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Home My WebLink About06-5204 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff No: QL - ray cicitL? - VS. / COMPLAINT IN CIVIL ACTION REBECCA J CLAIR Defendant 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 05214664 C A Pit KEB IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. Civil Action No REBECCA J CLAIR 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: REBECCA J CLAIR 106 N LOCUST LN MECHANICSBURG, PA 17050 3. Defendant applied for and received a credit card bearing the account number 4121741459844051 . 4. Defendant made use of said credit card and has a current balance due of $2308.03 , as of August 17, 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 17, 2006 . A copy of Plaintiff's STATMENT is attached hereto, marked as Exhibit I'll, 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 , REBECCA J CLAIR , INDIVIDUALLY , in the amount of $2308.03 with continuing interest thereon at the rate of 25.900W per annum from August 17, 2006 plus costs. .. - 74e armbrodt,42524 V T , WEINBERG & REIS CO., L.P.A. 6 venth Avenue, Suite 2718 .itt burgh, PA 15219 (41 434-7955 412-338-7130 214664 C A Pit KEB This law firm is a debt collector vattempting to collect this debt for our client and any information obtained will be used for that purpose. m, Your account is delinquent. i t ?'?? ? ?taetrA We want to help! -)To protect your credit with us, you need to make a payment. -j We an 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 usl 1-800-479-7231 aymm CAPI?OW VISA ACCOUNT JUN 04 -JUL 03,2W3 4121-7414-5984-4051 Age 1 d 1 A.t Svmvaty Paymenm,CrednadAdjvammvm Pm1wm, B.I.. $1,748.43 I 03 JUL PAST DUE FEE CREDIT 635.0 Aymenv, Cmdimavd Adjmvnema $64.00 2 03JUL OVERLIMITFEECREDIT 29.00- Tnnacriam !64.00 I.. Chaga $27.48 Tnafm Nar U. $1175.91 3 04 JUN OVERLIMIT FEE $29.00 Mit&num Amount D. $1175.91 4 03 JUL PAST DUE FEE 35.00 Aymem Due Dm AnS mt 02, 2003 We undaaand tha wmetimo it may be dil6cvlt m pryyu'w bill on rime. The'. whywek waiad pet due Tm9 Coedit Live $200 movahmk fe fm dus billing prod ivmda m hdp yoorttmn your xomot m guodvanditg fata. Wnh Tam! Aaaihble Credit ' ' $.00 our! waim peogun, mom ofyom pymaa will be mWid w lw ontmuling bdavice, thereby reducing Crd me fm Cash a L !200 theamoumyouowemwequlddy.Fmme chagawUl mndmemaWytoyomaamrm,nit's w1iinyvm M.Uk a Cxdit fa Cash f.00 ben imeren m Babe the lugs pymem poadbie. Thu waisv u f thin billing paved only. Atyaavarvim Yoawerevosd a p. d. fw of !35.00 on 07103/2003 baauee your minimum p m: caw not rereiad by the dm dm °(07/03/2003. To avid this f in the bmae, we monamed this you T. aSOnnw,a Rd,4n,wto n wt•iwt m,mim ar4 allow atlaet 7 bminam days fm you pyt'wm to eewh Cspiui Om. 1-800-262-1493 Pa hoe Mwe,ceust.aria net ,pd,l auroaar oHwn ]q a to- waw.optd0,-mm swii'amu tw Seodwga'vi-m Atm: ,uA ow.ung ?serrra?r- Cyuo im on, GPdOg {Ls/Y`IYiiNY111? 9 147 P.O. B. P.O. Bur floo RifimondVA VA 232]6 R'vlmwd,VA VA21285-5015 FinR=Chanp P]awaansoww.**i /Mm,r GJnanroa R.G.u.r. 1'lr'Jh P..-4 6,.aw.bnr b7NAT1CE M, APR _ CHARGE PURCHASES 8;390.66 o.90n 827.4$ CASH $10 33.9#6 8.00 ANNUAL PERCENTAGE RATE applied this period 25.90% ? PLEASE RETURN PORTION BELOW WITH PAYMENT. "1opftwow 0000000 0 4121741459844051 03 1275910075001275912 Aimeprwaar:l:HaLw,? ,.aNe6arry blw-w4x8awlxd vex New Brava $1375.91 Minimum Amw nDue $1375.91 svwi Apce Paymem Dm Dm Augur 02, 2003 ca sm z@ Toml<mloxd f Hcae Dune ,u.m Pbn, AmomaNambae. 4121-7114-59844051 e Em,d Addru X9018593423652226# MAIL ID NUMBER Capital One Bank REBECCA J CLAIR r PO. Box 85147 1,1nIn1,1u,1Wu11 "7 18 N FRONT ST 1 R . ichmond, VA 23276 a` LEMOYNE PA 17043-1327 L,LLJLn161LndnIL,I1nnlLalh,,Il„?IL,dlad6nl ? lettlllarllLndnlerlLenllndLntLlhahetllL,Ltdhl Plaw wireymermwr a,w,x,eaaywae3ax w maary ad,.a,ad,pyaXren rap;rr oaa Raax aaea,mr;a rti<.n<waeaoaeµ , L 0 2002 Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. a® a? 8 e ?opewq•°°°e: w.mw.w .ea ?.., aw e. b. ml w o mr nv w•wws mwm. uses... naps. Issess w ww are •...e re On lone sepses b w r arum. nec =====Z areas tc. I?w Fer.? OoF. 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IScrNyrgwe?eE art0 .1 rries Ws rex alri raV(. • anrP Win oNSrM m ragas pn We pn ryseol Corpw. M rlyrb rwnwE, -2003 IV antes. atlewulY. W..m.n M as Es aobe G.ImI Ow O1LOta.II 499905 O O Important Notice: Your payment will be credited to your account as of the dais we receive it, provided you send the bottom Portion of this statement and your check in the enclosed remittance envelops, and your payment I. 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. W. Please allow at hest five 151 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. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa. C.S. §4904 relating to unswom 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 knowiedge, informati? and belief. C. Warmbrodt, Esquire p ?.o to ~?? `?) I top . r CAPITAL ONE BANK Plaintiff VS. REBECCA J. CLAIR, Defendant To: Capital One Bank c/o James C. Warmbrodt, Esq. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 06-5204 CIVIL TERM CIVIL ACTION NOTICE TO PLEAD You are hereby notified to file a written response to the enclosed New Matter within twenty (20) days from service hereof or a judgment may be entered against you. YOFFE & YOFFE, P.C. Date: November 2, 2006 By oere . Yoffe, q. Attorney for Defendant 214 Senate Avenue, Suite 404 Camp Hill, PA 17011 (717) 975-1838 Attorney ID No. 52933 jyoffe@verizon.net CAPITAL ONE BANK : IN THE COURT OF COMMON PLEAS Plaintiff OF CUMBERLAND COUNTY, PENNSYLVANIA VS. : NO. 06-5204 CIVIL TERM REBECCA J. CLAIR, Defendant CIVIL ACTION ANSWER AND NEW MATTER 1. ANSWER TO COMPLAINT 1. No response needs to be filed to paragraph one of the complaint, because the filing of the complaint is barred by Pennsylvania's 4 year Statute of Limitations found at 42 Pa.C.S.A. §5525. In the alternative, in the event it is deemed by the Court that a response is required, the response is: Admitted. 2. No response needs to be filed to paragraph two of the complaint, because the filing of the complaint is barred by Pennsylvania's 4 year Statute of Limitations found at 42 Pa.C.S.A. §5525. In the alternative, in the event it is deemed by the Court that a response is required, the response is: Admitted. 3. No response needs to be filed to paragraph three of the complaint, because the filing of the complaint is barred by Pennsylvania's 4 year Statute of Limitations found at 42 Pa.C.S.A. §5525. In the alternative, in the event it is deemed by the Court that a response is required, the response is: Admitted. 4. No response needs to be filed to paragraph four of the complaint, because the filing of the complaint is barred by Pennsylvania's 4 year Statute of Limitations found at 42 Pa.C.S.A. §5525. In the alternative, in the event it is deemed by the Court that a response is required, the response is: After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the exact balance as of August 17, 2006. Paragraph 4 of the complaint is therefore denied and proof is demanded. 5. No response needs to be filed to paragraph five of the complaint, because the filing of the complaint is barred by Pennsylvania's 4 year Statute of Limitations found at 42 Pa.C.S.A. §5525. In the alternative, in the event it is deemed by the Court that a response is required, the response is: After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether the relevant contract contains an acceleration clause which causes the entire balance to be immediately due and payable to the Plaintiff. Paragraph 5 of the complaint is therefore denied and proof is demanded. 6. No response needs to be filed to paragraph six of the complaint, because the filing of the complaint is barred by Pennsylvania's 4 year Statute of Limitations found at 42 Pa.C.S.A. §5525. In the alternative, in the event it is deemed by the Court that a response is required, the response is: After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of paragraph 6 of the complaint and whether the interest rate charged is the proper rate as required by the relevant contract. The same is therefore denied and proof is demanded. 7. No response needs to be filed to paragraph one of the complaint, because the filing of the complaint is barred by Pennsylvania's 4 year Statute of Limitations found at 42 Pa.C.S.A. §5525. In the alternative, in the event it is deemed by the Court that a response is required, the response is: Admitted. WHEREFORE, Defendant requests that Plaintiffs complaint be dismissed. Il. NEW MATTER 8. Paragraphs 1 through 7 above are incorporated herein by reference. 9. Plaintiffs cause of action set forth in the complaint and the filing of the complaint is barred by Pennsylvania's statutes of limitations. 10. Plaintiff s cause of action set forth in the complaint and the filing of the complaint is barred by Pennsylvania's 4 year statute of limitations set forth in 42 Pa.C.S.A. §5525. WHEREFORE, Defendant requests that Plaintiffs complaint be dismissed. YOFFE & YOFFE, P.C. n By ` E F eYN-.Y JOF-FESQUIRE Attorney for Defendant 214 Senate Avenue, Suite 404 Camp Hill, PA 17011 (717) 975-1838 Attorney ID No. 52933 jyoffe@verizon.net CAPITAL ONE BANK IN THE COURT OF COMMON PLEAS Plaintiff OF CUMBERLAND COUNTY, PENNSYLVANIA vs. NO. 06-5204 CIVIL TERM REBECCA J. CLAIR, Defendant CIVIL ACTION CERTIFICATE OF SERVICE The undersigned certifies that on the date indicated below he served a copy of the foregoing pleading on the below individual. Service was accomplished by mailing the same by First Class U.S. Mail addressed as follows: James C. Warmbrodt, Esq. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Date: November 2, 2006 YOFFE & YOFFE, P.C. By 4d" effre . Yo fe, Esq. Attorney for Defendant 214 Senate Avenue, Suite 404 Camp Hill, PA 17011 (717) 975-1838 Attorney ID No. 52933 jyoffe@verizon.net VERIFICATION I hereby state that I am an adult individual who is authorized to make this verification and that the facts set forth in the foregoing Response to Complaint are true to the best of my knowledge, information, and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Dated: "" REBECCA J. CLAIR t ? Cx7 ? t ?r: - t G IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA, CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, No. 06-5204 Civil Term V. REPLY TO NEW MATTER REBECCA J. CLAIR, Defendant. FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt, Esquire Pa. I.D. No. 42524 Weltman, Weinberg & Reis, Co, LLC 2718 Koppers Building 436 7`h Avenue Pittsburgh, PA 15219 WWR No. 05214664 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA, CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, V. REBECCA L CLAIR, Defendant. REPLY TO NEW MATTER 8. Paragraph 8 of Defendant's New Matter contains no averments to which a response is required. To the extent that a response may be required, Plaintiff incorporates Paragraphs 1 through 7 of its Complaint as though herein set forth at length. 9. The averments contained in Paragraph 9 of Defendant's New Matter constitute conclusions of law to which no response is required. 10. The averments contained in Paragraph 10 of Defendant's New Matter constitute conclusions of law to which no response is required. Respectfully Submitted, Jame C. Warmbrodt, Esquire Pa. D. 0.42524 W tman Weinberg & Reis, Co, LLC 2 18 Ko pers Building PA 15219 W WR No. 05214664 400 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 Reply to New Matter, and that the facts set forth in the foregoing Reply to New Matter are true and correct to the best of his knowledge, information and belief. James C. brodt, Esquire Pa. I.D. o. 2524 Welttops inberg & Reis, Co, LLC 2718 , p Building 436 7th A nue PA 15219 WWR No. 05214664 i CERTIFICATE OF SERVICE The undersigned hereby certifies that a true and correct copy of the within Reply to New Matter was served on the following on this i 68 day of ?, w ml9-er` , 2006, by first class, U.S. Mail, postage pre-paid: Jeffrey N. Yoffe, Esquire 214 Senate Ave, Ste. 404 Camp Hill, Pa 17011 am armbrodt, Esquire a. D. No. 42524 V) ltm , Weinberg & Reis, Co, LLC 18 ppers Building 367 Avenue 'itts urgh, PA 15219 WWR No. 05214664 ? r 7 r; r_r ti ?? ?? ?-__ C.,'°i SHERIFF'S RETURN - REGULAR CASE NO: 2006-05204 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK VS CLAIR REBECCA J MICHAEL BARRICK Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon CLAIR REBECCA J the DEFENDANT , at 1831:00 HOURS, on the 21st day of September, 2006 at 106 NORTH LOCUST LANE MECHANICSBURG, PA 17050 by handing to REBECCA CLAIR a true and attested copy of COMPLAINT & NOTICE together with 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 nn 36.80/ 09/22/2006 Io ION/n G WELTMAN WEINBERG RE S ?- Sworn and Subscibed to By: before me this day Deputy S riff of A. D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, VS. REBECCA J CLAIR, Defendant. Case No.: 06-5204-CIVIL-TERM MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R. Bibler, Esquire Pa. I.D.# 93598 Weltman, Weinberg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 5214664 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, Case No.: 06-5204-CIVIL-TERM VS. MOTION FOR SUMMARY JUDGMENT REBECCA J CLAIR, 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 $2308.03 with interest at the interest rate of 25.9% per annum from August 17 2006, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiff's Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around June 17 2008, 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. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that she has made no payment on the credit card since JANUARY 3 2003; that she applied for the credit card; that the statements attached to Plaintiffs WWR No. 5214664 Discovery Request correctly identify the payments, charges, and balances on the account; that she has not submitted any written disputes as to billing inaccuracies; and that as of August 25 2008, $2308.03 is a correct and accurate balance on the credit card account. 7. By way of her 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. 8. 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 $2308.03 with interest at the legal interest rate of 25.9% per annum from August 17 2006, and costs. Respectfully Submitted: By: VL/ Benjamin . Bi er, Esquire Pa. I.D. 9359 Wel , einberg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 5214664 EXHIBITJ=- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff VS. REBECCA J CLAIR Defendant No: 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 05214664 C A Pit KEB IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff Vs. Civil Action No REBECCA J CLAIR 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: REBECCA J CLAIR 106 N LOCUST LN MECHANICSBURG, PA 17050 3. Defendant applied for and received a credit card bearing the account number 4121741459844051 . 4. Defendant made use of said credit card and has a current balance due of $2308.03 , as of August 17, 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 17, 2006 . A copy of Plaintiff's STATMENT is attached hereto, marked as Exhibit I'll, 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 , REBECCA J CLAIR , INDIVIDUALLY , in the amount of $2308.03 with continuing interest thereon at the rate of 25.9001 per annum from August 17, 2006 plus costs. r(41 e C+. Warmbrodt,42524 T , WEINBERG & REIS CO., L.P.A. venth Avenue, Suite 2718 t burgh, PA 15219 434-7955 412-338-7130 0 214664 C A Pit KEB 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. cap Your account is delinquent. We want to help! i CA -? 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 ow„10 Ca 3 t Ones VISA ACCOUNT JUN 04 - JUL 03, 2003 4121-7414-5984-40S1 Page 1 of 1 Accotmt Summary Pay-ter, Credits and Adjustments Previous Balance $1,748.43 1 o3 JUL PAST DUE FEE CREDIT S35.00- P=Credits and Adjustments ? 0 2 03 JUL OVERLIMIT FEE CREDIT 29.00- Finana Charges 527.48 Transaction New Bahutce $1,275.91 3 04 JUN OVERLIMIT FEE 529.00 Minimum Amount Due $1,275.91 4 03 JUL PAST DUE FEE 35.00 Payment Due Date A"02,2003 We understand that sometimes it may be difficult to payyour bill on time. That's why we've waived pest due Total Credit Line 5200 or ovealimit fee for this billing Period in order to help you to= your socount to good standing finer. With Total Available credit i $.00 our fee waiter program, more ofyour payment will be applied to your outstanding balance, thereby reducing Cred t Lice for Cash il f A bl C di C h 5200 00 $ the amount you owe more TdWy. Finance charges will continue to apply to your account, so it's atilt in your va a or as e re t . beat interest to matte the largest payment possible. This waiver is for this billing period only. Atyour service You were asessed a pat due fee of 535.00 on 07/03/2003 because your minimum payment was not the due date of 07/03/2003 void this fe in the f nfre w rec ived b To reco me d th n To cal Qutomar Relations or to spat aeast or ago card. . a e , e y e m n i you allow at least 7 business days for your payment to reach Capital One 1-800-262-1493 Fwf ft mline arms-t mvice and spa" anto-er offers, lot on to -c.piaalocaw- Sad P'7naeou ter: AWL Ramutance Proomang Capud Oar Sesvi- P.O. Bar 85147 RiduowA VA 23176 Send ioga'vim to Capiul Oft S-k. P.O. Bus $5015 Rirb-oad, VA 23385-sots Finance Charges Pfeeusar revewAkf err imfeartaat ia)6rsotiaa '* _W_ WE A PURCHASES :1290.66 .070%% 25.90% 827.49 CASH 8.00 .070%% 25.90% a.00 ANNUAL PERCENTAGE RATE applied this period 25.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. Y ?a 0000000 0 4121741459844051 03 1275910075001275912 New Balance $1.275.91 Minimum Amount Due 51.275.91 Payment Due Date August 02, 2003 Tod eudoed 5-? Account Number. 4121-7414-59844051 A6.pr.r,e l e? r-naaralerralekaruaig 66r>Hadink sacs Apt a My Seem 2iP Home Pbm Alen-n Ph- #9018593423652226# MAIL ID NUMBER Capital One Bank J? REBECCA J CLAIR P.O. Box 85147 t t t it t ll `* !? 18 N FRONT ST r u u e m s at a r Richmond, VA 23276 LEMOYNE PA 17043-1327 01 laeltltlll 11112111111% llulluallusllusllu a 1111111111111111 ° luelllntlllu t little ell t o gall t tllanal t lire alratlrlu lratllrl Pierre writayaar mmmod amber on yo rdml w money wJw sadr fesyyab& to C*dd OneBant end nail in the exdWeden%wAo pA r ® 2002 Capital One Services, Inc Capital One is a federally registered service mark All rights reserved. Z? i ltltltl? r r ll? g gm M O tV llmtr To A-M A FYrree Gee.. pdoaC rso. To obw a. ease Peril. Vou wen hew • reirirmo space Perod of -V I- eeYaed 26 dep Widest Mnatlce da on mrsvv padrsee; row balarAa frrdest, no. spoor pladu s" and new a*- believes, of t m -.h dwrpe N you sV yea mm 'Now BaW" M aaatmtrs VAIN th. his rms Nrios IN Pattern bolos or Credit. (N tha sea mtrrma nod to 'b rid In ears for e a be aatltad by Yaw I" ¦alrMll wAUad any urpstd 1 tatrq ors. Thom Is no Pesos stead a cell sdvwa of each aged t.) ti rid. nrrMw. In addda, from Is no Two Plod sh=ims. Than. M a awtmreaYin it you do not pay de tar New or t beat Vareaas f 6. Ae.aabq Fberea Clear. T-oacilor. w fth are Im.t a d 11 W L . dd f metier o days In am Cry belara A,=% ade RY 3 w " en are ans .. outtect to a itme pe tram Ow does of de trarese , or 2) am ore d sa tt . P . a. Th. 'Aasso P. tlalwaL , is preoard to your Aroma or 3) ham iha 'APR' on d. Imes c Set cslo def day at lh crsarl Oklo Additionally, ' b. N d. cob P Nrbre), d O r s IO Now Balance hose Coo prdNaa If did not pay go dated in s d, - despis obniea to accrue a ,.eau harrra was era ureaid b.Irmw to Cold In IA. sr pa e. « x Ita stramre raw b Coerabard mess and an anew iota t, Wb irra Ff11 t ewtesaa Yoetq dal, but a mordc Ury.id ea... Ner=ve asps deny betarlce Sr the yam ecCwnt 0 It hes slersdy been closed For exempla, a N d tl d d uosse?a, M tesa 1110 a. seta 4y, ede am mw ma en a pa res aa a mey M if you n ndrs receive ft mrswrion hose ter reudrrs afar you and ereareDI Cory oevrarlu aceoiad hes been pJsse4 your afmoee veil be erpretl, are en the wont of use ' ore Ye d To A a dal Arson or ter cimv. VA be added to you accom, wotr eel as tal end mm N Uuu Is e orr- for s e , ea pp •eP irrolrrded In ore belrwe p y p yy to fee vve wrebew •reme•tYp M w you account r tle daaY 6darrne N serer , to M domed, rs rive eaurrt psmiaW by Inv, UPON /h Nla deBY beltllGee Coe YYI l e eC«It bdrwe ha bewO Paw b1 hA p 'above, a a iet b 7 LIA LV d m A Y r tea Ord OaMds br hood Thit paws u the r eore arv M .- - c e . or our Lad In carvasto- Wei eny Imrrret grOrlrlvp ngmwn• Rate' may appear as BILLING RI0KrS SUMMARY as ore (in Caw Of Etrom Or Ouewbe About You 941 09010, C IcaNfoste a N yw sock Your WI Is wiamo, r N VW Mae mom d *Prm en dw rem of iMrrr.drn en a aeaaction r ace, was e ta on a 101fih IDIOM, th pedsNe epreia Y.r as soon a peaces at fro address for )4L P@iCBiTAOE AAT® bran dw da- oa the and of tMs owns". We mum hand dada « hear from you a law the 00 =Z= = f 4 Stns ti Tad Noe 8baf y Lm N en 0"'i to Corer r p Cody disclosed to you. pass as Custsaor RMNre n=. . but debt' a are rot at an sr Mad der at your perlodc rammrr rsatq pprNaea//rrM1re Yee dote. M Yea biter, sbw u th tsaewrq YIf0111WbC your nerve ared amain la.mbe, dte deer JWy??a??n??d October. 0 - s.saa of se suspected ear, a deaalptlotm O de am It o bsMVe a" Is d g l i P m. . LlBOm or eve en d. "M N your I p an on, s?yw an exp anat ea - ere: « It yw road mass a freecdP , ad tetei Cana tlmpde /aadMp tree the ?peCeea DI perlodc mYW Nlsse IIre1 a0 fiG, M Wi wO1mG tlol summa nets a Cow p- r IOK dw adr?de ere and mtaprm - - ANNUAL F9 CWAGE Rs.V my t d Y e b I fr tha ter yw sre uwue ebeut. You do not Irv, to P•Y veld anwar In *made- wtNe M Coe Invaadwtlre K but you gd ad ?a w_ tl[duc am nm a do ero N + amour hat eve $0.5e0nmpYairmNai?redds she ditmnCe wen be tests 10 the occwxL ee*wwy R to Pbar~uase. We rwM eve td. T f i I h o an m ldase m susaa ray Very mid V M as ft rear IaeraMMY din to You. These M= ow bee prie0 dl an tae oral he of pay p y w s ?MS i =you p defnPwm aCYm to oYMn or Ms. sales Yen a mele or any s wn Wrce c arges dpld mpeadtt assets any «Y p y v v e 2. Avemse D'M haler lawirio Mwr WYre.al. a. Asorrswd N Lae, wwins end parted PaynrrR Fes. d.'r Special AN For credit card Purdw..s a. Rmwo mderse Is meleclsee M Mro eve Y Your axone we be aaaee no mac than tM m dw lea bdroe at each asprnsrs N yrr aeemre 4s4. rash and pedal puadmw spatial NYWISr ad?S descent NOW haw diet how dwM9 •rry beeq P." Und. tha area N You am- apMSrnom we -ono dw dart to N haw a =oldie tvhh to grwMy N property or Yea I . , by do ea dally PatbdC mte1M eve has been paAayy Njdmeel a VOL At 1h seed O ad, deny aakq wMve ar not to sew try fee vAdv u pin r,.dacden to widen vwlWrp eta dsM to wen dw saw m a- -r a ims dal you Pudessd wIM a credt are and you have nNd In pond 4Mn m c«mm *0 potleam was tae Yen suY how to dpa at to pay Ow ren ak ft semdrm do aa" oetb4 M MV y the dray Periodic mu b ease aped N yam amxmus OR in d mrr[a of ash S M ate 4mr dma 5. Year Aawd. It a mMMarMdp late h 90 . hashed du a de pttepanY or andeaa. You have d" pmt pYy wlri tlN =horns pea wen seas Men =seed, M add up apes. Then at ew rd of tM ove appease a to has of dds gateereL You itd t ou to d t d N 650.00 and do psMNp Me aradr In yam hear rDIS « tha rte. ON N sea deny calodadene to rove =W" =Cords arnrra td.rP W eeca apa.a. we o ommom we nma o y ays ram On ate avoid psybp do in or to how each be erWme se you wlddn 1 OD mid N your mMWea eelaae. 51 M min a nwb hem eeYr wprem to Cove DI er set Yoemode Am ice mioP for You eooerae. Te pry dw dNy Wiarra brir M tabs eo 6a n f h if you MOM Your act assn. Due" dos pad, you may rota- to rso you smoud vrrdem leveso a pry to To Crwal You sashes you ewe mrrnbaMdp Iss oprNo do I esci or It M nlahe you de advarderoora for de property «wrwce, ter .w oowred rePrdaae of uaa ws « lorelia pudese.) p he=aves at You axo . or eac 5 balance tar each sh=ahs said a0a ay tow twtrwlore - . , a b nod N yy CowP our cust ar RWtlre 0eprmwa P4eee rawm6er m YP r o«rwppderws. es drip tmimialetl a frm peNas and ,.= bys i MM sen We Vert subtract rty py y e memaDIYdp Rawl No- tei«Raawdre eMM M Y?Y Period- 'r tb.s na yYJy m ronrenr n«I-reoa aN acmads peyaoee or as" posed as of law day set in aRaatse B. R Year Case You Aeeaud. You cea esquaa in den to do wa are. Ties Ova Co so separate aeay bewten dd e a N f yyeaar seaua by cOV ter Ciraaer Asiodo e Yom castle calft and Da rena You amt destro t Ohs ter p=ly n ermbwe --.a uN acmuws uvrs.am, yw p e your eat.u.. fa aedr m=ama o New ads- arse en you peWae sts"Wra in aA for If You nnv aslenee vas. tare r • shot rsaus), Cow ci l d pa l• y &c urfi occase Chcta, carrel air preaeteerhad bmre, and Cease dnp yam epcorsd. N yw de no' tatnd biRr atrer eerate we was caeidor -outhoals capital 0- .repo.. bdomn.un pdwcy paecti m: as or web.lis st wwvv.paP.l1eeee1prtr? nom. eee r spe a usneadans vdtidr PON to YM Pw padeen seaamaa am net added to Ow assay belanoa. w. s d d r p l b ry s g , p a naip N s drtsr You mshdrson to Me yam Adderri our sceaat vow m M used aec am G=ael Qe i a fadady reel creed rrvks mark or capital 0 R 1!•rP•rDIlen. All bates marred. • 2003 w o y -to tilla y as c lobes ft swap dol tM a balascea toPder and tlYMMV se wpm by ee m be of y, y . o udt you ay as ,mane you Cow w odudrr¢ erq co" ons the asap M the coma bias cycle. To calcWm your total trmragfpr you how wAndted, arose erwrpea, peas arn.rra Yetyn, yrr aVersan all balers by tha Nyd i te 4 de tau, oveWM[ Ise, marred peyram has, nth et h atd r Coder Ina ahead in ad rts f ap r d.ay prlotle mo by rte mane =Cries Da to mudrq on a easy bowls, des may be ¦ ry y ve a amxWa. You an mrpad ,, ax dose /masaa ttdtDIhar sash wrlrwo between this ala/rtion and On emotes N troy spear on yam exact DI th ere you epue to Leese dmra acrreay reseed dose se actaesa a "Y ateincuad etisegre i is b. N sty code T «N ppesm a the ham N Nis rammam You request to does the eccou m. This may sister in nose 'aYarwe Ram Append To; rive rmNply Uri awns dean d,srsee appedrq en your ccoua awe yw Raw Closed of O1 LOLBAK 499945 Important Notion: 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 et 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. 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, informati? and belief. C. Warmbrodt, Esquire CAPITAL ONE BANK Plaintiff vs. REBECCA J. CLAIR, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PRNNRYT.V ANTA : NO. 06-5204 CIVIL TERM : CIVIL ACTION ANSWER AND NEW MATTER I. ANSWER TO COMPLAINT 117 IT 1. No response needs to be filed to paragraph one of the complaint, because the filing of the complaint is barred by Pennsylvania's 4 year Statute of Limitations found at 42 Pa.C.S.A. §5525. In the alternative, in the event it is deemed by the Court that a response is required, the response is: Admitted. 2. No response needs to be filed to paragraph two of the complaint, because the filing of the complaint is barred by Pennsylvania's 4 year Statute of Limitations found at 42 Pa.C.S.A. §5525. In the alternative, in the event it is deemed by the Court that a response is required, the response is: Admitted. 3. No response needs to be filed to paragraph three of the complaint, because the filing of the complaint is barred by Pennsylvania's 4 year Statute of Limitations found at 42 Pa.C.S.A. §5525. In the alternative, in the event it is deemed by the Court that a response is required, the response is: Admitted. 4. No response needs to be filed to paragraph four of the complaint, because the filing of the complaint is barred by Pennsylvania's 4 year Statute of Limitations found at 42 Pa.C.S.A §5525. In the alternative; in the event it is deemed by the Court that a response is required, the response is: After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the exact balance as of August 17, 2006. Paragraph 4 of the complaint is therefore denied and proof is demanded. 5. No response needs to be filed to paragraph five of the complaint, because the filing of the complaint is barred by Pennsylvania's 4 year Statute of Limitations found at 42 Pa.C.S.A. §5525. In the alternative, in the event it is deemed by the Court that a response is required, the response is: After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to whether the relevant contract contains an acceleration clause which causes the entire balance to be immediately due and payable to the Plaintiff. Paragraph 5 of the complaint is therefore denied and proof is demanded. 6. No response needs to be filed to paragraph six of the complaint, because the filing of the complaint is barred by Pennsylvania's 4 year Statute of Limitations found at 42 Pa.C.S.A. §5525. In the alternative, in the event it is deemed by the Court that a response is required, the response is: After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of paragraph 6 of the complaint and whether the interest rate charged is the proper rate as required by the relevant contract. The same is therefore denied and proof is demanded. 7. No response needs to be filed to paragraph one of the complaint, because the filing of the complaint is barred by Pennsylvania's 4 year Statute of Limitations found at 42 Pa.C.S.A. §5525. In the alternative, in the event it is deemed by the Court that a response is required, the response is: Admitted. WHEREFORE, Defendant requests that Plaintiff s complaint be dismissed. II. NEW MATTER 8. Paragraphs 1 through 7 above are incorporated herein by reference. 9. Plaintiffs cause of action set forth in the complaint and the filing of the complaint is barred by Pennsylvania's statutes of limitations. 10. Plaintiff s cause of action set forth in the complaint and the filing of the complaint is barred by Pennsylvania's 4 year statute of limitations set forth in 42 Pa.C.S.A. §5525. WHEREFORE, Defendant requests that Plaintiffs complaint be dismissed. YOFFE & YOFFE, P.C. By , E F Y N. ?6F FE, ESQUIRE Attorney for Defendant 214 Senate Avenue, Suite 404 Camp Hill, PA 17011 (717) 975-1838 Attorney ID No. 52933 jyoffe@verizon.net CAPITAL ONE BANK : IN THE COURT OF COMMON PLEAS Plaintiff : OF CUMBERLAND COUNTY, PENNSYLVANIA VS. NO. 06-5204 CIVIL TERM REBECCA J. CLAIR, Defendant CIVIL ACTION CERTIFICATE OF SERVICE The undersigned certifies that on the date indicated below he served a copy of the foregoing pleading on the below individual. Service was accomplished by mailing the same by First Class U.S. Mail addressed as follows: James C. Warmbrodt, Esq. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 Date: November 2, 2006 YOFFE & YOFFE, P.C. By ef Yo G, Esq. Attorney for Defendant 214 Senate Avenue, Suite 404 Camp Hill, PA 17011 (717) 975-1838 Attorney ID No. 52933 jyoffe@verizon.net VERIFICAMN I hereby state that I am an adult individual who is authorized to make this verification and that the facts set forth in the foregoing Response to Complaint are true to the best of my knowledge, information, and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4944 relating to unswom falsification to authorities. Dated: REBECCA J. CLAIR IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION CAPITAL ONE BANK, Plaintiff, - EX v. HIBIT NO.: 06-5204-CIVIL TERM REBECCA J. CLAIR, 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. 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 rson 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 "ident' ' 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) identify all other erson 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 PRODUCTION OF DOCUMENTS 3 Produce all documentary evidence or information substantiating the defenses asserted in your Answer. REQUEST FOR ADMISSION NO. 1: Defendant has made no payment on the credit card since January 3, 2003. 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: Defendant signed the attached credit card application. Admitted Denied If the answer to Request for Admissions No. 2 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 3: The attached monthly statements, from May 4, 2004 through July 3, 2003, correctly identify the payments, charges, and balances on the account. Admitted Denied If the answer to Request for Admissions No. 3 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. 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. REQUEST FOR ADMISSION NO. 5: $2,308.03 is a correct and accurate current balance of the credit card account in question. Admitted Denied If the answer to Request for Admissions No. 5 is "denied", then supply specific written documentation supporting the denial. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. PP93598 v an, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR:05214664 CERTIFICATE OF SERVICE A true and correct copy of Plaintiffs First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the ?" day of JUAC 2008, upon the following: Rebecca J. Clair 106 N Locust Ln. Mechanicsburg, Pa 17050 By: So Imo/ ? & /-%] YES, send my Pre-Approved Visa® card with a credit line up to $1,000! .i jO sN 1328460948247 030 011 a J. Clair Rebecc &WS-A ? Yes ? No Send me blank checks For an immediate ash advance. ? Yes ? No I would like an Express Account ($19.95 nonrefundable fec).*` .Yes ? No Do you have a checking account? W Yes ? No Do you have a car? 18 N Front St Lemcyne,PA 17043-2327 rl?are?raar ae sod o1m=n sawn d'?s? I use aaty be w blaet ;ak an dYis Acaproue Cer 15 ?? r(Ilaorc Offer Expires: March S, 1998 APPLICANT Social Security Y Home Phone Date of Birth cq No, in Household 'lir=e at Present Address 3 o13Yrs. Mos. vHousing Monthly Payment ?Q Own ? Rem O Parents O Other $ , Cu "WA Employer Current Business Phone Cross Annual income (me encfiseio Check Herz if Mother's Maiden Name (fir security purposer) O Retired / $ (If OSett-Employed scj?'aoRe f ADDITIONAL CARD FOR AUTHORIZED USER" Name of Authorized User as It should appear on your additional cud (please prim). 1. iT Note. Only the Pre-Approved Applicant may access account information. Your annual membership fee will be ineteaud by $ 10 if you choose to add an Authorized User to your account now. OVnONAL ACCOUNT BALANCE COVERAGE (Only primary applicant may awfl.) Yes, plesse eaasli we in dw opdotsal Moo= Balance CoverM (Credit lttau wKz) program. I have read and understand the co" benefits sad uxfuiom of Aomwnt Balance Coverage ctplamed on the reverse side Not avdable in all stases. Initials Dated Birth 4061 I have read the 1 l7+ario bxfoonation For you GadY Card eaeicsed oral sgra to be bo=nd as *,dfiied dual=. Yoa ase audntiaed to drede rrq ovdh and eeopb?nwa bbnory.7lris oBer Is $isnannt Date To avoid dalan pi U, Jr -ff." requested. r Rebecca J. Clair 1328460948247 030 011 1328-11.12 38294 H Make A Payment Today! You are eligible to make a FREE check-by-phone payment. You may be able to avoid late payment fees and increased finance charges by posting a payment to your account immediately. Please call Capital One" at 1-800-955-6600. We strongly urge you to contact us immediately to make payment arrangements. It is important to prevent further damage to your credit bureau report and avoid permanent restriction of your account! Your credit directly affects your ability to buy a new car, obtain employment, receive a loan or buy a home. Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved. ® 2000 Capital One Ed-ME VISA ACCOUNT 4121-7414-5984-4051 MAY 04 -JUN 03, 2000 Page 1 of 1 Account Summary Pa yments, Credits and Adjustments Previous Balance $735.09 Paymemr, Credits and Adjustments $.00 Transactions Trannctions $55.42 Finance Charges $17.47 DATE 1 oar MAY PAST DUE FEE $25.00 New Balance $ON 78 2 04 MAY OVERLIMIT FEE 25 Minimum Amount Due $608.78 3 03 JUN PAYMENT PROTECTION 1-888-527-6904 5.42 Payment Due Due July 03, 2000 Total Credit Line $200 Total Available Credit $.00 Credit Line for Cash $200 Available Credit for Cash $.00 Atywtrmartin r To Customer Rdseons or to report a loaf or rtolm ord: 1-OW262-1493 Sad Paymew, m: Sad in"iria to: Capital on. Seniors Capital One Sarin P.O. Bar 85147 P.O. Box 85015 Rtehmond. VA 23276 Ridtmond, VA 23295-5015 F'manceCharges Pk"rmrev jestdafbrmtportanttnfarmattoa Bad tr 1t Atri ?CL .N6rdsr I r G?• PURCHASES 9794.31 .07096% 25.90% :17.47 CASH 9.00 .07096% 25.90% s.00 ANNUAL PERCENTAGE RATE applied this period 474035 PLEASE RETURN PORTION BELOW WITH PAYMENT. :apftWCW 0000000 0 4121741459844051 00 0808780075000608784 New Balance $808.78 Minimum Amount Due $608.78 Payment Due Date July 03, 2000 Total enclosed s -1 25.90% Ph-p.nt.lar h-:. kA- a-WkA.-M.4e.L Street Ap. a aty S_ 22P Home Pb- Alt w Phox Capital One Bank . REBECCA J CLAIR P.O. Box 85147 c 18 N FRONT ST Richmond, VA 23276 LEMOYNE PA 17043-1327 ?u?r?n??us?s??uu?u??n??us!?uu??uu??ns!?us??stu!?usu! ? ? !tat!?!us???un?n?n??uu!?u??us?t??us?nt???u?us??s? Please unite yow aam7d mumbo on yaw rdW or roomy order madepayabk to Copitd One Bank and mail in the enrdwed envdopa r F?-K. OPINIONS! 8 0 tai 0 to. Oraae Pelad. Ya vti Mw mine- apace period a 26 days wkhout irrarce on mrw pudeNa, new baarea tranyou sfers, none, apes. pupdnNa and nave alrr a M It Map tlr lnrpesaft! aam Nodes In, ppowmants below, and at riots ire h m W eediad by your now ate Mom advances n:d popadil iraM in M a d m, w M grace period on any tranaamn If you do not pay to total •Mew Dormice.' b. :=t::== Twa.etldu erlledl aro not hthe do" M pr trarraedon1/mm dr d 0, ) *a b proceNad m your Aeceutt a 31 bore tha h did r day of the snare bl period Additionally, alwlorqu _ P•Y /M'New Br.r1e! free tie Dmiar you tatpap bawtG toot titear tepid DYanW Is pN in" Th4 mere that you maYY Ail rrre Wrro elropn. even If you pay de ntlre Nsw BaNrnG MGtad n as trace of yap statement by to mot sunelere doahe dM, bt. did not do N for as Previous niceh. Upaid Marce Wpgss am added m tha sepnall or c M01r s For esdl yap s00 al" ter Is b Y••r Acaup. t m • 1blrrce elrpp, i upWmum nttl FlNANCE CtHpAaRGE at $0.50 vWl be bppklpgGetlnd. Nytohue Periodic PENN b Nn to.b0,vwrM abc. Mn Names hen the $0.50 niiMa and the difference wi be Wild m tha ptadwe wpnrs of M aaoen. t d. TarapNey flaNrin M FYpro .=;: We rsNrw the dyd 1. not se eN any or as Mauve charges br any given 2. A= Daay Ware lb"dm Haw ArdrN1. a. lirara^a WAN to GIe4W 6v mpiddJppe dr dos. PnNardY diamond m you. At tie end of =d%= o0, woe apply dr daily Ps" ••p••re of ypur .raburt D" Wra a of nd facbd the rNUhsTd tlwe daily dcalWeMn to a ? e yoeu?r ? Period. Mann dumps br Noh ••pnar. We add rp tM ==;,h ar1ce dlega for Your riodaurs pet dr dolly ba ace, for esCh ••p•ere of yM aaceurL vre eM are bsdrnre balance let each wg and add Narryry raw trNaeetlaa anti any porlock irrNrt tdargs celalata0 1 sat PnMda your accourn If ft fr Yom •WanteMl aasWrdalready, been rs from a rNrdwa aMwe °, roosiw w tbn from the rrerdarr afar your atssur has boon n doaat{ Yotr ataelss nit W raopead, de amour a dr U?erye wN add d to your acco rnr and ya woe W d1s mr Wpsytnst. n than a e npwrbarelip be fa you account, de M we continue m W duped, m tlr 4w, umN du 7. attar pemrMadNbyarGad W sash Year A"M• Pdd in LN 128" salve. ? in ?bennin a aem Ifwmmc iaa any kMltllat 9 0 8. IadM AINM BsoYVi Classic CortershaL When you ===2 Vice MWdn w phWr 10 fund Your baulk reap account teed nt or rr• transfer *m yap to we Wa:w 1Mbdomutlarpay?rar N a dusk transaction. Wean w from your deck to sale an aNetmde fund transfer, bads may be wlthdrown from your Writ acCaad N.0a11 N 1110 aarN day 1w r0C•iw Wyouur W Y•r•rdr and You wi pet nedw your dlxk Wek from yap iGnciN MrhWn. BILLING RANTS SUMMARY tin GN Of Erno s Or Gundone Aber Your Be) If you WM yap be is wrore, a it you need mom imorrnedon on a tenacdn a bill, wpha to w an a eapa 0 rivet N Nan N Ponka at the ldMeN for .11 an, orr d" scanners. erast Iw from you ro bear M 8?0 dNayq a aw you the fret M n wfidt tlr .nor or pnehlrn appsarod. YouGn W M CurkmN Rdaiaa maba, M rfobe N wi not yyreaarw Y•ur rpn. M yM ww gw• w tine 1d1•winp imomatlac yM rams and tacalrs mnrbar, do dolor snmlrt W pre auapaetW amp, ¦ dsplppon at the amp au neap WaoIr of you' them Is smm; or h you u end gas a dsse tie ham you m ularaa aloha. Va N not haw u pay any am a50 a Wj=1 w pay ay ntie o faro NwdMMp it, shot but you rot In ril e yo us yaqtamfion, p bly was s cannot In mixer you s ddr gs or n any atri to c? him al to oe•ct ft Knoura r,t Special Pole Fa Craft Cold Rod. If you haw • probl.m with iha tprafty at prop.ay a ssrMcee riot ya pedaled mat ¦ credit nrd and you row tray b pad war m Gnaa tfa protlen with to ' madam. you say haw ty right nos to pry w romakeno awreup plops an ter property or NreleN. rat law 1Hs protection) whan time padwe Ales wN mom than .60.00 rd Ptrcfeaa wr made irr your harem state or wrein 100 rrllN at yap mailNp addrow. fir pro own Or opon"a 00 rtardfwrt, or h tw maW yu d" adwNNnrom kr pr pr?plly a wM= ant p ad. aro ILYaed Ipgardi0ee p/ am01a11 a location or purchase.) PLANS remNrbar m alp. o oorroapadrlea. t Gorr nor appfy to Gnsuiw nw-erM1 Gad acGUaa f ores as apply m be-*- ran-nac f card aecouaa Caput one arepons Inberation pdwcy proucii- aN our waWha at www. can. Capital O rrIs a firderally redomred NMce merle of Capital r dal Corporadon. Af rata. reserved. • 20.3 mar b::?bNapie 01 NCh == day, adpda Voar1r1' nwastal m Nn -.Amad nor I2 enadn. (N de Cale N aprre on the here atatamsr nala u '6Nrne Ibu Appaad Te: rs ant . bind any triads WNa ktdl T k tha balnlce at sad fa7plpMrn, .) Thin dyes w tW dytlly 6alarea of each each for sheebbill % MM a a ovals bMy spa/ laid ramble of drys in the burp parlod. Tllia dwa us the a dally Wianlos a.ad1 aefprlex. 3. An BrN IAPRI. a. The e ten 'Armorl he from fweaa• or Rm' may appear as APR' od she had o of tits maMrspcartt. b. N tha ceN P 1PdeW, L (9?rra UBOy, C fGrtlfGte of Deposid. or S (Bwrltnrd Pdar) alrPNa on doe from of eft Namosent and raw and Grrgpprdnp n tipANM)AL P61CrataENf padedc lN, MaAOE pedMT?cFB May wry WertsdY andnMy YrcNn a tleewee based on are slow Yvfcea, plotaal k TM WM Seser elMe?m t ? W o? Trd??narotlpaaMWe bshsMaVote posam nlarmr?Marry=Apr4 rdy?ald O b.. c. If du coda D (Pdr e), F 11 mo. L1BOW or 013- woe be anxew on the fret day of your being period "Ch nrordh. 6. Aaaaeneead of Late, O-M* and IteYanad =%.Z, par accaur vWf be asonaad ro mare than Bald here that scar dudnp cry Hipp period. Under the term. of Yap areenner .planar, ws roaarw tie right m wain a not to name any leas walrolr prior noaecetlarr to e wrvap our did to asap the wale or donllar vdtiaw r der. a a 6. YM ANwa. If a wmbenl*) In 1mm dr ris a tli remit rd wu M.--. you to avdd paybrp the M a m haw such M traded ce you if ya eanloel Your account. a•i•f * period, Ya may rron . m rr your aeeotat vddau haws m P•Y tha eembaMip M. To canal Vote accotra, you rapt notify us by ca ft our Cunneen Relation Departmo e and pry Haw B.I.ra!• ti fa N>rtilydrp tha doY. to art aspen[. we am atbtrao any nw ibsm* M) Ada to the Nd of doe II&MAi y radod PaYnenrs a oldie poNeO ate t that day that an apereted a. N You Ck.a Yar ANMd. Ya tan uproar m does m slat ••O•o m. TMs dv w tha separate Wy bYnoe yyMdtt srxaars by GMe M QreatNr Poelnfar fa aldl aepasre at Yap arxaar. IlOareM, If Y•u Add doe New Beleree eleven n you proviw attnlrnem ti pea for Dlparenle t. You must dsNey yM CtMt GdfaI and acco ra d k r dl if you row b.k- was rem or a erodt smart), new tnrraetlal. edidl ost m tetlur a a ldel •1• access ec , ttaro Pro¦ataNatl 11Nn1g, epd asN warp you accoud. a you do nor Gaul th d d Mh p p Y p fear a aaprrNO aro not atkW n tha rally belaroN. W! d belncob dN1 h a d rrea o :• g •rarpsmeMS, w. wi earkM caWpt of a Wras yap 10.ldzati::z - A = ==- y p r y e and diNdilrp tla Nm by as rsttalN of rlemnt. ddtlalafy, Vat stem . utg you pay 81 amounts Ya NN u {ridlrdirp: sly d1s days in ate current Mike cycle. To takaam Your mid W?raM an0 li d • raNr Wr of dy MM?ri blkq trNwetlNr yW Mw wlhoatld MNee drrpst, Asa urM Wd ca t y y sp per Due m mmdrp an a defy basis gem ma W ! a vs Yotr kN and sry moor Iin accost You rN f l y . might vadarce between die calculation and to snoum of . an nNpa ! r t aN smarts wtather cry appe You repeat m - Maas dery==:d. b a tfls cods Z oe from of side sa e dove dire == E :..= d . eNr Gw to 'Bolsnc r Roo .woos Nov be- of rd, Appfad Te,' woe mdtiply 1W aeNrm iwr very mrwNv your earNr m ove soc. TNa meY reset In aMyyou haw Wm? appNdre nyoteueca ...e.d a,..,.,.....,.... -- - - - -? 474OUS 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 (6) 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. QW1WCW • 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. Ca?aitalQ?• Account Previous Balance $808.78 Paymennl, Credits and Adjustments $100.00 Transactions $55.24 Finance Charges $17.51 New Balance $781.53 Minimum Amount Due $581.53 Payment Due Dare August 03, 2000 Total Credit Lime $200 Total Available Credit $.00 Credit Line for Cash $200 Available Credit for Cash S.00 Aryoursers . To an Cuamma Rdaponc or to report a tort or sW. card: 1-ND-262-1493 Send pymarv to: Sood ingaiue to Capiml One Savior Capital on. Svri- P.O. Boa 85147 P.O. Boa 85015 Richmond, VA 23276 Richmond, VA 23295-5015 477845 VISA ACCOUNT 4121-7414-5984-4051 JUN 04 -JUL 03, 2000 Page 1 of 1 Payments, Credits and Adjustments 1 21 JUN PAYMENT RECEIVED - THANK YOU S100.00- Transactions DATE 2 05 JUN PAST DUE FEE $25.00 3 aJUN OVERLIMIT FEE 25,00 4 03 JUL PAYMENT PROTECTION 1-888-527-6904 524 Finanoe Charges PkaseseervverJende, fwmaporrant rmfmsatron Ba&ea * P.cs-? E j6pW 1. m PURCHASES SM45 .07096% 25.9016 81731 CASH 8.00 .07096% 25.90% LOD ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. ?l1ea 0000000 0 4121741459844051 00 0781530100000581533 New Balance $78153 Minimum Amount Due $581.53 Payment Doe Date August 03, 2000 Total enclosed $ -1 Pbmrpronaddua cbmpr plow raiju. or A&& imE 25.90% even Apt t Gy Sine ZIP Home Phone Alu oast Phone Capital One Bank !)? REBECCA J CLAIR 18 N FRONT ST P.O. Box 85147 m L EMOYNE PA 17043-1327 Richmond, VA 23276 Pie" mriteyow aamunt number on ymv check or money arder madepayable to GpitalOne Ban.! and mail in the encived enw1ope. r isoosso Isoosso aaafa>. 1. Hera To AVON A FYlatw Oro+. to. arse Mod. Yw wq Mw a maMmn ¢ace priori d ra =%: wraoe dabamhce IN de illD rod etatannrt, M uad to your steep n K Me already been dtmadi Fbr sample, H you eudndzed a puschose from a msrdwK end see 26 cep Masu anhsnhce there an new pusiwn, new Glarhce tremor Mw edY I .- and new other lance d each :== day, add any new I m Mdr agnaact ar e +nmee retsiw the transaction from On mends after yon +xwrt has been our account wN b d , A H you py you total 'New ealarw , N aowdsro with the Yr entam Nadu for awrs bYOw ty p y do « craAts. In the tads N appear m dr from of th4 enemata sIn te'Balr so A B d T : b = y e Mitre , dr wewn d tlr drrye MN M addW m yov acsoux, d WI b l l b M b p py , and in time for If to be eatditd by Your rd women lw pp we a ft e o o subtract any upaN 4 h cs denpe Irhelrrdsd N the Wlsnree an yw a naponr r pyroem. 0 e llws marnheralip Ise far Yoe, score, the ba vrw coraker doaNp doe. Them is no on lfnace plod cash aMcs and s ed Insiders In adddan stars Is no race adod ; a d sash ?nrR.1 TN dw. u seta clay Weser. of each ee rwK 71rrn daF bYw !or ch yw add as the ea m be cimpol, to de extent twnniftad by law, arm the n 6i N Nd k! h b lMd b d p , I? p . t!a"wain If you do not pay ft tool New on a p . , r e ea and to ? w ? alrol ara:a p im een e a ort. M 7' co W i ? C V. "foe 7 hb yh w d ft used M connection y? any im6ing Moonset g o. AasWy tenor fire. TtantaaWar wNCh aro sea a clay wlanhn d each aspnrn. trwascoom wal+et m a W+e+ pod am asssass anrarce dunes 1) 3. Anew Ilan fAj. 8. lobes Aida Neeawrb Chase Wwrdwt. When you from tlr dam d cite tmaaedat « 21 beta tla dw to e. To term 'Adwal Pencaaape Rese' stay appear n proolda • look s pymad, yw auhodte w oltlar to tms+cdon is pmoe me re your Acoman or 3) horn the APR' on to (tad d die atat"rsm. ram lrhloeaadon ham your stack m nrhaM • Orhe-14rre err ralerdar dry of to esters bshrhp aarlod. Addldor ' b. H the cods P Wdnrml. L (3?rro. UBON. C (GNhe+u of abrsroie lead 1-for hart yqr bank account « to H Yau rfN rr py to 'New Balanhce' fivn dm PrMos DepoWl. « S (irirard Pdrs) appan m der from of peter dr pa?nent n a cask tmmaetlon. WMn w i Mk p Prfd N (la, enhance tderos esakea to arz;nr to id N tfit anemra std to pedode "dal, tti dodic ?ro NU L ? ? ? rs Nbsadm 4om yw desk to make rh daim- c y a x . THS r mW sew i MirPa s ysh If t tp A dernAtM W may wrv Wanbidys refnsAN Y kterss w sd onsfer rbri? skind catiM sari ;:y Wass yewssh from you pay to ads Nsw issae Indicated an tM from of on the seated Mtdes, as loud N 7Ae 0 Sbaef You pyntrd, rd you wM sect nsesw your dmek bsek from you aletannnsra by to ttra pnemaA tlmltip doe. Na did AwnK plus the +t+bll y dschos d to VctL yrea tin 6c Institution. not do s for to pne"au trlwah. UtpN fees corpse arm acted m tits eepmnt d yeas Accuse ills drtpn ere W w on der frmt d+Y of yore dadic wtntemem no bNkp :- - BILUND It101iTS SUMMARY III t c. arirre" fiwnrw . F« each b.. psdod chat ole arcorsa b m ¦ lrunc?s drn a • mkimun N to Jramry, Apo, .h1. y_ and comber. . If th code D Wrbml LteD F f 1 O p (N Can Of Enrem Or Quoted" About Yaur Bib n li k bal I If V g , tend NMftNC E E of $0 50 vi beirrrpaed H the c. , wro. e W or as. USOR fbprkd Modiyl ?ppa?so on the from of Your you t rt you you sub moro s or Nbmtatlon on a traraawnaq, don « bill wdm ro w " . . tend attars, du ML Ak ass to aooieatlm d ymo not to t)r prose rafeW. 7M pulpit rots tr X - , ++pmm does n seat to ptambie n to add,- for M periodic wtsal it mw Mss 10 5o. w . wtttnact tlrt ant oenroert?? ANMIAL PERCBITAOE AA1'? am , w= d tHa sumntam. We mop Npuf= ,most Ran am $0.60 mWoram and ft difference old be ndws s Iaied to the es of our atsoraa maV «tbemes bsml on rift "loud In The WN Se'sf br tnC it == =no hear IM a=::,- we sea Yw tub 9 t bN dd h to a y e p y . td. Tapasy Radeallse in Elms fire. We "serve ,t d i U d r f a p s ' .t cite margin pwAm* Voted to you 7hws dmnos 0 f tl e f n n v err er appaam c w tan call ow Customer Role* maMer, MA don0 s wN rr o da to rot seems any or a enc r e rose or any p ose hY = n Nc se on Your WM period st day o be e pmaw your ddtla. N you F. dvtris 1hs imiowkq asionappec n? ., the o 2. Awrq+ typos IYaYsbq New Ardheai. 4. Aserae it of Cam. Oawmna od RaNaetl hymru Fea+. ov amount of d rampocead err, a demolition or 1W over a. firhce dhagp b epNnN by muldplykq the daay Yana wM W essead s mere ts sew d it dr fen sa and an etal NrYan. If peatlsyNw you baNre dons is of fndantn d each aepsd d vota aeews k4. east sand have dot o- r etrkp rhy bwlno pis. Under to "err, « 4pd- of ? adwhn, pradsr, spade trawler rd seeds enactors) ta1M of 1'or+ Glelarnhsr aonssnaana, ere heM1Ye flits don to 1o hem yw urrra be . Yw do not Irw to any fny cis rmnr eepahdbp dlaV fwdonie refute) dhst tsa loan prevfaualy dirfss m you. At tlm and d aarh day dumhd wales or sect to awe law 6. wfdlesa prior sdeeadn to wMmu w Biwa ou doM m asps tM +sm «+hWio :setae N prwbrh rliila era ese NveetlpelM lt, but you am sdB oi?ted m wV 1M wr of yew hhllf? tk +m art to baino odd, vye apply der clay polls rats Am seh in slaw tbs. N ptsdat.lMis we law aigs" your quotation, ors cannot aelpaem d pear atxszet m to teWnce of sdn w mwa 7Trt in tub rd d rift tlHrn sdod ors add I 5. Yap Avert. H a tntsenberalip Ise of tli aat mrrt h 90 6 lepon Vw s daintsnnra or us any elan m txllect to tl o . p p , q the rs+ I or ttas dla :%rons to sdw n ths sna o + e , yw ew d m this statement VMS ntlaed m you to =4:4 wN N tla 1s o to Irw rch M onWted to ou ampan yw tpma m. rpJn from each ?a m a n the tw usenet i py O y you eeshcal Your aeewm. Drake tea parbd, Y+u may i,t Special We For Craft Cold Purch+w To Yea s=or=t. a+t to Wlarce == *, cedkse as Ise yon arsarrt wftrou he top .Y If you Imo + pitblm Will to Vu+th' of pnaperty or d yore acmorst, vre us tlr hepbvinp . bona Its each waart and add any new Irrhsadaha nannb«alip fr. To rarcsl your aeeouh[I you asst eft u by WNW ate QYtmn ' IbladOfla Dap' m?era apnoea dr pea purdrsd W: a o pm rd you law IIIW N {pod Ia11ih m Wrrad the PMMan yenta the ad sub Mhsrae lfi+la+ ealaaatd n the =Is My'a for dot aaptlam. Ws ton anaead In 11 ad wY ypaa Nov Bolanae N frN fe-hainp the mwnesnalsp Ml d der Wtty-0ay panic. W*V w ~ ? w Y pyntlrq « torus pewee an d Vm day dm ato aiocet+d 6. N You ace Yeas con Z=9 lesson to dw dw it tie r tm v ou hie dii P,sads, 0„1Y whse dhs prd,,,e arks ,sea mom thin to tnn aepttem. ThM qhr salts separate duly balance pypeae aeLVlat by tamnrp our Castamer Relwlat •60.00 ad tM ptadeaa van seeds to yon iota esm or for sadl svaern of pea acu oom Hovrsver, If you paid dm l Dspam sm. Yw mow tlew"oy you two fatd(ai and vAlfilin 100 nhllaadyeses mswnp adeas. ofrw own « p m in ha I« Nava eee ce shown m yore p WWOU atatem , accord aces cocks, cancel air pmau ad W4q. °e ?+ «n we seise yw tlr H ysa new balance w" zero or. credit amaat), new t=- vrlich pes m - ad a+w Imkq Yea aoooua. H yw ro tat r:rcol we wm carmfder +artowrsia adwNaanat for llm pOwM1Y of stNpa. all padmw plaeose sapnnrea am hei We == z;=. l l a e cla b di la l doll b , mosip of a donee you auhdzatlen m raaCwr your 'l aro t:Ownerl raPMw of a nnaa as location of p rdese.) Pteess remember to sign all correspondence. ce ct ete r avenp n a arra q t r y V a die law kit rent killing cycle. To Wnksw your foul assess. P.,. y, yda aeceua viol rite be load trasetlapisrYou ow sub you red, arrhos doe pat t Gen seer apply m corwarr non-osa cant/ acoouss a Mhathce rirrye, m dtlpy Vel seneoa dlay balers by the rd by der nsanWr a lap N J. blinp to due /w , OvenlYdl fees , tatranted w Yfara for, cash advance ice ad any ante for awesal to pa :Gott tor apply to aaari,.n n?wr•asR crd.mosas Due to raahdirhp n a slay baala, nuns may W . aedd wdree barren ahb tetoastlen ad the arnoen of accuse. You am naaparlhN w nos peps "nod's" 1 n your accent at the dllla you request to capitol Orr supports intonation pdvsY protection: w our Rrrnw clomp actulay spewed. b. H cite wds Z « N appear m dr hers of the esnampn = = rsoua «1oy m Incurred sub ospora to your rsgses m don the acorn[. This may own in voles to e'sow. man. C+dtalOra b • mfilsterod "rice mark of Capitol i s C a MA to the ? a pe = t b ?== orporat on. reserved. 20 O .arms dla V balance d each 9sonora by ro MontNv morte die a . e dosed or 1o ieaosNno of Capital One LBAK O I 477845 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 M any other location or in another form may not be credited the some 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. Q-WhWCW ?n • 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. jow• VISA ACCOUNT 4121-7414-S984-4051 JUL o4 - AUG 03, 2000 Page 1 of 1 Account Previous Balance $781.53 Payments„ Credits and Adjustments $55.00 Transactions $30.19 Finance Charges $16.81 New Balance $77353 Minimum Amount Due $573.53 Payment Due Date September 02, 2000 Total Credit Line $200 Total Available Credit $.00 Credit Line for Cash $200 Available Credit for Cash $.00 At 7= To RJ S- a . to report a lost or stolen .4- 1-600-262-1193 Send Pgae W. Sled il,gdii. W. Capital 0•e Sw6ces Capital One Saooe P.O. Bus 85147 P.O. Boa 85075 Ridmooed, VA 23276 Rdanosd, VA 23285-5015 Payments, Credits and Adjustments 1 20 JUL PAYMENT RECEIVED - THANK YOU $55.00- Transactions DATE 2 03 AUG OVERLIMIT FEE 3 03 AUG PAYMENT PROTECTION 1-888-527-6904 $25.00 5.19 Frr7arooe Charges Pkme im reveneiidrfar isepwtast iaforrsasron B.Lmrlak l-=& ? W g?y6wdro rd E PURCHASES $763.% .0709656 25.90% $16.81 CASH 6.00 .07096% 25.90% $.00 ANNUAL PERCENTAGE RATE applied this period 25.90% 4B228S PLEASE RETURN PORTION BELOW WITH PAYMENT. ?1ea 0000000 0 4121741459844051 00 0773530055000573538 New Balance $77333 p.Nwr.ldra?rrl blba r Ara6Laera4el •t Minimum Amount Doe $57333 Snle API. e Payment Due Due September 02, 2000 Sme ZIP 07 Total enclosed $ Home Pb- Alxeoatl Phone Capital One Bank REBECCA J P.O. Box 85147 eo Richmond, VA 23276 ro LEMOYNE PA 17043-1327 IseI fill llne611eee616e16n16 gill sell aellnellr,elloal L,tlllnelllneegill gill Itrl6116u1116eehulllee6ullel Pleme write yrr aavant number m your c6wh r money order madepayable to Capital One Baap and mail in the endlmed env kpe radar. a? tor. Grew P d.L You wM lrw s m d- atom period of t6 dap wwAat irk drrgt on new purdrtea, now balanws trrrbs, nsw 4ttla1 q.dnw and nave odrr Utarpe a Wu WY year IoW 'Nave BNarce', N atxwdaice Wlh 1M NrpwwK Nolioa br prnenR .MOW. ad N tons for it to be waded by your nerd Netramrt a pgsdN eanNna N a iUn?0. N ?rsrx psdotl W WWI rlmawbn it you do not pay am rural Nsw bd-.' b. Aowtire Arms Clrmae. Trarscoorwa adds am rot (ros?tlmt daupolptlr?trarsaishun tlrtlm dam?dm I Imse"Case b Cy to yore Accent or 3) from the Rmt oYador day of cis ourwnt b" Addtiaully, If you rid not pay Ve -Now, BaWra Ora prodora tlatq pwbd N MA, Rues = certkat b accrue to your urgNtl balance, u d the utpaid aelanw b paid in Aril. Tots meats swat you mY ore case answer, drryn, even if you pay dm Ord Now edawwa in Wd m 7M hoot of yore wumaa by tM sots autsnsro . dare, but rid rw do so for cis pmNaw mush. UrWeld Infuse charyse aro addtd m tha taprwt of year Acorn. t t. aiittre Rrreu?lq Fw aadr bYnp period thw m.W CIMAfiE o "j.660?v I M?Iraposs6 If the = tic mrgs rsddnjfoot die aaGlcWw of Vote pwbdt onja Nor seen 0 60, ors NiR sWNaa Ow snout Were to 1010 a * sees sd cis dormice wRl be hllad b tM prdws ssF?irwmsrw01 parr acooun. t d r gM to nnoottdam eyes wry or as *wmcs c mipse lot my divan 2. AiwsesV Bally admee a. rs aie 1asWY4bd dr4gMwgrdrs1. Fivedob oa nddOplyYp Om daily bdanre A erh aa0l all ll M yaw.-,-u dNs1e.4.ddcW adwrice, purdsea, edal trsrafer and pwdisl by the an = dally pdadc sup) that loos boot predwry to you. At die end or Wort cry Ardirqq tM bases period. we apply to dally period 1 rod for ssrh taprww or your acooua bon Wlwica of soh eprwa. Than st the me of tlr period, vro add ace tM rawrira of cis d?v plcdatlero m saw d periede Rnwds daps b ssah ssprwwt. Ws add up tM ruder hem strive aapnelt m 1Mw at the total psdode dalYY bd?w?ice Rovers tLVret for your soowat. To cow tls riseespeesnp for esdi sellnlee of yore ocean[. we rake aalarice Apapr Iouddcw Rnwor daps pionmd m dm prdMam dsy's Odwrp for dw ssynsrt. ON dwot admraa dry CtdtZ m dprl isprwsc[dsTNs ads uses salaame dailWobadlar- for as wprwd of parr scpue, llortsvsrI N you pald dr Nsw BaWSS al-wit m par psvias asaasa I. fW Iw If Mir new balance was rare w • etedt amount), iww tmetwbnit which fwd m ==Z=. cs the s warm a dMy below by addnp ally e bawler ta00111er and dNdra V. wan by Gie aallber of pedodc ms. To ebraw dr worm drly oalnwe for the b??drr??q htlanoe of r?tl+ eeprw[ sadr daY add any new rwael(ar w rdt no . sea is ot pt?ymams orrye I . IN dr cotls N "r of aratomwt room to'BNrke tAte Appled T0, we aho subtract my uipad hwrce dtnGe hidWd N the balance of each egrwt.) The dvp w the dMV balance of "Ch samwt. Thn we add up all 1M dMy balarcaa for each a- I.M.M. or .01, 3. Amyl ?remtpt n to IAPRL a. The term 'AwsW Ptrpewsa Rata' maY appear as APR' m tha front of .W atatemua. It. If dm coda P PrNid, L (3ono. UWK C ICaaseser of Dapoaml=s 1811, Parts) appeam on the from of me eatpprt asnpbpmridbr pt, padafc rearlia, the pemode rep and anrd ANNUAL PERCEWAOE RATES wry gwrtdy wd m.y Ircrww w tlauatte httad an Owe araW Mss, a bud N 7M IVaa Sbsar as Jwwrs( P- tlm mary'n pmNady disclosed to you TMs dwga? vaM W w m tlr ha day of your bMinp psdul rnwrsd by ywr pMede nawnun wdrrp N dwe madr hrswrY. Afwd, Jdy9 and October. c. N the code D PMmI, F (tarp.- LJA or 0 13-me. LIBOR Repriced ymff anwrctodparmme Inaco?tlra?tore do?8e raw and mnwpa?R AIRGYLL PBiCEMA E RATES may wrv moaNY ant<rn.y Imraa w 0. Weed m the hated Mats, s toad N T7s WM' Jeesr JavnM Plw tlm rrrareN PmMaMy dwJosd w par These ciwrpn all M sfbwiw m dI bra by of your bMwa pedod such ..dL a. Asareuaa sf Less, Orrasrne ad Reserved Paynrsrt Fos. Your aeoara will be aeeted no more due two of f W bs Noted hem drat over riming anti bMkV period tidier ft ems of parr awmw ===.' se" de scorn b wdw w nor w tors Pd. rdtltOatieli m wltrtut weivhv oar dil m aaaae the sane or snatr n a wr dittos. 6. Ysar AsassL If a mambewdp to appsm m rives hoof of dos suuswem, you Mw 30 6p ham dose data thla abiwnwt war massed m you to avoid p.yfna tlm =V.=_ to par it you ow, You t psdatL you may cendrste b is your teeoreo v/tliaR havbip b pry the nmmbot tse. To tnricol your acmtam, you sots crelfing raft a to by by ( larlatt 8. If you MSewtR. You con 1W. 'may P.. nq Wove w dos yyouaurr aeeouw bV plYnp our Cuatanw Rabtlos Opanmmt. Vou tar dswroy yaw ersdt prMp and etxoum setae drseks, pnsal i Drssraronlad hRirwp, -d- uss yaw awxeww. If you do p W; not pnpl pro-dsryaYe ipurradin,:atlm ors m wM rsnra you nanat a s aarrwaup accaun. AddtlwaRy, year ,:can will not Be dosed urKH Visit irostwbnt you have eWmdrd, Rnwre elwpe, paw lam lee, overhdt fee, rorussd p.ymwx fan, cash adwnce be war ay sUmr fes sawsad to your etoun. You as wler than sam wheMr May spprr m 81the tbm par rapmsl to des drs aemut or >MY as ktarrad srMsart m ac? dwsrpe aeeir otot vain acmurt ahw vcu -A in laws y Mouru arxoum IT n dmady heart tmai. Forsranrple, • npsawdure from a them, after your repots th. ha a time tlm from m aceanr Ire not and ors not your ourn t abssQ Yaw eceard wM M resperved, me =11b' tlsdmrae ww W addd m par atcaen, and ratpasNta Ae psymam. R Mss la a menbsnhip in iw raw acco nt, are lea WM coralnu w W =1d o tM bman parrNaad by low, urW the acooren Ma hem Wid N Ra n 4Rrrd above. 7. thilre Yaw Aeamaa.yam paw scomm: cmrt be raved N -wacd wlfh any imemw 0amaarp twsmur. 8. NdMe Aiaa ode Clack Cwwwdm. When you pmvids a deck as payers, you srahodro w dent to was iaamadm hue yax dusk m bake • erreme al.cmak Us! traMar hor=== te w to praeaas am V= e a m vw ties Irft m from year duck to mate an eltL . kerd usrsiw. Ands may be widalls. tom yaw bank aucoarK a soot as tM sarrr day we rsC.1" your paymaw. ad you wR not noelte your ciraclt book fmm your Rrwrrdal wstluabn. BILLING RIONrS SUMMARY On Care Of Fmou Or Oundorre Abort Your Bill) N you dirk your bbl M wmn% w If you need more inbnnatlm m a tra anew w bbl, w*@ to u w a Emu oral as not as porfhla inthe addnete br fin ittown ?em You mm=:O sfrom adWaMrye?ss?Rer?we rarer yw the i arw bbl ot wmot proMwn apprared You con W our Qatmw Rablwr neWr, bar dobV s will rrw preens parr ride. b yap Istiw, Give u dr bMwirip mmmudprc you ruts ad aaprdi nnmw, tlm ddler a an w .* arrpetted raw,, • witty y ou h a t' of tlm sotlm etpla mw awetlot, O poeWe of witty aRSw Umro Is m enor: or N you need more krloanatlon. a dtseripem of due ftem par m warm about. You tb nor tuts ta cosy arW it, but you a morn pNpdpdratWWot wale vVie w am Nw?tRp f so: VRYbtop y?dparts of Vole an an not voirr queselort, we armor repro par as dlhrerms w tab m awls to cadet go smut you ewstlun. t,t Special rtrm For Cme t Card Pwdres If = = • =b lwn whh dr gwNly of =%, as dwai p= WM s credit you Mw had r dood Wth so trrraa dm problem with Ms rerdsm, you may Mw due ddd rot w pay err runabdnp amwelt on m the Property or tattoos. You have We con "coo" vdian the grtlrre pfp ors them ohm 1150.00 and predree ors msda In yea horw dab or wlMn 100 see w your =0.- Of we odor or oparou cite rsrcrisrrt, w par tha adwasmws Iw the property or services, all pudmss aro coysrd rspaMSO of amornn or foptlm of purcire.l Pleas ranwmber to sign N coffagwwo- t rims not apply b poarnrar ron--M cW aeou tm t Dora not apply to bushes --ft tad scmrNs One stppwls brio n scorn privacy protection: see ax e WYYNr. Can. Ors ls• rtly r%m d ervip mono of Capital a vial Caporetlm. All 11" nerved. a 2003 one .__ 01LOLBAK say pwaaep tM w Y. m ms arrp grid. riot m m • brh. dots ma b el: aRda wriep bar mwr 1NS psWetlm and tM arnern of hors rives acuray acted. b. R dws Dods Z w N appsan m tlr here of Rd y nom u 'BYarra Roe AppRd To, ' we trwalbly Ihe 482285 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 st 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 stapes, paper clips, etc. when preparing your payment. Q-lVhWCW VISA ACCOUNT 4121-7414-5984-4051 • 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. lo• Acoount Previous Balance $773.53 Payments, Credits and Adjustment; $.00 Transactions SM.51 Finance Charges $17.22 New Balance $82126 Minimum Amount Due $621.26 Payment Due Date October 03, 2000 Total Credit Line $200 Total Available Credit $.00 Credit Line for Cash $200 Available Credit for Cash $•00 At ynrerservioe To ea8 Customer Rd.u- ar to report • lost or sect. ord: 1-600-262-1493 Send P y.. tr to: Seed inquiries w. Cepitsl OM Senior Capita One Scri- P.66. Boa 85147 P.O. Bar 25015 Rkb.-d,VA23276 Rkhmond, VA 23285-5015 440335 :aPftWGW n AUG 04 - SEP 03, 2000 Page 1 of 1 Payments, Credits and Adjustments Your scheduled payment bas not been received. Please remit the amount due appearing on this statement If you have already made your Payment, please accept our thanks. Transactions DATE 1 03 SEP OVERLIMIT FEE 2 03 SEP PAYMENT PROTECTION 1-888-527-6904 $25.00 S.S3 Flman1eeChanges PAa imreverreridef6rimpcrimtinformaw Balra'rre Rr;a& I:riAK(iC: gtflidas .te PURCHASES 678262 .07096% 25.9096 61712 CASH 6.00 .07096% 25.9096 6.00 ANNUAL PERCENTAGE RATE applied this period 25.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. 0000000 0 4121741459844051 00 0821260055000621260 New Balance $821.26 Minimum Amount Due $62126 Payment Due Dm October 03, 2000 Total enclosed $ P4eup.iar.Jierr rbmesr, kbm se;np b6a e, N.d Saeet Apt I Gq Sou ZIP Home Phone Almmau Ph.. Capital One Bank REBECCA J CLAIR P.O. Box 85147 18 N FRONT ST Richmond, VA 23276 ov LEMOYNE PA 17043-1327 ?ulrlu??urlr??su?r??u??ur??ur??us??url?ur??°r??err? ?suIllutIIIunI I I 1n11nn11Bill 1l11ur1uJ1lr91ndId Pkrre twdeyour amount number on your rhwk m money order madepayabk to Capita! One B.,J asd mail in tJx enlaced entxlopt r a. Gana Pahl. You MA haa i rakiom pro paid of 25 aye without arwm:o . . on now gmdwo, now, balanco twrrms, new rpeaat ptrdraao and mw new drran If you pay You caul 'New BNanoe', In axordane wham h Npenae Ilona for pM••r•• brow, and N dwe for B to be aroaed by v- neu Monad toipadal rw ra I of dtlm, even an ro i Take an achy tralracim If you a not pay the tool New bal ance.• D. Aaarrito Ftrares Grape. TFar Widr which so teal 4omf to lip Of 00 lraradmaMor 2) fran ems am Me I tFaFraWm b ProuamA m vac Aohahsa a 31 Irorrh h your urom Delano ume TO tripne Mane n paw in rum. Tlit neon that you say sA owe finance Charon, even f you pry the offers Now Balelr;a Wanted an the hem of but Cid ohfby 00 r=R KUMMM ra I mamR tmyWdInlie rot do io ?eee Ap charges m eddse ca h esprlofe d your Aaeurrt. t c. Mmiamn Ftrofvw inch rch 6gMhp grind the you seeoua b m • Irhrce drge, • mbirrhun teal RIlU1CE d P0.ii0 wq M keep•••d. 11 h mtal bwm charge mea l ft Man, appgcalon d paeeae stew Is Wes dwh $060. we v.N .2. that aseu t but ten $0.50 rnttinlull lied the draw- wA b baled to on prase a?mrm d yon account. t d. Terhpmy RoaalYl can Firlee OlmrV& We rs the dpi mpraamdsesm MY or all Mane duMme fur my liven t. A fvaseto DYy Beym (Ynihi?a New Wirral. a. tires dent n w clad W 5y mJddwq the ally Dated d »Cm•••gmM each ay, em any new t nu. rarem so each volment, .0 at credits ft an am hgaerrhaen frog m aaaho Me Applied To.* " SW wBVae any unpaid Verde charge I I I N the balance of each aWne t.) This gives has the dally balance of each aegelata Iel ri tiilto pofbo?atd ddNde totfor al such by to anther d days In In bebto period. This glen se the 3. Meer Rotof esch es JAPRI. a. The came 'Annual Percentage Rae' may appear as 'APR' on the mom of die amtanehc b. H the code P So 6 mol, L (3ano. 1.180111. C (Cacti cae of Dpo.M, or S (Bareeud P 1.ee1 ap ourm m to here d this surtm en rod to the pedede ratew to meft rates am andsitabd n8cw, nefandM TM WY Sgsef hand Jaonal, Pits the =J=. y dbcand ce you. Thew =ms way o1 yes cvvsrw Dyyouur edrto yas c Fares awlpa its maron prehaorrely'"curse ro You. Than we be dfaedve m h A. ay •i WE N" paM each moth. 4. Aesemmsm d Lae, Overlnst and Rennes Payerraa Fea. You ataore was be sa mand no mere than sew d h fees Real hero out ocau du*q any Mike Period. Under the tams of you Counter aprwmam, we mane h rime m melee or not to awes any few mAsut pin nrfeieaaen to you wales wdWto our right to mama the same or ntdbr n a hM lima 5. Yes Aewua. It a membership In sppwn m h lama d comb aamrFeara, you have 30 aye iron h dm tleb Mamamt urea maned to you to .vote paying the In a to home wmh an mated re you If You keel your oceans. Deep this period, you may stoma m an your accotw whhns having an pay the numobwehip nod eaf? To Nte Grstan sraRnletisn Dapahamrare end =,;r Balsce' In ka IaxNraro ter d Of S. N You Claw YYow, wf . nuadrrw can np:n m dower yynxaua by mGp oar counter Rebacr rame. m rest destroy ym dear cord(s) ad .ccous wcros arch, raecol all PmauMndmd hWnp, and new _4Lvm, wwrc H you a not csnpl pwaednritea artagrrrw, we wW deafer m•iPt d • drrpa your aederbatian ca ropesyaur unit you pay pay so armly, yet asap wi rtd ha daaetl l you o you ewe nWWuF transactions you how aWeri:ed, In rmrce charges. a, our clan haw, osasllt paw, ra tw In= fuse, Isom advance few and arty odor few amassed m your account. You an nag - ble for erne wwPas whether dh•y appear m your acraeme m h Sue you raps to dean the ea0ahRa er dry em khaasd abmsgesrs m tour copse m cow h eerwa. Thb her twit In ehahgp ?ppwdnpm your seeeua after you haw your aar:mem If a has already bon closed. For anmple, n you aWtorl=ad a ad. pr. = from a loaclwa and sea hsaia tray po ham h rmsrcmra aha yar h account has bon domed, Your acaoutt sea ha nopaecl, th. arnoum of h wel be aurae m your pcahra, and yyoauu hMl be mR dhM for paymws. H nom I. a nhahbaalip fur for you acoa t, the fee we eoniker, to be tihamad, m the extent permitted by law, two the atxama baLnc?a hse Dash Pall N ha es de5rrd aDots. 7. OaNB Yav Maoad,your cold or account Oelmrt be toad n tpraecbn wild arty Mang[ gambling [FRwlaa 8. Naaw Attear Bewareis Great Cerryamb. Wien you provtee a hhck fed a pyncarrt, you aedpriae u aNter u ass Nmmmd cl hero h dock ca sub • ere4hr ebC4erhla Decad., e mom you bade bonn e or 1 to proves hpa Y how as a dank tmroectlm. VA- we su Nmmteaon hoe year rehear te mob en your Vain b -w* fad traassa fuhda hey am wia we r Dorm aecolra as am as the eon day y we ntrba yam rein your check back (rpm BILLING RKNITS SUMMARY In Came Of Eroro Or O Baths Abaa Your Sig If you thNk you hall b -arm or If you need mere Ntohrrheaore on • M-11 te a Del, -fte to u an s espaae sdhwt as non as poem bla N the addr- for W^MM ow a N !Sya 1 hest ball you no bier than BD o Cam ym IIM Ira br on wNdl the odor or Plooelm apteaed. Ym ken cal Car Cummoener Relations member, but onto se will not y You riglw. I. your lstua, on us to fonowkq inlonadsm: you rang awl moan number, the doRor amnia t of h eertpaded error, ¦ dwaiptlon of the error and an apmkWon, If posaEm, of w1wy you bollow than b w eror, or N ym wed more Irdommdm. • description of the here oyhc6ulyMpmidM?rmismysabote. ymNyovafmamt not have to pay any OrL an so to pay the pans risen YOU f o deM9 m Or mitt any aedon m taSatt din ones you [psalm. t,t Special Rub Fa great Card Ractormem 1=.Z: prohl. WIh h peaty of Propdy or lowtried n ===w p. coro and Yes haw edamicto calayh thin h rrwa, pay h wnakinp eM youmayhah smeum due w h De•PatY or saniw. You have IN. $60.00 protection mfor pidhhwa m=,== Chi nn n wain 100 riles of year malNq ,chose. fn we own at :=."M aa It sea neasatl you on =Z7" y a aw arm oared anoum c locotlan d pudrw.) Pleeme --.be, to sign .4 conepo dace. t Does not Wy n co earner mm-onmay card •ccasNs f Does mm apply m b-h- n-andX cams accents One appons In%-* n privacy protection: ame ern ?epplied wrNce rook of Capital AR ripat reserved. a 2003 01 LOLBAK moment. Ten an the ad of On being plod, we as W h reaerisa d tiew calaaatlar ca arrive a rowodm Irma each sap t to and total podwodicn fkwhee Charge for your Cohn. To (let h bdahee far a balance ?for each a d yet aoewm, wFeyub dr wpr.Yrhp a -We F dnawrelnrhhrctlarNr balrde ithatmd ? ay ter and as .yes Ueen abtnc say m hit espn?rtThis One rrmdasym. balwn COW for air aepnwe of year tmsofre. Ibwavar, H V. paid the Now Sala ce aieesm m your PnM•hel MehreeFe In feel fa If you row balance was mho or . eredn emaoa), new 1Farraetlaro vdieh Pest ca You peechaes or nD•dal pudrw eepnaw ee rem added m h = halarecos. We olaane h average logy CMS by adath lip h any to balmatcas to r and dbfano h awn by the rmesbsr of the aye in N the euranyb6Wq eyes. em To oiWen your ytdN ?ygwkmmk ge. rm f mber Due d Gym In co re 0wWto m wrd oy the rung m , aaly Dab, than may ha . alpha vaanco Darrow rob alCladun and that anon d dunce Werys acweay assumed. b. H h tea Z a N appe.n m the front of ON. Monaca nod to 'giwa Rom /1ppY!d To, _ we middy h _.. 440335 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 some 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. 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. Capital One is a federally registered service mark of Capital One Fnandal Corporation. All rights reserved. ® 2000 Capital One ?C. Account Previous Balance $82126 Payments, Credits and Adjustments $* 00 Transactions $56.01 Finance Charges $18.74 New Balance $8%.01 Minimum Amount Due $696.01 Payment Due Date November 03, 2000 Total Credit Line $200 Total Avatlabie Credit $.00 Credit Line for Cash $200 Available Credit for Cash $.00 Atyoaersrneirs T. nB Curtoma R or to r s fort ar rtdm ard: 1-800-262-1493 Sad paymaas to: Said ingakies tm Cspitst One S-i- Cy ril One S-i- P.O. Boa 85147 P.O. Bm 85015 Richmond, VA 23276 Rid-nd, VA 23285-5015 467475 w/'r 0W1 VISA ACCOUNT 4121-7414-5984-4051 SEP 04 - OCT 03, 2000 Page 1 of I Payments, Credits and Adjustments Transactions DATE 1 04 SEP PAST DUE FEE $25.00 2 04 SEP OVERLIMIT FEE 25.00 3 03 OCT PAYMENT PROTECTION 1-888-527-6904 6.01 Finance Charges Pkme is reveae ride fw important iaforasawn - Bda. - 74. - Csr ogo.I a a . =. epfad a R nit ?P PURCHASES 888028 .07096% 25.90% 818.74 CASH 8.00 .07096% 25.90% 8.00 ANNUAL PERCENTAGE RATE applied this Period PLEASE RETURN PORTION BELOW WITH PAYMENT. 0000000 0 4121741459844051 00 0896010055000696018 New Balance $8%.01 Minimum Amount Due $6%.01 Payment Due Date November 03, 2000 Total enclosed f I -J 25.90% 14i«pist.dJ?rn Jray.n kka eai?bba w bkcE e? sae a Apc e G?y Sne MP Home Phone Almewa Phone Capital One Bank ? REBECCA J CLAIR P.O. Box 85147 a 8'ffiII111 18 N FRONT ST Richmond, VA 23276 e LEMOYNE PA 17043-1327 (n?etn??uetetteu?e?tu??ur??urttur??nett°et?sn??ne? ? ? turi"ur?itunlnlaltu uituttnriti?nr?nrtll(llustir? Mme carne yaw aem w number ors yow c6sf w money wdw made payable to Capital One Bank and mail in the endwaenvelops r ar_ e? f• s_ z z z z z S = `o z N 0 nlwr0e M sax agnaa am ny, ax any new terra m wdh ae9mar0. and raskma any payments begirs O natamrA nm io 'eararhn rte APPaw =%" ,rblrat wry unhpald tierwe charge ktekrdaA arres of eafi ee7pl?nerehn.1 TW dupYSS to for My bela ceMof each = er 6?NInp?PedOd?aM t1?Yl0. Ot.I e nudnr W days h for blOlrp petiad. Tfr dives r the avails dory balencs of each aspnen. 3. Am.. PerorYye Roles IAPRI. s. The tam 'ArwarN Psrnmape Rots' moy opp., as 'APR' on tle fore o1 dda ststanrent. b. It the onda P (Prima), L Boron UWM, C 1CerdOcam of ow.o. a S thPine) sppam m fha 1carR of n (artirardepadoNe tawbl, the chit aremwa roe m wets; and AMaJAL PBICEWA RATES may vary qLo= rd may Degas or docnpe based m des gaud M., as fwd N TM Was Saes, be aybuehy ee0kaw w you. Z-5-- ===y ita[wri sndrq N fta ApN, .w. INy and Octeber or c. If the oode o Rlkne), F (1 o LJBON 0 (31mo. UBM Reprice Maury) a?an on tle tree of you smunant ter to the prNde nmW tM pado6e rma and xmapar6m AWIAL P91CE -M RATES may wry uastdy andmey Netasr «deetsar based m des mod trdces, a toad N Tae WY Strsst.lOtarW, Plus INrdn Pre NOUalY MdOSed 10 you. The dlMrpel the WN bs slMedw on On In[ day of your bang pedod a. Awom e d M Leo. Overha t d Relorned =L ew. You accour t nr be amt wad no mars i en ues listed here drat ooaw delrp wry baling paaod. nwa of your customer agreement, we =. Under coder the ado ro nuiva « not to sass any fors Wilma pr{« ntlOeadm n wMna vW Nog our dgM to eFaw =sew w dour at a laver dew. 5. Yoe Aeauf. If a members* M apprn m the Iwra of #As sunanwrt, Yes how 30 dap Item des fists dos aaare was - Nd ro you to fr al Wyl^s ela M or to hew areal M Ore I m you H you raw:M you aceeaw. Orakp Va pMod, you may mdrwe no ass your atxa, leelllate lrvtng m pay Ihe nee W!KN Customer Rdadaw oeparbnere end MY 'W;r- N saerrdnp M maMsrYdp fiN des ad of dm tldny4y Iwdod 6. YOU Cbm Dv r?x= m close car Deparanwe. You maw bsuW Y-==! and atu:oun scna decks, caxal d brrp, and nose uwhrp yaw axon. H you do not cead presu -I,.d UP. artanpwrww, we van eoruid,r raalq of , dlergs yes alefedaadan m an yore aemaa. Adddom ly. -=r oat he cd roil Ya! Pay d amorar reMrdrha my trshsesaw Yar hw araAOrhsd Mr1n dwpr. Pea due Nor, owNmh ter, muwd psymaa Ms. nth advrwe Nor arhd wry odor Nor aawerd m your exam. You an rapasMle Der flora amasal wleerr day appear m yaw 1ea:otaa st er wq Wyouu raper to dos fe rrtaaan a 11eY m iwnd subeaglrs ro ywr regrea m dom eaccour TNS may h- N ede decor aoowAno w veer exlaa offer you Mw H M a" WeAxred t 1 fro=t=aend we e, receive the tra-tion from the mordent offer your a own he been cl ssd, yawr acre MI D. noParrO, the amore of srd?arpe will b. •ddad m your account erd y?aes vAl be raa)rerrelble an pawara. H ern is a nrarrthwdtiD M fa your atx0ue, for M WI nrairm to be to the ansta by Isom, trod the account ha been N kill as dented above. 7. tbilg Your Aeewn.Ya« Wd or aaan nmot be uatl N WINGtiOn vent any namst garnWV trwradlon. 8. Ilsllae Abwa Beeau io Cho- Cornea ? When your proNde • deck w paymaeBrock m e, you aufwke n anew m car Moun DaUW kau you * sa ore- t ebetrarde ted tmala lranr you bank axon w to or proors tM paym.n n a drek trerraedon. when ve car NMlmelion Iron YOU CIwr2 m mob m akara bank lead twrNr, lends ray he wifdawn Iran yaw bri ac coua as sox as the swot day we maive yaw WYmettt• and your"nor rsWw Yaw Mork ndt horn your Orrarrdal rradlWOr? BILUND RIONTS SUMMARY fin Case Of Errors 0, OuerWr Abaa Your did) H you Vii Yw W b verity a H yea need mom kdmadm m a trarweetlen er W, orate m u on a uperm d" r am a Pottle at the adder br WgAa m sl1 an the tors; of oft Mumrll. we mum tear Inn you no m« torn a0 days stow Ice awe you Vhe One bill on Mich the er1« « proalwn app . Ya urn cad w crwpmer Rsudarw slater, bur doing a veal not Preaww y0m ado. N yes leant, des a er kMOwirp rrlarrretlarc yes runre and aonrae numbs, tle do6r aroma of er suyeeted en«, a dredptlm of tlr error ant rr ae If o, of aetstty Ya bedew Von U m stew; or If 11 you you need d mem ewe khlOrrna dan. • tlatApriah of the hum yes m uaras alrt YoInuvdaeerosatt Yhetpw ro Osy k, faa Yaany did amarp N taraetion while warm hr(. I n M obdpned to P dr pate of yaw h? an nor N quatiwt. vyNN war khvefdpsle vas Orwwion we ecru report yes r deerrptaa or Use any action to collect des amours You tpadon. f,t Spedal We For CMM Cam P mthases If You hew a prOMrrr vAth the quality of property or aMres des you Pradraa wM • .silt nn and you hew tea N good faith m correCl the pralwaa ww 1he nerdwn, yx may haw the Ada nor ro pay the n..W wan due on the prnpeRy or see4c". You how WO p-odon oNy whfhm $50.00 and ttr '===== am a .halo 100 = of Yaw mating edits. 01 we own or a?n?tl amwa im the •pcapeaY aervkai, el purF - aw rarrstsd ragardar of roman «location of la+mlrae.) Pleea renlanrbsr ro sigh as nrrrpordsro. t Doss of opply m caaranar eon-agcy card acnwfa s Dow not apply so blakn ae non-craft card acccaao One s ppate krlwmadon Privacy promcdon: we our st wow. can. Orr Iss AY ra?ered rrvks nark of Capital encal Cotpomtlon. All rides mrrwd. a 2003 One OILOLBAK ta. Geese Pedal. You will hew a as Ipso psriotl of 26 4W vAdra Arssce drrge on rrw pudno, new balaee Im?. , revv Tedel PWduwe eM new odw depa if You pray yaw mm 'New ararhn', M axordrm vedr the Ynparam Nstiw for peyerarm balow, and N tone for k an be erad[ad by your rod ststerrrere Them Is rid paped?el i m In sdda athem is o period m any ttwwLlim H Ya do not pray the wW Ms1v D. Aacrup Fkteee Orye. Trarwacliarw vdticr an rp hammlMt dm otmerwractlmDan tlwMe dm?drs ) trenwedon b pmoaaaed ro YOU Axaae Or S) Dam tM One Warder day of dr eurrC===y- did not pay de 'New War urpsid baNrrn =0.-'u-n= halwhn b Wladin I N, TNa "'I's flat you mayy M aw sma ce curses, n if yx prey eve d WvY Balann idomal an dw Dadeveof yaw aatamwf M for nor sttnarf ttiaekp dome, br dd nor do r for des apopnllyoa wq emormt. Unpaid Mwrrn dwrpa tc. aN6dasen 1lrratse la each bMft Pedod that Yaw ;=0=C m • arm ce dg, • egranhan tam of 40.60 we be, upoeed. If dre of tour Orhrloa dupe rawiihs few the pubde rama) is has Von 60.60. we araerac tM aDrua hour tho 60.50 mNrntln and the dllans wN be d m for R agnrr of??ohr accaua. t hrdss wpat3wa the h Fires L1rahwwepw for any for dgla fa no ripFd fa not bdavesear wW or N krws dy given t. Awi aye?p ?.ahkwW hna *.h. -I. ano Vote acaoura edvrra?purtJeaa, epdelOd Wtrrwlx, rd .psei.l pod-) M des eenuPa tins cosy and of eeach Iday dud At to des 6Yrgy owbtl, war y the ddy Periodic rte for ueci rpewa of yes aexua m tit dNyd? ant at eve erd of tlw owns aepnra. Than Z=" of awes dal t ftiatlaw ro ardor st won nwiw traeadr?.grrwk mml mm ped??odcdw Munn tangs law you aotaaax. To des des dNy Worms fOr eaM eepnam of yes scomm, we tab des bedkltins balance kx oath aapewr and add any row usneaedorw end any proeeAode Myra crrq ta/eW[ad on the pnvlou days ba(whn Nr tlr eepnar,L We tlrn wibac any a of out day am m e; hft . TNSI w to eepsme defy Dela?i M for sash t;X. ar toj: However, If You paid for Ww ="=DS aw ptal0u streram N M 1« H you new balsero or ¦ crsdt emwW, new tnraetlon vd*M Post m = Puts r rpealal purchew wprwa am not adds m the day btleror. We nlalata des avansa Err balarra by adNrp d car dally behanow:Wdw std dvidnp the wan by the mrisr o1 the days N for Cwrar hMM cycle. To calculate your foul Mwwsedds, rradtipl War aweR dally heltala DhyrNdges nktaatlOrl acrd des smoT ff t?g? q Mdely Is" dMwW whin y M a ft. starnont Od. D. des Dora M" std- To: vre neltiply de 467475 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 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. CW VISA ACCOUNT 4121-7414-5984-4051 • 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. Capin. CW Account S Previous Balance $896.01 Payments, Credits and Adjustments $100.00 Transactions $55.84 Finance Charges $19.67 New Balance $871.52 Minimum Amount Due $671.52 Payment Due Date December 02, 2000 Total Credit Line $200 Total Available Credit $.00 Credit Line for Cash $200 Available Credit for Cash $.00 dtyorrrervite To aB Customer Rdatiau or to report a lost or stolen ard: 1-RW262-1493 Slid p yinents m: Send inquiries t. Art. R-Atu ee Pro-ing Capital 0•e Sl.icl C*W One Seniors P.O. R. 95147 P.O. Boa 85015 Rkh.ood, VA 23276 Richmond, VA 23295-5015 Payments, Credits and Adjustments n OCT o4 - NOV 03, 7000 Page 1 of 1 1 07 OCT PAYMENT RECEIVED - THANK YOU 850.00- 2 25 OCT PAYMENT RECEIVED - THANK YOU 50.00- Transactions DATE 3 oa OCT PAST DUE FEE $25.00 4 04 OCT OVERLIMIT FEE 25.00 5 03 NOV PAYMENT PROTECTION 1-868-527-6904 5.84 Finance Charges Plearesar renerieS"kfor inefwtant'Xfonaatiaa R.6-f' P-6& R09 ,gr&dtr .1s PURCHASES 9994.37 .07096% 25.90% 919.67 CASH 6.00 .07096% 25.90% 9.00 ANNUAL PERCENTAGE RATE applied this period 25.90% 484475 PLEASE RETURN PORTION BELOW WITH PAYMENT. :aPi °'cw 0000000 0 4121741459844051 00 0871520050000671527 New Balance $87152 Minimum Amount Due $671.52 Payment Due Date December 02, 2000 Total enclosed $ Pls.aprW d.6 rss drags kl r-fJLr-R.A Bra. S- ap Snu Home Anne Ju-- Phone Capital One Bank REBECCA J CLAIR 18 N FRONT ST P.O. Box 85147 L EMOYNE PA 17043-1327 Richmond, VA 23276 m s? Pltme write yore mrowd number on yore rbaf of money order madepayable to Capital One Rani and mail in the colored emwky e APc 4 ZIP r af? s? ta. tame' Mall. YOU wi taw a m ' pram period of 25 hip wit's theses[ d?rpa s now PssmJpaw, new bNar'o irM1a1M, row apedM pYld'we erld new Oe'l charges H yes WY yon mtN 'Nave iarN , N accondwhca whb Ina Ynpatera Nods for prymrmee Delow. and N dims for It to be tasted by edd you roll mnalrhara dwbp date. TMm k ro 9taki period ash atoms and apadN trmaakm. N o atom is no R1iCQ pasted s shy errraNan if yes do not t Pay ri tow New h4asrt.' b. Aaehttir0 grhaaa r2sanaa. Trrwdlor rhaidh am nbl ahajed m a prow period are ''coved Harm carpe 11 lreeh ri can d ri irwaaeden a 2) can ri date ri trasreNan k prohasaM m you Atxoum o 3) from the firm eMmdar dry o/ ri ettrhant bslkhp Podod.'Addliuudy, IT yes rid not Wy ri'ykw BNmse' tram des p-4- yeu upaid bekrce uN ri ne W ==m ra's k paid in lug i Thk ohearp tfpt you nuY ad ewe Marv dips, even if you pay ri rda [lees Balarhoe badcatad on to tram oT Z manahtrelt ivy On nest warm' dsir dote, led did nix do se for ri pr?evioussmadn. Unpaid Hs nce ddrys tc. oMiie added Rnto ft omme 4Taye. For each being period that your account Is ahdyst te • Hsse Mal, a ahirimun toW FINANCE G1P.ROE of tW.50 w11 be hsspo,ad. If ri total Meroe dr from ri of Wur pate's ratel4 bias than 0.50. we 'bust dies amount from des 60.50 manias and ri Is Iwo a veil be Mled to to purddr w?rsk o=;:0 'uetd. Taapaay lieWbn N EWa msrve to rich topnnettdasses ay o as Hann tarps or aey given 2. Av=Day Balape IYWi? Ms+iV4peasl. a. Finanss dips N ara4ta M mddplying ad deNY balance of Lech aagwt d Your e.can ie.q., Caah advert', purdhew, 'postal trawler, and apedel pwdrae) by rid wsoaPo wd ddY .[dock ate14 tut nwybswh wu. As ap bllNpY srkd apply the min Ipdfo6e?retecolor egssr of yea hyemut b 1M dNy ?4aoe of each wawa. Then at brie and else tllWhp pwlod, win add up ri p.= t'ar'ts d [lass dale e4a4tla' n'cove ot Wsa' Hens d'ry' for Nhih wpnrtt W? add up Marhweha from a ch will wa n arrive at the total posfofc h4anc?s Htegs W yea 'roes. To gm to for ,In aapeham of your account. w nab ri bNmw for each wcohwt end add ant row tteroactlor irame ant tl?d?i eq?rsestpsd subs rywnaeew or crack". f6 to Code N eppwrs on tit trom of tub statement nma to'Batmw Mte AppaW To.' we Win mb,.ct any unpaid Manta carp adhldad N the bela'e of each ee7p!'nnsa.) Tlis gives w do daily balance of each ''pasta nor fie bang peeled and 6Mdeby " total "oh comb' M days N ri NRhg period. Thk gives s the awlp tidy bakra:a d each sepmON. 3. Annual ?aaaa+ee Ikks IAFRI. a. The was 'A`t`W Pancatapo rkto' may appear as 'APR' on ri Ira[ of tbk awun' b. If the coda P WdmN, L 13- UBOW, C tcanaene of en ri frem m Depoait, or 6 (8r ld Pbrha) or this mamm?a?s ?roxth ?to yri peaode ra1a14. ri raw and acct ANMUIL PBICENTAO RATER maV win tWasY and mpY Ncnaw a rleetess based on t sung irdws, r fond N The War Shat ?orea4 PM ri eprpbh ep Naalr AaUOaad myd TMes tl?pr whp la s w ri 1st Nyoudine bNprtq p ? ?rv ? p??yy d?C andrq c. H the coda D iPdmel, F 119 1-1B1Nn or 0 0- 1-18011 Rap I Matey) apprn on ri from W you nmmnem nest I ri Pmlede mkh1, du periodic rats and wires= IAL PFIICENFAOF MTFS may win rsadi rhd maY k'rus d dsaewe bawd on e' ota[ad ilAcas, s bu 6sd N Tdss*a d Wad ftu % tmlal phr iod the matgah pavlo on d m you. TMs deaod win be enecgw an des trot day of your bill W "on menial. 4. Aasanrnma d Lase, OvafehhM aw Raehnha0 Faym•t Few. Your account 1w41 be asoseed no more lfpn two of ri fees ri hated new thet occur during any MNng period Under tit amp of your warner apraamem, w cram' nd r a wive or no to arms try Iesa welhmr wfor notlgeadm m wiIneut waiving our rip[ m anus tlp asp or hinter w a am rims. 5. Yv Aeaetaa. If a meln0erafip Is apWaa m ri 1mm Of thin awaraat, you Mw 30 days fri n to Me this antamem ass coded to you to Mw ash M ersird m you avald Wyasl ri M or to Bcor Wnw m se access s MMnp m pry m: memMaNp M. To asset your -trout, yes nun and paY yew Nsw Balm's' N td Nxdutdng tlp mmnbsre b4 pain m ap and of tM W rN-0ay psrlod. 6. N You Clan Your Asseent. You can IptIM to does nyoahsr ahsora Dy wMinp our Cutarma Rais'on' Dspmeam. You [coat dstmy yts tm1tR u1M4 end atxsua 'brew dhseb, eas'N d pteeW'dea b11np, /rid Came yes soematL H you do rot mlhCel psaarrl'az asrhpwnms, w wig Corridsr res4pr M a drryo your ahNeri:aUan m hwparh your aocorm. Addhiousy. Von seems wa rm be hioesd cad Yon WY d 'moto'r yes oars s ahchdeha arN due nfran, yes Mw ad'risad Mesa tdrrps, pan owrgaat advance , raturhsd Wyman lea, ra4h mxsua. You has e aha 1o tips awss`wthstMr l close we appear an account or they mnatoumd abwghs `a [into yo your requw m dos the secaorh. This may mach I. crrrae anowhino co your account after you have wg oeCU ailed a chase has Idasedy been closed For example, feCNw the [rwseaco taco ri -4014r=lad, accoun hoe lees ad, your 'stun' ri memo[ of 11' d'pe wi be ldded m yon eCMV[. oM yyoouu wtll be rwpmrlbk b predawn. H tlere k a mmroaraap M k` dins mxam4 ri M will continuo to be d'rpod, to the s'am pmdaed by kw, Less the accohoa balarhw its bear paid N full as delfad above. 7. =Y: ? Awuaa.Your am or account tamot be oeCdah well any meant gambling ilalwglaa. 8. IMM AbaR Baobab Chrok CwtvaNort. Wtan you =11ds • d'ck w paus wo m has mbmatlco even ':-X=s u of akctmNc find trarekr se=.n bank aacout or to prover ri payhhram s • scthon, Wish w uw i pa eorhr you dhsck to nab n ekdeoie fund nvaramektrlenluala maY be hMtldawn Iron you bark access as soon as ri saw day w too" Yale ar WNwa, and yon Husssot salve your check beck from BILLING RIGHTS SUMMARY M Gs Of Emma Or Orawivm About Your MR) H you think you lea Is wtarp, or ft you creed mom informed- co t trmeseico a as, aka 1. s on a sap Iran Nham as cos as possible at ri addrw for irrgdds Nheun on the twe of this satmnmt. We must Iwr from you no Inver tm 80 do" ales via am you the Ira bill an Widr ri sna W allpsrad You can d our Cuticular Relniarr unbar, bs dokry w all not Dmesnee dins dghw. N -=I' give us ri klowirq a?naUat ever spent e roorhb amount an drip ahapacnd 'rein, • deaedprm tien of duller of do ear and an srplarutlan, Ise OosNbro, f f wWaryry you brines deals 1. m actor; a H you rrsad mom wpUah, a daah:dprien of Nb ri hen You am car w aloud You N not have m pay end snare N 4htwUen wink w eta awutlsnp k, lour you am wa m pay ri pro N yet bias lint am rot N m you . as dgkqm we NvewiWn or cake any yon action to [ to Cswleet the ri affrou t vm questiont. t.t SpedN rude For Credt Cad Phrdass If you haw a problem vdUh the WAky of =try w ans :=jart in co`dte ","h I praasm vhtdh the momMrt, yas may Ihsue ri riphl not m WY `M hawiNsq mnehrt des co tM p?My a serhics. Vas Mw tNa pmuclon plyphrdpw ass wa mau *p= IM you -.prkt assde In you foes moro tMn (60.00 ad ri or within IW nhsw N your= addle:. of w own of :dverawmaa for p ' = athe s purchases arc ca ropmAes N resolve or location of purchase.) Please rararMm m Npn d c" a'pach'e. t vas sot appY m rsnmmrer eomersetr and stomas, t Dos not apply m brmbes non -At cad sccouua Capital Om ahpports Mlamation privacy protection, sw our tvab car N vvvvw. con. service .810mr i's a V end mark of Ca Corporation. AM Was reserved. 0 20003 PkN Capital one 01LOLSAK z z z z z z g z o z O ?i O to:s h aepmtm of you IhWcuts ilorrevsr, If you d the New Balnss'town co your Paulus'['r'ant N for If yes woe be" wa =coo or a eyed[ anout), new ttawadles 'ri'ch past m your puhdrae a epetdN phrdrw rgmwrta as not added m ri ddy We Nay day bMoansela'as n ova ra d is Mlm cl ass bV ri m Maine ON nsrihsr of in to cureare and bill A • race dpsP. mradpiY ysu s pre To calculY a sa bvttlhrtale dd_ pry erb6e me and ay tM numbs of dada N 1M berg Wes. Due n 1oWrhp m a ddy Deis, rhea maY loin a Nqa wawa Oetrhaen auk talNSco and ri wnohs of Hasse Cho?& adusNy Me= b. H "Code Cho? & N appasn on tbs tram of We armament next to ISelmhco Wm App To,' w mdtlply ri .. 48447S 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. Qwft Onea VISA ACCOUNT 4121-7414-5984-4051 • 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. jowl Account Previau Balaam $871.52 Payments, Cre n and Adjustments $50.00 Transactions $30.84 Finance Charges $18.34 New Balance $870.70 Minimum Amount Due $670.70 Payment Due Date january 03, 2001 Total Credit Line $200 Total Available Credit $.00 Credit Line for Cash $200 Available Credit for Cash $.00 Atyearseroire To eaB Customer Rdstims or to report a lost o doles card: 1-600-262-1493 Send Paymmu Wt. Send inqun5e to: Ain: Reminsnee Promsing CsPod One Swdm CsPiul One se rim P.O. Boa 65147 P.O. Bea 85035 Richmond, VA 23276 Ridtmond, VA 23285-5015 54207S Onea n NOV 04 - DEC 03, 2000 Page 1 of i Payments, Credits and Adjustments 1 22 NOV PAYMENT RECEIVED - THANK YOU 850.00- Trarnactiom DATE 2 03 DEC OVERLIMIT FEE 3 03 DEC PAYMENT PROTECTION 1-888-527-6904 $25.00 5.84 Finance Charges Pkam ra re mm ndefor imfmmnt info rowesmn BoI arras P niohr "fi"g in e gyldm .er l:tlAK PURCHASES 8861.30 .070%% 25.90% 818.34 CASH 8.00 .070%% 25.90% 8.00 ANNUAL PERCENTAGE RATE applied this period 25.90% ? PLEASE RETURN PORTION BELOW WITH PAYMENT. 0000000 0 4121741459844051 00 0870700050000670705 New Balance $870.70 Minimum Amouru Due $670.70 Payment Due Date jamnry 03, 2001 Total endosed $ ?1 PlrmrpsrrdhnA-g kbmrrsnrhhr-hLrkeon sneer Ap. 0 Gry Sam ZIP How PMm Almosm Phone Capital One Bank 11? REBECCA J CLAIR P.O. Box 85147 c 18 N FRONT ST Richmond, VA 23276 v 1? LEMOYNE PA 17043-1327 Ittltlttlltttltlltttltlltalltttlltttlltttlltttlltrtlltttlltttl ? Itttllltttlllttttlttlttllitttllrtlltttltlltttltttlllttltrrlltl Pleare -te yore areonnt numbr an your drxk m money mdr made fayabk m Capita! One Bank and mail in the endard enwJof I- E t a. Qw MAsd. You will Mw i milkman gnaw Clod of 26 bye wnNras frlarca dr en new ptmiuu , new helanrw ttarmm, new pear purdow and rww other ding. If you pV Vat mM 'New Belarce, M moords". E r the ktrpwtNe Nodco for peyom s below, sd in tkre fm a to be aedtadpby yw nxi wtanem ma papadM insured eN lei addPNrrdMoa Y roo Podod m any %tew nor, If You do not pay dr total New balm w.' D. A•mag Fkmaw Oran. Ttawdiar vdidm am rot etgea m a fpw period am ward srrrKa drupe 11 loin tM due of tlr twraetlarl a 2) tan am Clam the lalYCaal N p rued m yaw Aabrnt w 3) from tM fro eelerder day of tM alltat FlMkrq period Additionally, I1 you ui not pryma, erhrp hrndoea nortknne to scorer ea' flan 1 m pmNOu pales h Ir'New d 10 bwap your unpaid belerlw until the umpam == full. Tlia rmrarr You dm auy eel paw a Z pay the smim err Balaree kdealad on irar[ of r yw .. by h nee aweurerw Cluing derv, bt M not do ee for to praMats n1oMr. lllpeld slralw drrun am ddd m the rpnsa u your Aaiun _. _ r *w% Dingpeddthat. tc. Yirisr Flim- fo rota snow drge rawmrmg rrwn ere aopiestm?w your perloae mtels) N Iss tlun f0.B0, we vJt wbr Aut emolat lam are w.5o mkirem died ere dxsreca coal M tied m ems preMw fapns? d accout. t d Tampary RsarYs In Fkwra CR we mane ere Aar[ m net u..a env a as snrlw cirega for my oven 2. Aveew DeY amlenoa fe"s New Ptrdlswe e. rklwce (imr'ga N Cala61d norccoum0 thr: Clay by tins wmeparnarrp easy' padoae rasW eve mar bar prMOmly tlladaead ro Yes At are erxi of slim d. Ming are =0=.8=110 del pelloaC ro/w 9 eetpri dely Mlenn of eedn tM naritsTh are diy of dodam Oro ended n add w lpodi relmrudt?iap .?spar?atTo get em ms tow pel?? lklanwdrBa bryes. y wi C ter sacll aepnap u yes awwt, cod ub U. wpatwg bafares fpm eanb wpnenr arid add my rrw irerraCdar end wry pedoac *- dwpa CaleWsred m eve prevtou dYa balwew ler art aapnrrL we awn away army psymes a ereaY poered die OF art day art are albeated m err eeprrem. Ttis plus u the aapamte dsaY bNwmlw Belmw Wwmd an Vow au "XIdY? Fateersx Yti d1 i d(orr if Vars new belarce was zsm w a CM& erlwtW, new trerwNOrr vdich Print m Your puclrw w apedel cMN?r errer a wwdM bMmw bN antldiipY aN thedr dopy we belawae topalwr old dNdrg dr sm•n by ere mssbsr of the dew N the eumarw baarms coda. To eslaiate Yours total may be a r amant of pam{oae rats. To Wteln the awrags uilV b.1-ce ter the fillirq Clad entered M tNa uatenlaw, we take ale f?r lalloa of each aagnlam mch day, add my new rr to each "Pre rit and subtract arty payments or Credits. (x em code N appear m the from of tlYs waamas rm s to 'Satarn Rate AMW To; we Nu subtract wry errrce clmrae irrArdsO M tM Dalerrw Trb aw u the daay 6aNrce of scrim otudtse "Ps 'd . ? p .0 dNy brmus?mr each unirr of hp ti ere blip parmdaefdTNSe awe u ere swops dWY balance of eedr aepern. 3. Mssr Ferwtaae we IAPRI. a. The mum 'AISW Pananuge Rue' may Opp", as em sat of tti atatenrw. 'APR' an b. x to cods P Fdmsh L 13nro. LIBOR), C IGNscam of DaPOaN), a S (awtnerd Pnkrms) dipper m ere from w tens anemaa nee m tM pedoae orlN. ere c reran and wrraponanp ANNUAL PMCMrAO RATES arY wry Wsmdy and Y kwaas a 6emw based m to mated Imllem, Me lound In The We# Strut ibea ( phm maNkr_ ?nMatrY you. TMs d aedoaed mayof yot trpat vws M wen em suet tl Pe bygVVW Periodic sumum ending October C. If tM cos D Wisml, F (1 vio. ueUNl er 0 (3-me. LIBOR Repriced MaWyl appa?m m red from of yw wate ma nee to to padodc me W, to padoek diva and traperrarnp ANNUAL POiCENTAIiE RATES may wry =, tld maY kcm2 w detsss Mad on tM aerad:;Clew, n:rend Mt The W, Srmr.Ior•rme4 plu 1M rwmgin previorrelY dNdaaed to ysu. Tfws drngMe ? be N w m the sent day of your W&V period 4. Asasum Of Lab, Owresel ad Rohn-, Paywrad Fw. Yaw aCCURT era be asnum no mom alai two of am met Vaud has OWN occur dung my hlWlp padad. Under em Clore of your cuam_ agreaeam, cos rarer are mipts to waive w rent to saws arty lea rddra pdw noeseaem to you vMthow wah ng w dew to asses the same or sender a • laiar dens. 5. Yet AawaL It a maeMrstip M appaamenare1Mdam tHa aut Imaw Meiw %cow, you M to 30 daysdiem arlmamb mNd myou m avoid ps*V err 1a 0 Is IN wait me aWmd m Yorr if you cud yes acowe. Dtlrg ads patlod, You m.y wrntlmte m rla Yvon aCfetat ahrlatn havkg Ip pay to rnodu Day cdwrTgo ?Cuama?iar geliuwr?Dspa?immen nd pay yua Nary Balwtw' M lea faxludrg Una nmmmbaraap tea) pion to are and of ere 1Nrty-day period S. N yam clue Yaw A"mrL Yalu con reeuat m doss Relatiarr yyraww atcaw by = are Customer Depsmsert. You atW dstily yats aadb uN(al and account access decks, cold as pmaWbded llssng, ad Wass aowtm. x yal do rust corer; pmatMdzd anegwtlerts, vre cow corrxisr recaipr u a drrye you ashossatlm ro mapan yywowr erxrmaw. Adaaorrpy, yes accolaw M not M Noasd rpss, pea trarrmfio rYyao aWo zd, srmarcdipdr due fus, oversai ma, rah 1 payerlt doss, wW ad-roe 1aa ad ally atiref fee /Yard m You aceorwL You we reparOM for era alr,w, wlrthsr dYwe aim rarLVler err Mdiewrtwwamtl wed Qlmla m 10 yw mWm to cbas tlm acaw. 11 cry rah M dumea appYdng on yen eco m aMr you how cloud. For exernple x you aoatodtad s?Pwclwe lAn a werdurt and - receive ere tra ma0tior feet are memMm asw your acews has been cloud, yw acoout will be mcleewl. es areoat of the dmrrqge wall be added b yw accwu, and you wen be laparsw or payatwn. It ewe N a nlwnbarelip fee for yw atWwt, Yle Not cow tkwe to be drroed, m ere acmt permitted by Nw,m uM the sperm bimmm ha berm pNd to k1 se aarrd Wow. 7. UehV You Asaawl.Yw cord or amreraa carat be used in eorvrNam alA any kwsrnt gambling S. clubs Abet Baaesds Orek Canwerais? YVhen you to proMde a drabsae yw s pay duct you to ost rukm ea a one-time elaaforic mrie kexi w W traMer from your bass mactim . W a to proaw tlr paywwo Vo e m oarwdononmm cos w m lnanrm y w Bhrek t ro make an emdric ked turner, furs mey a wmniawn iman your beJc evwm a tom u ens samne day rue rsssiva cow pay - ad == et receive year duck back from yw snarloal tietbn. BILUN3 RIDNTS SUMMARY (M Gs Of Fuss Or Questions Abed Your Big) x you edn* your bed N -o w x yw freed mac kmimnaU. en s tlalmme. w al, wens to u Co s a•pamm Walt a awn Me pweate a V. dither for km¢dbsa mown mere loot of pia aabnnerrt. We cur Ire from You re Ntw sun a0 hdeyysa after vu eam you the scw bell on wAdd ere pro a preMerrm appamsd You can p?Wpw?rutwa. RYedme rmmber, lot dokg a wY nm inlowitnaianY?yot?iwnah died aco?asaiawinE , Not do6r amour of am nepeLted error. s dsmiptian W Ne amr ad m eplamaen, If pwlds, ofaRw you babes tMm la an direr; w If you nerd mom klbenlbn, a dsacdptim of ale ham you m l•rrae Was. Vco do rrr Frye m pay Cry smear let nprdm voila vre w it, lot Yes • etc obsgared to pay red pen of you Dar der •m not in qureon 1teiN we Mwedpam yet cos urlet V- *--dm. e,t Special We For Credit Card Purdlaw If you Mw a praaem wfM 7M qulity of prgrsny or uMaa aw you prsdlasd wiar ¦ ersW wen ad V. Mw tried N (Pd taM m wand are prohlan vAh to merdrrs, yes may Mw em des not is pay the remaking asst due on the poperry w aarvtea. You how YmN pmMalm oNy wlrrn tfr purhew pn» era mss IMn >GO.00 ad dr ptdea cos encode In yap ponce mne or ralwq •dasss. I":* euw or vAbh 100 =:r aparme tM x era meld you er adwNawnas for the property w services, all lwaclusas am Cowered NQled of sown[ w Nwtkn of P-haft.) Pleas rnanbsr m el fin al c:ff, rrderc/. t Does nor eA* to consumer rbnTJaW[ cad aaorads i Doss wH apply b bourass ron-credit cod sccora#s One apporm kdonns on privacy protection: we w a vrrrw. alwr.coa. Orr N a any raaaerW wrvia mark of Capital -dal Capoueon. Fa loss amaved. a 20 OLBAK D. Nere coda2erNaMe amerr Iowa nxi m'&facs Wb M Asooed To.' we w 54207S 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 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. QWIWOW • 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. Cap?t?/Qw. Account Previous Balance $970.70 Paymena, Credits and Adjustments $.00 Transactions (31.18 Finance Charges 119.38 New Balance $921.26 Minimum Amount Due $721.26 Payment Due Des February 03, 2001 Total Credit Line $200 Total Available Credit $.00 Credit Line for Cash $200 Available Credit for Cash $.00 At year reroirr To osn Cmtawr Rd.timre w to report a lost -W. aid: 1-a0D-262-1493 Sad P ymna to: Send inquiries W. Attn: RwAtt xPmmdns Capital one Savior Capital One Saviors P.O. Bea 55147 P.O. lira $5015 Richmond VA 23276 Ridmond VA 232$5-5015 VISA ACCOUNT 4121-7414-5984-4051 un DEC 04, 2000 - JAN 03, 2001 Page 1 of 1 Payments, Credits and Adjustments Your scheduled payment has not been received. Please remit the amount due appearing on this statement If you hale already made you payment, please accept am dwAs. Transactions DATE 1 03 JAN OVERLIMIT FEE 2 03 JAN PAYMENT PROTECTION 1-888-527-6904 $25.00 6.18 Fistance Charges Pkarerar re en& for imtmiast rgj5rxu m C-? Rog glirdm rrr PURCHASES $5$0.53 .070994 25.90% $19.3$ CASH t00 .07096% 25.90% $.00 ANNUAL PERCENTAGE RATE applied this period 25.90% 488805 PLEASE RETURN PORTION BELOW WITH PAYMENT. :apift ow 0000000 0 4121741459844051 00 0921260050000721263 New Balance $92126 Tod enclosed $ P4arp.hrt.Jdre ?ae1 kksu eaisrkb,r and uok Minimum Amount Due $72126 Payment Due Date February 03, 2001 Street Apr. City Sum ZIP Home Fhma Abeam Phone aaasa? Capital One Bank REBECCA J CLAIR P.O. Box 85147 °m ! 18 N FRONT ST Richmond, VA 23276 m !! LEMOYNE PA 17043-1327 ?u?s?u??ns?s??ut?t??u??us??us?lur??us??ns?lusl?us? ° ?us???us??lun?u?u?lun??u?lns?s??ut?usl??u?usllsl Pk- -my- aaawt .amber oa ymr c mk a money order made paya&k to Capital 0-Baak end mail in dx a dw d envelope r t? ti 2 Z 2 2 2 g 2 Z D ; O O 1. New, T. Arvid A flrae Gree. psila6c tar. To obuh /M averep rWIY bdree er the your aceaat H It has disady been dread. For sranple, • Oeee !tiled. Yw wY have • Ildnilmea gad psdod of t bRrrp e0lmned by tllN Malrlalll rxe aka the If yw walne ad a piwelwe frwn a merchant and we 26 days vvhlrae iunoe drroe an row pu nd rduea ew ea, new wilco l hd dd fax; ante of wch aaeacard nt? day, adpd any new m aaorrsR fead rewire the t terwcti?an hen Oa malcbent char your has y a ou n, raw epe pwr uass n ertd It en rotas "Now Balance in drn w M ou m 1M has of IWtt (d the coda N apps or raa0na ltre amouss of the Onarp w /q be added your a cox y WY y , ft y arcordwco Mttu the Ynportps No6a for paywarn below . wa aNO stwo a roes m •Ifdarrca w T" , for payman. h men N a be 1- , and In Ikra for ft to be ctaOmd by yar eal atamnlent r Wwce aOtrect raw utpdd slarice the b == . 7=M. a your ae mamsmup M care, Os M cone mntaers nmsh ndvalosa tlpnp !lone. rlier6 N ne pore psdod os l d n ddd m I of sadu eepr? I Tile ghee u der dWY balance of eadt as 1M daY Wlanew /v rdu a nws Than we add u so be cdrgad, m Os axwnt pemdmd by Nw, until dra aeoanl iWnoe hp Wes dA N ka p deand above ere s nor grace psr o end ;pedal Innnflie. a an, m wry trarraolen if ym do rot pay tin total 'New a p • , p yy aaptam ter tfr biltrrp ;pupal and d1% by tits toed P . 7. Untrue Yaa A..Yao osd or aecsurt eaerot be balanos.' awaer of by M tlu M" padod. Me ghee r 0. owed in wrrcdon with any Interval gwaMO ree Orde. Tnersactlats vrdtdr an tot 6. Aaerniig Fer T aver6Nar1Ce w eaargue. = %= irraseti rs. asawaad fiuiae nirrge 11 sudden m a papa padod . 3. An Ibsr IAFR1. , wd BaabaNs Otl (krwaabrt. 1MSn you 8. Netloa M hem Or dam ctian a 21 firm the dap the MOs trenr a a. The tam '/4vrW Permraa0e Ram' maY appear as provide a called! atlrftn u amsr m - trarraNen Is Dnoceaaad to yw Areoua or 81 flan to APR' on Or fiord of clew autenanL use ' ' wlOn firm Your tdwek to male a aaakne ft m fine! talatdar dry of tfa rtalam M" period Addltiaa ly, It. If the coda P prdmal, L (3-nno. LIMM, C ICwdfcate of slecuaric said tracer hen you bwd atovin or to 11 you dal not ply tho'NSw Bwerioa fiam tla psvlas or S IBadxard P h I appears an the frws of DeposM, h bdl d d process tlw peymws as a chwk transaction. When we InMnwlon h w o r d k to make an abetmrsc been period in 1V, M. Wry; asskrw ro aserue to ywr unpaid betwrca u dl der upeW 6aiarce b Paid in 6A. ann c MOM, t e oer e th wnwmrs ms ro me pe o top and mrr? rail AlfadAL P61CEITAOE AATBS MM AGE y mc ua o u turd transfer, hands m ry be withdrawn hors yaw bank Thh means that you may a1a owe tnrarros tdsrpa, even it based m.y very prrtdy and waY krcmeee aecarn r wan p acme MY we moYve Your d m you pay Ou entlw Nwv Bdr w kdenad an tM from of an ilea aumd Filer, r 1, In 7/w Wep Slept payrrws, and you wN tot rwMve your uisck beck from your alarrrrert by tM rrwd watsnrsra dWnrp tiers, but did .bona/, pka the mergin pmWoLWy darJond ro you. yw for n katintlm. tot do es for the prabois riradY Ilreidd Wrwse charges f A Thaea Macs wH be ehaetir m Oa is day of yes edodc KmrA s eMn aled WYK d b wr dW &WNO MONTS SUMMARY your MUNL are added at The =F: pro o '? G tandnaw Fiance each Maine period that g y y p W p F the manda JnsrY. .Syrr and October. arFO O h D d F 1 • a (3 d fin Caw Of Finn Or Ouadwa Abas Your BIN) If thbs ou lea N weant a h m toed mss o your aeeatea b w???N(gpct m a fncanxce rJarpe, a mirtinran toW ..WE CHAAfiE of e0.80 coil be impopd. If tla yao. t tno. c. e co mel. or e ® 1 LIBOR Raplimd Manddyl appwn m the area of pY y y p, y u atialnriation one tnmwtlen m be. wil% to u on a IotN 6iarlce dater tseWlkq wane Va apdiutlan of ywr t wM wt a O M to 30 tW Marcos rR m tlr perNrfc mmW, t w pedode toes ANNUAL P01CFJn'AOE MTFS ma co w? d one alert ea noon ea pawase in ess 1w udes ahowr an tls hwr of tide wwrrR Y N4 rmrw , we w m u periods mlNsl N a ur . amoua iram tbe e0.B0 mkwman aril Ala d/Maxes we be y p y vary maN?y andmaY namaae a deaa law bwsd en Os 7 6 l a q . hear from you no crow M:0 tla?yxt ;few we was you the f 61t d Y elch h i deed r Os µndrae as?wt of yaY acmxart. t d. TeaYraery Redee6a I Fkrrp Grp. We re - Oe Sf/aa. er/na( P rs Meal kvfop, p fond n 7 e Wi 1hemargin pnv{ady Aadossd m you. 71sea dwrpss ro ou on os w t e error m Prab n•? app "re rot our Qstamv Rdstlas nrru6er, but deinp w W nor n" ddrt to not spent any ot at isnoe charges for any given bic wM he sfNedva m IM frw daI of Wu dakq padod mwd1 Wu ddsa. in Wu Iwta, ekw u Ntowkq yar rums and amarrs manbar tM ddNr p =1. 2. Acorn IInsh td Maw Nddraesl. h W b dd l k WB W b d . 6. Assessment of tale, 0V~ and Rebnud ==F%6 Your aecwd wR be otsnM no , ?ecud srrdr, a description of the am and on atpWSaon It poalMN of vdw ou Mine dare Is e a y mt p y lp t a. rrtoa Wnge eala Y ou acsws Is rash b l f wch a mrs 01 == listed ham test a:aw dudq wry Uder the , , y an error in It yw teed roan lo fenradow a description of y .a, e wrar o a p adsstum, piadaw, apndal tweeter, and apsdd pwdwe) term of your aramsr apaaniana, coo rsserw 1be dent to , wean team pu am arrow above Yw m nw irw to pay wry by the cpraporrdnp dW1' pedodc mtdd tire! lss Mew went wry few vdllrorw prior notltcadm to vM- or rat to .moue n eraNw wee we m hwatlptlrrp h, bu yw pnaNaaty daeloasa to you. At Or and er each day aanng padod, we aPPW the daily periadc role for ads wehaa wdvhrp au dyd to posse the sne or we", w a tour Wears. am sts abagelad to pay tine gem of you !heat em nor n questlwt. Wlas rn Nrwdpaa ynr permm. we umw yeot de N y , Mlanoe of esuir d arraas m m r 6. Yar Aeewad. If a mewbauadp fee mpon you a deigam w tabs wW atNm to collar:! the th s d t Y lp at . and p be Td 30 d A M am°us vw PmWon tlr sn 6aY nladatlar to id Ye er nwdtn n W dd M der lone fhb watwlrad wee W m you to ays e soh M MMW to ou m 1M M to h dd F P h l agnas. es a up t padode fnianld tdanp br wea raerMa 1mn each aapiru m arrive w der aotN palodc av pay p o av y It yw tarsal your aeeamt. Qawq fhb parim, you may t,t Specia Rue or Croft GM m aries Ilnama danger mr yen aoraur. To get the tlNy bdatlce mtdnsm m ctae your accout vNOau IaYfip m DeY the II pu lava a prodam vdar the in of o r for h aapnew of yodr atxouiA, we us, a* MepkWrtp maMwsNp ee. To fJrteN yaw acsaas, you mow g = wrylns tlal you psWas W a cued! yw batanw fir each sagatent and add any new train sactiwr hotly u by mom aw Cu.. Ralatiae Depaswr ' have 1Mtl fail m mnlaa eta problem vYltlx the = w h the cod wry lrrsxd !harp ndgrlwad d tbe pmfou ! YY Orr auLtract co / M an ' cod pay ywr Maw BaWee n fall (adtidrp des alm m tlr aril o1 tM NR marrWemd M{ d fa'lod : , meidanl, ness the dgm not m ply ti sap wagon y or t e y e P.ym.x. a evils powsa p sf ttrt day ton am asodled ro thw pprsn. Ttin elY•a saw 11a ;gran daft Milano ild ti f Il N p p Y Y • 8. N Yr Gen TOY Aaeaua. Ym ern nest to dese y rylno err w dstm aw enadq ceNW and -= amoud dos an the puapenY OF prYicr. Yw Isvn tds protaain Old ? Uw pies coilyouywa mom dun .o00'K:* d 1 u= urea meta in hero oar or ovrevsr, you g e for each arpnat o your aorounl. j: Balances deYSx m Yar pisl6su afwarra in iN (o y y w wei dacM, ewdd ea preaudcwhed Maang, S - vdeln 100 mint of your mdtnp addn pf are own err m the msnirn, a if wm milled you Or if vmr raw balaras vrp xwo of a !spilt arwasal, new dd elch W d and cam yar wmtarl R you do not ranch eve era coritlar rawderizad arrat wnrw adverdeprd lot the gapertv a prvkp, i prxdups pow m Ymr pa aa a apn treraar wa w pwdaw aapiwea an ear atkba m tls Oily bdanras. We pr M ifs Wil Ow b l O m dNI p p , receipt of a cnergs yoiw awarizason m reopen par domed AtldtlwWl we nor be accout ou s am taYared n{pNsw of wows o Nudm of Purchase.) PMw nanuerMSr to dpu a1 mmgwdanen. p y e average anlce y a ra a te N c M ab y, y . = Wks W == IN, n t Area not appdY m tanwrmx non-credl tale acmuns n ewiert 61Yrq n:yda. To cceiWate your total O ie frxam chanp, mJtlp1Y Ywr avape dWy bslarae I tM r1Wy ram cod W tM nnuber of dap n the Milne dall M l alu M d red, arm w you he wd dw Np. ovadkdtweary a 1wa, mooed fuprad Ms, mh advaaa Ma ail tlr fees aawrW r pu mdda for Own aruaate WI d. wawa Ym an ina i Does not apply m brwhmas not-M and rceaob rrp nn a y u e, m r-Y a pa ro taw atilt Arend herrean litb dleldetlanx erd ine amamt of m f a d . p may appear m you abeelat er Ine there you nesw 10 m chow tl1e caw s a Colonel One supports FbweOon pdvacy protection: sea air srebahs a www.c?t nom. N e pg araria wierun y ;sewe . frond of this watemas b. N tin Dods Z or N appear m der in y wr n puM to don the ;:=%:= of Capital Rone b a Ndsr ly mo'wemd ssMce mark next to 'Balance Ram Applied To: we mdaply the .v.m,w n.av --a m erir aa-wr by von manrnYV t3rryw apd?lklp on Your arcwr char You Iavn rewredthe eraam m h closed m tlr reodnm of our w ndd conporatiw. r3i dyer. mwrv e. • 2003 C•Wxat one Ol LOLBAr 48680S 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 frbnday through 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 m 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. Capital One is a federally registered service mark of Capital One Fnancial Corporation. All rights reserved. ® 2000 Capital One Cho. Account Previous Balance $92126 Payments Credits and Adjustments $.00 Tnmctious $56.70 Finance Charges $21.59 New Balance $999.55 Minimum Amount Due $79955 Payment Due Date Mach 03, 2001 Total Credit Line $200 Total Available Credit $.00 Credit Line for Cash $200 Available Credit for Cash $.00 Atyaasrerarite T. esB Conoaxr Rd f.- or w report a lost or stolen esrd: 1-a00-262-1491 Fos TDD (Pdeoommuaiono n Dwk, for the Desfl ...;ft ee Is?i plesre a4 1-800-206-7986 I'a?l Send Pa7mma to: Smd ingwde to: Arm, Raniumo Pmonsing Carol One Servim C¦lital One SeMW P.O. B. 85147 P.O. Box 85015 Rid--d, VA 23276 Ri h-d, VA 21285-5015 511735 VISA ACCOUNT 4121-7414-5984-4051 JAN 04 - FEB 03, 2001 Page 1 of 1 Payments, Credits and Adjustments Transactions DATE 1 04 JAN PAST DUE FEE $25.00 2 04 JAN OVERLIMIT FEE 25.00 3 03 FEB PAYMENT PROTECTION 1-888-527-6904 6.70 Finance Charges em Pkareta revareaidrfar -pertmtt enfo aims - - ? g ? I= ?g r. , ro CHARGE xee PURCHASES 898L66 .07096% 25.90% 82159 CASH 8.00 .0709691 25.90% 8.00 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. V ow 0000000 0 4121741459844051 00 0999550050000799555 New Baance $99955 Minimum Amount Due $79955 Payment Due Date March 03, 2001 Total enclosed f Pkasepeaf aadaaA.gr,kl--gM.-,W d-k 25.90% Soeet Apt a Gg Sae MP Home Phone Alwam Phoot Capital One Bank REBECCA J CLAIR P.O. Box 85147 16 N FRONT ST Richmond, VA 23276 LEMOYNE PA 17043-1327 Pleats ante yo- ancowd number m yoty cW or mmney ordn made payabk to Capital One Bank and moil in the endw d envelope r t?C t>_ z 2 z z z g z O > QO M 0 ta. dra- ItiN. You w1 hua rddapease ceded d 26 Gp vvlenlt snare ea rlevv pwdrase, new baorla trenrbn, relnr epedr pteehur and new Derr eemnderwe ytta do we Notice for so beiaw, acid In rorle for it m be IXeeled by YOU neat ItatOrrlent aW pipsdal trersiam it, adadon Y m 4!xe period m arty tranaQlon if you do not pay tha coral New b. Arrke Rreae Orae. TrarWalarr wHrh an not rdiact ro a War+ period aro severe Mrrae drrps 11 keno the dr of the transeetm a 2) Iran tied date the to calm is prooared m pun AcaDw a 3) from ale transecdon era sterner day d rh arrena balalp pedoQ AedtiaWy, If you tad rte pY th 'New Bel b haul tied preNata your unsaid bdertoo urtl as urPrd bass b W furl. The mere that you mry eta ovw Murga, eon If yen pay aw wan New Baieaa n en'"orna m d%:- of yea etmenrlent by aw oar ataerrlert daaae bu did not do so for tha prevMe maltlc Urp¦d llr e h .M. an added to the eepmem of pun ACCOIIt t t. aarlkenw Ffinnrse .. For tub baare -fiod that irnrene flan tin $0.50 rmdrm¦n and are et'Ienarlce won be bleed m ass padYi¦ ¦sp.wm of arxelaa. td. Taupereny [Itlrea es aYl FYrw. On charges Ws Rrrve doh to prerwbtd¦¦¦eny or as arrnee aharyss for any given 2. Avenree Osy aWr IM4tila Mwv Ardrr¦I. t. FYrr1Ce (drroe b rdatated 6Y atda01Ya10 Ue WBV s ===y tie dMy periodic rat) for each eass 0eayr Mlellts of suh emote. Than mar end of ass MWIa podod, we add up o rswdu of der d4Y calaria - m arrive W our calorie Mena drrpa for eadl teprra. lye edtl rp fh ache Ilola eedl vapor ro ¦rdw :,:h e aut pod", rree drr0e for Yea amen. To ass dtlr balance r OaCh seprm of you aGlea, yr Ub ate ?q tar farce for rah seplners ant edd rarfity new an to P %1 erhpsriodc Mope dugs olatred m to mMae y's brier= ten eve eepnrlL Ws tlrn ndmaIX erry iyawd. a ewdU pred n =.I=d. die aaourd t eeprlena. TNt rive w tf you a paid d r asdl wpnem of pear acaut. Flowrver, you the f rw Balulce drum r you pedan artrwt lot M (or you eaw baWla yr me or a co di arrtara), now erector Mtdl pod m ==z7= aotrr eeprwr en We iaaate ass avwage ash Odarlea by aasrlp N er Gay psdOdt n1e. To ebtNn rile awnep they Dalarlca br the bmbelaria otof each ssfFnars each tut, ads nut rrx' m .tw+, MNOM[ ant natract my wpwta tppO?R s emdrs. (H the C0? 1'f an en biked 1M fiaa OI also a mot 10 'Bt1?0 ROR AppaOd T0.' M rd DKIN any unsad Anrrlcs charge Mcksded m the btlena:e of d neat nprwtt.i TM glvr u tied N bWres of each Thwt, we add it papdoaeth GII celwmea for each nn one and d 01 Gp alhi 6i p pstfod. TNe bythe land ear the ualber awrps dally bdeoa of each egnent. sari Maarape Mta fAP111. The teaw 'ArrW Psr'catesas Rate' may appear r 'APR' an to hate of Hi ena0aeene. H the code P Prim), L 0-rao. UBM, C (Certarcar of Deposit), or a (Benrcare Precis) appears on the saw of rate enatenlete rer ro die psrioAe faN(d, ale e Nip and WIrrPDlrkr A1e1l1AL PBICENFA barred may wry rPrrerly olldd may klaear a dec Sb an tha stated Ydeaa, r bad b 7dr W¦Y eat Jaaeal, pkr er magln?rly drbeed to you. nwr drerlpu vela M m er and Gy o1 yea balkg period tawasd bV Your Dadedlt elaanent wLp linens Gr to are periodic MON. are polo 8 mass aonsspa,?? ANNUAL PERCBFfAOE TEe may maetdy ad wy aaeaw a Osema l toed d aaeer, r told h TM WM' SbMr.AlarL on ass pee eaeln prsrAorely 6= ro you. Thaw derpn ha sRscdw on the aro day d your 6ainp period It. Anreneend of tale. Cwralna d Rraned PaMnlene Fw. Nord Ilene thenthat ooar taekg W1V beano padDd lado1ass leans of Van aratoner agrsereena, tys remove the dgn to vmw or na to Meer any Nee vAdwrt prior rundac0on 10 wlarlt waiving eu right to estate tha Mme or sknB r at • -renr Aeewt. V drea. 6. If a memberdip M aPOesrs rthder ads de IrerR M did deter= you haw 30 Gp treat to fromsa urea mJMd st pu to avid payaq the be or m from aril too asANdm you If pu tslcal yalu acealra. uaag eia Pam. You arV mminr m w your amdrt Ydt)lOr hWp m pay lh um dh u by r+N Dun cd g t Q" prur er ,a WDape mdnrate an rte- (enaarowaa and pynyhlapa New Bderce' in kr ImdlaFnp tlr a. er raw Crea rsun A?iea. w rsq a m d- your eccoure bV tang oIX Culn= Metier 0ap acc t rmet Gamy your canWl died aca ava sa stakae shakes, nrcal as pnnM=ed:ad bake, end tear aawe. H you G not eenrd preaunlydted ennenlpeelenat, see wNnacposrnWydoeur ?p?AO ea?rrWVywyar amamt wMmrlac b rived eM pu pay lrta you ovw ua Yldllallg: y tRleaaear yas w ha arnow auded:ad, Mlrece dleeea,rpate due ft", =.!r= uned Myaam fees, ash adwna faea ¦aasred or Vas aeatad. YOU are raapalrkls br 61000 amaate warder =11r8 OF they sea =n nleedpem to to yax acrnrt Irk;- already beenaIumJl dunked Far w¦pie, if you a t,. pradrr ram rt eld we rxalw ale trarreceon tram the msrdrte alien your accotrrt hr been dunked, yarn W eoaam added to m h IecourC die rows d ass dlerga vW VW acxa.x, end you yye be retparkM w payeete. H awe Ism nlenneald? M ax yw ecwurt, the M waI Coldaae or be doR?pSada er sates pemiaW by Nw, uma are account bdnratohas been WId b ai ea dslhsa above 7. Using Yeen Aeaw¦e.youn ad a aceaan cannot be used In urawetkn wllh any alert genVdirp taineaction . 9. Mdbe Abram Oerarie Chwk Convention. Whin you proNG a deck r psymem, you aWeri:e u tttler ro eoakraortc tad at saw tram yob risk m make • aea•drre trenW been you bsrtc sewtnl a to r process tlr peynwra n a dleek trenractlm. When) ve r mbrmral hen Yea risk m mete an slawradc tad trsealsr, kakis rrY ea wrietdrawn Iran - bank aa:aea r soon u tlr err Gy vve salve your WY^. and you wa ears racafw race trek back from your MwariN ¦rtledon. BIWND RIONTS SUMMARY Iti Can Of Eras Or Oundom Abaun Yar N) H vw dirtma in T lea In wm or If You need mom kdomrWm macton a lord, wets to to m a =n" share u rote n poste at the address for klptdr dlmwl m ass hr of eta ataeerrt. We "let Isar trawl yw ea Isar as fm Gye =leer M esm yw tlw am bill on w]ich th error or prablenn appeared You can td our Qetarrrer Rslellorr rasaear, but da+e r wr nor prwrw yes riyte. ti your corr. give it ass fatovWq nMnederc yar rlenne and txxaaa rasher, tlr ddler amaao d Me elepeded an errs: IX it you error, a droeMlen d tlr door and m ; or if y an, If poaefMe, d you beaere ewe It mss . a tlsscripean d eared ass hate You ors sea. aboun. Vw G nIX haw ro W Y +m ?O b ro NO oklisWed j=r whae pay tha one mpateet yar Na acm4* tikea,teributmYounor in prealiorv talkie rw kwMaar Yqr gnrdon, aw canwt eporl yw n dWpOem a tab any aetlon m eoasn as amaan yw euestion f,t Special fade For Cmdh Card Purdler If You haw a problem raft tills plash of prapeoy a " c art yea pcrdlated vdal ¦aends cad and you haw trod b lime UMl m correct ss praenera vdel than alerdrera, you may have the too rot topay ass romain ng ssrlalt Mar m ass platy a rrvMas. rou haw this protscrim ady' vdrrr tea pradlw pks .we mow awn ?50.00 and 1M pundree wee nr& in ycur hmre state or =.00 nrtu d your aria address. 01 ve own a msrdwd, a H w muted you riw edwAaerrlert for als property or semen. as purdwr ass rnlered rsparAes d amoud a location of purehsr.) Plane realennbar to dpr M eorrrpadro. t Does nor spay to Canorlar nos crwf ( card aecoarts 1 Dos rf apply to bweker a WIM& rand aecnwos Cap1W One spoon Information privacy protection: sea wr vvebdw at wweV. Can. Capad Orr Is a rNy ndpend service mark or GpIW Ogle Fklsrldal Corpamfm. All ri?rta weaved. a t0D3 C.Pkw Oro OILOLBAr bdences Iogrhx NO dividing to Dan by ass -tw of the Gp in to curate hake cycle. To Ca WrG yak tow anarloa dtapa, yw songs - ealaro by th p tc marine a as = , man rn* bee inD dlpt griella! 6mweell ale alariatlorl anal er arm re of Mend Choea arnray narked. b. H to code Z IX N appeal m er hot at d" Statement me m 'Brience Rte Applied To.' we mlltigrly the 511735 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 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. Make A Payment Today! You are eligible to make a FM check-by-phone payment. You may be able to avoid late payment fees and increased finance charges by posting a payment to your account immediately. Please call Capital One" at 1-800-955-6600. We strongly urge you to contact us immediately to make payment arrangements. It is important to prevent further damage to your credit bureau report and avoid permanent restriction of your account! Your credit directly affects your ability to buy a new car, obtain employment, receive a loan or buy a home. Capital One is a tederally registered service mark of Capital One Fnancial Corporation. All rights reserved. ® 2000 Capital One C JCw VISA ACCOUNT 4121-7414-5984-4051 Account Summary Payments, Credits and Adjustments FEB 04 - MAR 03, 2001 Page 1 of 1 Previous Balance. $999.55 Payments, Credits and Adjustments $.00 This is our third and final notim that your account is seriously peat due. Payment must be received within 72 Transactions $96.51 hours to avoid action by our collection department Fiance Charges $21.05 Transactions New Balance $1,117.11 Minimum Amount Due $917.11 DATE Payment Due Date April 03, 2001 1 05 FEB PAST DUE FEE $25.00 2 05 FEB OVERLIMIT FEE 25.00 Total Credit Line $200 3 03 MAR MEMBERSHIP FEE 39 Total Available Credit $.00 4 03 MAR PAYMENT PROTECTION 1-888-527-6904 7.51 Credit Line for Cash $200 Available Credit for Cash S.00 At3mwmwfervia To tau Caatotoer Rdafo a to report a lost w stolen card: 1-800-262-1493 Sand pgmet, W. Seed ingaida to: Ann: Remimnae Processing Capihl OM Service Capital on. Sw icet P.O. Boa 85147 P.O. Box 85015 Richmond, VA 23276 Ri&--d,VA23285-SO15 Inwortant Account Information "Important lnfmaution"Pleax we the paragraphs entitled "Closing Your Account' and "Using Your Account" on the bads of this statement for important information regarding your account. Finance Cha% a Pkweim rerxrreA& for ea#dant tafmntateaa .pf6rlto rats PURCHASES SIA59M .07096% 25.90% 62LOS CASH too .07096% 25.90% 3.00 ANNUAL PERCENTAGE RATE applied this period 25.90% 594955 PLEASE RETURN PORTION BELOW WITH PAYMENT. V :Onea 0000000 0 4121741459844051 00 1117110050000917113 New Balance $1.117.11 Minimum Amount Doe $917.11 Payment Due Date AP6 03, 2001 Total enclosed $ P&.rp.aa aA&- b< rasa. w br.,r:rt aneec Apc R Gq sore ZIP Home Phone Al- Pb-, Capital One Bank REBECCA J CLAIR P.O. Box 85147 18 N FRONT ST Richmond, VA 23276 LEMOYNE PA 17043-1327 ?n?t?u??us?s??nt?t??u??ut??us??us??uti?us?int??ut? ° ? insuituiuuuiuiuuua,uuuutitsutiutuiniutiiti Please nniteyow aaoant nnraher m yaw cluck of money order madepayabk to Capital Ow Bank and taail in the encased enwdofe r s a? g 0 O gar M O N 1. Now To Amid A Flnarea Charge. 1 a. Orris period. You wR lure a nuns all pan period of 25 drys wahouR finance dharge on new purchases. new, spatial purdrass and cove otler charges IF you pay your loch New Balance' in sa, in accordance wfh one brvorto ... for payrnras below, and N tons for f b be oadMd by ywr nssl shlenrd dollop doe. Thee Is no pan pal- od on cash "vans and special Marrs. b. Purchases, Special Purchases OW Odw charges, If you do not pay tle ahha' Now BalarcY by your cad Wtsned dosing daft, Nunn charge, wee accrue on now pudsees, raw speck[ purchases and new otter chargss barn the first day of your nest Will P WW. You INy remrpa fe aniowd of fiance ch rge sal nay be asesseod by PMp more sear oar narinarm pa"WIL t c. Cash Ad"une s lad SpaddTnnahre. Cash odvercas and special ssnslere re i s s ssod lb,arhpa charge from the dale d to s'arwc-, or linedW t e fansarJbn k pnopasa .W yor aocwrt orone Ant nlanh I dry d gar cumin being per. You may not in* fkiarow charge on these ttruautlorr: however, you may reduce the eneud of finance step! ease may be loomed by MM your psy. nod early a' -I fe amou i d your rneyhnert td.'- I Saan Fl ones Charge. For each billing par, then yarn awoout k sli)eCt b a Arsae drugs, a Malcom sold FINANCE CHARGE of $0.50 hale be reposed. N pia old Rona de rq rera- - from M applatlah of your prkdge noWs) Is loss Ow 30.A0, we will sullied Saft arnam km Aar $0.60 niinm and oar dMas m will be baod b oar pudvs segnura d you adaunL 2. Avenge Oagy Releases (Mdoeng Now Purchases). a. To akuka finance dearge. war morph to dally balance of each eaprwa of your account (e.g. dash sdvahca saprrwd. purchw -roK opedY P-d- spmeht special tmeM sapmeny by your daily periodic rale(s} We sold the reads of mare dally aaloaeYons b arrive at your old pal- odd him urge. To obkln l a dily bslorces or the currord blip grsio, ee We go bpkaap balance of sech o d near beemocams and fineloce c harp laMkd on the plerrious day's balance to a ?; No sublies any ps"rearm or crodift pushed as of Tars gim us go sWar I dally bodes 1p each segrnens. To padaals your told Marco clasps, mApy ft Valance Rae Appeal m; which egW you asarpa d days?gie bIR1g prfp0. Dua b rou ndbg on i ddy bask sere coney be ¦ dpt vsrlsnce beiarssuh ink cakda- ton a d its moat dAnaos dnerw saaiaty massed. b. R eat code Z or N appears on go hot of dft "skilled axe b'Balonce RseaAppRW Tb.' we InutYpy ft average day bstenss d each sapraa by yourmmffy pa' I ram. To obtan to avails daily baldbe for the big peri- od covered by ink oYlerrherN, all ldo to begtahbp bel- ante of Inch as~ each dry, add any new eraeaans to each sepasnL and abbot only payer or credits. (o to coda N appears an the hard of 90 riffiftnuord nod ID 'Balance, Rob Applied To.' war also looked my unpaid Few daps included in fa balance or each seprenL) This gives us fa dely bolo m of each segrtert. Tenn, war add up of fe day balances far sarh segnrnl for to beep period and dvide by tla ktld r umbsr d drys In lie being parlod. This ghee us the average day balance of each element 3. Anus[ Pow Rat" (APR). a. The soon Wra d Parse lop Rats' may appear m •APR• n the sad of this daMrd. b. t One code P (Prkm).L (3-,no. LISCA),C (Carenoa of Dopo", or S (Banked Prone) appears on one fwd or oak steMrws nod b Bar pwbdb rats(s), the periodic reds and carespadYp ANNUAL PERCENTAGE RATES may vary quarMy, a and may nasalo or decrease blood on da stared indices. a bud In The Nay SPOW,bursar, Poe fa margin odpa? ?akday do of y to bayou, Those cousVes, era be olisco" sis per covered by yo pan. odrc MMenmA edwp n gar .,ovU January. Apt. Juy and OCOW.. c. It to woo D (Pma).F (1.=. LIBOR) or G (3rro. LIBOR ReprlI MntlAy) appears on to opt of your abobarrart next to fa garb rat(s), the perio I rake and corw spord w ANNUAL PERCENTAGE RATES may wry mwdh. yand may II10aMe or daaaaom based on to dakd Indices. n bud In The Net Shlot Journal, plus to mw* prevlousy disclosed to you. Then dhMplo ws be aMdlw on to And dry d your Nang priori each mad. 4.OIMr Finesse Chsrgom. Omar Maxi dhrgs arc trannew on Tess (kmtm*V fu ran sdvence M, bokra bareler fee, minknun I oharpo, purchase alheCld in, aeeaad open lop fee and impress account foe) wet be Included in gar 6narce dmrp and applied In soc alarm want ft terra of your CusbrnorApemrd or any special oar war in" Imo radar in you. kckdnp eons d fuse lase n"harry drops mry cause fa'ANNUAL PERCENTAW RATE Applied This Period' b mood ta'CaraAadkq APR' for the lopad to whin fe in eve bared. 5. Assoom"aw of Lale, OvwM* and Reamed Chock Fast You account all be lassoed no mre tan ao of to ale Read tore rid occur during any bl ing period. 6. Craft alliances. If your =as see i dicies a c nick btisnce, you can abler egad a reend or love fen dads balance applied to Jules sadenslore; of, - ' 17. Your AawYM. a manerel* In appears on ten mom d fors st"nio you law 30 eays eon the dare fors 3WWm d urn coded to you to o role pgkp to Teo or to have such fee lie " to you It you areal your socounL Dung this parfod, you may opaase to we you account WNOA tun" to pry to nenEarattlp fot To renhal your account you must nasty us In wrlaq at the address for ehgn " /down on tts trait of eats sraMrnrd and pay your" Now Balance" in fd (exclui p fhs nambanb4 In) prig b to will of to M day period. S. RYou Colo Your Account You an resod to doom your ocmud by rodyng us in allow You must return d cards and accord aeaas each b lo. CanhoN at pmumplrsd big arwrpmas and aW uafp your account If you do no arost p eoudlorked big artanpmants,"vA tcna" receipt d a chaps you autaNAtln b reopen youramount Addflbhely, your aeewurd war rot be closed a dl you pay all amounts you owe m YcArdng: any fassactlae you haw sulhalasd. fieroe I g.., pall due Saes, areradt less, returned choolc last cash advance fall and any other lass aseleead lo your account. You a responsible for ![mess arrwnta ehheter a" appear on your account a on tine you request b dole to account or tlay ea Incurred submuend b your request b doss fa aoaut. This may resud in degas apparkp on you sciua ow you haw requesu l In soomt to be dosed or go nooporip of your scout t t hle already bem dosed For oasrpe, f you aumorbad a purchase sun a treadmill and rase raceiva Rot '.' run, M no mere Muss your accost has been closed, you sccccunt arlibe reopsretl, nut rmud d tla Burgs sa be added to your account. and you VA to responsible for pay- mrmL t mare Is a nhrliareab be for your accent the are wg cddiura b be ahanpad, villad ON by low, und to =Db rd balance has been paid n fa lo defiled above. 9. Us" Your Aaaafa. Yam card or aesdsR amot be used In cdaretlldh weh any LAIN genihnD tmesdyibro. 'BILLING RIGHTS SUMMARY (In Clone OfF.noro Or Gueshom AbodYar BM) If you mYdd your be Is works, or s you nood nude IdomWion about a tranaWn an your bg, vale us on a separMe shad M the address for khgnYla shown on ft find of Ilk rtlemerd as coon n PON". war marl hoar slim you no der fun So days am we sed you the hen bill on wild ms wof or problem appeared. You den of our Cusborn r Rslaaons ember, but doing so will not preeve your rights. In yaw INe, 9" us go ofwwlog kdamMlon: your name and account numbar. to dollar amount of the sapech d rror, a drofabn of No aver and an spasstln, r potable, of why you beleve mare le an arror, or It you led hoe Man nation, aria m in gelefon whoa we are invWpalbp 1L bo you are all WOW to pay the parts of your bar #0 era nol in queelom Whle as kvssgak your queebon, was cannot report you as dNnquem or take any add b merit the arnoud you gastbn. ^SpeeW Rule For Credit Card Purchases t you Ism a problem wen to gldy or properly or arvi es scat you purchased wah a credit card will you how tad In good ball to canned the pro, will ft MandrenL you may here to righi not b pry to ronrakakg ¦nront due on the properly or services. You [eve this I , , Itch ody when to prdaM price was sere thin $50.DD and the purchase was made In your home role or so" 100 alas Of Your neip address. Of we own or opa. to wetland. or twe neled you the saerlho~ for to properly, a smible. MI pudam are cow I nepsri I or Ballot or oxs? am Of prdup.) Pbaas masnea b sign d oaraspontlarae. tDoes no a" b rmarol card accounts 'Does not apply ID business crodft code capital One ngpaa khforrno b primacy prolerJbn: sea our weblike M ww.apiWae.cpn Caplial Oro is pa rored sarvia mark of ceplW One Fl " ariphmts reserved. 02DD1 Capitol Ore. 594955 Important No**: 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 s 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. Make A Payment Today! You are eligible to make a FREE check-by-phone payment You may be able to avoid late payment fees and increased finance charges by posting a payment to your account immediately. Please call Capital One* at 1-800-955-6600. We strongly urge you to contact us immediately to make payment arrangements. It is important to prevent further damage to your credit bureau report and avoid permanent restriction of your account! Your credit directly affects your ability to buy a new car, obtain employment, receive a loan or buy a home. Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved. ® 2000 Capital One ?a ?Cw Account Previous Balance $1,117.11 Payments Credits and Adjustments 1.00 Transactions 158.05 Finance Charges 124.40 New Balance 11,199.56 Minimum Amount Due 1999.56 Payment Due Date May 03, 2001 Total Credit Line 1200 Total Available Credit 1.00 Credit Line for Cash 1200 Available Credit for Cash 1.00 Atyasrrxty. To mn Cmtomer R"- a m repent a 1«t or sedan -a- 1-NO-262-1493 Send Pgmain te, Send inquiries tm Arm: Remithom Pmmsing C.p.nl One Swims Capitd One Swim os 85147 P.b. B P.O. Bar 85015 Rlrhmosd,VA23276 Rkhmond,VA23285-5015 486755 VISA ACCOUNT 4121-7414-5984-40S1 MAR 04 - APR 03, 2001 Page 1 of 1 Payments, Credits and Adjustments Trion DATE 1 05 MAR PAST DUE FEE 125.00 2 oS MAR OVERLIMIT FEE 25.00 3 o3 APR PAYMENT PROTECTION 1-888-527-6904 8.05 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed to your Capital One credit and based oa your month-ending account balance- If you have any questions, please all the customer service number listed above in the transactions section of your statement "Important Notice" Yom, account tams have been adjusted as detailed in the Ch2W in Terms insert that you received with your January 2001 baling statement All other terms and conditions remain in fill! force and effect Fiance Charges P4.nrarer sesideforinepwaatixferination, 2t.I.s„r? t& wa P .?rJb : r1s G?• PURCHASES $1,177.24 .06WKP 24.40% 824.40 CASH 8.00 .06685%P 24.40% 8.00 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. CapfM10W 0000000 0 4121741459844051 00 1199560050000999567 New Balance 11.19956 Minimum Amount Due 199956 Payment Due Date May 03, 2001 Total enclosed S Plrea p.i,it edit, rMge, kk. iuuybkr -h&A irk 24.40% Street Apc 0 Gar Soar ZIP Home Pb.. oAhemsn Prone C Capital One Bank REBECCA J R N FRONT T P.O. Box 85147 !! Richmond, VA 23276 m LEMOYNE PA 17043-1327 Plt.re trite yo .,went rsumkr oR yoiv Jxcp r inoaey order made",skk to Qapstal Orgy Bank and mail in the -1wed mwh2pe. I- 8 O 0 O N Period. Ym we law i =1= of os a aw uwabw, r,esv pudaoeo and raw stlrr it yr fwY your taW 'lint RWr,e•, M rxa whh dha btpertsrt Nwka for peymats -ow, iMw for k m W crarited the Yerr next Natarnant ate. TMro In prod .rfod co hoer a r inpfero. addition drro no pad w Pffli riod tnrwalon if yo ou a rot wy sir 1090 'Nov t FMwua CJpp. TraemOble %Md, am not to ¦ ants did am a.--it knros crew 1) bNlp; cod tea P% sr 'lint Bainoe' lresn air proyias you"unpaid bMrKS aN ri urpMd belaro h pNd M lea.r I = Rees coat amro IIe YountsYVBaleen Moaned Yyr atlF owe oared co W the from e atom you PrnY tied of your 0Reaed by the new stathes daeYrp data, bit did not do r for core peaviou medR 1Mpsid aharhoa earth an aded m do ?gCaW asprhant of you Asap. t.. $ankese Fbww?tl{awcrtp. Fa each Waq psdd tat limma, t W *RWr4NCE C rmpEhd.f 00.600 wN bb. itep?o .& if tat padodc rnelal b br then 70bo. writ irN t+hatraa that mtant soma the ao.60 nNdimin .nit cow dfferennoe pea W hued d. T m cowRMhdbn rpnsd ofQhy".11. W. i - da right ht t to t to not pudsw br .1 S Shh p e?alaeaew any or N rhd doge fa any ¢wn 2. Avwye9 DN'/ ea "" 1YhekrYy New Arahrpl. a. Rrhwhra "I's i eelaLrd by onddplyNhp the dNy lmlmaw? of by cow ll ••0 . t o land HKA of Mail seam ld, to As t the ant of each da a prowbndy disclosed sir is pMOd, pea apply py to cosy pedodk ON for imolt aepnwa of Ydw deduct m cow dMy Wrhd R aedh of #0 pedial, we add =1= to o d MYf? edaYUastlIY^D enlw at W your b?dem• maufts from :01, "P-' ar= roue wr d a nit rirrys fa 1wu .doss. To sat do dNy baland for eacheapn." of vat Wilt, we take sir eetzsarp balms fa eeeh ..peMa and sold maryy rent tmrdiop and days balase airy ppapnipftfiuthe. saprwd. ==_= frtwroecert. previara mY palm is ;L:. t towed as of that ay 00 aro efxead to Rat r. TMa sews r 1=. dpca for Mae, aepnwe or you aeim if yw cos New Bsiesa clown m yon p"mmZ ammom it M la If pun pat asirhr wwa zew a • erect amoud), new fropeadervddch poll r phr dad to do o ai yeeal pwdeae *6 Russ ero rot a t dory bshuheaa. W. WaMe sir awns dNY bsh.,n. by atldfq N the duty balnrtas mddrr eve d balance eve sun by tine tnbst of , awns may be . and tat mamma of Wlir,p R eed, ==Y, id Ir airs m roh ei?nMyws ohs. IN the de N appi weanhere awA" r y pat m'coaalanroe Mae wrbrraa any un.. irwnoe tdrrw krAndad M the balwcs TMa cows v air dWV beard of each of am mallamm.) per yr dN^S PedadNand d:M by a?w total weber a drys M cow =P . TMs ¢vr w sir i idly Wlwhoa .elprhrn. 3. Areeal R. IAletl. s. The teen 'Annual PWCWA a Roe' emy appear as APR' on ft fiat of tk% A tsmant. b. If the coda P pdmwl, L (3-mo. USfm) , C (COMIC@" of DaposO. a S IBanineard Pdara) apwaw on the trait of coda starpwd mud ro the padode msW. cos ddodc rata will ?m?wdrp ANMk4L PBI WAG RATES may wry quaneily per firm =r I a daeww Writ w cos aatad khdpe, r tM lt/N' Shea .lanai, plus th. meryM pwlsaid lobed to you. Thar a.R.sas wa W w en d,a dent ay a yar bbar?p t mA o JinrtyIt, our A% arrdnp a If the axe D a'flowl. F It mo. = or a (3.-. UUM Rspntad MarsirpandiY) a?aw dbde =des Irerp of yap tW dode wma RRarrtarA , w ant m and dna?ahyq ANNUAL PERCENfA(1E RATE may mdndYy wit Massa or aeemaa Dad d me pen vary Melds, n tomay V M TM W.d aasw Jasrrw4 plus cow awrskh pmviohwly dbdapd to you. Thra danpas ,A b. ellscfiwe m cow Am d. a Yout w 4. Ammimma t N Lana, owns" ant RaestraA Faymst For. Your aecatt we be .weed ro wow than tae of core fee toad ham tm scour duke any boars pefod. firwir the bms of yea c=r statement, we roaane Uw d¢nt w will" or na ro aaaae any few whilou plot rotHesien m wlnrut Wsivins ?ur d¢s to asaoa the same a similar at a bw sew. 5. Yw Aerut. If a membership fee days =-=: = You weed pew 30 ap Ratamnrt pea to you to avoid =:== hew such tee credwd to you M you . Dulnt site Paid. You nsy meteors m ter Your aeeaaft wlthwd h m .y me erethershl4 tai. To cared You arsotat, You tt 0 edfy us by aa6np our Qdrmsr Ralasas D.wmed eM Dwaypyapa Naw Salahd• M 1N Ua?nrdnp the a N You pew Y?wr mi, rat do wq a gym dam, yyoana aecourt by o::7. Qmoma Rdalahe Uewrmran. Yw atua destroy tau crsdl emit eel axon soar d,acke, o?* If prosahead atop. ad tar uWhgt4ygpr aeoorst. N you a not caned 61 of a data yeurald m nypyax aaaml. Adddauay, you fledbwt wN rot 0a coos' wN you.Y N arnarrds You oats u MdWrhQ stW trwraeaar yp hew awWdze4 lkrroe akarya, pea cow fee, owdwh fee, mumd wymed ter, doh aMroe fen ad wry osrr 1st sward to your account. You ant rrparrlW or tires arouse wdrtto d e sy0s ramant a sh. aron? sb e4rneim to pu wee. m cow tat aeduu. TIW maY weds M c,amr sowers m your account after emu pew ww N You srN,oad • pudsw hem a merchant and wed. core trreectlr irom cow mandam sear your account Ar been dosed. =1 =, ail be wowrrd, the s mwat of 1Mdha rrtte??m your aeeent, adyeu w?d?R W fee wr•••t- n sans u s matnsashsp tee for yow acaaK. ant vie wdl catiae to be dardM, ulthe sxra t papMed by pew, arW ea .rX:art 6elpd Ns bean aid M fit p eskad sbwrs. 7. tlabr6 Yar ArostYax pat a aeeoud cwahot W tact M eomanid wkh my Memst gerbenp Lwllrtip. 6. NOW. Nam faadra is PJhaN oewasisn. Wlhan you provide a check as pea•ent, yd shrlndza r sheer to use Infomadd from your trek m sake a one-tMa delve I fund trowM from you bank accaa or to prodr IM wYmem as a deck tratweceon. Wlan sat Wa inlomaem bad your dark m make an olectmrdc limit transfer, fads may be wtdhaawn ran Your bark aooant w and r Z=-Wt w Yekrr , she yon d,eelt rack from a. Inadludic. BILLM RIGHTS SUMMARY IM Cap Of Ermfa Or Ouedms About Your Big) n you dbhk your M i wfaq, a if you rod erns kdoaetlar m a trarssedon or ti, wdu m u on s sopawta ahem r aen m ponafe .tthe stow for M is drawn an the fait of this Ratrrwt We mat hear tmm You ro laver rim so days stow we ems you the coma lea wt wMdr the shoe a prablwn apppmd. You - call our Customer Rdatio s number, but tort r .a pea rot yymaw you d¢hw. M y I.t[m, ¢w u tlr id khtorrrhadco: yen rep ad aeead rean6ar, the dole, fer andln d lhe .aryecd arr. a dpalpion of tlr artor H you t d amts r# hawy you bafahla dyne b and an of an char; or N you pet mash oon, a dremdpWny R to hom you od tars about. . o u l You a not hew wv ea amount in quodon ail t w wkiba we peY ay we am MvwsMRMq it. ku You am so asl absppeeltpd the pep a your aF ttsrc m rot M gieatfoh. Wfem pea Mwrpaw your ghsRion, pea crx,a ?y? a eke arhy.don ro edict cos t.t Spedd Rule For Credit Cam Purc sees If you pew a preNwn wish s,. pWhy R property a rndpe. tat ye Puei,r.d Yddh a erect cord ad yw hew tdtl M 0.0 MIh m demo sr prohlen whh the aroused, you try hew the nipln ist the drama cow on to Dm.dY a aarviaa. You ou hew Anil tHa promood- orYy steam the puWpw aloe pep more thm $60.00 end the pudur wM mesh M yes here Raw or wlssn 100 mkt a you Rarhp addwr. In ere own or opetm cos merdrm, er if ems maeetl yco cow dwrwnos ter tl,e prop.my a sarwicas, all purchwas ism oeved wpardar d amass a lodtierh of purdww ) Pleat renenWr w site N correepor,dsrhco. t Doh not aptly to vonmanar rl. cmdW Card accornra t Does no AA* w bwtwse ran-sett card accounts Copksh Op stppop Mteenalien pdvwy prutectim as our is a royaped peaks mark of Gpual 2003 ?sh Capowtbn. A71 rotas ervd. s L :_R: m Caved Oro 01I 01 LOLBAK b. eta Z of Nypwm kom at to'awane Ram Awiwf To, pea 466755 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. un • 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. ? CW VISA ACCOUNT 4121-7414-5984-4051 Account Precious Balance $1,199.56 Payments, Credits and Adjustments 5500.00 Transactions 555.17 Finance Charges $17.56 New Balance $772.29 Minimum Amount Due $572.29 Payment Due Date June 02, 2001 Total Credit Liao $200 Total Available Credit S.00 Credit Line for Cash $200 Available Credit for Cash $.00 At yaarrserttin To oLL Cunaaa RAW- or to report aloft or eedem and 1-800.262,1493 Seed payments to: Send inquiries to: Attn: Rematioa Processing Capital One Service Capital One Service P.O. Bun 85147 P.O. Bun B50t5 Richmond, VA 23276 Rkh.-d, VA 21285-5015 46289S APR 04 - MAY 03, 2001 Page 1 of 1 Payments, Crefirts and Adjustments 1 11 APR PAYMENT RECEIVED - THANK YOU $500.00- Transactions DATE 2 04 APR PAST DUE FEE $25.00 3 04 APR OVERLIMIT FEE 25.00 4 03 MAY PAYMENT PROTECTION 1-888-527-6904 5.17 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be wmeniendy billed to your Capital One credit cud based on your mouth-ending account balance. If you have any questions, please all the customer service number listed above in the transactions section of your statement. Finance Charges Pkam ra rem saende for:mfartmtt in(aatar is a as 1 ? g 1=11 ?1 1 r Sytir GE PURCHASES 887558 .06685%P 24.40% 81756 CASH 8.00 .06W%P 24.40% 6.00 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. :afwaowl 0000000 0 4121741459844051 00 0772290500000572293 New Balance $77219 Minimum Amount Due $57229 Payment Due Date June 02, 2001 Total enclosed S Hanp-a AM-6..g.,6bu, swabs-Ah km,k 24.40% cry Sore ZIP Home Pham Altereao Phone a? Capital One Bank REBECCA J CLAIR i P.O. Box 85147 18 N FRONT ST m LEMOYNE PA 17043-1327 Richmond, VA 23276 IteLlttlltttltlltnnLlLtILtJlntdLntllnndlnnelltttlltttl Irttlll.r.IIItrroil.lulluu16n16ulnlltnt6ulllulrrtllel Please trite yotnaavant member om ymw check r money order neektayable to Capital One Eamk and mail in the emclwed en uelape r ram taaal? sa_ 8 0 O ?S e p N t a. @a.e Perio . You w11 hove i rneeam preCa peFiOd m 2s aye wlmow Mace airrps a now purduar, new d.Maa trwsbw, new agerr puchws rd new cairn derga. n VYllh the YBP01mr[ -NM Nmin?or Pe la balm, and In dine for it to loo enMad by vow near statement ant pspaddom, Thant Is no od on cash M 1nnMe, in a Stlo, then in 4rars period m wry tranhactbnh if you do not pay tire mfr New brace.' e. Aaarriq Fbee. Ohre. TrarraWOn vriridm an rat fr?ae am m?de°?v.:a Yon?«w21?rRm dam,. hq del ) transaction arfa CalaMar day m fh aararit tl1Yap parlod. Addtlanaly, if Bd not pay the 'Now 8aiece' hours Fie preNaa acm.10 To youf u Wlid fnW a uY ft Last" balance It pail: fill. TIYa manta out you atA oWr arfwco durfAb U ,if Yam Pay the andre New Baeo int m do front of by na mew ep mosuasomm no. Unpaid aren?n erh Cars me addom r 4 aepnem m par Acowm. tc. PANAahe lMhea=q For each W1. P *ad dm maul RWN 1afiE of W WIN h?Mhpeeed. If to ypr ter firnhan ohm from an lion of pododib rate(s) IsNan thn 60, we li nOnan tht afwlt tram to $0.50 so No mad are difference VWN be u11W r seta pllldlaa agnN[ m octant. td. Tarpwry Ralnslipr in Feefa ?aaja. Wa feaerve see Fight to nnoottdama a any or N sna oe Wry- IN am plven 2. A.= DNy Barr IYhi -- Nan P ralh-1. a. Rimmos dupe N rnlalaW by nctlplfefp the dairy yout __ adwaa?Punlraa, -Pert trrrtr, and (sD L pudral by ma teromperadrp daisy p.fbdie rwNsl out IwYb?a the bMV yprbd, we to A aWY the dairy periodic tau br eWf th Nbncs Of eadl apMrrt of YOU, aCiaas to -spud. Thn at Fire and of ar psriotl, vw add p see ae.hdu of Finn calWlalaaarr to arrive fa psriedie Mere dep. shah eeprrem. W. ode f P see r.aulta fine hoot ee(pwrn ro erniw dic OF Fin cool Oario Meco daarpa far hoots. Te pet see tlsNy bola, Ax aaeA apdaaaas. as Cass to ospmrfp ns ? , bid WxI so md arrY for ,9= -fry naves transactions ra Aye lor,aut oeprw. YVa tlea wrORrad ant tfP1="sepX"Tpaneaa d art day am an 4-o" to sew sooner" Tito ghee ar aepame daay Drparndca or such New oraro Oh w fm owv6t. atatwnaa 1n tud tor" if you nr.v brines -a :mo « ¦ credit afwal, row tranracdre wlidh post to yam Pudrr or special P&O. agmem an Fit added to We dally brans. We calculate ma average dOV balance by adding N du dally raft, thw may be . Firm am see antaa of Pe_riodc mu. To dnNn tho awrapo daily balance for the oaBrrS wwrM by foie smtanrl coo up e bolance m am .epmaw OM:6 day, eatthany new Imm- to a*.h M0 and oubtrea arty psymarr or credits. (n see fnlda N appoan «1 the fi«Ir m MN awemsr rear to '8alern Hoe Appped To.' wan aNo abvaet cry rahDald uncap drfpe 6ckrded in the balance m sa is ao7??anorw,tl TNs = yam u the dV Wrce m each for Fie 61ihp .0 tl% each = by 0. ttoul wanb.r m dap n as Wrap p%ed. TWO pea to the hump= daily beWCa m pca eapnrn. 3. Awaol aahtag. Rwr IAfMS6 a. The wan 'Aroarl r'erCard-p• Ran' rrY appear r 'APR' m ar Irari m dig atatrllald. I.. 11 Fin. coda P PM*, L (2- UBORI, C (C.011-to of Depood. or S (BsNoOf Price) appears on the firm of this watered and ro Fir pofmdie mMal, th pslbTdic rata and nbmadaNra ANMIAL PBiCDfrAOE RAES rhY vary gwrfsdY may. cnra «denaas based on to farted Indiana, a food in The WN Sbear Journal PAS see 91-ryn pnNarly 4adoaed m you. Th ti th an mwape WIN be .footle. a fie Mat dam m yam rt period covered by you PsdoNc wosesn ardrq m«ds Janrry, AM, Julyy??an__dOa0 13 c. If de Deep ic (Prirnel, F (t -rra. f.apRl « 0 CJcro. UBOR apdad to aeNY) n m the had m yam Wlalrhard From ro th padodr MaW. Ih pMo6b race end ANNUAL PHiCB 1. RATES may daewaa bard m see wry = maY rnw. a 'Vol 3 see ma ==-=Y ro you dehpr col be atNof your WMp period h moM. 4. Aarr..* of I" OvvaMet and Rasanad PaMa-ra Fws. Year agars ell be Manned no non del two m th tea load Ian that m= drip any blip Pearce Undst Ms Units or pun artemsr agmrnam, coo narw the right ro waive a not r asaaom any taom widen netlMelion m you wlUed vgivfnp ou dye ro rra eeme or similar jaw in a low tbs. 5.1Rrewbq Yaw Aoaud. It • madrbar-IND %a appears m are front of Fida faanmard, you h" 30 days from see data ado fa =Fni Wa neNad m you to Yevaid paybp tlme tan. « U five .Cart fie nedwd ro to you if ou crmeel your Or to Dump ai. pedal, yw may mminte to tug your scows vvklnul hvkp U P-V -h 61111 ratl b byy ecdV Fair CUmmoor Raiifios m"M ?ln and pay ypu'New Bdarca' b 1N ==-,, Np rat Pd« U th eM w Pedad- 8. If you Or. Y Zwr A.ewt =,=to doh accoLn coanp ar raam. YM mow d.wroy yea credit nrWel and -ecouri aomw deco, eartanl N proauaelaed Wama, -red ors. ualnp yaw orchard n Ycu do ra Cacal pr.rahof:d biNkp anarmpwnra, r col eorridar r.Caipt ¦ drrpa your aulrrisadoa ro your uradi youYm WY as imaam you ou to any oars , You Iwo walhalze4 arfrca daargr, cow sew team owriea ran, ranahw irphem arr. ON adwnan 1.r arc airy War 1oa aaoeosd ro you anxoua. You sew r.aparmN ter thr arohaaa vrimstler mq, apprr m yam aCCOUa w the fume yw npan to don da accou « flay in kmorrad arlsaghea to dames a atma app m don Fie racoon TNa may ern F dra aMho m van accoua ahfa you how your accanl if It has ainody boon d mal. F« example, It you alraerlad a purchase from a merchant and vie recaf" de tral9aedal from ar =aft « your -ecoea Ira boa do.ad, Yarn abe a and a you u vrl ra.Pr+d, w rip t dirge arm be added ro yamCR 1. v be III IN Payment. of V b a In for Ye1a a for v mw acsoud, 00 she too col Cardkue to be drudad, -Z sxlam damYaad by law, wd1 the aecohdp baiarhre firs pewh paW in full as doMnd abara. 7. U*e Yaw Aeawas.Yao mid or account coma be uom In coneecam Wert ray Watman gambling Ilareecdons. 8. Nfabe Atwul leah-rmis Orelr Carrardon. Whn you Prov Information deck r WYnhn.rnt, you atMori:e an adar to t ore- ue bfon 101 tan yap deck mbail meteacoaa• dOF « t abetl«ie A 111nd tmrur lrrn you to pumas qa ppdaynh-ht a • deck owuacdwa. Who we fire bhbanatlm fiats your deck to mass an ahetraNe Add traralar, fuaY may be wiadrown from your bads accoud a nom as Its same day wan most" pun srdd reed" pm drbk back from SIWNO RKIHTS SUMMARY IM Case Of Enms Or Questions Abase Yam BM) :r Uink You WI N arrang, or n You red mom, hatlerh -.v Cd_ a.« bill, wait. an to on a aapalate shoo as sort as poomNSe at ft addrsa for hear 110111 Wan h Orr Fifes wl pt"aye aommentM am must Met bill an Mich the armor or prrlrrh apparoa You Can Call wa CUNDO r RNatlan number, but doing so col nor groove pu dyaa. In yea biter, pi" u th khbwrq inhmtatlwe ywr rrma rd acwux Rnhbar, rh doWr amaaa m air a m t.tl a«, • drafpdorm o1 Fie error and an eaplaredm, if peaaWe, mve1fy yw balsve sea b a amp; or If you row more ink. adorn, • desedpim m 1h kam ya an raharrfe sbaa. You do rot h" U P-Y awry aaarm ti 9rraalierm voila vie sew imnodgpdrn it, but VW am so aapra ucos kavomdgns pay see gam m Yam yam EIS out aR na In greaorL WNb glfrtlorh, vie Cana = Y.mma d-famPrrd or ass any ¦Non to colas t the f,t Special Fare For Crock Card Pwdtsar N you h" a problem vim to qm ky of property, or aMor Uhat Neu platlnatl vet a enM Card and you h" tried in good raitlh r coma cis PTT- elm the mrdum, you may how me rfya ma 1o pay Fie rfarlnlnp arrant da a oho prepay a a.IVbtl. Y wanou hw Fiis praadi clayy vrssn ih Dhrrctae Dace e era 860.00 and lh pudwa .lair Inada b yap home rim of ,viltin 100 doom of par dump sdaror, m -1~0' opra a n wan mailed you than dvardoa momhorn, prWOrty ar arvicw, N purchsa R co Bred rapn'diaa m amoh-n «lecetiorn of pore...) Rear renhamber w rpm N con.aperhdarue. t Fir Fir yp?y n omnxrm. ran- Odt cud acmraaa f Dbaa nor apply to hwinsa noncr-da cad acco W& OM arppan. Infoeoadun pdvaq protection: are our w W W W. tare One Isa NY r%NK d arviu mark of CoWal lradai CarPm Dom N d" reserved. 0 2003 One 01LOLBAK b. N 1h cede 2 « N appeas a th from of IN..tnemerri rose U 'Balaae Rib Anassd To,' we nWtldv th 4a2B9S 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 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. Ones VISA ACCOUNT 4121-7414-5984-4051 • 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. Capitalowl Account Previous Balance $772.29 Payments, Cretins and Adjustments 160.00 Transactions 130.09 Finance Charges 115.90 New Balance 175828 Minimum Amount Due 1558.28 Payment Doe Date July 03, 2001 Total Credit Line $200 Total Available Credit 1.00 Credit Line for Cash 1200 Available Credit for Cash 1.00 At yaarrerviee To an Customer Rdafi- or w sport a Ila ..W- and: 1-800-262-1493 geld paymenu to: Sad ingaide to: Attn: Ramitunet Proaasind Capcd Oat Savim Capial one SwAm P.O. Bra 85147 P.O. Bor 85015 Richmond, VA 23276 Richmond, VA 23285-5015 494725 u MAY W - JUN 03, 2001 Page 1 of 1 Payments, Credits and Adjustments 1 28 MAY PAYMENT RECEIVED - THANK YOU 160.00- Transactions DATE 2 03 JUN OVERLIMIT FEE 125.00 3 03 JUN PAYMENT PROTECTION 1-888-527-6904 5.09 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed to your Capital One credit card based on your month-ending account balances. If you have any questions, please call the customer service number listed above in the transactions section of your statement Finance Charges Pleareser reavrmndi ja iwtwtaw iicefwm ttwx - a 't- d =; m Cf?,?RGE PURCHASES 9767.31 .0660%P 24.40% $15.90 CASH $.00 .06685%P 24.40% $.00 ANNUAL PERCENTAGE RATE applied this period ? PLEASE RETURN PORTION BELOW WITH PAYMENT. "4M"®Vwl 0000000 0 4121741459844051 03 0758280060000558283 New Balance 1758.28 Minimum Amount Due 155828 Payment Due Date July 03, 2001 Total endosed f X-print.Jd re daetda kbno mind bier a bbai mL 24.40% Stec Apt.+ Gw S- ZIP Al.- Plnae Capital One Bank i REBECCA R JCLAIR 18 N F ST P.O. Box 85147 Richmond, VA 23276 LEMOYNE PA 17043-1327 ?tt?t?tt??rnlr?lut?t??n??ut??tt??url?utl?nr?lut??ut? ° lut???ml??un?u?u??sun??n?lut?t??ur?nt???u?nr??r? Pleas w teyotr aaoant number on your dxrf or money older made Payable to Capital Ors Bani and mail in the eadkued emodope r 0 O O N t a. arses Period. You rA Mw i mktnwa sate period d 26 days vAd u erlwles on row purdwa, new balance ammonia, now pudeaa ant now ofr detpa H you paY ywr tom 'lees BWres', in aerodsrln roan rM YePOar[ Maece for paytneme 6alow. Kid In time for It to be tatldrd Fry yam rea atnarort drip data. Time Is ro Wace Wdod on cash advrroa and apedN frarowra In atlddm, tram N no (?ratx Period on rry trrreedorr if you do not pay the tear New Odatw.' b. Mstip f4rta Oran. Trenaactloro vdtdr am rr tr?msmdm a ar?vrr.cdamma Idhaiba d?r.?ihl l transaction Is proowM m Iaur Aocmn or 3) from Ule err ealydar day o1 ale atrom bir9 p slid AdMomay. H rid roe qy ale 'Noes BdarlG tram tfe praMae yea rp?Yd bsNrre Intl tla upaid btlaros ie paid in 1u11. THa nmrw tbt yes m1r' aril awe arwws cMpa, syan it Yes pay me endra Wes aalar?w irrdntad an 1 imams of t c. eMrpss not do so 1. do ?p.4- norm UnpMd am addsa m dw appanpN egem d i !uxaua. c. kaairmwl Fheem f,7r?aa. Far each 6Yne paned tbt Psrfode multi b laa tRa lOr?60,mwe sal not m amen assn the 10.60 mimxm sari iM dtktmceMMa m bocci 10 ram pwata. 03 ct yes ace air td. Trrprry Bedarle N Ferw arse. we wane tlm daht m not oaaam wry m aN erraruee drpa for army 9K- ram. To obtain the .-go daey bsiim ar for it. idod larwred by Uta amwnam, w tab the p bdarw of aWt da ? my, odpdaarrynew wae?gtwe m er ?aearq? tmnt o Im mch N n f mu a H Its rods r rom to "Balance farca m, A rr Ap is Am Appeal To," ym also rw awes erf aow ittdlraed .d h the balace aptam hr lte mans M and 6my nurbw r days h uw bahp pedod.viT- aveops daav balmm a each aeprrws. a. Tls um 'Award Pwcraaq Rna' may appar a APR' on fte ham of two 1114-110.4.1, b. If the ode P Ferrel. L (3i UBORI. C (Camfiem of Deposal. or S (BSrrla:ard Ptkns) ppnm on the tttn of tits amonam next m the pedodc ratalq, tM osdode roam rd oppuratpyw a?ndq ANaIAI P91CHfrAO RATES ro Ole mryimtl Yr6na, n?bud? ? WM' Sbsof? Jourm; pks tlr margin praviady dacboresmd m you Than dgdod s Visa M alNetla an the day of your ,1Pdy aad"oammreem °'dnp °h"Ntlr° =od c =4y c. N rile code D Penal, F 11 yno. UBDRI r 0 f3+no. UBOR Repdcad rbdty) a?eara toZttr fret of yam steams rfed m tM padode - . Perbde rams and conapowi ft ANNUAL PE CENTAOE RATES may vary mantty andmey kwtseae or dsaeae based on the Plus sand kldtw, a fauna h r Was Mr"" tlra morn preNa=:;w aoasd .1 rpss wa ba affective day of your baby period each mamk 4. Araserd d lam, Oyerb t d Raknrtl Pepalrf Fem. Ywr acowsx wY be seemed ro mac man two of tits fin Seed Mm Set ex r du*V ally Irbkrp pefNd. Urals, lls mmm of your tawataner aareawm, w temrm the depot m win a rest to asasm any fsa caiman rretleeatfen m valeu vrMNrp dyf m aims a adios arias n a lams tram. 8. Yam Aaaaarn. H a mmenrip fee eppea.n on tlw from of mN amar = yes tiro 30 days ham the fine title ratans Irraesd to you to aydd Myep a.n hm r to lore writ M eredtad m you if yes oral yam atzaua. Duke 1hk period, yes may rordrsw m lee Ydur aecsa trlHrp hn" m pay ft m by tin. To comical your acTdlre, yes rout notify N u us by raNro our Gyrroarsr Rdatlars Degmrom and pay yam Wes Balarw' b hd Nxduap the rnwraamp faa) Pria m Br ad a tM tHrty-WY P? 8. H rw time Yaur Aeaeed. Yw ? reeusr m doa yy'aalar scewn by eaaxp ar Crrerarurr Remtiarr Oapedmrd. Yw miss dmlroy Yalu seat ndW and atnmrrm acaa ttlecka, marital as pwumrNsd bllhn0, and cwss urnQ?Yar earorrd. H yea do set tarrcel preaWeritad um0 arrrtprrems, w.uAR oorridar radipt of a damp You rtaedtodon to repan Maur accow. Atgdauhy, you so ales tW roe 6a dosed =- .Pay aoe amarre yesors u Irdudrla any here altled:ed, frrrrce cMraa, parr du hw, overMttrr1' o faas,ar.nomad pynent hw, eM advarw faa and hw arsead m yam aerosol. Yw mtaparee for mac amass vdefrr loseacmm or afar em nkror.ntims d aub?ipuomemat m to to close your meant to dam the aeewm. This may smile in if you auriemad awpumlwa fits as mnrhr[ and v mcaiw the tmrwetion from the merdwd afo r your octant Ilas been daeed, Wv somas wN b ocparlnd, LM roan d dr dm Vida M added m your octant. ant Yyww WI is reWrrobk br peytnsM. H them Is a manbsrrip fee for Yam access, the fee wA coral" m be caw m the exists in nhmd by kw, urd the attars biap lue berm qid in his as dealMd aboye. 7. tNira Vas Aeawa.a mx ad or emoux carrot be uad kl wrmecfon rrm any `m"" gniharp trrwmas. 8. Nalisa Abwl 6eebards Orak Carrrrdarr. Wtwn your proMds a deck a peymsm, Yw aWedte u affrr to ua irlfornratlerr fiats you desk m mob • anaWre Gimmdc kni trrslar from your brrit bow" or to pwelmomutien hole ywr dlaek m elaeltrtc turd itaro harm may m ydmdraw assn you bwuk acamt a cam aa rile cams my w modes yyoauNr ==.- ramive your duck brat from BIWNG ROM SUMMARY (in Case Of Etta.n Or QueWaa Aboln Yam Bell H yes dark Vmr br k wrap. or If you maid more idonnrion m a trarrac"art a ba, wma to to on a sap im afar a soon as ponWs a go at11 for kugldm s mar, bra the hom of ads stammom. we must har atom Yes ro low that 00 dys afar w am you ma e.nt lea err ydach me blwo appeared. rw can p?lal arvoeQstanr RW=-. arrber, bu canto e0 wY not Ntaniadca?you?narrrk? eccoura?ixanbar, tlmbdoWr arrant a ar rspsned rra, • deatdpdan a fe arts rld m orelarlafon. M paraab, of Yw Dseeve them to m 4= a I1 yes need mos irlosn . a dnedpdm of the hen yea m tafwrra ebou. Yw m ram to toy my if ulupdm ydas w era Inyerl.4:, bu yes am sM QbBlMwem pay ma pans r yam t era -1 kl yuation w Nwtlgte War 9uNm, we canna spoil gall as dWleuem r rob rrY actlarr m cdNn the amarn yes auaton. t,t Special lida For Cm& Card Purchimes If you have a prablas with ds grrdhy of property or aMcea to yes ixadead trim • coat tad rd yes be ided In Ooof talal m oaract the proMrn with the wnirra, you wY rra fe dys tfol m pay ft mmaktn0 arrant aloe m the prpeny a satMCa. Yw rave fts prwecfm ady yNen the padres aka urea mac thin WiNn I rd fm pudua wr node N you horns Nm Dr rritrtrt 00 moo a yam malrp atlraa. M w own a operas tro wldr8, a If w maned yer+ fits dwrtlamrra for the gopsrtY a arvicaa, all purcbsss am rovered regrdea d rnaae r kxadon o gachea.) Plam rrrsmbar to alp M rorwparrdanee. t Dues or apply to rorrmmw inn-asdt cad womam; t Dom nor apply m area, nw;,c alt cam -malts rgperk phaianloanion privacy protection: sn our b a Ldaaly tCorporafon A71 .1%s and mrWm mark of Capital dyds rwned. a 2003 Ot LOLBAK telawnd 6y axtdplWp due fitly a. Flim-- diatp 18 bslrco M aril eesnlerlt of your aeLan k.0.. Wr lovwlm. ptratrm, apsdd nwrwr, and tgdal ptrrdese) by fua trorrepaldMp riser petode rmW fr fw bean ptsviawly dNtlmm to you. At taw wd of each day ale blNp osdod, w apply oe May pwNdic mm for as aapnam of yam aemlas m to baste of inch wprn. Tien n tM end ct to period, w add w tlr realdu d few dap eaiadadwe fo =, r ftan sschdeiagn s d "Notes. =UM IM 81 ras drip for you sown. Ta pyY edarlce hr asdl aavrrwrt W Vise satins, w ub the Gspiwnp wkrwe fr ath wprela and add rraIyy new trrwctbro and artypsrbde frrrwe drga tekJmd on the pr Y days ba(rIm ha fat sapnrlt We men subtract sly Paymrr or cradm Proud a C.": r Gy fat era epotatW to oust atoms. TMs sits u aaprwm door Wlrrn Tr arm aepnem o/ You atsarrx. flovrerer, II yes paW ire tfew Bafarce dew m your Pteviare eutenmm N toll for H Wu row m tam so trarsa..=p= War a at rer urism or apednew d rMOfa fey bWy =ilambyr add?i= M ms tlaey a bdacm :toter and dNdn ae assn by the nunbr of the days ti ton nxtaml?MWp W. To cdcdam Y_ tom da y prb?d9161` artd by fw r WbM fmmis biro period Qr m munMp m%arakdstlon day Nda, 1MOr may far ¦ sepia adaruro bavreen and fro amen of emmi derye ,eardly aeeead b. H fm rode Z r N eppeam m dm fret d ink tatemam red to •Bsknm Raw Applied To,' w imWY the 49472S 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 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 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. Q_WhWCW VISA ACCOUNT 4121-7414-5984-4051 • 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. Ctaptta/ow" Account Previous Balance $75828 Payments, Credits and Adjustments $40.00 Transactions $30.13 Finance Cbarges $14.69 New Balance $763.10 Minimum Amount Due $563.10 Payment Due Date August 03, 2001 Total Credo Line $200 Total Available Credit $.00 Credit Lim for Cash $200 Available Credit for Cash $.00 r yorrrrnvic A e So oB Cus toms Rd iora or w report a lost or oAm orb 1-800-262-1493 Sena pa7rnaru m. Send inquiries w.. Attn: Remittance Proondng Capital One Savioo Capital One Sances P.O. Bo 95147 P.O. R. MIS Riduumd, VA 23276 Rkhmond, VA 23295-5015 58997S n JUN 04 -JUL 03, 2001 Page 1 of 1 Payments, Credits and Adjustments 1 02 JUL PAYMENT RECEIVED - THANK YOU $40.00- Tramiartions DATE 2 03 JUL OVERLIMIT FEE $25.00 3 03 JUL PAYMENT PROTECTION 1-888-527-6904 5.13 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed to your Capital One credit card based on your month-ending account balance. If you have any questions, please call the customer service number listed above in the transactions section of your statement F-manceCharges PYkmr rreauretrdrfirtmpartanttinf wmativir Bdeur.ee l Paolr ? ? .yeplrJae de lrb PURCHASES f76353 .06411%P 23.40% 914.69 CASH 9.00 .06411%P 23.40% 9.00 ANNUAL PERCENTAGE RATE applied this period V PLEASE RETURN PORTION BELOW WITH PAYMENT. CaPhWG Y6a 0000000 0 4121741459844051 03 0763100040000563104 New Balance $763.10 Minitonm Amount Due $563.10 Payment Doe Dam Aug- 03, 2001 Total enclosed f FtroYrpemt.dha o5aq!a k6no miTR_ w Hoof inf. 23.40% Sveer Apt f My 6rue ZIP Home Phone At-- Phone Capital One Bank REBECCA J CLAIR P.O. BOX 85147 18 N FRONT ST Richmond, VA 23276 m LEMOYNE PA 17043-1327 url Pkau wire yore amount numberm yon ebaef or money order made pryabk to Capital One Bank and mail in the m dosed enwdope 1 1. Ilaw re Acrid A Fit-- Orae. Pelfodc rate. To abukh ri swrepe may holonce for the your aaaaa i1 h has Nasedy boon rJOa¦d For am mqe, t a. afar Prided. you vA haw a mki. grace period of 26 day. vrkfeu FAM ChSW m new p milma s, new revv WNW PweMeq and new oUer bMarw 1rerrNre bd bMkhg cevsned by 1Ns statmtwc, ws tab the d? area of each aasnhat sadh my, add any fl¦vr t rot wpnNm arq wt[race am V--" N you anAetNStl ¦ pudwe from a mereh¦nt and we receive the tram¦etlm tram the maedhrd after you account has been visaed Ysur aeuant xW be reopenM, , N you peY ymr tell 'Now Balanpe , In or credits. fit ri cede R ?p¦an m ri hom Oft yes axaan, Yr¦ amount of ri dorQ? wa M acrerdam wlm IDs Impoftam Notice 1w payrrreme below, atrtemam rearm to •Btl¦rce am AppiMd To,' we Moo ' N ell Yyeouu rrgl be raapwrtole for Pay.. rim h a k and it, dote 1. if ro ba tasditM ton your rhnd aaamwn cleans rMe. Those Is no a.- Period on uah edwheea ablmw my naupaid iherhce drnp krAadsd in ri bit- Of eadr esprwa.) Tlls pro u ri goal' Marro 01 Nnll for uM M a mg bd dd mmeetefip Ise tar your sceoam, ri tie wA cert ¦e =,h=, o ri puNed by Nw, Wg are M been WMI h ha u delNNd mow ?s ard aPacla taarterw in adddon, rire N no prarre period m mY trarecrian if you m not pay the toal •New ' r anep eeprra. ltrm. we a re YY aspnat ter ri NMaq Waied and dyi M by total a h ri burp period TN. = ce the ratnubsr of m . 7. lfaiha Yeu AeaNgd.rour card or mccourn cmrot be aced h tenwctlon aMN am kismet sending lll? DN¦res. b. Aaatdq Ffihmea Qrlla. Trerwcrloce rrfldh sre rot raafscl m a 1Race period sw aaseped lhatace dupe 11 . y awraya AMY balance 01 each NW". 3. Iwul F?oedaa¦ Ralea fAP111. tratr¦olut 8. Nettie Abaa EYwwd¢ great Gram-don. When Ya' = ft time of to trearaddon w 2) trail) ri dew the tr The tam 'AraauN Pefcenlaga Me' mar appear as a provide • deck ea Wymat, you auhorize ce darer to ain tfanwWm k Preos-ad m you Arxout a 3) 11om the . APW m ri trait of thb aware rw khbmanlon fitp your duck ro mead • ae-rims ern teNrdar day of ri arnam adding Pa. Ad*don@ey, yYaeuh rid not pay ae 'New BWnce• from the f mlar N b. If the code P F irna), L 13+ UBM, C (Gaaoaro of D¦pulti, or S (8snhe¦rd Pdea) appmre on ri fine or tectrorde find interest, hash Your beak assort Or to prover IM pa n • creek trrraetion. When we d p? ? wahs parlod h fir, lloaea ch. ta¦Yar ro aanr to yywptar ,pail bannce uetN ri raapeid baarace N peed h furl. rib memos men te meperiods rnakl, ri Derbde sari eeoordno AFMIAL PEi1CBlrAO RATES am your deck to make m your M rdc rNe kaonmatidr e fug fraaeler, hahm may ho wMatrswn Irom your b¦Ne owe grwru deryr, own N at i Tlds ,err the you may ry quit IF meY „crease in dewmr hmd = secant m aeon r 1M aNms mY era rte w par at BM m u p 4: on Sb ry d rocelw your cheek Wdc from M= M al tenasm by ri earns sutarNm tleeMg tka, Wd rid yeu 11 d isclosed to you Jwan¦L pkis t rye pt Na of your n aMl ho s m ri am m Th drt g illion. Ww * 1wee ews mat m an for are preNxs mereh. Unpaid an added ro the appY?Ne npmar[ M Yea Atratat. y sw g ee reading baslhg porlod mwnd M Wur pNNdit: = BIWNO RN7NTS SUMMARY FM tc kaaireaa Fetmea QraBa. Fro sacs kgip Period OW kl in them id Jwaury, Aqg. JJ1p? rod? Ouaber. tfa0rq or a (3?nao F (7 yrao de 0 Wdrea) N ri (In Can Of Errors Or OtWkna Abate Your &g) M you dirk your bM Is wrap or N Yw need more nauan yea aeooud k wsugqsaeclt te a fkrnee gong, ¦ na totd RN4NCE C3(AMiE of 1r0.60 vrM ce kaPoaal. I ri . . ro C. , UBOR AWdced faamhly) appmn m aw fiam of your r a ri ri d iod W , hPonrhetisrh on • transaction or br, rob to W an s se ama draw w soon as possible at the addrer for total Malice Wag rrtddmg fiam ri aoOYe¦tlm of your periodic rrtNq N Ins Yawn 10.60. yr rick wbtraet tHt l pe o s e s rne , eatanwm men ro ri Per ¦md ??!?''?^? AMUAL PERCMAAE RATER may z p InFidr alarm an tlr fiord of tN¦ xm m m Ws onus amass loam ri tw.60 nakiman and ri dtNaahce wN be N:M ro riRerWMNm Pudrse I. ¦e FRbnw?- of yearent. accWereserve fie T=t C tap td sno may hemm w tNersre Butl m the wry rem stated Mae, r feud h Td Was Serw.laainf{ qua the morph PteMaN1V as need to you. Those gropes d hex flan you no Nlw tnm BO mdayWa aher era sNd Vou are star bill an adddA me error or OnoNauh apppred Yau can , Wt map w wed not ug ter Qnlmtx RMaaon r . . dons to nx assn any a ad Mince drryr fro i even 'A NMm? Nam the I . mY d yam klgktp psded = qpa your dphla. In you Now, ffiw u de tagowirp u means red edwua nohow, ri ddlx 2. etame Ikrkrdloa Maw lV-1. =W 4. Arian" of Lab, O WWANK ell PAU~ P¦yaaa Fro. rmr, a daeriPdm o1 ri error := p? a. Firm tdtelp N alaYted W mWgykq rte may You aceoue wN be ¦smred no more m n rim of as Nos d thrd ri fi k d nam, If pceaMSw whly? you bMaw arse N q a description of ou need soon khforaruYSrh an emmN betarw of mgt aeprrwt of your ¦eeoaat k•g.. aria artvahp, Pnlleiep, TadN tfarl¦1ef, ad apaiN pn.rha.el by ri oonesprhdrq nNay perlodc ratelsl art rw boon o er a ap W !M pa . IMM here ma occrr r terms of yoe aelaMr apamrm4 We rerM ri drill to a Ww or not to aaeaea any ter mbhaa aior mdfudm to y . ri loose you are nnsarne shoal. You m not are to Wy any amens in question Was ter are hvptlpxkq 14 bu Ya+ previously disclosed ro you. At the all of each my during without vwiNnp our Agree an arer ter rms or aimWr an ON ohkgd to pay the Poll w yar Mg 1M am not - pemd, M OWY ri miry pWOde rem for each the =q m a Nun tkna N7dk M khvuapeu yea O?sesom. aw cemm kin gtrNat t th tl w g l = aegmart you secant ace the dully balarhce of each of 6. Yau Aeawa. N a maMxNp Ise tn ac e repot You sa dMnquad or ta i my ae m aagnaant. Then rt ri teed of ri palod, ttre a d Lip ri re.ba M ifeea ma ealalatlsne arfM W - altlwre m lie tfora o1 aria atatewnL Yait Ira 30 you to mW flan ri relate tree smmaem Was anted to t credited to ou id i h b h h i amrxn you tawdonh. s F dt C d P l s l Wa C i Wriodie anaraoa drrye Nr soda espmsrd. NN rte . realm from each aaglrhat to ardor at the rota period ow suc y av pay hp t e e or o n If you cerhcei your account. a.hg ills Wlod, Vol, may or re ar uc use x.t pac a s fkrnea Uhaape for Yw1r armuas. To pro ri daily Wastes ?? accouff". Wthut ? ri hin ri gamy of Prapeny or 1=== ref Ndh aaVaam air YaR admtm, aw mb ri bsVhaahq N your r mrrsReiauedai,rDe ennhanfM sl b N C d addh a Cred1 Cold slid you ea fe balm os for each wvlaat and Md mr raw traraai peApdc f'rnahea drrp f?IdlmM ea ri proviso ' mea y u y u rhp our u P and peY you Nair B¦I¦nw• h fu 1xmMaMg ri Nw tAed h prod rear ro eared ri proaism whin tone hew ri rlpt east m W Y ri asnakirrp modem ou ret E y'a ba(ace Nr 7Mt rpnad. We then wbtraet d y d , mmbenalp kN pia m a road of ri War+ky pwbd . y ry . you hew the store" due on On property or Wynhar or ewdiu peered as of tan my art ara : Meceted AM G. N you Cases ran AaeaanL You cen regpw to dose cur Ctretanaar wtsear a saaaa D ceMh PrayM.yipn prey wAm hprdhar pks wea more ohm I m t ro tint sepraart. THa pros ce ri aeWaro of Y paid hce ? rr y O yDOepwa hmha ram or irr0.OD rod the pudrea are ar In you ou maNfhp amrea of We am w wim^ 100 mINS of iNtriwa In fed f ro vbu Balantn ¦ccaua txer deed, uh M a8 pteawe l filling. y aParata the nlstdrrhL w N ors maw you ri , N you new Dalanhoe wp zero w • erect rawnl, new and cease telr?p You? aeeoua. N you m tea uraul adwNsananl r the ProPwtY w eaniw. M Dudesea fill pl w spsdal trarwetlar wNda farts m War preatMNe/ OMtq erragwnams, we who corridor am tehered w{andaw of amanl a locstlm of puadrea.) paartler aagaharea am not adNtl to the tlMy 0 it. the d . We drr M ma hi dM b repro yow ar ¦rxasr wA not ce o¦ed y =!I4=- Pear rmhembsr to ipn M cormaporhdsrhce. rp y are e a telalas ri avar¦ps y rated y durwa bgYq ?a , y a net -A* b unaerw cad acoomrs ps, atmdlipl Yanaf s rete all Dy ri N O bstareera sit t ro 11htaMrq m a e aceaMY assas IM b. w N Wpsare on Orr Fhercial CaWrnim. NI Apes mearvad. a 2003 p A ¦aw Ron APPeM To, ease mnbiply the rirrpea dap on your eeurar eftw you Ira CaphN pus 01 LOLBAK 58N7S 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. Plateaus, 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. Ones n • 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. Ca'C• VISA ACCOUNT 4121-7414-5964-4051 Account Previous Balance $763.10 Payments, Credits and Adjustments $30.00 Transactions $30.23 Finance Charges $15.27 New Balance $778.60 Minimum Amount Due $578.60 Payment Due Dam September 03, 2001 Total Credit Line $200 Total Available Credit $.00 Credit Line for Cash $200 Available Credit for Cash $.00 Atywanseroire To Ceatoma Rda6- - w report a It ..W. -L 1-8D0-262-1493 Send Payments W: Seed iogade sea Atm: Remittance Pavasdn8 Capital One Saviea Capital One Salim P.O. B. 95147 P.O. Boa 85015 Rid-J, VA 23276 Ridnao•d, VA 23285-5015 519155 JUL 04 - AUG 03, 2001 Page 1 of 1 Payments, Credits and Adjustments 1 of AUG PAYMENT RECEIVED - THANK YOU $30.00- Transactions DATE 2 03 AUG OVERLIMIT FEE $25.00 3 03 AUG PAYMENT PROTECTION 1-888-527-6904 5.23 Thank you for enrolling in Capital Ones Payment Protection Plan. Your premium will be conveniently billed to your Capital One credit cord based on your month-ending account balance. If you have any questions, please call the customer service number lusted above in the transactions section of your statement. Finance Charges ii jarre96rrenakfortntpadantenJ6r.aatson B.t Ids PeliaJ' ?+?'d +? efjladm rile er VG PURCHASES 9769.39 .064119AP 23.40% :15.27 CASH 9.00 .06411%P 23.40% 9.00 ANNUAL PERCENTAGE RATE applied this period 23.40% PLEASE RETURN PORTION BELOW WITH PAYMENT. One, 0000000 0 4121741459844051 03 0778600030000578600 New Balance $778.60 Minimum Amount Due $578.60 Payment Due Date September 03, 2001 Total enclosed $? Pkaapr;r.t a-J .g.hMe.o: R-s. R" sot'. 9- APL a Cry Sine ZIP Home Horne Al-- Phone ?i Capital One Bank REBECCA J CLAIR 18 N ST P.O. Box 85147 LEMOYNEOPA 17043-1327 Richmond, VA 23276 Pka.e ate), savant number m ynar cbwk or mm.ry order wadepayable to Capital One Bank and mail in the endured enw&0a r it HM To Avoid A Fban Ch¦rp. amse ?siod. You ves hew a mYiran Yram Pedad of a Periodic rate. To obtain dr average daily balowe for the rnverW by tome ec¦tan.d, Ty ub to bNne yot0 accou t N it fro amsey own aoase. for osnpe, fr w ¦IMor@ad a p1oCINp ham a msrdunt wW M h h de . 1 26 hy¦ whMd anww drrys m row purdrw, new baieroe ir•nsorn, new iecist Pwdnor and raw other 5 of per •eprwa each , add •M new EV t U each aaprrirs ¦M nbhaa anY poYmrto i I ar your e mam wa . raeaiw the timreetlon ham t accent has bow caved. Y acmud will be rwpwrd. Z M ached ro Yea accauu nt of dr d f th o Iii dhnpr N yes pay Veua rotai 'New 9•brhn', In msoNanos wins the snseaem Nmm? fa eYerda below, s . IH the code N apposes an the from or r a nxo stmemam mm to 'N¦lann Rant APiiadd To: M else N h Wi , e am u r and yyoouu wNl bs raWorrors to p¦ynrom. N mom h the M .rel mdnue ate •cwhrrd nsmlrori M for advonces doom dew TMs Is n cash and in time for k to be == mod t e smar subtract any unpaid amore clones klcsnded of each o?rtma 1 TNs gives us dw duty b¦hras of each , r p m be drroad, or the emem permitted by low, and the aid N Ad as dehrd above hl rm has been and apadel 1onsbR N addition, them Is no areas period Ott ecy tlalesctbn if you do not ey ins total 'New egnmd• TMh. vw •Od tq N tlr dNy b¦Iro¦ fa e.dh aaprma for dr WYYhp p•doe and dN6 by llr tool . p sceoua a 7. Ueihs Y= Aeaeud.Yor uM or ¦oca¦rt remot be n i rma amNY i Mh d N Ooraw?.• rumor of do" In me bIINnD paid. TN. 91-a us the y o N q ora an v a we i b. =%r- Tvdiclh m rr horse erne 1) .-oW d¦sy b¦lerse of adh sooners. 3. Amai a¦ea• IMII. transact ons. N. Notice About Floosie Cheek Cswaelr. Whon you a? from the door of the transaction or 2) from the does d e the r•d ro you Acoourd err 31 fresh oe tnnrctlon h ¦. TM tent 'Anent Peroamse Rau' may appear as APR' an the had of thb sppnrana. Orodda a dock p evmest. you aWariee r a" to Ise kdonnadon flan You dodo m msb sons-tNm - . g amt aalard•r dry d+• errand NN? podod AddlsmNY. d N you 6d n1e[ eV the 'Now Belersa sons the D a b. N the ads P fWas), L (3-fm. LIBOR), C ICordaara of DapoMq, N a (BWrI Pdmy mm"m on the from of m d d ¦hcnmic Mid transfer tmm you boot asses or to pacer dr p¦ymwd n ¦ drek tmmoalorh. Wrherh M up MDIm•IIOn 1mm yohR cheek m m¦ie n 110-1 C a? yNgNxnN Patlpd N i?. Mfi! da1Np nf11YnM IO eCCnM i0 O a ihb RmaanpnosemxplN10rg1110 pa110da ramie). e Epe 2 = - Z es ? kords -.d- erubsdc h y d Thb mrsain a eat you may mN orNnW1n clues r own If o Ina or se base nat y erhd wry Qn y nd N TA• WM Street l d kd m e i•1m ¦yy" asouht r eoarh p t ant Y u Zoe mai- you d hadt from m 1 m of you pay the end; Nmr Dow" Waco" m the fr Your etatanlh•r1t by the more at•t•nh•m coop dm, tau dW a oea. n m e mane Y dewd u you ?mrnat Noe the euNN pe 6¦ N W es r dr Mm day of your d T . 1NrdN inmfotddl. = _ rot do p for the praiar. mock. lfrpaid arharhea drryr era addM m the ?pfuhM seonam of You Ahsard. t c. MNbam1 Rher1a FBNe• Fa rdh bfNinN Wood 1M unpu 1a Mr bFNn1N podod mwrad by your Mdodc stmmaa adno N 1M lend January. April. Jdyy eM Octokm. BIWNO RIGHTS SUMMARY IN CM Of Ems Or Q ndmis About Your BINI r need more or H r bN is wra ft* your accaad horqea to ¦ ilaree ernes, a atkimun ttdN RNANr2= C]UuAOE M e0.60 wN M Nlpord. H the e. If the code D Verses), F (I -M LIBDPo or 0 (3-mo. LIBOR Reprise Man" eppwn on do hW V yao rant d i a y p, you :=a wdr m u on ¦ do on a tra escdan a bill, for •ma.hest es eonn porl6le m ao atlerw es tool r.-. du readlirk from tlr aooNntbn of yco M vIN wOtoa out tlob Irk iM iN 60 oh c slmarsnd ms to es Peden rauW, s Pe and ornrrpa1dn10 ANNUAL PERWItAOE MT6 may p We NgdrM = n d e from of "a atmnmrs. ohu a . e emouv from ft $0.50 mklNrs and the dfbw me seal be hNled m iM pndntM aspnwd of your otxaum, e h CIr N fi We 71.- the B a Mi wry mwssY m+Y Naaas, m drops bard on the sreced older, as iand In 7M Wee Str.m Jaumat plus the mangN PmiadY d•dord to you. Those, cNnpn Mar from you m horn ern a0 6M err om sans u ohs amt from on whfdh the error a Problem apprnad. Vyoon am oN our Customer Rai•tlah¦ moskar, tau doom se .6 rot . N rt e t en t d. Taapasy cps U nor oar. any or N amore h.,Nm to sW NWen i d sea be ethc+lw m the Beat day of your WINN period -.h nrorsh. a. N ydo htlm. ¢w 1r 11o ro/owirq Wu nonoa rd smmnt mmrM, the doper ::=- ?. D per o . Averap OaNy aYeae 1YW?lhq New Pudmnol. 2 4. Awsrm M Lab, Ov~ and Resumed Peynoad Fop. sense of tlr wrpsc7M smi. a daedpdon of the am I aaaaaar . a. Firs Charge h caladmadad W mtddNYNO as dNY bai¦nn o1 rd1 eeomm of your aecaad (a.0.. malt Your axmad vdl be apeaad no more than the o11M fps NOW low the oaar drip cry kNlinN psnbd. Under ds and mr apasem. If paselda, of wMhwy you aeNw 1MO s an emr; or 11 you mad mom imolmaibn, a description of advem•, puehsr, Weds" transfer, er1d aPadel Purheea) bV tl1a nneependip deFy padrde rate(s) iM fw been tams d you awtamsr aPeamae. om naaaM d10 riam ro waive a not U carp cry fps where pd. neaaa lionm 1M Mtn yr m 1.1ahr• about. Vote do rsl dews ro eY arhy .mars N quwdon wfih M ate kasadNalklN h, but you T praNmd 6adOrd U you. At IM end of esd1 do pia /of esdh dr bAne M aPP1Y ' wdoxx w•lvinN our sod to ¦•pa the awns or aimar m • from l ?u n ¦tlll aMp¦M a ey tlr perm m your bN M am rot N hFrrden Wldla M NVndpane yule sinual. le aerelm eolaet the k tl t 6 a 7bl aeptrr Y. atsead m 7M ~ M sad" A You Aeaoud- If ¦ nlsmb•raiip tr 6. t an o 4rm mu s any ae repot Yau p de d _ ngN sepnwiL Than an do and of do period, M add up the .hers of ds doll alWmhm to arrive an drl t dr m w h app- n "=" mat¦r.ens, you hew 30 day. dean dr srmrlsd wis mN•d to you to ¦, eMnN the fee m to how such be cadpd U you ema¦d You ehse an. t Special Rue For Chet Cam PuWw i q wanh. . . a psrhdc ansme dh.rp• tar ra reerme from rode poaam m amw m the taW pedede ansas drrga nor your ocnhhm. Ta Oar the dNy 6aialln it You ealoel your account. DAM die period, Woo may t-0ldnlm to Ur your asses wkllara MYk1N m WY e1e you must our eCCOtaI tr To tpmel , H Yet Mw • problem whh the qusNtY of property 01 dt nor and ou d oo M d for each seonam a Yen aoraud, om Ub Ufa bpWNfq mle for acct segment old ate Cerryry IM1W Imr belonce , . y ma f us by by WNq aCtIn Oaemrrs madly w Balance' Infra k fembu nadwfn ft N nt y w l ¦ es You pu sp rnvkas i nsw tnWf N Oaod tam" m nma the PmMem wan the the nanak ft he d t or t de p an d and 2=10 a :aNirimed on dr ravior slL Wa the sWtocl tmY dot ao b y e a pay your p nsnWamip 1W Prim -00 ad of the tMrty-nY Pari°d git n wt nteldsnt4 you 1esY o pay a- do on the property or aaMces. You how this p yr eymamo a elects pried as ec 1M dey dot era aroa•red d e. H new Clar Yar Aowd. You wn repeat to does au Cunomer petedpnh¦ rsolnt b r ceas pnmeaUon Wyy wtherh ys pupMn eke M¦ mom then our hone mane or ra• made in l c NO tx) d anes m ==. pams dNy b f die However II you veld d vhrd r m y • ppuu e pennrm. Yw order deorroy yap erodt nmld and y ree v an t r pu . i addne••. M M own a v tiro I OD mks m your m or , . you •a aNonn atrsw n Your phedws ¦tstanhars N Z t New •awM gasp drab. coned N pp¦1MM=ed NNna, V opaau dr mardwR. N M mYhd you the m i1 your new 6¦larhn M¦ norm • credt ahhhalyd), new erd err ?dnp yar apCau¦d. H you de n01 Caneai roperty or rniaes. N fundo- adwN¦enlam fe me P trnocdorr w/ich poor m your puclrr m sPSCiai Z PresutAOdied holm arnagrnrb. M wN aolNider •ro awamd raa¦rder of amour or lanlbh of Purchase.) : Wlarlor. We phndr¦• aprrrb as nor addtl ra ds nacelpl m e duufpe you elrlsd2atian m nt iW ror M dyed Wl e r m aian N nrtaapo drln. Pape mree nbdme d1a avaree dWy 6elrra by addnp N ale deNy Ir1a11Cae trgeUsr and 6Ndnp the wan by the 1•al[bOr of y, yar acce a atxam. Add udN you eY N tanou•ds Yet oom yr YWdhq: erry t Does not AWy to commw non-ands Card eccoars g the deN N the arrwr NI4p tyde. To dories your tonal ansmm dunce, mMlply You swops deNy belance Dy der b1Nn f n N d M IraraGtla s You Mw aurMaad, arras dsryr, en due tro, oradrhit ten, rturh•d eytmm t.r, -h edverhu Ms and mry adrr Ina arched to your i Dose not BWY m busioeas noo,"a Cand manes p O p r r o y¦ deny rma ad by the nun D1w to loudnhp on ¦ dely boom, them may be a accent. You am ra¦perdtble tan vomr, corona wlWlrr tan Cap m! Oro supports InfiD aeon privacy protection: s or ro p sp;N variance becomes die nbladon and the amass of drge a :tr tone you request to dry epprr on you axant a doh tlr emoted a they am Incurred nhepsm to Ttds maY pact in t to dose the account wobsae m www.a ram. O^a Ia ¦ '°"""T rpleaned nrNn mnk of Caprivi g p N from of 7H• reviewers code Z a N ippera b. and W 'Relsme Rate AppNad To: an mnddply the '" 0 defy holoram . your reques dsnpr m7N art Vier an0ud otter You Mw tkr Rrrridm Caperaaen. Ak dpa mrrwd. 0 2003 hplul f).he OILOLBAK 519155 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 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. Capiwone, • 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. Caplga is lG• VISA ACCOUNT 4121-7414-5984-4051 Account Previous Balana $778.60 Payments, Credits and Adjustments $20.00 Transactions $30.41 Finance Charges $15.58 New Balance $804.59 Minimum Amount Due $604.59 Payment Due Date October03, 2001 Total Credit Line $200 Total A,-Aa , Credit $.00 Credit Line for Cash $200 Available Credit for Cash COO AtywnrJeroia To call Customer Rdatiom or to report a lost or stolen esrd: 1-NO-262-1493 For free online account mvice and spe"customer off=, log on to: www.capihloneaom Send payment. to: - Send ingoirio to: Arta: Remittance Prowrivg Capital oft swain" Capital One service, P.O. Bar 65147 P.O. Boa =15 Richmond, VA 23276 Rictne-d, VA 23295-5015 505405 AUG 04 - SEP 03, 2001 Page 1 of 1 Payments, Credits and Adjustments 1 30 AUG PAYMENT RECEIVED - THANK YOU $20.00- Yore, scheduled payment has not been received. Please remit the amount due appearing on this statement If you hate Arcady made your payment, please accept our thanks. Transactions DATE 2 03 SEP OVERLIMIT FEE t25,00 3 03 SEP PAYMENT PROTECTION 1-888-527-6904 5.41 Thank you for enrolling in Capital One's Rltyment Protection Plan. Your premium will be conveniently billed to your Capital One credit card based on your mouth-ending account balance. If you have any questionq please call the customer service number listed about in the transactions section of your statement rice`"asga PkxeJ re vaseiidefR nRportais t ixfowar(ep $/Af 6 s. t flrnaosr r ?I?ICE PURCHASES s793.71 .06411%P 23.40% 91539 CASH s.00 .06411%P 2140% LAD ANNUAL PERCENTAGE RATE applied this period 23.40% • PLEASE RETURN PORTION BELOW WITH PAYMENT. OW 0000000 0 4121741459844051 03 0804590020000604594 New Balance $804.59 W ?p+•r.d.6a.?w,rr, Adore, innghl--Ra4:oE Mioimtw Amount Due $604.59 an«h Ape r Paymem Due Date October 03, 2001 Total enclosed $ Gay Sore ZIP Home Phone Alwaste Ptnm Capital One Bank REBECCA J CLP.IR P.O. Box 85147 1,8 N FRONT 17043-1327 Richmond, VA 23276 c •aaas ]rrlrlrtllirrlrllrrilrllullaillnrllusl6ullnrllaul6rtl lterlllnilife toll 1tt11uu11u11usltllrrrlnrfill 1nr11rl Please twits yov amount umxbn m yaer abaci w money wdn made payabk to Catstal Ow Bank and moil in ae encloed mvdope ate l? 8 0 O p N t:-Orrrw Prig. Vw nA h.--. mkirsm grace period d 26 daq wigow enenee drpe m rrw I " , new bNarnros trreiA, low spedM purcNns and now other Charges n You ptY Y? taw .larm, Balance', In acmdpw rMdr IN Yrpanwa NWCe as pagnrn below, a:4 lone for ft so be cmmod W your rear tatwnra anted mclal tmrbn. chi a 3tl Is - RraG psdod m any uweacd- if you do not pay the total aiw b• :=Patrrea4eaMTrrsdlah with an ra f dva trarroedon oo err 2) from the dam do f rom ft daft sh proceaaae to your Arx eras or 31 from the tmweim Is Bret talarldar day d cep daanra bairp from1tl d Atl3flarnlly, i1 qyauu 6d not. pal dip 'law Babrw' p pmiar fsasq Parlod h lea, fkrrG derpea mitre to emus to y0A upNd bNrce ur a dos upNd hslrtes b pdd I. bal. This more lhrat yogi mry edil owe Lerw dlflur, even If on dm firm of Maned most YoeatrtrseA by rite pea ststamrm ddaaktp dm, but dad roc do r for the prMae malt. lbeafd NerrG drryr an celled m dr appYe?a ooQnrrr d Yap Aemun. tG Mbdww Apnr?gaewst Fa each b¦ng pedal tM loyototal Fo M E GIA1gE of ? X60 voMl?ba?oinrI If oe your tool Inaw tdaparyrakq btm atea?paaeon d peeodie walq b Nr tail i0 60, we viii aracracc let amous ban the e0.60 nemaan rd th afirenlee we be broad m M padew egnrt d yon acoolam. td. Trcrprry Radaeaw in lire slogs. Ws Arm 1N dgts m pet arer any a i Ntrw eNdgs lop any given 2. A A. Iileqpsdad Geared by aia tatmras, yw aloe cep bs/Yailo beuaw d erdt aspnws dry, add vary G trapspf m all aspa?r aloe oroare =% r om a ? Ill' tit Gee N appan en are To,' rtmraa ass[ r'ffalars Asa Appged To: wa ale aWIAa spry drpd0 arterse dugs ksldrded in dap balers d esrh ?pr?aa.l TNa giwe u de ddy bderree d rd Then, ws add r p ae de dally Eslsnw for wdi = .for to hgYrq ==- by local Amber of days ti cep ghrr is the ¦»Aq ddy balance of wdl aeomrlt. 3. AAUP Praaaaa0t Rte IAPRI. a. The teen !Znpm PeaGneaape Her' may appear as 'APR' m to has of this statement. Ir. If the code P NLri, L 13? UBOFQ, C ICsdacar of de tram of DapoMA. a a (aaiwrddip Pedorc pap Pmel apprABim tits troraa rep m al, pc mw and ANNUAL PERCrAdeOE M.TafodEB may wry WertmY ono Aav Mawss or bnwr bawd m the sated bedew, se food I. loll Wae Swart JomnL pas ale Aaryins asMasfy dwlo? m qu Thew dwgw wit W ve m cep Nt my d yap Mq period coYSasd by your periodic sMmnsas slily h cep to01e1ra ,lparry. Apdi, J.UBOm tdr?r?d? Oa OW. c. H the cods D fPGtel, F (ciao or O (3yao. UBOR =t= YI awbens d yam rartarrlPapas Anal, de padodc Aloe aAI Grrswq??p ANNUAL PERMUAOE MTV my rwwdir rd Hear or dxrww baarW m 1N the moryi ProtiolydY diadeaod m You. Tlwe drrpaa will be dudi» m tle art day of Your bidin/ lorded "Ch ManttL 4. Awash of Lau, Oyer and Imagined pyenre Fra. Your acoaas wild be osm@ M no mss anon two d ere low listed ham tat - dl m r ba 2 perirl Urdsn dem runs of plop anarorrrer agdssrsem, ws rrsd» de dgilt waive or not to aaame any Ives whhut plor rrodaesdcn to wltham wtlWrg - dgia m care the same or slailer rt • lerr dm. 5. pea Araua. It a membership foe appear m tle lrannt d tlis atammrrt. You Nve 30 deq foam 1M deter au antmrra was nrallee to You to awed prying aloe Aar or to Nve atrh tar salted fhia m you N par Gild yap accrue. Dudry PX4 You reaY dbnllrw m low Your ocean pan a wmeur ho loo pay de n u tar. To Gild eatio yap arm no ft Lty u by by eaakiere Qraarrrer Hdrtlorr Dsp.Arrn and =Z e;r- i bell IaaAdirp 6. N Yen Ckr Your =.. =1=Ill e ??dons by GDopararraas. Yeu mat lorry Yea credit GadiW all atxaus acosw ducks, Gael d pAaWerlted blNq, aloe Gaw oGdYpppYyopuraeewm. n par do m Grwl Alp oar a d q,Yoa' md?omOemtaiiai m rwopan your accodn. AdderWlyu eccour wm na bs dosed owe u idldr4 arty ha raledted, Nrhs rhertaa, peas ==Pay,.". d. os fees. , o lealrrlli fear, rwarel WYmra tam, cash adver iw aloe my oaer ids =x-. eft You all If DOM b at a#0 *M V011 Nr AST 10 to del account or tlarr anmYWAd el?laeq{wre to dprges apparbrl mm Tab You met In vow scolura after tan occorasllbea:"ap.?d?.r hair i n?srd .ni ewdnsrMrou, rum ra atnr ym receive the transaction Mr sccaas is boon closecoours wa W reoporrd, the .man of d,er an will be added to yow .ccwan. and yyoauu wa ba Ier paymew. M then b a rrlarreeraNp lee for yap loosen, tle it low, durfill e to ba drrrd, m the apre p In ur hew, um ft ocean biaG hn Wen pdd b IWI ee&rd above. 7. tbb0 Yea Aaoasa.Your Grd or aeocue coma[ W nmd h mewdim Nth arty morns Panel" 8. g0lfea Iaost EWobo do Chok Wrwsobt VVtw You =vMamrad m apse oywrodeek .=: orw-daA m ofectnric fad uarir wa yap bank acowe or o Process dry r • ehek trreaeim. 0 we dm atU= cage m mans m Wctraee fed trreW, hom qv k: prey W withbawn frenrr giro bank acco n as soon as fire = X=- we radve Yea art, and You will Your deck bade fmn yea firondd srdhsion. BIWNO RKafr5 SUMMARY lln Cam Of 13roA Or Ountiars Malt Your Ban a you dolt year big b wdaq, p K you reed moA kdormrim m• tndataotlos a lea, were m os m s eoperen aha r arm w prdb rt ow od 1 for Ylglidim at~ m the two of a" spans. We must heat film v r later den 80 byt a tar we gem yw the err IrM m wNdl rile aloe r prohim appeared. yos Gn eel our Qmemor HdNma n raw, but leas w wa ear Va+ kt" b Yap letter, give us rig fefbwinq tmmtlon: yam inrrn rd abeam taarnbr, ere edr armours 4====- a dwcriPUon d tae error an10 a , of whip you ba/sve from b r error; or If you reed more keomradon, a daacdpiort of de aril yos an arum abaa. V- do not he» m pay any oilman ti dylMdrl whla we an tt. but you an spit abapend to P!Y Pis of loch blr dirt an na c9tNaden. we f?lllel in elsetlUL WHIM Yw mVpilpafe Yon re ?ty O OF alp arty aNm to collect tit quesdart. t,t Special Rub For Credit Cord Purdpar r vath ere Welty d DroPerty a H you Nve a prdapudtll ieaM elm a cwrt card and you 'wrvicea silo you N» taletl m goad calm p caws one prarsm vdth th nmakinp arn, you trey h» dos r nrt m pay de amoura our d dos m the Prefatory or sa rrNm. you h» 1Na prwrtlon allyy .den h polar pies woo mere dtm 160.00 aloe tbe pudew wr wade fn your hen man a within 100 mar of you moans acheyo;. Ilf sm own or apmM ere mrdwrt, a n vw m.Z u ter ere»mseaA for ere prepsny a services. d purndnms aA covenW nprdew d orsaus a bcadon of Pachaw.) Plena rwnrnber m sign d contsapadree. t Does INK AAWY to aesrrpr a-wedif card accoraes t Does nor apWy loo evasions -cradl card ac-Noss Capital One eoWoas k4ovemibn privacy proteaim: err our IIYObehe r wWYV. mil. rvio. ewe r mark of Capitol Gpeal Orb • My One Rrwl.N Corppatlm. Pll epos moose. 0 2003 C nfd [far 01LOLBAK aeyrw, pnatseee, oyster trarrb, sad apsdarl put horn) by th consapantding der pededie pall; set 1lr bean preNOudy disclosed as you. At de eel of each on =u dr 4egop padre, ws appr z drYNgy:.-paled An it drseF oinw at de and of the 6mip , ws add dip ter raalira d err dal d:stneatlen m spears r results each who?Ognaa oIs Madvo at the ? ooze totNo?pafoveilcde Lpaw daps for yaN acoare. To Cr cep des bstrce air sadr aapnam oT qa acoafa, low cola SEE balarce for each aepmrs and add rry rrw?oU?e aloe pry New dirnw eskdand day a br let rprwm. Wa tlnn eddbcna any ply ovz r end0 ports as d dtm day to tit[ let an suoeand sa(pwa. Tlia giw ve dr We. cosy ielmG Z: aradl asprdera d yea wGUa. Flowevar, N You paid the New Ballow steer m your pwtias talenrrrlt In for If Ymo hw hlrw woe fro or a credit s mash, new uohac : whidtprem pre P= r apsddN etlWwin thed a aoo?tsrge dilly Wprxe by arfdinp ad1 Oah?o 1. e Wlraas logodar and diMdirq fh ran by On mmber of de days in de carriers sake cyota. To calculate your tow W de Lew darpe, -ltlpy Yew olf ft average dally balance dally ps c pre rd by th ramWr d days i ter N1dq 0 e ce trading m e der brio, egos may ba ¦ aagi »drme batlasarl dice GldaaUon and ale alnpdea of Ntwtea diwos seludy eased. b. N de cods Z a N appsus m ere from of Ws rrrnrm ripe to 'BalrrG Rap APPdad To; we .ltiapY 1h 505405 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. Pr. Please allow at best 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. done 002 • 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 VISA ACCOUNT 4121-7414-5984-4051 SEP 04 - OCT 03, 2001 Page 1 of 1 Account Sntnmlary Payments, Credits and Adjustments Previous Balance $804.59 1 26 SEP PAYMENT RECEIVED - THANK YOU $40.00- Paymem r, Credits and Adjustments $40.00 Transactions $55.62 Transactions Finance Charges $15.68 DATE New Balance $835.89 2 04 SEP PAST DUE FEE $25.00 Minimum Amount Due $635.89 3 04 SEP OVERLIMIT FEE 25.00 Payment Due Date November 03, 2001 4 03 OCT PAYMENT PROTECTION 1-988-527-6904 5.62 Total Credit Line $200 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium mill be comeniendy billed Total Available Credit $.00 to your Capital One credit card based on your month-ending account balance. If you have any questions, Credit Line for Cash $200 please rep the customer service number listed above in the transactions section of your statement Available Credit for Cash $.00 At your service To all Cwtomer R&uio or to rap of a lost or stolen card: 1-800-262-1493 Faa fro online aaaunt mvice and special ow aver offer, log on to: w egitalonecom Send Payment; to: Send inq&ia to: Atm: Remithna Proeosing Cspinl one Savi- Copied One Smites P.O. B. 85147 P.O. Boa $So15 Richmond, VA 13176 Ridwond VA X1185-5015 Fm a= Charges PkawAv revvraarideJ6r important i?GE afoprm?afx aa?? . »>a!r eia? $ Cf?AR ejt,'d =.- PURCHASES US354 .06137%P 2140% $15.69 CASH 3.00 .06137%P 22.40% $.00 ANNUAL PERCENTAGE RATE applied this period 22.40% 52030$ PLEASE RETURN PORTION BELOW WITH PAYMENT. Cw 0000000 0 4121741459844051 03 0835890040000635894 New Bahnee $635.89 Minimum Amount Due $635.89 Payment Due Date November 03, 2001 Total enclosed t Plrmr p,wrdivsr d mra &b?m a..g R--h&A ark S- Ape Gq Some ZIP Haae PhD. Al=- Phone aaaaaa? Capital One Bank REBECCA J CLAIR P.O. Box 85147 n 18 N FRONT ST Richmond, VA 23276 n LEKOYNE PA 17043-1327 inls?o??nslsllus?u??uliuti?usiinsliue?lntl?ns?ius? ° ? ?suiiiusll?uut?u?niinni?nllnsltiinulus?l?n?nellel Pleaee wnteye mxwd numbs anyro nW w money order made payable to Capita! Ono Aa l and mail in the enrloradenvalope r a? 0 O N 1. Have To Avdd A Finance 41st. te. •eee ?alee. YDU W Nw a rniimun prow pe iod of psdoAC Me. To obtain the average delly balance for the Nbq wvsred by W¦ suumant we cab to your accours if If lane alm¦dy been tiaaed For .ample, R you autlmdzed a gndnre earn a merclwrt and we 26 dsp whirs urc¦ dwg. m row purdrrs, new bbrnoa faarlm sew •del «dver rd cow oe.r begt•?b¦Wrw of rdr ¦sprws re)r dean ¦tld any new trace m eair mrK ll eM t mcelw fhs tr¦rmeedma«n tlr menaces chat your b d d N , R p ch., h you pay you taut 'New Bal•nw". in ¦cwrtlar, wlrh Ue frnportem 11osw for peyrnome below ep a w me any p.ymerrce or oedu. fit are eod• M •pPwm an Val frog of W stammerer next m 'B= Rome A esd To: w• .1. acnouu ean ome , ywr axws wit be raopewd, o m• anoue of a. drape rat N added m your armus, •M oouu w N be r 7M m N d h , and in time for it m b tmared attemmt pp a6lraw any raw M inanr drrq Inckm d in the brace ? yy apaw e r Payment. rag a rnanberaip 1r man Yore atcmaw Ur M W cwkw drip date. There Is no ptaw adwrcr =-=17 cod s ecal 1mrNts In atNtlm ahem In no naw entad = :: rpra.) TNs g{w u dal duly balance of each r nr[ The at dd M th all 6al f h , to b m the exam by low, gaol the a. bal ha b I p . , g p m any rrrradlon If You do not psy the roof -New p . n, r a ?tpp yy arrws e or eac rpttwm man tN bBkp perod ad dvldc fry iN total P secant ance een s n *M as deterred above. 7. IMrr tar Ae¦aae.rtu wad or acwam oem« be babrce.' rumba of days In to bMV Period. This awe w 1N M rwerction cell. at'y items aambWp 0. Aeembp Fkrmr Oran. TlWradloar vsieh am rot ¦wrpe tally balarpce ot each sspmaw. Mrt sngset m a pow pealed aro aaeeasr irpace drape 1) 9. Mwl P«eaege aaaes rMRi. e. NOUN tlee Mal Eleobwie Check Owwafbn. wlrx yw loam Ur Gb ot tlr brracif m 2) Gam dal dam dale •. The reten 'Mars) Pp Ma' may eppea r prohMb • drek r W Mae. You atehodss w NUhsr to trarraetlon b pmwred to yw Acoouu « 3) from the 'APB' on dal irorw of die etaanertt ran trhfoenedort barn pa dnsck m malt • ar-acne fre t t alader d•Y d Ur amen[ bibs palod Addtlarllyn b. R it. coda P IPdmr? L (3 UhfOW, C (certificate of electronic knd trader flan you bark •ocurs a to yy oo uu " i " d Decogiff. or M to farm of ro M a p- the Pay.-* as a When wrsMe m to f Meng pentad r .. frpwnka drriea id bal st fi W hr ll i b f ll via arrrR mom e padode mteb) the plelade d d ANNUAL PERCENT R usa mlcensrion from vote drek to rnaft an electronic yap unpa aros ca r upa anw n se u . TNS mess 1N[ you amtys a1? eves trrarnw Wrpr even if wmapbrr ro AGE ATES raua wan try ry tWMdY ad m `0 «deorae Masd Toni trarev. bade may be whhtrern ire your bank aeeass r aoan r the ear da we mceiw our , you pea the ane New asMrnw kd.'Ad on the trarm ot ; , an to Wed bakes, are As Wag Sear Z= y y paytrpsrn, and you W no nealw Your deck back from . t , ?? h t nwpin pnW ?r? dadtasd t u y P y«r anaxdd arthuWn not for do w do Pervious coach. m added m tN e nww ot un ncconrw ?ofia ea r npr a ? ot bai alod coveted W ra e r o rdi BILLING RIGHTS SUMMARY p p p . tc. IAiipar Flnnarpaa Oran. ier gear 6akp txdod Urn ar ac am it m • if aee car minim m ' p p nW a m" c z Y tr N in dal manN Jrury. /1prR. ,kdyy and Ocehsr. It U d D IP i F (1 l IB01 O ) (In Car Of Errom Or Questions Abort Your BW If Nni le y co r ps,• u ova b rata RNANM CNAaWEEdol1Y*tW60 spiYrrnpUraand. if U a r e. r ce e p me -rr. p+eo. q « , . UGOR Rapdosd Mash y e?m on dal saw W Vav {1? p6p ? you t k yw a b w« a N you red maw Monnadon an • UW-11-p,r be, ram to u on a ? y padod mulsl b ban 1Mn 1f160 w rM wLlratt Uut p a e e iaor errArb NM/Al Pt31CINTnAIRE MTB m y iquidr slow. an the Um at Wee aaau ra?We mat arrtart boat Ur W.60 mtbinwart and 1N tlllercrnee W be wry troahi, may W.:. «eadape bred m me fear loom you no best than BO days char we am you the 6Wd m tM prdew aep?nrA of your account. rated Mcse, as foul In Thu WON Sasef .brrnW, pka first bN an which w proMan appsmd You can td Tsraatry RetYrrYn lot Finance Orate. We roam the the magin psMwalY diedred m you. Tar drapes = call our Customer mrbr. but darns ao vWE not right to not sear any or M apace cNpr roan any given W be sfbNw an dal brat day ot yw bung period yyroam pa caws. lo your latter, atom u tN 1MOrirp peed. = each moll Yhfoparpatlorc your name fir arcauw rmsnnbsr, iN ndbr 2. A Debt'. lkrokt/ra Mew tirdrewl. 4. Aaee?aw of Lab, Ov~ d MYned Peyoww Far. arrant of tN wryeeted err. a dredptlan of Rr eta W. Rnanoe agape is ealoter by muldplybp dal ally yap atrnut W be arsred no mm than eve of On ban and r rplarLm. If poeeals. « Mvn1wny you = Uen b b¦lanca el each sepnem N your Wcorea b.¢, tarn lWted he, Unst ooae duktp cry biip period. Under the nit -a rror; or if you need mom id«rnadon, a dredPtloah of adwnce, punWr, epaWal traria, Wall special skean) tar he yw tsrtaner apaaanpm, rat Macaw the tfaw to tN ham you am arras You do ear Nw to pa any by tlpa trtreepaamip easy pedotfic tsWr 1M has been wales to to accts any rase wHhan prior netlicatlon to arrant in ourdm wlia we am Ywerfatlrhb it fee you peMoury tLdeaad to you. At that and of each G d?lnp cats bins Dedod, w apply the day ac kx rm t« rah you wihets walhaq ou alias to asset tlr sanr or ehnWr ter r a baron tbr. an OW wbBpatstl m yv the PORN « yap blf tNt m act in qurtlort -VAWa we bwepre y«r Pneadm. we e?yet rP•att of yw atxaunt m Urn Why kafenoe of rdr rnart Tlneap n tN cod v1 dal «IIM a sdod w add al 5.tjjjb a Yew Aroma. If a mrnbwm* fan p th f m f a" N so t t repon you as dalbrprm or take arty euian m kdlecl IN d p . p p , p the -*m of dame they cdadstiar to arrhe at yore h d d f f d a W ad as ects on e ro o w s a ement, you aYS fpm dal deb We stacmapl are nrebetl m you to id i d t Woman you pms m. co t e pe o pnernce or ge r eapnae. c rpu e W avo pay q al an or to Nw s ch fee «edutl m you t,t Specal We For Credit Card Purchases nrWis from eadn teaeem to arrita at the mW perkde amen drape for Yom cam. To pat a dally balance for Wdt aepmem ot Vora aetrtcs, rat a the bepirviap ka if you tarsal V- •ecehew. Duip Wa pedoq you ay cood- to ear yap smear. sham Nvlnp m paymdal rtepreedi1 tee. To ncel yap ecceneR you rout f you Nve ¦ pawMm wfm ran ryveity ot PmpeRVor LI balance for refs aspnam ad addananyy navy rrwwaior d i d l d N lo al : oath r by y wMbpp o B ' y b a•Mwa that Vann grrkrad yarn a e M rd fir you Nw tad = :: pule. whh to co cry apertke rag e a ne an v ua pmrW tl¦ banmkt rm. than 1 ya rpr aot all New abnce b k/ b>dkadrpp tN trasmbaralYp tee) Pd« m Ur end of tN diRY dl p•dod =.= anvxerrant dww,ue an t On property or serhdtrs. rat, b Pey ms am+Yhirp a he Nw rob hat seaman or eredu sensed r of that day that m Makatea ro Urn rperm. Tfr eves u the sepamm dry bake 8. M Year Class Yw Aaearw. You can regtsr m nine aewkaw pt' wMrp w Gstaner Ralniorr C' pratsetian only aeon tN prdr=== than rN 1« eean agnate of YoW ace wt. lfotyevor, f you gala ma Nsw Br.anee race. an ou mvier wtrrr 6 fhll for rears. You moat dma yam aedt cedls fir a. aa:re dr k I M W d d! End OO er ma prrcr¦e wee wrm or Mean mills o} ypr nWrp adtlmr' m wan own a y p f1 Vt•e new blocs wan sae a • aadt amoanO, new trarwafar rrlidh pm m yw gunman a tP•dr ¦, maw¦ e pwa e za and wr• whe yap aacant N you do alt trrcd lred klWp nagrra• r. cell c rW&' Dm . ?s nt for arm, «a tve malted van the advertlaarm man tlr property «ender. M Pmdaar prods ¦epnerr am net etMr m 1N My balapnss. We r , ratefpt of ¦ drape yap aWrd:anion m yw sro tmv«ad runnier of annum a lowtlm of pakNr.) O asmanber to rph M wrroyadapw. calculate ms average easy balance by atNtp a 1N daffy secant. Adddmry, Yoe arxyran W not be tired balsocr rand darns Una ear by me rannbr of 1N days lo 1N arnert hiq t ytde. To ed.bts your awl ==y M rtrasc you owe r itndkndnp: any you he. aahrated, firnarca dsrpr, par ptes not wry ro uvnrurta nm-cirAr c•rtl acwums t fitpapoe dpeaps, mtatiply par avempe they brace by the ally rm ¦rd bry tN r•asber « dsp In tN blRnp this Ter, ovedY h face, raumed Papers ice, ell ¦dwrr, fen rd Wry abr Ur aeesewd m your : nor cot apply m Mauro roe aodk uN ac-.u gam ponand•q an a ally balk, them maybe afiaw wtino katweWn thle wlaeafan Wr the anoun ot aeeous. You aro reeporrrr for then artaame wlrUrr tlry epprr an yap aawhrs at tN acne Y_ open to =One supports htfaamatiaan privacy protect ew ate Mwcs klrrw aauMy eeeened b. N tan fide Z a N appsm m tN ham of Ui• raamem drove Uhs acsouw «that' m inartsd at6espnpere m cow Mr••Wt In whu'm.erhalae corn. rebate at Cepkal Or k a 1ed•rMy agreed service mark of Capital APPSW ? m gone" an d i E-=- i C«pomim. Ali dada manna. • 2003 G i daily babalance of al amn sash ormantil mthly iaa imTN dotard Madam n ne of 4 ill 0- 0 1 UILBAR 52030S 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. Psyrreents 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. CW 002 • 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 Capi61"l o e• Account Previous Balance $835.89 Payments, Credits and Adjustments $.00 Transactions $55.94 Finance Charges $16.07 New Balance $907.90 Minimum Amount Due $707.90 Payment Due Date December 03, 2001 Total Credit Line $200 Taal Available Credit $.00 Credit Line for Cash $200 Available Credit for Cash $.00 At your service To tall Customer Rdatime u to report • lost ..W- ord. 1-SW262-1493 For five online servant awire end epaid anon er oI log on to: -cq itslo•acom Sad Pgmmo to. Send inquiries to: Arm: Rrmitance Processing C•Poal One Services Cepial om Service P.O. Box 85147 P.O. Box 85015 Richmond, VA 23276 Richmond, VA 23285-5015 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 Aahcin's top college teats compete in their final game of the season. It's football action you wont want to miss-so be a= to check your local listings for games and times VISA ACCOUNT 4121-7414-5984-4051 OCT 04 - NOV 03, 2001 Page 1 of 1 Payments, Credits and Adjustments Your scheduled payment has not been received. Please remit the amount due appeasing on this statement If you have already mule your payment Please accept our thanks Transactions DATE 1 03 NOV OVERLIMIT FEE $25.00 2 03 NOV PAST DUE FEE 25.00 3 03 NOV PAYMENT PROTECTION 1-68B-527-6904 5.94 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed to your Capital One credit card based on your month-ending account balance. If you have any questions, Please call the customer service number listed above in the transactions section of your statement. Finance Charges Plrarefareverie jidejor important igfwmattan Bofaaratr Perolr ? WEE .e. PURCHASES 81144.43 .06137%P 2240% 816.07 CASH 8.00 .01 2240% 8.00 ANNUAL PERCENTAGE RATE applied this period 598535 PLEASE RETURN PORTION BELOW WITH PAYMENT. :aPWdCW 0000000 0 4121741459844051 03 0907900040000707904 New Balance $907.90 Minimum Amount Due $707.90 Payment Due Date December 03, 2001 Total enclosed $ 1 -1 Capital One Bank P.O. Box 85147 Richmond, VA 23276 1e111111 11111lea11If II1ue11eer11trellut11uh11uel i'f-pr:d dA, sAmgrr Ad oti rhho or M" k 22.40% seller Apr. t city s_ MP Hose Plane Ahi nut Phone #4030893423652225# MAIL ID NUMBER REBECCA J CLAIR 1 rn 18 N FRONT ST 1 LEMOYNE PA 17043-1327 ° ? ?us???nr?l?un?u?nl?uu??n??us?r??unlunll?n?ns?ls? Placers Imteyour occounr number onymr cbork or money order madepayable to Capital One Bank and mail in the endared envelope tt? f? a? 8 0 N o ? peood of a Parisi Ym wN hove a m=9 rye vrhlsu fYrws Norge Wrdrna. mm' w trarrMS, row WeNN =%--V other Nara wY Yarar eotN Mae- M No roars with the lnPoaraat ses for wymrss blow, in time for it to be =p, y your roe wtwnant cup don. There b aW m rash advehwa eadd fraMsa. In adtNan, them b ro 4ran psriad by trarreetlanh It you ao edit per Item foul New a cis of by Uls stawnea, we load the bmares of snacprhtwngn tl ubtr day, add my raw on ths, tit. s ? orb m?Batr anNaere Tot' - Ow Applod subtract aamipryawupdeld 9runem sdrrpo k.kd.d I. the balance aaagrnd. 7M, we add M the 66Nancaa_M each =01"."I. in theme Idif. Pa.. Th. dvu .-We* e sspmars. 3. AaruWy DalRBtatces moIf AmtMacR• The tear 'AmmN Powm+ae Ron' ray appear n 'APR' od the ham of tlda eoamam. b. N the code P (PrNaml, L (3-mo. L180R1, C ICsrtllrab of OopseW, a S la.rnm P:=dr. n the irpt of INS amana?emr ?tabs m the blsl, the rata and ro sling ANWAL PERCENFAG RATIO meY waY gwnesy wY khWSan or deaaaas based m the stutl MAcse, n fouW M TM Wa SesN ./msrart, pas the ntapin ppnnNafmy dleloaed m you 71rn am?pos vrB b• eaectlvo w the Mm sey of yar bMlaWq ? ? MgYpapx taK ?arn axtlrp a. If the code D pakse), F ly+aso. LWOW or 0 13 dy) man tlr Ram of your LIBOR Repritad Maol alarms R rand to the Pafla6C faMlal. tle wdada tabs the marp4r pmtouely dedoesd b you. Thee caahln wN he en h. n the erN day of your Dig wood sash mach. hymet Fase. 4. Aeaseesrd of 1" GtareBY and Returned two of the bn yes acorn nY be sonomd ro mom thn s=od lees 1hN case d Z -bit wood. Urrde the rose of pv asetmner epreemrd tla nrorro du rips to welve or tam to swan arty fan withw prior nodliudon to whMU wNNnp our tips to aeeeta the Same or ob Om 6. N a -Yar rule. Aeaaart. If ¦ membership In =-Z= ===1 yes Mw rambled m 30 you to Mwyfaq the fee or to hew much fee eradtad ro you carleN you aecoona. Dufrp we paMIt, Yea many ammmm to era put acealat Wdaaa h= to pay de noel uheW, eaMre Zr'." ==u! wDewmnant paY yar Now Belarrs• In for lmtkab up and the raramberc ' poor to lho and or sot wrtVr wrbd. e. N Yse Chm eau Amount. You ton rspsB to don pyaerer scows by salWrp at Customer RalBiora Dewrumem. You must dmatM Veit two castle) and acceun sops dreka, -cal .1 pismadvatine! Bd oesta per eoceums. N you 4 raroatpemrryeadn raraMaa a cps Yaaar aWSdz ? Da cnotl •xolss. AdaaahMY. Yes arrant w}N not uN yes carYoaS anaans you tress u Mthslrlp: eery trarsseUorr u Ihehr sWrrizsd, ammo wain, PeB dse Nita. ovsAarit Mn, rattmsd wpam fan, cash adwrlca boa and try otiar tarn aeeeeeW m your accaan..Vau am rtaparile for these amouta whams they appear m purr ceases at the bra you repast to dues des a tours or the y am kuarrad mWseprat m yes repast to chose the aware. TNs wY melt in your eecaurs N N hta Nrsedy bean dosed For eserrrbM, N you aWwlzed a fm tram a memherK entl vre receive the transaction }ram the ches seer your account has been dead, your ecmarwaat veal he teaparted, U. Simmons of the dupe will be added m your accauK, and ypesua pe??a be reyaMbae for wNnm. N deem Is a manoerrep ise br your scram, the ise rdl wrskas robe Charmed, m the exlart .: W l" love. 1,Ilp the aaaous bNYlae An been pNtl M fu1 n deird eho`e. 7. hair You Aeserat.Yda cab or sccart corral he Mr Y wlth ?ry Y*enmt smiting 6. lbit" Tea E)eebrmrrio Omsk CarrvarNoru. when per P. Ithaca n wymws, you auhad:e u ehher to ape ::::r dm from you check to male a ate-tlme elemrarlC fund transfer fraln y'aar bank sotava or to prosese tle ppmsvmeat n a deck trawaetim. W - we uus MbmetNn from your drek ro suke an eleetrIs had traMe, fude meY b vdadrawn Ism you bars aa;oamt se soon se the tams day its mcal" your peYmet, end you wN1 sea receive your deck beds from Vow MentlSIkeaetian. BILLING RKRfTS SUMMARY fin Can Of Errom Of Guar ions Abet Your Bali N you thihe Y. bB Is wraap, or N you reed more bhlennatlan on a treeadion or ll, came to u on a ma a1reN n coon n potable N the address for dse aloes, an the fall: of ilea orstenerrL We mat Ran you ro Iatar thm m BO Ndepya site pea trN you the fr. bid n veld ore anon W =- ee 1. You - cal as (Utomsr RNetkro rlrdcnp se Ydl not :=y"=, M youeNeer. pint era 1M tabaMrrp w arld RWd Iealllbar. =rig anaolmt of the suatpacntl mere, a dwetptlorh W the error and an nelrudom, It possible, of you bNN- there Is g'= W N you rmmd Iuuors , a deacrigin of amen in?WANdW whle hlra am al do not Ir 11 t Yea me Bp ablpBetl t pry the wro m?dat but sea h qurnm. Wfrie we invanpee ywr PaeNin. rva rerrnt s W bb stay aNn to cdlsci the smount you quotation. t,t special RIM For Credit Card Purchase N you hew a problem With the pdfty of properly or Men set yW purchased vdth a eaedt wed ant you have tiled In good lNtlr to earns the pre i- whh the marchers. you slay hew the delis not to car de mm m1n, amours de an the mapertr or aetricae. Vou have 1fM protecion odyy Wan the puMwaw Wks can more then bfi0.00 end tlla prtcMse case erode M ywr haw state or within 100 mks of Voter mailing adorer. Of we awn or aderant Owd neudisM por"nSea (MW y W car you Nthe I podreeta are covered reperdan of armasn W loutlon N pwchsee.) Plasee remember ro ahem el eorrayerldehcs. t Dam not ap fy W oarararr rrrraedR card accdnta S Does not apply to buebesr man- raft card --sera aapp?ocrenp; aIInafIorororNrmation privacy protection: an our u CorporU raghl?.lmd service mark of Capitol e6orh. AD tips removed. 0 2003 Ol L(ILBAK b. Aaarukri FMeuae fJUpe. Trararscfaa wNdh am nor subjsui to ¦ paw waW am aesaawd Manes cuerpe 11 hem the dare W the mnsndon or 2) tram dam date the prxened m Moss Aocautt or S) from the ""'odor is Sear ralardar day of Item star= bHlhp laded AddtlaWy, it per diIt rest wY the 'tfen Bebraw' trap tlr premous bhp onW M fr/, memo tames arNl nd the unpaid bNeaebaroue to a paid In futto yyodusr o U. memo 7memo that you sty aW mw we fireencer an u the I , stars if mo cated wled m the from of yes pry 1M arms Now BdMft indicated your etetetars by Betaeserrl cliche sot, but 6d the near not do se for the pmMae momR lRpaM frerhw drryeo at added to the appNa?I=t=.d seen" of yea Ataauas. tc. KVAk- Fit- O)rpw that roW RKV= f of $0.50 wW e Imposed. N 0. teal Mrrhca Wrp twdrMa Ran tha eoopestlon of you psriaAe ratlsl b bta tlrn ?O 60. we veil oWtmel that .taws Rom the w.SONmpnM?r sm:b anu the aunt. veil be bred m the P seder Fktaw Grp. We reserve the t d TeairBary RMkslian M do to not n6nn ally W ml Meow me'"a I. RAY Own 2. A he= Mp Deity imew Ikr?e?ap Nmw Pbdrtaeel. a. Rrrrra dupe b ulasnod by nsdtlplybq 1M Italy advsrhraofpuaoher, raPbm trarrNr anaeor¢id Pudeeel by tlas wrfetpmdr 4Yy waioda rants) that 1n ben pusNOrsly b you. At the arld N each day the Die oodod, w apple tlN ddY PwWk rats for n aepsans of you aecoras m the beharce of each aspmam. Than at the tad N the pssod, vro add up the rnl I d lftn dely ama/IIbM to an , N Van wuiode Incase drape iW eeM melees. YW atlIt le 1M rewdte Ram each seat. re amw N the taW pedoafc Manisa drape for yea storms. To pot the d ft= bNanw for each eeprrN W yet aeootss, ors urea the bspMnkap be ante for each esPnsrd and add t?ryy row trarodias and any Mhance rlrnpe czar ad m the proNas day's rm. Yya than nbaaor eery wymanb W .== not set cay the are apoeaW to that sea . This yes u tlr seams dory todaamaw fix Nor Belarhca eisorrrhut paahriase Baronet M iW (W the If you new 6alohos can zero an a credf am und, new ,.amebae vArich paB m Vamr purchase ar awaiN calculate as ahatapss dslY 6maroe by ndarrp the o. dolly balances member of the MN M rim tsmm filling cysts. To taktleN yobuyr lath Mrnce deeps,ra=.7. sneer awrape Ktlere b?lbq dAy days In slim of . Dls b defy bra, dam may he o mlpM wit_ hatrren this ryaiNlon and the amount d finance dells acaraly aoeaeaed. b. N sot code Z or N apwon m tla from of Wo smosim e ,it to 'Bounce Ron Applied To,* pea multiply the 59653S 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. Take control of yourfinances with Capital One: 012 Reduce your car payments by refinancing. Ever wonder where youll get the money for next month's bills? One simple solution is refinancing your car with Capital One Auto Finance! We've helped our customers decrease their car payments, on average, $45 per month or $550 per year. So let us help you- - $ Reduce your monody car payments! - Increase your nwntMy cash flow! ore err..r s: -4 Take advantage of low Interest rates! Why settle for hipnner monthly car payments? Call us toll free at 1-877-711 LACE (1-877.717.5223) and refinance your auto loan today! Please mention offer number o2154. Account Previous Balance $907.90 Pay nts, Credits and Adjustments $50.00 m M $56.44 Finance Charges $17.31 New Balance $931.65 Minimum Amours Due $731.65 Payment Due Date January 03, 2002 Let your home open the door to cash.,? At Full Spectrum" !.ending, we specialize in helping homeowners with less-than-perfect credit Our refinancing solutions may reduce your mortgage payments; add cash to your ! -' wallet or both! We can help homeowners- 4 Get cash to consolidate debt! -4 Reduce mortgage payments! FULL®SPECTRUM' -4 Enjoy extra ashl •a.r.arar.ra." s ...... We believe your future Is more important than your past. Take advantage of today's low interest rates. Call us toll free at 1-800-726-0198 and speak with a loan specialist today! D12-1201 VISA ACCOUNT NO V 04 - DEC 03, 2001 4121-7414-5984-4051 Pagel of 1 Payments, Cre &ts and Adjustments 1 03 DEC PAST DUE FEE CREDIT W.00- 2 03 DEC OVERLIMIT FEE CREDIT 25.o0- Transactions 3 05 NOV OVERLIMIT FEE $25.00 4 03 DEC PAST DUE FEE 25,00 5 03 DEC PAYMENT PROTECTION 1-886-527-6904 6,44 Total Credir Lira $200 Thank you for enrolling in Capital Ones Payment Protection Plan. Your premium will be conveniently billed Total Available Credit $•00 to your Capital One credit card based on your month-ending account balance. If you have any questions, Credit Line for Cash $200 please call the customer service number listed above in the transactions section of your statement Available Credit for Cash $.00 At your service To e.11 Cuauma Rd tiom or to n part a 1o9 or .taker aid: 1-8011-262-1493 For fine online account swim cod .paid ontomer offer, log on tw .n+w.op'Nlooe.oom Sad P.Y.O& to: Send inquitia tv Attn: Rmhunce Prom ing Capinl One setvim C.piu1 Oar Swim P.O. li a 85147 P.O. Boa 55015 Rid--d, VA 23276 Ridmond, VA 23295-5035 Important 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 are to watch the Capital One Florida Citrus Bowl-in which two of Amaiea's top college teams compete in their final game of the season. It's football action you wont wort to miss-so be are to check your local listings for games and times. 59001s We understand that sometimes it may be difrwlt to pay your bill on time. That's why we've waived past due or overlimit fees for this billing period in order to help you return your account to good standing faster. With our fee waiter program, more of)nm payment will be applied to your aroganding balance, thereby reducing the amount you owe more quickly, Finance charges will continue to apply to your account, so rtes still in your beat interest to make the largest: payment possible. This waive is for this bi8'vtg period poly. "'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 arbitration provision. Please review the arbitration provision catefiilly as it affects your rights. Ftnanee Charges Puente tae reverie lidefor irnfovtarst inf 6rnatian B.i c.etr FI a R.eJrr c_? yyt<eJb ..e ?j?AR PURCHASES $940.10 .06137%P 2240% $17.31 CASH $.00 .06137%P 2240% too ANNUAL PERCENTAGE RATE applied this period 22.40% T PLEASE RETURN PORTION BELOW WITH PAYMENT. T 0000000 0 4121741459844051 03 0931650040000731656 New Balance $931.65 Minimum Amount Due $731.65 Payment Due Date January 03, 2002 Total enclosed $ P4arepei d'vats Ada brow-rbb. orbl..t i.! Sneer Apc s (Sly Sna ZIP Home Plwoe Almoan Phaoe !!? #9033893423652221# MAIL ID NUMBER Capital One Bank Imo. REBECCA J CLAIR P.O. Box 85147 18 N FRONT ST Richmond, VA 23276 0°0 LEMOYNE PA 17043-1327 111,111 11111111111 Rill Pknee smite yow arwwd nrmbes m rw check w mmuy order madepryable to Capital One Bank and nail in the eadoredenvtlope. CapftW 0 e* Some products not "table In IN shies. Restrictive; ap*. m 2091 Capital One Services, Inc. Capital One Is a fedmolly registered service mark. All rights reserved Certain conditions may apply. This otter Is nontransferable. lf approved you may be charged a documentation toe of up to $49 or the maximum amDam allowed by law, wNrJsver is less, as well as any olllolel state fees. AN fees will be added to the ban mount. Mininsrm mom* Income of $1,2M is regirod. A minimum batsrice W 55,000 and a mnximum ed24 rrardha remaining on the tens of to exiting ben are required. Your credit bureau report must show al least 6 months of moo payment history an the existing ben. The vddde mist be currently insured. You must be at realer 18 yeas of age. Applicants; must have a valid street address within the United Siaees at the 11me of Application. APO, FPO and P.O. Box addresses are not eligible for this offer. Von!* must be owned and maintained in the United Sims. This offer is not Yoko in U.S. dependent tonibides. This Wier Is not valid for refinancing current Capita One auto bans. 'Please be aware that lf you come* have a baboon ban or are sub)ed to prepayment pena8iec, your new payment amount may not be has. AddB Why, H is Capital One poky to refinance loans in 6inomh-term increments. In some cows, this may increase the term of your ban and reduce the amourd d your mouthy payments. The SM reduction In car paymass shad in our offer is, therefore, perkier, sOnwwhat higher than the amount an averege customer may am in go absence of our extension poBCy. All financing is provided by Capital Date Bank (Capital One) or Capital One, F.S.B., and is serviced by Capitol One Auto Finance, Inc. Capital One Auto Rrance, Inc., is a member of the Capital One RrarneW Corporation h unity of companies. O •RaBrancing or taking out a home equity fine of credit may inm m the total number of monthly payments and the total amount paid when comparing to FULL SPECTRUM' your content situation. 10 Equal Housing Leader. 0 2002 Full Spectrum Lending, Inc. and Counbywide Home Loans, Ina Tradelservice marks are the property of Countrywide ,ha.rarmrsraa.y t . • . , . Credit Industries, his., arlNa Its subsidiaries. Arizona Mortgage Banker License Number BK18763; Licensed by the Departments of Corporations under the CaMama Residential Mortgage Lending Ad; Georgia Residents! Mortgage Licensee. 1950 Spectrum Chile, MW, Marift BA 30067; Illinois Residential Mortgage Licenses, 8B3g-A South Ciceo Avenue. Oak Lawn, IL 80453; MeesadiuaeHS Mortgage Lender Lkese No ML 1459; New Hampshire Morgage Bandar License No. 5346-AB: Lwow Mortgage Brim - NJ Department of Banking. 275 Route 22 East M Springfield. NJ 07081: Licensed Morgags Banker - NYS Benlmg Departnned 118.23 Daeens Boulevard. Forest Hills, New York 11375; L.ioereed Mo tgoge Banter- Penmylvenin Department of Banking: Rhode Island Leaden License. This if not an offer to enter aft an remark rate looMn agreement under Minnesota Law (02A0). Capkhl One Is not ofMimd with FUN Spectrum will Courdrywidee Home Loans, and Ful Spectrum is solely responsible for an services provoked. By responding to this offer, you may be conmur arag Information about yourself to Nil Spectrum Lending, Inc., witch provides this product-for example, that you are a Caplbl One customer. Capital One does nut provide, leg* endorse or guarantee any product or service shown here. None of the products or services shown tore are either FDIC Insured or bank guaranteed. Restrictions apply. This is not a commilmm to lend. F 8 O O N You wile hays a mink rm an menu tderN an maw amoiYrc, Wth the Important Natia ft, payinmas bad-, anti in time fix It W be credited by your meat merriment d y d N i am- m. n addVan?tlais is grMx period on any irrmdllan if You do not pay the total New boMM .' b. Ammons FMae Charge. TwwwtWw which an not wallet w a craw padod am ammo Mww7 dwrge 11 bon sw dW of the Irarrae:awr er 21 hoe eau ism dw transaction is pro to your a or 3) for the del not day of t the Mu arred wa be parlml. AdrA , sea you colander It pay the 'New Matieca, " chrism from et polmis blo yng not es asap padd In d fide Nap carps wmkue to aid In In to you upaN balance was the uhWM nebalm= I. err charges, paid fill. This meth d an you may M ewe Np on o from even if you Pay the more Nov Indicated eNap tad an to fide of dement by row now net de r Mc 1m dew, bu del the net for o vw appnpwYfaaaslsm sets I. IA Unof aid your Nap untryea f c. &Udrwte grace arrp. For each MM Period that yahr ateaws Is argera to a tfrhaha ctnge, a mbamun tdtst RNANCE Eel sO.50 we be fnpaad. if the toil Nwp dupe ft- t has sooaced on of your peauc astals) m t ea le Is roan Mnl are, and wIX tf. Mat arnaram t 110.60 nhksrhea e trio the desrars will be font dead b the pfedsr M Ymra aesun. td. Tempway rlduim In 0W Ws rrerva ft right to not mm any or as time charges for my given 2. A bevwasabp 8 gYwm Il I I - New pockmark. a. Fbroe dap M WaawM by mUgpfykp are daily balance of each sagmert of ym accomt (e.g., cash advarhPR, pudur, wadel trawler, ad opeda1=1 by the cur wimmlrp dally pododc web) thin y dasoaN to you. At the and of each doV dubk0 the hNnp palod, vw NOY the deny periodic mw for esch aaQaalm of your arena[ to to diy balance of each rowb?of dwes 6l l ? r arat *0 catar ?pto gperiod. we ain at Yo?w t0 the periodic firasrlca donor for aKh a 9 . We add up the reallf town each sagnhem to arrive M the total pabdc tkamce cape IN yar apart. To eat xis defy botany for sod, aslanam of YMrr acomt, ova aim the beelMng day's balaoa for to "pawn. we Man a aware arty paymema or rmadin pasted a of tart day that are allocated u thw rpnatt. This olvas rs the NRIM daily balance for each so - of your ars=-:_.:M If you pact the N- Balance sham an You t n M (or H You raw balance was zaa in a watt anwart, new irarwaetlan which Par W you purchase or special purdah tagstaas an not added b the daily balancers. We ralnAna the averap daily balance by adding d the dopy bbfine member and dNdm Or nun by the number of aalan0e M Mm aapwe Nm rY, into any new nt. tr to each no as , And warms my pe or or credits. ill the fade N sppoan an the tern of tat museum: roe to 'Are, . , Applied To: We too ¦blracr any unpaid So- charge Included I. the balm- of each .) Teas a- u the daily balarhca of each , -e add each p«upiod'pthe iid is by n:ow m number of days in she billg peAOd. This ghvas us the ateap duty balarp of arced seprwt. 3. A11rr M..ap Ram IAFRL a. The ter 'Arwd Paewnp m Rste' " appear as APR' on b nom of tts stwaneni. b. if he cods P IPMns), L (3- 1.180111, C (CmdoC.ate of Dopcom, or S 19arar4rd Pew) appears on the from of this swan mwt rim to dm periodic, Notal. tie dodl, ,area and 4neapadna ANNUAL PEACWAS MATES may vary tps=07L may Iraosre M datmwe based art the auwd Iwad kit he Waw SaaM Jouhel plus be margin aavlasly drJosW to yet Thin .=4 M m thw Saw day of your bntlwbp wha p ?Yy ?M?atwasm And" Mondw ber. c. If the cods D ?AatN, 4W, ?Dm M 0 (3yrho. LIBOR Repriced fAOnei1) apW?m on the Odra of your padodc ratea sbtannara nut to 0. perbdc A"(.), the and can?niq ANNUAL PERCMTAGE RATEdt may, vaIV tnwNy and mry kroa M dsewan Wsetl on the thew area previously Ndsdoasd to You on carter Wit be afisdtive on the Nst day at your bag period each morse, 6. Aasasat of Las, Ovarloi And ROW" pryersrt FNS. Your a CMnt ova be ---it he mow then two of the far noted here that torn dubrp any being period. Under the toms of You oaten, agreement we memne fits Asia to weirs w not to raeaa any fm whims prim roda4lran to oldns wstvinp cur 69M to areas f curs or akrdar a a her time. 5. ft ANma. N a membership you tee on he from from this remove, N ve, wA, Toe hew 30 days deya irem the dale this sta[mwm was naiad re yng to atoW Wyinl this fir a re i 1r lots Nish M t:nsd[ad to you I1 you carrot your acowat. i peAod, you m.y cerwkare re fee fair. To cancel s you acoaam ut account y m poly the noti 4lkp our aM Nali Dim. and Wy yos Nsw Balerp' n fie btaihrdr 'now nrsnlbaaxp bq prier to the will or the Wfty-0ay, period. 6. x rut CJSSe your Aoomd. You cat impose re dose y?wwr aewrt by client our C stem Raletlan uepaMwe. You mum destroy yous taw candle) and aceou i afpr docks, caned all prouwwrked being. "= accouter H you do anal teal pies, , ad ansngMraaea, ova wan sander raeupa of • charge you ehmstzaam or mopes your until you PRY AN amounts Your you mane In 6r be rg closed transaction You have ntlrorizsd, frawals, charges, per des fen, overall a that, am PNVMWS too, "on advance tm road ary other ire asserted to Your sccousa. You an wapar ,, for then amain or*" r dry Boom on We atom[ an the tin you impose to dm are occount or day, am Incurred subsequent to Yee ragnaot re does the accwat. TNs way aria in charges appeasg an Your accom after you bets N Wu ocomurd SW ;wtw? te r from a me ? ichsnr For example, receive the trswaetion from the Merchant alh r Your acmad has barn picked, Your M can We be reported, the amore M btlsnpe we lea added m ym aCCalam, an You rvw be reaper dbla for peynum. n ewe Its mambarstip in IN your account, the tae We continue o WWu Anht e baentanrWa t -NkfimMd1 broutmb the, 7. Uaky Yeur Aatwam.Vow dad or accohra nrrho be aced n carnactfon wets ary mama pamoarq 8. tr Nde Abdtarul ouba AaChat Conversion, U MUm AWhen you mirm AM payment, YOU sa M anher re prop In • died re nreeaatm lomam yout ywr docks Your aaka • onetime M filed transfer t from you loan account in to pr when t pro saeo tAa pwaYm we to • knack transaction. . ova m hhbmatlm foam your clods ro nab an a.trW- hard transfer. bon i ba wandravnt ft- V. to account N scan ea the Nww day Wes recalre Your M receive yaw check back from BILLING RIGHTS SUMMITRY Iln Cue Of Errors Or 0kwabs About Your Sill) If you Mies Yon M_ M wwp, a if =; eed more imonrhn)on m• isn a loll, to its m a separm shear as loan as possible at lea addwe fw kwaidea shmut an the hoe of this statNwt We must hear from you no istw then 80 Wyyee for rte are New 111e first bell on which the nor or prsbbn appalled. Yar can call mar Customer 11slodons mother, but doing so rot not ni firmatrorx your mane and accme mentor, the dollar emN% M tie luapadW error, a dmdpdm of the error and an stplaaewc N ponds, of whV you below there Is on sour; M it you need mess information. a doarlplfon of the Iran you an unsure about. You do rot hoe to pay any .-aunt in gsadm whlo Wes as nheatpatYq It, but you am lea re PRy tie tans M your htllaa as cue not n gmoon You You , an classroom ova invrope or pur ¢wt c lo 4nek take arty action to o eaalec the amount you question. t,t Special Rule For Credit Card Purchases if you true a prcblam with are gsnty of property a NrAM eau you puchand wth a cm & 4m and You here tried in good filth to card are problem whlh the merchant, you nay how the ripe am to pay the mmakYng amount dun an the properly in eaMer. You hers thin protection i no the whin Are purchase ante wr more than he pudow WN made in yam her stab w within I Do men of your me" addr 01 or own or operate the roardwq, or H Wes mated you the advert mwm IN the property m fe ftste all pndrone Pleaes raneM P=qp N!mtatreap lhdel?la of Puchase.) t Does not apply r caeamer - -cnaa card acaouda t Dome rof apply to bushrN no-radX card -marts On supports nfimnaticn privacy protection: re tear at -ca core. One Is ¦ riY wyatand earvia mark of Capitol ahcist Grporatan. All dyes reserved. a 2003 One 01 LGLBAK every awe am by the number of days in row bang pe Min to mumkV an a daily bids, them may be a Amara ddeis ually, asmwd band the amour of b. N the code or N apprre an do how of ft. satanem her to 11aiace Pleb Applied To; we nu"phy is 59001S Importsert 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 portal 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. 012 Take control of your finances with Capital One: Reduce your car payments by refinancing. Ever wonder where you'll get the money for next month's bills? One simple solution is refinancing A your car with Capital One Auto Finance!" We've helped our customers decrease their car payments, on average, $45 per month or $550 per year. So let us help you- -4 Reduce your monthly car payments! -+ Increase your monthly cash flow! „ 31112112- -+ Take advantage of low interest rates! Why settle for higher monthly car payments? Call us toll free at 1-877-711 LACE (1-877-717.5223) and refinance your auto loan today! Please mention offer number o23$g. :plft'owa Let your home open the door to cash. ?? ?,? At Full Spectrum" Lending, we specialize in ' helping homeowners with less-than-perfect i credit. Our refinancing solutions may reduce your mortgage payments: add cash to your " wallet or loth! We can help homeowners- 4 Got cash to consolidate debt! -4 Reduce mortgage payments! FULL SPECTRUM' -4 Enjoy extra cash! ea...rro. "-* L ...... We believe your future is more important than your past Take advantage of today's low interest rates. Call us toll free at 1-800-726-0198 and speak with a loan specialist today! oil-0102 VISA ACCOUNT DEC 04, 2001- JAN 03, 2002 4121-7414-5984-4051 Page 1 of 1 Account Samaury Payments, Credits and Adjuts meals Previous Balance $931.65 1 14 DEC DIRECT DEBIT PAYMENT $40.00- Psyments, Credits and Adjustments $90.00 2 03 JAN PAST DUE FEE CREDIT 25.00- Transactions $56.32 3 03 JAN OVERLIMIT FEE CREDIT 25.00- Finance Charges $16.85 Your scheduled payment has not been received. Please remit the amount due appearing on this statement If New Balance $914.62 you have already made your payment, please accept our thanks Minimum Amount Due $714.82 Payment Due Date February 02, 20a2 Transactions Total Credit Line $200 4 04 DEC OVERLIMIT FEE $25.00 Total Available Credit $.00 5 03 JAN PAST DUE FEE 25.00 Credit Line for Cash $200 6 03 JAN PAYMENT PROTECTION 1-888-527-6904 6.32 Available Credit for Cash $.00 At your service To aB Cutuoma Rdatims or to report a tort w stolen and 1-800-262-1493 For five on ice account temoe and epedd outomes off-, log on to: -.apitvlo corn Sad pgmmo to Send inquisis to: Arm Ronihma Prorating Caput One Savior Caput One Seniea P.O. Boa 85347 P.O. Boo 85015 Richmond, VA 23276 Riduoond, VA 23285-5015 513945 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed to your Capital One credit cad based on your month-ending account balance. If you haw any questions, please all the customer service number listed above in the traometions section of ymr statement We understand that sometimes it may be d'ifliat to pay your bill on time. That's why we've waived past due or overfunk fees for this billing period in order to help you return your account to good standing filter. With our fee waiver program, mum of your payment will be applied to your Wbtimding Wance thereby reducing the amount you owe more quickly. Financie cages will continue to apply to your account, so it's mill in your best interest to make the largest payment possible. This waiver is for this billing period only. F`mance Charges XiaseJer revernsidefer important iafW W" diaa B.fetr pkr`re & C-=*, w .ptlvJto dPPRR l:t1AK PURCHASES $937.75 .05795%? ZL15% $16.85 CASH 6.00 .05795%P 21.15% $.0D ANNUAL PERCENTAGE RATE applwd this period 21.15% PLEASE RETURN PORTION BELOW WITH PAYMENT. :aPftW0W* 0000000 0 4121741459844051 03 0914820040000714826 New Balance $914.82 Pk-priat.,96-d gcrhi-miVR-orR.Awk Minimum Amount Due $714.82 Suet Apr. # Payment Due Done February 02, 2002 ctr Seer 21P Total enclosed f xoa. Pun. aware Phne< era! #9000493423652229# MAIL ID NUMBER Capital One Bank uuuuuu REBECCA J CLAIR P.O. Box 85147 a ? 18 N FRONT ST Richmond, VA 23276 ti LEMOYNE PA 17043-1327 wll I6tlhnIIni??uu??uu??uu??ui??nt? ° III 1111411111111111111111Is II1111111111l11uttloll 116drtt161 Pkwe recite your auoant number on your check or money order madrpayable to Capital One Bank sad mail in the enrlared envelope Some products not "is* in an stabs. Restrictions; apply. ® 2002 Capihal One Services, Inc. Capital One is a federally registered service mark AB right reserved. Certain conditions may apply. This over Is nontransferable. K approved, you may be changed a documadalion in of up to $49 or the mabmum Amount showed by taw, whichever is less, as well as any oftial state fees. An fees will be added to the loan amount. Minimum monthly income of $12M is rerpdred. A minimum balance of $5,000 and a minimum of 24 maths remaining on the term of the adsft keen are rawleed. Your credit bureau report must show at No 6 months of current payment history on the exhaling loon. The vehicle must be cumemy insured. You must be at Most 18 years of age. Applicants must have a valid street address within the United States a the tine of application. APO, FPO and P.O. Boot addresses are not eligible for this offer. Vehicle must be owned and maintained in the United States. This offer is not valid In U.S. dependent territories. This offer is rot valid for refinancing current Capital One auto bans. 'Plea be aware that N you currently hive a balloon ban or are subject to prepayment penalties, your new, payment amount may not be lees. Addlienay, it is Capita One poney to refinance loans In 6-month-term increments. In some caM this may increase the term of your loan and reduce the amount of your monthly payments. The $550 reduction in ar payments sated in our offer Is, therefore, generally somewhat higher than the amount an average customer may save In lie absence of our extension policy. All financing is provided by Capita One Bank or Capital One, F.S.B., (Capital One) and is serviced by Capita One Auto Rnance, Inc. 'Refinancing or taking out a home equity One of credit may increase the total number of monthly payments and the total amount paid when comparing to FULL SPECTRUM' yourcufremathafion. ???? t ... .. Q Equal Housing Leader O 2002 Full Spectrum Lading, Inc. and Countrywide Home Loans, Inc. Trade/servbe marks am the property of Countrywice Credit Industries, Inc, and/or its subsidiaries. Arizona Mortgage Banker Lisa Number 6X18753; Licensed by the Dspetmem of Corporations under the CAnfania Residerrtpl Mortgage Lending Act George Reeldemsl Mortgage Licensee. 1950 Spectrum Chet, MCC, Marift GA 30067; IINos Resltlemfal Mortgage Licenses, U30-A South Cicero Avenue, Oak Lean, IL 60453; Massaiesetls Mor" Lander I No. ML 1459; Nsw Hampshire Mortgage Banker License No. 5346-MB; Licensed Motional Banker - NJ Department of Bari ft, 275 Roo 22 East ISE, SprWol0, NJ 07081; Lkased Mortgage Banker - NYS Banking Deparhrem,118.23 Guess Boulevard, Forest Hills, Now York 11375; Licauatl Mortgage Banker - Pennsylvania Department of Banking; Rhode Island Lender's License. This Is not an offer to enter Into an items rate bdt-n agreement under Minnesota Law (02ND). CWW One is not aflOiated with Full Spectrum and CountrywklN Hone Loans, and Full Spectrum is Soby responsible for all services provided. By responding to this other, you may be communicating krtormalon about yourseff to Full Spectrum Lending, Inc., wMrh provides this product-tor example, that you are a Capin One customs. Capital One does not provide, legally endorse or guarawn any product or service shown hem. None of the products or services shown hem are either FDIC insured or bank guaranteed. Restrictions apply. This i not a oDmmNm d to lend. 1!? )I8? a?a I!? 8 0 ¢0 m O N ta. arwx Palad. You elk taw -a minkrem irate Period of == Madwae m row purdraax, new yp tore, WKW padrax and rww 01hW eeoonipff you idarnoe Wdr the your iporWool . 140. tant Notice pop aw s below, and in time for it to be cwdtad by year wxt aaremont data.. There 1. no al tmabrs. M aadatm to le Cash madwricas oe peeled a pipad on any transaction if you do not p.y tr taul Nov? balance.' b. Aessiq Freon Chase. Trahwalow anion am not fi?tMtidata¢oficad ?twraWonff a ? fian tlrtlr GM Mel transaction is processed to your Account or 3) from to Ina calendar day M Uho board bairq paled AtlddmaRy, If you mad not pay tr'Naw Balanhw' ham t10 praviws bMV pwod In fro, Amalie came rneeom to atrsre to your uqW balance u dl that u mold balance 1. paid In U. Thh mvu to You smY ate owe Arn.we ch m. even if y.o pay 010 smelt New BWrna kdeaad on the hat of Veu statamam by tit rrna waamnant doing tae. iota did not do w for to psehfas medtl Upaid Arnanoa charges Acceuol am added to that aagnmem of your t c. Mikado, For each dw wo to mtM FINANCE t7MACiE of ?0.so WAS be?hmpwW. t me total Ananx drrP from the of Your periodic tatats) is Mn ten e0, won wMract mar amount than the $0.50 minimum and to elf emmat will be e deed to the pudrse sepnaw M your "count. t d. Twrpaay Rodiroase n FYrrr amore..ryrright the d w net soon any or all trance chse for any given 2. eAv aVar ?me Y ?yaq ednad SY wdtlp dn°I.daay . Fit we one balance M wit wtamws ot van secant la.a. Cash periodic rite. To obtain to average daily balance for the w, we to to each lane W aepntraareaprwMeadr day. add a?nnyarnvesw or credits. 1 aw code N ipDaais ew tram of 0 statement roll to'6Wnw Rae Apptn To; we Mao wbtma art' "paid fir- dr- Included in the balers of with sopment.) This gives in the duty balarncs M ach sopment. I rem, wo add Lip all balances lot for the West, period ? aN by 0 xdr msebar of days In the berg pedod. This yes w tr Nw rlWy bW me of satin segeas. 3. AtaaM Pan fAPRL a. The term 'j%nual Pwcwpap Ras' may appear as APii' on the ham M Wes stawnrd. b. H to code P Fdow), L (3.x e. UWR, C rCerdecm of Dep (Bonloond Pax) appears on We tsomr of Oft Mahoment - Me V* tax and cerr?p op ANNUAL PERCENTAGE PATES may wry queMdy and may noxx a daersxe bexd on to vaned ndices, as trod n TM Mbe Sexf JocvmaL Pkrs 1110 margin prav4o mly dodised to you. Those ptlMwbgtlx will tea NlaCtw on is And day of your rkde Statement math Jwury?gYOacber.nP c. It is code D gdanM, F 11== or 0 (3-. LIBOR Rsprion L=I appeam on tr from of you "an" mina m t e Palodc mte1M, 7M ==Y and eare?a?op ANNUAL PERCENTAGE nd may knmax or da:m we based on the stared trhdou, x food n 7M We# S~ Jasxl, PIw the margin poevlowly disclosed to you. These lunges WE be .Nsotve on the first day of Vow being period each mondi, 4. Asonmm t of Lam, Overseas and R.s.nod Paywoat Feet. Your account wit be @memo no mom tan two of tit fees aimed have to ocotr during wry benng period Under to tams to Your about agrasmert, cote ownee tar rigs to waive or not to asesw any tows v""ea prior nutAcadon to you ethae welvng our rigs to awes the - or similar law dada 5. a •Year Mfaut. If a membsift V fees days on he from is this atawa, Yalu how 30 avoi from the the e fee this or to o sumenwit Mw " such e mated to you to avid paying is dd to tyo you if you th once ti Your account. Duke ids s p periood, you may hanndew r to hi won you oco V ff having t. y p tit noym by In. M yore acc o cur Cr Cu account. to vuweu into notify w by case aemrer Fallirtions Daprmad cod Pay Wu N.w Balm' n frM o iadomidudnp tr m.ear Cb tend so m tit and to tsYdry period. N Year Cleae Your Aeswat. You tan report to dose Zamour by calk" our (>tacow Minton mass. You eat destroy your crad camas) and accost access d10cla, cancel sit ttseu11ndzad Mang, and asase aecan. tt you da not Card:N prswMeriaw/ omnpwnwx, w• won carrider yyowurr rsoeipe or a charge yoar outMri2,ton to mapwidosed account. AMMe ally, Vour arsohn won not be urd You Pay N WhOAM You owe w nddate any tarouctor yse Mw Nutlrrizod frheoa elution, pea dw M, owriMt tsx, rsturaed WMmam tees, cash aMana fax ad ary alrr fax aasesead to yar whatrr aeeotap in terse a . Yalu an napaedtlf You rinium to dew she account or tiny amalr roW sa?ee w You request to tow tr otxarad. THo wY mail I. duns "T-*n on your ocean Ntmr you Mw If? you accotme authorized ppud? hobeen closed. For w, rcho ww and mom. roost" to transaction from the insrdwrt offer Yout SOW" Ira been tioesd, your account wit be reoPemed, taw snout st 11I. rJrtp won bs added to year Nccemt, and yso we ba nor paymet. If tars M a membership fee for vow aecourt. 11e fee wen rmmhos to be to to extent pmsttod by law, untie to acrahatm -hit bear paid n fun ate I I above. 7. = year Aeretyow card or acres cannot be In mraacden with any ktemat aamhkrq a Ntka . rca b About ®xbeMc Book Conversion. when voo provide a tack as poymom, you autMdzv w sgher to won imoxsam fiat your otnaclt to monks a one-time electronic hid trawler soon ym bete, account or to prooxa the paymet as a deck transaction. Mott wo won khbrmatm tram your deck to rooks an alecrw I ftind ttwhslar, iwhb may be whhmrawn from you bwhk aecoue x soon x that were, day w, roceiw your plymsnt, and you wit nor receive your deck back from your Arnerndal institution. BILLING RIGHTS SUMMARY (In Gw Of E oto Or Questions Mat Your 811) If you Link your be Is wrong, or It you need mss nfonwtlan on • trrewcaon or be, wrdoe m ve on a "Raft drat as soon es postase M tit __ tor nod" ahoww on the hat M fe statement. W. mad hut from you no Ister than 80 data after we sea you the Aw dip on Mich the enmr or problem appenrsd. You can ppcarpll sow Catowmw Paladin; member, but done so wall r not ktainarvfloc Jour rights. In ame your aclater, count ynumber, to dollaarr amawt of the respected amt, . description of the error and an a pastan, If poaaal=no bole " Own la on over;, or If you need more dsoctgion of that her, you am arum, abort. You do not have to pay any anhaas In question what cos am nheetpstNh i it, bra yw am .W .banned to Pay to Pans of you iota Ott ae not n gwstat While wr invxtldala yon pxwn, w, ctorit rspm t V you x ghrsetan. dation a lMm .lily aetlen m esllset amen er t,t Special Wile For Credit Card Purchases you Mw a prahlen with the ghastly M property or If esrviw to you puwonxad with a cedit cam and ym M" tried in good torah to cornea the problem with tit .-Ch K, yes may Mw is rigs not to Pay the ismairinrp amount dm on Or pmpany or swvfep. You how tb protection only whom the ptochm MIca woo mwe tun 050.00 and the purdwee won made n your Noma atae o whhin I OD all" M your maalnp adlmw. Of ere own or mm the pn or opNancoy you t advdva for or wi, ea Dmdeses arc cohasd epode' of axut or loutlan M pundux.) Plea" ramambat ta Nph N correaporndwna. t Does not apply to consumer r-cre.w cad ottauxs t Does nit apply to butlmse nonarafit card occomb One wwpens tnforealm privacy recrerrin: tax - .nice mark of Capitol moorvad. a 2003 01 LOLBAK tx baste Period, Mm apply 1110 daiy Peadn rite a each apphpnt of Your account to the daily balance of each at to and all do dr ixWU7d t10se ddyy calculations to arrive at Welted rA periodic Stone tangs for each a, a , We eM dip tit issues, here each aaa to am" st Uw total periodic Anarrce charge for yon amsus. To list br diey? bal.rnce for each fegreare of your nmaed, Mva take to Oegllwlg ance of - a.iM ahy rrer here ht on the the (con. St a previfns ahtnect any day be fe sat e d aas of Owt t We Wa that a m a o than fi Owned segnnert. This i w aapdoon@ duty balahee for each sepxrs of your aCahnlL Florrsrn, if you the New Balannce shout on Yaw pnavias a tadmnt in (or If your new balance was zero or a sett snood), xw trax.sa10 vA*M poor to yaw ptacluse a special pirchose fag avmig darot added to y balance byres all balances. We cdcub o the belonciat enMln,r and dvidrig Uta wen by tie nrnbw of the day. I. to mars bang cyder. To colel.te you total crane tarps, noubdoy You average dally balance the duty Me ad by too member at days In ON Kling panto rounding on a dally, beds, thato may be a Sna wwArro!g ocaaffy, r between Vils a calculation and to wnan m b. If to coded Z or N appears w the from of this otoranat rem to *so nco Am Amami To: cote aeltdv Una 513945 Important Notyce: 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. cw 002 • 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 loW Account Previous Balance $914.82 Payments, Credos and Adjustments $50.00 Transactions $56.14 Finance Charges S.00 VISA ACCOUNT 4121-7414-5984-4051 JAN 04 - FEB 03, 2002 Page 1 of 1 Payments, Credits and Adjustments 1 30 JAN PAYMENT RECEIVED - THANK YOU $50.00- Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If you have already trade your payment, Please accept our thanks New Balance $920.96 Transactions Minimum Amount Due Payment Due Date $720.96 March 02, 2002 2 04 JAN OVERLIMIT FEE $25.00 3 03 FEB PAST DUE FEE 25.00 Total Credit Line $200 4 03 FEB PAYMENT PROTECTION 1-888-527-6904 6.14 Total Available Credit $.00 Credit Line for Cash $200 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed Available Credit for Cash Loo to your Capital One credit cord based on your month-ending account bahure. If yon have any queaions, please call the customer service number listed above in the transactions section of your statemeaL At your service To 00 Customer Relations w to report a lost a stolen and 1-800-262-1493 For fine online acmmrt metvice and spe id aKOmer offer, b8 oar to: -capitdooe - Send Payment to: Said in* iris to: Atm: Reouance Processing Capital One Semas Card One Seri.. P.O. Bas 85147 P.O. Boa BS015 Richmond, VA 23276 Rkhmend, VA 23285-5015 F-mamceCharges Pkiuerxretnse.rim& for importantiajrnwtiar ara,a are Pe. o& CF1AR ,rrridm ,r. PURCHASES t93L7S .00000% .00% $.00 CASH $.0o .00000% .00% BOO ANNUAL PERCENTAGE RATE applied this period 0.00% 51088S PLEASE RETURN PORTION BELOW WITH PAYMENT. V One, 0000000 0 4121741459844051 03 0920960050000720965 New Balm ma $920.96 Minimum Amount Due $720.96 Payment Due Date March 02, 2002 Total enclosed $ 1 Sneer Apr aty Sae ZIP Home Prone Al- Ph.. #9003493423652226# MAIL ID NUMBER Capital One Bank "as"ass REBECCA J CLAIR P.O. Box 85147 m 18 N FRONT ST m Richmond, VA 23276 LEMOYNE PA 17043-1327 lmilli ila1ltllurlr1lgill rrllusl6ullu111Mihm,ll,,,l Irrmlllttrl0tmmmLtL,IlrrerlLdlrrrl,ILrrLrtllLJerrllrl Pkase %wde yore aavant naneber on ywc rhed or money ceder made payable to Capital One Bank sad mail in the enrtared entdopt P1,-pon alsira drgn klow rosYbh, wblad vIL F i ss>i a>_ as1? 8 O e' 0 p N t ¦. a- ParIM. You vA hew • .k*.- ar•c* pedod of 26 days'A tm Imece of - on over purdwn, row b.l. tranmro, nave ¦pHi¦1 wrdmoee Hd new otlrr drnass If you MY You• tad 'nave eamrce', e Noticis for you nxi?art? below, ims and in tims for ein moW crodtrsd M dssinrp doe. Them Is n 0tan peeled an nth advrcss and spode 1nrWea In oddidm, them in n gone penbrl an eery ttansscdar if VW do not pay the tea now b. A lasso 9 hyrrete. Opp. Trarr.ctlar wNM am nrot Fuhleet m a pane pedal are FaF¦FFFd errarrn drrpc 11 flan tcd dm of dot treeaeem 2) flan dos Gm the trrraedn Is pntewnd m yea A eeaad or 31 from the err ea1eW r day of tba aurae Meirp p.dod Adddaufy, it_y?u did nr pay fba 'Nave Babas' 1no111 er paraom own0 peeled h hdi, assets drarpes tataY¦e in aanr in youf tsupaW Orrnn eatil the unpaid belles. In paid in full. Thin msara Iran you near ri awe enern Charon, frI n If you pay tba Scotia New Balance hdnted at the from of War watwnee by d. coma rrHn== s, bee did not do r fa to p?mpaNUarWmath. raes alWdrar? peeve Orme.. per eaM 1 pa=.d yea feceut M aNmt m a enmee dory., a rriMiYm.n inpwed. If fine foul RW1NCf CIM f of at1.60 wN or raid ilwcs dupe enders ire 1M appkcatlon of you pedoAC amts) a mss ttrn }0.60, we wA w6aact tier antrum hoer One .0.60 rrtianran end dne dNssrce will be OMd m the padr.w n?rrrrt of yen stxrarnt. t d TaeprHy ltadarir m Nrw Or.ge. We meow the dyM m rot anew eery « ar assesses oh.roes for any dwn fhe burp padod, m apply the dhelyyperiodic one for each .o1Thwvmff is i as tis, will of to. geed " edd alp dos rawdm of dtase did nlab«r m erW et =J= wee the at the r yap acconr. To set t1e dNyy balance ar sent qrs o your meas. we tab se naroep bslanun for esM eeP+r.rt era add eery new trarsactian tba peMae and wry periodic fireMtupnrs ss dar0• of We Van rf day tldm a b e day's be(r or afdiu o br tlot es aery p.ym.rnm pootW dro rkraw m tine sepnrsnt. The pinto r ttrf sepFrm dsey baron for tent ••ilr••r• of roar aeeanl. ilorrewr, n you dal New Branres pawn m your proaiae rrFrrtrs (« ii yap new bserco ores zee or • esedit smours). Favor trrraeaon wHM past m you Pusdaes « redo tIa narapea tlMy balarrn EY •?n0 M dr• ICY We cdckdm brarces taoeerr send drlQra the non by the rembar of the dew M dal raaram erMe cods. To fatale van total y d?ia?omye?w'? m a daIIY baala, tlt«e may ba a ai. ralalnion arrtl tba fmonem r treraetlon m aaNot aoprw?n maid ¦Wtr¦d ny"Ipyniems sl ow m. (n sea code N grpsom an tlm Imrn of this rstsrttam nun m'aelrrm Rote AppeM To: we elm arMrad atry utpeid frtarnet tarrga irdlydad h h balrce r uN was t.) Tms dwo w the Orly baleen of sent own bm?W Worded Hd arF rate, number doss Eaters of esdr rpnem. ?? the 3. Assaf Mtn IANIL a. The t.es 'Ae¦wW PHCHeap Rm' try appear a 'APR' an the km of dds statmnm. b. If tls coda P IPdnral, L (3-rno. UBOR1, C ICHtiecam of OsP.e10, a S IBar*cwd PI appesm mtin front or Vm rrerrnert coos m the padodic ramI tba edodk was and c,onmardi g AMaML P6iCMA01 RTES may wry grermdy ad may icrsne a beroaw bend on the stated hrdiees, as foua In eke Wes Seer .NvnFt Plus tba ew?n owNaMY Aerond Lo You Thane wN ba oimetlro m Or fkr do o+ you bMkq eowrW M Yeua fed•dic susareea errdirq the ,A baryn p ? yyd foe e"I's trr¦ atwtp¦¦ le ? rst rM math. Y Wort birp peeled 4. A.--* of Leh, Orre6.k and RFharred payment Foss. You accotn wA be sawmill no more than feo of the nos 66Wno peeled. lhndar tba law lam that seas d si a sny, tams o yap nwannar we rsrrs tla dpt to wNw a not m over myM wines aloe notl6esdar a Wdran vrelano art do m ae.ass dot wa a Fender H ¦ bar deco. 6. rye Aessae. If a mon"ni ip Ise ¦WF¦a on dot from Of Ws fr¦temae, Wa hard 30 deq lraen iba dry this Ralerrrene ores ma9ed m Wu m awdd pFyhtp tba M a to hoes ¦rJn M erfdted to you if you terrnl War accwt. Ouinp ads prlod, yw rosy camera m IM Your seea¦a wlrhad IaNng m pay tee rnssrbarib ls& To cancel your socialist. vou am if Y- Cron Y4. Aeswam. rou eel m don yyoaeu eeeorart by . as Crrraner Rsetlars OaPOme sm. You nest dmuoy your ends cied(a) Feel acciers access dreals; rental ail pass ealrehed bebop, arrd cess i tsiq your sornran. If you do not eanad pe.Wad=W b6linp amrpmwn. .m wA eardar rewpt o a dace You anrstodzadan m yap steams. Addaonsly, Your account wA rot bs C= mN yw par as snou=74=074. oarres, You fe . Minimal adwrtr roes es sd any adw +w esrrd dal fees, am,t mss, feed p.ymaot toes, cFM to yap secant. Yw Fro naFpaeae f« tleaa a¦rours rdtedear ddoom the aemamH they amminoamd wMu}sit?m m war miser to doss the aocort. The may r¦smt to War .rxcrrm it n hoes rmay b.r eda¦ed Fw Htarrpm, M Y•a aWeread a wrdr.r hem . medrm and .,. ner{as iba tlereeetien +rara tlr meldrea FfiH ywr aeearae Tres boon cloea4 Y•rr ¦eCa¦e wa ba raapaensd, tba moue r 1h drurp1?e?wA ba m yea .sa+d, fro wA be . aeata ar payment. If flare Is . conlinul, . in m eww pomrlaW by ,vial the account biwce ba ism pNd in full p deMW abate. 7. Ilaiv reu Mowd.ras cord or aowue cannot be e comrcdm wdm ony hesnrst emr6M" re tranr.tron. 8. lamb. Abou ==,= Drot+df o Men amw to ales irdoare.tlon lase. yota Ntmk m co=ins ¦ err-time .Nenaie bad tranW fran Yorr beetle account or Is pexass IIr paymam es ¦ dtad[ tronaalat. When we cos Inbrmadon loom you Bret m etelu m emotmrdc fuel tml r, " ttoyba ss wWrrawn few You bard[ aeeorFt as n s foal es area day wa native Yea ==`n.'. nd you ralil not crw your chock back hen l irrde¦ian. BILUNO RNN TS BUbWARY On Cese Of Errom Or Canadian About You 1181) n hotr think Yer? ba V wary, H N You nod moo irdomatlm on s ine..-a a bill, woe to u m a npofam ah¦r as son n poaaae at to address for =dss shown on the ham or this sammam. We newt Isar hen You 0leer.ran e0 d?ya atw m sot yw fba art ea oo zn. the Hror a prablan appeared You can rail off Qrremer Rrrbrw nunbar, but d•eril r wA not alp ae Wort rlpMs• In Yart I•t , ss doe fall•wirrp Ysarearrrnratdof t ewapsosd *m, a essedglon of the amp dine an elalan im, N Oosehble, of %shy you bailout them Is an error. H If you mead tape ¦ dssMpticn of the has ym Fro resat fbout. You do nut baw try ant amide ombfapb m pay Me pfm o r #0 a not in prestlen. Yadm sae mwtlpn. Y•e 9rrnllar. rye carrot repot you n dMna om or take any action m crlect Ve aelalle yeY farelian. i,t Special AL" For CmM Card purchases If you hew a problem wlm rr dal Ou.IhY •+ Pr•MM a Wose eat you ptadassd tMlh • erodt cord are you hew ided =Y" m corrsot dal pramrn wMt tM merones hees iba dple rot m WY Una mmakdnp semen the m dry pWSrty a ssrwkss. You Mw this prgacliat ad adnarn d1s purdrsse afoe wss moro [ban +60.00 ant dos ptadwe we made m your hone sum or wlote 100 mass of your mrmq sah en. in we own « .e m. we 'prroHtr e r wrcn.se. die awerod mp.ndass of erree¦e o kratim of purobar.l fMesaf ramamber m alpr V corraspond«ce. t Drees not 4A*W corsuner nor-crab card ¦ccouxs It Doss Fiat apply to business noncrodir card accoaim Capin On enrPOarta kdonaallon pdwcy protection: Fes W, wabshe at www. corn. Capin On drCapo m a M'=sntdce mark o Captlal On ihmnrauon. !31 dpma roesrwd • 2003 C+prtal One otLOLeAx m on an from of die simmomm, oohed To.' we mdtbiv the 610888 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 best five (6) 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"WC e• 002 • 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 /OW" VISA ACCOUNT 4121-7414-5984-4051 FEB 04 - MAR 03, 2002 Page 1 of 1 Account Previous Balance $920.% Payments, Credits and Adjustments 560.00 Transactions $7038 Finance Charges S.00 Nev, Balance $93134 Minimum Amount Dix $73134 Payment Due Date April 03, 2002 Total Credit Line $200 Total Avaialie Credit S.00 Credit Line for Cash $200 Available Credit for Cash S.00 At your service To call Got- Rdstiom oar to report a lost m etolm ea[d: 1-ND-262-1493 P. free reline -t-i. and spedd auto- effets, log on to: -espitdoneeom Seed pa7metas W. Seed inquiries to: Att.- Reoittsnm Promsing capital One names Capital Ooe Ser'i- P.O. Boa 85147 P.O. Box 55015 Rirh.-d, VA 23176 Richmond, VA 23255-5015 ItDortant Account Information IMPORTANT INFORMATION: Please see the new section, 'Temporary Reduction in Finance Charge,' on the reverse for important information regarding your account with Capitol One. Payments, Credits and Adjustments 1 25 FEB PAYMENT RECEIVED - THANK YOU $60.00- Transactions 2 04 FEB OVERLIMIT FEE $25.00 3 03 MAR MEMBERSHIP FEE 39.00 4 03 MAR PAYMENT PROTECTION 1-888-527-6904 6.38 Thank you for enrolling in Capital Ones Payment Protection Plan. Your premium will be conveniently billed to your Capitol One credit sad bard on your month-ending account balance. If you have any questions, please call the customer service number listed shat in the transactions section of your statement. Finance Charges Pleats seen esidefrimfodantti?iapforradiaa Z.r,7- prtett & ? l: W pfldm PURCHASES $932.35 .00000% .00% S.00 CASH S.00 .00000% .001A S.00 ANNUAL PERCENTAGE RATE applied this period 0.00% 480725 PLEASE RETURN PORTION BELOW WITH PAYMENT. Ow 0000000 0 4121741459844051 03 0931340060000731347 New Balance 593134 aep?mr : c6.6n,6A- ,miTR.-A". Minimum Amount Due 573134 gee Ap I Payme= Due Date April 03, 2002 Gry Sna ZIP Total enclosed f Home Phme Nmnan Phone #9006293423652227# MAIL ID NUMBER Capital One Bank 188 N CEARONTCISTTIR r P.O. Box 85147 t` LEMOYNE PA 17043-1327 1 Richmond, VA 23276 ]nltlttIIevil IIIIIIItill tllnfIIttr11usl1r,tlsill lntlfail ItttllltttIl6tn6t6tl6utllulife 616ttluslllultu11A Meam tmritey,--it namhu ore yaarrhaat a money coder made payabk to C*dalOru Bast and nail in the emulated e;rwA* . e talsa? trs>•a 8 O o ? (Ime, Pefbd. Ym vA haw a ineemtm grace period of 26 aye wAdw iuroe elrrye on rhew pudwr, new 6slaroa le-slai , rrar apedY reas and other charges H you Wy yoke tonl 'NSW Balance, I. eceordaince wish the Mup«two an NoMa br paynaits Ddow. d In time for it to be mall ad by your ama alRarhafr[ d'rdakhgsPacchna, Them I. no lsl trarrtee. had rh tihaie b arraee period an arhy tiaraWen It you do not pay th total NeW babrhn.' Aearahg Firhrm Ch«oa. Ti«Wdleam wNdh am rot k'?er dale of?tlha t?"rmaacdma?ot R?1 hour tla date?'drel! tmwcdon b prorswad m plan ACOaiad « 31 ilarrh th al th «mwd bihvp period Addti«ully, Bm celsada'es it vou did not wv tlhe 'New Babncs gam tM omlau you even 1' e of but rid I'll francs ocean seprrnt aaan any, am my new t ro oath a?aaand atgtsd airy planar, on ties stnenhem Deal ro allege H«sn Tmm or t atLtred any hapald Erhares drip ehddsd in the baance of aerie sep?m.) THs dv'ea u th dVy tapnraAt«Na bYNq Wriod ateti'NPdaeby ba- tof each total nunbar ei aye ti th bMYrp phwn T . core ke tie aw y bsla. each sown.. 3. ArsaaY dal Ibtee I APRL a. The Ism 'Areal Percentage Nate' may appear se 'APR' an Ih trord a ese stsaamad It. If tie code P grimy, L (3? LIBOIC, C (Cadlorm of Dapoaltl, « 8 (Smeaad Prim) appears an tlr trod of tNS saalairhaa Mom fair pedodc rnaW. Ih psdodc rates end o«rase« I ANNUAL PNMITAOE RIk my wry prnsdY and may themes or decrease based an th stand ihdeaa, r fond N T W W: Sbaer JeuseL Plhr th audrh previarslY decleead te -.y. Time wi W sTafetlw an ear ale ay '?dhs rhhorhtlr .lararary?Apry't'N, dpcialoa?ateraeir sahdrp c. It th ooa D (Pdmel, F (1?yprprosa IJBON) « O (3yeo. statarmart mod to psdeue I= it. Pes deock: r. and mrm?AWJA PBICBlrAOE 7tATE5 cosy vary m«aldy «d my Moaam «tlaaaw based or eve stated * - , as found in The WiP 36sar./uras"4 pu The mrgin previously disclosed so you Thar drrgr sew be aHaetlw an er am ay of Yen being period each m«rh. 6. Assaeareerd of Lea, Ov~ and Reki n al PeynrR Faea. Ym accosts Wit be asamsed nc mm than two ot th apes Nand he, that ekeas dudng arty rt paced. reseal=s1.kd%the terra =.=.. spreamait, ors th date to wdvs of vhv any far widh«n pbr widoa walvinp rhodEntion to seam the aim « sealer h m right to n a bur ems. 5. ear AawuL H a mmnhradp last appeal an to amt of Ilia statennar, you haw 90 aye front to data ea'm"se' was mallad to you to avert pyep tie lies or vo haw retch tw cradtad =7 e plan tarnwl your aoaanL Deep tlse period, you conti l l m us yen accost =- hvkV lo pay the notl ? ? Whasy'h'mar Pal"atfeir DWa'mierent and payrnyYapr Nsw Balarra' in ka InrAdnp tlr e. N Year Clem Your homou e. Yw can eguee tot ca plyanau secohad by taanp m Cutaner Rslnlorr o and couaund t agcaYour ,cance Yen credt wrdbl checks, cancel al prsetiehorited biep, account a and ceeea -In yaia aotom. H you 4 rho urcd paataleriaad artsapalente, uo vdl eauidar yea receipt of a dugp Vow atdod sere te mopendosed atx«at. AddtlouBy, coo seems seal not be udl you pay all amoum you owe u NadudwrV aihy treamaetlwr you haw atlorited, Binerhe dgNS, post du lass, owttlnit W, rettdned payahnr use, cal advance lase ate airy ahr tale aarassal te you accotat. Ym are rrPotrils for ter corms whiner chary appear an Yeta .comp at on tine yyou reproq to slow er acc-d or 1= ail .d ataaehert to plan rsgten ro slow dr atxoum. This mY rearat in dergse appearehp an your ac ma alter you haw your account h es, already haf base, =.I-;=. eaalw th tranaeetlan from er =after your account has bow closed, your amour will be reoparrtl, The anhotar of the deep seal w added ro your account, and you keel be for Paymrr. H tiers Is a Contimt ro' ro 'pamatW by 4w, Ural the amour balance hea been paid in full a dsaretl above. ). Ueirp Ym AaawR.Vm tad or *cc-* cannot h used h tararcean wen any ktimen Wm6lshp tuiramlbna S. Nolise Abort Ebrmtdo tlnok Carwa don. When you p'vid' a duck se paymem, you aulwdre u amrr to use edonncck to mks a ore-Wm abetroree said sots yoke dled traamlar lean ym bank scomm or to incomes an ppyme t as a dhrk trans don. Wlrn m use InIba l don aorn your check to mks an electronic Grad trarrlar, aaa my be wtddrem from your bank aeodat as lien es th alma ay we receive your prymenc,Bnsrncisl and ==not receive yen deck back front your . BIWNO RIGM SUMMARY (in Gas Of Emrs Or Questions About Ym Big) H yen tHrhk Vote big b wrap, or H you reed mre YN«matloh mat rarrceon or bill, write to u on a saWntO slhest se soon n poseala at the adteaw for Ygtides shown on the from d this eatanad. We met hair Nom you no lines than BO drim after we sere you the Brat fah an wNdh the savor or probles appeared. Yw can call ow Qrtons r Iblsdar as I, but doing r rA net kgormBanV't'yoke?'iwreb aV'na .chuaniait?iawine , Ma?doll.?r amid a the atiReLLd east, a deacdpdan of the enter and an saplahudon, II peaslbte, of you baleve there I. en error « i1 you raised core Yhlohrhuy? tkrh, • daacripan of th item plan are urea scan. Youehvaas tlnp«a ?ha?w to pay arty aehout M wfda w ears -loll it bw you aro eW ro pay er pans of yoke bYr orb are not In q a etlon w e ewaalpm yen q rsstion, w carrot repot you Be deerhgttnr or mks any action so Dolled the amour you qualm. t,t Special Pole For Credit Cad Purchases H you haw a pobiain with to quNty of pmPmY a aenvicesib0 anon youpud urd wftlh a erect[ od and you mrehad, You =/ h.- th dam n« tie romHna amoral du an th property «eawkea. Ym haw 1Ns pmacdmh or% whn lh purdhses grip two more than tso.DO and e puohw woe coda in yen home roan or ,Atha 100 tease d yen aWnp addan of ors own or operate Va msichrr, «H ors mslted you th adwdeaamm ter en pro?rtY « rrviees, all purersee ere corral mpudaa d amoral «b>rtlan d gncher.l Pbaw ranrhrar te siQh all conay«daoe. t Doea not apply vo ams- -aloe-Dell' card -mute t Dow not apply to btahk- --dk card sco-sts Cam supports kdomatloh privacy protecden: we our recbmrad service mot of Capital A71 tl?hta reserved. 0 2003 01LOLBAK rot do so het an provtair manlh. tkpaid rrhalo [tripes am added te ens asVaara of plan Accoim. t c. kislraw nnrawara(ac? Tar each haling period the to?'ii RHANCE C1iAli0E al m.fi0 vri?'bap'enposad. It the foal erhehhce drgp mrdtlrq teen th appYndm of yoke pasede iaWa) b Des Nan ?0 60. we rnM wOtrut tier boon from rite fr0.60 ntedriae of and V d vdl De 6. m er pudree e grw? a Your stabrnmd. td. Tld a to not I any or r Flnervas as 9n Charge, 9rnnCe :@ cliWe msrw tla ft la asemer aretl any as dopes for my piwn 2. A= Daily aM-1MNWha New Mmloeaa1. a. Rrherws dept la eNWetMetl M hhhhhlh?YOhd ens ?Y accourn advanee?ptaerse, apseW tirri«, anti tpeeiN prachw) by th trorreependrq duty pad0dc meal eat M bean previarly disclosed to plot At tie and of each ay Vhs Dip psaNd, we apply the slyyselsthca psadc tam of for ea sepnetr of Vote mean to tlN aa each rpnar. Than st th sadder NlrahO period. we add hp er errr a tees dal raladajo, m arise a wWU actn «dhrA'sep'?rhwit "drdt- all the total errhce tdhaps b your aoomt. To ash to alyy balance ad each aspaad d plan a xaa d, ors mks dr bo= 6slaros for each aapiwa and addary few varaetlair and any psibdc ehhsihcs drpa taleulaW an ee prsvkhu aye br art aaonrhL We nrrh a stew anY Wyhnnse «r;redm pcetW as ofthan ay t1w ee allocated to that sepsram. TNa discs u 0 saparare daly 6elar ce for eadh seginwrt d yen eccoud. Nsarevat, H you osldothe Nave Babnco alohnah an ym I. natanrt h fdl ( if yoke ihasv bell Prat sere « e tpatal arnotm), new aairaetlar w 4ch pest ro ==L=-. padre paro not Ws calculate to avsaage dailyy? s by sddrq al the ally balance 1e0etlnai said d% er tun by er reamer of tie aye k1 tlhs mend IIINq cycle. To celwdate your foul eihnhos drips, mMplY yen avetaP daly Warhp by the sly p«lodc me and by fh emb« of ace in the being psaled Du to mndrp an a daily bads, ore my h e slight variants bstvesn Vila calculation ad dr avnaad not lahanc?e drive aduasy asawed. b. M er cotde Z « N appeao m th h«n hart this autemmn riser to'Bslance Ras AppMd Ta; ors mtMply the 48072S 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 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. O Lv 002 Why does good Cr6dit ounta • 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. 0022-1001 C I CW VISA ACCOUNT 4121-7414-5984-4051 Account Previous Balance $931.34 Psymemts, Credits and Adjustments $25.00 Transactions $56.43 Finance Charges $16.88 New Balance 1979.65 Minimum Amount Due $779.65 Payment Due Daze May 03, 2002 Total Credit Line $200 Tel Available Credit $.00 Credit Line for Cash $200 Available Credit for Cash $.00 Aty<wrsavioe To all Cutwmer Rebmon, or to report a loot or swim ord: 1-800-262-1493 Fur free online o-curt -k. and spedd antomn offers, kg on to: www.eaprtalone.oom Send paynle0n w. Send inTiem tm Am: Remiuaaa Prowling CapBd oft Bureaus Capitol One semen P.O. Ba 15147 P.O. Ba 85015 Rkbmottd,VA23276 Ridmond, VA 23295-5015 MAR 04 - APR 03, 2002 Page 1 of 1 Payments, Credits and Adjoetnettta 1 03 APR PAYMENT RECEIVED - THANK YOU $25.00- Your scytedded payment has not been received. Please remit the amount due appearing on this statement If you have already made your paymeM, please accept our thanks. Transactions 2 03 APR OVERLIMIT FEE 3 03 APR PAST DUE FEE 4 03 APR PAYMENT PROTECTION 1-888-527-6904 $25.00 25.00 6.43 Thank you for enrolling in Capitol One's Payment Protection Plea Your premium will be cotmeniol ly billed to your Capital One credit cad based on your month-ending account balance. If you have any questions, please still the customer service number listed above in the transactions section of your statemem. FrrtanceCharges Ple tovreserntidcforimportantinformation =W" 11 1 C-="' WE rn PURCHASES $939.46 .05795%P 2L 15% 116.88 CASH 1.08 .015795161' 2L15% SAO ANNUAL PERCENTAGE RATE applied this period 21.15% 498895 PLEASE RETURN PORTION BELOW WITH PAYMENT. ??1ea 0000000 0 4121741459844051 03 0979650025000779651 New Solana $979.65 Plrmprise adl ru aianrrr drlonr t?yH a °bLoF i"'E Minimum Amount Due $779.65 sIIee Apc a Payment Due Date May 03, 2002 Cg S- ZIP Total enclosed $ Home Phew Aiumwe Phone #9009493423652220# MAIL ZD NUMBER Capital One Bank REBECCA J CLAIR t? P.0. Box 85147 18 N FRONT ST m Richmond, VA 23276 LEMOYNE PA 17043-1327 Ililoll 11ntItliuIItIItfill nlltrtlls nlbnlltulltatllttrl Intlllnt116tttlttlullnttllullngill ltloll till 6tlttlitl Please wnteyour acwuw number on your dace w mwmey order mtadepayable to Capital One Bank and sail in the emr$red enaxlopa S stadia, 8 0 O N f a Qaes Parted. You Wa NM a mkar¦n space POW of row pudrses, new 26 Np WdroR ttrRxro drrye on babrme trarrkn, new ¦pepM PaWea RW crow odor charges N you Pay yar rod 'New est F-I lo od- "ma"'ca veld! 1M MepeRam "b" bee WM^? and In t em fa a m M crodted by you afro eratenlm . . dom. Tarn Is no pan psrod en n¦h adwlcea and epedal tram, - M adadom then Is no 4woe Paled on any twmvao n If Vw do not pay the sod New b. ? Hears Orrye. Trrraatiwr veicn as na Imen f aeuNnwmedan or 2) from the deal the trarraedan h pmeewed m yaw Acoan or 31 bran the am celerdar dry d ri tawrrw b" psrlad. Adddwmmy, Ir yyoouu did not pay the'Nav fSa,_ /corn ri psvfor swaw petloa M, lei, lkrma eMsgss earrir m scows m your ruPdd batsrsce IaN ri'r= bWrw! h paid In *At- even rtrearr dive Wu fey a1M owe alenes drrpr, even If you pay the etdw New Baleriee kdcaud m On from of your Raterasre by ri new "ems" .1 dOlkp awe, but dal not do r for the pmWo s month. lxpwd fn¦nce drrpss m add./ m tN appYrib1? wprrwK a yaw Apcoua. t c. Ranker Pkrw.pQemc7e• For nN bMYtp Pedad 1M tfa?al plrrnr dlCNgAe7wpwEdorlkp ? d eo?osMnopaotleuend. y1aMr Imoode FRNU is hr awl i0 ri0, we vJl wAime l Mw anon fawn ri 00.50 mkimurn sad the diflerare We be asprrwr of yam atxant. d. bow wparry RsirMYa in m ri pwdwr the t Fires prose. We nerve riam m not ?essw airy a N sromm drrpa for arrf than d Cover by aft stalousu, m take an c rwa Waob == day dd any new tleera to Mdl se a wrf payerwr a cedes. in am c !Ids N appa?n on the cam of eia atatarnarm rmw to T"""eas == subtend any unp¦M eronce ed M ri balance of each TNS drive s us On dolly balance of each 'b i Mr, MO =did = bey aor tatm each mrba at days In am swne pedod. This paw us On "WWI .wNapp oa0y balarce a rob aafpnam. 3. Msaral MaarasM ass IAPR1• a. The men 'Anld Paeamape Rae ally appear r 'APR' on ri from of aim statement. b. N to code P PsdmN. L (3-ma. UBM, C (Cemlicete of INNI ?meme a ro( n m tMst :: marls) star part=mde rme and raeopwdrro ANNUAL PERC@)TAGE RATES may very grnMY second/wY Mm¦!ar or dacrrr Mead en ri etmd kdkrt, aR loud lo Tas WbN sear you. Jamsµ pus ri meryn peNOUfy disclosed to Thor clwgp ua1 M e/ledve m am fait day of yar bmv forded rnvsmd W you pedodc moreem ending In am -*. Jsrury, Api, Jal rd October. c. If dm code D P'Nm), F (I -miUBORI or a (3-0. ri loot W you UBOR Rapdced MrdMy) =n raw rarer row m ri prmbl tlm pedadc raw ANYalpll PEXirAfiE RATES my rroy kroear a /weave bond on ri to r r?iev wNloy didhrlolose m efwpea WN beamdve on ri fro d.y a your bSRrp pa+od Fer. 4. Aeseswre of LOW Overeme ad album/ =%w Yoe acoa¦m uea be Masud w raw then lost fisted hen amt soar du ft serf bisirp period. Undr dm You coalana aarmare, vre wane ri dart m wean of W waive a rw to row serf fees WfMw da rodefJllan m vkp daK to owes des !eero a ¦hdhr kne ,A=. d, nr6eralip be ME 4 en ttm erxm of A des stRmrm, you l 30 day' d.p tram ri em fhbwnenrrmrre¦ W. W m you 10 sesM plykq the w or to Mes such fie cndiesd m you I} you carrel yaw arxorrm. Duke a" pseied, you fey caabw m rr¦e You accara wMra frMna m Pay sew membashlp tat. Te Alas! you scream, yes not ndty u by camkp ou Crraaa RNadana Departrrlare rel pryrwyi?pu New Balance' kl flat (exdsdkq des e. N Yew Car ow AMUR . You can ropww to ? YYoaae arraam W latWp our Cuwana Remtlarr Oepertnrsea. You roust NsemV your credit card(o) end aCaalae !sow docks, tarla¦1 N prosealrked beWp, and eea¦s L.W soean. M you d. not taneN Pwawgkad kYYrp omrgwrwas. wo vAN nrnMor raEeiPt a ! tirrpe yea aletmrwbn m wepln you !team. ArldimorMy, Your ROCwn wq nm be tlrM uM Yaw WY N arrrolfs Yco call r kxerdirlp: eery trarraadar yea hM arla*f*' ==' pea, .=h vedkldl tor, reosesed ee ldYllwe fees eel/ ry 0amr bat aeesred 10 yaw acnum. Yso sew mapwrltle to does enwn¦ uamlMr amy appear en yar s XWm at she thee yyou regret to rigs ri ¦rsv M a diary m kxuwd sussaglra m yaw laplspeps to loco ri aeealslt. Tti aav ss¦uk F ..?,.,.?.r.A rl,e wtyen IrlaCOlaa I%:- ie he- of ff you atdlonad ¦ Olmdlao-Ira a rneNwa and we lenive ri [rorriatlal traerr ri nwidwm sea yaw reaprlsd, acea¦a hea been closest your seeoum wp be On s aaan of the /reaps nN M added m your accf¦a, asdyou rde be r:=I-.. golfedM acre h a rrwtr6waldp lee des 1!e vdd cemkas m M dWeed. m ri exlwd psmYlled by low, ureli the accoua Wang hr been WKI R s/ as desrmd above. card a seeaae camM be 7. =Y::.=:N= ny Irxanrr prrmrp trarasrdar. 8. eswioe Abort BaMmio Oreek Oamiw¦IRe When yes pwvid. a dmck r paymwe, yso sesfrd:s n aMla m uw Naennaan trom your t ass m tab a one-dies eledreNC fiend =I mn you bank ammo a to ==, a dvrutradan. Wan m hem you /cell to make an eleetmric hero iraroM, ludo may be widdraym hen sae break acco mt a son r ri seen day uw rscdva yea payrnm, and you wet not mol"'m your deck beck loot your xwlcial mrtM¦lon. BIWNO RUNTS SUMMARY Ian CM (N Error Or O sahr Abed Your BIND you dirk Yea bit h romp, Ziff Yoo roc mom kd.matiwl en a irarmaoden a M, wMe m r en a sagrm alwt me soon r paeeab se #10 eddrw for hmpiMe ehoma an In from of die resent. We mum Irar loom you ro Imo IM BO drym Rlwr we rm YOU the SrR bN m vMidr ri error a prubllm RppsarW. Yso ran f:N as fdwlonw R¦Iadarr nnrllber, beam doirq r eerie not mmotMrq yaw dams. lo Yaw letter, Plea r It. you rwro and accoue nunMr, the dollar arrorrm st the::M seam. • d¦¦edpdm of ri arm, anal en eefpla11d0a, It poseab, of wwffww you breve awe Is W amt: a It you PAW era ktfrerdon, a denudation of ri itm you m came abalw. You do not Ism m Pay orrf afar In quealm Wise ears m K but You an M abRpmd m pay ri par a your art ¦w not lo tpsetion. vVhlb wee MwarlgRta You gam. w twexa report you r aamrsgrreem a floe ¦rry arslen to cNeti ri anmraa yaw qualm. S,t Special Rum Fa Crods Cam Pudlaees If you lve a problem vrlUl ri tpdity of prapeny a arviea dirt you pudraed wish ¦ aadt tam and Va+ lve sealed === ri T%das V th ri Mardme, not m WY ri wm¦kft cream due en the fwoPaM a service. Yes ~~ - protacdm W Wlsn ri famafwaw once rear recce thn 050.00 .to*, I fWa d?YamarnRSmprm¦daw 'It wftm sts a a spoor ri msedsm,a r m ==.; ¦tlverdernem for ri ProPertY puchew kwad fro aWerM repirdir R areas a loeaefan of purchase.) Plow ueaerumar ro afpn N conlapvaWln. t Does not apply to oamnw nncrs ff earl sccomis t Doss net apply w assessor -wadf cad aecorws Capful 0m, Kamm kaomedon Pdvecy pmtectfon: w our vrabstta a wow. cow. copied One ls¦ Y r?y?seed service mark of Capkw on Fkrndal fogwntbn. ATI mama rwrvW. 0 2003 capd One OILGLBAK 2. Avrspi ury s¦Irtoe (Yrkrrp FNw Arwwrl. s. Fbmm dsatp0 h cal da ed W add; ar ddy ImIamm, ¦dvrms,tpudwe, ¦pedst u Veto and ap &-h u hees) Iw ban by ri oaw¦padrp dNY Iwdadlo 00[0) that FaeNamty t6dosea m you. Arit ri YsedM=.:= burpof oedod, w! e dd aa(paeem ywr aecoum m ar Mr. dr ware. Then R On cud of ri , vs add W ri rolldlf W lama dopy C¦Mbdona to arrive R pllfodo earlrtoe dl!!p! (Dr rdf eePRem. Nh add rq tar rserm ban oerh I; rem m !tars R the east pulodc ansnoe drape tot your acoarsa. To pat ri dMYY Mlseln for each ealiraem o1 you Itxsum, ors esb tM blWarrq balwlce bee esdl rpnsem and ON &W new ri Cd ¦ed ry ppe!diode erlrln /reaps nlaaawd day's b¦Ire far 1hR alprra. We tMn suharar RW peyrrrme a Crldiw gamed ate d eel WY art an Nbcated mart rfprom. TNs ova r tea aglRrne dicey Dal¦rlee far coda eaPaem d your acme. 1(orrevsr, N you ostd the New Balance almral en Yaw Ywvias falser lo fii (a if yoR nav balance use zm a a credit s ssu m), raw tlYWdero Wrkh par m year purdra a spatial puldra eslpnw sew rw added m cis d.eY 0¦I¦nasl. We ... Z:.-; apa d.my Mlarme by alfirp N sloe d.ey ri Uss, dea Nye r N to and dvWnp ri slmn by tale umber aRrWnt rbalYbWy Wp eYds. To estoiRe ya ppryypt wad g Iffiessm charge, dNy priadet ttm I:.y basis, r djaLy Miwmybe p014 ftQverWM between Use talardm sec as ar-so of lkrarln dieW==0w b. N the tad. fmm of We waverer ?Bstame Roe npplyd ToY??vw rmdtlpy dr?e.u.. raw to 49669S Important Modos: 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. Payrrwnts 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. Keep Your Account In Good Standings 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, Inc. Capital One Is a federally registered service mark All rights reserved. P&anpresta"rtv %V.4 rkw wnsrhA r whz of ak C ow VISA ACCOUNT 4121-7414-5984-4051 Account previous Balance $979.65 Paymema Credits and Adjustments $25.00 Traoactions $8228 Finance Charges $18.42 New Balance $1,055.35 Minimum Amount Due $855.35 Payment Due Date June 03, 2002 APR 04 - MAY 03, 2002 Page 1 of 1 Payments, Credits and Adjusmretta 1 03 MAY OVERLIMIT FEE CREDIT $25.00- Transactions 2 04 APR OVERLIMIT FEE $25.00 3 04 APR RETURN CHECK 25.00 4 09 APR RETURN CHECK FEE 25.00 5 03 MAY PAYMENT PROTECTION 1-888-527-6904 7.28 Total Credit Line $200 Thank you for enrolling in Capital Ones Payment Protection plan. Your premium will be conveniently billed Total Avaisble Credit $.00 to your Capital One credit cud based on your month-coding account balance. If you have any questions, Credit Line for Cash $200 please call the customer service mtmber listed above in the transactions section of you uatemem. Available Credit for Cash $.00 At your service To all Cummer Raxti= a to report a lad a stolen ad: 1-800-262-1493 Far bee online sarauat servic: and sperial aaooa offers, log on to: wnw.nprtaloneoom Sad Payments o: Send inquiria to Attn: Ranirnace Pmmsin8 Ca ''u1 Ooe Srvice CaPiol One Senior P.B. Ban 85147 P.O. Ban 85035 Rkhmond, VA 23276 Rkhoond, VA 23ZS-5015 t Account Information Capital One is a proud sponsor of the American Film Institutes CBS primetime special presentation - AFI's 100 YEARS-100 PASSIONS. Ifyou love movies, tune in to CBS, Tuesday, June 11 from 8-11 PM (ETIPT) 7-10 PM (CT), as AFI counts down the 100 greatest love stories from the past 100 yeas of nngg.? Which of your fivorite films will be honored? Couldit be THE WAY WE WERE, WEST SIDE STORY, CASABLANCA, PRETTY WOMAN, SLEEPLESS IN SEATTLE or another one of your favorites? Youll have to watch to find out. Don't miss it! 52177S We understand that sometimes it may be dd icdt to pay your bill on time. That's why we've waived past due or overlimit fees for this billing p *oil' ceder to help you return your account to good standing 5ater. With our fee waiver program, more of your payment will be applied to your outstanding balance, thereby reducing the amount you owe more quickly. Finance chugs will continue to apply to your account, so it's still in your best interest to make the largest payment possible. This waiver is for this billing period only. %ance Charges Please iarevrrnn&fw ineportant iajaraeatsn ..r BAA- P , t R Baal rm -F CHA .m PURCHASES 81,059.32 .057MP 2115% $18.42 CASH 8.00 .05799KP 21-0% 8.0o ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. Ones 0000000 0 4121741459844051 03 1055350025000855357 Total enclosed $ 012 New Balance $1.055.35 Minimum Amount Due $85535 Payment Due Date June 03, 2002 21.15% Gy Sore ZIP Home Phone Al-- Phone #90124934236522258 MAIL ID NUMBER REBECCA J CLAIR Capital One Bank r 18 N FRONT ST P.O. Box 85147 r Richmond, VA 23276 N .? LEMOYNE PA 17043-1327 lultiuiinrlsilutitiialiniiiaailniiintoatoatiirui ° ? lnriiiurliinniuiaaaunniiatitiiariatiiiniurliti Plram wits yo aaaant naraber on yo thwk ar am* srdff rna& payable to Capital One Bank and nud in the eac%red emrelopm r i ?l 0 O p N ta. Ores period. You wa ha a mkimun Anwa panfod of =1 walnut !="=P= neW raro1mand now odes c ho N you Pay Ymn tool 'sores Bahxxs', N atxsrdwna wfm ds Yrnpoaent Nod- for Payments below. ern N rem for it to be ended by yes next newd a,I- doektp dims. Tfrra N ro pees psded on eaa;u and apadal tnersNra. N eddiuan, then Is no Orate Period os atW transWan H per b rat Pay the fond New AesuYrs FYrenw Gl1r/a. Trwsectirs wNrh an snot It. adni 1M Wn oi?Ma?trmtactlataa ?kmn tM den?iln I ttsrreeW is proeesed m per Atxnue r 3) irons the An nlydar dry f as rarnern Addtlonally, R did ra pay tea 'Nees safsl a10 pWA" ch. to sconja to your -Vi Ad eelann and 1M uq d belanw is paid in toll; Thb maw ast Yes may adl ow Orslroe rasps, awn rf perpl dne edi bts the Biases nora a m an fiau of yes attanrerny y as now aMterrtat donne dins, but tW not b a lei err prevlarr 0 UrpM finanb roes era adtNd m dm e?MealYS sepnent of your Accent. t c. Riiwa Aranae OnaO?. for ash NAip psdad thm pedode nce M-leaa amts s0 60,mwei vdR wetnnert tlut rear[ sae dire $0.50 rttNYnuu and to dttsnwnb WN be bYed m as agorae" spamM ei aeeout. td. Taapay Saints 1 iiaw arse. W. ra"rw tM dsltt se rot assess any or N trance c orss for wry scan ba4na of each espnan each by, ado any new tra tiro to soh wpmm? rd aobtrac wry ymwa of credits. (If the rsda N appsln an tlr ham ?tHs mtaman new m ' Bolrxs Rm Applied To: ors also wllraet any uglA iramos atones MneNrdad N the Mlrnn of adf a?wt.1 F a u the ddb sWnea of aM TMn, add p up as tls d?IQylbalamsa for each m ream Uap NIMp sires adoddi. 7Ha u dr Manias 3. Marl Pmoanlip ft" APRI. apnea. a. The term 'Arend Percentage rim' may appear as 'APR- on to from of 1Ne stmman. b. If the code P F*.*), L (3-10. UBORI, C ICertlftiaa of d) of VBih uninwe cam ro tM Mtiba MMq. 1M adoft rata aM ?m?orndnp ANtaWL P91CBrTAG RATES may wry Yumdy adntaV Nrxeaa a dsnea bead an err surd Ndaa, a iced N 7M WaN Sear oue Jowrol, plus err mlgN y aaclowd m vou. sicc wan 1M firs by of yaw Tlneae Wrsa wM M h d?ia mntlrcoJar?ir? bygppdor.hlpd?ind Oa amp c If the cob O IPrirmsl. E Il was UBORI a O 13mo. m[.nnwtt 1103d to as ponodic MMM the Pontiac rata and conespon ANNUAL PEFrWAGE RATS may wry ma1My wdmY Mmes a' deceae based on de rated NrRas, as lead N 7M Wei' seas Jrna, plu tM mapN preNwsly dsdesed m you. Tires Wags * M NNCew on tM fin by r per bNYp period mash a. Aw"mert N Lase, ovrina no Round Pww.n Fas. Yw acoata w be aesawd no n10n the two of ens Ns held Mro tMt oar dudnp arty MAYnp psrkd. lhndar a10 man of your mtrmr apnsaant, we reesne tls dart m sYw or not Is a any foe vriand rotlfsaaon to yyoouu j:V wal;V our dad to ass- arm or Order Ns a ¦ Iatar tyre 5.tRaslMls T. Avatial If a niasrbeni ip k10 do :d rW a10 hero d trio orna ment, Ya+ rowed Mw 30 asp /lato how stwh vme tsa eraMad p to er o avid paykp m fee or a to M you 11 yes nrnoe your semen. DUNS this period, ago my cornkar m ra10 T.- acconwt wahaw Mvlns m pay erne mambadip M. To tsneM yes atxnut, yes moan notify u by !td pay o f ww Customer Pahmon! Depement flalanee' N kN Mtaiu4p .'Zpadott a. R YOU Aeawd. =,=to ose Satxnrat by [fiery err ranaw. Yw rat dotty per txeM cedlsl and un ate- dirt, nrnoel N prosttlnrixon burp, red ears yes acowarL M you ono err eenYevN?r recap[ of aof ! drtpe Your awMriirls t toPsdaad aeeorwt. AddtiaWy, yes axaat v1R rot M and yes W Y N araatsna Yw owe non Ndudnp: arty as err fee. fees, uwriyeaYM isle wtti10dzed, tnwnee c c can Non, rasarted paymrt Use, or, ash ad m Non !cod try allter leer saesaed m yaw !anon. Yw an rasParaOt 110 aneae a1rl a WMU10r =?raaariuerr as ry aaraaYCVnd snawp10n+ mm to yes np10w m dos the aeooun. Ties cony nenit N dtaros ataadro an your accoua after yes how yaw accan if e ed lu alrostly froem ms ? idma ?m example, If you uali mosive ate transaction from the verdant after your accwe has Man eoaad, pun erxnan wAl be mopened, the "noun of the eMr wW M added m your acewn, rttl pywer wIN be roaparmm nor wpwn. If there Is a mamstwip Ise for yes acconalt. 1M be vN can r." to be ah%:14 to ale stunt mined by law, uaA the acs" It brats hear Men Wn N M as defined abow. 7.1NNa Ysts Aaast.Yw cord or accout ca not be nwadN corrmeetlan wNn a4 rd eMMMp e. NotNe Abort Beedado Otaak Cannvataiwt. WMn you pforide • duck a peyfrnsnn, per autlsdxe u near to cos krforrnalbn horn you dneclt m melee a or10-Wee electronic UpWa transfer iron yma bank account or to we?Ydonmrlan f?ma yorw cneelt err m?af? wntwee kind traroNr. kwaN may be widulismn from Yww bank accotod s soon as the scam day 1st mcelw yes yymwt, wd per won tnd fonts Vw check beck from your firnartdal YsUttaitin. BILLING R0014TS SUMMARY On Cam Of Enr! Or Ouadom Abet Ym SW) R you tlirnk yaw bill Y rvrorO, a N You reed mots inlosroUon m a tmwcian or MR, writ m u on a for "perm alter se eon s Posafide at to address bates shown an the frond of this sutant. We ens hear from You ro lea Vern 00 Konya ass we sat you the Rn Me an whknr tM anon a proMam lPOennti. Yco ern cN our QrtMW R"" =01111n, but dote to win not pqraaasee?twve yes donna. N ==- aw u tlr kdnWns a.W, 1 a-LIS ter: your rune Idt of f the anus and an r a10 nanpnaed error, . d AW you he war and an axplruaan, N peratllN, of you MAew acre Is an err": er N per n"d -- ¦ d"edpdm of err Iron you m unstle beu. You b rot Mw m psy arty sneer lngaWan varyate vre at 1rty etlnp R, bra Vw era ad1 pared m pey pan o1 yes MItA dirt ,n not N prNai-WIOe we Nw10ASte yaw partlan. we ratrn[ p°rt10onist?YOU P r u st1y scion m caAecr tM t,t Special Rule For Croat Card P1rds- If you Mw • praW.". whh the Ruatisy of propny r "nree" tM yes Pudsaed wMt s :roan nN ad you hew tbd N sad am m enact the problem win me merdrent. yes =hew 1M den cow m MY de rem IN.Yirq amen[ don an dr pie r arvkxs. You dhow o ais pneetbn twV* an as pacltae wa eras dun tic 0 V" hosts state iwMin or 100 nil" of yoaamelMp addrea ors own te opmne tM mresm, r N car mated You 1110 advertisement tr tlns progeny a eerrka, N purds- a2 nVerd nsswlMla Of arfrerwn a kx;wian r puroM".) Pte" fararriner m arse N correal10rrdrrm. t Does of sgply b coaoenr romcnae core mcmiraa t Does no( apply b bear- monenaa card accanrs Oro station Ntor atim privacy protection ass w a wWw. cam. One N ¦ V rspr[ered arNn mark of Capital arntl Caporation. All daps resrwd. a 2003 One 01 LGLSAx Vita apply erra10any penoac ism n earn a10 MopyouraeMrati m daAY M -. asOSanl aeprralt. Than at Ow and of ft MAYA wood up a10 nwdu d [Ines rY tndalstkwr m ardor r Mines from each o"t for W err "pnrx. We rW rq nn recants hen aM apnwa a ardor at the rand pwndc Annnn Wes for yes rea ant. To ties ri aeA1y' ba?tr?vz for aadn apart r yes aceata, we eke err Oedrarp oeienn pberdoadefer apnww and add mw tretrNas sybaf t rroe kr m6tne_ wo awtpltam. Tliaai t i rs enplane daA Miarrce? Nis each aspen[ of yon trceoran. fksrevm, a yes odd the New BMase shown -=P... •las & amou anaar), full for tr yes mw 6 "Ch vas c redit a), new tmsar.MOrs di vdn pea to r s your puduae or ap"W errtM a aNY = M' e?? q ewe bsleres =, rd dividrO tM want by one numher of the dap N tM wand birp cYda. To W Woe yam taM irnpeerailosdrege, rnJtla per swmpe dishy DNwra bvS?tM? peaod Pa m rpadnA ctrl a a10m nIy age "11 =dance Mtvrawn cos rndccadon and as moue of firIn pyres acwrNY aaesaaed. b. N des sob Z or N qq"n m tlr from of the a rm""m mild to *so- Am Applied To,' won mWdoy tM 521775 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 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. Make A Payment Todayl You are eligible to make a FREE check-bp-phone payment. You may be able to avoid late payment fees and increased finance charges by posting a payment to your account immediately. Please call Capital One" at 1-800-955-6600. We strongly urge you to contact us immediately to make payment arrangements. It is important to prevent further damage to your credit bureau report and avoid permanent restriction of your account! Your credit directly affects your ability to buy a new ca; obtain employment, receive a loan or buy a home. ® 2001 Capital one services, Inc. Capital One is a federally registered service mark. All riphis reserved. 013 013-040D ?ow Aaotmt Previous Bala?e $1,055.35 Paymean, Credits and Adjustments $50.00 Tranaartiono $57.45 Finance Charges 519.14 New Balance $1,081.94 Minimum Amount Due $881.94 Payment Due Date Judy 03, 2002 Total Credit Line $200 Total Available Credit 5.00 Credit Line for Cash $200 Available Credit for Cash LOO At your service To ea6 Cmtomw Rduiom or w report a lost. emlen r&- 1-ND-262-1493 For fix a,it- aoooaot sarice and rpxid summer o$m, log oo to: www.orprtalmecom Send Payment, to: Send ingairie to Ater: Retautsaee Pmo:sing Capital OM Seim Capital One Services P.O. Bas 85147 P.O. Bow 85015 Richmond, VA 23276 Richmond, VA 23285-5015 501425 VISA ACCOUNT MAY 04 - JUN 03, 2002 4121-7414-5984-4051 Pagel of 1 Payments, Cm&tB and Adjustments 1 03 JUN PAST DUE FEE CREDIT 525.00- 2 03 JUN OVERLIMIT FEE CREDIT 25.00- This is our third and final notice that your account is seriously part due. Payment must be received within 72 horns to avoid action by our collection department Transactions 3 W JUN OVEK24IT FEE $25.00 4 03 JUN PAST DUE FEE 25.00 5 03 JUN PAYMENT PROTECTION 1-888-527-6904 7.45 Thank you for enrolling in Capital Ones Payment Protection Plan. Your premium will be conveniently billed to your Capital One credit card based on your month-ending account balance. Ifyout have any questions, please call the customer service number listed above in the ttaonctions section of your statement We understand that sometimes it may be difficult to pay your bill on time. That's why were waived past due or overlimit fees for this billing period m order to help you return your account to good standing faster. With our fee waives program, more ofyour payment will be applied to your outstanding balance, thereby reducing the amount you owe more quickly. Finance charges will continue to apply to your account, so it's still in your best interest to make the largest payment possible. This waiver is for this lulling period only. "You are a valued Payment Protection customer and may be eligible for benefits to be paid to your account in ones of disability, unemployment, and death. If you lave experienced one of these events, please call Consumer Memlwship 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 part due, as stated in your Payment Protection agreement Finance Charges Plaaume revenetidefsrimportant infarnration a.?ea 1e CffARGE ro PURCHASES SI,09.36 .05795%P 2L15% $19.14 CASH 5.80 .05795%P 21.15% 5.00 ANNUAL PERCENTAGE RATE applied this period 21.15% PLEASE RETURN PORTION BELOW WITH PAYMENT. :agawcw 0000000 0 4121741459844051 03 1081940025000881949 New Balance 51,081.94 Total enclosed $ Pleaapriar ald ru dseye kdow miarbba ark&j ask Minimum Amount Due 5881.94 Payment Due Date July 03, 2002 Sven Ape Gry Sue ZIP Home Phone Al- Phom #9015593423652229# MAIL ID NUMBER Capital One Bank N btb? REBECCA J CLAIR P.0. Box 85147 a 18 N FRONT ST Richmond, VA 23276 c L7SOYNE PA,17043-1327 Pkare w ttyars account nnmbef on yow r6af or roomy order made payabk to Ca6ital One Bank and mail in the endwad envdok- r eea?l t' ta. areas Parfee. You wbl low i mfri.•n W+r+ peered d 26 d•N w oanx seance m row puwlpn, new balance irwrbra, rrw qw: psdwws and now otlNr I, tirrp" H yeY Wy Vetr moral 'Neer Brarnra , b t •ed wal in tiuas for wkly It in. w be a coined rbtlce by your valwNnukae wnenslena in dninp data. Thane is no ores Peded an cash advances and sparer tnerlara b roaddtfon, evens b ro Ptua P0? m ary twrractbn If you ere not Pay 1N tool 'Neer Drers.' b. Aeerdy Fb"ws Asa Tranaadlerr wnWt are rot 1rdna dare of?so?truoaeem «21 frmr 1M dan?Uo .1 vex Access or 3) from data trarraafen is :;W brat asbrkar dry.1 sr ante bblknp ombd. Add1d«rly, IOrkyar0pu p rot Pay dal 'ibw aver"" Nan so P= Period re Mla m asr?? aVao brWW h Paid In IIL ycur og Tlds mnrr tlrt you mayy a1N owe 6rr¢a W alga, awn if You Pat, sr omire Nsw Brrln ideated m tins from W rnw Uomw tlrVP.. near agrei M=selrryre ere arced m iha aeo"m of vour Assess. t a Micacc account is ssttqp""tt . F« each bYrtp psrlod Wt 1qN fa1MNCENCNAAGE W to a ere.~ -11r"peae. It tN tar tkwxa drrpa hum er W panledc rslNe) b Ian Oran 60, w oratra« tM arrlotra oven U. e0.60 nrYilrnt of and dal dfbrexe era N dead m 1M padres as iiFh"w e1 foyour acnxnss. td. Taanper vea. MN nar tN aped to noRWsprtobtdawr any / or as /nnoe ergo for any ¢wn 2. Av GaM aabros lkwked ha s r Ardrs"1. a. Finance dtarye b eaWpad kY meddNNnP sr deity baler"" W each •apnea of ra. anxaas b.¢, ash adwrxe, prrdr", --"11 tranrler, and aPedaf periwr M tto 00rre?lldkad to V- As Fast of soch ns dasY PadoAe t"rr der lwybe?enh?p 1h blirgy called, we aPWV the ed PedoAe rate fa sear sapwmt of Tha on n at scalars tha rd w 1N tra of " sspvsm. of In blift Wdoded, we m M up P.aces :Zho Iirrtud to-" calWatlaa w crew WT. 00 pe oh espnwa. We raanalt horn each aeprrnt o ammo w the taW prude lrnanncs arras for yoe acxnra. To per se hbyy for each segooni of your accaws, we take so beonvns bocce for "ch oseasns and add arw new twrsahta =01101 art a w the seer g O , m 1 O N nm sown m year poaoa retsnrterr n ere w w bownce mow I:rO « a naedt anrwa), new ne vAkh pow to yea Pad or a aapmwru are rn« added u sr easy bNene". Wa sr avenq easy brarnos W amn° as tls very In instant ybW -I a• Te ?ralWwa ywr tool tau erd M dais nmaM?ir of dove in to IF lrp Is to toutarrp an a easy bnb. Mss may ta¦ anra barwrrr IN nslaesllon more do amottm W trwtp r ce sY sw st"e"am, we teas to bell s secN too each day, a ads arty new l one m M eapn/e, and ale as ee p OF credits. ae the to code reds on, IN tr Tor nw o d tr?a alo'BNen Rna AppkW d in we abo nanpsid ernrca times iftly Idrucs the each any o of bola each each 01 ucA pTMnnw?.) TMs Lowe w the dally b b of sa011ea f« tlr NNYq pModaand dNM by so toW ued .""leer of leer h Una , , . Pdded. THO au" m the a . "ones. 3. Mash • easy evattRde" WIAPRI. •. The ran 'Anal Peroemas0 Rats' may alrp"r " APR' m so trera of tlde atnenerrL b. If m,o PS(ewdrard ?dnrny, L (3aro. UBOIO, C (C ate ftnt W w d Frepust, n .Penal appsMON. #W . m • rawenm "a to 1N Pascale pedo ram arm! ca.apandrq ANNUAL PERCENTAGE RATES may wry prrtedy «r I Way ba•" « d•cm•" b•"d an Una alabd Ynde", " butd In TM Wee Seder s a "dal snet by of yar Z95=- ¢nbyWs!!r ?psaodey d"d w you _ atate"m eMtq paridde rwaW, dal panbdc rare .160 011011 nee to 1. and m"a"sers ANNUAL PERCENTAGE RATES m loos pl¢n prewourY asrUOOSe t0 you. These drnPu w1 be efbcew an Ure err day of ,. n. = 4. Asemmm& of Leas overseas and Reowred IF V as Fees. Your axons mob fe asaasaed ro more than two Of ate fen Noted tons Utat oaar duMns arty blbbp ==to ten e of amr aprse.wa, w wales or not to assess anal f- vdovotit pd« rnodicadon to wmow wrwirs as d¢a to awn the acme or sines, r a our tarns. 6. Yes Aaasred. If • mtrmeedip 1" app". en tlr Irerr d die ratereem, pu Irmo 30 swi iron sr asp Wa haw smoos suNad to you to amok pykrp dn• M a to o haw such his H ou your eases. Duaq die pm..I. pay" =or nod== ul8rpoawCuatanDepanmam wannddwp0.0yreryspw 'Haw Bslenoe' ti Na Maitdns sr 6. N Yw 0e" Yw A :;umL You van rseunt ire don yyaoaw aces" M ins eu ctetoner Dapareaem. Yw mar tbrtoy Yor t:radt mans) end arxansa ex"s Idnaatt, canal as ptssusrdfed hWrq. s nd taw yor sa xarFL H you M era narnW d ns ew«gerrer". w. wiF e«rid.r rya year •Wrdaaam m aapwn yyoouurr P., aceoua. as say, Y0« aetananl wM rot M news uM You P0Y as •mwas You owr w hrirdl? eny tn"•diar vos haw aaNd:ed seunee tdurs", aw d" sew, owdndt bat, atu? pymew adYenp 1t" aand n aparr few asessead to vnrn s satt yea accorsa. You are responsible w does asruas ardor = 8:: ranrmasiw« a sat the ft You Q naltiort to to yaw .prat to der1Nsee k- MmaYa"dt In dory" opgunkns an year •eceur[ aNr You haw your snxaaa H I,:- lreedy been dad. For oroerple, H You adwbed Pnsdwe I.re a nrrdraa and we .calve the twooctiun Nun sr msmharrt afw Y0a scosurt We been dowd, yar aecetss wfd M nsepwned, Fro amouk of the derya most be added to your scows, and ppuu mo?o to reaparote for P0yun0^t• 11 sore is a rmmberap be w Yea assess, sr Na era curdiue w ba rJursed w sr most pamdasd by law, undo sr •ccovit brarrw Imo been paW b " u it abate. 7. tfairy Year Aa...M. salvor Ysur card « anxanl N and in ".necdorr wbh any iaanrtet LrnbWig trwecsua 8. Medic ka , , as Pa AZ Cerrverolav. we When you we s bdoa don as psyltrr, You alalodre w akrer sere oodm Nom yorr dock m melee a an?bo obctwic Ned cants Nam your bank onrrasa « to pacer srV ymam " • CNCk trarraWm. Wltelt we a» Infomatlnn lrom you "a"cct m make en sbcterdc e"xe"c as f soon as enlirs the may N arnr wl ay - Irerrn yaw bank as reWve yar MYvnem. •ed Yoe wed rot retaI.1 we M Y. doer bode ironrn yew fiordr irasnrfarn. BIWN13 RIGHTS SUMMARY Ion Cam Of Enro Or Cu rbo Abater Your &b) :=M-4 nb netlwn « lo wernp, bseH wwtsyea needroue ire, m u m s nparp ahrot " •oen n poaaseu at tM addrw br bpiidn rrowm m tlo tnernt W tlia erraararnt. Ws moat .coal from y" ro In« Man aD dales afw ws rm you to Err loll en wNdn Me .nor or paMun appeared. You can sae rev Weaver Reladoro nusbe, ben doiq " wN not Wp? your d¢sa. N your lodes, ¢t'e u nr bMowns Inioltnetlarc yp verve arc eeraua tserlbar, tit tlebar anew of so eu rrw "For. a d"cdpbn W de am art0 en erpwsm, If p"ede, WvNry you boaove sore h ads m ever; e H you rred val. innlorrvwiorn, a d"Cdpdm W dale fan y" an ores Was. You do net Nw ro pay any you ,of amoua IonpFQpra satldm whale we are inrNoatlro f4 re not kt W"tan.YNdb vriap?re You _ bprNmlf vw con" report You offwedon . mole any eaten to copes the f,t Spatial Rule For Cradt Card Ardow H yen haw s prabb. wft the quality W propany « ssrro" dot you purdraed moms cmdt nm end You how teed in goad hMr m e«wq Uta prablern wed dal nortdrnnt, you say tow the "six vat ro pay the waaatirnp emcee der dm Uri p.pMy «aarvipwe. You her lhb ? 01 rr. w?do?sa"wa?""mstY'Ipn ywr N per,. or wain 100 a" of Y0« stalling sddmos iH we own or adwN"me=paPert, =Made, eK p.. are eovted oardsas of tenen•a er loarlon of Purchase.) Plans ratomber w rot as wnopadwxe. t Ares not apply to conf arar nons+orY card eccomrs r Door not apply to bower" a- .a* and as " On aepons I010rn00o PdwCY Proteafon: w our mower. neon. at One b a servks "nark of Capital srndal CorPea60u. A71 d¢ds rewwsd. 0 2003 dal OILGURAK b. H sr ado Z or 4 m dal Nom W ttis amern«a roe ro 'apron gisd To,' era ewedpfy the 501425 Important Nolloe: 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 s 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. 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 prospe'cdve 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, Inc. Capital One is a federally registered service mark. All rights reserved. 012 O WO Account Previous Balance $1,081.94 Payments Credits and Adjustments $125.00 Traoaactions $57.12 Finance Charges $]S.BO New Balance $1,032.86 Minimum Amount Due $832.86 Payment Due Date August 03, 2002 Total Credit Line $200 Total Available Credit $.00 Credit line for Cash $200 Available Credit for Cash $.00 At your service To call Cunomc Relatimu or to rgwet a Ices or .totes and: 1-80D-262-1493 For Sae online =oust sevia and speag summer offea, log on m: -coPitdone.com Send P.Ynmu to; Att.: Remittance P-i.g Capital One serioe P.O. Box 95147 Rkhmo.d, VA 23276 Send inquiries to: Capital One service P.O. Bas 95015 R;ehmoad, VA 21285-5015 571395 VISA ACCOUNT JUN 04 - JUL 03, 2002 4121-7414-5984-4051 Pagel of 1 Payments, Credits and Adjustments 1 20 JUN PAYMENT RECEIVED - THANK YOU $7S.00- 2 03 JUL PAST DUE FEE CREDIT 25.00- 3 03 JUL OVERLIMIT FEE CREDIT 25.00- Your scheduled payment bas not been received. Please remit the amount due appearing on this statement if you have already made your payment, please accept our thanks. Transaction 4 04 JUN OVERLIMIT FEE $25.00 5 03 JUL PAST DUE FEE 25.00 6 03 JUL PAYMENT PROTECTION 1-888-527-6904 7.12 Thank you for enrolling in Capital Ones Payment Protection Plan. Your premium will be conveniently billed to yew Capital One credit card based on your month-ending account balance. If you have any questions, please call the c stonier service number aced above in the transactions section of your statement. We understand that sometimes it may be difficult to pay your bill on time. That's why we've waived past due or overlimit fees for this billing period in order to help you return your account to good standing (iutet. With our fee waiver program, more ofyour payment will be applied to your outstanding balance, thereby reducing the amount you owe more quickly. Finance charges will continue to apply to your account, so it's still in your best interest to make the largest payment possible. This waive is for this billing period only. Finance Charges Pkmeroereaenetidefw iertartant in,format Bann rar. =- ce- Reg #7 aff(ielao liL .APR rat PURCHASES s1,06Lss .05795%P 21.076 918.90 CASH 9.00 .05795%P 2LL5% 9.00 ANNUAL PERCENTAGE RATE applied this period 21.15% PLEASE RETURN PORTION BELOW WITH PAYMENT. :2P"a1Ce 0000000 0 4121741459844051 03 1032860075000832868 New Balance $1,032.86 Minimum Amount Due $832.86 Payment Due Date August 03, 2002 Total enclosed f Pi-pria d,&r.r ?6ego brtam rai gMaem R.AiA So- Apt. 4 City snag ZrP Home Phone Alteroace #9018593423652226# MAIL ID NUMBER Capital One Bank REBECCA J CLAIR P.O. Box 85147 18 N FRONT ST Richmond: VA 23276 LEMOYNE PA 17043-1327 r Pka write yore acmunt number on yoar disk or money wdff me &tayabk to Capp One Bank and mail in the exdwal envelope. r eeeee? f? eeee? I!? 8 s , O i O N 26 days =Autos Arlene Wrya an row purdsea, now .elan. trmrlem, rowanportrit Nodae f« payrnmMa apociM p«UUan ant row odor tlmryn H Yau pay yes tool 'New 8 psV a aceordwnes wAdr 1M bMOwr and In thne for K to be mdtad bd••eq data. Them b ro gr•c• p.=r=s= and epadal traroein, then Is ro 4naCe psrlod n any trerredian H you do notp V the , of Ilnv b. AAb sstilp F'enann Or/e. Trenssctbs vMitdn aro rna 1r?the dM?tlr vanmaaeanan tl=h.r tlm Me Ms I lraraecdonr b pro mmd to Vov Acoma or 31 fron, dr ens oloWr day d the orrrsrd being poled. AddaaWly, 'lbw 6atmres' fimn tlr prices if rid no pay the tau unpaid betarss Ind erdr urpNd.Neres b paid In 10. The mares /M you my so owe errs dutpr, awn If you pay tla arum New Bererae Heated n the from a yes araMSm by the rare rtaeonera doW g dete, bat did fr n n for the paasou marab. UnPdd eroroe dvrges an stfded te the aeprra a You Acopslt. t e. Meiw. fin?me ? _ . Fa sadn binge psdod tl?et td. 2. A, a. 4NANCE CHARGE of $0.50 wa be imposed If drs Yrarn. drrp reoldrq bon de aPpecatln a b ,Wel b lea darn 10 6o, we wY mbtn« 1M a Iran is $0.501NNnu and the aleeNnce pus be m the pedrss as?noK of VSSS accord. eery aeamfee m Fuse urge. We mores 11w a not assess any or am Hone derm" for any given Daay asrse 11n.YW?p Naw Mrdesse 1. m =b4= by nrldplyeq ds dNY » yes srzovt le.o_ • eon err Grp Is you. pM A and of dust do Damian 1 Wy?A 1r{Jp=oaM m you. Al as and of nut de duirnp M of veer a000 " S d?aYYy W eadl as. Than n the and of the Gip period, we add tp rw u frarw dndm sz V0, ===. we we am ge p t amrr. for you amazes. To pet the dMV Mann for sadab•rg• n sapnerr a tees aeeoum, vro for the badr•ing .Yarn= for eseA eeplnem and .rid may rrw treltesceara ant anal. perbdc errrta dalge Mutated n the prowxs dsy's osao for do=0 s. We tban wbtnd mW P.vermn as as=ps as of itm ate door aro albesud m the asgesm. Ttaa gives u ss aaparne a.ey boFd for eedt agaat d yea atsoua. However, H y. paid ds New Balarnc. slaw m your prsvias atnamox), I ass if yes now b ich von taro «. «eat ernasdl, sew trorsactbro =Nab pat to .00 yar gadsse «;; y the awepand dvisng dMyy__W dessmuum Medsrq N ? We babrree teg•dm M the nmbar d the msse in the ol.rerd hip eyes. To eNNm von tool nroro. cl era. tlatMON yes a=reas duty band..v dm 1 antra" of Wh GeV, Sao MY mybea trsrractforoM ? l each aeon=%ard wlsract? or -d... IH the .da N a?aam an tlr h«t stalso-S now m ?a,im. rem APPeed Ta. YYa ala0 sWtraet any upend ere . large nncinnded m ds balance a sca=t a?7p1 rrwrym.) Thb give u tlm dyMy 'A19 mes d aaoh =is a' aMd awda ttottN ••dr he lsllmp p.11oLL TNa glues u the avers tidy bdonca of each selPrra. 3. Mul r?oam.aa Ihras IAPRI. a. The tea W-1 Peo=nage Rats' my appear as APR' on the from of die steterrars. b. If the Dodo P Wim1, L 13y . 1.100W, C (Card6ca . of Deposed, or S =fd Pim) appear on the ford of ads srstrsr?mrareepo1n a1 pdre peioae rm1.1 1 0 e rates and t an ANNUAL lS91C S d AG RATESR en•Y wry rlusrtalV and may eroaess r dssaeree based on In wnsd indices, as bud in 7Ae Wee Sonar s?oraldC?namr?nggaaa vesl, gene tla mrpm omMa+dY Aetload m yes. na ba • w n ds direr day d yes .akr0 pellod C.VMed Dy Yw PSiadk ¦etnlala errdrnp the"prewatmY OIap.W m van. I Ines uanga veal be w on Una amt My a yes .fang W16d each mrak t. A ...-.1 of Lass, Oland and Reassert ==F=s Yw accom w=7:1-7b= dnarr fisted ham Ow pMo=. Under the term a your ortonner ayaersant, we mares tba ipm to valve «not 10 •aeea 7.0:0 prior rlade.tlan m Idus Z np w m aaSen dre seen « Wniler er a later doe. 6. Yw Mass. if a membaleip too •ppess n tlm bar d tfis etatetrom, rased y. he t.o yes 30 days lrarrm the dm tHa eratamad wa m avoid WYI^g the Maa«m how such be credited to you if You cerncal your rolad. Greens /Ns Pealed. you my nxrdrds m use yes aeon wheat h ft to pay 04 nodhu p ceaeq Gutcgeipser Reiedars Deperpnoa end pay Yew Baerl.' In full Nlskidap ds 6. R rOe r?i as W yV to lee i t dp.Period. yyesae etcous by coons w C m= Ralmaro Depemmmn. Ypu mrm destroy yes crdt .dlal and etxout aetsn does., .reseal M Pro•ed+•r+t•d belkq, end nor uWq yes aecorrd H you do rna crn.l Pl.nshoit.d biting .rto9.m.rdf. rw xal tsrrider =pt or a large you odeadtatlan m mopan you amen. Adadnally, yes amours te=ll n« be tlaed udN you W Y ae amour ypu ode u InduAna my valrsedoa you hew alrilsdsed, ernarnca fasrges, pea a,. less, ovalemit M., Istultd peyamm tea, ? adverse lea end canny otlr tau =: ""W" amour. Sou m respasme mss , " am- n yes acan,a al dm IYa pyauu ragnser to don ors sown[ a th•l' am mwred ¦saerinmi to your rsawt m doe the ,e.rat. This my vomit b yes eccaus it it hoe atesdy tnson daesLL For exampm, H you auttsrisad a purdless a merclwt old we reoalw Una been ten from ft em mss vv after yes aco-S the an has been does=, your e" to be reopened, an mown of fi:=: M M ed @mm and you will be f« paynrt H is a lMm is t0 11aeWW, m amI1M ps1111Hted by Im,W, twdp me account belonce hes been peq In Li n desrod above. 7. Using Yaw Aaeoad.Yw cad or se.lee co rat be uncf-in oersneadon with any ksenat poaberq trmmaWans. S. flerisa Aso ®aeYer I three conversion. VA- you ::Afton abaMedc V whe=to s to electronic hind tsroer 1mm you bars acoonra « m Ipsamlonrnarion eon ytlwer mm mtrb WnrorYe Inand traalo, sand. meY ba oedrdrrayttl frta Yw Wok accanslt r etrn u dm ram deY we roaiw Your noel= your dock Wdr loam alLLnG RK)NTS SUMMARY Ion Can Of Fires Or Ormsdoa Abet Your Biel R pu dome yes ==. « H ac irrlorrmedorn on e bR, vvrlrs m u T. ."'M Sheer se soon n poaYlM at es address for =rise shown an the Hard a tNS atetemod. We mast we rev you ds 11 me fiarn you ro Wo titon a0 dale NwsnW. Ypu eon em bM n wltkan the error « app Coe w Outtonr Rslatlars raaebss, ben deelpse die rot q yes dpae. In yes brain, give u the y roam-, :followk =aeon es rem and .noon= mroue of tlna auapaetW anon, a daserfptlon of des a- nd an aplwdon. H Paaaesa, of m vAv1'v, you believe them is n err«; « If you need =Y or.. n. • decdprbn ofthe imm you am trrus es do non hew m tmY •Mr you arrnauR m tpsadon vrhM we aro mvo petklo ttm k, hensro not an elM ales m MY the germ of yes b In question. inwoo yes tpanarn, ten tarot report you we or Te My eedn m a=bet dm t,t Special ode For Credit Cold Purduw K you heve a prablon with the eaety of property or eaNieM iM yes pnrdmoetl win , cmdt nro and yes Isw tiled m pool takh m nrmci the prerimn wftn the arno-t dr you he haw the dpia non to M ronaeirq pay baw tale arrnanad due on the p !ieSty « aarvicae. Sou 450.00 ody vinen ptrdrss glee tees moro tlmn $60.00 end des puWw woe nude in yar hone ¦um or adwnsamd inta your malrp address. m tees own ass =10o 0 =pr«opMeny a rrrAm, awe purdsses ,ro eovarad rogrMn of mown or location of purchase.) Pone don m sign .4 .rrespadmroe. t Roar nor apply to mnrrrnm non-aedr cord /COO " t Does rsf apply to brabms ---W cord accosts oeponn s inleaation privacy irmadion, see w REV yneled nM. mark of Capital Ai d t reserved. a 2003 OILOLBAK b. H the code Z or N appears on the front of rand m *ad- Rare Mooed To.* we . 571395 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 Mondeythrough Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Make A Payment Today! You are eligible to make a FREE check-by-phone payment. You may be able to avoid late payment fees and increased finance charges by posting a payment to your account immediately. Please call Capital One` at 1-800-955-6600. We strongly urge you to contact us immediately to make payment arrangements. It is important to prevent further damage to your credit bureau report and avoid permanent restriction of your account! Your credit directly affects your ability to buy a new car, obtain employment, receive a loan or buy a home. C 2001 Capital One Services. Inc. CapftW One is a lederely registered service mark. All right reserved. 013 Caput Cw Account Previous Balance $1,032.86 Payments, Credits and Adjustments .$5000 Transactions $57.30 Finance Charges $19.17 New Balance $1,059.33 Minimum Amount Due $859.33 Payment Due Date September 03, 2002 Total Credit Line $200 Total Available Credit S.00 Credit Line for Cash 5200 Available Credit for Cash S.00 At your service To call Customer Relstiaa or to report a lost or stolen c"- 1-800-262-1493 For fee online account savim and spend automv ofim, log m to: . .npmtoan_ VISA ACCOUNT JUL 04 - AUG 03, 2002 4121-7414-5984-4051 Page 1 of 1 Payments, credits and Adjustments 1 03 AUG PAST DUE FEE CREDIT 525.00- 2 03 AUG OVERIIMIT FEE CREDIT 25.00- This is our third and final notice that your account is seriously past due. Payment must be received within 72 hours to avoid action by our c0ection department Transactions 3 04 JUL OVERLIMIT FEE 525.00 4 03 AUG PAST DUE FEE 25.00 5 03 AUG PAYMENT PROTECTION 1-888-527-6904 7.30 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed to your Capital One credit cud based on your month-ending account balance. 1f you have any questions, please call the customer service number listed above in the transactions section of your statement We understand that sometimes it may be diffxwt to pay your bill on time. That's why we've waived past due or overlimit fees for this billing period in order to help you remm your seem, t to good standing fewer. With our fee waiver program, more of your payment will be applied to your outstanding balance, thereby reducing the amount you owe more qukUy. Finana charges will continue to apply to your account, so it's still in your best interest to make the largest payment poonble. This waiver is for this billing period only. Send Payment, tot Send iuquirie to "you are a valued Payment Protection customer and may be eligible for benefits to be paid to your account in Arm: Rmsittana Pmow ing cases of disability, unemployment, and death. if you have agwienced one of these events, plea: oll Cspial 0- S-im Capital One Savior Consumer Membership Services at 1-888-527-6904 to we if your situation qualifies for a claim. Your account P.O. Bra 95147 P.O. Boot 85015 is 60 days past due and your coverage will be suspended if it reaches 90 days pat due, as stated in your Rkhroond. VA 23276 Rkht d, VA 23285-5015 Payment Protection agreement Pmattce Charges P&au see romrreride fbr impoda d iinirmafm ad.,a'r a tb.rra& R s 6rdro Cfdw ?l PURCHASES SI067.10 .05795%P 1L15% 619.17 CASH S.00 .05795%P 2LL9% 6.00 ANNUAL PERCENTAGE RATE applied this period 21.15% 497435 PLEASE RETURN PORTION BELOW WITH PAYMENT. :aphWCW 0000000 0 4121741459844051 03 1059330075000859332 PI-jor"t aik db-Z. kiam sasg d6a orM&AiaE New Balance $1,05933 Minimum Amount Due $85933 tweet ApL a Payment Due Date September 03, 2002 a,y suot ZIP Total enclosed $ Pharc Nocesu Phwe H m o e #9021693423652229# MAIL ID NUMBER Capital One Bank ! REBECCA J CLAIR r 1 P.O. Box 85147 v 18 N FRONT ST LEMOYNE PA 17043-1327 Richmond, VA 23276 iuisiui?us?s?iuelti?u!lutiiu siius?lus?iusi?nsiiusi ° ?nsiliut?i?unlu?ai?nuliuiinsitilnsiusi!letins?isi Please urine your aaount number on your coat or won* order nude payabk to Capita! One Bank and mail in the enrlmed enrulope a>, a? 8 O Et5 O N a iniuhsan mr m Mw s000?ds11L'e Wm 1t1 Nalce for psynso and in Inls for It b be a?idced by your aaana t doiq doe. These 4 ro qep Pedal on no advalaa erd spacial tlae/e if In sedation, these b no areos period on airy tralactlon If you do not MY lG taml 'NSw or aaao. (n the statalwm N ns tto any r daily GWIa to sr yOIK aceetre H n to Nlaedy Been data. fa sanupM, MIK. M mle ale If Y«? eWIW@ed a Nm?u•• seem • wa1Wa end We aadl day, edtl my new IealN the trw•etlon hem the nrmham after you fYbttabt any PaYrwa account ha bead closed, your account WIN be r•aporrd. n Ir tram of was to arrant d are tlr?paea wa G fdeW m you accatar, ppMd . M as and you lnla G e spN to P.yam. n ltwe la a hdrAd h ton balarta msrrterahlp M for tau acaa, tw Ip wa rn+kes by ate total pw u th Aesnalp falter tller0e. TrarreNas which ate rot 1r?ae rich d?ar?traswaMah?from ache b?m?Ilet ) ploceaad m you Auxvna a 3) flan tG trarseaon is San coladas, day d ton wrest bMY'Y P«? A?tsY. If vou cast not tG 6D W to lfeae mis Ica wen W.GO, M ow •Nmppee aav batalrs m earn trpaam. Masi Vtireamepa st,tw IAPRI. a. 711. hro 'Atswal Psbwmape Ram' ray appear as APR' o l tG hart m Wes statasem. b. If 1M cola P fPMty, L 113+re. L18010, C (Cedscah of own.w, or S (.accost Puns) apppe m aleslrae o dem rule aflawters m tle IAL nrWa), uIS ped ATES rata and AIMIAL P61CFNfAOE P may Nrv zw:Mtnsets may, , as daasas Geed a fre aamd , , aloud In The Woe Slower .IolrnaG P? ate maryh qpn•vlpsly d:ciaetl m you TGa dtalpu wa G silsclvs m dr era[ day d you EYYnp DadoC eorsrad M' Wur Paioas fuYemwa erttllq 'ca anar nos' to tie Peneac rate W, sew Pand c?wawdrp ANNUAL PFIICB Ala RAMTIrSOaC X"' Nry mi naay ==sane or tlw. Gted on the roared daa, as p food h The WAN Saw JeurlaL Plus lo' as r, n pmvf 16 dedaad m you. Tfae .ropes won G sthNN. anrteslat day d Your barq psiod ooh momh 4. Aaawrlt lath, calcites Wall RGVAnW hymaa iese. Yom •oewh v dl is papaed conas wen two of ton iw Seed host, the ocnr icon any falling 0, psiod. Urda the tams d you ctaomm epsamenL M IwM Ills dl/n to walN of not to saw arty tap wlthar plot nadieaaolt b violas walvkq our ride m saw the woe a skier rt • 4br 11111.. 6. Yaw Aaeelwl. If a h'aelbstslip M do front of this am 4. 30 faPPyeea ton tYte Iia aatarl w malNd Ioyou to awfd paykp tlw fe a m GN arch lee Ise m you f you earlcal your •ealart. f)tslolp cis paiad, you m,y ardrur m to your arsour wrhar GNIp m pay ton melMadip its. To eerlcN your eealrf, you mot ad Pay yew Ne in full (amino ate manGri iW plw « m th ad of the 1Nrty-0ay paled. 6. P You Clop Year Aeaoul. You can I m dssa pyaurt accent by aalrp our Claaer Reletlaw oapartmam. rm oat decoy tea chM .01111110 NMI account fusses chocb, t:alal as paauatadzW bang, wd caw you accolas. N ym do not canal prelrtad:ad analparlams, m vi testieVaurr omuaaASddtl?nWr1Z fooouf walblbt bs cioasd uN you payyoui dw toes, ra you owe a hdtNrlQ cry o GN s,N1e112ed ynsee to ass, C' peso os ovaamh lea, munlsd pfymem ass, Wl adeft'ea tw and wry oalar fep laaraW b yarn feeolra. Ym am lppadcie br sea amaee wMher ?appssr??«a? ar?? ?? am m yaw eQleal m dose ton arwsum. TIW way cult h .harp- ?pp-*V on yew aetolae -her you GN to G due m be anent peame0 bV law, umR ton 7. lldnpaYau Ae R Yu u a aomult earlot bpi N. used in tsrvrcaon vast «ry kfelrlet 9ansia q ttatrcekrle 6. fulls: Airwt 9aobaNa Check cwwaadl. YYRM you a Ulect a psymas, You aratrd[e a eiltwr to on,hfoanatia from usem you drek m male a ae-drns slfciraie find tlawla he1r1 Y•Ur balk a:oous a b floe usa k hmmtMmcan Bw ppaW= q you • Cieck trreaction. YY1mr1 ic dart to malte an elaetn kinals, my furs! Inanities. to b. wia torn aeCel11t AND p coan l as as ate e day y M M teeeiN yove yoba bard your wYm«r and You VA not recsiN your dart heck frown your lkrrldal institution. BILLING RIGHTS SUMMARY (h Con Of 8 ai Or Oiesdons Aber Your Bat H you th" your NO Is erierlp, er If ym reed more irlfotlllaaan 011 • varacde a bi, vMe to tr on a tePelra shad' a scorn a poeaeN R ton adbw for hQeaa on*- on ton fiat of tli ernarleln. We moat Mfr hem you ro I Iel 80 •fer M amt you ate Act N m vdach It r error a apppwd Ym Can all our tlaraner Ral " naober, low dohp a wa not wrp Pea" you ayta. h ==' rdomabrc your MrM ttumba, ale the sec arrlolaK of tie auReetftl errs, a of dreripial the error ales a 1nQla'•Ian, n podbN, m you =11.1w e ens; a If you used mate , ale hen You ee urido rot h any arrant h Qlestiorl M:=Y- it.fit; h, bu you an eta b pay the Pans of you bid sort am not in Qatkn. M W-slitiete Your question, M cannot =you p or ke wry action m eoaeet the ci? $,t Special Rule For Cruk Cam Pul draw If you hoVla[ a preaas WthuaMtho Qwty d pmpaltyor seMas you putl wfth a tads am ant you eN trued h pad teal b arlwGi Ile problwn 1MIh ton merdlom, hoe al ar larlak inp emaaw dw on ft tG s o r trN properttony « wrl rldlt ricatw.to psyrm e ird tMwlla tG prdlw mks Ma mess tlln 1160-00 viWn f 00 mMe w med. your Ilonr Aare or yrtu m+a10 adiws. 01 M own or taar?'.1tm'p uo"en a .adca, theR msGea sat aYarod ngfrdee m araous «laratial m purcira.) Pkew mlerubar b eipl N ansepadasa. t Close cot apply m co sunsr rw Wft cad acorns c Dose nor apply to buok as non-KW card accanrs Ono appau h/olmatlon privacy protection: w our a1Ma -,k of Capita d.02003 O1LOLBAK anaus fran ate .0.60 nirlk1ne11 std des aflsrarce VA be d. ==R= In Fk wFohnes dOl«Youp.feWerocaurlt. f rv an. the dIIIIA to not aaa erlaytoakiilpMrla cG1ga for srry givn 2. FR?ioe9 aoweMWma by «l/t?i[4dra/1.?Y balsa d pol aPn«s m you account k.4. ash adNrla, ptraMr, apert4l irarrta, end apsdal purdtael by ? diY P«bdc rob(es) tlut Ilea bee predasly rMeloert b you. At ar o: d edl desy ton Nlrlp o•ded. M aply tG dNy paladk nm for a •ep•s[ of yew •ccaaa b th• :Mane. d aril agnam. Than at ate curd at ate patkd, M tad W tG ftf or Ira " si-ons m atrial a ymr. MA pe lp?y = f?>n ?dl• w1or to 1" 11 the srwo W 1pt foryaeaoceus. To a« Ir dNy balala for each afpwa'11 d yon aeeaa, M bb ton bsymkl0 balelra for each .apes rd add rrw tyr prowl do praMOls and sery sterna dwpe ill tm a W aY a f« Irt fgrwlt. Ws Ulan auubvaci sty = that to I?i•tw•spnar. 7fiff as fepartts rlasy balala cabol for :aril aspnam of your nsant. How•yer, ol you aid the New Bfiala a1rVm on yar fevias strtanlars h iW (w =-. ==== alines), new « apec4l plwcilse == m not sddW b the diy behrses. We calculate dNy Glans by addllq i ton diy balance tap % and dINA1lp the sun by the crudest d the days h tG 1rriltlwprlyMklp .yds. To Glaris[: your total finance Glw bpi W«141.e?nuye? a ymh rib 1q asQw Nellfa hetseaal as alctastlon erd ton amass d 11t•11a dl•la •Cet•6yr e•••••d b. N N aPperw m tlr her of this the Itmd a11e Z a m 'Balalea Rrte Aoosad To.' M mlNloh iG 497435 Important Notloe: 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. Make A Payment Today! You are eligible to make a FREE check-by-phone payment. You may be able to avoid late payment fees and increased finance charges by posting a payment to your account immediately. Please call Capital One" at 1-800-955-6600. We strongly urge you to contact us immediately to make payment arrangements. It is important to prevent further damage to your credit bureau report and avoid permanent restriction of your account! Your credit directly affects your ability to buy a new car, obtain employment, receive a loan or buy a home. ® 2001 Capital One Services, Inc. Capital One is a federally relitterecl service mark All rights reserved. 013 ?ow VISA ACCOUNT AUG 04 - SEP 03, 2002 4121-7414-5984-4051 Pagel of 1 Account Summary Payments, Credrm ad Adjustments Previous Balance $1,059.33 1 28 AUG PAYMENT RECEIVED - THANK YOU $40.00- Payments Credits and Adjustments e 1 $90.00 2 03 SEP PAST DUE FEE CREDIT 25.00- Tnn = au $57.21 3 03 SEP OVERLIMIT FEE CREDIT 25.00- Finance Charges $19.47 New Balance $1,046.01 Minimum Amount Due $846.01 Payment Due Date October 03, 2002 Total Credit Line $200 Total Available Credit $.00 Credit Line for Cash $200 Available Credit fm Cash $.00 At your service To all Cummer Rdafiom w to report a lost or stolen can : 1-800-262-1493 F. firs noire aanemt savior and sPeo¦1 aMOmc off-, log - to: Send Paymmu to: Sad inquiries to: Attu: Remittance Pm using Capital One S-i- Capinl One Saviors P.O. Bar 85147 P.O. Ba 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Iamorotnt Account Information Capital One is a proud sponsor of the 54th Annual 1'rimeume Emory Awards Telecast. Tune in Sunday, September 22nd on NBC from 8-11 p.m. ET (7-10 p.m. C to see the talent you've enjoyed aver the past season unite tD celebrate another year of groundbreaking work in television. Capital One wants you to be a part of the acitement! Check out Capital One's ad in the September 13th issue of People magazine, or visit People.com for more details. 490655 Ttmneactiom; 4 05 AUG OVERLIMIT FEE $25.00 5 03 SEP PAST DUE FEE 25.00 6 03 SEP PAYMENT PROTECTION 1-888-527-6904 7.21 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed to your Capital One credit card based on your month-ending account balance. If you have any questions, please dl the customer service number listed above in the transactions section of ymr statement We understand that sometimes it may be difficult to pay your bill on time. Times why we've waived past due or overlimit fees for this billing period in order to belp you return your account to good sending &ster. With our f« waiver program, more of ynr payment will be applied to your outstanding balance, thereby reducing the amount you owe more goiddy. Finance charges will continue to apply to yaw account, so it's still in your best interest to make the largest payment possible. This waives is for this billing period only. -You we a valved Payment Protection customer and may be eligible for benefits to be paid to your account in uses of disability, unemployment, and death If you have cagwierred one of these events, please call Consumer Membership Services at 1-888-S27-6904 to we if your situation qualifies for a claim. Your account is 60 days puce due and your coverage will be suspended if it reaches 90 days past due, as stated in your Payment Protection agreement Finance Changes Xmuerw reoerrrsrde jar ramp dmd informfios Bdwr+aa A i.& C- M$ *&Jae PURCHASES $1,083.94 .05793%P 2L15% $19.47 CAST{ s.00 .05795%P 21.75% $.00 ANNUAL PERCENTAGE RATE applied this period 21.13% ? PLEASE RETURN PORTION BELOW WITH PAYMENT. Ones 0000000 0 4121741459844051 03 1046010040000846012 New Balance $1,046.01 Minimum Amount Due $846.01 Payment Due Date October 03, 2002 Total enclosed f Plsaap.nir.Ja a s6age, bs6iro ra.Tm-w U.4 eaL Suess Ace= Home Phone snore #9024793423652224# MAIL ID NUMBER Capital One Bank ' REBECCA J CLAIR P.O. Box 85147 ? 18 N FRONT ST o Richmond, VA 23276 LEMOYNE PA 17043-1327 rn ?_ 1.1.11 ... all Pleats urite4111-7414-5984 1051 onyx chat w money wda madepayable to Capital One Bonk and nail in fix emhnedenwAlpa r ar_ Mansell a? ISM t• 8 O , 0 O N n"mum grace period of s r rtewv pwdras, rtew pudteeas end anew odwr accord ere a wdtr the Yop+rtm Hodcs for psymema blow, and in dras fa It m bs raeaed by your next marmoset erraped wM taw ra in a dtla= b -.h M any Q adwnces twrwaNen if you do not pay the wW NewPeriod b. Aawuko FYrw CAwaa. Trrwdiorr Wide an ant 1r?ihemdaa a?Uw?nrteaeem a?2) frm the dew Me I trnractlm b prwsord m yea Acooup « 31 Roar rite Rat a d not day a to m BM blal9 rood Adakmdy, if dal not pay ttr'IOw eNrna' from the pnwiw yar raVdd brbnw us) !write .= balwree b paid In tell. Thb estate dM You may pal owme Rlop duryea, ewer if you pay to earn test U. Indicated on the luau d Your paaraerd by fro mere manna dosing dm, but did not do as for Use M"M mwlw. Unload t finance Cho a your Acc- ate added m to For eerie meptwa6Mregoo tot c kilserant FMa yW acceam b ¦¦?a{{eexc1? to • Runes drugs, a mirirrrun tool IaNMICE CNA7KSE a w.s teal se lostio d• of If ate teal terao a meal nwkinp bow sorite ap0 subtract yam anodic test(!) blame earn w., cow wale wOtrad that amount hen to w.5agam?nlirrl?taan and list accouret. d. Trpaa next w1p be Rortlwsslti hMrtl m row fx OrikRs. We reeerue d rite Flrwwe w Olds mppnot bdaaasaa any or all frwwa r3wrpa for any given 2. pu= Dally -:'1r" ?y Mew HrIM-1. a. Flap dterpe Is cpadewd h' naplWYwp rite wua dally belerra a eeeh eepmea a yew aea le.¢, ash adwrnee, purdrre, aP+blal tnrrkr, and !pedal pwdrse) by rite eawaawdrp dNy Peuo AI to surd surd d at f a eat each day lee durip pwNarly dbdwo a War. the OINrp prod, cow apply fume tl ly periodic wu mr asch aspmrea o1 War !!tell m the hay Ippp p "Ch row rawoac%taTh Than p 1s) ofb wlNYnpm aruwe w Wad ado rpn0 ped '-of 11 .reps (or aria wpnwt. Wr to neuter from seen asgwpd m .pro r the totalapence= Rrop drug Some you !rennet. Ta pp rite My bNarp for !aria rpmrp a Y+u arrant. +wre?ub fist beynkrp raid Prowimw hy's fro M?Ff Rrdowmmdwrys rt we sala #f ws dwaead aW t eepm paymrme « ergo posted as a Van day r art an !!orated m mst !spasm. TNa y I u the aspauts deal babrp for aadl aepmrd a your aecouaa. Howwrer, H You oald dw Nsw Bdanss sfwwn r you pwNan /utemrm st fiA for if Yarr raw balrp corzee a cleat mwnl, new trarracdola ttrJpad m r+u r purcluess or special pucirr erpnwr adte rot adted w rime MRY .-• y ealwm ate awrga dsaY burp by sdarp alma deity ewps woplrr a (Nan ql. wan br row nanbar of pro, vwm may be a bon and the smous a periodc and. To obtain IAe !wraps daily l deuce for due oimY rrnaed bV dime w+twn«rr. Yw Ub ate bNato strah nee a segment, and rdl tr t e add any new ma?eats. 1 dw coda N app?a trend ?ri statement roe to 'aalrp Race m else estara n my unpaid Rrnarnce rtoq ilnclmisd o the balance of each of radn saTpnrrrad ) This pro u rite=b"- ddally behaves for am:h aaOlott br,fr bllNrp period aM by te tall nlnmr bMIIp This u to =%2= a each aegmem. 3. Annual Rates; JAM. a. The taunt 'Anneal Pernmape Ras' may appear, me 'APR' on row had a tllb nateeem. b. H the cads P IPline), L 13-mo. LIBOW, C Mwrdllcaw of 0+p+ol, a a IBere(conducted ridte =d Pima) !prmetal, een r rite era Iran of tMs pstarrlam rates rd txnmtoorlaln ANUAL PHICENf. RATES maY wry gr eedy !aerial may frnvaame «drewne heed on the audadides, r focal F TM Mho Sere[ JWrw6 JAM the margin orwlary d ederd to you. Thee wrst e w r rite Run=tt a you call testae( by You prlaac .4ay 'Y +rnarq h rite maaw Januery, Julyy and ocabor. c. If the code D Rtwel, F 1 pro. LIBOR) «0 (3+no. L190A Rtpriad M«nddyq argue m th hen a yea pproa react w tlr pmiodie meld, rite psdoAe rase mega VrewateY mdrse w you. t nee me ""' wa be 'es tlr Rot My of Y+u+ bMltp 4. Ass each mardL dof LMM WpNrt and Returned Paywwt Fes. Ymr account we be mm=W no mar ten two of dar frw limed hors the cedar duke any blit Poo. Und the wood of you rxromsr spesntam, coo reeerw ate right to wow se red w assess any feu aitronrt prior nodication to Waort eu coq; W dpt to agar row tare or dmaar a a -, tltlw. 5. te die H t mwtant. y p fie appears on ar front m of a die natemaw, you row 30 +hvoWM ?plyenp?t=am to h. -.1 Xg crMwwd to Wu H you cancel you account. Dump =6=% yar gawp Wtl"moo a notl Crrstenrr RNmiare Drpar.m nmenrdrP+V 'NSw BWrna' o atl lenduaeq cos a. H Yw cbr Year Amount. You rsguest to close yyoauur odwt by dWtp tax Cuetrwr RNadar Ddpanmem. You rime Matey vow treat and(s) and axoua ape dnaia, caeca a plWhodzed Mr., and core you accent. H you h rla arnrxd gewMabW b?itp +rtaganams, ter Wa rorida reosipa a • tlrrpa Y+u+ arrtetzatlan me wopr ywr examen. AdatlaWy, you leoonrt wM nol M domed ua yoo pryyA arrouraa ysu own u NdndrnQ array trrrecear ou row etlteuzed Rrnrp n pea Ate teas, owarlYtst far, muxtlarl PnWOt tow, ar, a.A abap Casa ad pry awn tree !erased U your atx:eat. You pro mporW W for fluor anrudts wlydrr pum n the tin you wpwst ?rppeer?m pmwraat to ally In kcrtrd elwgst w van reerw to der rite secant. TNs mar rrut n Your anxaut If A few dnedy bear domed. For mample, If eery t::d a gxdwme hbm a mrrdwN and cos rsMwe the he twnadbn from the mardrm afia ywr aCCaar has been dared, yar aaeoaa wM be exported, the moue of So drrya vale be added to ywr account, +mrdmy?o?rdwdMD be esporiNtle for payment. H dwo Is a to he draped ro ewem ps by 4w, u the !recur ANwroe Aa paW in. tr dsMted Now. 7. Uabg Yaw Asead.var card «amme amment cannot be used in Connection Wen arty Hemet grWang 9. Nona Mara FJaaba I Glmek Cemwrakp. Mean you preMde ! dnack ee paymat, you aued:s r (War to ur kdmradm helm Y+t+ clnaek m male a !rte-wee alaseerie IoW tlrrlr flan you bark s«sut or to Propme th gyrrr«n n a aleck trrrrctlm. M11ten tea urn Inmmradon lean you tlteek to mob an Naararde fund nadir, funds nwY M wddtd- from you Dark account r roan as to saws day cos naive Your nee" your cwk back from m1mneMro. BIWNG 1110M SUMMARY (in Car Of 8 on Or Question oxen Your NO if you akk your be Is -% or H You need moo Manned- r• U-smnien a be, wan to a on a eapamr Nwp r non ss passible m it. addres for klgdAN drown an the 11a t of this patron. We nut Mar ham you n Ian am 80 hye pep test a.t you the Rat bM an Wich ate sawn «peblan appserad. you Can as our Cusco l er Mirtlarr msser, but dome me WIN rot rr?foasn tlar yortr rnmrN w d axaie?m a ption of t d?oN?r !moue a ate suRasted at«, dmeeupden of the xror and as OJttawYas, H =01Y7% baaew doe Is an error: or if you need mar M+crkdon of row lom you an (reels Neu. VW do red eyed w pay arty bu you , am so col p?te?sodra ws papY we sn the k*an - not in grsdae lMileMwedp?iN _ heuastonY we rarao flood you you you Prsst «wb pry agar to wleet to S,t Special Rule Far Celt Can Purdu row If you row a prablrm with to gaiety of property « rndaa Ulan you peacero Ww a and red you row wed in !mWw m (rev In Problem win, to mwrvoit. you spe to ripen na to W y rite renaiire .mart du an t. pr uoperty « senor. tau row rile on and Wa radarwtes nude in your Ironu n er predate aka woe rmae than $60 00 !meal 160.0 t(r sum or W Wn 10G more al rarr naWp adaome. Gt we own or oP+r+w die madam. « N wwr maned you des sdretlewrrsta for tlw ProP+nY « rpNw, dip purdnmes pro awed roparaes a mood «loatir of puaese.) Flamer rrotlbrr ,o Nun N conssperndwp. t Dose, nor apply to arranro non-am* Card accoraas S Des! no, pp/y a 6radwr natcrar! Card axeaaae Gael One myaoas kdomratlon pi-.y protecdon: ter our weWha at -rrrzcaagpittNd1«onrra tram. 8;:h eN One Is a /edsraay rind rrwks mark of hphN rnraI Corp«lYOrl. Afi dams rwrw 1. a 2003 CaphN card 01LOLBAK b. H row aria 2 « N !pram an the from a Ma mare nod rtmd i atertea Rma Appbd To,' ww m ul y the 490ff5S 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 MDndoythrough Saturday, excluding holidays. Please do not use staples, paper clips, etc. when preparing your payment. Keep Your Account In Good Standing! 012 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, Inc. Capital One is a federally registered service mark All rights reserved. 012-0400 Capita9ow VISA ACCOUNT 4121-7414-5984-4051 SEP 04 - OCT 03, 2002 Page 1 of 1 Account Summary Payments, Credits and Adjustments Previous Balance $1,046.01 1 19 SEP PAYMENT RECEIVED - THANK YOU $50.00- Credits and Adjustments $100.00 2 03 OCT PAST DUE FEE CREDIT 25.00- Tranaaions $57.04 3 03 OCT OVER11MIT FEE CREDIT 25.00- Finance Charges $18.34 Your scheduled payment has not been received. Please remit the amount due appearing on this statement If New Balance $1,021.39 you have already made your payment, Please accept our thanks. Minimum Amount Due $$21.39 Payment Due Dm November 02, 2002 Transactions Total Credit Line $200 4 04 SEP OVERLIMIT FEE $25.00 Total Available Credit $.00 5 03 OCT PAST DUE FEE 25.00 Credit Litre for Cash $200 6 03 OCT PAYMENT PROTECTION 1-888-527-6904 7.04 Available Credit for Cub $.00 At yotrr service To call Oart%N er Rdt iax w to report a lost a stolen card: 1-800-262-1493 Far fro- od- a-Nt savia Ind special ow met offas, log on to: www.nprtaloxacan Sod Pay-b to: Attn: Reodhnca Proan-ing Capital One Savior P.O. Box 95147 Richmond, VA 23276 Sad inqui i. to: Capitol One Sepias P.O. Box $5015 Rkhmvnd, VA 23295-5015 485275 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed to your Capital One credit card based on your month-ending account balance. If you have any questions, please call the customer service number listed above in the tramaaions section of your statement. We understand that sometimes it may be dillicult to pay your bill on time. That's why we've waived past due or overlimit fees for this billing period in order to help you return your account to good sanding faster. With our fee waiver program, more of your payment will be applied to your outstanding balance, thereby reducing the amount you owe more goiddy. Finance clurges will continue to apply to yew account, so it's still in your best interest to make the largest payment possible. This waiver is for this billing period only. Finance Charges Pkansarresrrre ridef6r impartart ixfamatior B. e a cast Az: R& gyrdm P GE PURCHASES $1,054.95 .05795%P 21.15% $19.34 CASH - $.00 .OS795%P 2115% $.00 ANNUAL PERCENTAGE RATE applied this period PLEASE RETURN PORTION BELOW WITH PAYMENT. ow 0000000 0 4121741459844051 03 1021390050000821399 New BaLnm $1,021.39 Minimum Amount Due $82139 Payment Doe Date November 02, 2002 Total enclosed i 1 :1 21.15% Seeee Ape e (Sy suer ZIP Hour Pb- At- Phone #9027793423652221# MAIL ID NUMBER REBECCA J CLAIR Capital One Bank r 18 N FRONT ST P.O. Box 85147 N LEMOYNE PA 17043-1327 Richmond, VA 23276 cc m t? I11121 e1 11 11161111111161111n16ullurllu1111111611 16oA IrrrllLtrllltrttL-I-JLttJLtllttrl-IltrrLnllltrlrtrll-I Pkau write 4121-7414-5994-4051 m yow dA-zk err money order madepayabk to Capital One B-1 stud nail ix tole mdawd envelop. Ph-prvd.dbn. dents kA- ..g R. w R-f ixL F t? 0 O N PartaL Yw :rill Iww i rrrfimum sr+n period of pmur newdwwe MM new al mmi row odor =1=== douses n you pay ysr tout 'Maw BWrrn•, e aeeorderoa whh rite NrPOrtan Noun for WYmsos below, s I N tlm fork m bs ca6bd M yes rou sutemas «?d pipsdN trmrkn. M ad?dM¦n, e?wm N goes period m arry dsrowtim n you do rot pay tlr tool New bNatr.- b. Aoerubq fiusws fJrae. Trarnaclau wlich aro not er?ad m ¦ gran porlod an aawosd arunce drupe f ) der bon der law a eve erarosel r or or boro or I3) f- to t col on is (wcawad» pen WN ft p i. ben e. eeierWar did of to rarrsra bNkto lrl d. o AWhi"ey, Tma im ers trot you m « you pay the erNw Now Yon ernamant by to rra Doer roar dD w Ier der pwuas meta an added m fro wpr tc. earrlrraaa flrrenal For a t w s tame arve charge arge E of c,0 6 fotei ras/Wq fig rrksa to acct er to lance N Paid in Its. e"' Burps, even If led m der from of loWq ds», Du 66 M tfwco dwryss your Atxasn. inp period ant ?a ai tlr?tlte ?Qfm?pol?owrdm yOtR Mn !1?[wd lhat iw 61bMtn wMl Da td. Sls hedea N F 4?-W-- "was any or nryw . lA :"`p«rGw?e irao r='' receive to tramecdan from the meidom altar your scooters fen been dosed, yon aceartt vle be reaparwd, the mown of eve dmrye oar be added to your account, and yyoatuu rra Da meparrl6==if for ar«s N a p fm for yon wW comimle to be rimmed, to the ezrorn par I by taw, umll err aoparrl 6ienw taw Msr PeN kl p dearMd ibDVe. 7. ttafra ran Awwe.Ycur nW «aewaa carwnt bs road In rsrneNOn vlm any Yaaauet DemMinp 8. Nodoe Abd Hadmals Qwk Caroardoe. W ast you ==a dod` D•Yrnaw, wtlwdte w eiewr ro rrnalon ham Your drdtrm mein • one-tNw slodri do tt¦W ter wht Iran Yon ba¦k sralaaa « to panty the paynwrR a a tlrek trana«lan. When vw tenon your rdrek m male m oNCtraic rwe t lard octaPayyour iuduaion. BILLING RIOHTB SUMMARY fin Can Of Enom Or flueoleru About Yoiar Bill) It you shirk Yon bN is ware, or H you road more Irdornrolortm a trarosaim «611, write to to m a =raw Woo w soma p possHa in the adtlnw for frgddw door m eve from a sub state.4m we mates roar from yes ro Iawranon « err8o dapaB«pw»d. apYes earlVau you 1M eM lea m whrldr tlw ran rrw not nll our Messmer Sided" arrest, tan doff so rrloarYetrnarrwN ard?a its~uesuir?dw? amours a der otttpocud error, a description of the aura and m saplsrbtlm, It pasWle, of sow beMye soars Is w srM; a if you ensued more a dsaeripUm of the horn you sty nrorrre sew. You do not how to pay amy amass h gnwdm "fie r aro hw«IiwWq h, but you aro ado abllwted m psy the pens a yar_ h?tlrt am roar in ywadoa lNNe vas NwpfpM ya? gwnim, we r?rrwt rr?ay ? etwl arse any acim m roost the t,t Spw W We For Cre& Cant Purdeses n pu Mwtut a p-.with e¦ Y of property or you purdrod oath s ew6t nN sod ypu wrvkes low tried fitpod lofty m eased eve puotlse whh the mrdwnl. You mY hew eve rqa nor topy the ramakdrup smwa duty on der Property or sem ce .rote row Via ppscdm mly, tyros to Pis' sew mom dun 1.00 wW t . pudww vm N yon home "a or vdWn 100 wars of Your maanp adduer. Mera own I sperm err rrvardrm, «M sea maNW you d IdreNaernant oar Use ProperfY « aarMna, s1 pvduan am oorerM repr6ew m sewn or bntNn of purduse.) PNne mwnMr m aSQt off nmepordwn. t Does not ¦A* to cnwuewr a -craft card occoteas t Does nor spply to hawrow naFmA cad accoardr Capitol One supports interim m privacy prwecim: sty m wabalte as vrww. nm. Oro b ¦ y dy sated ww(ae mark a capital MM" Rrwrtdei Corporadan.rAYl ddns mearwd. a 2003. r. We reserve the wry. for wy pivm psAodc Ma. To abu hai?q dad oov«od ?hallroa 01 ten ft weir s ow». of d to the t cos ssamaw rwe 'a e,mc ¦o"?r?m rpt 1 of sesnrem. Then, vw . wPrrt t« **:% rO¦r a dap der fwlrla 3. Anrd lake On fro Pe a. The AP' od • U from b. D the cetle P (Prime) D moll 6 it" epaW, or 3 n r(Bonha oast M win and Net n "rrereorW M so sates atacw, w Janos" On the mxpkr Troea dwrww ni M e m awwpe deity nNrce f« the m7.9= , r ub the d.V, add my raw aid ¦d mYp Y^s Bean m der from oT tlp Wb Appbd To; r sNo draree brckrdad M eve bNerun ¦ n the dskr balerrn a east a ? a,?l?. b°Ny eMCpw tef°w °a`" i padod Tkb d" n flw d, a.pnem. l M Rarts' may appear w se o. LIBOW C (C¦Nacom of oral appease mERCBirAO ere trodRAT ESm afodlc raWei, Ile NUAL P fuc 71, «d.cwa¦e Dowd 7Yw Woe eases uW in wfaaly dNceaed» you. diva m eve oM My a Y»r n padotec su»mera erdnp I, .klyan??d October. mo. UBOIa «0 13yrto. yon gsa w r::- am a 4-01 ratty fe Me P?ea RATES may on or She a bond m to rM WON Sager Jovnaf, Ptym dad» you. Tiwea dunpea daV a YWr bikrp peeled 2. Averyi Fuay III lIMk- Slwe sll. : * 4. AammumN N Eat¦, Dv~ OW RdLood ==F% ; a. firsts dsrp b n1a61M tar ,Z; of Your balance - ( ? 6 Your axanl WI be ewmsd no mow east NOW 0AWQ OW ? ? Ve«R e ? r t ,rid aPO? M D wl e"-'ffeadam" a padei ro ra ia crear err o o tteres yon X by eve ntmp«dna d ily perie6e rowlN dust Ioa berm earn waive or not m aster ffdw tdWora Prf« ruoetintlm » Moody reackrM as you. At eve orW a weir w riodic, sew for each l " e s blM Nd asin al tot vltlwut wNMrp an riots m aaaese fro sane « simper m a M« tlm . wo opp Y a y pe 1M rp pa wprws of your txant m der 0Yy bWO m weir Wpk ri d dd d a d . 5. Yen Aewaa. N a rwwbsnhlp fee eaw on tlw Doe a thN amernere you to w 30 I q pe o , vas a rp er eepeem. Tron a th en der raauhs a ere rWt, e/ladldarw » IMw m , pp ' u You to dap horn the dots tl+b altwwn sew b t r eadrdw err wwprmierd c e yau T It You ?noa yon t~OuYV ti period, iflarnle Wrp forYw atnaaa. pet der ridyy beiratn nrremw w use your aeeamt WftW royhq» pay ere tar each aaprws m your acnua, ter ub err wprrwq msrt6sttlp fora. To eartnl yon erasure, you nut fail for writ ttdVaafd send add aerryry now tranwetiaw i 0 d malty w by talfto ore Crwasts Mlniarrs Dopamrrm dr rasWS nd f w prev ors Yuriys apbpelafe erwrias drrP rabdse aetrad m we tDw any rwrs da Irce tar aan w V a psY IrW of dte ei psrbd pto o . O Pdymeru or cw6w paerN n a ties day that ¦m aooeatad a e. a rw Cbos Yaw Ada wt You ran request to low m trot aspnerc TM glow _= wperdn dasY beilncs W der n If ffI yar rrrreuaY by natq ou Cunwwr Ralatlorw You saw lasuoy Yen c milk nulls) and De annrern you n osuever, err each wpnwd of yo« •ccauas. :::N M fi! (or ew Bei, atwvm m your p-A- a L p . as prw dearkr l Wave. axwn accew docks, now beano sew zem we cads smash), row fT = send cases ulnp Yar arxatas. N you do not uroei : oaoctlara vaich pas w Yfro PnWw « rpedY Pwwfwd= hNimp arranpernar•, vw wi nrWdar pudrw wyrMw aw rrs erwad m fro dally bNnew. we tl 1 f ro us tl6 b pen reca4f o a dwuge par ='*m w meanBowe ar Itcasre rra rat De Ad6torWl aentnt rp a nldlers der averapa Wv y a er O er-Ytssun by tlw ma sh babrtws» sd 6Mdnp of y, y . rapM you MY M taurouas you or u kududrta wy foul n der dap N der "row biuq eyrie. To nl«dse pe er dupes, pea trarraetlorr You haw ¦uutlwdzod, o y s den I DHim ot ma t d ? rp is ro -M- f- real) . now f- Ise ? ub o en O er r p n o i dally e s ¦ rid per m r m • dally bwN, tlww may W a accaua. You eve rnparwde »r dew amass alwdwr WON nAnce bseraw tl[b nlatatlm send eve amaraa of dry ppwr m year ardarra s der Woe Wyouu requrest to an kiouuad stade ufd u r «tlw d th 6ramn fie. ntaslY ererawae b. n der craw Z or N appuas m On from of fts snenrom y ose e scoote 4 your request u low den Ienutt. TNa wry wwA in meld to 'Beierlae Raw Applferh To,' M mdlply tM CDlrgaa dppl?Ikrp m yore aCaaaa aha yid haw 485275 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 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. Pleass do not use staples, paper clips, etc. when preparing your payment. One• • Employers check credit references before hiring new people. 002 • 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. 002.10D1 rsi°Jto• Account Previous Balance $1,021.39 Payments, Credits and Adjustments $60.00 Transactions $56.81 Finance Charges $18.72 New Balance $1,036.92 Minimum Amount Due $836.92 Payment Due Date December 03, 2002 Total Credit Line $200 Total Available Credit S.00 Credit Line for Cash $200 Available Credit for Cash $.00 Atyclurservice. To oB Cwtoom Relotion, w to report a lost or stolen oral: 1-500-262-1493 For fine odine --ft -Ace and speed mrtomer affaa, log on to: wr -pital-e- Sead P y wt, to: Send mgdri. to: Atm: Remittamee Prom ing Capital One Scvim Capital One Seri- P.O. Box 85147 P.O. Box $5015 Richmond, VA 23276 Richmond, VA 23255-5015 Important Account Infomuation Who should be the college football National Mascot of the Year? You help decide! Veit www.csyitalond»wLeom today to cast your vote for one of the 12 finilim. Then be sure to tune in to ABC to watch the Capital One Bowl on January 1, 2003, to we who won! VISA ACCOUNT 4121-7414-5984-4051 OCT 04 - NOV 03, 2002 Page 1 of 1 Payments, Credits and Adjustments 1 28 OCT PAYMENT RECEIVED - THANK YOU $60.00- Your scheduled payment has not been received. Please remit the amount due appearing on this statement. If you bane already made your payment, please accept our thanks. Transactions 2 04 OCT OVERLIMIT FEE $25.00 3 03 NOV PAST DUE FEE 25.00 4 03 NOV PAYMENT PROTECTION 1-888-527-6904 6.81 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed to your Capital One credit card based on your month-ending account balance. If you have any questions, please call the customer service number listed above in the tramacnom section of your atatxment. Finance Chatges P4 mime reverie Jide fw imrpadaW iinfa ndiew 9.Isae err A] ;=- •- ?pudm CHARGE PURCHASES S1,D41.96 .057%%P 2115% 11s.72 CASH 5.00 .05795%P 2115% $.0D ANNUAL PERCENTAGE RATE applied this period 21.15% PLEASE RETURN PORTION BELOW WITH PAYMENT. cw 0000000 0 4121741459844051 03 1036920060000836921 New Balance $1.036.92 Minimum Amount Due $836.92 Payment Due Dare December 03, 2002 Total enclosed S I -i Pkorprw s.mlmg.dA,- .a e-nuilrkV. kJem,uindblre s AW arL Smea Apte aty Sort TIP H-, Phone Alnrneee Ph- #9030793423652226# MAIL ID NUMBER Capital One Bank REBECCA J CLAIR P.O. Box 85147 y r.-. 18 N FRONT ST Richmond, VA 23276 c4 LEMOYNE PA 17043-1327 ?n?u?n?lnalallmalt!ln?latill rl?ns??ns?lns??ut??nt? ° lus??lw?l?nn?u?u??ou??u??ns?t??nt?nalllulusllal Pleven urite4121-7414-5984.4051 on yoty abed or stoney order made peyabk to C#dalOwJlan,t and mail in for endured mw1ope r t? 8 ?? O O O N tae. FA6np Oovasd Dy die aMaarn, vra tsr th bal o sa of each aspnwa each dean add any new true m rah egrrer[ ad wMtrad any, wpraoe a twdib. IH lh male N spa=n an the Saar of ties subtract std 70 'eMrtee Rae Appetl To,' we afro srafTact act ?ry KpdThb srr_0 tithe IdaNy n=led In Ih hearth of aarh syprlarc) _pivet u ter alrtee_m aadr awnype? lardy baW1Ca O7 eadr aapnaK. Areerol t+meadape Rstea IAPRI. a. The tern 'Amral sta Boa' may appear as APR' a OFF the fmd of of dris tla ms b. It lh ale P WaW, L 13irro. LIB M, C ICorofinm of D-DOM. or SIB 10 Pella) appr0 rn the bee m dfs atmemanratsrpodrtdtor qdo petiole mNel, th Orissa rmr and n acrd ANNUAL PERC9rTA0 BATES =w= rtd rn=7 m or deem based kdca, as he welt Sear ,Hanel pies dr mmpirre govlaaly dadord m Yal The c1?ar?pea ArN ba w ea nra sm ay m tar al b by YerK Psdo6e nstemmN solos October. h C. If th D Mnsl. de aodo ft 0 (Prim), F April (t a,ro. i. y?end?or a pa (3- LmD1res. LIBOR flagfad Madrly) sppsa won free of yes mmanrt rand to eve UAL arateW, tire orb a psdode ray ll6aeorrar ANNUAL PERCBITAOE HATES mry Ih maNn prsworaiy disclosed to Yau. ore rrrarwa VAN be atleetlw m the Ira day of yes bssnp pe 4. Ate sat of Lao, orraNrrlN and Rokamd payer" Faa. tr o1 ih fate roe coco=a wNl b nereod n "Note then limed hero that occur dutkq ally bMha pedal. Under the tells of yw Bremer aproenIsnt, r rea rr at ft daft to wdw a as to swot wry far without aria nod6Catiar to wither vsalvinp out ripK m amass des era OF rimsar M a law Han. 6. Year Aemrn. If a maMsralip M atatsreant, You haw 30 eppean on tits trait at this ap t am th dm this nafaare pea areNd m You to avid w1d0 dr fie a m haw writ las endtad m ym tt you ewsl yeut accorse. Otekrp 1NS period. You sly metnbelfYSO lees To nlcal war etrsue. You mart or 0* tartest m rate yes sxOrsft wllhatll hMna m peV ? 8. NN V YwMewt w err ragrwt io der w pymar atasae W eNkrp w Cutorna Mlal.. Daparmrof. Ym mum dmtrey yes cndt idled l and hRrp, all arxoae Serna oirseka, nrcN you do not and ape your aeean. Hoof H lsoebt of a drrw y wahdtn s M a fen m na:?rr y?er acme. A t, its aenrae o/ rr be doead ud you pay as N ran Soarer you OM, u hdWrrQ art tralwaedar You haw ardnrtsed, trrsrrn cirsglea, frst due teen ovttdhrit to»nd Pay. 00116, ash ad- Nm and airy .6:M Seas ammaal to your aro r11ywrW10 far dr! entrees whdw aeaKK. You = ac: t or tlry Ww6 q= m tar reerleet m doe fh exe=c. Ties may fasuh in cirardr atrteMd on pea SOCK" after you haw your accwK If it hs Irvady been deed For erampe, tt you ardrdaad a purdraea born a rearchent and vro roealAe dr traasetlar ban to msMwa after year accent has bean closed, yes axaae wN be noperod, rtie worota s of to dwpa will to addN m y. arum, rW pYoutl ww bir rndparikle for w7KerK. H n.n Is a mwnbanap M Nr yes oxen, Ih Ise pea continue :c G cirsrasd, to th ern permitted by law, aN the orrtt Galleon M bear Pied kl bN r dearMd abOre. 7. tMrra Yes Aawd.Your uW or awwaN cwror G h ear6racdm wilt arty Interne grnMkrp tttise ew. B. Noodes Abost I I a 1.e as s pay rs, lb ns n. Far aft you provide a t1rN pe I you maotiMom a on aitlw to use MormNm from VOW mr chec to maka k • an-rhos alsemie Ind iranM from yes bank aoeaae or to a d.::,:YmM Your drek m nrstte sort sMcr'0", Ted transla, howls may G wMrdrswn hen yes beak acme r scan as do sera day we rasa" per and ym vriN not nsiw per heck back ban dal hadtuNn. -r- BILLING ROOM SUMMARY (h Can Of Erma Or Oumlan About Your &1) H ym t" yes bM b wrap, er H you need Isom kriorrnstierr m a tratr.)an or Ire, write to u on a :moms slrm a soa a pasaN at On, ad*m far hpiria shown an the frarri of His sweram. We must hear tram ym m Now dray OD thys east s sent you th stet lout on whkh dr error ter appeasd. Your car :card our Qr[enrsr RsNtiar rnaebar, but dokrp a pea not ==pll?irsnrh = am?ori It= Mn la=rder apses[ of tlr eryecntl orm, a dwedptlmr of me "nor and r etmlerrtlwt If prrtble, of wwsMry you bdsve titre is an error, ter H you ltd mss k cede, • drelgtlaff of a rot haw to pay any des hero ym aro era=s about. Y. sor=e N qualm vdaN vro an kwaadoalkra h, but ym are mm aobbaNppasataadd m pay tlr perm m yes ? an not in gastbn lefaa we he F OF Yar 4wtlm, pea the report ym r aNngrrr or tale Srry aetlan to eased the ant=ic you ¢teadar. i,t Special We For Credt Card Madrasaa H you hw a goM m Aeitlr dr erNty of pm: or as Mass start You pudrso0 wHr a erodt nn and you have tried in flood IaMr m nrrad rh problan HMS dre nraldra Ym sY haw do right w te peY tlr ranakirrp amoue dr on der platy or ssMees. Ym haw tlis raacliorr oMyy who the tee grin pea men nun nets or !60.00 and Ur6 padwaa?waa? sera h yen home wfndn 100 dr of you nreskrp addawt Of we own or opeone the reeKirm, a H pea rnassd ym dr purdrsas adv11dmmars for the property or serAka, as aro coursed roa0rder of Sroarss a laranon of purchase.) Purr rwrrweGr m afpn N carperrdara. t Doss nor apply n oaaasna mn-teed( teed wcotatts i Does nor apply to brrbna nahaedt card --tri s Capital One supports kdomadon privacy protecdort: sort www. nm. wabdu at Caphf out I. 1= y a and mrviu mark of Capital Oro ii ncl n. As rghta rsrwd. -2003 cadral nor OILOLBAK t a. aces P 1.111 Ym WIN haw i arri h rrl praa period of 26 dap wish= a__ m new I am _, new balarroe ttarrNn, new fpeaiai fr?aoa and new olhr drrpa H ym wy Yes tarsi 'New Bslana', h stxansrra wilt the Yryortad Notloa to wY?a bNOw. and in fkno for it m be ended by your nna mnemen cicekrp time. Thrust Is 0 R? perind a =Far adwross and spaial fnrrton h addtlm, tltero M ro 4ron wdod a anY trawalan If ym a not pay do tod New b. Aeatao Fkrarroa Or.Oe. TraneMiorra which aro not him dnmdm to?drwvarr?cnma?er 2?k nth h?m?dret) oaraeeden Is :mated m yes Aecmnt or 3) tram dr Oast calader ay of dr man hies::oriel. Addy V. I1 ym rid fret pay th 'rNw Balarca hem me praywa your urpiW balmroe rsaYfirence apNE balana? Ito s pad in N9. Tli nteerr drt ym m.y soil or arww tinges, oven if Ymy Ih ado IiOw 9alar irrdCelad T dr from of permatsta . Dy dr ?er 1 agearrrat s, but did darpea not do a rte Ow appaapvlahatlee?a.. .Z= t c. an FYareea??aO?Orogcfp. fa rd+ bYfnY wdod that 1e?al RIiANCE CIYIa1MiE of e0.B0?wa?ooYimpord Ifytah ? de ? ntMU ia"NSnemdmdir0 60, vvs'ridN °•arae dt ,ham" wdo amen pas to 00.60 takioaan end th dffnerce wN be base m fh padroeagmd of your Sxera". td. Tafpaay Rais a In or am *raDraw, We mares th dart mpmrlatewes r any a am sne" darya tar arty pawn 2. A.= DNytamerce 1MrYrdrra Mw ?adr.1. a. Bred dares k aladM by mrddplWq th dally balance o1 rah spree of yet Sxotslt k.4. cuts sdwrfa. faatlfar. epeaW IramNr, ad apedal purdrso) by aro oorraaportdlq dNy petiole rstNal tM lrs Gen provteuafy daetsaad n ym. At th end of N *I ay damp dw WrtpmpXad, eaa spay tits dry petiole tae mr ucir seatwrt Yee axon m do aNy bYa ce of meh »• Then at the and of lh hmktp :sad. wo as rp tlr roautte of tlrm alcWMioro m ardor m rte froro aach?sapmw" m arri areas are, real pedode» elrlla tires w yes ebmaa. To ore tiro dNY Glean fa asdt seossnt of yea access, s tea the erepeo re am Farrar r ?rp and rw pbrmboaddet *asas?? aye balms . th1 asgald. yes then castes ay peynrrn a crsdN poatetl r er %o ay that areNocateo to drt asperse. T1W pitta u me aewma asy burrs for sand aaprran o1 yw sourart. Ilovr6w N you psld der New Bslarce shown an your praNes ststenras h kM for if tar now balms rS an a e orodt Smanl, new tmraWelr wNdr Porn m yes Paehro a spatial nW"ma to awri dNY bmmrn by slat: bslsncas. Wa baWSS racer aq d Idrrp dr Sun by ter erbar of dr ape h dre alnrrrdrenrpa1y,hNlre -Yard. To rJkKaN yesbyt??l setts titres, W? awrps dNy bras ?q dally pm nde and rh rawtber o1 aye h rite podod Dire mardrrp on a dNly bseib. drao may but s iffiNIX w dilsoccs ad ,hi amass of b. N lh aria Z a N spwme m 1G part of this matamsre nrA to 'Balwrea urn Appsed To: we mMiply the 462415 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. 012 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. -- 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 usl 1-800-479-7231 Ones VISA ACCOUNT NOV 04 - DEC 03, 2002 4121-7414-5984-4051 Pagel of 1 Account Summary Psy-1:51 Ctedas and Adjustments Previous Balamca $1,036.92 1 03 DEC PAST DUE FEE CREDIT 825.00- Credits and Adjustments $50.00 2 03 DEC OVERLIMIT FEE CREDIT 25.00- as $57.33 Finance Charges $18.62 Trarnsaeitons New Balance $1,062.87 3 04 NOV OVERLIMIT FEE $25.00 Minimurn Amount Doe $862.87 4 03 DEC PAST DUE FEE 25.00 Payment Due Date January 03, 2003 5 03 DEC PAYMENT PROTECTION 1-$88-527-6904 7.33 Total Credit Line $200 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed Total Available Credit $.00 to your Capital One credit card based on your month-ending 2mount balance. If you have say questions, Credit Line for Cash $200 please call the customer service number lied above in the transactions section of your statement Available Credit for Cash $.00 At your service To oB Customer Relations or to report a lost or stolen ord. 1-800-262-1493 For free online aaount mvia, and special aatomer o&n, log on to: cow Piudonccoen Send Payment, to Send inquiries to: Arm: Re nmence Pro-ing Caprtd One Service Capibl One Sari- P.O. Boa 85147 P.O. Box 85015 Richmond, VA 23276 RidhmondVA23285-5015 Imaortant Account Information It's Capital One Bowl Weds time again! Tune in to ESPN, ESPN2, and ABC starting December 17 for the best in poet-9=00 college football action, to see your favorite teams fight for bowl championships, and for college football's ultimate prize: the BCS National Championship. And on New Year's Day, be one to time in to ABC to watch the Capital One Bowl live from Orlando, Florida! We understand that sometimes it may be diffcak to pay yaw bill on time. That's why we've waived past due or ovedimit fees for this billing rind to order to help you return your account to good shading beer. With our fee waive program, more of your payment will be applied to your outstanding balance, thereby reducing the amount you owe more qukkly. Finance charges will cou ir= to apply to your account, so it's still in your best interest to make the blest payment possible. This waiver is for this billing period only. "'Capital One proudly asaappppor?aa the National Youth Anti-Drag Media Campaign. PARENTS. THE ANTIDRUG. Stay Involved - Ask Questions. To get the FREE booklet, 'Keep'tg Your Kids Drug-Free, call 1-800-788-2800 or visit www.Th tatJmg.com- FinanceChanges P4arereer ejidefriopmtwit irfmnadwss B.hraraa ptk - ,- W .pfKrdm = PURCHASES 81,070.89 .0579%P 21.15% SIL63 CASH 6.00 .05795%P 21.15% 6.00 ANNUAL PERCENTAGE RATE applied this period 21.15% V PLEASE RETURN PORTION BELOW WITH PAYMENT. :apMdCW 0000000 0 4121741459844051 03 1062870060000862879 New PA- $1,062.87 Minimum Amount Due $862.87 Payment Due Date January 03, 2003 Total enclosed $ AeeoumtNumber. 4121-7414-5984-4051 PJ-jn car- h%qj-Wal.o.V e,,.?elmyslrlow mey 66e ark L Soea Ape a City Sate ZIP Have Plane Alit ae Phone #9033893423652221# MAIL ID NUMBER Capital One Bank REBECCA J CLAIR PO. BOX B5147 1111111111111 111111111 N a? 18 N FRONT ST R . ichmond, VA 23276 ' LEMOYNE PA 17043-1327 luirinilnslsllurlnlluliasilusilnsllusllosllusllutl intlllnrlllnuinlullunilnllsulsiiuslnsliiuiuslltl Pkarc r to yarn, arowd auneber on yarn, cberk or money ordn wade feyabk to G*dal One Bank sad mail in the eadamd erravlops r m 2002 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. fi a? l? MME g 0 , O w t a. a- Preleai.-You Was thaw i n*It- costs Pedo l of 26 days wieros limm oho - an came Pmh , new bdrse trsrrbrs, raw;WI Pub and cove other duMn K you pay Veto total 'Now Bounce, in aaadrhce YAM are Ingortre Notice for peinteri s beam. and in tine ter it W be =died by Your neA INMW as period . , date. There 1. - grace on cash ritivesessas and spade transient. In ad i d, , rsaen Is grata Period on any trarenacdm if you do not pay do mal 'New bounce. . b. Awn" Forma nesspe. Trrracama vMrh errs not =mdea d?Me=`oedmfteereV) tram dstlm damtlml uwwacdm is petcasseA to yew Account r 3) from the Seat attainder day of tee arrem bMig posted. Additionally, it del rent PaY the -Now BdW - from the prMam posted your unpaid bothers o wsestrace as a he mgiW bcondrew to oossa Is paid in full. TN. moos amt you mayy aria ova frame durpea, even If you put the and. New Boerma Indicated m to front of but did y" statement ? by itte me summers d ieting o Ow previous noondt. Urpablrww tmrpse an added m tee eeQfrw¢ d you Acotur[. t c. I/orrw Firtseata?d For asdh 6larhp period Unat t W FM4NCEbf?UIiIOE ota? ? I M?Y?aalf t?lm told frwata w tan tae appacatlm d Veto perbde orb(s) b Mse amn i0 60, cos WS w8trad M aneeue from time 10.60 mHwm area hue dlMace Yell be Mail to do purchase r=Nnarr d do yeaarxstuaa. t d. Tsrtprery Radiation In ne. Wo m- - the dye m nct aaseoa story or of frame charges for any given periodic vets. To obtain On average daily balsa for the Ngng owwaw by soft entrt em, cos tab ohs bs ems of each aaprtrd each dry, add my new trarra a eadr wpnwK and osatrad any pe?wrtf or putts. (N do coda N spris m Ur hem of Ws surrerere sole ro 'Behr re Pea Applletl 70; cos afro subtract cry unpaid fiennta dupe included In der beiance of each se, via .) TN. gives u dm dolly hlenca of each Then, we add top as the del bdarmse ter each e MN of do" itat in a erie losing period. This films us 00 er average duty balers of auir anowww. 3. Annual ?rerdegs IMe IAMI. a. The less 'Adved Posvrtaps Rste' may appear ea APR' on efts front ct ties aMeremL b. N to coda P (Primed, L (arm. LIBOR), C IGnler+ts of Dapootl, or f (Braocaw parts) appears on as hart of t as rrsmpat eepr next rprn?a as p p ni sac reread, den periodic, my wry qunaa rove annd ANNUAL PERCENTAGE RATES may Y maY irnreaft or datrerse based on the dated iidcat, a bud in 7th LYeg Sorer to you. Them changes WIN bete foil m ddr *its day Y Vo r bstaYdp s posted end e byAvvootge pisaxi?e_ ending c. If dr coda D IPMhsI, F (1 rim. LMON or 0 (3mo. yea LIBOR Repriced Mo a t y) appeaears on do hoe of statement time to is priicy meW, dm pentode sea and correepaaiq ANNUAL PERCEarrAOE RATES may wry mrway rtdmay baeaM or depsea based an see miSin to found don ed ?pwMatrdMs ed to t ? These dwdpas vest be etbetiw on the frat day of vas bale period 4. Assssrwsat d Lea. OvarBeat and Re WY" ==F tees Your rxan vll be asserted no same than listed has Mat oar duos cry Mang period Linder the tmord yam cuamsr aprsenhene, vve iassrve der dyrt to WNW or not as aseeft any aea vadoui prior nodgeallm w saMOto vmI sur dyer at asftr ate sauro or dmlr m a law teen. 6. Ysu Aeawad. If a mraboaft be spears an dive frog of Ids stRanre. you hew 30 days from to data rids atateereard was EM W to yet, to avoid payig data tea or to hew such be redW to YOU it you carod your aceoua. DAM this period, you may continue ro use your account without hs*q or, Pay Its, mad y??uuin To Bbp our CA?tsr Pelsdsim O gamnere eheirw has -Nirvv )prim or the seal of Mthe nMrdaP Meprbd 6. M Year Chase You Aeftted. You can mgaost to deft Vyeattor acco rt by raWg star Customs P bftw Dt0artmtat. You into destroy Year psdt cahdb) arm account access drab, lead atl peaeheteerited blMrg, arm cons Vow acewuL N you do not eJM.W mnaidar PrsrahabM ertrtpashrote, "will rec , of a deeres your eaahaa --air to oM your account. AdatlruWY, you account will n dosed the account. our Tats reWt in his neat You pay N arrouae you owe u Including: any transit I vow hew aWodsad, time denr(im, post due 1sea, avrldt tam, rehereed pspwe later, cash advance bas rest any atlen team a reas d to your account. You as reeparMie for Urine r nowMf vweedor They laccount e s Mayem at iw On Vw request a AA 4 w ==to mm y shisakir been yo account Mdndenid It grr I here a saidwrtt Air and we o. If you receive tee toomcdan from err mrdrd after your accost has boas dosed, yaw accost vill be reopened, ON amocte r ten choap me be added to yos acco cat, nop? be payows. N acre b a and YYoouu vW a mseuasratip fee IN Your account, err tee wN reraiar to b dutae4 a the aaant ppmirad by law, mall the •ectua bierru hr been paid In fu a I I abate. 7. Wag Your Aeeaurd.Yers card or account canna be used inasertdon with any is nest go &IN anes 6. H Nabs About Dedreade psynerdy you Convordso. When you a h spns Van dmek to = US 6mks a one error m mil Information ck alaprwic hand transfer hen your bank aocr.at nt a to [trateft iM ppaeyrnem Y • dvt lnarn* 8cw the w inbdmatlon haw your dock so resits an taw tinter, feria try be vMr3awn Iran your brae account ea appn as tine team day we receive your PaNesra, tow =net net vasaiw you dneck back from your Srw,e.l IruWaetorh. BILLMO Riftfllr5 SUMMARY (b Cart Of Enos Or Ouadar Abet Your Bas) N you tidy your bat is wranp, w N you road sae kdommaan m a marmcaon or bat, coma a us an a separate dsot w aom as possible to to address for =dse down on den hart of rob dmrnrw. Wa rout Iran fmm you no later assn 00dap after we am you to fine bat on widen to emu or (aetlrrn appeared You can cad our Costume Reesrs amber, bra doing as wN not ppaseseerrveve your dyes. In your lanes, she u to fdlovdng imr eadarx Your reenter tow eammot amber, the dagar aunou t a err wupastad ear, a daMOlption of to ever and an rplreetm, Ii ptmobN, of vultry you helve than to an error: or If you need mess Intervention, a description of ten hem You errs mow abaft. You do not henpw to pay rry amraa In gdodkn vhf vve am bwadpw it, but you ars rat w pay the paro of Veto Mg OW as mat in plplbn. we YWastiQea gismo alerUm. M talrq[ may Oweeb or ate any action to colbp it* t.t Special Rub For Cott Card Rffdofas N you haw a problem with the quality of property or services tent you padwasd with a credit cant and you haw mad M good NO se correct to prabbrn with the ng msrduanL yes my hew denaestvifts. You dye rot to peV do martini amour rides m the propmY Mw Was protection ord vawu dr pudsw pica was sea dmn 11150.00 and F-drose - in your bases saire, Attila 100 mla of Your miss adeaddeses. Of we tom or or operate ten rseedunt, or M we mass! You do adverdanre to the property or rNNew, as prdenses errs on of purchase.) CZ=-. a aipn d coneapawaees. t Does nor apply to caaursr mat o aoa card accounts t Does tot apply to bureerasa moan-reoa card etmraua Oro suppo is hibernation privacy pro scrim: see our st vwvW. ram. 0. b a Y rgi isad service cork of Capital ratio Caporals. AN rives served. a 2003 Oro 07 LOL.BAK 2. Averse OsaY Bores 1 Maw Pratnaasl. a. nelarhte denge Is Wnssled mddpiYig t l dolly balaro at each aapruent at you account 10.9 ., cads advance, purchase, species Twrofer, and spew "Cher e) by the comsporndnp Oaily Periods .We) dual has been previously disclosed to You. At saw orso of each the bMV peeled, M apply the away periodic: rats ? during each sapprrt ooff Your amaew ado duly wRw lane a eatln stagment isduTof d~reo dsty edl Ydim to aid" at veto up the peebde fltenas doges ter each asemem. We add tp the msmw base each aepmere is arrive in the too periodic finance cherpe for your arrant. To gat the day boama for each eegesem Of Your account, we ate the beginning bean for eadt wwptant and add any cow tlreeactione softyps dodo Mot dogs calculated on the previous and day's 6aterste der dW Mgmra. We a" s ubstact % .mid or crW M posted as of dent day that are carod aNO pe to ith eytWS. This pMS u the seperam My boeme b each agars d you account. f(ovtavar, N you paid de, New Boame dawn an Your previous statewMm In full (or if yoto neon behinae was sea or a credit amound, thew Vrneat Jim which post to your pudense or spodd ptachiner wee rte dely, balMCe by ad*g as to cay bdances Witede r and dividing to was by to number of MC dap In the anent big cycle. To Waiam our tout foveapeosdbn6onep, dmitipl Your average obey bo i ce by the dally foe WW Ve in period. Dtr to auhdtg on a daily boos, them catty be aou dW wdmce between die talmsedon and the armtowe of H"oot" dmwrpe actually ameased Uas wtamatt b. It tee awe Z c N Appears m dM hen at r. m'Baheroe Mate Applbd To.' ws multiply, the 47725S 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 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. CAPDWCW 002 • 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 CapifalCW Account Summary Previous Bsbmce $1,062.87 Payments, Credits and Adjustments $75.00 Transactions $56.99 Finance Charges $18.73 New Balance $1,063.59 Mimmurn Amount Due $863.59 Payment Due Date February 03, 2003 Total Credit Line $200 Total Available Credit $.00 Credit Line for Cash $200 Available Credit for Cash $.00 At your service To oB Certanc Rd.Ji- or to repwt.lost ea stolen card: 1-800-262-1493 For five oaline aawnt laviae and Vecid monomer okfas, log on to: __P_1__ Send pymean to: Sad inquiries to: Arta: Ranitma Pmmmg capital One Sa.im Capitol One Service; P.O. B. 85147 P.O. Bos $5015 Richmond, VA 23276 Rid-d. VA 232$5-5015 VISA ACCOUNT DEC 04, 2002 - JAN 03, 2003 4121-7414-5984-4051 Page 1 of 1 Payments, Credits and Adiusnnents 1 23 DEC PAYMENT RECEIVED -THANK YOU $75.00- Ymr srhedded payment has not been received. Please remit the amount due appearing on this statement if you have already made your payment, please accept our thanks Transactions 2 o4 DEC OVERLIMIT FEE $25.00 3 03 JAN PAST DUE FEE 25.00 4 03 JAN PAYMENT PROTECTION 1-888-527-69N 6.99 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be comeniendy bled to your Capital One credit card based on your month-ending account bi latue. If you have any questions, please call the customer service number fated above in the transactions section of year statement. F'mance Charges Pkmexv ron mesid[ fir impaetant enf 6rnla6an Balse * Iat}( Pkr i - z .Arlv Jb fr dPR ?iL' r1 PURCHASES $1,06$.03 .056mp 20.65% $38.73 00 MP 20 65% $ 6 CASH $.00 . . .05 5 m ANNUAL PERCENTAGE RATE applied this period 20.65% PLEASE RETURN PORTION BELOW WITH PAYMENT. :aplmlowl 0000000 0 4121741459844051 03 1063590075000863598 New Bebmce $1,063.59 Minimum Amount Due $86359 Payment Due Date Fehmlvy 03, 2003 Total eadoxd $ AccountNumber 4121-7414-5984.4051 Capital One Bank P.O. Box 85147 IIL1d11111JL1Ldl Richmond, VA 23276 111111 1111 1111111 Ito 1 1111 [111111111 Kill 1111 1111112111 111 111111 Pkaaprnn medlar a,Yw.,narrba?a kl-g b6•-Mad xk Sneer * s Cry Saa 22P Home Ph- Altemlrt Phone O EmdAdd- 419000493423652229# MAIL ID NUMBER >!!!! REBECCA J CLAIR `D 18 N FRONT ST u°Di LEMOYNE PA 17043-1327 m ° ? L1dIL1111111111111111L1111L1111111111111L1J1111111111J Pleare lmiteyoar acwuw naeaber on yov.6wk or My order made payable to Capital One Bank and nail in the enlaced enaxlope. OPINIONS fay g O O 0 e O N Nw a mei..¦n Van peri" of ter. sle" hK Yw we 26 toed vhMgwa tewerwes m new padrpp, new 26, dlea tr, :R new puChaa•t end new whar W'ata H Y•u PaY Yau /1tN 'limo Branca', In ¦xadwlee wmw ri nepwnw Ibtlde for pynwws brow, erld in dace for n m bs rasdt" by roar leer raumarN down dim. Thin Is ro p,ta pelod m'ph ,dM-= and ap.dr frpaem. in addition, there is ro grace period ere arty trwwedarr H you m not pY ri total Now b. Aewtip FYlerha. OrF Tr,rrtdbrr Mill ,ro coat ft. 0. door of It trleppdan N procep¦d to rear Apart a 3) irwn dre wet crwd,r day of ri a Mahan =A=y, ley Nsw S.eoce' rear uhp¦id bel.rro u d to uewi d bl- Ispod b' bi. ven I' TN, wewm Imo Wu Ray Re svki d armies m W the from eat of yw easy ,momew a wan New mod stitatmserif I rear bye ere main -dosbq tons but did ro m n for a plerart Ulprd wrhrlea Wryp an add" m ri eoonh,m d you Atraut. t c. Mi.ew Fle,np Orry?. fw each hY1rq WiedyMt ;car RNANCE CHOW of 00.60 we be etpo¦.d. If the few arrrl, Wryer rewidrlp how ri Periodic rRveq N top dim ?0 60. M .d= f reM amoud Tram ri 00.6o rardnwinh s" to afbill vas be d. b Temporary ry a as?w?t dOp youor accohrA t ft to not odoedippe mdI. rMbn my or Inr as as Ir In.nco Wle acs ronrveri riys mpwaryp for my yon 2. Airw,oaa DYy a.pw. IN?Ans New firdMeel. of M wJtlWNrq -g a. Firrloe "rye b nWYt Dr¦rca d aedA s.Onwshd of V. ¦raud b.4.rWy eat, ¦dvaon, ph.oNn, epee" tnMsr, mod epee Ip by ri 0oneePanAaa drly periodic rvedq thR mo bom loam pwWamly fveeed to you At ri ad d C h m Imo beep oed", M ePPW ri m6y pRlodic mow fa tropnwt of real acewd m Imo mod dYNri d:laYp_*Aod",M add d oedl aegatnt TAm n p p rp ri reaita d than rosy aia4tlar to ¦rdvo r your h. UA add fq tM periodic Ml¦not dip. kr 0 ledw &I R the toed re,llfa how each aaprwem m a prladc Irma Wipe b you amour. To sac ri diy bes- d rear aceoun, M tab Imo Degriwro bdmn I fa each or *eNlddl and rely pO. Mrddterq'rcdtt" m Ir PwMas my t Niwo br tMt ,tphww. We 1Mn Mtrea only p?aaaas or pond p d fed dry that =Melted septata dry brwce to that aeprort. Ttis yvw u the far e¦ew rpmwi of your „deist. Iloyrewr, H yw oeid tN e.new b I for Now B¦Nnc. slnwn m rear Per am if Y•u row bgwra can too «. ewdM arrant), now awwe so vriiedl Powtot to Ym` puroNr a aparJr puhchan to irw•a ,w added to .1. rosy br¦wros. we baWOs mgwNr arid d tho eh?irrebyIu wmboO 1y ri dew N to mnwd Maine eyrie. To Madge war toed begirw bN¦nn d:: .egmai .em dey, ado any new harm to Mm aprh.mr Old ¦ibfreet .core Paywawa Rat¦frwern beef to '6rwr. Rne Apped 7o. M aim wrbirad wed vipaid femno WhP eldud¦d b ri belwlde of each narhertU This 1. de ri deer, brorce of each wriest d rays in ri balls Period. This give p tN .Verappee may b¦lerero of pm seorwaw. 3.A rserr Moartq. aaNS IAMI. ¦. The tole 'Marl Paranlase Role' may appeal p APR' m to ha. of dig statom M Jr. If the code P 1PdM1, L f3T USOR), C ICerdfesa r OaPoala, « S fB¦rlsesta Primal apppw m ri irorn Itie RetwnwR rlerl ro ri ease" AI mefq, ri of mea and owremar:2 ANNUAL PHICENFAO RATES lure wry ehmn"Y Rd my Memel or maple bond m the stated 'Ades, as bud In Tlra wee Sspt ?o ro eL pas elm nmryb pneNarly disclosed to yw. Time adds. vie le by VOW m Ir am d y d y. bbe rs yy ataar.arlt arArq c. If ri code D fPrinwl. F flyne. UBON a 0 Orno. ri mtr0n prMasly dtdond to You. Tlrp Waste we be efltcdw m ri MR deY of yu Mar* P• d. Ale .. wd of I" Ovaama a" ReMwhed ==F%6 Your socorrt will be seem" w mace dhm ktmd hers drt oo r during arry 6ehq pried. Under ri term, of =c== m WrVe a Mdrld Prior nodwcedml to vdllrou wrvkq our rip, to seem ri orim or rimer er , beer I.he. 5. Yw Asaa¦ot. tt , msrhhbsmNP lace is 30 you do .¦ir m ri ham ri Nit meow was toys Iran ri dvee drier ,talnrem Mtwirl pylon ri tea a to ,eve auil you if yw corral rear secant. aabw tld¦ poled, you may cornim, m tae you atxart Malord NvNp m pY ri nestabeflift Dy deaere error f.LwaireroRNatlar Depertmsra wdtyw a" eaassyrryd?pu New Srrce' b ha NIrAdYq ri 6. NNYou Clop vPAo...L You oo mghrsm loon ==. ans au Cunalror RaNtlau el oci a maw dp[roy You ?l coll.) an Man. accord ¦edele cheeks, radar If pwed Man. ,cod mow sudkbl?Nkyou accot¦d. you do m not ' rlRwider H le,d dr -yeur,dm m too whiderpur ,ceoud. Adiditlalesy, rear acmrp we nhet be rip" ads yw ley M wn0uti yw OM tat eArAn4 eddy trwraNw Y0a taw ward:", wrrrroe cfrross, pR doe fm,Tm mod wry veh.r hap oversmh fens lr= pymwd fm, nah arV=-ot. Y. aro .pea..a to rear xolad. hesparrmlr for thole aalorsia vareMar they dc.t der rio an of dry tmRelo atleaUZ m to your rumen to dole ri scome. TAIx may nowt in Wrgp eppwbg m you acparn'her WU Mw accoloi H n hes rw¦dy bem dosed For example, raaie?wti ttrWprwcvien arts rrrardrnrchert «¦6 pw ecomnt hle bade doe.d, Y•ra amount . be reeperrod, the anamt of to W will be added to yar ¦eew t, ¦ef yyww wN N w¦parlrMe for paynwlM. H 6ww is s 1m tell rsp in far Yana wxaud, the fee we corikue to be tlwroed, to 4w elme pwmhted by low, was ri edcput brpa t or been Pod In U al d¦bred above. 7. Yw Aaaaad.Y" coed or eoeam card be Uabah, troraromn Mm wry Irlomt (pmbkV trwMaiml.. e. Nwlee Abed BaaY.rris Gook 0orvwdoe. WI= you ==,. drat p P=d w, T wZ* w rlrr to 1. Irmo. he'k to m¦N a aro-rime ebamie Nppda, tmn¦Tw tram you bank ecpovd « to Irss nlorhrwrieUm trmh Your dlecs to inabs an eleciarde had trowlw, kolds may be vAdl6,M era. Your Owdt ¦com.d p sear) ea ri pare deY M roMw you =wMOdal eWrtitudon. not were Your drei O.ck horn SILUNO RIGHTS SUMMARY (in Cale Of brow Or Owed- Abet Your 814) :=on year be b yralp, or if You rZ rmro ¦ tr¦rmodon or be, carte m u m s update drove p eom as natal,, at the tddrm for irlamdoo ¦t. m ri from of tld. Ratarlerrt. We tout hear tram eau no War Iron 80 =:t.W M pm you tN !m z m ehhkh ri armor or Maawn gwte rw can W oar Qwlowe, Ralvelar l,rhhb«, but deep le wa der ppralerw you riyt.. b your Naar, olvs u the id e ollar= hlmmadmc rear ronrwa mod acco d ndipdon of ri d ri em a ¦moud d Ito ehpef".tr«, end rr cal N fir of Wry wed you u bedew "re Is le error: « It t you you rrosd mere bIle, hr ad^ ¦ deecripUah of ri Iteminyopu?wm"muwua ebaL Yw m row Igrve to pY u ¦w ab•q¦t to qty tM pqm dba dnrtiw tot in prsdart Ywa. M you ertdm, M nralot reps yw n deYrpuwn or use arty ¦Non m cosec tire enrwet you pu"m. t.t Spedr P.A. For Credit Cad R-Irlap If you haw a =b lwD wIM ri gusty of prapany or nr1NL'p 11M, pudwsed \\fdl ¦ eredil cold acrd you how VW In good heir 10cornea ri prpblew vttlh ri =:mdL you cry Nw ri right rlol to pY ri rem¦ednp arrralrn due .0. pr?MY «.swkp. Yw haw Ids Plot sdW orwMn the Prudr?.¦ plea mop toed dw 06o.ao =d% rede in you tlmro erne or WIND 1d rear m,enp addrew. m M oM or aprm ri nweldwrt, « H M rrwNled yw dw adwrdesnhsw fa ri P Y a plvkea, ere wrWsee ¦ro covwed roperdisle of wnerort «butlan of p.Wp.) PNm f-ornber to real is cone¦pml le- t lbws not apply It, corrrarlar-cro* Gerd ACcOurits t Dar not apply to caul wnY idlf card woo. s Caoitr One wppau bto.nefion pivacy praectim: sea car vve6alte ve vvww.mtlen. corn.t. wp Capita Oro N a Y M trosecede mark of03c.gtr Oro flnwrJr CoryoDwe. • :0 C,phr On¦ OILOLBAK lmnsryrepricrar", You aMaP •eaY o'a"de W 11° p.dod. ar to made= arh a desy WM, dwre may be a selifeel, , hveyrean We ohYtlm ," to wnoun of grown don b. H ri code Z .1=. m the Mai of We watwwwl roam Rau AppN ," ToY?M nalNpY II?Nu 535885 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. 012 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 ?a pow Account Previous Balance $1,06359 Paymeaa Credits and Adjustments 150.00 Tranarbora 15751 Finance Charges 119T6 New Balance 11,09036 M'mimum Amount Due 189036 Payment Due Date March 03, 2003 VISA ACCOUNT JAN 04 - FEB 03, 2003 4121-7414-5984-4051 Page 1 of 1 Payments, Credits and Adjustments 1 03 FEB PAST DUE FEE CREDIT $25.00- 2 03 FEB OVERLIMIT FEE CREDIT 25.00- Transactions 3 o4 JAN OVERL IMIT FEE 125.00 4 03 FEB PAST DUE FEE 25.00 5 03 FEB PAYMENT PROTECTION 1-888-527-6904 7.51 Total Credit Line 1200 Thank you for enrolling in Capital Ones Payment protection Plan. Your premium will be conveniently billed Total Available Credit 1.00 to your Capital One credit card lased on your month-ending account balance. If you have any questions, Credit Line for Cub 1200 please call the customer smTke Number listed shove in the transactions section of your statement. Available Credit for Cash 1.00 We understand that sometimes it may be difficult to pay your bill on time. That's why we've waived past doe At your service or overlimit fees for this billing period in order to help you return your account to good standing faster. With our fee waiver program, more of your payment will be applied to your outstanding bdaocq thereby reducing To oil Cuonvxr Rdadons a to report a tat w stun oral the amount you owe more quickly. Finance charges will continue to apply to your account, so it's still in your 1-800-262-1493 best interest to stake the largest payment possible. This waiver a for this billing period only. For fren ooLat omnnt -im and pedal a.t-a offal, log on to: waw.eap'mkne.ean Send pgonvu to: Said kgikia tin Attu Resonance Promieng Capitd One Savian Capitd One Seim P.O. Ben 85147 P.O. Boa 95015 Rkrhmond VA 23276 Ridimond VA232g5-5015 Finance Charges Plasmise revmesidefar ineportaat informatans - ».?r - » -,- C-? Mug P - i d.fa =;. pfli .fi 1 . v PURCHASES $3,097.87 .056S8%P 20.6511 $19.26 CASH f.00 .05658%P 20.65% 6.00 ANNUAL PERCENTAGE RATE applied this period 20.65% PLEASE RETURN PORTION BELOW WITH PAYMENT. :aPhWCW 0000000 0 4121741459844051 03 1090360075000890368 New Balance 11,09036 Minimum Amount Due 189036 Payment Due Date March 03, 2003 Total enclosed $ Account Number. 4121-7414-5994-4051 Phanprw eesiliardk-& -- dal tav browa.gH sAlmf iaL Sneer Apr f Q,y Sou ZIP Home Plane Aloe-ace Phone e Em.9 Add- #90035934236522234 MAIL ID NUMBER Capital One Bank REBECCA J CLAIR P.O. Box 85147 lllu3llnullnnlrll a 18 N FRONT ST Ricbmond, VA 23276 m LEMOYNE PA 17043-1327 IrtldrtlLnnlrllnndJlrrlLrtlLrrlL,rllrtrlLr,lh,,lh,,l ? LrtIILt,IllretrlnrLJlra,rllrrll,nnLlltrdrr,IlLdnnllJ Pleat tmitt year aaoant na-6tr an yore rherb Amcaey ardor madepayable to Capital Oat Bank and -ail in the esrlard ena.rlopa r ® 2002 Capital One Services, inc. Capital One is a federally registered service mark. All rights reserved. tta?s a? I! 0 Q N ta. arse PebL Yw will hose a midnan prase period of Hlinp Wake covered by this Investment, we tau to - h yx entlrorleed • purchor tram a msrohara am car 26 dap MthaR lkwre dwge on row prmereet, rorw and new arise dM d b l M bep4sY tnlnw of each aepeam each day, add any new aid eWnact arty paymwes each as onant to or. M been kM has to m ochant after vote accaas has been ekea4 Vow aeeant we, be mapwW pur aaea e arme tra am, now ga dares If yes pry your total 'Now Smisnce•. In m Notlw for wn below ke M ke ott o r s , or cMts. (w M Code N appears m M had of We, activities now to'BMarrat asp Applied To: we too . M ream of M dara? we fm be added m your accoum, and you we be mapaaltla Pay.. N throw Is a , p p v arnca Co a atxo ad in tkee for it m be credal by you next atomism subtract a y untold [karma daraa IrrLded In M shams manbaNi fee for oar asan6 M in w18 co mba e date. ho s - cash d- In dtl d i d a ! at match J TN. alves us dom, balance of each ybbNamea for each Tin w dd ta as door m is be the mmmwom low, wooll the aeea It?bNamemhr been in ftm aye I above o , ie no rat per a rPadN trwbri e pry upload on if you do not pay the smal New , p eapna . e a y aaganars fa M bMlop pedod and dA& by M loom! . 7. Using Year Aeawas.Your card or account cannot be member of drys in the btebp period This ghee w the car in connection with any Internet goodmis b. Armadas h3aaes Crams. Tmrwdate which are not a larra of each aeporrm. eases bs iraractiat naject m ¦ yaw period era auatred iaxe trisect 1) Brea (AFlR. 3. Arawi 8. Nstlss Abroad Fleetremis Cheek OaMaNm. Whe you pan M deas m M triWCtion or 2) horn the dam M a. Th. was Zrawl Mcamape Ram' may appear as Pano to e"ek as psyrnem, you rathodae u eit- to vasectim is pwosred to pte Acowm or 31 man M 'APR' on M ham of deft ooamm. sea Information from Your deck m make a orre-dme Bra calendar day of the arnmrm bang Period Additionally, h. If to cods P Biota. L (3- LIBOR). C (Cadlicae of smamic fad transfer hen YMte bank account in to yvaiar rid not pay and •Nm entrance' main M PmMas IQ psdad i era, W. charges writers to mccNS to OmpoNd, or B (Mkwrd PMmsi appears on that from at iNs statement nut to M pedodee raaW, M poo odc RATES B(T prows M pNaae as a drek transaction. When we ur inbnaadon frog yaw tlrek m raps an daetmok: r k ded I h a d a N f b yea unpaid balance until M unpaid balance Is pail In mill. This means, that you my ads owe Branca chomm, awn if AO rasa and oarapa?dnp ANNUAL Pf31C °sY vary WsmeeY ad may Increases or decrease bond h nMn ran yap e n aa e a trans er may so=" as tam as to saw day we recdM yam You pry the ardor New Bslarw battered on the from of on do Cored khewa, u touW In TM NhM 9aaer ;::!m m, nd you sea not receive you dock tack iron your mainstream by do next apeman damp dam, but rid JDW Pkte M MWginpn awady daccre to you irwrdN ir"de k., not do r for the pasNate mash. UrpNd aearncs chow m m t A Thsu ==b; flaedre on M am day of spar anrwm adrq ea ban BILLING P1014TS SUMMARY . a you ccar am added to M aapna t.. $ariehme It - Orae. For raft b&V period that s Y r in M mad" Jarwry. Apdt, Jdyy and ociaba. f F LIBOR 0 (8 0 M (In Gas Of Finite, Or Owaio s Abaco Your ea) k p be, m wrian N ou need more H thi pte .xetem b =aate?er,? a • Ahance charge. a minor- toed RNANCE pAAACiE of $0.60 rail be ahhPaaad. N M c. I the code e). 0 yam. ) a - W LIBOR Reprised Mon"O appe?or on a* for of your Ya y you n a ihb_.a. an a tram"mcdon ens bed. eeks b W e a toM mr1Y10a choose rewMkhp mom M appicatlan of Wu p programme hard to M psrfode rateW. M pedoAC mass ANNUAL PERCFMAOE MTV - d d @=a m Nmat u am u ptuem a the sddreas for /Am ammn m we mom of this amuse We mtat M at periodic rates) is nor Own 10 60. we wool eWtrM amotem fmn the $0.50 nabumara sad to difference vmm- be , an wnaspat rm vary rrlersleY amf msY °r tlxroa° Wrtl on the . p tea man you no lama ken Bo =z= yw M m apas. yeas p bor ed bM, ,. .= p?wm aped fromas , u bud in 7be Wer S~ JOmeel Pks Th d di d l l l dim hill on wHdh Marm apes Con be, doin are Coke amt WNarr RNmkr" .= is We rrne M rme te. Temporary BetneYU In R pu p. War m not area any or al am= charges for any, given r s wgn M -ion peri ose to yw. ous y sc wi be dkcd- on M Star day of pas WON period c d g , c ou you rights. In you be., of- u M following am nom and etpnum number the dollar ==r bN^B perbd Avape Oaay aplaw (Y?ira Mwr PrdaeaN. 2 ea h ma e. 4. Ardmore" of Lme. Ovaart and Rebates: Payrmat Fsr. , y -^" of M aupxmd arm, a description of M error . wkabt Ned by mWblybhp ft dally, a, rirmse carp Is o Yma srxaat MW be pawed m maim tWn two of the br ad u mpmrtian, it ponk", of aW$ww you baBSw dear b betamw of each eaprum at yam axon (e.s.. cash goad tar that door during any bMmg period. Under the an error: a h You need mop kdeuatbn • daseriptian of ad-. pudmee, spacial trr"Isr, and special paedheas) arms of Year customer apeament, sea reserve the dgfd m M ham You more ueea abou. Yea do not here to pay cry i d It ha i tl hol k by to annegedrp duty pedode rmM°) that has bass f c d A b A d l h waive w two toaraer pry wiles cum abr nalBeWu m as rips to aassas de, tams or smmimr o walNn rm , Yw amore n pup an w e we air Mal w am sub obligew to paY M W m of your_ MB as not o ea h ay x m pmuady dec ared to you. t t e a oMod, we, apply the dry pedod c has 1m udh M Miiip g m a mar n. in Wad- Whit we bwudgaas Wu question. we cannot dt aspnera your axon is M aalaiw a sacra aatprham. Then at ?ho and of M hWkhp peried, w° add W 6. Yam Aeseanc. It a membsrNip in apposm on that from of this atemnam, yw how 30 report Yea r dsmngaorhrt or tau any action as nrect the armrn you Qurdan. M needs of Mu delly wlaYatem m ardor at h We l b i di h day. front the data this aeremem we maI to you to avid a bh M fee or to he" euh be credited to you t ial m/° F r C.0 fold pudaaes S ance s r eac ae9 . per o c arp maeft ham each eaalMm to anhre at the rotal pm cde y a p if vm, cones! Va. mccae. Means No Pedod. yw may ,t pec o balance shame dare b your mcwnn. To gas to defYy l ' cermaere b use Vomit accoum whhnut hm*v to pay the M you havem prahirrh with the 4aoray of property or ? rig for each aaI; a you occou t. ate takeM -01 mrterN$p fr. To ca1N:m yaw mccome, yam mater earNeea that yw pte I Mph a credit card and yw balance for each registers wad add 8e"Y new tm?Ydire d l d ed M i notify u by warp our Demmer RNmiom Osprmmm Now Balance' in $1 lsrdudr cis how tried in good bike as ceramics to Problem with M and prype?brfe ihawe rags w ct a on praa au We tin adtrd ey dry. bafamms fens cat eepwe q ==I N h a M ad a M tNny4ay period. mendum, you may farm the rips net m pay do ramming d r M a or aamices Yes hve this . prymaea or treats posse as of the day that on Nbcatsd m dd bNanr+ Tal M h e. N Yu pore oar Aaears. Yw m resume to doh air Qtetoma Reladerr caM wotmn axoaem b a m o . pap paaectiahh aiyy scan YapMjudawap pip was mwp can y at asp m . e pore u sepsm to t for each aa4owm of you sxoum N you paid the I(orrevar p y yy Osparunam. YCo nearer daary tear credit wdbl ad $60.00 and lho ptrcaet car made in pas mina am or of ire own or Mdi 100 comet m ans maa add a , . Now Balance shown an you provision; aaamm in fed for aeowr sxs choke. coned N4 psaardmrkad being, q . n v opera° M nmdrut or N ws mama you M 1=1 alance was tai or a credit amend, new te udaet or , edal hic a a ad osus uYp you aeon. N pas do rat earhoN w r= wnNMr erm arema n°allmix°d kiM , adwrdwtrd for M Y or rrrkea, am purdaw p p tw h Pi s Vo pundrr ea- am net added to the dry bathrooms. We , P V g Wu receipt of a drrya your maadtalmn to mope am wrered mprdeea of aawm or location of purchase.) pis door to Np erg eoneapademe. emadoe to avers deft balance by adding all M degy dosed aaidtrae. AdMwAky. Vm soean will not be . . weather and dddng if* softm by the number of usm you pay d enotemm you tam u inchodiM airy '- I t Does net sA* to coruaner nontvedm Cord accanm door days in go crrrati harp cycle. To csWm You coral }tome tarp, mutiplyy you arersp Nay balance by M dNiy rate and by M member of days in to bang we surges, past triarms e You hove o thadvoc a door feet, avedarst tees, momed PaNahn feet. wain advame few and array other fw pawned in par t Doom we apply to brsbraas nen<'rafa card mcwurs . sea to r, - - on a dNy baNS, dam may be ¦ Nips wrests between this coloration and the roman of account. You am neapo slble br then wrlares wheewr they appear on your account m the dins pas regateal a protection: w car CaPItN On" supports knbrmati an piwCY protection: imamom ch. p adwNy wammad. of ins, coda Z or N speam on doe from of this aaanem b draw M soon a they am roared sWesyusm to yam remora to dome, to acco n. This may react in m. webaho to writer. no C+PhN Or Is a Fad rNmend esrvks mark of capital ° . and w'Balere Rea Ap6ed To: Me madtlply tlr Ailly w.,,'. rf ewe, eh,w,rr M err meraliv dtergu aprMp on yam exams ehsr you Mw rearurred M axaam to W tlwE ai M mooarhkm of 2003 Om Fmeo." "I's-tbn. Ail 4" reaerwd. GPhN 0^e, _ 01 LOLBAK 588405 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 (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 Nbndaythrough Saturday, excluding holidays. Please do not use staples, paper clips, ete. when preparing your payment. 013 Your account is delinquent. We want to help! i _ l -4 To protect your credit with us, you need to make a payment -3 We can help-but only if you call us. - When you call, you can make a flee 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 ""Ca Capha/Cw Account S Previous Balance! $1,090.36 Paymentq Credits and Adjustment $50.00 Transactions :96.97 Finance Charges $22.40 New Balance $1,159.73 Minimum Amount Due $959.73 Payment Due Date April 03, 2003 Total Credit Line $200 Total Available Credit S.00 credit Lim for Cash $200 Available Credit for Cash $.00 At your service To all Customer Relations or to raPort a lost a stolen and 1-800-262-1493 For free online account savior aced speed wdoma affm, log on to: vvwn.orp@.lomemm Sad pgmau to: Attie Raoesanee Promsing C.pul One Sarica P.O. Bra 85147 Richmond, VA 23276 Sad inquiurs tm Cgim One Sadao P.O. Box 85015 Richmond, VA 23285-5015 VISA ACCOUNT FEB 04 - MAR 03, 2003 4121-7414-5984-4051 Pagel of 1 Payments, Credits and Adjusmmnts 1 03 MAR PAST DUE FEE CREDIT $25.00- 2 03 MAR OVERLIMIT FEE CREDIT 25.00- This is our thud and final notice that your account is seriously past due. Payment must be received within 72 hats to avoid action by our collection department Tiallsac6om 3 04 FEB OVERLIMIT FEE (25.00 4 03 MAR CAPITAL ONE MEMBER FEE 39.00 5 03 MAR PAST DUE FEE 25.00 6 03 MAR PAYMENT PROTECTION 1-888-527-6904 7.97 Thank you for enrolling in Capital One's Payment Protection Plan. Your premium will be conveniently billed to your Capital One credit card based on your month-ending account balance. If you have any questions, please call the customer service number listed above in the transactions section of your statement. We understand that sometimes it may be difficult to pry your bill on time. Ila's why we ve waived past due or overlima fees for this billing pe??? in order to help you return your acomat to good standing faster. With our fee waiver program, more of your paymet will be applied to your outstanding bakwea thereby reducing the amount you owe more quickly. Finance charges will com mue to apply to your account, so it's still in your beat interest to make the largest payment possible. This waiver is for this billing period only. "You are a valued Payment Protection customer and may be eligible for benefits to be paid to your account in case of disability, unemployment, and death. If you have o perieneed one of these events, please tall Consumer Membership Services at 1-RW527-6904 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 pax due, as stated in your Payment Protection agreement. Finance Changes pkase'w rezrrseside f6r impaRant Is fernaation a.?arrr Pnw& ?? ,1SplWa .? PURCHASES 81,12750 .07096% 25.90% 82240 CASH 5.00 .07096% 25.90% f.00 ANNUAL PERCENTAGE RATE applied this period 25.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. : cw 0000000 0 4121741459844051 03 1159730075000959732 P4-eprwt..d.g alias. -&? r-. doi-gsr kA- -Z R- or Here wE New Belem $1,159.73 Minimum Amount Due $9S9.73 Smeeh Apr s Payment Due Dane April 03, 2003 Gry Sue DP Total enclosed f Hmme PMa Alt .w Photo AccoartNumber: 4121-7414-5984-4051 • &nd Adds 419006393423652225# MAIL ID NUMBER Capital One Bank REBECCA J CLAIR a r PO. Box 85147 18 N FRONT ST R . ichmond, VA 23276 LEMOYNE PA 17043-1327 IralJatllaarLlLraLIInILaJlaidlaaalLadLaallaailita.l ? ItaalllaatllLaiilailaallitanllnalLiaLllnrrlaadllaiLaalLl Please write yaw an=nt nsmber on ywtber4 or money order naadet payable to Capital One Bane and mail in tba enclosed enwkbm m 2002 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. lilrf? I? ati? I? 8 O O kV t wN have a mkoman pace period of Ynero drrar n row pOKiwa, mw row yarJal -flaw and new odrr y you brie •Naw Belace•, M the Importie ondhe ad Retire, Your for se below. it be no quat by yea state e ata goes m a In sews ltebd on torah clusir e Farad. In ace _ied ton, rise no prate Den n It If you do do nor Dar On local 'Nees b. Awarding Fleaae Charge. Transactions whim am not ag neaaaemtln ¦ Is exam Wsed am -.2")= rimes 1) the Baca drat dam pe the ataed to ytlnea Account or 31 from dam the l o sr caNrdar day ay &I th de, contest b bating o Additionally, pnMpnr H You did stmt pay the 'Now BNanm from to mpaM balm u d dr upafd balance Is paid in e1. Thb msrr tMl you my M oAM a once cMrya, even it you pay to antim New Bahroe kWcated an the from of liar wtame t by do mad smtarrm closing date, but did not do se for the eppmandou seem. Unpaid LrMe c he t c. Mini Paarae Qrp. ra acd bin p god tea RpatICE t be' $0.50 will bpmad. H the me d ou kcal fnrarce cheap m.10* tree60, vin V=.*, jr amoum fmm eh) the a $0.50 as.5o mW k0 base! t nmu and the tarce will he apASd yea ut. hI1W to the purdrae at acca t d Temporary RalenRa In Fhroe Orp. We rtr fro right to not eases any or ON franca carps for any given lmmaafonsbalance earn ~Nplnal •nd a1Rma myy yllMlea or aedM. (H dM cods N ?prm on Ito front atatrrra tort to .111, NM Applied To: we ale subtract any unpaid ire ist ct nge Included in de, balance e,nnsa.) TWO gives us the ddelly balance, of Much Of each e,7yn aaipbm R b each for to 6MWq pMo all and divdaily behimpas ide, by ft tonal number at days In In bM ft period. This viva us the • daily boWM of each apses. 3. pee et frrordaye, sates IAPRI. a. The, ma 'Annual Psrmnaq Ro may app- a Affli' n da fmnt at Ma atstaant. b. H to code, P (PdKMI. L t2l n u90R), C (Certificate of DapoalU, or B (Brdrard the Please) appears; on toftast of nandpprie n?[neam ?. I; ANNUAL P?IiAAtive deft G "TES mus; MY Very gohMy and may heasase or dotome bard an to stated Indices, apfound in The IYSS Str•Y Thw ?w?pn wN M eNeetlva n city yar bating pe,dod rnvaW ill your PadoAc sutwart eadnp teat" On transaction imm the memham after YOLK arrant ha been cpaW, You account vds be, mop-ad, the ws of M vvlr be added to Your account, ==,A he fe payment. H flwe a ¦ fee for your aemrm, de, he wW cwwi to he re, to 1!r went pemHlM by law, until the account 6?wloa hem been Wid YI LA a defined abow. 7. Yw Aawat.You mid or account smut be he atmaCdn wllh arty imemm gmdeii Trnmmetlmr. 8. Ndaa Ahead 9eaaara tlrah Oawandits, When you F, 0 * • ddnct a Payment, You aralefte us eMr to nM itkmudn from Your check to mks • -4- -ld-M n Ic fund transfer hen your beck account or to Pm the payment a a cheek transecdon. V~ we, use idismardon front your deck to mks an tlacimi ie knd tmmla, tubs may be sel8drawn from Your bank account as spent as the same day we HON" yen kM, w real" ym check back from BILLM RKWn SUMMARY tin Cm Of Emm Or Ouaaiao About Y= aillf, H You dirk your bat In wrap, or if you need MOM inlamO's, an a trYaadan a (fat, wnte m us on a sapamA don " som n leasable at to address for kq idw droem on the from of We statement. We muse hear from you no tear don so dryk m1Mr ws ear you the ice hat m ~ do anon or PMbant apprmd. Ya con call our customer Relations masher, be, doting a vrat not :ymast" year dgits. M Your later, y" a rip fusmuing inamutlep yea mer s and rea" nunbar, the dollar :meat of a ihe eupecW ear, • daea:riptian of Me eror and n arpaoden, 11 porlblavdw you bale" then In an scar; or If you mast mss adn, a dmdpim at the hem yea Vero made about. You do not rove to pay any antetrK iy vdihe we, Vero h, bu you am M te pea fire, pant at yea dr am not in Wissan. we M or =X=A== MegreAft Ministers Mt ai a: m t,t spedd Ate For Cmdt Card PUrderaft If you he" a problwn wth dW polity of =11- how rW- thert you purchased east a crack tried in pod bkh came - - adm de, Aoreant, you stay he" do right not to fay the remaining amount tae n do Y a arvins. Yn he" Ma praeedat any rdon M radrMf d pee wa mow Mean or 3 omit 1ed the prndoa we, mode in your Nmr neu 00 nrdlaa at your mining ashes. tit war own or rdein 1 oPW M the mradrm, or H war Ansfiad you the advsrdewmnt car de, prepetY a serrka, M Dkrrdraea am mveed raprdaa at ameut a br+dn at paeher.) Pleas rwnwnher m afpn a corraepabres. t DOY not safety to eawrar aarcmoa pee accomrs t Dar net spasty to h sheam mlwenort card acrousa Capital Ora stppoms Information privacy prtmcion: ore our v.obdN at www. carat. Gpitd QM b =111= eeMm mark of Gphal Oro Rnndd saved. • 2003 cow One OI LOLBAK you I= now day at Yea ng 2. Average beef salrae 1MWr?AO New P.MI-1. 4. Araweasad of Late. Overawlr MW RranM Paynrrd F. a. Firma carp Is m1a4[NM oy Multiplying the dagr Yw account wM be waaod no mom tlan two of de, tea balance of each asrrat of yea account (e.g., cash listed hero that occur during airy Matrng period. Under the advance, purchase, special transfer, and special Palos) mina of YAK Mmmr apaamarm, M mar" tie 4K to by the cearaix I - daily pedoae catWs) that has been vmive, or not to sense any fan wWtou prior mdieatln to paviaaly disclosed to You. At the ad of each day dame You without waiting our dglm to eases the era or similar the bOV issited, son apply do day pWpdc rata tot am tea at a low them. as of year aawK to he hN1 "lam a atT n d of de, h dod ws Ak I t n at tl Th 5.f Ra swing Your ASMEL H a mufter" la am n do Mnt of di statneawc ea M" 30 a ps , se .. ea . a M st Ma its of daft di calculations to ard" ea W y- , y pp days flan dr tlau die atatanfsrt ease nrasad u you to Id . d W periodic beence periodic the results from amop afor t moant?R tide tow - if you pcartel you amwm. price din psded. you Mali -y balaro inwos charge for yea =T8= Z yar acme wehaa he*, to pay the = , t MP for each r at 1: k. 4 To redone your acmnam. you mat s c tons tm re,no wry no rew och sapnant rb all admipm balantee for each de, by miby Ahng notify fy u her Qrtprrne RWUerr OnDantnrt N ' i NA d a d d and Verypadodc inrantoe clause W Wt" on the pmMus drvo baarca for OUR agft«m. we uten wbrac sty M sw rMe, n (eo u rrg o an yy you atdp rsN ,:d m the ad of the IN"y period. .."IN cated "met" a Cmdu PpMW a of that day dart an re, e. if re, close Yeu Amrad. can regret to doe 1 dot aprd. Them glees NO the apame day balance ==Z-2 tar eadt agent at yea aecoram. Flowavsr, K yea pdd the y Yea sect nrdld and New Balannee aMww n you;O. atat nmnt it kin to aeeour anirr dacb, tercel all paaudcdrad bating, If yea row heWes we, area or • erect ennaram), mw l t sti hi h t a d d aW cease Yea aevteuR. N ye, do not eannmf roaat[WtW amr aKr b vre wat eonnsldar mma ar w c Pa ma a No a Your irm Purchase ag an not added to do day bloats. We, a go da lW d d l b b ati l p ng , a mWpt d a case yea nWodtaaan m sccdarl Adadari ar rcmnt rtif npt bo dead m am o avump u y ance y s ns a y balaces Mgathar and dividlnp the &an by ft reacher of . y, li ums you par as arum you owe us kdudn g: cry de, days In do ArrsrK hiW g cycle. To ralWAe V. NNd tarraWons you he" aWOdind, firtan , liters", past frrfpe drnse, rmidply yea sVemse day bdece by the nd o ic bMft da f df m the f M In d due ma, o-*,h NMn, S us payment foes, oaW advas, ma aW art atlmr ma stead u ea y pa o e s a y con o p o Wdod Um to raarinp an .= a may be a y y acme. You am uwparMda for Ihea aorm wlatlmr aye "dance bewroat cis and cone amain at al" appear n you same at the tins you ragar to fr" * set aaeaawd f tft h H N fi d a t m d th oedo atmamatierea itA mast Io d r TN m ar in t m c 1M t o . s l a appws m or m t a am e next co cob to '&arce, RaM AposW To.' .0 nttdplY the ya mgm ar aeoou . S Y Ha ddMrses appedm a your account afar you him 54439S Important Notion: 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 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. 013 Your account is detinquent. We want to help! i zotC* 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 Cap"OWa VISA ACCOUNT MAR 04 - APR 03, 2003 4121-7414-5984-4051 Page 1 of 1 Account Summary Payments, Creerirs and Adjustmenus Previous Balance $1,159.73 1 03 APR PAST DUE FEE CREDIT S25.00- Payments, Credits and Adjustments $54.00 2 03 APR OVERLIMIT FEE CREDIT 29.00- Transactions $6220 Finance Charges 526.43 Transactions New Balance $1,194.36 3 o4 MAR OVERLIMIT FEE $29.00 Minimum Amount Due $994.36 4 03 APR PAST DUE FEE 25.00 Payment Due Dart May 03, 2003 5 03 APR PAYMENT PROTECTION 1-888-527-6904 820 Total Credit Line 5200 Total Available Credit S.00 Thank you for enrolling in Cpl Ones Payment Protection Plan. Your premium will be conveniently billed to your Capital One credit card based on your mouth-ending account balance. If you have any questions, credit Line for Cash 5200 please all the customer service number fasted above in the transactions section of your statement. Avaibibk Credit for Cash S.00 We understand that sometimes it may be difficult to pay your bill on time. That's why we ve waived past due At your service or overlimit fees for this billing parod in order to help you return your amount to good standing lamer. With our fee waiver program, more ofyrnr payment will be applied to your amtandiing balance, thereby reducing To nn Cunma Rdafi o a to rq-t a bn 4r atden cord: the amount you owe more quickly. Finance charges will continue to apply to your account, so its still in your 1-800-262-1493 best interest to make the largest payment possible. This waiver is for this billing period only. For fie4 dint a4ro4nt scrim and .pedal cut- 4&,a Iq on to: "Your account is 90 days past due and your Payment Protection coverage has been suspended. As stated m mono tapital-rne-n your Payment protection agreement, your coverage and monthly chop will be reinstated once your account is no longer 90 days past due. You may still be eligible for benefits to be pad to your account in cases of Seal inquiries to: Seal pgmmu disability, unemployment, and death. Call Consular Membership Services at 1-888-527-6904 to we if your w Promsin a g R situation qualifies for a claim. One S av icn Cupid Ooe Barite Capital P.O. Ras 85147 P.O. Box 85015 You were asawed a past due fee of $25.00 on 04/03/2003 because your minimum payment was nor Rahcoond, VA 23276 Richmond, VA 23285-5015 received by the due daft of 04/03/2003. To avoid this fee in the future, we recommend that you allow at least 7 business days for your payment to reach Capital One. Finatsce Charges Pkaera re sialr)6r ix afortart mfwwatsan Ba7e¢+af< ,rpllrJde P:t& C- fiat !r ddPPRR _ RN (jj: PURCHASES s120L47 CASH 5.00 .07096% 2590% .07096% 25.90% 826.43 COD ANNUAL PERCENTAGE RATE applied this period 25.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. tie 0000000 0 4121741459844051 03 1194360075000994368 New Bslaaoe $1,194.36 Minimum Amount Due 5994.36 Payment Due Date May 03, 2003 Total enclosed $ Account Number. 4121-7414-5984-4051 #9009493423652220# MAIL ID NUMBER Capital One Bank REBECCA J CLAIR P.O. BOX 85147 Ill Ii t III O' 18 N FRONT ST seises ss s ss t on LEMOYNE PA 17043-1327 Richmond, VA 23276 m Iteltlttnt,titnrtniente8tetuettntetntttuessuettnesti ? iteeuleeeultettlttlttnttteuetutttltue,tltttmttltttutl Pka- write yov araxwt nawber on yo dick or worry order wadepayabk to Cgpitat One Ban4 and waif in tba endered envebfe PG.rprmewaiBaj.JivxsaaJ e,adrdsnsaabdaaans?H.swNaop:eL Stet Apt a City Sore ZIP Home Phone Alwnnr Pho- • End Add- r m 2002 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. 0 m tb O N a. arw Psdd. You w9 bare a winnem gum period of 26 dayo wkhWA rw,n dw?a m new pmrtMaes, renew balarca tnmem, nevi yodel P= and new other dla%as It you pry Parr Roue 'Now Mania', in amordarp vM 0, IniedMa Notice for payments below. and In time to it o be aAmd by yms rend hmtenen coming dam. Theis I. to secs period an cash aMrcse and We" 1rerlelm . In edAdm, arm M ro Rams perod on any transaction if you do not WY the toed 'New b. ?Y Rhmamee charge. Tom aalar which as rat rejaisert from om lea Wpaiaaans dmaas 2) dfro sae dram Ms l then amen is irsom ad to yam Aomamd or 3) trans the amt caladar dry of tie anew bass Deed. Addtiaelly, bNliyrapu rid rot pay tir'Nesv adarce' mom 0. pa iew condmas to acceim to nom,"ao Ind balance wall M mrmiW belace is odd in full. l rs rr." trot you pay the aim yo ?aauream b set added to tie t c. Madames IR - - yam accave Is r tad Rt1ANCE 0 toed erha M d. m w amew it from lea a err phew td Tebslane fraay Rmir of yokmrmbill" as votar andrg an ymr account If it has already bean dosed For example, 4. Ameswt of LIss, oversee tied Reseed PaVista Fees. Your atxount will be Removed no race than two of the use hated have met occur dukg my bights Plod. Under she tom of you mrsmeer Monomers, vie reserve tie Aafx to rdUhou prlbr rotlfcaaen m wawa or net to assess any fees asses tlhe sere a akdisr 'Ad" waiving ou rpm to IRS or see. 6. Yam Aessud. R a membership be gapers on the Gm of this statamerm, you have 30 Myer faces ter date riis emissions was raised to you to avoid paying the ism or to here aim fee crossed to you if you trace Vote account. OuNg this poled, you neap common o use Your Mixture wlthdd he%" to Pry err YOU MUK DepMroherx nnotify im by Desks m" CLammem Relations and pap 'New Baistca' M fed laodhrarg the a. N Y ? AtesnrR You con rope to cities yyouowr nc?caaa Dy Hang me Cu mmmer (Werlar oapironert. You dear demo" yam Crest ndisl nd accost access decks, nrcel a8 pmaauarriaed basnhp, and ceaee wave voter aemmmt. If you do not recd pneuhd: hilbg artangemems, we wild cahdder emsipt of a charge yaw ahdoritadon o eym yya01mf account ArNaaMy. your Mrsamm wY ear be dosed add Vier pay as memories you owe es khdhr I - any tramactiom you have adherited, a-p charges, fare der hies , ovedYdt Uses, retie ed payment fen, cash wha ce mss and any, otter fees anomw to your seCo nt. You an resPodbe fan diem amemms whether do oee appear on or 0" a Uncured obsequies to the daeaenr o 0. account. This may decor aoosat rinse ht in win accoLex after you haw It you suchim! ed a Purchase from a merchant and we Few" on transaction from the merchant after your meoPensd, neami t has been sherd, your aov:R.m wee be the arms of the dchwsrYgee wde be added o your accolem, aal be myerrale fur p ismair. N arm Is a n tae tot Yam award. she in will tandram o G derasd, toFen ter mmem pemdned by law, Led the acmua himn been pad In La n teemed above. 7. Uabg Yam Aeeaed.Yeur end err sotoat cannot be used b tmmw.roan xAth any Inamm gernbling ".rret:dar. my seas OnvaWn. Who' a. Norio Aaae I Basimmic er to pro Information a as s P• Vote You sited:e or dri.. hse ., Uid lens year check Voter r silks err-ems Mo:uanAt (upda tramM from n ya bomb account a to puae YAamalam I re as drrl to mks an ebnrmdc tied transfer, lads may be withdrawn from veto bank aomoun as moan as the seers day we recdve your receive ywr chock back trans BILUNO RNgfrS SUMMARY (in Case Of Erma Or O madorm Aber Ym a BIN) H you aimk Your bet is rang, err N you need nee kmlennsNan m¦ tramamaon st b•, wilts to w on a .Ztm drat m aomm es peaafda at ft address for Ympidr afewh an the hex of this smmnen. We "Ran hear ban you m 4er tom aD ddryaves after we men you the erg ha m which dm ewer or prabistn appeared. You can CM ells Qlerenner Rolatldrr member, big doing so will not ?yow e4hm. it, your Iater, give u err following your memo and so-% number, the does, annum of to simpeeted errs, a dseedpdm of the error and an aplmadon, If poesMAe, of Wwlww you basehre them I. m star: or It vw rood moss kdarrmaden, • demo k ion of the bon you am mRMUa abed. Year rob rot have to pry any amount In tpdaeon while we am ktvatlpting IL bid you are to ooblpsted o pay the pare of you M 10 am not wor In gkmmkn.lMilo w W"w 0 yam pwtlm, M I C Million YOU y? o of aloe my amdon o nom tG t,t Special Rue For Credit Card wrmmee N you heve a problem with the qudhy of property or services ohm you purchased weft a creda card and you have od in god faeh to commit the problem wish the nrirn, you soy hors dm right net to pay the m aidni g moue dr m the popaty or rrvices. You hove this protection aty wen the Wdrse pIn wwm moo than Arh0.00 and the puler ws made In our Amo ate or wlWn 100 missof you males rill fit we own or opens a On rmsiwt, or N ere mass you the adwrtl eassra for theor mavi ail pucMses am mead raPrdess d i.noum or location of purchase.) Plain a remember to sign as conespodence. t Dbsa nor rpptr to moamnar non-nod[ hard -cmmmfe t Does nor apply to bramen rarvadf COW weeks Oro Repose inermaion privacy protection: see wr er wow. Cam. Om is a rosy regnered MMOe ..,it of Capital 3 offal Conporelm. AN rpm reserved. - 2003 One 01LOLBAK DtM of smch sagmam eedr day, .m any now transit o am: seamheb and aboi any paMnerra MerMm read to 'Balance Rae Applied To: vie Mao mrMrad any mpdd finance dirge Yarded In tlr betmrp of ageters. each aa7- I This giivves al to in du daa?ily brlanea of each belainces for each lor* WAV PS" "6Mtls by to Mid mnhrhpreof dry In tie big plod This gives in the Anvil M ?a ROMJAM L sep se . a. The arm ':saes Paroarsaga Rate' may appear n APR' on tie troes of tida Mthhaera. b. If the coda P (Pdinell, L ri mo. UBOR), C fCedecae of OaPOaid, a 8 (Baxkcerd Primal appears on to fmrr of tfmis nemwm next to the periodic raoff , the parleft miss and nmaoadm ANNUAL PBICOfrAB RATES marwatWMoyw. dr fard?7 WMZSlrae Geed pNabM aagmNrs of Yoke Atawm. ?I?aradc gato a . For aadm does period amt knpseed saltilmien If the M of ? M ? bib in it c. If th US( pp 1 h mahatig ham tlr rile altlet ne dam oil 60, and aWtnce 1.6.0armpWnderrmmtmyaad ras rlMaerhoe w18 G n kh pbenoadasaga. W. iuatve the and vin the ay or alb Armarce charges for any given wet. 2. Averagi bet, assmose IYw, - - New hadem er. a. Rmrp charge is caaJaad by mddplyi g to daily balance a eech eea - of Your -comes is .g., cash advance, purchase, spmdd inhaler, and epodal p sdhmN by the hsmyadr daily I I I raMa) Ma has bon prow"Niv a you. Al ale and of each day duxng the Maig Palos. we apply tie didl patiede FM for each of M mhsK Thavow n es1M?ind ollam dity bWAv blip" of each period, vas add up as mawAa of fees hsladadar a strive ma each mods him each magnmen to either a the Dal pw ue inane dregs or You -dazes. To get the dFAy Wo for nadm ssg so m of You imemam, vet take tie be(prr.n g trarmcdar balance far each segment and add mmyy new and rap oariodc lrhmrm charge roltuOW m the i mdoua day'. baferme for met aagrhwR. We din subtract any payments of cadta posed a of 00 day that am allocated to 10 aapnem. This ova in On separate dally belNCe for each aePeani of Your accou s. Horaver, If You paid Ow Nov Sesame, dews an you peMOe uuww m In fed (or If your mw balance vim Zero Of • Credit MOUnt), row tramhseetlar ~ Poe to your isach as er .peslal psdea -apmass as not added to the daily balances. We cdcadam, the everep daily balance, by bd-omw mopaler and dividing do man adding daily do eerier of to dap N the comm bang cyW. To calculate your heal francs dw9b. ram"y yar average they bdence by tho cosy me and by to rmaGr of days in the ng oleo raaeng on a daily bads, thaw may be a apt vademse benaerh der calddatlam and the modes of b. If On obi Z a IA -pPmn bas of Ws ammmnn nine o'Bdop Rate Applied To, wee mshlply she 488995 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 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 earns 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. 014 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. - 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 024-1102 VISA ACCOUNT 4121-7414-5994-4051 APR 04 - MAY 03, 2003 Page 1 of 1 Account S Previous Balance $1,194.36 ==6. edits and Adjustments $64.00 $64.00 Finance Charges $2631 Payments, Credits and Adjustments 1 o3 MAY PAST DUE FEE CREDIT $35.00- 2 03 MAY OVERLIMIT FEE CREDIT 29.00- Transactions New Bilaoce $1,220.67 3 04 APR OVERLIMIT FEE $29.00 Minimum Amount Due $1,020.67 4 03 MAY PAST DUE FEE 35.00 Payment Due Date June 03, 2003 We understand that sometimes it may be di&cult to pay your bill on time. That's why we've wirnd past due Total Credit Line $200 or overlimit fees for this billing period in order to help you reran your account to good standing faster. With Total Available Credit $.00 our fee waiver program, mare of your payment will be applied to your outstanding balance, thereby reducing Credit Line far Cash $200 the amount you owe more quiddy. Finance charges will continue to apply to your account, So it's still in your Available Credit for Cash S.00 best interest to make the largest payment possible. This waiver is for this billing period only. At your service You were awned a past due fee of $35.00 on 05/03/2003 because your minimum payment was not received by the due date of 05/03/2003. To avoid this fee in the future, we recommend that you To all Caste Ris6ms w to mport a lost or dAm card allow at least 7 business days for your payment to reach Capital One. 1-800-262-1493 For f--dine acau A savia and sPeoal Mo- cE-, log on n Sad Payments W. Sad iaquaia W. Attar Reminsam Processing CgiW One Savior C.Pina 0. swim P.O. Boa 55147 P.O. Bra 95015 Richmond, VA 23276 Richmond, VA 23295-5015 Important Account Infinrmation Did You Know? Capital One offers more than just credit card products. Wrth more than 47 million accounts, Capital One provides valuable f nsocal solutions-including auto loans, personal loans, CDs, money market accounts and more-to one out of every three homes in the U.S. Finance Charges Pkw sw reveres rrdefor earforta d tA, fwnratmx 1 & ? WE rde Jb U) PURCHASES $1,236.03 .07096% 25.90% x26.31 c e CASH 6.00 .07096% 25.90% S.00 b ANNUAL PERCENTAGE RATE applied this period 25.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. oYl Ba . 0000000 0 4121741459844051 03 1220670075001020676 Pkrc pi,a a?roer .tit ?w r-md Asa taw,-:.d est m u.? :?1 New Balance $1.720.67 Minimum Amount Due $1.020.67 s- Af, e Payment Due Date June 03, 2003 Guy sties ZIP Total enclosed $ Home Ph- Alte-w Phone AccoumtNumbm 4121-7414-5984-4051 Emd Addrae #9012493423652225# NAIL ID NUMBER Capital One Bank rn REBECCA J CLAIR P.O. Box 85147 ilinuulinlnlninil ry !a 18 N FRONT ST Richmond, VA 23276 LEMOYNE PA 17043-1327 Iulrlnnl6ulniiufill I Isllntallunl6tnliunllunliunllgill Inntlllunllintenlulnlluuiinllunlnlluglass liulunllni Pke wnteymr amramt nambef on ynP cW or money ordef madepayabk to Capital One Bank and email in the endwed envsbfe ® 2002 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. bf?i f!• il! aaaa? a? 8 O 0 o N raaw IT You xrM IrMva a mYims gran period of 26 aq valdraa franca W=A=.w Korean, new balwrq tlaralem, raw raw char clsrgea M YOU PW Ym total "Nor BNacl" In adxorarxca ram rtes knpowra Nalco for p itomme brow, and in time for it an be «edted =n==0 and special ipeeideft. Them Is no al tanfas. In ad ? d1' , ease in jpps period on any tnmdan If You do net pay rite total Maw balance.' b. Awarding Fbraa Charlie. TmoWora Math am not betitet d: of 0: irate 'W1 a a 2ldfrsaLa = , ) ua abn Is Processed w van Aecaad or 31 from der rasp period Tr tor, arse CMMM CMWM to arrow to ywr upald balance rsdf to rapid balance is (aid in full. Thk Tows that you ray A owe fmarta charges evmx if vm pay the wen Mir Balms bduted an der hoot of Votar rot do so for by pmdo nine sumemint Mas monthrnaMh. Upai dd Nice charges an added 10 Me sepnwm of your Accorda. t c. bitraw Feraas For each besrp period That your amwat is wtlea to a Arse drrya term FNANCE E Of $0.50 vdl be N tlr tow Uanoe daps rwdtlra firm dal amNeatlar d your periods T h Nss 7o n we will steered tMt amass from rate der W.50 m naYYnixart will is dMrwtce will be bind to the pdolrse aa?rm d war accwa. t d Tespwwy M lw alem In FYrr Grp. We mom the age toOpanix nssssw anW O mall fins a Oberlin for any giwn 2. a ?Firnp aM u k m lease d 6y miaad l daily w add up reacts tram "M eegmara to an" a ties tow )xeraoac anmoe these fa your amo ss. To gad The ddyY balance f« prim rs- of ymr scoxim, w take are boo balance for sacra squat red ea r transit may, b=dIcIc limence a ? ealaalaad raw We Than vubtract any pay is we matM pomp as of M aY Iran am allocated m M copra. Tins des Us the wpamm tidy balance ban each repress of yam aceout. llovrorer, if you pad the New Bmanee sI- on year paMaw will in sal (a If your eaw balance taws zero war , seas), raw trarteeeton vrekh Poo to Your pudar a op." We tlne dMy bsadded lbcca to by the dairy adding balancer. ?y catechist ted, Wear cod dmap 00 am by des rrambsr of the dew in The c rtwa biw twe. To cakdate wair taw burs, aim may be a eon and to palm at pwkxk rata. To resin tle swerge daily babes f« the t»vsned by to. idaedrd, w tab as 6a to Sand aeaapc rAx?asdpnwd sadt day, add any new « erwte. (N the code N appsats trap aaarrad next to 'listener Rae am"= any uprd frxrce rirrp rrdxuded b the brae of each espwnr?.) Tins giwa w it. dairy balance Of r a It saonad. Tlan, we add w fie tM dWy balaraea for each rummer of aye n 1. nap period. TV" grass u no awPawtage Ram nqe daNy 6alantoe at can urn 3. MW IAPRI. a. The tam 'AntwW Faeartap nee' may appear as 'APR' m tta find d tlis ahtanart. b. If the cods P Postal, L (3yreo. UBOR), C (Camfica a or Drpealtl, « S (Bank-rd Prime) appears on to facts Of tfle near onrdar? on periods rates des pwmft urea and arnd ANNUAL PGRCEWAG RATES Samet «i the Mte?d kdnsandm rknobsaT..b lt?scmsw based .loans( pew der margin =y disclosed to you. Thew dal VAN be • w n Ms first ay of your mmtlr J?arv?AppA October C. If do code G fPrinrs), F (t ? UBOR) «0 0- = =0 -=Nwkde at rapes: co rial. t tla =1 your astamfir M s rates iM marpn pewwPy MMWd to You. Tarr dranrpes win be efface. on to tint deg of your bMnp period each month. 4. A. .0 err Law ovatene and asserted PayrNt Fur. Your acoova Vaal be anmo"d M aer awn two d one tees listed hers dst ow a duing any Wfirp parted Units; the tams of yea customer afpeemat, we reserve to ridrl ta wive a not to napes any tees sided prior rodfiewber a w exist wevog our Via to saws the urn a m. tier a a emu drag. 6. tear from o this If a rtwori t, y bar day. horn tOree data site 9M cow mNls~d m yo30 u to avmd paying On fire in to IT soh M emdbd a it yo weal your reverts. During Ow period, yes mo con mia eo we you scoaso VaMhiss he** to pay der membership tea. To carncal yes aecwsa, you rout sadly its by n" ow Cwterar RMNas Depewrd and pay your !bur Balsroe' In f A (excl udrp are rrrwsbanmp fas) prior to the and d The W ity-dsy period. S. M Yee clew Year Aerated. Ym can tetpsw to row yyeteear account by cawlp our C uls n v RNaias Oresmssara. Ym maw dsauoy yow Cndt carpe Ned aeeoxet senor dnscb, cartm d Irnaedmeked bwbp, and ceass Yer+ saris, k ym do not Carncei Wallis ad ctepa y adm 10 ?eapen yaurr account. Additional! y, your accaam win rot M weed until you bay aN aerosts wr eves w koliefiv any transactions you haw a rthorized Ntanca dtatiea, post dial later, ov~ less, tekatad payment few. cash advmce fees and arty odor fees awawd to your account. YOU on nssprrdwe tor dew amtewts shstMr in" appear on your arxroumt a is tm you MPaw TO des as account a my am roswd oMSgram to Your redwat a do.. the aeeorat. This may mwo ti daps ?p?ssdrp oeyYow _errn?t m ?Ym heve your accord if It has mawdy been nosed For example, If You sta orked a purchase from a nsadtara and we roalrs tba unmeardon tam dale mordwd after your aassam has been closed, your aerxYUa will be leopenellr is stout d dal w11 * added to your recoua, aM you vdN ba teal poyraant. M palm b a to be app Ne f« you aeeoesr4 der he cow rontrus to be W to the exam permitted by bur, until the se n ices been paid in full as dMned above. 7. Ibbg Yaw Meosa.Yow card or aceorra Career be used in corm edrin wait war, evernart gambling 8. Most Asst Ebdrmiio Check Clewiston. Wiest you provide ¦ ruck k as fat' pay art, you au k e rear To ass Nlwrotion from Visa pros r rob a • o one- electronic traps traeaNr fir your bank account or or t to tee infemadan t?mm yp- . deck train .. it-. wheat r riser to make an slactrianic fad Transfer, kinds may be va*Wb bon your Lric account as most as rids saes day w mores your poymnt, ad ym wY rot mnlw yetr dock back from Yew finaridN kada,dat BILLING RKNaTS SUMMARY it. Cese Of ryraa Or dwrWaa About Your IN) If you fink your bur Is wane, a If you need mom Information on a traratctiax or bur, wdfe TO its on a aaperm rase se ran es Pont" in to address for rpufae Yawn an der fret at des sburwm. We True hoar from you no Iota Man So a tba fir be on aNdt the water or paw Yco col tear Moscow Relations msmMr, but d*V ao wN not ppaIe1asservMs V. lights. In your brner, give w tb NNwtrp kdomwdan: Vow mass and mcoeat muster, the dried eaM of the suspected arms. a dwcdpdm of are ens aW an r pardon, If poste, d you brhw dim I. m errs; or it you reed mom o dmdpd- of the low you am Tensaw abed. You a not has to coy army armom in question wfas w am Mvderig k, bu you an =to ? y tme paw of ysr 0? dal am no V or U b Yam Tiowdo n, we cannot meat Wu ci or te my action a Hatt des t,t Special Rae For Glees Cord Purchases if you law a problenn wdh the quWty, of haw senicas am you purchased Nat a craft =WY- tried In um merchant, youmyhow tM altars ter to pay the remaining amass Cho On des paparty or earM«okw.. Yea how this Kocdm only iihan to 9$60.00 and it. .cJ. mxeds In Yes has eras s within 100 nINY of yon mal6p addrar. Of w own s Try OPwm The merchant, or H wit «aesladM d purctum adwNwnwd for The props am nvaed roprdew d amara «rxcoaon of purchase.) Please mmanbw ta mgn as camepMdwce. t Does not APPy to rxaaaw -cot cad acnrrrs i Dowser spay m bramraat non-a sdl cied.ccor dal One appow rdormedon pdwry promcebn: ses our aerAct mark of capital I riytta tewnsd. a 20M OILOLBAK b. If the code 2 a N appwra n tlrs from of Pis statement era a 'Balaess Rm Appled To, w mddply the W29S 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 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 bast five (5) business days for postal delivery. Payments received by us at any other location or in another form miry 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. ow Your account is delinquent. We want to help! i law pcwa --3 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. It's up to you to take the first step. Call us! 1-800-479-7231 MAN-= CapitalQ?• VISA ACCOUNT MAY 04 - JUN 03, 2003 4121-7414-5984-4051 Page 1 of i Account Summery Payments, Credits and Adjustments Previous Balance $1,220.67 1 03 JUN PAST DUE FEE CREDIT S35.00- Credits and Adjustments $64.00 2 03 JUN OVERLIMIT FEE CREDIT 29.00- Tnnunions $64.00 Finance Charges $27.76 Transactions New Balance 11,248.43 3 05 MAY OVERLIMIT FEE $29.00 Minimum Amount Due 51,248.43 4 03 JUN PAST DUE FEE 35.00 Payment Due Date July 03, 2003 We understand that sometimes it may be difficult to pay yew bill on time. That's why we've waived past due Total Credit Line $200 or ovedimit fees for this billing period in order to help you return your seem= to good standing faster. With Total Available Credit $.00 our fee waive program, more ofyour payment will be applied to your outistandim balance, thereby reducing Credit Line for Cash 5200 the amount you owe more quickly. Finance charges will continue to apply to ytxv account, so it's still in your Availabe Credit for Cash $.00 best interest to make the Ingest payment posse. This waiver is for this billing period only. At your service You were assessed a past due fee of $35.00 on 06/0312003 because your minimum payment was not received by the due date of 06/03/2003. To avoid this fee in the fimre, we recommend that you To al C-tomw Rdamw or to report a lost or stda card allow at least 7 business days for your payment to reach Capital One. 1-800-262-1493 Pot free online aoooont satire and spe ial .t-.ff-, log on to: _ogiinlmie.oom Send pa)oiab to: Send inqui6a to: Atrc Reanim-PmoiNniig Capita One Savior Capeal One Seniae P.O. Box 55147 P.O. Bar 85015 Rkhmond,VA23276 Rielimond,VA2n285-5015 1' mange Ch ages; A6w"i~re sdefOr is #daNor i'xfo?matjan ;!?dte ear PURCHASES $1,26210 .07096% 25.9096 927.76 CASH 9.00 .07096% 25.90% 9.00 ANNUAL PERCENTAGE RATE applied this period 25.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. ow 0000000 0 4121741459844051 03 1248430075001248438 New Bdanm $1,248.43 Minimum Amount Due $1.248.43 Payment Doe Dace July 03, 2003 Total endosed $ :1 Account Number. 4121-7414-5984-4051 x-p-taaliiir.dkeaide._aordngokbiv_.ZAl.e AA"-i Sven Apt I Gry Sure ZIP Home Phn Al- Ph-, !!!? •9015593423652229# MAIL ID NUMBER Capital One Bank r REBECCA J CLAIR P.O. Box 85147 11I11I111IIIi1111I0If o ! 18 N FRONT ST Richmond, VA 23276 m LEMOYNE PA 17043-1327 IIIIIIIIIIIisIIIIIIIIIIIIIIIIII1I1111I111II111fill IIIi11IIloll (ntillnilllnuiuiuiinullnllniliiiurinilllniniliil Pkaie unite rivr auoant wanber on yxw eber.F ar mom'y order nurkpayabfc to Capital One Bank and mail is the endoed eaodgoe r ® Zoos Capital One Services, Inc. Capital One is a federally registered service mark All rights reserved. BEER= I? ter' 8 O O O N A. same raid. Yw vdl haw a mYlessm pan period of 26 daW wkhaa anance char" an new purcMw, raw balrce tnnafera, raw spaces fo rdsaa and raw other clangs if yoo paw yotr WW •Nm rWaw', in axpde ce arias de bportM Node qr pmymsmm below, and In tines for It to be uadtad by your next atal smal data. - and aPedel trerebrs. In addtlon"den b Bran period on my traradlan if you do not pay der total Now b. tAtervirilif Irkmema Ouse-. Transactions witich an nor subject finsince Charlie 1) data of dro iatemare akn ta ) from the date ft hlMto t transaction is processed to yaw Actium or 3) from the fine etaclar day of tM anon wrbI Additionally 11, t ,ft der not "the e 'Inv Blocs man de W.Amet pus M bear ce into unpaid balance e s TO paid l?iJ up l. TNa moat doe you my will owe finance darye, awn if you pay dw sdn Isms Belonce Maned on to trap of your statement by de nos aWaamee closing data, but did tc. ptMdodc ntNq leles tun 10 so, It = 1 tut sousint ==.= aIn $0. rainkroon end todI Ia vela be t d. 6 Rrr amal,a. We mere the ripe to nnoottQasaw any or all Soma durpea for any given 2. a = 102 kuacal adand M md PtdPlwalusethe l.dailr Mann ct ewer arpnes *am any, am my n to q aria ere h I and alaerw -M' Wym-re or credits. fit de reds N app- ?an on o hem of tNa the statemem next to 'Selena Reto Applied To; we abo amtrnct any upaid bens der" Incidat le cis belan at each Tlwn,.) TN* 91- us tM daily bit- of at --pant. war add up aS des doilyy bs1mcm'or sae woment tot the Marv paded and avitla by as total number of days In to bNkrg period. Title pw a tM averge daily beMm:e of each +e0--r-. 3. Amal raaedage Motu IAPRI. a. TM mum 'Anwf Panama" Rau' mail appear as APR' an der acre of dd- atmmsm. b. IF de cods P Primal, L (3ino. UBOR), C Worrisome of 0epaltl, err 8 (Saud Pdn* appears an the from of tNa =eteerhen ?re to de pododc nest), dr rate and ANNUAL PENCENTAO RATS my wry dCe. n Insina The Wag S& based on the Mama emA .lounat Plha to mampimm pwiady d ockso l to you Tema wq a efinetl an Sa Ml day of you bum CONIet by you periodic eaMOM etAtq sfata nsaa, as roue in raw wpm lamer dorana, pus the reargle previously dwoeetl fo you. Tema dual-- ws be mast" m the Srat sty of your Mare period each moralt. 4. Asaaaamat or Lab, Oracle od RokmW Payues Fse. two of tM hoes Yor award v41 be sasmd no sears than Kned Mn dot ocorw duke any billing period. Uhler to tow of yoe oumaner .pews tat, w more the dpt no wsiw or not to saws any two v"-x prior nodledan to withot welvkp mr dpt to same de sane or dolor at a IoM tkm. 5.frw You damsels. If a mernbanddp lee appal on the from of tie statement, ym how 30 don iron the data this summers ones to you to awe paying do fm or to have such be aaaoatl to you if you arch you acntm. Duke this peeled, yw my condnw m w Voter sa:oum wkh m .vin/ to pay hale mrnbm it ip foe. To cancel tar asomrs, you mhaam notify us by raanp cur Owner- Ralatlarr D.p.nmst manmd apley?yiap 'Now Saloom' in * (sakdnp the f the 8. II Yw ClerrYehrpAeaaat Yw cm npra so close aasmrs by alkp err Cueoms Relations romm. Ym oust destroy Veto oradt cared(s) and account amt dheelu, cancel all proattuahd fears, and pass adios yam wale If you do not arcel r w? charge, y" u s m ore WN consider to mryar -cotae. Add tonally, Veto mmua wM mm bs dad uel you pay r smarms you was u kckWlnW pry tramaWone you how m u erkd. fiance charge, pat thus tea, owrAdt tees, romnsd payment fw, ash adwrce fms ad a y odor ft= sommed to you ac sous. Ym an mssporiblm for rhea smarm whedwr dry appar an yea mecum a tha d m Vyeonun repeat to rive der aa0ua er day M flmawld stesequsts to yams ramhmea to clams Ills maws. Thb mil mma fn your account if it has s1 dy been closed For sample, I you aWpd:ed a purchase from a merchant and vas naive the transaction from the mmordhe t after you aeeare has from dosed, Voter aecams vAM be reopened, she Mau of the Chorga YYR be added to , and Yet will be rmponerbla as p.,. I yamdon measureb a oembmalep M for Voter araae, the he vA mekew to be cherpsi, to the .xmea sMilid by law, tone the aeewm bolance has been paid In fuse se; defied above. 7. Uita Your A- mnLY" ad or stoma cannot be used In connection wAth my Internet paMaq inamacdle 8. Ntba Abet Elsabedo Ogee Lbrnaedl. Wien you provide a I R as payment, y-u mho4za u ewer to w Intervention from you decic to mks • w-fkne electrode tud transfer fron yam bade aeoao t or to canoes depa ynwm as a check transaction. Whm are mss khternatfm ==b deck m nab ar aleetronlc ahfd twastes, whih6nw from you b-k accord a mom a the same day we rsalw yyoouu payment, ad =not rot receive yon dark ah de iron yam aerhdal irrtimwim. SIWNG RIGHTS SUMMARY (in Can Or Farms Or Questions Mad Ywr Bar) I you Cart yam bar b wnaq, er I you need move kdonnedarl n a b reaction or bill, wrist ro u on s esparsa elect as sour as pomaab a the add- for kspdde devil on it* from of Vdo sa.nere. We must Mar from yw m Mar am 80 =Z== e first (lS m wilds to -nor er al err Wapner ll- for naeMr, led dokp ere ail not gaervs you dpa. In you letter, give u ere fdw kv f Momtof ==: somrsaMar, of ooen dmdgeese and an explanation, l error, or R you I H 1 used d norm m or, a of you' , ft a u' der thew Is 0 ou avee pa of de it- yw M u mm. vd . rwrhvdaao1inot have to pay y arty seems ?n pads vwHle rra an f j k, bus you am as -bl"td to pay the pans of you WB der[ an rem le pNalkn While mss kwetlem you Yundam. war r?rnn s s mil actlon m ccllect tM or murs you t y ar Otansi d amou elm• i.t Special We Pon credit Cant Rmdma I you how a problem with ft gWky of property or -Mee that you purchased vAth a credit man and you haw tad In good faMh to correct the problem with tM merchant. You awry have de ripe not to pay the rmanakirp amehm der on to property or mM- Yw hew IN. protection org yy when rile phmcMse was mow tan $50.00 and tfe padres sea in yea Mnme mm or within t 00 sea of you mdkmg seems. Of m own or dvsNse eft enearchant, you a e Pwems for cp eY siMwia, atM promsmnwMe averad f-"tA-a of amour a kcatlon of purcMe.) Pler to sign as anppadeca. t Does nor apply m conaronsr Wo•cndy card acnmrs f Doe nor aPpfy w arwesaa aorraedr card accoun s one appob inbrmadon privacy praacdorc see our wrrw.eWtalaYm.amm. service mrk of Capital Ons an cal Cwporall Al ripn rear-d. - 2003 One OILOLBAK adwnse, pwrdhew, special Were., and made puroMe) by de ansyamap daily pedodic rat" that has been rq proviousify doclowd to you. As So ond of won y 00 blMp period. M apply cis day periods ram for sacFl sepses of Your accom q cis MWma a ever apmem. Then at to and of to pedcd, we add tp ft mmstdts at tmsee dolly alto stione to sdw your moor tnmadl?iq wit adat me qw aRuder, finance dhego for your atsmas. To "t der daily b d- for each segment of your mason, we was to' g' 'n n balance for each sspnM eel Cad my awv enemas pry Ar am derg- calculated an de prorias and b=ft doy s . tat --cream. We den scums mmr pawns" or rote I posed nor am sty the M aMcnetl to dal segment. This pw u Ilh= a WMM daily bapeha al for each - Of Vow moseare. Now Balance Ip m Yotm cocas suamemsb fie (a if yar new balance we zoo or a mxe I Mauro), eve noremscte vihidh Mss W yam Pmmdae OF NAD" e nlwa mission awe not added by M she to daily bolances.y ba.sre topedwr and evidrp tM mum by the number of the days in to arras Man qde. To c=la4ts You total aura dusts-, n"Aw Yom awe" daSr Warps tlha ?mMiaMrq ant a dolly basis, treat my be a tips wdan a bsro w at ills nkoatlan and cis emus of fiena dsr" acttraly saaOOed. b. 11 the aria ding a N appaa m der Was of thb saianan next to 'Blocs Rae Applied To; we aaddply the 52307S 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 canter 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. sow Your account is delinquent. We want to help! i anti -4 To protect your credit with us, you need to make a payment. -4 We can help-but only if you call us. --3 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 Coital QnP? VISA ACCOUNT 4121-7414-5984-4051 Account Summary Payments, Credits and Adjuetments JUN 04 -JUL 03, 2003 Page 1 of 1 Previous Bdimce S1,248.43 1 03 JUL PAST DUE FEE CREDIT S35.00- Credits and Adjintments $64.00 2 03 JUL OVERLIMIT FEE CREDIT 29.00- Tnnacficna 564.00 Finance Charges $27.48 Tnu aaetions New Balsam $1,275.91 3 04 JUN OVERLIMIT FEE 529.00 Minimum Amount Due $1,275.91 4 03 JUL PAST DUE FEE 35.00 Payment Due Date August 02, 2003 We understand that sometimes it may be difficult to pay your bill on time. Tlies why we've waived past due Total Credit Line $200 or ovedimit fees for this billing period in order to help you return your amount to good standing faster. With Total Avaiahle Credit $.00 our fee waiver program, more of your payment will be applied to your outstanding balance, thereby reducing Credit Lae for Cash 5200 the amount you owe more qukkly. Finance charges will continue to apply to your account, so its still in your Available Credit for Cash S.00 beat intaea to make the largest payment possible. This waiver is for this billing period only. At your service You were asteased a past due fee of $35.00 on 07/03/2003 bemuse your minimum payment will not received by the due date of 07/03/2003. To avoid this fee in the future, we recommend that you To c& Cu coma Ra46- are m report a It oar *A. ord allow at least 7 business days for your payment to reaeh Capital One. 1-800-262-1493 Far flee online amount write and speod oatomw offsa, log m t-: vraw.apihloneoom Sind Paymeraa to: Sad 4.riries to Attn: Remittence Prumeing C.PW One Savim Capital One Smie s P.O. Bar 85147 P.O. Buz 85015 Richmond, VA 232,76 Ridunond, VA 21285-5015 Finanee Charges Pfam see reverseaikfar inrforraat information ita6awn.re Perfa& - WEI m e?7.rl m /PR rdr a PURCHASES s1,29o.66 .070%% 252 627.46 CASH 5.00 .070%% 25.90% 6.00 ANNUAL PERCENTAGE RATE applied this period 25.90% PLEASE RETURN PORTION BELOW WITH PAYMENT. 0a 0000000 0 4121741459844051 03 1275910075001275912 New Habana 51,275.91 Minimum Amount Due $1,275.91 Payment Doe Date A"02,2003 Total endowd 5 AccountNumbec 4121-7414-5984-4051 Capital One Bank P.O. Box 85147 la iniralalntllalull Richmond, VA 23276 luialuiirra6llaaaltllullmllfill Still tllmllntllgill Pfauprv+t arailaegali- e,aa+r6aga klm mWMet w kwi irk Spear Ape 4 Gq Sine ZIP Home N-e Alemnre Pints e Enid Addrm #9018593423652226# MAIL ID NUMBER REBECCA J CLAIR r 16 N FRONT ST 1 LEMOYNE PA 17043-1327 ° -- lualiluallltutlulnaluttlluiluvlailntintlilnluriitl Pfau write you auvwd navabsr m yore dier4 err money order nude payahf to Capital One Bank and mail in the endured envelops m 2002 Capital One Services, Inc Capital One is a federally registered service mark. Ali rights reserved. saw g O O o N t. New To Avoid A Firs terse. pMo ma. To obtain On awn" daily balance for the ? your account it It Pas already been dosed Fw sample, to. seam Paled. You vd l how a milimm pan period of N6 iq eovand by this KaNman, to take tlr it= a resmhwa and vn === 25 days vvhlyd iiwra dwp on new Prdraw, new dbNrw of swA wpnarrt each by, Md wry new ecdn from the msmlrm after your W Wen tra new yadN puthws and new otlw nt nssie n to soh ad Mtnet eery ymwds r aerate Pas been clo d, your account win be rw pmrd. se y nt y Belarice' ?axn do nmh tlmeie mstaa N?odca for s in ma brow appea this a mwR (ir:n BaW in Ma A plied Teo' m aim the o C ode aWW h e added it thVote and w?wlK be re arpe for M ' I V , p pp and in time for It to be chedted by your next atat emm p subtract eery unpaid srrrmce drga ircludsd in tr bairn y R N ae s a manhaaNp fm for you account, to for cum comiaa dole. dale. Then N no pax period an cash advances, d dr d M ddi M i d i h of each msnan.lTins give u the dally bran of each Th dd ri br f h d l h to be Ov:r to !n indent pemdned by 4w, was the r a app tran ara. a on, t n pan Per o t en on aw traractWr If you do not pay the total •Nsw m91 en, vn a up t maw or eac e a ly mginn for tie bfipq paled and 6vida by tla ter aeeoutt b ans ha been paid N 6A r dsdrod above, 7. I)sIr? Yar Aaswa.Yw card a acceuens cannot be hWrce., number of drys in to biq period This give u the nnaa?lo nnwxlon .vim any mere." g b. Aarebs Rearm Clap. TrsraWr witch am not aubteat a a pan period sn d & - dhergs t ) a rMy baiarnbs d aedh norm. 3. Arras) eau IAPRI. transactions. B. Noun Abad bare io Cheek conversion. When you hen tlr data d dal trarraetlan a 21 teem the den tie a. The tsea 'AreaW Patanase Ma• easy appear r provide a dad as payrrwd, you strmdas u allies to traeecdn N pnoasrd to your Aecwa or 3) from the APR- on err Pant of tit alatamra. um I ON pion from yes trek m mks a o dm firm crwN, day of err most bWng paled. AddlUaney, b. N the code P (Pbne), L (3-m. L1BM, C (Csmacate of slodrade lrsd traaM flan Yana bade shsaaa a n t__yywau rid not pay 'New Balance' from the preview !1 Dposle, w 8 (Bonlnrd Pdme) appears on the more of process dal psyvnwa as a trek trarrawmr. Wlrrr ors bmrrrp poled H k- anonn chergm continue to aeenm to tilde asaamals coed n the PsdoAb rental, tie pdodc I nee lnmmnian from your trek w meat an Werrwde year unpaid balance ure d. up id 6almn h paid in ital. TN N d W fi d Ar and omreapa:2 ANNUAL PESCWAGE A ES d d s d a t /tad transfer turdk nay be vdlMrswn hen your bark i S maser ream. sera ot you mayy a wv rrnn ou a to ado New balarnce irnddsted n the had of male very prne temma or mcrm sse Y r maY on dal stated Indices as foul In The Was Sheet aaaaa r soA m t n son day ors receive your mem and net rot receive our ch k b k i Y y p Your amones[ by the and Kmaarals rcloaiq lime, bet rid d M b U lo a d a h , ,bwna; 00 the mabn peNwdy tferowd to you Th O b NNN t a M pay , y nert = ec ec year 9nmdr irtMafon. o se e pr olm nrr . rpa nonoe ram not ir t ale added m to t'" , , of yes Aeceutt em w e A o y % yna m MMSio cowlsd Ise year patiocle wtereaa etndtrq BILLING RKHTS SUMMARY . tc. ewhirw ybhettw For each A. period that gq I lt t L d k" a the mart Jaasry, April, Julyy aed October. If e d D Wd l F (t a (31 LIBOI IM Caw Of Er ms Or Grmadar Abed Your fa1) N t** Pare le N ww mac tow anus o • ento eeps, a m - tarei RNANCE GMAOE of e0.50 win be Wpaaad If tie c. ns co e oe , yeno. a or mo. LIBOR Raphited MAm? +pprre an Ow from of your you your vresg, a you new men inlonnetlm n • traeeectian a bill. vac to u on a teal Moe dune rwKnb Imm er appaeatian of you mmarwa nee to on Psnbde raNW, er ndodic cans separan almm as coon as pomade in the addhms for PadoAe rsmr le Use 60, w wip altnct tht aft! ?newohdns ANNUAL PEHCFMAGE RATES may heoddes Wt- on the from of Wet moisture. We moat amewt hen err $0.60 metes and the df cum vds be kind m the rdrae ss hw? of anon wry maMdy and may irwsease L IF :teams mead an dal { Gated frditee u ltaad lo TM WY Sa l e Ja hear from you n War that 80 =deVoatntr we era you the am 611 did th t Y p ? . t d. Tare = Badaaaan in FYrtm ahaga. We mane the p , m m ea the m f* prMataly disclosed to you Then changes an . h an appesta e == . ou cans cog ou CupArr PAh bun ddeq w win not data to nor crew any or as once drgps for any given Owr rod rdl be efNedve on On sea clay of your bear. po dot each morph , lim?serve you rights. In yaw alma, give r err Mowing keoamserL aw arm d m t ie o s th q p 2. Avarga alley MWn IYhMUOYO New Purneml. 4. Asimemm of Lae, Ovabi and Unmet Psyntad Few. Y r cw n ce, n e et armed of am aapxnd me, a dssolpdn a the error a. Finance do," Is ealWated 6t' nddplyi. err add Your axama NI be asamaad n mas then two of the Ma and an eplarean, n psealNe, of wed yes hire there is brmn of each ssprra of yar aocoum I*.%. mfr = NOW vin tes occur dwig my btliq period. Under err an eor; or it you need men ihfomms , a o n ref ad-, pod-, special I , and pedal amdras) rams of your wromar 1--re, am mane dal dgia to how you a urnn alma. yes do net how to pay tort' the by dal awhopanang daily pedwic raWe) out has been i l A f M dled d t d h d d waive or not to:saes any fear wahaa wW nWfntian n fti f Nvi d k d mhe rm In predo while we an bun you ? a, phsr y q uur em to you t o r o eac a u the bUM period. vas apply the rimy periodic me for each f d b W d rt vr roe vv ng our ye m reset I r son or a n t, at • lacer lime. 6 Y A If b re b drt an not era ='-=:- pale dal pero ti piwaedgata yet guisaim vnt cxrnnt aagrnra o Yore arard m in it nn ea h ?e seprwu Than at to end of dal 6®rq Period we add tp . ar osma. a ma n p e .. on dal fima .1 tea aatwnra yes Paw 30 report you as Mirplem or nee any actin n collect the .mans you pnukn . , the "Am of to" rid calculations to arrive at yet 11 a d h W Wd vh a , days from the date We melmhet sew nWNd to you to id i d tl f h h b . F hranc?a aga mg . e ir eac up s avo pay ng; er e w ee to to ave reac nd n you i.t Special Rau Fix Credit Cad Putlrsm nodis from can asphwa n arrive a the tam padome vin drape for Yoe want. To get dal tiny balance If yes cancer you oceead Duiq die prod, you may txmihurs to uee yon aceous Abbe ho*q n pay the N yes how a pmble n with the grey of property or for each emissions of Vow seams, eve mks dal beginning membership tee. To rrrW you arxxua, you mtr mMCm lies you purchased with a aeclt card and yes baleen for rdn mpnra and rid any raw terrsetlaer rd an arena dr s cslorda*W an the revious rnedM ce by edirq eve Clrramner RNatar DaPaM-0 and 6.1 - in Pale im dr d Paw mled In god loft w celiac to problem wean the y g p day's 6rrne fix dm mistrials. Mfr than abtoot any q m o pow te well of the Waylay paeWl a ordmm, yes my hew the right not to pay dal nmrring paylertt or traclr posted as of ales day am a allocated W lion =swat Tyre give u In upeme deny balance 6. N YOU CWa Yv Aeawt. You can mprw m tow yyeawrr accred by naiq our Ciabrnar Ralmlorm ammo do an the property a mMcr. You Paw the DeonCUon and wlee to . than vast ism, ~ in . car each asstnstd of you sorxus. Ale am, N you paW ih Opanmwtt. Yw mum dreary yes creed nodal and ns $60.00 and 0 ors your hems ma or iad 100 ll l k f 11 Now Belana rearm on your pews stetamrt in fW (or a coun arxeas drab, cannel as pnauhdsed blpq, s Vote w m n ea o Vote e ors own w in s ate. the tie a If N M M Nl YOU t aperan ms nred if Yee new bran cum eeo on a caaa aneral, new Ins, mbar winch post to you purchase or Model ono caws yew aacrwL If you da rot ranee praarordaed ananpanaen ors win txMdar the anwt lot x the advatl property or wrNtee , all purdraea Puuonme eaginhr I a not added n the they belanna. We , necelpt d a drrge Veto suhWadon to reopen yew an evened naanNr off anent a la man of purdmm.) Pbws neuhherhbar n ry n as cwreapandeence oledm dal avesage daily balance by adding as the daily acco wn. Adddrrelly, your .cart vied not be deed . tM days In moms bWq cycle. To ?cakaiae your mud an remoseas intimc?tionsyyyou to" authorized , Mrt?m??raea W , past nee *Avly AD Dou non-craoa card t co t vice dreg., mW -I'y year avaai s daffy balance by the dasy ran ad Iry as mrbw of days in an mpq ee dm a m, ovedledt raw, rmtrrna . permits far. cealh advance bee end my mhr Nw aseswed to yar X. ply o nk- c f Dom not apply to berme man-e dt card acawxe n roudrq n a dasy tiara, there my r a p dance ad the amen o1 accent. You a nporsiora for arse smear vmrtxr a am y ur emout in the tone you repeet m W Ons a4P nnetln pdwry Pntecdn: sea ear dhaga 9rn auasau b. N tie cods Z w N gpaan n td from M cis raumom ' = ? s M ea they an iwno aWepsls to year nvpmrt to doss the acceun. TM. may ..it in vvabsits at -.capital-.-. GPar On le a lsoerasy nrmend earvin reek of Cspitei R dei C ti /UI d lie d a 2003 nest n Baleen Ra Applied To: ors mdtlply tea dunrgm apPasMq n yes anoutt eha you by too be closed n nran open on. yes merve . Capital One OILOLBAK 49994S 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. 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. W WR No. 5214664 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, onag4"' day of 2008 upon the following: Rebecca J Clair 106 N Locust Ln Mechanicsburg,Pa 17050 By: Benj bler, Esquire Pa. I.D. 93 Weltm einberg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 5214664 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, Case No.: 06-5204-CIVIL-TERM vs. REBECCA J CLAIR, Defendant. ORDER OF COURT AND NOW, to-wit, this day of , 2008, upon Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is entered in favor of Plaintiff for $2308.03 with interest at the rate of 25.9% per annum from August 17 2006, plus costs. BY THE COURT J. WWR No. 5214664 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, VS. REBECCA J CLAIR, Defendant. Case No.: 06-5204-CIVIL-TERM BRIEF IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R. Bibler, Esquire Pa. I.D.# 93598 Weltman, Weinberg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 5214664 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, VS. REBECCA J CLAIR, Defendant. Case No.: 06-5204-CIVIL-TERM BRIEF IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R. Bibler, Esquire Pa. I.D.# 93598 Weltman, Weinberg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 5214664 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, vs. REBECCA J CLAIR, Defendant. Case No.: 06-5204-CIVIL-TERM BRIEF IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R. Bibler, Esquire Pa. I.D.# 93598 Weltman, Weinberg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 5214664 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, VS. REBECCA J CLAIR, Defendant. Case No.: 06-5204-CIVIL-TERM BRIEF IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R. Bibler, Esquire Pa. I.D.# 93598 Weltman, Weinberg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 W WR No. 5214664 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK, Plaintiff, vs. REBECCA J CLAIR, Defendant. BRIEF IN SUPPORT OF MOTION FOR SUMMARY JUDGMENT AND NOW COMES Plaintiff, by and through its attorneys, Weltman, Weinberg & Reis Co., L.P.A., and files the following Brief in Support of Motion for Summary Judgment. FACTS OF CASE On or about August 17 2006, Plaintiff filed a Complaint against Defendant for payment of a debt. On or about November 7 2006, Defendant filed an Answer to Plaintiff's Complaint. On or about June 17 2008, Plaintiff served discovery demands including requests for admissions to which Defendant never responded. LEGAL ARGUMENT In Pennsylvania, a motion for summary judgment is proper where as a matter of law, no genuine issue of material fact as to the necessary element of the cause of action or defense can be established by additional discovery or the party who bears the burden of proof at trial has failed to produce evidence of facts essential to the cause of action or defense that would require the issue to be submitted to a jury. Pa.R.C.P. 1035.2; Keystone Aerial Surveys Inc. v. Pennsylvania Property & Casualty Ins. Guaranty Assoc., 777 A.2d 84, 89 (Pa. Super. Ct. 2001). W WR No. 5214664 The purpose of summary judgment is to avoid unnecessary trials and to eliminate the waste of time and resources of both litigants where a trial would be a useless formality. Curran v. Children's Service Center, Inc., 396 Pa. Super. 29, 578 A.2d 8 (1990). Bald unsupported assertions of conclusory accusations cannot create a genuine issue of material fact to preclude the entry of summary judgment. McCain vs. Pennbank, 379 Pa. Super. 313, 549 A.2d 1311 (1988); Golaschevsky vs. Commonwealth, Department of Environmental Resources, 683 A.2d 1299, 1302 (Pa. Cmwlth., 1996). This case warrants summary judgment in plaintiff's favor. Defendant failed to respond to plaintiff's requests for admissions, which have been outstanding since June 17 2008. Under Pennsylvania Rule of Civil Procedure 4014(b), facts are admitted unless, within 30 days after service of the request, the party to whom the request is directed serves an answer or objects. Thus Defendant has admitted that she has made no payment on the credit card since JANUARY 3 2003; that she applied for the credit card; that the statements attached to Plaintiffs Discovery Request correctly identify the payments, charges, and balances on the account; that she has not submitted any written disputes as to billing inaccuracies; and that as of August 25 2008, $2308.03 is a correct and accurate balance on the credit card account. Defendant was requested to provide all documentary evidence or information planned on being used at trial to substantiate a defense to this suit. No documents have been received. Defendant has been given ample opportunity to raise and support any legitimate defense he may have to this debt. Defendant has offered no defense of any kind. Here, the complaint allegations, the lack of a meritorious defense, and the requests for admissions substantiate the amount of debt owed by the Defendant. There are no triable issues of fact in dispute and summary judgment in Plaintiff's favor is warranted as a matter of law. WWR No. 5214664 P b WHEREFORE, Plaintiff prays that this Honorable Court enter a judgment in its favor for the amount set forth in the attached order. Respectfully Submitted: Be j R. Bibler, Esquire Pa. I . 98 Wel , einberg & Reis, Co. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 5214664 C? C---5 r` cz:=) - n _)ugWy 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 Argtxrent Court. --------------------------------------------------------------------------------------- CAPTION OF CASE (entire caption must be stated in full) c4tACA Ou (Plaintiff) vs. r?4v?e _.- aa (Defendant) civil No. e., plaintiff's motion for new trial, defendant's e., 1. State matter to be argued (i. to camplaint• etc. ) : 2. Identify counsel who W111 argue case: (a) for plaintiff: Address: cun,n Pj ? R ? CO-irsq W Qn, Weini?g 1400 KOPPers 9- 46 7th :Ave. pMsburgh, PA 15219 (412) 434.7955 (b) for defendant: ( Aaarers. noeCca- COX all in writing within days that this case has 3. I will notify Parties been listed for argument. 4. Argument Court Date: i mTmr for 55 G.,r "C IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. REBECCA J CLAIR Defendants No. 06-5204-CIVIL-TERM PRAECIPE TO SETTLE, DISCONTINUE AND END WITH PREJUDICE FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Benjamin R. Bibler,Esquire PA ID# 93598 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR#5214664 J IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff VS. Civil Action No. 06-5204-CIVIL-TERM REBECCA J CLAIR Defendants PRAECIPE TO SETTLE DISCONTINUE AND END WITH PREDJUDICE TO THE PROTHONOTARY OF COUNTY: Please kindly Settle Discontinue the above captioned matter upon the records of the Court with prejudice and mark the cost paid. WELTMAN, WEINBERG &,4EIS CO., L.P.A. By: Benjamin Vemberl! ers re PA ID# 9 Weltman, & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR#5214664 Sworn to and subscribed Before me the Day of NOVEMBER , 2008 TARP, LIC " 131