Vote Accaart. arse Moiratrn Fmesa Obae,a fur each assists PaodAM v`-.corm I. m8ject to a fiharce Charlie, a waaaan tad RmkNCE C(ARGE of $0.50 vi be krposd. If Visa tom bnarhca days rertisp trap she 1Pplcatim of your perioec ma(s) is nee than $0 SO, r Will tabtea that leeml ben the $0.50 Pabnnxsn ad Vie effere ce vii be asi bNld b h preWae-eaPSea of Yw as's td. Tecyesal• Raid oti- n . - Cee,a. We __ h right 10 rraotdaeaeu any o as $raarce charges for any given 2. A= Defy 8acsae IMAd'.V Nmv Pudaasi. a. fihrha dune I. sleWted by mtNplyMf the daily b,4_ of each spras of Vea w-%ror f.-g-. cash Purchase) bys h -y period. N th'Phat Ms b- pmrsdy dadnad to you. At On ed of each ay duhhp h bin, period. r apply she day fadoce are for each act aepmam oT Yana ..ache ta h =7t sVnes. TM n .:_;p ad of she tiW1ctd w tho Ran. of tow defy calwbars m at e n yak pafoec seareea carpe for eeA a.pnrn- We add up sec rMnK trprrr each s.,poses he rihsa m the local pe I fiance d.ye for yew asaue. To go h dry bearea for each 1.Q.M Of Yms frosae, r take the bepraary be).- for each aegmr$ end rid say raw Tteaealea .rd pod-lic firma drys calculated ec Oka Previsa ay'. Wlo 1. that eprwrc We Ohrh adman any WMhe t. or rncls Pa Wad of W that aY ton aR aloa.d to m, lafSRR. TNS fins s h sap.me dry balance kx each Polls W of year asaat Ituwewc, if Vey paid the New Borne at- an War aRhims moat in ell (or if yak new borax ws zoo a • crest ataocns. new ttafr.etiota which Pose b year Ptee"s aepaaai purda.e a the . a o dnra added a by drY .8 0. daily y Warrant nt g then, MW efiahydfMy the feh M sday ri b baiafays i c a nun 1 to naoMr of sec aye in the the nafet alfiry clot.. To c slonne par local rvaha charge, kmArpl yoew wooer ally bal- by the sly wdode rate and ey h rusaar of days in the bests P. Due to roving M a dry, ass, there may be a aught vadans betvraec rich slot iaas ed to ammos of fcunce charge aawfY OMMM& b. H h code 2 or N appaaR an she Trap Of fils smerhee pea to "B"- Rate Applied To, r F-PWY the ,. O 0 O N periods: sae. To .Main h overage --V taarsz Via firs h brie, period -Fool by sit matewaea, r L. b.lwes a soh a.9coest each ay, add any nevv b aadh ..peen, and of hrraa pry Paymw+a or cracks Of she code N app-- ce the boa of sic seal ' net b "B"rach Ram Applied To,' r also batio .bored rosy tsmid fierce Gaps indyOs l 11 of "? she of mace 1 e.dr O germ 1 TH. a has os the sly bs.wwm ' sepnos. Thank we "s tv ee me dray belartme f« each aapmsn Is, the bin, Pend and dhdde by be final .-*- o1 aye n rho bM* Prbd TWO 0- m the verspe easy MWss of each seperse 3. Mad Mce taps Rau fAPRL a. The rem 'Arasd P.--age Rem' say -pour u ealsrrrert. APIs' on she has r sis b. H h ads P Wioal. L Fl+rre. UWM, C (Cedfcam o1 Deposal, this ar ye e« ? ? peio6c reieW air liras N mss ed coacral maq AtRRWL =M iIATFS my wry eprnery 1s my, Masese « drone head on she nand Mcr. . see land at Tee Watl Samar .brsne2 Pita 0. mh•Nkh P -A-.Iy csdoor l sa you Thane charges %M be WHUMM on the lie ay of yak bWkq MW cmoed by Yam podadk amt artery kit the sears s .lorseery. April, .key and October. 011 c. H h ads D fpdmsel, F If -pnpeo.? UB M the crG0 11 Y•ar rsmeres toPmdocc'=. Os Peiedc raters ass" ad arcuprsiq AFL P91CBirAGE RATES may eafy uadry ed ee.y Ytoeas or dream based m h stead iri6rm. as /wad as The Wit SYrea(.isarmi Wks h =1111 pmviwdy ehdoaed b you Tthw dosiod .A9 etteafre sn h fen Ory of yam 6iiy pact 6. Assesse eer or talk D-f ak and Rafr od reasserts Face. You acaut w7 be cheesed no most raise tree of The 1w listed hsR lhal ,car c1(rh, any fhiq I-'.& Urdu the terra d You ciamoor apsecas. r roaove she dpln to ea or fhae 1. alas any fare eridoest pe- faifatiah to ver wfthsoha vteNirrg tau miss b .sears to sub « aihe:l.r ,1msms a a late inch 5. appears ea Yak /komut H a are Vrac tec l rocra - hose Sat appears l m she Iron of is saatewK. aye Ise the am this sbmrwt w nor 1 b you to void plyby the lee « b Mw ? pasa hit to yet if you cralcod Yatm a ac s. t -40 h--WO man so hi w year a®nm fist acct scant .wy =%Y waifs y lea. To earache You Tae mat natty a by colling; H ale Chssechn limbers she Defroccesers feeadsplMOyray- -New Bef assn in l 1 I g pd. . thick, is f. H You close Year Assocrel. Ya an apes to dose yea acsas by oF0 aer Gears Rafaskae Deparrrroe. Yau aaart deaesy year aoAl rasdld ad emus ems decks, coreml of Wsta adead bumf. rarsd ed was ramp yw scones. H your a not Pfeahnndmed bWahf amsfa"ass•.r wM afsider script M a dsrpe here efcoffuvon b cheapen your .races. Adctlohdy, Vahm esaae Wll rot be dosed ,.A you pay r a seff" year or its WLefiel arM vrractom Vou have auisdzocL 5- chaps. Pon due ses, ovoridt fee, eenrnhe , PaYnse fw, rah adverse lose tared shy War bs aaswd to you ocasn. Too aR mspasfie liar tease erase vrsarMr =j=:.m yam a®as a the rose Neck eipresf to ar « they see Moped ebsaQrat to your span to dw she acwt. This nay reared in dares ecumfm ec each accrue it. you h- _ yh* it it airs orecuy even amen. For eaarrepc. it ots r H to ecOadzd 1 pcrrdnase tram a mefdho l and Rceive the tramecrian /asst h w..here of- Vas omreit has Wan dosed, Pte chorea v * be reapead, the armeat of fie charge teM be added b Votm oasts. and VRr chi be espasim for paymee. 1/ shoe ls a ..mb..* fee for your aeaec, the lee rM tattksce to be carped, to the cost perafted by few. until the a corns bairns has been paid in o1 as delisted above. 7. Well Yate A=Yoar card or aceoyrrl amt be toad in connookrh vhiah arM' arermn 9af^blbhf rraf®ai ws 8. Nalm Abel E lsomno Check Cror-loo. Wlsa Vou peovictein(alisW?on - y ? aWndc. m ? to I=-w ask. oleaecic 1hm vesNr isah you Mrt .ranks « for ,roes h pa ussi ec a deck trareaaian. Wren r ohm khlowrhnian ffoco Vote check to make an eecn .I. freed l`ma.. tuna may M wfrr :a- tram you bode .copes as noon as the same aV r -ok. Vou Payaaa, ern ==-O ecvrYou Crock Mkt horn your fiaoal BtLLM NWRS SUMMARY IM Cue 01 E- Or Ouemions Abed Your Bill) t you deist your aW I. wsrni, or H you reed nbre kdafmaim ec. trarsco en or beL write b a m a aep.hste cast as .eon as fha.111A• n she addfw for khgids perm es she fray a 1 his fneemsre. We wont hest free yore m I.ss Nit BD actalyRi e:=.: e you the era bW on tic h h Sete s ORbl•mh You ran W are QRtaner Rdedars sevolm. bm doing so veil trot towns year dgec M Voter ism. ,iw m Via followig khlochrheeiarc you tarns rd acT:wtt number, the ddlor moos of the stupactd slbr. • dscripio t b She error and u etplratet, 11 Post - . of Mry you believe then Is ems, or if you rod hrstte Mowwausfc a description of h fan you m urge about. You a nos hour to pay Any amoral it 4aeon while r am iewanigming it. Ina you ate srW aaifp,d b pay the pans of yore bill that as not oh pfstioc 101i1e r Mvwiplre Veto Weston. r tamot mpot pre s dofnpuere a take pry action ae a oil= he emus Vau rl ri i.t Spa" Wile For crack Card Pcadeass It yam to- • prolion wide she gL.Ic M property or hronites sm you purchased vrtn • crack had and pre how vin in good faith b correct she problem with the mlydse, yea stay ha.e the right ma to pay to remdrirrg uwua due ec sec prapeny or se,". You have cis porecdca, aiy when she paadrs pia war toe than $ssaooed tM purchase wrs arse M Vser home stars or vdmin 100 cobs of Voar melraq address. Of r own or H r arafect you h aperam h mhhoehams. s dvrtimmrt for h pro"mr «farw, r pudhss ro eased =g:1 arwous «loation of purdhese.) herrsrtar r wneapwdmec<. Pleas t Dos aor tRWY m exe.emr each--mar card eaar us a Does s« apply o beak ss --.W card acrnea fs capital One m Worts Mbmadon pd-V Woreaioo ate our ..beia a -r.cepilalele.eLm. _ fitarecd CcrrMmian. All A" r n .cll. °r 20M capital Combed Oero OILGLBAK 46185 Important Notice: Your payment win be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET- Payments addressed to our Washington processing center must be received on a business day by 3:00 p-m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. W3 Your account is delinquent. We want to help! -4 To protect your credit with us, you need to make a payment. -4 We can help-but only if you call us. - When you call, you can make a free check-by-phone payment Return your account to good standing. Ws up to you to take the first step. Call us! 1-800-479-7231 w3.1102 C'apitalone Atxowrt Summary previous Balance $1,106.33 Pgments, Credits and Adjustments $25.00 Transactions $73-95 Finance Charges $22.51 New Balance $1,179.79 Minimum Amount D. $679.79 Payment Due Date April 11, 2003 Total Credit Line ON Total AvaiivWe Credit S-00 Credit Line for Cash $500 AaailaWe Credit for Cash S.00 At your service T. oD Cw1- Rd.6- w ro report .1-t or A.1- urd_ 1-800-903-3637 For Lm onhnc+ccaunt nYVxs .cad .pe" a.tomer off=, tog m to: e.bneam ww m p . Sesd P.ymans W. . Send inq.Wcs to: Attn: R-iov- Pmmang C.Pitd One S r im C.Piu1 One Senica P.O. Box SSW P.O. Box 55015 Richmond, VA23276 Ridunond, VA23285-SOTS Important Acmunt Information For service in Spanish, please call (800) 929-8137. Pan seviao en Espanol, por fa%w marque 800-929-8137. GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 FEB 12 - MAR 11, 2003 Page 1 of 1 Paymmts, Credits and Adl.tstments 1 14 FEB ELECTRONIC PAYMENT $12SD- 2 03 MAR ELECTRONIC PAYMENT 12.50- Tnrmetio>ts 3 12 FEB OVERLIMIT FEE $29.00 4 11 MAR CAPITAL ONE MONTHLY MEMBER FEE 6.00 5 11 MAR PAST DUE FEE 29.00 6 11 MAR PAYMENT PROTECTION 1-888-527-6904 9.95 "You a e a vala.d Payment Protection customer and may be ersg"rble far benefits to be paid to your account in cars ofdiobol'sy, unemployment, and death Ifyou have experienced one of these events, please can Conn.mer Membership Services at 1-888-527-6904 to see if your imumon qualifies for a claim- Yom account is 60 days past due and your coverage will be suspended if it reaches 90 days past due, as stated in your Payment Protection agreemeuL F`manex Ch=g= p?fYKJOefIDGJCtIdrfO i.,*.i winfM-di- ?"'?'b`? j k r WEI ?m PR m b N PURCHASES 51,13276 .07096% 25 .90% CASH t00 -07096% 25.90% 52251 5.00 ANNUAL PERCENTAGE RATE applied this period 25-90% T PLEASE RETURN PORTION BELOW AFITH PAYMENT_ v ?," , capitalow. 0000000 0 5Z91151856361793 11 117979001Z500679790 pyrmrpri,rs,,.aSy.diere.N e?.d?e.ga kJ.ermm b6rmbLdi,.k New Balance 51,179.79 Minimum Amount Due $679.79 Smei AP d Payment Due Date April 11, 2003 Gy Sam 22? Total enclosed S Hone Ph- A)-Pb- Account Number. 5291-1518-5636-1793 E.nd Addeo ?s #9007137497863054# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 III 1111 111 n..... .nn.nt ro to 306 S YORK ST MECHANICSBURG PA 17055-6302 Richmond, VA 23276 I..I.I.tilt..I.11...I.II..fI...II...II...II..?fl...ll...ll...l n I...III...III....{.1..I.l..It....Il.tl.....f.t{I....lt...l.l.l Please ra,Oc r-aceoarsr rsssmberm yore chat Amormy -dn rsradep7.bk to C. OiW OntBaak -d .if in the enJaradersa rtafie m 2002 Capital One Services, Inc. Capital Dne is a federally registered service mark All rights reserved. 8 0 0 .. cV 1. Haw To Avoid A F ChoW. ri d f Wde&C - To obtain d to awaw daey baia ce 1« the paled --od by this atnamem, nee take the beF Vmr -ewes if a ba almady been dmad. For -mopte, H yon oudeonind • pudrae foes a menrdum and era o o t.. Greve Pried. You vide here a n wimaem pars pe ro- 25 day. wbhau room drrye m rte- Ptedh -,od'ar rime P rte a f " elides d each de- each day. ,lid sly new bagioerey Itt!ma+m rty a am tar ed , sa Irrwmrtm 1t na mve as trwaatio t fmm the merdham an. you at " ham pert ch ed, You ,0.w, wa be esprted, ar a b dded b w - -gem T f You Pay m, Balance, N -Mori m manna if You or . M the C.0 H M spp opp t o rt IN tM ea it. e ommea non b en, Home Applied w al 1.. W a y- as p-dm. sib e I e a W. arem-11 of doe a a he bk I. deal you wM ram om e i for for and for With a th b the be fehhPttne Hods paymtaec below , nd d I" N tNa for andtW W yehe ^? a.tenom d Wom ed in the ba , Rbeeama t rs any up:d Fe.rtoe charge ied"ey b -h balaes d aadh Tls ided ai eve L t f yotar WpTee I. w -.L the Iee raj canihtie It m m mea to be duped, b the nmo, Woi-d! by Nw, time the .' Uoahep data. Than is no pees Wdad on rash edeoep- f t of each a?1O1d M the daffy Wrtead b esch dd ua bidden hem beat paid in WR .. defined b.- aaz and spttdal vaarleo. N addtionh, tide I. ro errs :dried on any vnoaion it you do -1 W Y Yhd total -Mod" t b r0 sePord• "°t, d"s + depths, b fm i" Mded aid drida by as trJ nape d deyd it the baF" period. Ttfs deco em as Aeaetan.y'w urd a arc tan Caraha bid 7. tfti" Y treed N careacaon e:m arty keemn w^x+te -Ness: D. Aesuitp Fl- Cbarye. Trascel- ""Ch are rr a4ea to a pence Wried .re ,-seeded irhants dehrye t l ver+pe daey DtYee of erh ,apeene. 3. Arawrd =!=R= , x M rodeo Adam. it- e. flotie Abort nameaic aaak caeca. dt. When you You aulwe x ehher 10 powda a check x WYmad dad tlha raaaCtion « 2f ban he data the hom the d t tom see n is pmcenod to Wu Accaa, « 31 farce as ,eaecti ae stay meem a. The 'An- o 0. fear, at tide mtamme. C ICerdfure or L f3-aw ULOW H rid code P pd+r? b . tae ihfa UW foe you chuck to make a anha-hate ea w your bank Tad vaub / aka Rot Wrda day of tM -none Dieing padod. Ad6sextel if you lid red Pay and 'We- BNarod' fro as prev:aa wale you eeled N ty fi We dory- tsrS b -& b A . . . Dep_V. w 5 fe-kcard Pdro1 appsr on the Nee of W. aatmttm, dodo to the padodc raolef. dm parlo?e " Mi don. a d poYa- as a duck to -Im an. Wlrn we - b wic -k,== duck k nuke an on are ou bride widd,wn 1mm b d b k p du upaid -does- I. paid N Wu repaid bloc. . id AC.1 MTS . rues and armrrostdatp ArM AL PE eiaredy ad may irooaao a doc ma based w -m y e, r y e d s may lead Trau . arcau, x tom ex h same day we I"- 1w awe This mars tfut you nary ado owe Fhres nirnpa yen WY Mid eon Naw BMe«s ktdotad on the 6-4 of b did ry y the aaW fedrso, em Ut.W in The Woe Seem lc and etaVn Pre1i°'dY disclosed to Y°LL JouraaL ==z Ya d`o eta cire your deck back ft- kurhuion. ee your natanara by the roes aaramdm dairy data. rot tb b b the polo- moth 17repoE I- eery- p Theme cJrnps vti ee dNCtime -the Fa day d year eal rode1ed by you periods nnoma, asfinp ba . M $ are added to the spplitatle etpmwr d yam Arseu,. t c aatkmm? Fwae Cthdnpe • For each Dr tp period? m a e - p in tlu mwdrd .1ru.Y. Apo'f..kdy and fkteMC F It- LW% « 6 R+tto. e If idea coda D vwd t in C. Of OI Eno moh A Y 0 Ou in C. FJOS My I N kesn IL Y-1 Biel owe It you dime you oil wore", or it f you -m a itaee tdrpe, • w wa you rxoun k abject a teal pNANCE CFIARGE of 50.50 wi be Haha imPeted . pdars on ids feast of V- 118011 flyiod &A-") +tp au Pdid6c need aaanearat - ear Wdddc on-W kdomutbn an a tranmaian or pie. .he to us an a s at the to, ddpeotd dud ad coon x po mud Fh.ma help dshdt^p from the +Pp?d d Yee tend adetrac that 50 0 . and C .......&W AMMIAL PERCENTAGE RATES 1-Y int. 'Ns We inpinies a- m the foe of 'Ns aatemmn ewe , wa . periodic mat.) a Ion tales $ amoum Iran ate $0.50 ndrbwn deli as dMeraL-e wM be rang rwddy ad wy kt--s a datmtee eased,tt ate x loud N 7M W.Y Sass .ebwrat pits dead ktdc- hear Itolnt You ro In« awe li0 dap ,her we can you the Fri Di an Wi h the enar at Problem Weaned. You ran baled to the pecMse Nr-C d W- atssue. d. T Ifeduaon :t F Orpe- We' revere ac i t , the wren PtedidtalY dd°edd to you. Then drr9r+ Did elNdiea m ate ern dad d You bZ tp period VA tale w Gatomer Refogione y wuDer. doing It. a, will not ddsd- 1. In your Neer, ¢- w be the tp eaars Y nt ,ass any or atl Rome tarps b any p to W ad 91 e.ch tondo a d"Or n V bnttadon Wed rtsm and rettwn nwreWr, 1M daear be 1kv Belarwe Ilmlyd tp U- pddadedl. 2. A , a. Aamdrd d tats. OaaRelt ,rd I PdMrd Fes. s .saeaad no more dear wa Y doom, of a. wWSded am, a tlneripian d the error _WW le ? n w a. R_ dm p N caladned by aeddplriry the data balance of each s 'pereee'd of Wu aavu, 6- 41.. raA da d , ou wa . Lead om pnad lam tM doer dedy aN effete peridQ that to w csterwn apmaaaet wa made elm n9 tend of a description id if Vm road am kdo o error: om tarue ,boar. You do rot Nee to Pay -Y hma advance, prcfume. Nadal foub, a i apa Pte h by the rn.opohhdmrp data periedc mmlal out lam boon y jan ,dive a eta b ands dry 1.s widaar Pb roafod b t m au saga «Ymaw H , M ea cox it paaion rdie hoe m ihtreottptlk" it. NA You am so obrgpwd to pay the pans of Wu bin out am rca poviouly da:Naed to you At at. and d each day dtekq " P~. we a{ylY the d,ey Wriedr role for each thn bell d li o mo ide you viithou dmidiq ate }}dmes a • fear /ket_ e. H a et nabenWp 1s TBahemd" Yw Aa 5 asa m n you Whee we Newiwte your action to roe ion to c ffea tls moon Yom as deenpr a or ate srhy sa t s sepmam of yo a .smm, to the fesYnece Then at de, ad d au DAN9 Wdo4 we add uP mam f . of ppeam an 10. dx aim ,dead,, Y- Iwo 3D anox you Pnot. sep . Th. reacts of th- ddy talndat. to amide a you de Rnace he for alit spnae via tl7 tip ar ri day. foes S. data left awwm des amPad b you ea W Peiping; f a I- «b bete -ch ale aedtid - yw t.t Special Ikde I. Cnedt Cod Pudumes ps o hY trod each sPead b .,d- at the egad perNdc reau famns ch. im you ,roes,. To go as daily Wireo it You eaal y"" te-mea. Maine tad Wiled. v- meal caeiam to us yar, ,awe rarhnu lurNp b Pay V- If you bide a problem wide the quality of pmpany w tom each septum of Vou .crax, wd cake ale eepieekts Warts b each .aahea'd and add any rte-torsWaa mood etddp fee, T. canal yore sax. Von des roily s by -fey w Cuwr Rdeai no Dapantoom h d ' serrlcea out you geehmmed Mdh a -edit rm and you have tded in good faith to co-C! as Problem width ae h and drry parade Fro ebenpe Wadded are as peavioa We dent wbaaa ary ba(ao for 0. aeprwm da eq t e N $A Ixdu ==- Mawr Blots aei P? to the wd d au ainYday Pariaf- e nom--- mendrm, you may home the tWet not m WY t ,news, due m ft. prapmy w services. You he- it" . da paymems at cmdrnz peed asof tlr day ten w alk add a. H yw Cps Yw Aeomaa. Ym set mPnedt b dose pr«ecian ocy wizen to predus pis was mom darn to Char septnam. TMs give s the senora d.ay bdnrs 1« each aepmem of you e.C.-L ibtwwr. N you paid au you aaaum by CWWq om Gorda RNnlaa Department. Ym moat de my yw aa& MK W o ad $50.00 and eta purchom, was made kh your hems dote « wiWrt IDD mead of yw wiFep adds. 0f we own or New SM.- dawn - V- Pteenoha dawema infed 1« if yaw new beNns vnm sad «. -eel araoui0, rte- t d l anti, teas deecAs, cad .1 p mmak-t ad king. deli wse 1°? Wtr,ttsarme. H you do not race amtparoals. w wA rvreddar `° °"' ::cram na randure, or H omen -Hod ym the ,ddeniaanum for the popmy « services. aB wncMmes nbwred spades a anax « for tines :l pndua.) ee e a dpe tnntwcliooe which Poet m rote P- e purchase, imp m m, ate not added to as dally bdahse. We do . a P raapt of a dope your atdtodurb- b eaaWn Vw Atldnfo.. ft. yard eased, wA rr Do tdesd coaaa peas rsrwber to sign Y sn.tpadee- h W.ULM as .-.a. dtey bdace by d* g all as bad.- topaltr and deidrep dee tan by the reaber of _ vote you Pay r amazes yen owe s _%as q any t posy od apply to ranstaner owe--adl cad -.DLWa V. day. N the mxran bMkV cyd.- To ofmdre yam teal vraartiaa Wa Nve eadoo ted, finance congea, pan cede rsaud P.Wr, fm i fo- fi f rd a mft i ide firm- Wrye, mWdoy yon .wane dally batarce by the tia raaebn OF drys in as bin" il rata ab e d c d , ss, oder a , due .dwce Ned and any odor tas ea-zed to Vote c ds non-.a S foes ear aWy m bra a y y o k pedDue m --eft ona deed Deis. Rum wy be . croon- You w raiaeaeae b atm arreoties wttaaon Cepitaf one teFPond Ydorrnation pdvacY pnaeaion: sec our Alp'. vadance t enuare IM dcvlaNn and the ,max d e actually adenoid. finals air *my app- - Vote ,card, a 0. one you repeom b dose the ride,, n /boy w .4--d aBSWaa b webdte a www.pedraN? rsm. Gpiul Oro N • dobd Ry iegist and sarvice mark of Capital ry It the cods Z or N angora on she fie of ads aaNnra b Whom mghmn to dm au +mceda• Tlis may rerdt in pro Rrhandd Cagwatiw, AN eigms resemd. 0 2003 . n en to 'Boe- Rom Applied To: we nwbyly as dory- emsi^p w! Y0t° ?hd, aid y°u home ,d Capitol One Ot LGLBAK 31256M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, etccluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. --4 To protect Your account is delinquent. to make a your credit with us, you need payment We want to help! i t - We can help-but only if you call us. - When you call, you can make a free check-by-phone payment. Return your account to good standing it's up to you to take the first step. cau us! 1-800-479-7231 M,naz C;apitaIGW Account Summary Previous Balance 51,179.79 Payments, Credits and Adjustments 525.00 Transaction, $74.59 Finance Charges $26-54 New Balance S1,25S.92 Minimum Amount Due $755.92 Payment Due Date May 10, 2003 Total Credit Line $500 Total Available Credit S-00 Credit Line for Cash $500 Available Credit for Cash S.OD At your service T. dl Co. - Rebhan w to repon a lost ar.mlm aid: 1-800-903-3637 For fi= odina hhhxaunt swice and speoel -aana office, log oA to: vuww.apiw-- Send PJgmaJu vo: Send iquiri. t. Aura: R-ittanae Prom.ing Capital One Savi- CaPiw One s-;- P.O. B. 85147 P.O. Box 55015 Richmond VA 23276 Richmond, VA 23285-5015 Important Account Information For service in Spanish, please all (800) 929-8137. Para servicio to Espanol, par favor marque 800-929-8137. m n GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 MAR 12 - APR 11, 2003 Page 1 of 1 Pavmenrs CreditsandAdyistments 1 17 MAR ELECTRONIC PAYMENT 2 31 MAR ELECTRONIC PAYMENT 12.50- Transactions 3 12 MAR OVERIIMIT FEE 529.00 4 it APR CAPITAL ONE MONTHLY MEMBER FEE 6.00 S it APR PAST DUE FEE 29.00 6 11 APR PAYMENT PROTECTION 7-866-527-6904 10.59 'You are a valued Payment Protection Customer and may be eligible for benefits to be paid to your account in cases of disabEq, unemployment, and death. If you have ealmienced one of these events, please all Consumer Membership Servi= at 1-888-527-6904 to set if your situation qualifies for a claim. Your account is 60 dayspast due and your coverage will be suspended if it racbes 90 days past due, as stated in your Payment Psoomwo agfeemenL You were a mined a past due fee of $29.00 on 04/11/2003 become your minimum payment was not received by the due date of 04/11/2003. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital Ow Fiin. Chugec PTLare 16 TG90JL ff?LC?OILtnepOTr6A}?J?7J}tAj?fO?.?r(m??`t?(Y?{?CA ?n? $a/aK>'dt Perms ?'! ??-'a 1.11!>.1[VL a?(ndb ? AfY( PURCHASES 57,20650 .07096% 25.90% 52654 CASH S.so .070%% 25.90% S.60 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. V Cap?talow* 0000000 0 5291151856361793 11 1255920012500755920 New Balance 51.255.92 Minimum Amount Due $755.92 Payment Due Date May 10, 2003 Total endosed S 1 Account Number. 5291-1518-5636-1793 Capital One Bank P.O. Box 85147 IlltrrterllJJllell.eml Richmond, VA 23276 IJJlrirrllJr,IJlleJrlrllttllrrrlirrtllrrrllrr,llertlirrtiltrtl Fk-p-d -16z .&- c-+adc6ar kbw-Z bba-black... 25.90% Cq. Sun ZIP Hoax P6o.e Ahnane M- e E- lAd&- 89010237497863057# MAIL ID NUMBER LOUIS U RICE JR `D 306 S YORK ST m MECHANICSBURG PA 17055-6302 ra I.erlll.JrilleJJJIJIJJIJIJJIIJ.JJIIJtIrJJJJiJIIIJJJJIiJrJIJiJI Pk'u' wrdeyorv-Ow" nroaboony w dick n money ordn made fa)able to C#dd One Bank and mail in the endmLd emel*a ® 2002 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. 8 0 d w padede rote. To roan 0..-,Mp ally balarm 1. the hiq mrarM by Ihia tlHewe, we esker tat b.p® balers of emit .epnea salt 6y, adl any new aewatras to -alit ..g-. ad mbliect any Vittoria or a k. M Vas code N appup m Use= T.: N Via awaerm was "BWerQ rWe es aM sand any ,paid mince chine. bdrded is tat Mince of udr ?PWOI?.1 Tlia pis to rat aly b l.- of uch K9.rana. Than, _ add up all the dally bNMi6 for YCh ..press I. the WJkp psdod ad bride by err total raa.bw .1 days in it. bldmp pentad TMs gives - 0. vsa.p d." bal.raa of each .I-. 3. A ...W Peroartaga Rates IAPRL s. TN rem "Amrd Pa-rr+ge Me' o.V sppwr u 'APR' on the Lorlt o1 this ananew. b. If a. -de P Pd.W, L (3- UBM, C 1Cedrru,s of Deposit), or S (Basilicata Phone) aWm on de fmm of pas stareera ante to W. pain - teW, to rat- pad ,1rres0aadep ANNUAL PERCWA RATES Y very awatdy,nd may tNOeaw or dmeaze based the ;wad mdse", w fo,hd t. Th. par so.0 A'ne»r' damlpa Pas n.. ===y 'der vw o ` Thaw i covered urson a day Y_ ills rwnds January. Apa f Jd aif October. p c. If the was 0 IPta), F It are. 1.91011111 or 0 13-ma. uaDR R- 1- - I Madiyrappea m err the ass at your a um : mad or tar, P d cii.rn.W, a, paieda .,a and rarmtpom" ANNUAL PERCENTAGE RATES may vary rtm.Ny and may k-- or dccsaw bawd m Va end lame,, as feud in TN Wit Spew „brd, Pk. tat merpn peviou ly d,dosed ii, you. Thew d,age. will be Oth.*- m tat bon ay .1 your Mitre limad mach mock 4. A..-.d d lard, Onar6nk a i RO-.d Pay-at Fans. Your ace.ur ri be assessed ro atone tram, two of We fees goad I.N. tot amt dialog any bd kp plod Leda the terms .1 Vow emPrnar agreement Ere reaerh. tat Vet to Y- vo a rot a ;.was enY Las ?s pea rodwti. ,o Y- rlaeat .refrn0 our cps to aasrm V. ells. or N.", n a ,ter tiaa 5. era•Ap Yet Aeea,s. tt a memWrahp tee .M-at m a. Stir of as simeme t, you have 30 day. fmar,lr doe tea su amem was ohald to you, avoid prytp der for or , have edh ere aedtad, you If you Cwtod Vat. atosa.. Dnafrp lfrh paced, yos may term)). to mere yea atmmt rddsa Nvnp to pay ate mmmse.hlp fee. 6 = Your aCaum, Yes rem =- by N6w g (nvilldlp a. mehhb.rrip feel pd« to the esf of t, Wny,*y pared 6. N You Clow Your Ao-L You am ,ern to dots yonlr stmaa by cwkv tar rAmomr Rated" Departs C YOU roles desa.y, yes credt -ndW and accaler aeaw docks, tarmeal al pmautao bd bid, M cease ,nerd yo, aura. M you a wt -rd Praed.tzd hiW nepetrms,, w. Erg tarsier mceipl .1. isrrpe you amMdzwm, reopen your a unto you your ac.-M A are be cosd u Pay w matmail. you owe - lea ck hang try t,nwcte. Va• have nrhadzed, bmece wg.s, was due 1ws, -.in* loss, rimmod paymam aoas, -alit advance lama am! try oa- Ewa as -W m your c-moms You eat r..p-e to e« thew -was wmmn they appear m Wes acral.r n Vas time you ,pee to dose it. a®,a or they em khosod au6wpem, You rep,; to cI..e the annals. TMs may -A n yew i=otar H it heir Wady been dread For ecampe, H you audiodied a Phaduw rmo a pmd,m sal re ,eNrva ere trateactao from tat mad int after terra appall sera beer dosed, your arsa,n vrM be reoparad, tea smear d 11M dwee VAN be added ft your ac urc era you ear be rep Mies, t« Par-. H flame fa a - fie for par. --K, oto Ire vA -muster to be dwgsd, t. 0. )ant pamrmed by low, nr.l the a-DoiX bNeaR hea berm Pad m k/ ere tltar.d above. 7. bb:ry Yet Aee.e Ly ur -d or aeraaa came, be used In -rm.oaer tiah any Iraema, gamaing a. Native Abort 13.0 f. paaet Caw _ whom I_ Paoride a d..k as O.Wna., you -h k. os d&_ ,a ue talamooloo Lao Yur check to make • e,-drno .1w a1ic frail c-.I. Lem Yar bare .pCea. a to P- d! Viotat at a dock vansacd«L Main we err 6MamaYOn Imm year deck or mate .n eleemric sad tlaaafe. frada may be -0-k Mh ft. Yea balk arrsa.. s wart as a, :flak ay we aaawa yyoouurr P-im-%, ad Yoe ode oor -c i- Wall dteck back from row §,-..d stathud- BILLING A11i1TS SUMMARY lb case Of lame Of ou ie ll Abort Your Bwl R yos think your bM b hrrpnp, « H you need mole kioanatm m . franwuion « bill, wit. , w m a "Pe,oa aheat as aeon as Powlble n was addres for kgiiea donna an the false of this mamam. pas armt.t ' hear bow yea no later ten BO=Z=- Sun you ere hr m arid; the am or p. Yes . cat ear Cuamma Relades tonrber, bm doing w wR not Fleeavt acomreor your rharraen aM letter, jo- - d. p e=oia% no bar, tat dollar a.rur w Sha -W-Md armr, a d.-Iptm o1 if. amt ad was narpLeaaim, H wsalbte. M why you be&- Th- Is arm ardor: or H Vw rated mom, kdomisanA a - , im of the item you ere enure ebma. You do nit have to pay any aroe. in aea"M rhos to am nmartigetp n but you n ON ahgped f. pay it. pan..1 Yoe bar that ere not a--*- tMre vier im asugate your tfu I.M vie -- WPM tau as aaamgterr or Take arty aalm re -gas:, m a.ow. V- aiesnioai S,t SPWW Rue For Craft Card Purdu e; If Yea frre a Prnearn with it. r..My of pp -y or iasir Au padraed patch a uedl -m and you NK tid V .41h 1h. wdem, NW good Ukh ft C--= 0- hMW the fight mt ?o?pay the tormic np a.,,. doe ash tat pmWty, a wrrt- yes havo this poniclion only M.DD and f pied to - pircteae otaik tin Ywas -- fNn mmo rAM% 1W area of her. era. or V- ==CH d was era « .dame oit. n mard the to am rat ad.w6rarir IM for the paop:a[V or r am NI vat:naaaa rchao of pxwae.) vkae?mwwp?b. m?Nprdaa?-nsa? t Doan asap WY, mnaaia mn-oedL -r --a S )bas par appiY m kaaa- c --* card acc .*, CROW Ow .aygarta iolaaoaaon p,!-.y p Tamil- see ow cabs. at aapitdp a mn. Capita Ose Is • faarNy ragiaead service mark of Qpfcal Ore ? C.apornbah. Alt aiphta reserved. a 2003 CapIW Oea _ O1IfiLBAK t.. Grace Parird. You pap have a aittieaw fasoo Period of Z5 ays white, Fn.rrc d+orpe m trees decrees, now bN.nea trandee, new specter) purdraew and tees mart dwfp. H yes PW yota tmN 'New 8M—% in and? h time 1« b W be a ea pews babes, W y yet rhetd ansomea cord Wee. Tham I. ro era- pealed err ,aril ads m ;pedal tnnlea: In adrtton. 1Nw'r re pre, podod arq traraa lion if you do m pay a. total 'N,- b. b. Aaea I Flnerr Chega. T,.-c m ".h es nor kom?1N' ate .1 d. 1? aaedon?frofi- w dia ere, due l t,rseaioo Is propssd to your Ace ad at 31 Lan the lire cal-dal ay o1 tat cur„ being period Addtire,ly, it you dd not wY a, "New Bdaa a" a- rfal Prmi- tlPinD Period in tJ. tb,nQ dheryas aerie. to a¢ne to YOYf navaid b.lorxa 1nrh11 Ills ,pad balsa a I. paid in ILA. T1lr. nMS4 that V_ pay .fie erne isnae lir.rg.., aver) H You pay ere eat. Wes BW«a bndca..d m M t«a of Vow n.tenam by der and rewaneht dtalaq do., but dd see do w for ma prerpe female. tahpald wall der ryes are added to 1N gpti.abl..epnen. of Vote Attalla. t c. hinatw Fosterer Prep. 1. each bid pimod Uhat Wta .cco,r is e4ett m • pace drupe, a .ainknurl mat Fal4tICE CHARGE of e0.50 ri ha bnpwed. N Ilhe t«N grhw to reap nwMp fore are application of yo, pertorc raeW it less than 30.50. ras >W subt.a drat amo,s from a. $0.50 mintmas real tat dfewarl- was be bRd W tat Pn.cb.w .eprwt at year Cuss t d. T-Vorry Radudioo n Favat. Ch g. we .tacos the =0 ?n?afail daaaaw ary or all i,n.e -b-%- for why given 2. Averse. ?Y lat•hea Itreedtq krre+Aadesa.l. a. Rnanca ch rye Is calculated by par OOV tat Ydy balance of s.,h wpn.m of ymr aloe,. (e.g.. Ceah advaahc:, padras, gmdM order. and tpadal padow) by ft cmrspond+p dairy P.i.de r M.M fl.l has been pevtouty disdowd , yes As ere eel d each day d,bg Wt. Nip paled, we apply rat daily paiodc M. for each eegmrs of yaw'serer, ate sdw- al,alit segmam. Than a tat and or /N polo,,, .w add rp err realits or caller -rdddMla , MiU! nyot?up .-ft then a-ct wryer each 1- I tit 1. VYe add pm were. aaivf t dal y baler ealan ,6. dpage f« f.sa acasar. go tae ere defy z a aada each a Vow acc.ua, m meta to t* p-fe m any m- be0r1 a Ior Or each 151 dawdgt add tvi ed err a, ll , ad ny It o sskW,d arty day'. breatca d tar that a s p seem INS any der *- payments wm made peed - of t day it di shot:atd to I tut a,m. of ouraa as M. as P.ma - ally ere -dame alas paw Bid- 10D-c a,o- on a?t.r. n Hutria, if yen pot she your pevisr natarrm H Kill for r, y ms seed new' it V_ v bWala'r h? o z « Poo , sew )..cheer - « -pad id ptlyd,w aapnwas am sea added, uhs mlY b.latraa. we twaa.te m average mgr balraea M sddrp al tat easy balalptt tafyreher sal d.itr.p gas ream ar to -u~ N tat hay. n the curer beats cycle. To -Milt. Your tmal i,roa charge, rmhiplyy Your serape daily bal- by it. spy me and M tat a..b. of ay. I. the being . Due to rwndrp m a dMy seal., Orr .,Y be a Aviv ad.n- him an a,e -lnd.am .m tat ayo d rrrrh- d,mge gtatlY sawaed. b. If she rose Z a N appease m the ku of a d hemer. men tp 'Bslwa- elate AppaeO T4 we e rerrtVY she 31836M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 01 Your account is delinquent. We want to help! - To protect your credit with us, you need to make a payment We can help-but only if you call us. When you call, you can make a free check-by-phone payment Return your account to good standing. It's up to you to take the first step. call us! 1-800-479-7231 01}12 capittalow Accounts Previous Balance $1,255.92 Payments, Credits and Adjustments $25.00 Transactions 581.27 Finance Charges $2727 New Balance $1,339.46 Minimum Amount Due $839.46 Payment Due Date June 11, 2003 Total Credit Line 5500 Total Available Credit S.00 Credit Line for Cash $500 Available Credit for Cash $.00 Atyour service To call Cud- Rd 6- - to sport • ba a Ada card 1-800-903-3637 For fre: online.raount sariee m.d .paint oatomc aHm, log oo to: w.w.apiWonemm Sad paym-u te: Sad iuq aAe, m: Ann, Ran:mnm Pmm.ing CRP" One Se vim C.Prtil Ow Scrim P.O. Bar 85147 P.O. Boa 85015 Rkhmoud, VA 23276 Rk m.orA VA 23285-5015 Imoorrant Account Information Did You Know? Capital One offers more than just credit card products. With more than 47 million accounts, Capital One provides valuable financial solutions-including auto loans, personal loans, CDs, money market aeo=n= and more-to one out of every three homes in the U.S. f N n COLD MASTERCARD ACCOUNT 5291-1518-5636-1793 APR 12 - MAY 11, 2003 Page 1 of i Payments, Credits and Adjtmwtrnts 1 14 APR ELECTRONIC PAYMENT S12.50- 2 28 APR ELECTRONIC PAYMENT 12.50- Transactions 3 12 APR OVERLIMTT FEE $29.00 4 11 MAY CAPITAL ONE MONTHLY MEMBER FEE 6.00 5 11 MAY PAST DUE FEE 35.00 6 11 MAY PAYMENT PROTECTION 1-888-527-6904 1127 "You are a valued Payment Phitection customer and may be eligible for benefits to be paid to your account in cases of diability, unemployment, and deatk Ifyou have experienced one of tbese even=, please mU Consumer Membership Se vion; at I-W$-527-6904 to see if your situation qualifies for a claim. Your amount is 60 days past due and your ciru age will be smpcnded if it reaches 90 days past due, as stated in your Payment Protection agreement You were aid a past due fee of 535.00 on 05/11/2003 bemuse your minimum payment was not received by the due date of OS/10/2003. To avoid this fee in the fimre, we recommend that you allow at least 7 business days faryotr paymemto reach Capital One. Finance Charges Pkawimretr ,,?dyea*m,4mtanttjinnfoorrmNet?- y?/s dPR CI?ARGE PURCHASES $1,2M72 .0709691 2580% 527.21 CASH 5.00 .07096% 25.90% 5.00 ANNUAL PERCENTAGE RATE applied this period 25.90% PLEASE RETURN PORTION BEIAW WITH PAYMENT CaPital0ne, 0000000 0 5291151856361793 11 1339460012500839464 New Balance $1,339.46 Minimum Amount Due $839.46 Payment Due Date June 11, 2003 Total enclosed s Account Number. 5291-1518-5636-1793 ab?rl.;?na?,t.?m.as.a,?rr?.n?a.sakm,aaaaar?,t?E ?„t saes APL d t-arr Sae ZIP 14- Ph- PJ-...e Ph.- 0 E-3 Aid- #9013137497863056# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 ill ll it l l? ro 306 S YORK ST r..... s s.r. r r` MBCHANICSBURG PA 17055-6302 Richmond, VA 23276 f i 1 Sul.lull=.1.flu.?.iln?ln.llu.iln.l?u.iln.llu.iln.i ? ltulllnrlllsml.lulrlulluulltilun.?.lllnullu.l.l.l Pka.e urd'yma --d a.oaber an yore 6 k -money order -*,*.yabk ro Gq td OntBmel ad snail in the en hunirnvekAe r- m 2002 Capital One Services, Inc Capital One is a federally registered service mark All rights reserved- 8 0 m tV bpe?iogic rate. To ebun b •vna9e bay be[- Io b oover.d W I. oaeneem, wt Take the 6egie6al.nss (each sepias each day, add eny ncevc tnneraeuws as each .epersa, ad edsrrtt rhy gY,,asa• « [rerMS. to b cab N afpaas m the from of rim anenss teed as -Science ReTo Appried To: M.1- cuteness y apad finsnus derga hided in b.laee ( each re9seao?Thb III- s b dJy Mac! (each ?TMM.. sdd W +a Mho biY bd,- b, each by "neud far are big parries and f saw ce endear of day In b bateg paiod. Die dvsa u the wer.pe daily baMce of each capers. 3. Nraal Pseeebga stele IAPRL a. Tie tea 'Meal Nat . Tont appar as -APR- m ear bas of a Douses. It. If b sob P pbrl, L This s 0- UBM, statement. L opposes C ICentf of Disposed * ft c ashen seUe P i peed fc r mlq Yh h e plenom from .f now and mre>martinc ANMIAL PB1CENrA I RATES may "say pertly- and sacy b- or boeaw bawd m b aced krdor, s loured in Thar Wsg Sasef .lama[ Flos b sTat4eh praiouey Qa , To you. These chai9w M bee etbsice m b fear day at Voice biig poked coceud by your fado6c a,eseer thing w b mode Jwnary. Apt, My and Oetabac c If the cob D OP . F Ilan UBOfY `12 P-mo. UNIM Rry k d Mealy) sppss on the bas of yu degce appenig en ya a®at she! yaw hot_ your serous if it has elrdy, been dosed. F« entample, armed co?rteapa day /NP N PP91CENrAGE MATES mays try ernonrlsy arnd rY lever a blase bawd m b Theead bocce, a brrdidew you Tlec dnankpa The rt9ih Ptaciotaly d d Yorr biig Pained si slrasivs m the tea dayw , 6. Asesorn .f late, Owerinh and Rrnnsd P.V-t Face. Ysr account ai be tusvs , m [sae than nee A the face Noted has don oasr dhie any bh=p period. Innda tie Tome of Va• -s am- apsa.es, we n:roe tie rids w wets or not to sass dry face aides pd. unification so you Advi a weicbg our rip. To peas the .er or aim=r }}cece a • later tar. 5.Tpaeweg Yes Asai. s tosewbe. b 1.- 30 =ft eel a appears, on t The he Isar (this atesn, you by tsar nee this meta inch rich p you to voidannce ye re c un revs adh fen my- it rid cancer yo u saner. Dda n i hahitg %&* T dicL w you pay yarn may modus w use year axoat "Y The notify u by fen. To your acccancer n aaledoReledo. , DU sear redly hen by calffing e ein h Dopeneseent spenead?pay Haw Bw Ci O dsif- in kid reedhdahp the . N Too Cass Year Apd. as if. and of des -set. Too me tapmrw pooled. 6 dose Voice scrota. by rig our Qnomer Relations Deata,etr- re ..e rbarity lens weft cad I and areas scows darks, co ncei as pose dae¢ed baWg, and mesa ??p?Vow at>mat N yw do not utd Phawgessai pa'9 atahpan+s, a. ei -insider mmipu of a I- yen ashoizadan w reopen Vice ac mat. Adodonsly, yaps ,twee veld not be closed Tar yaw pay of aerie yw owe u khdhdtq any icansecbm yet baba st a Dibro , macro dw- Pam du face. ova iank bes. meactred aMwr+ fan, cash abate face and dry oiler Ices seed To you scoss. you r roepanaible for tees moats weelhar Nay appeor on yarn aomhe a the dm you apace at close The a®us or They are Insisted saapnnm no yew agora To des the comics. Tim ry serif in If yarn atnhoriird a pUK*- from AT mrches and ve -.I- b Tranwukn from the medtam afw you aamtss his been dowel, your +ecoae wn be -paned, the mars of the cargo veal be added to your accmrt. and yyoouu vfl be re?odble b lan mam. 110- is reersbarship fee tot you account. the fee wad mntise to be denied, to the caned Permitted by law,_ ass the anceso be- has born paid In Kid cent defined about. 7. Using Yar Asm.i.Y- cold s emitter tenet be uwd in --n-main with dry Hemet 9-- V ",I- S. Noliee Aber 9.eronie Chock Cmwmn. When yon P...w . check 6 prymmt• you et a u sorer To iri orrnalion from yzer check To rke .one-Pent ekcca nk, land tiareW from yota book amount or to prams the p.yNnt as . dnsck t- Ytten we Tae hdoeafon hoe your clack To make en itletnreim dud Ima.br, kuhb may be whittim h from your bank your serves a coat as the some day we mod "a aYrrter4 and = wla n oc n:f - You dnecc back fran you fisrdal ktharonc BILLING PRINTS SUMMARY IM Caw 01 E- 0, Outistions Abut You DO) N you itNdc m bi k vw«q «iN you rneed Ne swoons st yen• tranaedimn « b, site w u on a the On or the address fine awbs nes elnhowl s an the .neon a possible hear T bon at sn ant. We rout bar hoes you the llrl 60 data maver st am w we see you the You fat bill on cnhich ch the e o « finoblem Jim doing s. You ran roll oor ar 6rwaner ison yemawbar, doing w wi rot p.aenw Yarn AgNs. is you Ova, flue u the The dollar b almu.onc your norm aced .ccvas nnebar, o6r ammo o1 w error, a of the -1 and en c t r It It eem, i k kbv*y why you u bdlew tiara is an aria; or « it if you mi. you mad d seem, rmtnm. s tlescPay of you m Taste chat. You b not hhit to t y auY the itmm MM b rpesdon v *ft - min 1 yotar ill it but you am ai Wits to Pay it des e arts ( you bill Van .s rot obligated in penl- ev Whkk we iuresri9nte you 9rraatanrr. we carat tarpon you s defrhpum ce WY! any amden To collect de annhohnra ! U orreeiert. t. t Special Rule For Gent Cold Purchases N you haunt a proNm with b pasty, of Preperry s serwme dot VDU ptadrsd elm • credit con and you hew ties in good INdh w cams the Pwhlan With the matched, yu Ny, hate b ripls ns w ay the remaining amount due an The initiatory s services. YW haws this pt,mci on only when this purchase pin mom than $50.00 and the p ache a vre mob I. yea Mme sae or widin 100 nhiles of you ;.=. addtear. 01 w! owe « .petaTa b ntarcten. «Votr the adrnbenmo for The Orspany a wrdms, sa PUrcaws e tweed a.gaAea of aneonnrr s kcotion of purchsnc) Pie- n..am- To .ig..• Conreapaderce. -t Does hoc apply ft conaamr non-andb rand acc«af: b Doha nor ,piety w Moms ---W -d .caarmtt Capkel Om eVpms inlonehaen pmary poecem: see our -barite in vcww.m.ph.ioe.csm. CaPiui One I.a kderally mpaened swim mark of Capital Om firsndal Carporabn. An I" renter-d. 0 2003 CaPhaI One OILGLBAK j to. )haw Peed. You vvi here i mi h- 9mce vatted of 25 day ==.=p= purdmsn, bdaru sod nsw od. merles IT You PaY You Used 'New Baiarce , et e I nth b be art Nahm for P.lsrass below. and in tine lot IT w ba roaches by your rhea astamacf codrq dad. Them I. m Pots Pe . en Dash ad- and spei.1 tramttne. In addhiay them I. m loam Period on any tensasish if you do rot pay the hotel -New bNance.' b. A-.I g Fir- charge. Tut-ions welch are rot subject to a gram period and aasewod Antrim large 11 from the data I b lranrwctlan or 2) Iran the data b Uemasien I. W-cated to you Acsaen or 3) Iran tiro calendar day oI he srrras biting paled. Ad"=", it you did aim Pay the New Bottom' been the Preview brig Period in l f, fntnce chagce csdns w imue w ysr upofd beloce wk the upeld balance is paid in kf. This Nero that you met :n owe Interim dergs, even if yea ay the ads New BelaKS indicated on b Iron of your statement by the rest waamrs closing data. W Ad not do s for the paewou morsin. Unpaid laten car dtanges am added to the applicable seprsr at you ) mcmtm. t c. Wok sin Fsswo Clerga. I% sari billAm period tea yu eeterc 'd aebi.ct to a ar- large"I-.& a orinitssn [sal r7NMICE CHARGE o1 $0.50 war be N the [sal f.- .'. seokg t- b ',,amiat of you penbdc a(y is bent dun so.50, ewe Wa iA.- van emsas hero the s0.50 miiksen nd b I... wN be hied To the puduw wpras of ysr acmes. 't tl. Tenperay Rsdccisnn " rrcea 47+wgs. ws rexrwe the Will t=saws aM or as Nance eNryw 1s any gi- 2. Agee 0Ny Baines IineisLq New grdaml. a. nrnarem derpr Is mlcait.d by miflpiykg no bay Manor of each segmers of your account le.g., cash odsanca, purchase, afradel trendier. and speed purdass) by b commixi hbhg daily abM rat(s) tba Thai been duding ddbMkV period, ea t peppy b At the and bay parodofc mus 1 r each siynas of year .dose w the bar bWnce of each .epmsnl. Than a b add of she Earthy peiod, we add rp the ne.it. of drew dal ralcinerd at of- a you periodic bosom charge tar scn sagnea s. We add rip b rucne Ism each sipnws te anie a the teal "Id"" fNnoi large fief Yar+r itanas. To 9a the baryy b.WC. Is earn lpa.ti Dr Vott smwo, we Take Iha bepsserq bakms bt arch ToWnem std add any new ttemctiom and any periodic finance d - ralnbted an b previou di y's balance br that .a9utar - We Than Mamas any ayrans or hafts pos ai s of drat by them aaufmted to tea sepmss. TN. gives u b -farm daily be"" 1. each asgm.m of yens comes. 11-ti me, ft yen aid b New Bottom dawn en your peviaa "a.-% in bill I« if you new 6elahm wen zero or a cede ar.ohehtl. mw ttatwctiaa Which Poo to you p-hime in .pedd purchase sephwss am not added to tie daily booms. We mImAi ne the average deny balance by adding .0 b bay halances togirde n and ividsg tha sun by b m.nber of The day. In de when bafhg cycle. To calculate your a" lirheme ch.rps, "Titoyy you .-a. daily chance by the else, Paefc Ma and by I1. member of days in b biag period. Du to mundig an a bay basis, Thos may be it TOWS ioderim beusan tNs rJic"ien and the soccer of fiance din?. anmlly ssaees. b. If the rods Z s if app•as m tM bona of the containers nor to -Belays Roe Applied To, war raagly the 31712M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3;00 p.m. Pl. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. W3 Your account is delinquent. We want to help! ? t -4 To protect your credit with us, you need to make a payment. -4 We can help-but only if you call us. -)When you call, you can make a free check-by-phone payment Return your account to good standing. Ws up to you to take the first step. Call us! 1-800-479-7231 Capital0ne Account Summary Previous Balance 51,339.46 Payments, Credits and Adjustments S25.W Transactions 582.01 Finance Charges $29.97 New Balance 51,426.44 Minimum Amount Due "26.44 Payment Due Date July 11. 206.3 Total Credit Line 5500 Total A,-Hahne Credit S.00 Credit Line for Casb $500 Available Credit for Cash S.00 Ac your service T-0 Customs Rdsf- or to report. lest or stolen card: 1-800-903-3637 Foes fro oad 'o-t w.ice.nd sPeo.l md- offers, log oa to: Smd Prymoiu W: S-d inT'ki. t. Ann: Remittance Promsmg C.Piral One Swim C*w One Senes P.O. Bur 85147 P.O. Box 85015 Rid,mond, VA 23276 Ridunond, VA 23285-5015 F m GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 MAY 12 - JUN 11, 2003 Page 1 of 1 Payments, Credits and Ad*wtmems 1 12 MAY ELECTRONIC PAYMENT S12-50- 2 23 MAY ELECTRONIC PAYMENT 12.50- Transac6ons 3 12 MAY OVERLIMIT FEE 529.00 4 11 JUN CAPITAL ONE MONTHLY MEMBER FEE 600 5 11 JUN PAST DUE FEE 35.00 6 11 JUN PAYMENT PROTECTION 1-888-527-6904 12.01 -Your account is 90 days past doe and your Payment Protection rovaage has been suspended. As stated in your Payment Protection agreement, yaw a werage and monthly charge will be reinstated once your account is no longer 90 days past due. Yon may stilt be efoAe for benefits to be paid to your account in rasa of disability, unemployment, and death Call Consumer Membership Scrijas at 1-888-527-6904 to we if your situation qualifies fm a rbaius You were assmsed a past der fee of S35M on 06/11/2003 because your minimum payment %6 not received by the due date of 06/1112003. To avoid this fee in the fin re, we recommend that you allow at lost 7 bosineas days for your prgmess to reacb Capital One. F'maneeChatges rr atia a tinf w Pl?reserrevcxtidtlmr:an £ l A ? F ? a•g ?? ,?Srdsr l;tiAK L PR PURCHASES 51,36256 .07096% 25.90% 929.97 CASH 9.00 .07096% 25.90% 9.0D ANNUAL PERCENTAGE RATE apprxd th- period 25.90% V PLEASE RETURN PORTION BELOW WITH PAYMENT. T c'api"Ow* 0000000 0 5291151856361793 11 1426440012500926446 Ale eptvrw:6y.Jbrsr..J4.e-,w.;lr6mgv kb-.-W dirt-M,.4 i,.t New Balance 51,426.44 Minimum Amount Due 5926.44 Payment Due Date July 11, 2003 Total enclosed S Account Number: 5291-1518-5636-1793 saes APL t Gtr sec ZIP Hose Ph- Altercate M- &-3 AM- #9016337497863059# MAIL ID NUMBER LOUIS U RICE JR Capital One Bank 306 S YORK ST P.O. Box 85147 lslrslssslllslssrslsll rn Richmond, VA 23276 MFCHANICSBURG PA 17055-6302 Sul.?ui?n,ls?ln,ltlluliutliu.?lusllusllusllnrllra,l ?? lnsllluslll.u.lslnlslnllursllsllnnslslllnn?ln.?.?,? Please rmitr?iorv arswmr n.orkran yarc rLm1 w moary med., maltpaynbk m 0141 OmBamt sad nail is rdt endoted..WJgM F 0 2oo2 Capital One Services, Inc Capital One is a federally registered service mark All rights reserved. 1. How To Amid A Flame -9W t a. Grace Period. Yvu wi have • niieaam gmee padod d 25 days withal. fir- dP-dear- - bW._ Wamda' new .=,= mad .,.Ihw chsrpec H too pay t- Vaal 'N- BaimTw, I. auadrrm Wm tM kapreuM N"M lot Psyereas belo`r'. ands tine Im it m he reload by Y•t• meal atwsnnartt tdosip date. Thins I. - 9- peiod m c.sr adwcm eed +P•dai ,.-I . In +ddsior4 des 'd ro 6wu Pednd m airy Inemaction if you do nee Pay 1M tool'Wee We-.' b. Ammft Ft- charge. Trresdmr mdddn are m res 11 ='4. riod sm asemlA franoo da d dare tras.cdo or 21 Imm d. data Les trrr+edM b processed to you Arched or 3) from me fined aft dal day of Ihm rmam bMV Priori AdditirhadY. it year rid mart pay tM -Nev, Balms' from dal parmns brekq "clod h hd, (lase dram rarrime m aocrnd to your unpaid balance wag de urpad hairo Is Paid in 1W. T1:e neater dot you easy tei owe ir.a dspes, even if you pay are emim New Balsmz indwad tan tM from d V atmeremm by dea mass armanrerr doing der., bee rid t do m for tine irm-Amer made Npeid mares dwrom am added m the +p ibod" sWe am or Vems A®raa. t t. We-- Fiance Cl sea. For each bang permed Oat your acavua is tabima to a Three derge, • mrarms "I RNANCE CHARGE of $0.50 are beihnpaas . It Tire 1rai I-- ChrP -m-tkp Iran ee appfksalen o1 pow pedodic Weald is fame IMn 60.50. me wea sabers: tM +moaTt from dm so.5o miitrmt eed ad dU enure, are be bread ro tba pdceam.sepnhsn d year accotar. t d. TawPrmry nadrdGh m F OrrP- We mserve tea nipM wma a- teW or ail 4wce charges bt rely 91- 2. Average DW Balmer. Ikhck6rg Mme P,sdams4 a. Rents dearye I. talwnled by nsdtplyfng dal dMY balrw d emch .Prom of Yw scomme Is•p. raaih dvmncc, Pwdeaas. +P-6W 1-far, ad Wade! putdhame) by the prmePrndalg daily pea do WW W that hoc base 04 each My du&V der Nip peed, we apply rid day pedo I nM (m -Ch mgmem of your ecconar to IM daily nlsree of each aegr mat Than n the sad of der bOV panbd, err add tp the rorbs d I daily cek.Axd m mew m yw psriodc cease deep. it sack saprnter. We add hip the mJw from mdh smpnrrt ro anew an the slat 9 sr1 - ensW. eemgs for Vote occoua. To pat dada daily bal- fat each strip 0 of Verse +Usem see sak. 1M blei•rfn0 Manisa for east, melperrs aad add airy sew traest i and airy W dock ie rate da rg. rfd.ted m tea pamses day a I11- for 0. D.. we lame tebmc .may "yards r ""m i"W d s r fret day iM re allocated to drat mgrrrers. Title gh s as IM -Pa. daily blares fat a.M ••P^+ra of year aecmaa. Nowartee. H Va• p!ld der New Balance darn so Wee I meford L trm it ice for it year nevv bairns aros zem or • aedt teaeeadl, reaw trrstactrare which post m yms Pwdws or aim w pates spmems ere rot added tom dally Index- We .. Wsm de rr-W" daily bdrnar by ddrrg +a dal dally b.d.- wedded teed dvidrp the star by de eambte d The days in the winters MOM cycle. To calndata Yee total inanme dares, m.kO Ytea rii awr+pe daRY h.1- by it. daily padtdc m. and by rsmiber d Nye I. h bW g Plod Due to murdnp m a dairy basis. dame may be a sigis vane ae bereete, rids raktdattan sand Was maxam o/ rnatss tea W .Casey atdm+ad. b. If tea coda Z r N .ppe.rs m tM bar d dais swtmmm next ro 'Balers Rat. APPIbd Towe uwidplyy g o m .- N psdaee ere To obuir the .-raw daily ImIm- fm dre to i ; psddd caaerad by this sutrmed. she ate the begI b.G-.1 e.cr mpnam e.dh day, add shay crew tmre.entee s ssdn sapntea, .rhd rb[ract rn,rV- s r taerBm ba h code N appears m the frees th's styesars ors fee -6airrs eaters ApPeed To: eve also mMa ms raw antpald farce dares i cl ded it dal bstters d lath sapmr 0 TNs gives ro the dairy bdam;e of each Tben. we add up aY da dieY' bab- for each sopmem fee dea bnkv padod and Wed. by Tire wad rmiw d days is da b" period Thee gives m m vagls dear Imb rate d a+rlt sepsrr• 3. A,oa I Pray . - fbdm IAPRL a. TM tads -A-.a prumpe Rae' may appear s "APT mdhs beer of tk'd atamsem. Ir. It the code P IP * d• L (3-verso. 11110111. C ICeMieas of Depmem, 'Na irrds ? PPrime) eriodic miew. da p Nmam d QClo tares need rnnrmepte:2 ANNUAL PRI?frAOE MTES may wry spmrWy add may k stoma or decrease based on twe rand irrdcas. m fwd in TM WM Street ./ataK Pls A. smpin it-imdy dsdoad m you. Th- drnrpea M be a111M1w m tM Saar day of your bniy peed mwM by yotr Periodic awwmem errdrp tea mods Jame ry, Apt. July ad Octcbat. e. If des rode D Prbad. F 0- LMM or G 13- LH10R Repdood /AarrdiV) or m dea free of Yves cal""' sets so 1M pmadc m/eW, dea ps l ft sole sad cammiet gin ArNIIAL PERCENSAGE RATES rosy wry anaddy old eery irgoee or dacmase band m data soled ideas, ss fwd wt The WA Stmt jlao` L Pkd tM mesgs im imidy dmdo..d W you. The o danpes mill be MS- m fie arm day of yme bi q period 6. Amemasmt d eases. Omahas d Ralrauad Paymemd Fame Yaw swear Si be Pssssed taro more dhm two d tM fee r rated Moe /ban emd drip +rny dine peiod. Uadte IM rteteve dare dgir m tams d Wr o-W- egnemrom, me mdm or met me seas mey tam v4da i prim rrodicadan m Vao a ddaul mehig !u dgm w saes the sand or minder }}sseeas at ! Icier rice( S. It H a me p See appppea nm m the Gas is de te ears. per Mw 30 yw to days from rid cobs this anauaeem, , sn wave o I W Vo avid pa ma eke i! as ot Ww such e too paid. m you 11 you rand par sDrain dais id. wWb. d re yyr ams Mgrh6 m pyou may re ay Are m aths- - M y Lc To t -cow uC you ae?, you sae the and s ?r7? fltar Coeta' in in of Raimdma r V the ..-IPSSYd ydmPd led PdW le 6. H You Coos T- A-mtL You on Th- rep tNna*- at does you maws, by oars m Qsonmr Rdd- DepareateL Ys sa s dismay yme ahem -.W and m,osead asses deck L ranod sir fameafaessd NOV. msad Case You arsweL N y- do vet ceerd =.I. pr,rrs em ad tareider - your auth ." m neon yw sccoua. AdddsdL ywd.Caura Sea me be closed use Veto Pry air somas v- owed r krdudara raw lirramimd year home rdedrad, fire- charges, past due bro, o-IftO fame, art- "ymted tees, Cash sod- Imes teal may, rMt fees --.d ro your -mad. year man .espsnstle for These amours a tedw day appsr an goes saaos at the Ism you regveet ro rise are .®sd r an re roared rbsGrsd m yaw rcpeaa m dse tae acseean. TNS may m as kh atarm. +m-don ea peer arson ear you Wee your atxwaa N in hs shady bem clams For esampe, she if you mdnrbed a pwdrmee from a rcerdum and receive dada Were tsiM (soar the mrrlem efiar your t-mr s has been dosed, parr .x -11 he reopened. The sewn at the cage here be added ro =:C-L. u hr be amporedale for paymam. It I. a rrwnhbtestrp Is fee pare ao:otrmt, the fee are ct rairm to be degad, n dta sawrt pemtilred W see, in kAl ms deuvesur btdCa he ba paid *r. 7. Uee Aawrs.Yer Cad r +cc.ged Cannot be W= corarectian maid, airy imenar gambling 6. Native Ahead Ded.•rs Dead Cwnrsion. WMrh you Pr•oda a clack a pay- you sutWdz. m eht- to nos ido,mrionh Loa Yves chock to make + era-time asorortc krrd tmrmsr from your balk mzwrd or to P' dre p+yrhter s a clack Ise Cd-. Near we two isle martm kdm Veer clack or make an deanriC kad Irasfte, kmda ray be widrdravm I- yoW bank -W and as son a dada ante day we mcid- Your ye o" receve yea chock back /ran BILLING RIGHTS S11aanwRY (in Cam Of Fivers Or Ques ianr Abou Your Biel If you think your bea I. era ors r if you reed more khtonnetim m a tmneass- or bill . write ro a m s s."rota stag s mom s pomaible at tea add,- for krgiides dram m de from of INS summers. We armor hear from pan s temr dam 00 days her we mm you tM Aran don wlddh dhr error r pMlrn appeared You con ui ow Osv ridAliesWa. I. I. Vwr weber, M so lore maw Premrvo your leer, give - r dr r, he dollar ado eut suon d de re te ores arxvrrr minbw oes. If l tea rms. • d tears of he e, aM s. orI%eisq If ramble, of Wr Al y yoo bof the tl elieve Them is m or H you seed rave idrma.on. a tlesvipim of the item you am Warne about. year do maw Mve ro any arable in gIN11on weals we am Irrmo igatag a, bq. you am rare obipstad ft pay Was pads of you bid Out ad not in queriorh. 11n$ me am-migirte yam queart , ewe unfit mport you - danmemar r tahe W action m collect tree a- veer Ti m er- i,t Special Role Tar Cads Cad P-h- H you Mw ! prakds wish the quality of pro"ay or --m due ys prwdrsed Writ a credo card arid you ham Idd in good Isidh m correct dare paMem wah IM mamtarl. too may trim de, rigid M u pay the tem e-V sa otms due s tea property r -acts. You bave Ihis pianacdorl or Wan da prdum faits ern here thm 650.(x1 teed de 1tWdre w+s rorde in your home are or virfir, 100 seem of yor main address. 1H see own or te tM anerird, r H me imbed you The odvpera..= for des property . services, .0 Pmmclwmes rayed imgwdes d moos r srseim of Purchase.) Pi- rrntenber m arse tl Cariesporrdoihce. t Do- not appir b non-cmdr/ Cared --ft t toes not apply ta Droamsc cow-o.dl card aacvrarfs C.Pkw One stasro a iodmium ton Privacy prwectieer: me or mibaire apWiwre.Carrr. eserved 0 Pi+i Ohre SEE tpotarive_ AFB r brads r ° 2? Capital One OILGLBAK 31190M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:DO p_m. ET. Payments addressed to our Washington processing center must be received on a business day by 3--OD p_m. PT. Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. 0r9 To protect your wi make a payment creditth us, you need Your account is delinquent. Ito We want to help! -4 We can help-but only if you call us. • When you call, you can make a free check-by-phone payment. Return your account to good standing. It's up to you to take the first step. Call us! 1-800-479-7231 of"roa Capitalcw GOLD MASTERCARD ACCOUNT 5241-1518-5636-1793 JUN 12 - JUL 11, 2003 Page 1 of 1 Account Summary Prevmus Balance $1,426.44 Paymeoq Credits and Adjustments 51250 Transaction 570-00 Finance Charges 53716 New Balance $1,S15.20 Minimum Amount Due $3,015M Payment Due Date August 11, 2003 Total Credit Line SSW Total Available Credit S-00 Credit Line for Cash $500 Available Credit for Cash S-00 At your service T. e.ll C--- Rd.tiom w to'rePott .bat or atolm nrd: 1-800-903-3637 For bs ordine .swot servi«.nd special antomc obfe+.la[ m sa w.?v.eaPilalonecwn Sind y r-,u to: Smd inquiries to: Atts Rmuttm« Promvne C.pital One Sersim C.Pit d One Benin P.O. B. 85147 P.O- B. 85015 Richmond, VA 23276 Richmond VA 23295-5075 Pay.ts, Credits and Adlsstments 1 07JUL ELECTRONIC PAYMENT S32.50- Transactions 2 12 JUN OVERLIMIT FEE $29.00 3 17 JUL CAPITAL ONE MONTHLY MEMBER FEE 6.OD 4 11 JUL PAST DUE FEE 35.00 You were assessed a past due fee of 535.00 on 0711112003 been= lr t minimum payment was not reexived by the due date of 07/11/2003. To avoid this fee in the fimacy we recommend that you allow at has 7 busnew days for your payment to reach Capkd Ox ia n FinanoeCh.S. Plrsrcsarrnxrnndejcrimped-dinnfi, ? rru ? g CHARGE ?tirdi rde N PURCHASM 51,46[62 .07096% 25.90% CASH S_00 .07096% 25.90% 53716 S.DD ANNUAL PERCENTAGE RATE applied this period 25.90% ? PLEASE RETURN PORTION BELOW WITH PAYMENT. CapitaloW- 0000000 0 5291151856361793 11 1515200012501015204 plG?p.mr.?f»y.dim? .-.adcdySe kl.mm+nd 6Lr wh/mti.k New Balance 5151520 Minimum Amount Due #7,01530 Cant Apt e Payment Due Date August 11, 20M City sa.a ZIP Total endowd S H- Ph- Ahmeu Ph- Account Number. 5291-1518-5636-1793 Esd Add- #9019337497863056# MAIL ID NUMBER Capital One Bank s a I I I l l I I all 1 ?. LOUIS U RICE JR 306 S YORK ST ro 1 P.O. Box 85147 t u u a u, MECHANICSBURG PA 17055-6302 Richmond, VA 23276 Itelrlrrlir.rlttft..ltl{till..allertllratllrttllr.alla..lla,.l "- Ira.rllla.alflrr.alrltalrtrrll.rr.Iltll.tratltlllararlltatleirl Ptra c :mitt ymo-w-d --berovy-ebemt - --,.y order madcpvlu kte c5krd oneBamk sad sa.zl is rbr eauiarrd o vdope ® 2002 Capital One Services, Inc Capital One is a federally registered service mark. All rights reserved- 8 0 O n r N -..W dAY bafanor peousifia; me. To obuirt, S. for bipap Period covered by Oft assesses, , wetake T we baysicp balehm d each +•, each day, add arty new rrrrarora w rah soars, and anbtsa anypayments or case ts. (a to rode N appas an to from this awwwa read As'Bab once Res Appled To: w also subtract my esptW fiwho. cheeps Ir.A ded in the balance of each I This pros rs is duty b.1- of each snores. TMh, we add rq ad is daily balscw la arch sapshas for ols baling Meta and duide by to tow ranber of days In the trfiiq pained In" Oka es the vespe day bolarhCo d sedh aepmhss. 3. Mind Pecamie Bmas IAPRL a. The than -Awed Pewrdage Ram_ may appear as .APW r the fees d die Nussd- b. If the cads P IP". L Q-md LIMM. C ICem)fimle of am. sdtsl?` (Prerecord m - 0 Pdmd appears an, are from of rates red mneyshdia9 ANMIAL P91CENr RATES may wry ghrbdy and may rums a dea.ae Geed tits seed Maim, s frond as TA. Wig See( J -a fbs star magn Measly dadsad as you. These dwpo ell be eaecds sit to Am day of yna being period mwM by Visa Posladc a.sse s aMng in the seeds .Mary. ApdL Judy and O."a r. c. If cis code O 0-dead. F V-no. LMM Q G pyre. LIBOR Repriced Yoaft=-=. be from d ass nateset nm>• is de Padddhc sac and crrespehdng AMNOAL PFIIC9rrAGE RATES may ry morsblY seed soy Ycasase or 4aease based m the y rued ndims. erg food n Tea WAN SYee -krumat plus to wean prwale+Y decfesed b yin These dhanpas dledire on the feat say d Yea e?aV period wile A. rah dmndt 6. Assaetsed of Laos, Overfra t and Resumed Payamet Fees. Yam atmtaa eri be aseeaed all coos rise tw Of are fees fined tee tat Batt sing arty bihp period Under the toms d your anohaes agsr:riert, w aaa-t d. rye to vhmve a set b saes say fee wtihat pda shiira ion w you wQhm wring sir rigs se times the ors - similar 5.}}esess a . mYes a the. am-. on Assess. R saaaedip ha ,X Area pandder the no rise s tlis two sbwesrt, eVast at haw 30 Gtr - h- such acid to you to it ra.dosd w yea V e da Ir a ft haw rah r i1 you s concel Est epos a®s.A Os bt is periaq Wu cosy r?e ni rA your amonm urAlc r a. you b pay tha ats us by fee. To your ato coo.t. yea mss malty y?er :.P.; ed be to w.rdu&V rdre -Ifirrif ass Cooperate D"emseerr mrnbedsptad Inter b the sod d de dhirayGy traded. G. a your chase Your Aam.d. You ban asgam w cow Wyosr sbsue by t>iq W fleaahr RnaMOrs Oepamaert. You nos destroy your croft Cords) red moot souse dmds, oa-d erg Pmadrrfted blikV, and teas sax aes. my- G not vital hshgiyVaa eM caaidff . do dsrge yar edwdxatsh b reepm Wa Pr emits. Addidened y. your aooue coil sew be deed sal you pay erg ',moan yea low es ndedna aay traraachios you hate wsh.&.d. fiwhm carpet, past due fees, mefwit fever, sawed parse. fees, cosh .dvarco tar and any ceder bs asse•ad to yea aceoula. You - responsible b der • areaef -~he' they appor oar Vour amanr as the dos you span w does are eaug taw rbay err merest mboepss to your mepad w der tha acmes. Ties sry awn e rdusges appoabV m yes! -Tut-" yar_Wre _ your amour if It has steedy been dined Fan eanpre, d you s derised a psddus from a merchant end w rmxiw the tr.rsaoen bore the rardam stiff your emaae has been dosed, youit -awe wN be rwpened. the oneh.e d the aurae U ff be added to your amount, andyau vhr ha e.epadhle fa paymers. M tine s . rsernsbeashp lee for you seas. to lee wR evens ran be dapd, to the ease t permitted by sew, ue0 it. account bd.- has been paid in to s defined above. 7 Using Your a---. Your cord or actmmd coma be used in case .0- with any it"- 9-bW V --dons. e. Nr s About soma is Chook Canhsmah. when you provide • dock r Par.-*. you mshodre w alder to use nlbsario r Mom your chock w make It aa-tme daavori. tad treed. Mar yrrr be* sm nea a le Preci=== s a deck trrsecdon. Wfan ee ass Mom you deck to make on electronic beef moslsr, basis may be widhdaun Iron your beak aceanre es seem s the same day w rsdw yam paynws, and year vA rw samba your dock beck from yam financial irodaus a . BILLING RKINrS SUkOAARY (in Case Of rases Or Ousdos Abase Your Bi8) t you deity your bil is woo g. or If you reed more edormaen on a twhrctah err 6R, .ft. w ha on a saps rm does s even es Pvwlble At the adds for ingciries !hover oo it. brat d this tdranera. We moat heat Iran you ca bees tam aG days arse tea SM Vou the kw bill m vdiclc the ass or problem opposed You can cal our Creaser Minces number, but doing s wa nor poserw you dohs, n year fates, pro w the fefownp famed- yea nwhe and aR.asaa number. she dollar amount of the suspected ass.. description of the seer and en aplwtan, If po..Us, of I" you bees- vane I. an ara; a If yea seed ewe edosmdwn, It d=01, inn Of pro from you as rea.e .bmA. You G sew haw to pay any amount I. quaintest wbae w tine invssupnno it. but you .a ate staggered as pry the parts o1 your bR vet as rat kn gusdm While w imsmigate your queen, w rams ?s yca or taroro my anion to Ceeem the you as debruprons tSpecial wile For Cads Card Prudar as If you hew a poblen mid the rituality .1 property on howl.., tea you purchssd wrh a each cord and you Gw trsd in 9.ed blob b carer to problem ndrh -he mareist, you may tiro the dept nor is fay the ameicirhq must plus on the papery, a aarvimc You haw this pseradmn any Mss is Modes pace alas use tun P50.0D sd dr Modes es maG In your home nets or within 100 cages d you ohsi< - addea Of wan owe or opens m nerehsnt. or a w muted you the ,dvertaamws Ter ie pmpeny W serukais, an purchases co-and agsNss d amount or location ef Purdu,e.) Pleas rewmbar as sign me correspand- t Does net justly b ooeswnc eon-L*f card --W. t Does not app/y w bares all eeff -d aacnaars Capitol One supports Ir"M pion pri-Y po..f- sae our wvrrr.eapsalonse.mm. ewb rte as ia Fhehdal Coporarsn_ AD tiro r. moved. mark Z?ghat p C.Phd One 01LGL.BAK 1, lbw To Awe A Fee -e uarpa- t a. Orals pared. You Wa Mw • .Mirnanh pram period of 25 days withou firhee dwge m nreev padres, hero Glass marales, new special Wdssea rd rxw ease Charged: a yao fury your total 'New IWanm-• n ocordree whet the uepo eo Nafm for payments below, and in bee fa it w be c.&ad by your cash mrat stanspeor adhmcas date. These, is m d I oned.s.. In "Isttro n, these is r once Meted m ray rrannasn If you do not pay to rod 'No- ' balance. b. AnaukV File- Charge. Too-Okes vrfida am rw sbjsa to • gram peril aaseaed Lwhus d 11 flea led It of tha trahr... uehh a t"hor 3) om fun the Fat talerdaar day .1 " chrnr bRnO Priori AddtiaunY. useased- ayou rid rat Pay it. -Nero Beahhm- Mme tie prehiaee blsesp Pried In b 1. trhrm carob mmin a to stuns to yes unpaid buds uW to unpaid betenm Is Paid in full. TN. ruses due you any sti owe irwroc darypa, own if you pay to sate New BsI- Mad itW on to from of yen dRSsrd by to roe aelernhart dosV des. but did rw do s for the perms maah. Unpaid See- charges are added w Ilse sppRcoble sepmaa d your AMmut. t c kKar yeas F Careers- Fa each bWm V period that your amaea 6.WieC b a fiW cape, • mllilIf term R/WNCE CHARGE d so roll G reposed. Nis tad ewes crepe -Limp from rha appgcar!on d yea pesedp cooed k lea than A.50, w ve7 sited tat soon Moe the f0.50 mbd*-- tiro dr eieerehm rw be Need w the Mac a- wpnsht d Yohd account. I' d. Tspene y Rabne'sh n F L7waa- We reserve the brpWSept not ases.a orhy or ef 5-- dupes for try Over 2. A--W ? Dai emrwm II I If hg Ns.v P-hosal. a. Rliao cape is ralaleted by rdtlplyno the dairy bal- of eats sgwt d your wearer (e.g.. mmh ad.-, puere, spodal tresrbr, and special p m hss) by as con pending defy pedal. r-W tfw has been 0. bftq Ypadidsed to YML At it. sm of each ded, wear apply U. dasy petod. me 1r each separate of year seines to du defy balesm of each aapeed. Then on the ed of to billing; pared, w add hp to reels of tea Ga ..lalstioua to aniw n petodc fsurro. ceps for ouch -111 re. We add up the reels fee each •aP"er• w arrive a du rod P.todc tsrae chaps fa your amount. To go she dolly balance for each aepssse d your account. w take to be&N*V Glance Ia each man sad odd any saw trades and any Mpesnace fire carpe calc lated on au pevds day's Gleam lot tat sapnas. We den sbuaa any payments a oedts posted as of that day that ro allocated -dart :press. This gives s me .epore a Giy balms fa -Ch sepmet d yesx scrams. However a you paid the New Bslrcm alarw m your pieu ae selasnt In LA la If you raw bdras nm taro a ¦ sea. - !seas). raver tmssdios which pee w your Padua a special pules .sorrow ese na aeGa m tr Gay balancer. We calolns der sveaw defy balrms by oddrv am the defy bmarsee togslsr sad - "' n to ova by m render of the days in der tarnutr Mono eyes. To mlolare your tad farms rmdrVlyy you -wings daily belence by the daily W= me tied by de n umb.r d day In the bRIM peed Due to hwhdng on a dairy basis. tea my be a dIg a -leers Gtwes r this mlPlalan -ed to amount ar fnonm corps eclu.iY erased. b. If tha code Z Of N appo.u m to pas of tails ratanea next to 'Bmuare R.ta Applied To: w .abiply the .. 27327M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p_m. Payments addressed to our Yaginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. In3 Your account is delinquent. We want to help! i Woo- -4 To protect your credit with us, you need to make a payment - We can help-but only if you call us. When you call, you can make a free check-by-phone payment Return your account to good standing. It's up to you to take the first step. Calt us! 1-800-479-7231 or" 102 Capik-310• GOLD MASTERCARD ACCOUNT JUL 12 - AUG 11, 2003 5291-1518-5636-1793 Page 1 of 1 Account Sun m" Payments, Credito and Adjustments Preview Balance x151520 1 21 JUL ELECTRONIC PAYMENT f12.S0- Payment; Credits and Adjustments $25.00 2 04 AUG ELECTRONIC PAYMENT 12.50- Transactions x70.00 Finance Charges. xM-07 Transactions New Balance x1,59427 3 12 JUL O%'ERLIMIT FEE $29.00 Minimum Amount Due x1,09427 4 11 AUG CAPITAL ONE MONTHLY MEMBER FEE 6.00 Payment Due Date September IL 2003 5 i l AUG PAST DUE FEE 35.OD Total Credit Line $500 You were assessed a past due fee of x35-00 on OWI1/20D3 because your min'nnam payment was not Total Available Credit xA0 received by tax due date of OV11/2003. To avoid this fm in the fut rr, we recommend that you Credit Line for Cash $500 allow at least 7 business days for your paymem: to reach Capital Onc Available Credit for Cash x-0D At your servke T. nll Customer Rds6orm ox m report a lost w stain -&- 1-800-903-3637 For free online soamrnt senim and speed arstomcr off=, log om te: wuw.upitabnecom Sod psymams to: Sad ingoirie I. Attn. R-ft-Promsing Capitd o- s-;,- Cpit.1 0.. Service, P.O. Box 85147 P.O. B. 85015 Rkhmomd, VA 21276 Rkhoi-d, VA 73285-5015 Important Amount Information Did You Know? Capital One offers more than just credit cud products. With more than 47 million accounts, Capital One provides valuable financial solutions- including auto buns, persooil loans, CDs, money market amounts and more- to one out of every three homes in the U.S. FnuneeChuyaea P4at,amrrv sideforimp-uwt.?rrfarmaiom gry6dtor ?g LISA?IiL PURCHASES 21,54&77 -07096% 73.9196 534.07 CASH 2.00 .07096% 75.90% t.on ANNUAL PERCENTAGE RATEapplied thisperiod 25.90% ,, ? PLEASE RETURN PORTION BELOW WITH PAYMENT. V Q30"OW 0000000 0 5291151856361793 11 1594270012501094278 New Balance x1,59427 Minimum Amount Due $1,09427 Payment Doe Date September 11, 2003 - Total enclosed s 1 1 AccountNumber. 5291-1518-5636-1793 Pkarprmr ar.Fmgd*-all .-n+drdoYa k1-rm.ZH. a Kid mL Srax Apt 2 Gq Sur 23P Hale Phme Ahermr Pli- #9022437497863059# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 I I I I I I I 1 II eV 306 S YORK ST rsr urrrnn r Richmond, VA 23276 ° MECHANICSBURG PA 17055-6302 0 Irrltlrrlltxrltllr„Itlltrilttillrirlltttllrttllrrtllrrrlliiri Ire.Illrrrlllrrrtlrlrrlrtrrllrrrrllrllttrtrltlllxrrtllrrrlrlrl Please ruiteyosv acmunf mmrmber om7ovel -t m -y -Ar smmdepmlmbk to Ckoitd Orr Boakamd mdl ice L8r emo6ird emwlope. F m 2ou2 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. t a. limes Prod. You VIN Ww . n ea- Who perod of 25 days GithoLo Lrerce ,rtes pre new ptedewes, row Wlanca traMam, new spsdal pndvrsv rd rose, erred W pss It Y. Pay y- mtal 'New '. 6 acrdanra GArh the krpaners Nsits for pry rKns blow. and in tiros [or it to be eeadted by vote met ..elossa s dosirq dim. Than If ne g- plied m cash advwK°a and V." lvof.m. M ad6tsn, mr le - Waco pad°d on arty trasapion if you do not pay she steel "New Wlen.' b. A.sokq Fit- Orge. Trmadites wNclh an not ==.9 asa 21 isrtce Wtys 7) dste dr of she vaascdm se a 21 Iran the tnrsedion 1. paraaed M yet, ACaten a 3) 1t.,n tha first calendar day of the rotas hiPih9 erased A,ldrroruNy, H you rSo not Pay he -New BW- Iron tW P-ias bW6g loafed o kol, A-- ch qW Curiae, M doer, b yaa unpaid palace toss dr unpaid fader- Is paid in klL TM. seers 1WT you ouy lei owe tiros- drapes. even rl You Pay lha rain N4 BMar° ln6rand on fed Is of of *it n?do ww b-treypeh+ouc rnaaR Urpas' forres? dvrga .r added 1. the epplkatle deers of Npee AtxOLoC t c. M6iren Fi lases Charge. For a..h blbq period that your acrwa is s6iea to a farm Wee. • °rik- fetal FINANCE CHARGE a 80.50 vA W inie.G.d R tW total firearm charge t..WYp frog des applo010. of yar penbdc wool I is Iess than 80.50• we aW rand ass erom"a iron tW $0.50 a"- and dK difleaee VA be blood to Not PwWa - of you a--a. t d. Ts„prsy Rad""Nim 61 laws dads. We referee ale spa topnnn6lanaa any a all firs-st Wrga Ia any given 2. Aurege DNy Warn Ikasrdiq New Aarauecl- •. fi estot charge is cafndaed by vadtplyYq are only b.1- at each :agars of Vets sc Lon o-9-. cash edhanee, Purchase, al-is 1-11., sed "pedal pdrdtaa) bV tha corseROSedsg ddy pedodc -.W Ow ha been peGiotesV dsdosed to you. A the ad of eadr day during the ball^g Pariod, ws apply ms only ptedodic eau far each fCPrlr d Yele ifS.LoK b dK dnly bale- o} It eoWpen. Then n the end of she h7sq priori, die ado tp the realm of dose dally Wodadav w aW- n ? r wn bonush Wa Gonee atad_ . d to A P-Wc ahano W,ge Jar yoLo amass. To go dal doll tr' bsiase Iw each abler of your eecous, on fake dte be9°eenh0 dace for each wears and add .v rret trelewl"6nr and airy ppssniadc f)nrce ds.pe cakadated m the pnev6hs day'. Wlanc?t fa that aepnas. We dot aclsrad fry Pay tens or credits posed a of that day den ate afboled w " leperon. Ttds Nines es do opal debt' baor- la each sop Go of Veto moons. Heavens. N you paid got New Balance sown m Vote presias aaaaesn in kW la If Vote new bsmcs vas tr a • accts ,eras), cow P,:=r-= r your peres s speetd .added fa the diy bdaces. We calculate are ---ge daily boa- by adding all be doily balances wpeltrr and dv &V the ass by the n tuba of the days in the arrest filling cycle. To calculate VoLo tots range aubipfyy yr .wage dally balance by the tfiy M=;01. and by lha rea.be, of drys in the along period. Due to r-di g m • deal bads, torte any be a dips valance between die osda»m and Os motes d f-- W adtWly sawssad b. If the coda Z or N appears m tW fro n of leis sssnew rKxt to 'Balance Rate Appled To; we sedtyly the g O n o N paiodc . To detain are a-.w dolly War- ter dr bWSg period covered by dis atsasnns, we nke dr tKw b?isi. Morse W nod, asgass each day, add any ,.ova ins b dadh earnest. and lira., aty wymemf or oedss. Of " code N appal m dte seen of dal awernees nee to -Bob- Rest, Applied To: war Lobo subtract wd?ryrLosass, fierce deetge iidrded in the basrce This gives - d. oapn,er L TCZ yr add up .6 ,W dst? 1- Is end, soprews fa the hal" laird and Qiwde by see tsal mseber a drys in she bW.9 perod Tku pees us the average dolly bslrce of each agars. 3. Arad ?reraaga Not- IMMI, .."not tea "Mod Psrasest Rae' -Y -PP-1 ac 'APR' M say Into .1 di reassess. b. O the code P pruned. L (3- LMM, a ICanibcata of Deposit). s s Ba to d Pappal an Not Into of ,his cost eneas nee a sal potluck ssteW, uK pariodc sees and daaasaip ANNUAL P9M1AGE MT6 rosy very pa si dy ad eery iroeas s dao°ass based m the stated Italian, m Insist In TIN Htnl Saved Jomv( Pbs are stagse pares-Iy disclosed te you. These drrges wed be of-%- m as and day o1 Vote Eakq petlod coGSl, by Veer pedodk: satersas endnip 1W sash Janney, Aptt. Jay and Odoba. c N ,W code D 0 Mosel. F 11 m L11MM a G r3- LIBOR Repd-d M m dr hen of V- anmss w ad dP=are P.- eeta and core psudrq ANNUAL PHaLBEFAOE RATES stay very soeday and say fricassee s doodle based m tW seed i Picas -Inn, 6 TA. Is4a Swear J-4 plus .he -Mpn padasiyr disclosed w Van lteaae drges wed be offdee m dal fan dry d Yrr bitq D°rlod 6. Assem°cs M laud, Orrfwl sel Regreee Payee Fees You accaatl vi be assessed a rare der use. 01 the foss rated hoe dw aceser doing cop ailing p°dod. lord, she tenses d year oeatarer .pears, - Tana are dpa to eve a rte assess, any foss aNsa pdor rrdfiovon to wnbotn wssing are low w dosed the awe at aimed, a a hear tkrea. 5. .aakq Y- Acaas. H a no-beddp Me appears m the bra of this sm-on, Van War 30 drys tees are data leis arms ens stied w you to avoid Paying due 11- se w Wa s sit W C-NW ,o V- e you rarhnl V- agoras. Dhaing *is peeled. you may assess re use yarn acmrn GAmen W drop to pay Was nrbersip Its. To cared yea acct ea. yea goes mdry N by daiq ..a C- Raiedente Dq-t- d and Pay New [Idace' 6 ka leerdndssg the arMerahp fed pdw co sal and d 0. ddayday, period 6. n Too close year •G-'r Yet, out eegoeat so doss yynotaa scour by .= ote pesostsr IMadons Oceas. Y. des density Veto cads c dbd feed n aecova sons sheds, oarul nl pwadaidind Using. and oaa t.lnp yw. ,saes. N yso do no cared phasslnrizad bw?bra?gp srtarhsaera, we vi orsiytdroorr. ssdp, d ¦ drops Vets atarstaaor m no?seJ= .,rood. A k*Oo.Wy, V- ¦ feas ell m be ,GdI Va. Pay as mwa per sro N sWdGq dry veevacdom you lrva astrsed, farce ,frees. Past due fins, owdrai, fear reined Pay-, era, cash advance Ica and leer other Ire a-..d te Vets ccotea. You .te sapanakls era drat Gate to vA rd- 11'" ppear m Vote sooner st dos: tin you tests to don dos assts w dsy an boosted sWS.quass to yst. ,spas a dose dos amass. Titis ran daub 6 deeroa .o.aias m Got. ,mss olio Vast Wa your accotGS If it h. already bets, dosed. 1-of enaeeprn, a you s,darind a p,wdvae iron a merWnt and we wive the ttaradon from the -.to. also Vote aaasd has bar, dosed, Your accetGn in,W be -opened. the senators of nd you Geed be e charge GA be ad tied b Pa ray.- n tosses 1. . nesperafee rneanbeeshiD lee fet Vote across, the fee of core - ,o be W rged, ro Ilhe cots pemrdted by law, tnal the agcous teals,- hss bean paid in kill as defined ebe- 7. Using Yota AGGGIACYote tared a szwa carrot be used I. --.a- e&h enY Heron garroting trrsadbrs. B. N.tise Abend Eloaft- qrd Cpwraim,. whah you a ,rock a payneer, Vote aW Vr¢e a aidta w = do use 1nbanion iron Vote Wck,o mete done-,sine siadnoblc knd Inns, fosse yon bank ag9ta a w pnxosa theps an as a dud m saeam. Yrleerh we use infomm?lm teem your Chat* n -ke m dectmric had Inaler, bads stay be Woos wn teem y- bank cues a noon a the same dry we n+.abGe Your iKY°?n^1. anted yell wed rut racaiw Vera ,heck Wclc from your &andal ilaitehh. BILLING R1014TS SUMMARY fin Caw Of Frora Dr Ouesona Aber Your BM It you Ihaek yore bail is wmrg, m N you need sae kdo o den m. tvaacs s, or bed, Grits w os m a ..Pane 0.0 as nom as issesibb s IM add.ss ter 6GLoefef anew on the Iron of Oda ssarr. We roman hear Irate you no later than 80 day. airs we sae you the firs bed m wtich tW arts or problem appeared. Y.u on rat r pawned, Notation t-ilea,. bs doing coo -N set prow. Your 60". In Vow knot, five w dK funoviq Ghloressid rc Your cam. add acros,t narber, Oro dollar ,mast of dr sepaaed areer, ¦ deaerpOOn of fat errs and m etclarutim. If possible, d IWT you befi.- In.. s m arm; o, It you used moo kose-don, • deaedgian of due bar you an awe abm& Yau do ran haw to pay any ,moon 6 prsiun vhsdW - are sewsipnig h, but you an aW obligated ,. "y ".pm n yon bill that an rot se prefer WIN. - 6vesdgste Vote Woe en, - corm de =-" a mks any anion to ..Neal the ==r ueaim. t,t speew Rode For cram card R-hasse; B you have a PmMr with are easy of i n i,-y s saraiaa shot you prchased Win a -M nd and You have tried in good bath b darn, dr proes s eat he mndevs, you -y have der figta tatt to pay the ter-ins. aeroa due m tW pmosty a .nnio- You have IN. Protection only wore the ptedrse Pdca war son Than $50.00 aed the pud»w war sunk in your he- ream m vAddn 100 miles at YGoG nvlfmg address. Of we sets a opeore Ov n ndem, a n cow stalled you he Ktmniwmen for are prprty or earGices. M pmdea.f ;:X==1M11 wren a loutish of purchase.) Y -.spends-. t Does nor apply b cpestans a__.* call a._m t Does Got apply re, budsas ,hmcr"dn cad accoows Capital pre eLopom irdo-im pdwcy potecflm: see are GRbste a wow. tam. mee servk of Capital CaPbs One s a rdY newer, Oa Fnendd Capmnien. All tipsc raeered. ° 2003 Caporal pre O7LGLBAK 26072M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p-m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT- Please allow at bast five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Your account is delinquent. -4 o To protect make a p your credit with us, you need tt. We want to help! We can help-but only if you call us. -4 When you call, you can make a free check-by-phone payment Return your account to good standing. Itts up to you to take the first step. call us! 1-800-479-7231 CapitalQnen Account Summary Previous BalatYe $1,59417 Payments, Credits and Adjustments $.00 Transactions $70.00 Fimace Charges $36.09 New Balance $1,70036 Minimum Amount Due $1,20036 Payment Due Date October 11, 2003 Total Credit Line $500 Total Available Credit S.00 Credit Line for Cash $500 Available Credit for Cash $.00 At your service To ca Cuaoma Rdstioa or to report s last - tj- -& 1-800-903-3637 For La odine aQOUnt awic and spend a,stomc ? . log on to: viw.ve+pcdo,KCOm Send payments to: Srnd inquiries to An.: Ranin-Pmmsing CsPitd One Sceias Capitd One Service, P.O. B. 85147 P.O. Boa 85075 Ridhmoad, VA 23276 Ridasosd, VA2328S-5015 Imvortant Account Womtation Capital One is it proud sponsor of the 55th Annul Primetime Emmy Awards Telecast Tune in Sunday, September 21st on FOX from 8-11 pan. ET (7-10 p.m. CT) to see the Olent you've enjoyed during the past season unite to celebrate another year of groundbreaking work in television. Capital One wants you to be apart of the /x^t rnend Checkout Capital One's ad in the September 12th issue of People f Magazine or visit redcarpetweekerd rom for more details. m e G01D MASTERCARD ACCOUNT 5291-1518-5636-1793 Payments, Crefiits and Adjustments Transactions AUG 12 - SEP 11, 2003 Page 1 of 1 1 12 AUG OVERLIMIT FEE $29.00 2 11 SEP CAPITAL ONE MONTHLY MEMBER FEE 6.00 3 11 SEP PAST DUE FEE 35.00 You were assessed a past due fee of $3S.00 on 09/1112003 because yaw minimum payment was not received by the due date of 09/11/2003. To avoid this fee in the firbwe, we recommend that you allow at least 7 business days fm your payment to reach Capiud Oisa FinanoeCharges ra t i aJw Pkaseu reu e5ukforimfortaa ardi F j ? ? ] >. Wis. dPR CFiAARGE PURCHASES s1,64o.86 _070%% 25.90% s%.09 CASH . S-00 .07099% 25.90% LOD ANNUAL PERCENTAGE RATE applied this period 25.90% V PLEASE RETURN PORTION BELOW WM PAYMENT. T Capitalow, 0000000 0 5291151856361793 11 1700360012501200368 New Balance SL70036 Minimum Amours Due $1,20036 Payment Due Date October 11, 2003 Total enclosed $ Account Number. 5291-1518-5636-1793 Capital One Bank P.O. Box 85147 IeLrLJ,IIeiL,liill Richmond, VA 23276 LrLli,1155,1516,il,lliillteillieel{nil6iilleerlLiilLetl pay p.int..:AydJrm wlL.-?idmjcl?rbmmi..s A/rewdia?i„1 Sa si Aps N C+q soy ZIP Hose Ph- ALas.s: Ph- . Bod Add- #9025537497863053$ MAIL ID NUMBER LOUIS U RICE JR r 306 S YORK ST ii MECHANICSBURG PA 17055-6302 so ro o le.ellL..IlLetoLleeleLelle„dLlLte.,LllLriilLttliLl Pkau smite ynrc aaaiarf aaabo our ywcrbacF err aunty order modcpaywb7e to Capitd On[Bm.F and mail is the ®abrrd eavelo?e ® 2002 Capital One Services, Inc Capital One is a federally registered service mark. All rights reserved. 8 0 0 p"aftmrrak-O To obain the ..cups dolly balarm M the .r- of - he ?heyr+ volt Koh sapnae .dal add any teal --ohs an to each -M - oral tee as my pmvamna or oasis. M de tote N appear on the from of this state men rem to -Banes Inc Applied To: ere M- sablrea arty urpaid fimnce drape fnduded In the Interco of fads Kpaaaf.) This gives m de defy md.osa of each Them - add aq .1 me daily WIKKa M e.. h prima for do bW.V peeled ad d.ida by do UW re.hrba d d.ys a dhe bllihp pfdo6 Th-s pal - the vempe defy b.hrrct of each Kpr.eat. 3. Amd Prermpe Resea IAPRL appear as 'A ism al. ft Ps1 Oftapf NNe' - a. 'APR' od e Item l, da are a. D P. de P Foetal, L . LIB ORI, C el of p, If On - dft Grnnt - to 1M Panel m1wens on GB weed, ee ift font d War .0 mnKpond - AMUAL PERCMAG RATES may very, tpanerly ad may i-maae or deeere based - tie Weed indicts, as load o Th. WAN sleet Jnrm& pit- tie aergkh preaiaely dr.dcead m W. Thee congas win be efftcd- on do ire day of V- Wiine perfad mead by your ped-ft a ntemem andrrg ih de "sods J-,V* April, .kdy sad Oclabm. e If firs code D 1PdmeL F 11-mo. LIDORI or 6 p-mo. LIBOR Repdood Momitly) pp-m on We Saw of your aereaar non m the periodc raupd, to p.doic mom sad mtesDorrimg ANIMAL PERC EIKAGE RATE may vary neardiy rd hey trawl or decmese bead - floe and tries, ee lorld in The Waf Shat Jaeriat pan dm m.hgiri pmvioury iacbaed m vat Tram dhrhgas vA W o?ea on do firo dey d yes birp pedod each march 4. AasemmeK lam, Oembeft ed eel than PaP t Fees. Your .coca[ [ wi W oe ro mem ine tireh two .1 d one Toes fistd here tie .= gra any baling , - lmd name d .t Iknder 1M tarma your to .- a gents[; wo ace 4% to wiorh m to rare m -ea fry Toes you '*toear a he Kern eroifi or you La wrathaq m daht to ..Kea the errihler fees at .t . s Ian fihwe. 5.'ramoweg Year amrc.t If . rns. You tam .)peas m . front d be this a hem, 30 thom deys tm.f t d to ent -.h eam - vats a I to m yea to avid payiV d. in t Sam or m Mss dh fee aeda.d m yes n you ts to offe your Gekhp Bit Period. yon m+y -mho m ri a racil y tar acmm V m Pay ae n notify fee. To To oral ome at.a you .fat ndN m ea by M aairp W Lyeamm Rerane Depmrra ad poy ypr Nfev e.I.rh-• In kin (fndhadkhp dr manWKdp Sed p la mar ad at der adny4y priori 6. N You close Your Aemut You cam napes m dame yyooute a cnea by Carp m Cumarea Ranier Dept mot You mot destroy Vote C1.0 Carew and .toss a tea s decks, canal r b1ihW r d eeaee yon .®uK If you rib het aced prardhorkd m.npwawas, w wi aaaherdu re-fp of • drop. V- .0-aim m map- was o-oaxa. Adidordy. your .c-tea v i not be clamed rag y- Pay r ameame you owe - bdheftw any fuawNas you he- rAlohrd. mate dnrpee, win due Iw, o-Amh moo. mmonred partner feet, ooh ,do me I.ea and arty odor fees anatand to Yrr ....... Y- oft - 1. 0- manatee cry apptm -yo at armt a air time pas rerpet to does the acvaurK a day am framed raKgiKa to yam reprasi m dose de .-oft The may refit o dhnm .softie m you acmua aver Yoe Mee yo« aaana n ft has aimody been closed. For enmpe, If you audb dz d a pndraie Iron a mwdhma ad - receive def ter sealion Store the months after your aocvhsa has b- dosed. your .-WK wit be reaperud, dr groan d 1MCfrape wte be added m YW a-M qd Wyrou cell , map- M P.= It see I. a merorrep tam Mvas --M dhf (ee h i -rekere to be cfrrgo4 m art exteot psraldad by ew, ran the acz ua into ham boon pfd I. KA as deead .6- 7. Gaup Year Aeeaae.Yo r wed or acrwrt whoa be used I. coeaeaion waft or y hemmer pmblkV trramc me 8. Native Abed Daevaie chest Co-and h. YAhon You Provide a dmmk m poynoM y- aahafke ea deer to kdemaem has yote check m make • are-seam dactrode Imhd tearer from y- Work ammo or to process the payma K a Check tnr Cal- Wham here uK knfamrhaalorh Ion. yore Cock to make m akegroliC 1ud traaser, fratde nmy W vddhiarmh from Y- bark .=team K tam m h some day we raraive Yee P. -11. oral you wit m reway yam feral. back Imo Yon imnc?M .etierar. BILLING RIGHTS SUMMARY fin Can Of 6hms Or Ot ender About Ym Biff If you think yarn hil is -mg, or it you need room iahtompalloo m . vmmcion or bill. A. to - m e a."- errat K -a= n tie am- M kgridK da- m the amrmmm- We cord Iwo Ism yes ro ter doh eo day. after w. aaK you the ire 6111 orwhich the enur or proMe n appeared Ym con w1 our Gmorrner 1411atioar -mbar, bat doing K wi era =eve Yoer digits. In your fetter, give us the eYnvang rdommiae yore eame ad accwa meeber, dr dollar mnaas of ram rspead friar, • descdpdm of ms error and an a plrrMaL tt peaad., er war you befi- doe I. - error; or n yon mew mine khemomL a d-dpd- of an item you .m roue bow- You do rot he- to pay any anon I. question Wile w an 6waripakV it. but y- am aN obligated m pay the pons of ymf bit tint on era e q-talon vied. we k etnoW a yes gaKdon, - raanot fete airy a.If- to cd- are neTrm you K defepma of anhour you prank. t,t sprint mile For credit Card ftdvams R you have a pwblre erier the ra fity al p arty or _,A_ tie yam pechsad widh • crest -d and you have tried in gad Mar m -raft ae pobMri waft the m PaY air rerri.hnp nemh m, you any have the dgltt on nonta it - an proporty er aer i- You he- dds praocom oral vrrairh the pacWee pct was mine coon $56.00 red are P? ram .fade in voter home sum or witm 100 miss d yam emav ddnes. at we own « .geese tie morceat or B - .WW you de dvenlaerrsrd M dhe Ionpony or Krvicas, as prrdn at n -vored wpwieK d avast « 1-0- of purchase.) PeaK aonhehhbee m sign d - Womlah-. t Does nor .Palo m -omenr non- odir a.rd arza 0s r Does hear apply So booman --adff Card ac-mfs Oro eippom kdKOatan piracy paenim: eae o, all vrrrr.c pitann.-m. One i.. ledaaty aar4= earvi- -,it of Ophr mnc?al coporatien All arpte awned. 0 2003 Oe OILGLBAK t a.?or- Peet you wi Noe a rnk*- a°- pedod of 25 days vAthm Hence chm on nor i alone.. mete bdaee laarefer, react sfmd 'ed- and erect adam Crream n you pay Vote war 'Nees Barb-', In ...weer- With the kapmant Nona 1. invemete beer. d In tine for it m be .scud by your race reamnwK doaiiq dine. Tore I. K W- period m code adval? ad Made! f,.nxkm. In . J&k m Moat I. ro ptass Pad m any furo.aerh If you do era Pay dr t "'New free-.' b. ACmirp Fb- Ourge. Traraetlurs ertlch - rho[ suhled 1. ¦ prow padd .e aamseed fihmcs dhahpe 1) from dm data of the Gee.edon or 2) brim dm data the ,,an ..0- 1. pmeeawd m yam A-a-I se A fmm Yr firm aaleala day of th worm bhTahg ImAod. Addeorm y, it you id rot pay do 'New Befrm.• ism de Paevioe biBnp pared in fV, haft charges mane M farts m you maid belarce u11 the tepad b.W- Is Paid M %ll. Tlds mere that You mry stn owe floe- dnrgea, coon if you p.y tie rdb If-Balm indwmd m ee iota d your Wtmnea by tie roe anuene a dolly does, fast id not de to for the peNae mash. lkhpoid fK.ce Wrges .m added m the q*Gc.We aepren d vote Amrt t c. %%ganan Fames Cmrpe. For Koh bing pied amt your crofts a ef>ihhd to a (mote ch m a rihd- M.1 RNAf1CE CHpdh6E d $6.50 all be fePeeai N the final rewnce crap. rmlleg fmri dm 4PI 1 d V e pod. rate;) k$0.5 eK dnn 50.50, we c i a eaaa >•mm amraa dd cam lift 0graidwaMwn ad tls ieemnce o be billed to the gadrK nr F dchyear mpe. We reform I" t d. Tarporry Rod-ti- rlplrr mP=m nY or all farces dmgK M fear V- 2. A- rope Dally Barmy rMdiy Near RedomaL a. R- ch aps Is claimed by midplyft h dally before d odl sapmers of Vote a co-i Ix.p., uab advance, raochaae. apache fmosM, and speller pcedhKG by am -spo n rig daily periodic rental der Ism bash pone dty dro treed to you. At tW rd d each day emery th hlirho pond, win aPVY ae datY permie taro M each sapnra of ymr aewus m IW defy fraMee d each P a-A Thon at fie and d de Niq pa w. add the fie realm of t- dalyy ctlal -i M m W . e I Vote Periods ,re ps breach - w V. 1? Imreif cams Stara and, eapMr4 m IfdY! A f am near frrNSa tarps M your ai-r.a. To pm rie dal? balm- M each tapers d yam austKK, re mfrs is fepKlel brute M each Kpnam ad add wairryry mw tmmdore aM rry eaoodc trha ae Charge calnYad m,k le Anar days bd- M dot eapnmt We dam arts.. any Papmrae or e.dit pored K of Ow day Pan - .looted to Krt -mm, TI" III- ea de aepmeae deer betsrce f« each owt re of V- ..r=oam. I/owevr R Von paid ae New Brea- af- m war Pm . sammeea h to ler It you few bol- eW kern or . trait strop, ter traaseaias odddr poe to you reed- or Warier pcaCrK aepnrec an not added mar diy ba e- we cal-lem th .serape die bola- by MOV.• do dedY betas Iopod- ad dwdnp 1111 a.ri by de: d to days in she armn bllnl eyrie. To cakOdate Von toter fiKrhct aiargs, muh411r' you -aps deny bake- b r de daily poaiaac rns ad W the r .A- d days It, ate burg ::::vaDhe 1. Ian." on . rfdy 6fahs. Ilse male be • aklpls lor- bowmen tlde rakairkrh rd ih ammre of fi- dmrye .aua1Y taotKed. b. If de tade Z a N apposes m do 4ad or this famrimm nest to 'Bdrte Nam Applied 70, foie a haply On 26587M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p_m. ET. Payments addressed to our Washington processing center must be received on a business day by 3.00 p.m. PT. Please allow at best five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. D45 Capl"One" wlrars 1n your uMallet7- Your account is about to receive the worst credit rating - an R9. Your account is close to being charged off. • The result is an R9 rating - the worst credit rating of all on your credit bureau report • It may prevent you from getting credit cards, an apartment, a cell phone, a car loan - or even a job - for as long as to years! • An R9 will limit our ability to offer you financial solutions. • You will still be responsible for repaying the debt O 2003 Capital One Services, Inc Capital One is a Cede GOLD MASTERCARD ACCOUNT 5291-1518-5636-1793 045.0303 capitalow SEP 12 - OCT 11, 2003 Page 1 of 1 Account Summary Payments, Ctofiit$ wA A4x;1 ants Prevmrs Balance $1,70036 1 15 SEP ELECTRONIC PAYMENT $12.50- Payments, Credits and Adjustments $25.00 2 10 OCT ELECTRONIC PAYMENT 12.50- Transatisms $70.00 Finance Charges $36.94 Transactions New Balance $1,782-30 3 12 SEP OVERLIMIT FEE $29.00 Minimum Amount Due $1,782-30 4 11 OCT CAPITAL ONE MONTHLY MEMBER FEE 6.00 Payment Due Date November 11, 2003 5 11 OCT PAST DUE FEE 35.00 Total Credit Line $500 Families in PA EARNING INCOMES UP TO $43,240 per yea may be dighle for low-coat or free Total Available Credit $.00 health care coverage FOR THEIR UNINSURED CHILDREN. If you err someone you know has a Credit Line for Cash SSW call toll bee 1-677-KIDS-NOW for information about the low-cost child without health insmace Available Credit for Cash S-00 , or free health care coverage programs in PA. At your s:erviee You were asarxrd apast due fee of $35.00 on 10/11/2003 because your minimum payment was not received by the due dm of 10/11/2003. To avid this fee in the limne, we recommend that you T. .a Customer Relay- or to report a lest or stolen ord: allow at least 7 basins days for your payment to read Capital One. 1-800-903-3637 F. free o,X- aomunt -i¢ and spaid tut.- of .lug eau to: -cq.t lone.mm Send pgmare to: Scnd inqukio ter. Arm Rte iu- Pmmsing C*W One Sautes Capital One Senior P.O. Box SS147 P.O. Bear 3.5015 Richmond. VA 23276 Rich-di, VA 23235-5015 Important Account Information Cast your vote on apitalonebowl.com to help select the National Mascot of the Year from the 12 finalists, and be sure to rune in to ABC college football, ESPN, and ESPN2 to we this year's mascot commercials! This years manner will be announced during the Capital One Bowl, which airs on ABC at I.00P.m. ET on January la Finance Charges Plraraxrr reaasesadef r important if-.dioa MEE m PURCHASES x1,73573 .0709611 25.90% 936.94 CASH SAD .070%% 25.90% 5.00 ANNUAL PERCENTAGE RATE applied this period 25.90% ? PLEASE RETURN PORTION BELOW WITH PAYMENT . v /? capilalow, 0000000 0 5291151856361793 11 1782300012501782307 New Balance $1,78230 Minimum Amount Due SL78230 Payment Due Date November 11, 2003 - Total enclosed S 1 1 Account Number. 5291-1518-5636-1793 Hone P1 Ala- Plan #9028537497863050# MAIL ID NUMBER Capital One Bank LOUIS U RICE JR P.O. Box 85147 { { { {{ {{ { { ° 306 S YORK ST outs uu sus ,n Richmond, VA 23276 MECHANICSBURG PA 17055-6302 {u?r{n?{w{r{{nr?,{{n{{w{{ur{{sir{{tar{{m{{ur?{ur{ ° {m{{{w{?{ens{r{u{r{u{{uu{{s{{tsar{.{{{un{{ru{r{r{ Pk- rarity ywv .v and rrambcon yore beck or monry order madrp yJ W Jo Capital One Beak and mail in theenn&erdenxlopr. Good news - it's not too late. • Call a-Boo-955-66oo for payment options. • Pay with our free Check by phone service- • If you have online access, log on to your account and pay now at www.capitalone.com. • if you prefer, simply use the remittance coupon below. service mark. AN rights nssmved. prmrpi.n..dmr.J2.m..1/..r-mdaingn kbm,n?aLr.. 6L1 iat: g? Apt. A S,ae 1 Q the To by IN. atl?itaeard.VV t, -e haWk. 9. hip period e, 0egpisee?i qq helms of each e.Vn s each ay, add any new vwraesars so each sagees a, and arnaei any peynrenls or oadale. Ise the ..de N pp- a she Trent of this rnasrrr rte. as'Braru Rase Applied To: .e also peoi.d. Wee. 8 .As.= any urylid fires a' Wrduad in the prance r sadr aearnaa-) This alms s the daily brans of each sap..s_ Thar, e+ am =- me =balances for each s for de Mang d Haber d days n tM airD grid. The ghee, s the aaaraae daily brace of each -p- 3. Mad Per - Bats IAPBI. a. The hew 'Arserl Percentage, Bs?s' era appear s -APR' on do Wart of this sttlaealL b. N the code P Friel. L (3-rale. LMM. C 1Cerdlime of ?asct? Possess, , the tears or Periodic rots sd rarwa ndrp AMAJAL PERCHIfAD RATES hay -V O.nedy and easy itoeas er dausae based on the and irndss, s foshd in 77. W.0 Saar Jotlst. pas rho .tarp'. pro.1-sly, disclosed re you These - - vot be tltcUvs an to fait ay of yar bMV period covered by yesr f addde statareara an** in she ea."..l.eary. APO. July ad Onab.. c H the cede D False), F (11- 11BW0 or a Pass. sppeaer on she fears or your anatrrrs?-ft the; odic meld, the Peiods eta and aarreyarhdk n ANNUAL PE CBIfAGE RATES hay -ey eaardiry and say ktceaale er deoesee based a to stated Indices. s Ned in 7Aa KW Sinew J s-K Pfeil she rearpn p.rerdy, di disclosed sot yrs. These charges ,,M be albaaa on tM bur dry d your burp period each rh."a" a. A ..... ad al L," cases" and Rduned Payeart Fes. two r 1M furs Your tesorae trig be assessed no ease than tad )here that ease dukhp any neap padd. Under the has of Vise tlotomer apoeeaarlL s ,roarer the rigla to vine ar not to assess any iss steatite pia nullification to ttkhn11ar you'kiles aabietp air date W aaaes t. soma or }}aass n a Isear tai.. 5.TRa.•be Year Aooo.d. If a rttersbe-- /se appears M the foal of cis sate-.. yes pave 30 ap fan der dire Us tlnanas ws asage l sal you . void payee d. tae a. hew asch fa ceded is yes If you rascal yore .crown. During his period. yes •aY calms se ns Water asaa vsftho a hahire o pay the searrasdip fee. To tancr Vas -CC-LM yea roust nosh s by calheag our Ctiratot Relesso s Oepatne a sarhscapay a- Balance n fee flock." the 6. R Too Chase car Apd. ccoad d.. Yoorel .1 the ur ap A n yclhase Voter r>ataa br oaip air f]iw¦r Reuters Deparors. You bas destroy Van c..* ..W and ah.ura rm decks, rand .0 porAb.&d ping, nd was q?Var amaa N Wu do sot seai preWaftdwaihp arwgrssq sal wi Caesiar .Pa4 of a ch." Vote atathaizatiete bnotraaparh yatr aersurs. Atdta.gy, your a®es M bur dad mO you pay an ahwourrs you ere or iriadn¢ eery Inrsaction. Vea haw odhwae, ism due . . pan der fees1 e-fit is leaa, -asead pays ens Res, cash advarm fee and airy ed.r fees awed . yon txass. Yea urea eeaprsM. fee Use aseus w.mer hey appear an you acsraet n tr dal you .quest is cause the a®rrs a Ivey are krarred ted sgirta to War apace . cure V. a-- This roar rsa In hi...ea - - - sea armaa attar yea Mw Your arrant N it Ins rn.dy, been dosed. For a-rope, H you as harizd • prd.ae troy a srdh.efl and rte nee ac, Ow transaction team the arerchos shot your .c.." has bear cloaa . yeas sass A be -pored, the ¦rrtwal of ,tai charge -1111 be added . your accmnt, and year rA be rspors,, for psyiners. H there is a aoraarsp lee eor Vour acvoura, the her sA Laminas W be dread, M the mans pemined by low, mail the ar n brans has been paid in h1 as defred above. 7. =Y es AeuhLYour Card or riots[ urhrho be Canehectiorn -Tat any kaeset Us.bfire 6. Notice A1ra Electronic, Check C-arsh n. VA- you Prsdde a check a payhnsnt, you ahaMriae s either to hoe kdahaaien frors yar deck to site • one-ii- .tClraiC ftad transfer Thom yar bird[ amore er to a sect rearwcrim. what hive Pores etc, l aymns as use inowsion Wan your sett to make an eNctroric fad Irr.ler, back may be -Met. n from you bank ox al As tom a Rte same day yes receive your =&W ad you ri nor recd- your check beck Iran narhclr iaextuo. on"o snows SUMMARY In Cam Of E- O, Ghsai ns Abase Your Bill If yoo tint yea be is wrote, or it you need race i damtliah an a conviction or bi, write to m in a «patate al- s anon as poodle at the address for kgdas srrt an the bors r this star-M We muse hear furs year We Neer then 00 rays aver we sent you the is big en welch 0. - or peahen appeared. You cm W at Ciseater Role . ,-bar. bur doing a vA rho P°a'w Vote dales. In your fens, give a tM fall-Ang V- rime old atraea -bar, the dollar ehfersU of anaes d dr anspacM soar, • scrip . o1 a. ertor and w e plasda, It possible, r"Vital beiew then is e ,, . N V- need where information, a description of the Weea you ¦ea sense aboa. YPa a not haw to pay any seas in rpsis Wit we a. knrenigatkhp it, bra you ere tli abagned as Pay the parts of yaw big set an not in eased- UAOe ewe nvardgae. yar question, we canna .peer you s deanetrn or mite any eCYa to s11st rite rnoae Vow pa . e.t Special Rude For C.dt Gd Purchases 11 yes Ica a P•bfehw vdeh the q-lky of property or serAcas dot Vs prdrad %Mh a ceder card and you pave sled in pod Wish o coned t ho problem wit s. see clee Mons a.Y h- she right rot o pay the renting amass dal en 00 preleanY or a"- YPU Noe this pwdsoen aN .ern clue pwt3oa pee was see. than 150.00 std d. ptachise sea mass in your Ms am or wdan 100 age all your mains ad .- of e. own a opera a the es . or N sae merged you the dwe6oons for to Property or servir s, a1 p oche sea rssawd eeprdes of aramra or iCa of punch-) Please raraaba,. sign ere c-.qporKw-. t Does nor Wofy as mavwwa nun-ea'edrt cad seCawsts 1 Does not apply. bredeeaa son-lit card aemhnts Capital Orte ismons inluwadon pdwcy pro-ion: ere our v+ehai. tl evww.eaphslone.com. Opitr Os -ar a fedsragy raginerd asrvice mo_2 of GPaal Orr Finial CerPOrafiehh• .All rnWas reaereed. a 003 f.cl,ah Ohhe 01 LGLBAR 1. lbw To Awe A Frame tanrpa. t a, arwe Pried. You vale haw • ak:nsen area Period of 2s aye wht.m Wrce chew m new Padrtle. nets prance ,raeafsn, new' spacial purchases and row oil- charges H you peY y w tarn -trw Bslsnm , n arsardarae rend to Imponwe Had- for P¦M^es below, and in tkee for It . be csed,d by you rod nnrsa tfeskp dote. There I. na area genial on Carr advareea and apper ,nesfen. n addsion, dr. fe a Rrau paid m any 1, don H yar do net Pay de, later New balarce.- b. Aeavhp Fln.- CI-V. Trrnaalve edirh ere nor .M- to . F.- period ....... d i.nR charge 11 Nom the data of de lras¦uon or 2) from the date the toveadion is peacosed to your Accoont or 31 Men the first calendar day of the oared bike period. AddniargY. N yea did rtes pay do -New Brenta- Nom " Powos ya in ILA, finance, charges coneltate W u the unVOld balance Is Paid M Nall: ? ur rp? balance unto Thin: mega That you mry Ng owe inharm charges, even it you Pay to .rsiea New Balwa tsicatd an the free of your stet err by the one statrnara cioske data. hue did rr a a ,or he peavias rsen. lapsid fehrm drrgs a t ¦ddd to the ¦pplicatle aefpnaral r you Aecoaa. tc, kRnknrhw Fnrwe Gary. For ash bie peeid.t., V- account 1. a8jacl ta a Errs charge. a rne.rsw tar RNANCE CHARGE of 60.50 wi be kePeed- H the tar 11- carge reMkp fine 0. appicadon of your periodic etafra t less then, 10.50. tw WO abttaCt cat anorad Non The 10.50 mkirlhtan air t. dNera cc, wR be hied to the pewee aepne. d err accoos. F Grga. we reserve he t d. Tasperay Redaction In rigln io sea ¦f a erg On- d.rga to any given 2. Avereaa Daly galr.a llrnakrdap Mew Pooh-l. ¦. Flrrrm charge I. rslWned by etneripfyap the daily bal.- of each reop ea n of Voter scs as fe.a_ Cash advance, padres, W.W transfer, end Wader Padua) by der Catraspendmp daily padode ra.W tr has beat preMOUsy d dosed to you Al t. and r teach ay deng dive bibp period, v. apply the daily Periodc we for each apeent r War atratar o der ally btlerm o1 each signed. Than n d. eel o1 the ti6lhp period, m add to the subs of than daily rA/oattors to ands m your pariedc inereco cnrye fa esdl ssp.hsa. W. add nq Una reauhr I- each esg." . arriya A ".WWI periodic enerRS carpe for your accent. To got dr ally balance or each aegmas of your accosoL see take go beginning batrra for each ssamera ard add any r.w drsceier. ad any padodc fit- chase, raloated hot the previous aye IWWro, tar Their sprat We than wine any p.jar- or -din pored as of dot ay shat a. rlaatd to 0. aagnre The g>Ke s to galleons daily bsfence far each seflneea or Yose /metro. Hottentot. If you Paid t. New as rewn on you preaiars autanad I. NO Wr If I- new brace war zero a a c,edn aeours), new trap anion; -hitch past a yes, puchaaa er yadd prrchas ser- ace ten added . ate daiy brasses. We Motives, ,M .-rape dally balance by ¦ddrp ac, the relay belaces opaher air dividrp the sts by to resolace of the aye In the current. hip cycle. To ralMate Wa total rrmm c.rlie. -, Wy Wes .--W daily br¦nce by the daily periodic, ate and by the t-.W of ayr in the being Our W t0 cli11g rota eddy era, the. may b. a to Irnhotan of ripta radars betv.em IN. rdn!¦lierh and Y massed. fuarce derrpe 12 It. H der code Z m pear m the sae r this nnaNm rend to -BelonCa Rate Applied To,' va soh 9d0V the l BR50M Important Notice: Your payment will be credited to your account as of the date we receive it, provided you send the bottom portion of this statement and your check in the enclosed remittance envelope, and your payment is received in our processing center by 3 p.m. Payments addressed to our Virginia or Georgia processing center must be received on a business day by 3:00 p.m. ET. Payments addressed to our Washington processing center must be received on a business day by 3:00 p.m. PT. Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or in another form may not be credited the same day we receive them. Our business days are Monday through Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. r1 Surf up to 5x fastertftth FREE Ac eierai> - 1-888-587-9669 Mention Offer Code: COIN Visit www.peop1epccon-dgo/coiin ® Virus Protection powered by Symantec- Im 15 Pop-Up BlockerTM Spam controls ,0, Smarter Smart Dialer Technology ,sp cW More Email Addresses ®o Internet Call Waiting capitalow, peoplepc- online UNLIMITED INTERNET ACCESS 1-1? A better way to Intemet. PeoplePC Online offers the features you would expect from higher-priced Internet 1--ib. Service Providers, including: GOLD ALASIERCARD ACCOUNT 5291-1518-5636-1793 OCT 1.2 - NOV 11, 2003 Page 1 of 1 Account Summazy Payments, Ctedim and AdjWtment5 Previous Balance $1,792.30 Paymerus, Credits and Adjuam eots $.00 Transactions Tranac[ions $70.00 $4025 1 13 OCT OVERLIMIT FEE $29.00 Finance Charges 2 li NOV CAPITAL ONE MONTHLY MEMBER FEE 6.00 New Balance $1,892.55 3 11 NOV PAST DUE FEE 35.00 Minimum Amount Due Payment Due Dare $1,89255 Dccembc 11, 2003 You were as wd a past due fee of $35.00 on 11/11/20D3 because your minimum payment was not received by the due date of 11/11/200. To avoid this fee in the fuare, a2 recommend that you Total Credit Line $500 allow at lean 7 business days for your payment to reach Capital One. Total Available Credit $.DO Credit Line for Cash $500 Available Credit for Cash S.00 At your service To ca Customer Rdatimn or to report a lost or stdm card: 1-800-903-3637 For free online account swiss and spccw oat-er ofm, in m to: -npinbnseom Smd p y-d, to: Send inquiries sac . Attn: R-Tirana Pr-ing Capital One Senior Capital Om Suites P.O. Bas 85147 P.O. Bm 85W Ridrmond, VA 23276 Ridsmond, VA23225-5015 r i mpvdant irfonaatior rd e fo t Finance Chatgn Plrarcimreunx ? r y ?a or dPR t 6rJm . t 90% 070%% 25 $40 25 bb . PURCHASES 31,829.94 . CASH 300 .07090% 25.90% . 3.00 ANNUAL PERCENTAGE RATE applied this period 25.90% T PLEASE RETURN PORTION BELOW AvrM PAYMENT. v CapilalQnea 0000000 0 5291151856361793 11 1892550012501892551 New Balance SL892SS Minimum Amount Due $L892S5 Payment Doe Date December 11, 2003 - Total endosed $ 1 1 Account Number. 5291-1519-56361793 Capital One Bank t P.O. Box 85147 ?r?rrlrs?lrrlr rlr ltlr? Richmond, VA 23276 ?n?rln??us?r??r nla??nl?urllnrl?usllurlluallutl?url .r,?rrar.:sqdJ.aa.rJ?r?.mr?ar??are,.rarF;aa i.? suee Ape s Cky Sue ZIP 11a.e Ph- Alemm Ph- 0 E-a Add- #9031637497863053# MAIL ID NUMBER ?- LOUIS U RICE JR ^ 306 S YORK ST IS MECHANICSBURG PA 17D55-6302 0 .r o =- L,rIlLrdllrrarl,lrrl.IrJIM. lltllnterlrlllnt,ILrrr661 Plcau to d j_ aavmrt amrbn or yore cW - marry orris aeadcjajab& to Capad O-Bar+F -d-din the erdmcd c y 0. p?,QpWc- online 306 S YQZ&wT A better way to Intemet. MECHANICSBURG PA 17055.63D2 l?''IMITED INTERNET ACCESS 1-888-587-9669 • • Mention Offer Code: COIN VWd www.peopIepc.cwWgo/coin PalopWC! soly ft WmAbfm nett clay sal Is Trot allieW OM CWW one. eRtlon cos cot provide, enders ergl-aria ad's not dialled tth, eery poAel or amvm shown he. Any tamatrla anldurod hmen ate so* p.rtpg by to sespecr- array. M right m-ved. By MW-ft to 1as dk[ Ym RW be cmrmnc*V idom dm about yand b get cw;wy tai provides ft pD*a - tan Aarfp. 2W Yw ale a capdd Ore otdwael ?aWbPC Odale Fwd 3 made are hied d UW pr mw11L 5485 pot nutlF *A=%L Oft Itniable ! wi dA-W itbmilem m batl IS Vella d age and may nd be rxlaned tail any udwait oisnow t, darge at Ny title Phone vil i uWcd aralabl for 5125 per mimde 1Awa lerAw is inn for 12 nmmlBK Offer good tar kAM time Aker to fret 12 ma - to ftella d cwvice wit automabcit)r hovel b to statldsd PeapMr O*m wvm Ober u4m2 ! dill W atmWOm YM PeaplePC Ofie g ", Adel Imes only vvy PaWWC Online Acminald Is a* cmp" air PaWW Ordre henim stria and tryerlNd Yyatdoii blormn; NWIePC Ottkls Aecdw&W b not aeapxM* aril Vii - a8 $ wall E 5S SP2. SeviLSaf vAk* In d sons Axtias des, ta-$, ird ad-fan and teabisgote may ap*Wsph-t 4 dwW may applKr-dlaitgbbt pllb&Yep ale teipdlrble for deternx*q 1dvnl xnl so-ed crn=w runberz YA renal itidWhistelgtI V Acmesmwybeirked,eeped*crtipfarosdpadstaage Oiml-wmapbnamwbeduped nl PecomPft di due i Cadmus use ubjed to Braila mwedwast. Al ma's zx#ialo Pavw Or itak Swwlm Apeeated tad Accgt a Use Poky 58K it to rrmutuan speed of sendw ached speed my vary 0 20M PoptbPC bc. AN Ryas Aeserved. PeoplePC Oriels std 1s bgm we LadiNllo d PenooPC it gte US. nd Dow cmillwa 02085 Capid Olga Ssvbw kc. CaplW Cue is a bdoi* mgbtead zwka iak Mtiyaz reeved g O o i N periods: un. To obtain the .-Hip diy bWrce for ills: - baling parsed -ad by dhk suisws, we uk. the irarea m idhof e.cb teprrr[ etch day, add why new w cn - Id ri coos al she f am of at aa'a nato ee t tam m 'Birth RM Applied To: ova Was ..must +nY t np.W faotce detge isdhded In m balarce f drib s?he?a 1 7h's gl++a e ri daily balance of tact +ev?n• -DSrt we wed tip a dha dory bb- for each d ?n bhp Period .rd bads by ills tow reandw big Pedod. This gives oe the 3. A-vad ?M n taga get- CAPRI. -man'. .. The Man -AsssY P---ge Roe' My appear es 'APR' - ri how of di. >t+tanoer. b. If the coda P Pni.d, L (3- LIBOR). C ICenif - of Depow", w S lwwom Pure) pp.. m " least .1 'hi. rwihos ofd n ri periodic onow. the pef - rne wd ow?w:p ANl W PSCFMAOE MTES My vary Ohsrliy whd May i saves « des- based m ri surd ihdeaaa, s bud it. 77e Win Sinew J--A( plts the wigin predcudy dsdosad - you. Thew ewhg. M be cloak- on S. ht day o1 vow in Is Wads J-,y. ApA, July w sunsernom g and Oaobw. c tf ri cape D geth m), F n+re. LIBOR) « G (3+ao. LIBOR Reprised Monthly) apper m the Inn of your stneahes Ohm m ds PArisie .coif, the padotfe ales and tarraPwsig AaMIAL PERCHrrAGE RATES may -ry r-sit y and aeay hsaesse or chmmese bawd m the ruled hh ' - bud in Th. Wes stew Jan at pit. ,he sion e de m ? i k wA be fh Yoh vhwitt. Y I V- billing peaid 6- Aesemard sea lye, Orrfoi ahA RAftened Paymas Fees. Your .own eves 4 Yse-W m nave tom two 01 the lees islad have dear sane champ wry big podod. Under ri aeons of yew aieaer apeor=- ve ri ripM m w.iw w it m Yuri aM by wPie redioliet to }VV-a.s n IMO ihn •w tight n +YeY rise -- w anhaor 5.TRet YoedA.-od. R a rYnbeslip be days imm ills da a is daa M'anaYa'vha- yw void Payiq ri ti. T:= ou B ym carw V- aecahse Wring tbk Period, goo may osntrare m tae Mur nmhn vithoht having m Pay the rrtesbe .* tea To faecal your acomett you - redfy - by tip our Clover Rslsdnns Depa. nwsdn ay1lpWts 'N.w. BNOrsa' be 1A fetridsg the UA) so And of It. N Y.u Close Yoe Aso 0 You tan Aspana ri'Y tv p.dod TWA atutsa by help tar GYes.r R fulone dYe Dopnunen. You ..Y dsnroy You credit coals) are +000ni etra ri le, oenl +s P -011 rated 11", P??ttrp lie .setae[. M a y- do vw rased as Ynp +argesse w .raids raealq M • des" Votes +Wead:etm m -Wan gew eru:eua. Additionally. Vsr wmshn vi ri h tdosed tad" You PAY .1 Moss Yoe owe a ndlwntQ wry toseactione vote Iwo --d dz d, Talons .beget, Pan due toes, --S-w lees, rntssd paysww isY, cash +dwrhu fes nd wry oden hr. assssaed to yotr ¢vua. You M re'.PssoMa der drew! .mouws wlwhr riY appir m Y+nr aCCarA « ri tine your ngtsw n close Ilse dear « ley M nursed gadnmq to n Vote nquif to dose the accnaw. life May urn se veas?aslM ? a?®tse ny?a die clowd w dhe?ismrim or Y- youn a It has alaedy been dosel. For enmple. if phrdoi hove a -m ho end vn recroiw ri t-neaaiest than the nedww sit- yew txwnr h- been dws.4 your aws,M oval be reoparrd, the nsnout m rte rlrrpe ri be added u your erzourt, wd yyowu nra h respnsiee f« payntert. 11 tl+ere k e to be c d ea /.e for your a®taa, the lee WI mviir e . be rprl s; id I.YOed bur, wail the eeotww Man es At h- am paid hoc s ebore. 7. Land At t'otr Aesw faraeCsm .*.t- Yer cad or as u tt q nd - torero be Land vin wry I.- gemWip B. Nodes Abet El.miic C1nAeh fanrrmn When you p..kk a deck s payssM, Yoe .=. - rids, to tee inbmwim Yon grove deck m melee A one-tune alsarwic had vendor it- v- bank atcsua « to ptnc?ef ri PAYr++rt Y A chock tnreecnon wlen vre Oar Mi«mnim few. vow data m Mke M deetfaric lewd fr-hr, ludo only h witldown from yew bank thvataw .s Aom s ri >YS day we veosiw vote PaNa«tC wd Yw vsi not recalls vote dede bade fin your firurdal hwinaira BILLING RIGHTS SUMMARY (b Caw Of Fran Or Otwseliutc Abwr Yohr Bill) I/ you dank your W -s W wan « it you reed mom hnbmrtim m . titaaowh « bill, ode to - on -Paou .Ines ae -os s passible at the wkhea foe hu f?eo bower m tits fit of 0- Mment. we coral oans foe bill on "id the a? 00 pr Means mr you the eidoine& un u0 as Ctwomar Relations mbar. but doing - vAl will not Vy e-M yon rigiwi n ywr brae, pot os ri lollovhinp inlorrsatiorC Your Win mad amwa f the cipiim sr, of ft the dear error enew a. o Itd .rear.. v" you enter en enor if V h on. rb, d asc reins es, k osunsyou a beieve than, is sm. you if ayou ova to pa of the roan y on ueh rases i shwa M . o . You o You wry btu you +r nnl ubigemd so Pay the isaovan not hue to pay gnaq ie an At citerats, tMdb v.e Y' gees n y gia m n. not repot you as deirugtins ti wW =am to en the ntdta t you question. *.I' Special Rule For Craft Can Puttee If yw here tf =hevo a praaYh wim is gaily of pnysnY w dot Yeeoedt Pudswmd veith aricrMt tam endh yt M, b you g may heinre ri riplt date not 1 t. o pay vnouhe nrerdan Pay the recnaitichp amourt dos m the Peapen? « services. You hew this prouoion palyl?' vdsn the ptwolss Pits urea reore then $50.00 and da pad- awe shad. I. your fear nM or witfin 100 Odes of your .Laidig Adesa, 01 we cwt or operne ri MatchoM w R vse stied you the sdvee.wnew lot ri pnp.my w -rwtces, all purch- aN towered regardless; of senour «lo-lion of purchase.) Plea- romhbat to sign i mrwgtedrtw. t Does not A%pir m cwmr« erne-wade 1-6 acopurfs I Does raw apply to brerlser n --* cad aeeowws CaPhal One n*P- inlowe"Art pd-.y pimi-- sae wr webehe n www.upitsid- os. Capital One k • tadealy, ngiwArad service mark of Capital One RMadel Conpnotien. At dgits maerved. A 2003 Capital Ors 01 LGLBAK T •. Oraw Period. You •rm hoe • Mini.- Voce podod of 25 days wvirlmu ! whets drip on Thaw pW.ai„ row bW rca trarsNo, new tparial a - Relator. w oth« Y+vt PAY you+tool -Now Iker P.I. If and in linvaa f« it to be cmdrrtl? ? need below. by your Oland .1-V Are .& time. wed.1 In w f.M. In +dditimMess I. Vham p«6d . m wry traroaih if you do ran pay the tell 'Now balance.' b. AenuktV Fbwse Charge. T.-imc acrid M now Imo, ft data he u-clien 2) ton Use does dtel trwsaoim is procae.0 to Voter Acmes or 3) lease the fire C.Ia dAr day of ri uwran big p.eiod Additionally, If you did rot pay ri "NSw Balrh¢' tai ri (.avtwr eing period b hA, i .ez drapes eor+h. e a t tears m your tnp.d baWwe use de tspad believes I. PAd in kdLThis hrhears dw you -U111 ewe irtarse doeget, etrwh If you pay the wdo Nsw 0Nreoe hdratsd m ds Y«a d your Mtwwan by ri rer da sonar t doming data, lair did new do - eor ri prnios Math. tlrlpaid Letff a doges an added to due eppl"t WC eapnao of yew Aeneas. t aad rraur i+ awl ea frtetrs d" g.' -a kd- tad RNANCE CHARGE al $0.50 sa be it"-.& R the total I-- cage nwAirg lie ri apoirat d toe+ periodic Mint) k lea does $0.50, -raid c.- dm nerd from the $0-50 mini and ri dmeeQ wd1 be bled to the podrae aVw«a of your atmotwt. t d. Temporary Radwies is Fioeeae Chary. We reams the 0 gessaa arty w i fierce charges foe Any, 0- 2- Average DWy Brier fbh46g tiers Pwdssea(- a. Rocca dugs k nlwdned by mtwplyhg he daily bassets of asch -poet Of your morn Y:-i-. .h dvarrce, p-hets t, Witold v-W..0 apadd Pudhesa7 by the coneWooding daily passift muW cut hi beam M 0.0 Pr 'ate the damaily dp« ocle, tr 01141 of asm aegmen Of yew oc c to ri deny balelR i -h aagem'1 io?dnha'hadallyrd dduriYwss to snit r i yaaOA PA ° w deriodic inn .os doge for -Ch .genre. We add age the owns ho e.Ch sepnwr[ u aW- as cis mod paiudic irhartta creeps for you a¢otnc accwaa To geeuke ri ri dig bslart¢ for each foe a ss roar d vow , M bAf+d+O sepnen and atn any sew tisaosies and wW padadc irtarre I n c k dated m the pmiws day. balance lot than -yore We die wbn.a Awl, P-V-- O « codas posted e of Ow day duw an clouted to that tmpmsrt. Tlic give - ri rgie daily balance for BakrraaapeY of acsuc ibwer«. N you paid tot ywa prewws .tnetmvwa b id Iw if y- iws vAive ova awe w • reeds A.euq, new pow m gee Pads-a « W+dd Purchlee =Wnsee s an rot added m the daily behest- We raludne the -Age diy bd.- by Adding at she ttiy balers. to(plse and dividng ri Asa by ri rsra6es d the days in ri tartan big cycle. To c6c l.ta Vow most imAnca Berge, .Mply yw awwge =V=- by daily periodic tee And by the nutbe his billing period. Due to roL. *V m a daily bads, dove stay be ¦ lift d ry was--cA1cuIwIon ad. wd is Aeaoi of b. It ri tale Z A N Appr n m ds toot M this natessa rcn m 'BA1.- Ram Applied To: Ore .bldg ds 1 EMU" IWeat t Hall= Ywt p ytnem w11 be credited m year acorn i of vile doe we rn=ioe N. plodded vat send rite bW- portico of der taeterman and yaw Check in ri -doWd rmh:L,. 3ln? en ?o P, and gar PAyrnew k scaived At our pro takV mdn by 3 nP.yh.ri wits-ed to our K role a Georgia Prose-imp am« im h r d-d m a budrna day ot, Ymwes ad6ea-d to m WAalhhgtm phoeeawy Caner anent h necwssd m A business dry by 3:00 p.m, pf. Plta- Now n lean five (5) bhsnss days for pond ery. Paymama '--feed by - w any ado boar w in wodw toes nay cot be crodiud ri -Ore day we noire them. Ow brnsh?M days an Monday M 1wgh Snudsy, exclo CW holiday.- flume do not ti nWli. PW+r dip., arc Wen Pepwhg yon PrymM. CUSTOMER AGREEMENT UVW1 Z-l 1 ns to 'aplfal One.c) We are pleased to open your credit card account This To get to daly balance for each segment of your account, we tale the merit contains informafion about your account Please read it and keep it for your _ berg fnr each segment and add any new transactions and any , des In this Agreement the words `you; yow and $y is` ref?rrb-each per&cili wiw - fay ? =` ^'}-- ? L- d en the -P-ADus day's bakince for that :d the application and to anyone else who uses The arxxrtrrhf in any way. Each of you s 3rnzrd We than subfiact any payments or credits posted as of that day that J-nvdualfy and jointly obligated under this Agreement The words 'we, "'us' and `our' are mated to that segment This gives us the separate daily balance for each n Capital One Bank and its successors or assigns. We can delay enforcing our rights segmand of your account However, if you paid the Nov Balance shown on your ar thm Agreement without losing them prevbm start in fort (or if your 14&w Balance was zero or a credit amount}, ig Your Account You can make purchases and obtain cash advances (d we have tea tansacfxmrrs which post to your purchase or special purchase segments are ;rou that cash advances are an option for your account) by using your card. account not a?ied to ft daily balances. and any account access checks (Including Purchase Credt, Convenience bee To calicutate yohr total finance charge, multiply your average daily balance by , cat, Special Transfer Checks and other similar checks) Scat we Tray send to you. the d* periodc rate and by the number of days in the billing period. Due to ' M we provide you with arcpunt access theft, we will felt you whether they will be s, there may be a slight variance between this rorosrdeag on a dally bas i=d as puudhases, cash advances, or special transfers. lhhless we fall you otherwise, ealedamai and the amount of finance charge actually assessed venrencq Checla will always be treated as cash advanom F. Cash Advant~ Fee. If a cash advance fee apples to your account, you were r card or account cannot be used in connec i on with any IntmwA or illegal gambling told the be when you opened your a=DlrnL The fee wilt be charged each time saciions. Your card and account may only be used for valid and lawful purposes If you obWm a cash advance and will be added to the cash advance segment of use. or slaw somedne else to use, the card or account for any impermissible your amwi t and will reduce your available credit The amount of the cash rose, you will be responsible for such use and may be required to reimburse us and advance to will be added to other finance charges on your periodic statement :tarCard International Incorporated or Visa USA, Inc-, as applicable, for at amounts or for the pwpme of calculating the annual percentage rate disclosed there. This :rises we or they pay as b result of such impermissible um may cause the amoral percentage rate disclosed on your statement to be agree that we are not responsible it anyone refuses to honor your accourd- If you do greater than ft antral percentage rate that was dsclosed to you when you use your account, you may cancel l by calling our Crrslorn r Re>atiors department WmW youaccotttd. destroying your card(s) and account access checks within 30 days after you receive G. ren;; aW Reduction in Finance Charge. We reserve the right to not assess TL any or id E mm charges for arty given billing period. :h Equivalent Transactions. If cash advances are an option for your account. You Other Fees and Charges. The following fees may be billed to the purchase _use ur account to urciase hems that are directly convertible to cash These cash segment of your account, runless otherwise specified, in every billing period in ivalent transactions mull be create as car a vane rsrtwWbe-bified-t -the-c-ash wb h tey a . • late payment fee if we do not receive your payment in time for one s°grriennt of your account Cash equivalent transactions include the purchase of lt to be credited by the following statement closing date; ore im ee you ;.iarsfer money orders, Set;, lottery lickes, casino gaming chips, and other simirar accowd for any segment of your account) goes or s 2ys above any iemporanly Jucts orservices or permanently assigned credit limit, even K we approved the overfim4 amount, rr Credit Limit You were told your credit frmif when you opened your account You at any fine during the billing cycle (regardless of whether you went overrimil as ) may have different credit limits that apply to ditfererd segments of your account a result of a bansacfion, finance charge, or any other fee or charmer returned cih as purchases. cash advances, and special f ansfersr These credit fiirmis will be che& bp_ knpased every time a check is returned to us for any reason, or if we hfffied on your periodic statement You agree to make purchases or obtain cash cannot hormryouraccount access checks for any reason, and copying charges antes ray up to the relevant credit limit. We may increase or decrease your credit kir dupfnalle: copies of transactions or statements unless required for biting is at any fine, may irnlt the amount that is available for cash advances, or may dispute resolution These fees and charges will not be assessed if your bifng Jude cash advances entirely from your account We may honor transactions in excess address was b Puerto Rico when your account was opened. The fee and ,your credit kr4 even lt those transactions result it an overfimft fee, and those charge amounts were disclosed to you when you opened your account if any of isactlDRB and fees will be covered by this Agreement them tees or charges are changed subsequent to your account opening, you dng Payments. You promise to pay us all amounts due resulting from Or- use of your will be s of the new amount We reserve the right to waive these fees cant, indudmg any finance charges and other charges due under the terms of this wChoul PdOF notification to you. ernerit Payments must be made in U.S. dollars. Payments made by a riegofabie Me izip Fee If your account has a membership fee, it was disclosed to you whir you opened your account The fee will be billed to tie' purchase rument such as a check or a money order must be in a form acceptable to us and be om on a U.S. financial institution. We may allocate payments among the various segmed of your account mends of your account in any way we determine. CrKM Bureau Information. You agree that We may obtain your credit i must pay at least the minunum amount due by tie date requested on your statemard kAxrnaft from credit reporting agencies at any fume for the purposes of wofd a late payment fee. However, you may pay more Scan the ff"mum payment or monaming yotr credit perfomharim, managing your account and considering the balance in full. In any case, finance charges will continue to be assessed during you for new offers and programs. hg periods that you carry a balance regardless of whether or not Yom statement FuWre Offers. The ferns of any future offer will be dxclosed to you at the time ws a minmrum payment due. the offer is made. If you accept an offer, the temps will become effective can accept late payments or partial payments or checks and money orders marked Imirnediably unless otherwise specified in the offer. fmard in W or other similar language without losing arty of our rights under this DdaulL We may consider you to be in default under this Agreement if (a) you aeme, rit, including our right to receive payment in full. U to par the minimum payment on firma, (b) you exceed your tread fumit, or (c) iodic Statement Each month you have a balance in your account we will send you you pay us with fwds that me refunded for any reason. To the extent permitted i atement showing all transactions billed to your amount during the billing period. The by law you may arso be in default under th s Agreement if (i) you violate any of ng period is the time from one statement dosing date trough and including the next the oilier lens of this Agreement, or any of the Perms of any other agreement emerd cbsilmg date. The statement dosing date determines the month of a specific wIM us or any of our affiliates, or (2) you made any false or misleading ig period. For example, your January billing period is the billing period with the statements our ymir application, or (3) bankruptcy or other insolvency emend closing date in January. proceedmgs are irs6hrted by you or against you. After you are in default (or ante Charge Information. after we give you any nDfice of or right to cure the default it required by law), we Gram Period You will have a minimum grace period of 25 days without finance may restrict Ymx acatrd tom new transactions, or dose your account and clarraahd p imediate payment of the entire outstanding balance. In addition as a rga on new purchases, new balance transfers, new special pturdwes and new other rges if you pay your total New Balance as shown on yqul periodic statement in ful , result of the deft ill, your minimum payment may increase without advance in lime for lt to be credited by your next statement closing dal.- There is no grace ,od on cash advances and special transfers. In addition, if you did not pay the Total nok-- To the a' >d I permitted by law, you agree to pay all court costs and collection v Balance from the previous billing statement in full and in lie for lt to be credded by exp Incurred by us in the collection of any amount you owe us under this AgreemeziL If you default and we refer your account for collection to an attorney r next statement closing date, there is no grace period on any transaction. nnit our salaried employee, to the extent permitted by law, you agree to who is qcrxuing Finance Charge. Transactions which are not subject to a grace period are pay reasonable atarnefs' fees. You also agree to pay any costs we may incur essed finance charge as follows: en in ru your your cards. including any torts we may incur by ha+%mg your made during the current billing Period: from the transaction dale. ted list account rmt pt3 place fist tric on a res hdated transactions and transactions made with account access checks: from the date ff You Close Your Account. You can request to dose your account by calling transacdron is processed to your account our Cusinarres Relafiors departrrw_nt You must destroy all cards and account snsactions made prior to the current biting period: from the first calendar day of the access decks, cancel all preauSaorrzed billing arrangements, and cease using -ant bfilmg pDafod. your account. If YOU do not canC?i preauthorized bifing arrangements, we will -- - - - • -_...?_ r ... -n,,,ro frnm the previous billinq period in full, consider nzaipt of a charge your authorization to reopen your account -- - - - - -• _. r a a ce i -0 vrw nAv aft amnnnfs you owe 3. Accruing France Charge. Transactions which are not subo-cl ID a grace period are GSM-Da fumy charge as follows. Transactions made during the current billing period: from the transaction date. -Undated transactions and transactions made with account access cheek from t ie date he transaction i?proi~ssed to your account _- Tra-msacliDns made prior tD the current bitting period: from the first calendar day of the mil-rent bring period tddifionally, if you did not pay the New Balance from the previous bffing. period in full, nonce charges continue to accrue to your unpaid balance unl the unpaid balance is aid in full. This means that you may still owe finance charges, even if you pay the enfira lew Balance indrmated on the front of your stateirwil by the ne>d statement dosing dale, ut did not do so for the previous month. Unpaid finance charges are added tD the ,pp6cabl° segment of your account :. Minimum Finance Charge. For each billing period that your account is subject to a nance charge, a minimum total finance charge of $DSD will be imposed fi the total nance charge resulting from the application of your periodic rate(s) is less than $D.51), ,e vnl subtract that amount from the $0.50 minimum and the ddference will be breed to ra purchase segment of your account Periodic Rates We determine the daily periodic rate by dividing the annual percentage r.'-... by 365 and rounding it tD the nearest Ill DD,ODDIh of '1% The rate may be different Pr each segment of your account (e.g., cash advance, purchase, special purchase, and Decial transfer U applicable for your account). You were told the daily periodic rate(s) then you opened your acwunl and A appears on your statement . CaiculaUng Finance Charge. Finance charge is calculated by nwlliplying the daily dance of each segment of your account (e.g., cash advance, purchase, special transfer, id special purchase) by the corresponding daily periodic vale(s) that has been -evioutsly disclosed to you. At the end of each day during the billing period, we apply the 30y periodic rate for each segment of your account to the daily balance of each T f-the-billing-period-we-add-up-the-msutk-af-tAese-daily - ?imula6oas to arrive at your permdic finance charge for each segment We add up the :suns from each segment to arrive at the total periodic finance dmarye for your acmount ement anelor temporarily or permanently suspend your credit privileges. This des, but is not ranted to, situations where you have violated this Agreement or where ave reason tD doubt your treditwDrthiness. Your obbgafiorms under fhs Agre-runt nue after your rights to obtain credit have been terminated or suspended. We may in enforcing our rights under this who is not our salaried employee, b the extant permitted by taw, you agree to pay reasonable affomeys' fees. You also agriy fD pay any costs we may incur in mt loft your cards, including any costs we may incur by having your account placed on a restricted list if You Close Your Account. You can request to close your amount by caring _oLy- Cwtomer RelafionsJiepiartment You must destroy all cards and account access ccheres, cancel all preauthorized billing arrangements, wend cease using your account If you do not cancel preaufhorizEd billing arrangements, we will morsidar receipt of a charge your authorvabm to reopen your account Additimally your account will not be dosed. uintill you pay all amounts you owe us i ndu&q any transactions you have authorized, finance charges, late payment fees, over" fees, returned check fees, cash advance fens and any other bes assessed to your account You are responsible for these amounts whetfier they appear on your account at the fine' you request to dose the account or they are hmirred subsequent iD your request to close the account This may result in charges appearing on your amount after you have requested the account tD be dosed or the reopening or your account if it has already been closed For example, if you authorized a purchase from a merchant and we receive the transaction from the merchant after your account has been dosed, your account will be reopened, the amount of the charge will be added to your a=unt and you will he responsible for payment If there is a membership fee for your accant, the fee will continue to be charged, to the extent permitted by taw, until the account balance has been paid in full as defined above. It you want to slop an authorized user's access to your account, you must call our Customer Relations depatriant and destroy the users card (d any) and any account access checks he or she may have. If you are minable to destroy that person's card and account access checks, and you call our Customer Relations department to dose your account, your account will be dosed and both you and the joint c ardhoider, ti any, may apply for a new account If we close the account, you and the joint cardholder, if any, wig still be liable individually and together, for all amounts charged to your account tf We Cancel Your Account or Suspend Credit Privileges. We rav at any time, with or without cause and with Dr without advanca notice, 1ani71n3fe [,'cis L'E 1J o I 1) n C I l 7 ?F'u J (f f. CAPITAL ONE BANK, COURT OF COMMON PLEAS OF PLAINTIFF CUMBERLAND COUNTY, PENNSYLVANIA V. LOUIS U. RICE, JR., DEFENDANT 06-5092 CIVIL TERM ORDER OF COURT AND NOW, this M day of August, 2009, the appointment of Robert M. Frey, Esquire, to the Board of Arbitrators in the above-captioned case, IS VACATED. Robert G. Frey, Esquire, is appointed in his place. By the C6"urt, Edgar B. Ityley, J. -Jerry Weigle, Esquire Chairman --4obert G. Frey, Esquire Court Administrator - oapy :sal f CS gnat Co L-L F!LEL 4 THE NARY 2009 AUG -4 AN 9: 00 Capital One Bank Plaintiff Louis U. Rice, Jr. In The Court of Common Pleas of Cumberland County, Pennsylvania No. 06 _ 5042 Defendant Civil Action - Law. Oath We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United States and the Constitution of t Commonwealth and that we will discharge the duties of our office fidelity. Signature Jerry A. Weigle, Esquire Name (Chairman) Weigle & Associates, P.C. Law Firm 126 E. King St. Address David J. Foster, Esquire Name cos a a s J, Law Firm 831 Market St. Address PO Box 222 Signature Robert G. Frey, Esqu Name Frey & Ti Law Firm 5 South Hanover Street Address Shippensburg, PA 17257 Lemoyne, PA Carisle, PA 17013 City, zip City, Zip City, Zip ? / L. S 4 l A I A4wards ? / 1 D?F3 We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note: If damages for delay are awarded, they shall be separately stated.) The Arbitration. Panel finds in favor of the Plaintiff and against the Defendant in the amount of $1850.00 pursuant to an agreement reached between the parties prior to hearing. . Arbitrator, dissents. (Insert Ane if applicable.) Date of Hearing: 9-30-09 (not held) I L4 r ?ai&an) Date of Award: / l•- %?/ - Notice of Entry of Award Now, the JAJ day of j? Q , 2001?, at 1e,ya, _jq_.M., the above award was entered upon the docket and notice thereof given by mail to the parties or their attorneys. Arbitrators' compensation to be paid upon appeal: $ .3$(,,,06 By: Prothonotary Deputy 2IT19 D C _"J I{ ii i il'3- w, L GOP t ES •?-?atc -1 Rti a :`x-yt r WELTMAN, WEINBERG & REIS CO., L.P.A. BY: Sarah E. Ehasz, Esquire I.D. No. 86469 436 Seventh Avenue 1400 Koppers Building Pittsburgh, PA 15219 Phone: (412) 434-7955 Fax: (412) 338-7130 File # 53 18154 Attorney for Plaintiff(s) CAPITAL ONE BANK vs. LOUIS U RICE JR CUMBERLAND County Court of Common Pleas No.: 06-5092 PRAECIPE TO DISMISS WITH PREJUDICE TO THE PROTHONOTARY: Kindly dismiss the above matter with prejudice . WELTMAN, WEINBERG & REIS CO., L.P.A. By C.. Sarah E. Ehasz, Esquire Attorney for Plaintiff rx -c3 rnw z? cnr ..<e rz 0 2Q x 4= c_ r.? '.4 N C) ?ry rnF "J rx ,-a cLi -i< ?- C r'' 1111111101111111111111011111111111111 Rill IM1111111111111