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Capolay)ne Paget of 2 Customer Sennee www.capitalone.com Platinum MasterCard NEW BALANCE 587.72 MINIMUM PAYMENT 525.00 PLEASE PAY Al YEAST TH6 MOM Credit Limit $200.00 Account oral Nj 11 DUE DATE Feb 12, 2015 Dec.16 . Jan. IS, 2015 31 Days In Bilk® Cyde ] MINIMUM PAYMENT WARNING: E)nurmeodylhermirumpetmateachpab0.ya MI pay rue itemslaxl knilotke yau bnparb poy etrxr tcirce. ForexatOe: Payment Amount Each Period It No Approximate Time to Pay MI Estimated Additional Charges An Made Statement Balance Total Cost LinnuoPmenert f MaVs you %old lientematon a7Dfcvedr Carg•Nrg sevces LME PAYMENT WARNING: Bwedon re:exe )ox rum= paret Cy yo.rd.edne. Cash Advance Credit Limit S100.00 )turrgY hanPl Y a kethl3b$1911 Available Credit: S 112.28 Available Credit for Cash Advances: S 100.00 Previous Balance Payments and Credits Fees and Interest Charged $214.74 I - ( $150.00 $22.98 + Transactions L 10.00 Sgt New Balance $87.72 New York residents may contact the New York State Department of Anancial obtain a comparative listing of aedit card rates, fees, and race rods. Contact New York State Department of Finandal SNViCeS: or www.dfs.ny.gov. Services to the (1150.00) Always at your service... Pay your bill online and take advantage of TRANSACTIONS these and other on-the-go services: • Capital One' text messaging • Card replacement PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS 1 13 JAN Cap 1 DebitCardPhonePmt AuthDate 12-Jan TRANSACTIONS FOR PHILLIP I WILLIAMS_ • Travel notification Log into www.capitalone.com to take advantage of these and other on-the-go services. 300026.0 FEES 1 12 JAN PAST DUE FEE $19.00 Total Fees This Period $19.00 INTEREST CHARGE CALCULATION INTEREST CHARGED INTEREST OiARGEPURCHASES Total Interest This Period 53.98 53.96 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate Purchases 22.90% P 120430 Cash Advances 24.90% P 50.00 13.98 $0.00 Transactions continue on page 2 Due Date P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Feb12,2015 Account ending in - New Balance Minimum Payment $8732 J $25.00 PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 1 Amount Enclosed ENJOY 24/7 ACCESS TO YOUR ACCOUNT -op in and "wage your account amine et myrkerromoone ecm • Pay bolls • Crock your belam• • Per mow transactions Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123832 4)2 If Now can I Avoid Pain Interest Chime II you pay your statements Wen Odra,' in fdl by the due doe, we veil not charge yew on any new Kansas:ions the eon to the Pethase balance. If you lyre been ping your 344031I III fat wth ro non charges, butenyou do not pay par ran lkwIldarce n tit we sell these merest on the peon ot the blame that you dd not pay. kr cash adunas and sped orders, we vall stst Arang merest on the Pena:ten date. Now is the WeroW,Qpnye append? Ottani duns aeons from the I) dais el the tramanion. II date the tmsathon a ecceued or II int cakrdar day al the tiling period. Winn chnes roue on every raid anon rol n a pad n full Ths means you nay owe intent &nes eyen ilia pay the entire 'Nes Patne one month, but dd nal do so lot the meets meth. Urpad interest charges are added to de mopes segment of your Account. Monier, we/nett the rght to rot assess meant chargesat arry Do you assess a Minimum Interest Chan) Yes. A tannin NITEROI CHARGE of $450 nil be assessed foe each Ming eyed year eccum a subject to an interest Char. Now do YOu SOIMIMiStSMMMShitra We the a onset aced Average DSO (melee (^doling new transathoral. Under sass meted. we to, cathAme par cagy bdrce; M cads segment I) isle the begiming balance and add in new trareasom and the peodc merest done on de piths; days balance. then 2) snow any payments and unfits Ice that segment as of the day. There'd, is the daft Wan Ice cads segrrem. HOATIt0 if you pad your preens months talent in full (or I put tulame van zero or aped, meant new InfttXtlan lebith post to put parthase cc speaal ptrthase signets se not added to the dah balances. Also. Prussians the ale subpa a grace pitied are not added to de duly balances. Nen, to fed Tour Average Daly (eance: 1) add the daily balances together fot each segment, and 1) diode the sun by the toothed deism the biting Eyck. Al the erdol each bling cyde. wedetente your Merest Charge as loIDAS: II aunty pour Average Daly Odense by de daily peendk sate %PRdiode:I by 36$) lot the segment. and II rrulody the teak by the norther of days n the blIng period. NOTE_ Oa to founding of a maim, interest Aug. tha catuloon may vary torn the burnt charge actualy assessed. Now cae my Yeriabk Ansel Percentage Rate Inge changet YoutAfil may incorase a decease based on one of de MMtirg reponed nelkes reported in The MO Sweet Samna. blind whets indet is used tot pit aura loot for a lean code on the front al tha simmem ran to dos AWOL Then And: the table bdoin [edema tofu MO New do we Soddy yaw APPIDM Index + magpie Isereviesnly dbdootd IC wth) When your ANDO wil MOM P L home Rath + mean 3 mord, MCA o nage The first day al the klieg pads that end a Ian. 401, In, and Oct 0 f Prime Rath + megn 1 month UOOR , mart Thelon Swot each etomn kilns ;nod. Are then AddationaLins associated with my exeunt) Yes, under dean cicumstances, you nay be assessed a tare or keened Paper, lee. YOJ rate aka be assessed Cradint fees 6 pealed by ben We resent the right to not 343013 lets WOW prior Oct wthotn nong or rghi to assess a irolar fee len blew can I Avoid Membership fees ? II a Porte:alNotice apimed on the hint of this statement you nal avoid paying an annual remise:Ilia the by conmaing Custom; Senn no mate than 45 days after de last day in the Whig ryde catered by the nemere to repst Wt we thee yes accort. To avoid paying a mon?: nerrterthip bee, coon Clemente Service spree to request that we dose your moult and we sit slop assessing your moot* nentenhp ley. Now can I rice Ltv miaow 7 YOU can contact Customer Senice armime to request that we dose pot acme% IL the time, ikt I exaan any addb l steps to account 'bum indadirg Sara ow down dothu6on and amdres. What happens if my &mak insmsskell We may dose or suspend your account and put tight to obtain credit at any tree and lot any reason, even it you are not in defath. Account suspension can be pennartm a tempeaw your accoum is dosed or suspended you mast stop thing put unit card and account 2) creel al anemic payments. 3) destroy all credit dais and access duds, and Ii pay al amounts you one us. nen I they were charged eta theaccount was dosed a suspended. Now do I fate Payments AI arty tine. you may pat the maims owner; de total ,road balance, or any amoum N beaten. Payments nay he made in several nap: 1)0nIne by going to aws.theiabne.com ardloggrq into par accort 2) Telephone 11004e Response System by dein? 1 800955.7070 ard lotos(rgthevone prompts. When you nate a ph:etpayment though Mee:ice response spivs, you authority us to inoaee r ACM or demotic payment that wit be debited Item your bark scam funds nay be wthdthen horn you, bank account as soon as the sane day we process par payment: 3Pfeting our telephone enrollee 1.500.955-7070ard pthodng your nlomuaonto our necessity% 1)Prymercs by mat thou)! be sent to them:ling address wooded on thetenonpoen ol tha statement. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink VAwn will you Credit Milani foe canine oe per the phone as of the buttressday we recent it, as long as they are made by 8 pm.ET. foe mailed payments, as al the hotness day we Rai. t it as long as: I) you send the boilon portion al this statement and deck to the payment adtess on the from al tha siennem and 13yos payment a 'coined in our massing centers by 5 pm. lord first Heath allow alma I?) businessdap for nal &Orrery. Wedamen:5 netted by us at arty Oder Ixation or in arty Oder born may not be credted as of de clay we receive due. DO yOu PrOten Peer Clatdd as an fiffleliklemiLlymmike Owen:nu veil be ptocesud n we of two ways: When you monde a check or deck irionnsion to mate a payment. you authorize to Ce ow agents to use the intension to make a one time A01 IMMO:100 or Eder <korona turd transfer from put deposemecum. Wk may also use the intension to motels the parrem as a check :mutton. What N I Mi Tor Danbcdoe II you ye ended to barkntry crotethoo this corm/odor is for Menem only. h a not an sleep to colect assess or nom a debt or dam. Do rot send us payments wither speatng wnh your tuntruptcy aliens or the Partway Coat f you or pis aliens wouth Ike to twin Da ballruptry thins tenon directly. please meta Caput One 10 Roe 30285 Sall Wu City, UT 84130.0385 MIND OPTS SUMMARY (Goes Not Apply to Small Rumen Accounts) What To Do If You Think You Sind A Mistake Oa Your Statoweat II you dint dere is an arc as your SISCITtfltAllt m a al: Card Ore P.O. Dec 30185 Sat LaleCins UT 84B00285 In Toilette, gise us the folevang Information: Account alternation: 505 sane and scant amber. Ddluattated: The dotar mart al the suspected 0101. Clescriztion of Purim: lips thnt these is an ere on you bit dnathe what you Mere is smog rd why you Wine t is a =tate. You must wawa us within 60 dr/salter decry appeared an you; siserrem. You must notify to of any peered entrain writing, You nay call us or natty us dessoncaly. be I you don art not maned to investigate any poiental tITCC1ardsu may hate to pay the arroum n question. We sell naafi you 013.1131:0 Phil 30 days d or PIMP Oi ion Icon. Whk we metopewhether cc not thee has been an end, the loloning are nee: We cannot try to Erika the amount n question, ot remit you as dein:pert cn that amount The charge in piton may Ninon on nos statement and we nay continue to these sou most on that arncum. Out if ne designee that we made a nova:, you ail not have to pay the anoure in question oe arty merest ot lees related to that amcant. Wide you do rot have to pay de =cant in thence will we send you a name about the anion of ow imeinsion, you art responsible lot de remanded )0111 balance. We Es apply any unpaid =cum agansi your coedit Irak. Wain 90 days ol our nem of your kner, we wit serd you a wen nem aptarog ethe 1,131 are calmed the error ho appear on you, nett statement) oe the IC3WIS are Mine the bill is caret Your ItMMS N You ode DissaIsSed With Yom Credit Ceed Purchases. II you se dssaiMed Athely goods notes dal you hay pschased wth you credit cad. and you lute reed in good kith to worn theproblem will the reicher, you nal have the me rot to pay the rtmanng 317COrt 4130 on the cordon To Use this rigIt. the (003409 must be true: 1) You must have used nos aedt card fa the ponhase. Purchases node Ph cash adrarces from an ATM a oath a check that acmes yon cede card account do not quaff; and 1) You met not pt hare fully pad lot the purchase. 0 all d the antra these are net and pro alt. stif dinmeded with the purchash tonal us 11 044D33I: Cacitti Ore P.O. Dec 30285 Sat Late ON. UT 81130.0185 Whle we ingestion the sane mks apply to the deputed amount as chained atom Ate; we Inn DX investigatoe we wit sell you cm deason. Ai that pont we think you me an amount and you do not pay we may repet you as ddnquent. Capital One supports in./amnion piney protection. see our websirea, aveaccrimloneuns 0 2014 Capeal One. Capital One is a 'death regimen sews net MI rights merged. ETC.08 II/34'14 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. • Don't staple or paper dip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123833 CapitalOne Pa 2 of 2 Customer Service www.capitalone.com Platinum MasterCard NEW BALANCE Il $87.72 Previous Balance $214.74 MINIMUM PAYMENT $25.00 Payments and Credits Account ending hal DUEDATE Feb12,2015 $150.00 Dec. 16 - Mn. 15, 2015 31 Days in Billing Cyde ] Fees and Interest Cha ed Credit Limit $200.00 Available Credit $112.28 Cash Advance Credit Limit: $100.00 Available Credit for Cash Advances: $100.00 Transactions $0.00 New Balance $87.72 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year $19.00 Total Interest This Year $3.98 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days km your minimum payment to mach Capital One. EFTA00123834 CapitalOne Paget of 3 aislomer Service WWW.CapdaiOne.tOm Platinum MasterCard NBV8ALANCE $93.18 MINIMUM PAYMENT $25.00 vt;••• PtFASE PAY AT tag TiMmaNnit Account ending in • DUEDATE Mar 12, 2015 Credit Limit $200.00 Cash Advance Credit Limit $100.00 Available Credit: SI 06.82 Available Credit for Cash Advances: S100.00 Previous Balance $87.12 j — Jan. 16 - Feb. 15, 2015 31 Days in Biting Cyde 1 MINIMUM PAYMENT WARNING: Nyco rode celytherrwirrurnpomyteachpeiod.Th MI pay rue itemslard t tike you ionrierb pay citpxr tcirce. ForexaVe: Payment Amount Each Period It No Approximate Time to Pay ON Estimated Additional Charges Am Made Statement Balance Total Cost lArrimPamet 5 Mom* Ste Ilyou maid Ike thrrarm abo.r. CfeCtl ccuiscrig scotes, cal IIMB LATE PAYMENT WARNING: rwedo not resat yourrintrun ammonite yarduecMa. Au trey have to pay a La Sae chp m SI91Xt Payments and Credits Fees and Interest Charged S50.00 $2.63 + Transactions 552.83 New York residents may contact the New York State Department of financial Services to obtain a comparative listing of aedit card rates, fees, and race Sods. Contact the New YorkState Department of Financial Services: or www.dfs.ny.gov. Renewal Notice Your 03/2015 til vii indude your $29.00 amual membership fee. The reverse of this page explains how you may dose your account and avoid this fee. Both sides of this page provide important information about your rates) and how your interest charge is calculated. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILUAMS 1 12 FEB Cap 1 ElectromcPhonePrmAuthDate I 2.tE8 (150.00) TRANSACTIONS FOR PIIIWP I WILLIAMS 1 14 JAN 7-ELEVEN 274548FLOOKLYNNY $2.82 2 14 JAN SUNOCO 0007155517BROOKLYNNY $30.00 3 15 JAN QUEENS BL FILL If WQ39LONG ISLAND CNY S20.01 Total for Phillip I Williams $5283 ► TilaiTransactonslhisPelod ass L Transactions continue on page 2 Due Date New Balance + MORE Credit cards are only part of the equation. 393.18 Learn about all the ways we can serve your needs at capitalone.com. 3000IO-C 1 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate Purchases 22.90% P 5135.02 S2.63 Cash Advances 24.90% P S0.00 S0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in New Balance Minimum Payment Amount Enclosed Mar12,2015 K $93.18 )C $25.00 Y PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Irrrrllllllrlllrllrllrlllllllelrslllllllllllrlrlll rllllrII 111111 ENJOY 24/7 ACCESS TO YOUR ACCOUNT -og in and renege your account online at weocaptolone cam • Poi bees • Crock your belant• • F trantaCtsn Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 Odd' I EFTA00123835 WI IS Now cm I Avoid Puha Interest Chime II you pay your statements Wen Ildaue in fdl by the due date, we tell not charge rend on any new tralsaMons that pod to the Pschase balance. If you lyre been ping you, 344031I VI fat wth roomiest charges, butenyou do not pay an ran lkw Sine n Tit we sell Marge awed on the peon of the blame that you dd not pay. kr cash arinnas and 'cocci earths's, we vall stxt dwgrq merest on the Panto:Inn date. Now is the WeroW,Qpne append? lamest charges aeon from the I) date el the trarantion. II date the urnavon a occessed or l) int cakrdar day al the tiling period. hong doges moue on every tread anon trot n a pad n kit Ths means you nay owe almost dwges teen ilycu pay the entire sees Patne one north, but dd nal do so lot the famous month. Urpad interest charges are added to de wows segment of your Account. Nome:, we come the rght to rot assess meant charges at any Do yoe assess a Minimum Interest throe) Yes. A rrinroun INTEREST ClIOAGE of $450 nil be assessed foe each tiling rend year acccum a subject to an MOIR 4,137. NOW do you SONSININISIffilliNne NO the a netted pled Overeat DSO (melte fedolire new twaszoral. Urdu ths meted. we to, cab,late pr.r cagy bdrce; be cads segment Duke the begimirg bdance and add in new trareactom ed the pada merest those on de mama days bdance. then 2) subtract any payments and credits Ice that segment as of Ns day. Theretch is the daft Wan be cads segrrem. NOATIt0 if you pad your werous months talent in full (orty:0i tulawe was rem or aced, most new InfttXtlan lebith past to wow yr.rchase or peal pothase segnaus se ace added to the doily balances. Also. vamosions that ale subfra a grace period are not added to de dairy balances. Nen, to fed Tour Average Daly ()deice: 1) add the daily balances together fat each serest, and 1) diode the sue by the mother of deism the bang Eyck. Al dlt erdol each bling cyde. we determre your In Charge as bobcats: II nubbly pour Average Daly Odense by de daily pendk sate t&PRdiodai by DM) lot that segment. and 1I trulody the man by the number of days a the bring period. NOTE_ Due to tourdirg or a ninroun amerce those. tha catuloon may vary torn the burnt charge actualy assessed. Now Ca my Yeriabk Ansel encentacre Rate API) changet Yew AM may incited Ce decant based on we of de bawing reponed adios Imported in The MO Snot! Samna. To lird whets indet is used tot pis aura loot for a lean cock onthefront al this staumem ma to an AW0L Then abed the table bdoin Code nen to yow APO New do we debate yew MANN Index + metals' larevkatily dbdOWO IC you) When your *981st wil duns< P L flame Ram + maqn 3 morel MCA o oaten The first day al the klieg woods that end a Ian. Noel July, and Oct 0 f Prime Ram + margn I moth UOOR , lona Melva day al rod vomit)! Lang ;nod. Are then AdifttioaaLleet associated with my account/ Yes, under detail cicumstances, you nay be assessed a Late or Returned hymn lee. YOJ rate aka be assessed [ratline fees 6 pandled by bet We anent the right to not asses lets WOW with Oct wthotn tearing on rghi I0 341014 a irolar fee lom. New can I Avoid Membership fees ? If a Porte:alNotice is yarned on the hint of this statement, you nal avoid paying an annual anise:hie fee by contacting Custom; Senn no name than 15 days after de ha day in the Whig ryde catered by the ammert to request dui we doe yes accost To avoid paying a north?: rterrterthip bee, comes Gomm( Service spree to request that we dose your mots* and we sit slop assessing your month): nentenhp lee. Nor on I rinse It. &mum 7 YOU can comas Customer knice ermine to request that wedose )cat acconnt. eve time, AO I rxdan road:Yaquistepsto account datum indadirg balance ow dons domo6on and tithe. What happens if my damaillaspesskell We may dose ot suspend your account and put dght to obtain credit at any tree and lot any reason, even al you are not in defalt. Account suspension can be pennartm a temporaw your accoum is don or suspended you oast I) stop wing put cede card and account 2) creel al nornatic payments. 3) destroy all credit cods and access thecb, and N pay al anions you one us. nen Idle, were charged eta the scant was dosed a suspended. Now do I kealte Payments7 AI any tine. you may pat the maims owner; de total taped halence, or any amoum n berme Payments nay he made in several reap: 1)Calne by going to aws.myriabne.com ardloggrq into yosaactuth 2) ides:bore 11004e Response System by dein? 1 800955.7070 ard kios(rgehevoa prompts. When you rode a phone portonUri:Ugh al voice response spiv; you authority us to inoate r ACM CO tICOICIlk payment that sell be debited Item your bark scum funds !my be wthdtaan how you, bark account as soon as the sane day we process yon payment: 3)Catirg our telephone ranter 1.9.10.955-7070ard pmadng your nlomution ea our transmute% • Ozyrrerts by coal should be sent to them:ling address wooded on thetenonpanic° al tha statement. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink Yawn will you Credit Milani foe onine oe per the Wont as ti the buttress day we recent it as long as they are made by 8 pm.ET. foe mailed payments, as al the hotness day we Rai.eat as long as: I) you send theboson portion al this statement rd deck to the payment adthess on the from al tha statement rd 13yos payment a remised in out wocessag centers by 5 pm. local first Troy Sloe at lent I7) Miress days for nal &Orrery. Wedamen:5 netted by us at arty Oder boat= or a arty Oder born may not been:dm:las of de clay we receivedunk DO yOu Proven Peer Canis as an iJanlateriblimili? hymn wit be peocested h we of two ways: When you woade a dud or deck irionnsion to mate a payment. you authorize us Ce ow agents to use the iricension to make a one time A01 .mason or ether <korona turd transfer Icon no deposeaccount Wk may also use the intension to poems the parrem as a check urnecton. What a I Mi foe Danbandoe II you ye crated to barkmatcy octeaiork this corrmsoution is for daemon only. h a not al =ems to coiled. assess or nom a debt or dam. Do rot send us payments whoa speatng wnh your tuntruptcy anon., oe the Outdo) Coat irtl or pis anon., woud Ike to comas Da baltruptry dons tenon directly. please C03410: Capul One 10 Roe 30285 Sall Wu CM, UT 84130.0285 MIND AIGNTS SUMMARY (Goes Not Apply to Seam thwness Accounes) What To Do If You Think You Sind A Mistake Oa Your Statoweat II you that dere is an ante at you: SIStITOMOITIO m w al: 'LISS Ore P.O. Dec 30185 SalthaleCin, UT 84B00285 In yens tenet gise us the fylevang alternation: Account tdormaion: 505 sane and acting amber. Ddluattautd: The dotar mart al the suspected COOL Oescriztion of hotlem: It you mhnt there is an ern on lot bit *lobe what you Mere is snag ad why you belie e a is a maid& You must mama us within 60 dorsalto deems appeared al you; staterrem. You must notify to of any petered errors in aritirg, You way call us or natty us deasoncaly. bet f you don art not mond to investigate any potential tITCC1ardsu may haw to pay the arroum n question. We sell notify you 013ItINNO Main 30 days dot PIMP of ion Icon. Whk we metopewhether or not thew has been an mm, the teleran? are nue: We cannot try to cotta the amount a question, ot repot you as deirmerecn that amount. The charge a theston may union on ps statement and we nay conirrue to (hugeyou must on that arncum. Out if ere designee that sty more a rood:, you ail not ham to pay the anourt inquest= oe arry merest ot ohm fees related to that amosu. Wide you do rat have to pay de mewl in qt.estee will we send you a mace about the anon of ow imeingsion, you art responsible kr de remanded yaw balance. We cal ma* myunpaida:mum agansi your coedit Irak When 90 days ol our new of your knee, we w11 serd you a Adam nem aptrog oho than Ike calmed the error ho appear on your not statement) oe the noon O. Leine the bill is cared. Your MOTS N You An DissaIsSed With Yew Credit Gaol Purchases. II you se dssaiMed Athely goods ot notes this Sou hate pschased with loo credit cad. *Id you hate mid in good kith to coned the problem wth the merchant you nal bait the me rot to pay the rtmanng amount 4130 on the cordon To Use 00 rigle. IN (003409 must be me: 1) You must Rae used aosaedt card fa the yorthase. Purchases node aith cash adrames from an ATM a oath a check that accesses vow cede card account do not quaff; ad 2) You mad not at hare fully pad lot the purchase 0 did the criteria abase are net and loo alt.sut diomeded with the purchase, tented us 11004D33I: Cacitti Ore P.O. Dec 30285 Sat Late CO. NIT 81130-0185 Wile we Mistime the sane mks apply to de dawned amcum as doomed atom Ate; we faith at investigator,. we tell sell you on diatom Ai that pont i we think you axe an amount and you do not pay we may repot you as ddnquent. Capital One supports irionnsion Many prtnection see our webtirea, avers.capitalone.cono 0 2014 Captal One. Capital One is a Ideal,/ registered sever nail MI mks mend. (TC.08 11/34'14 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. • Don't staple or paper dip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123836 Capita One . Pa e 2 of 3 Customer Smite www.capitalone.com Platinum MasterCard NE? BALANCE $9318 MINIMUM PAYMENT Ea® Account ending In DUEDATE Mar 12, 2015 Previous Balance $87.72 ) Jan. 16 - Feb. 15, 2015 31 Days in Billing Cyde Credit Limit S200.00 Available Credit S106.82 Cash Advance Credit Umit S100.00 Available Credit for Cash Advances: S100.00 Payments and Credits Fees and Interest Cha ed 550.00 Transactions Th $52.83 New Balance $93.18 TRANSACTIONS CONTINUED FEES Total fees TM Period INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period TOTALS YEAR TO DATE Total fees This Year Total Interest This Year $0.00 S2.63 S2.63 S19.00 S6.61 EFTA00123837 ENROLL IN ONLINE BANKING TO STAY ON TOP OF YOUR FINANCES Did you know Capital One Online Banking offers a range of financial tools right at your fingertips? From monitoring your credit score, to enhanced security measures, and more—you'll enjoy convenient benefits all year round (including when you need them most, like tax time). VIEW STATEMENT HISTORY Keep tabs on all your transactions with access to up to four years of statements, which comes in handy during tax season. CAPITAL ONE CREDIT TRACKER* Get 100% free unlimited access to your monthly credit score, a what-if simulator to see how your actions could affect your credit score, and other tools that will help you understand your credit score. ENHANCED TRANSACTIONS Keep an eye on your account by seeing the merchant name, logo, address, phone number, and even a map (if available) so you'll know exactly where you made that purchase. INTERACTIVE FRAUD ALERTS Know about fraud attempts and avoid declines with real-time text and email alerts that you can respond to instantly. Enroll in online banking and you'll get a text, email, and if you don't respond, a phone call. To receive these and other great benefits, please make sure your preferred email address and other contact information is up to date. Enroll now at capitalone.com/enrollnow *Currently not available to Spark customers or retail partner cards. EFTA00123838 EFTA00123839 (:;31741.31012t, Page 1 of 2 Customer Service www.capdaione.COm Platinum MasterCard YEW BALANCE 5155.76 Credit Limit 5200.00 Available Credit: 544.24 Previous Balance $93.18 MINIMUM PAYMENT 525.00 PLEASE PAY AT LEAST TH6 MOM Account ending in DUE DATE Apr 12, 2015 Cash Advance Credit Umit $100.00 Available Credit for Cash Advances: $44.24 Payments and Credits 558.00 j Feb. 16 - Mar. 15, 2015 28 Days in Billing Cyde 1 MINIMUM PAYMENT WANING: Il)nomde ody to mrirrornpromyleachpeiod. mu MI pay rue in itemslard nil oda yau bnperb pay oT )os tdaice. Foram, e: Payment Amount Each Period It No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost lArirrun Parra 8McetTs:. $160 gyarlOOLO lie inbiratcn aboicrAt cars•Nrg sevces. Lai IMEMI LATE PAYMENT WARNING: Cram nct rmene )cm- num un papa/ Ey woad*. Ku may tow z pay a tie ke ohaa to $I9C0 Fees and Interest Charged 550.52 + Transactions $70.06 1 New Balance 5155.76 1 New York residents may contact the New York State Department of Anancial Services to obtain a comparative listing of aedit card rates, fees, and race New York State Department of Finandal Services: rods. Contact the or www.dfs.ny.gov. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS 1 13 MAR Cap 1 ElecPhonePrnt VRUAuthDate 12-MAR (1.50.00/ 2 14 MAR MEMBERSHIP FEE CREDIT (58.00) TRANSACTIONS FOR PHILLIP I WILLIAMS 1 13 FEB SUNOCO 0007155511BROOKLYNNY $25.00 1 24 FEB SUNOCO 0007155517BROOKLYNNY $25.05 3 25 FEB SUNOCO 0001155517BROOKLYNNY 520.01 Total for Philip I Williams- $70.06 ► ToialTrawarabnallisPelod $70.06 FEES Transactions continue on page 2 Due Date Don't understand credit? That's because you've never had a teacher like this: capitalone.comflinanclaleducation Check it out on your schedule, 24/7. 3000I4-C INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases Cash Advances 21.90% P 14.90% P 5143.35 $0.00 $2.52 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVVVW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Apr12,2015 1 Account ending in New Balance Minimum Payment Amount Enclosed $155.76 )6 $25.00 )( PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 11111 d111111n11i11111111111111'111' 11111"1111111,1111' 111111 ENJOY 24/7 ACCESS TO YOUR ACCOUNT -og in and manage your account amine at wacaptalone cam • Pay begs • Crack your If elaot• • F yrmit turntable'', Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte, NC 28272-1083 EFTA00123840 ml IS Newid0111flastittenaammt IV:0 OM Your 'weren't hes Balance in NI bY ft dmdale. we mil rat charge you merest on arti row Parse:tom Mx post to the purchase serum . Ira hate been mum your accost in kitnthno Interest Charges. btt then you do not per par ma Hew [glance in kit newt charge inerest al the moon al Pe balance Mal you dd rat pay. For Cash !dunces and Special Transfers, we ail start durgng Invest al the Prise:eon date (titan prone:end dies may aloe you to pas less Mai the told NCYI (Maur end avad prointerest Charges on new eschews. Rase icier tote lent d par exernem kr addooral nfomMon yew k the Interest Charm meired? !merest Charges accrue from Medan of the MITMIIINNI or the Iry day al the burg Cycle. Kent Chalets max on Nay tread aneurt Jail t is pad n ball This mum pa may owe newest Chalets men it you pay the entre hew (Vance kr ore Wing Cwk. but did not do so the pencras Piing Cyde Urpad If St/ClIChItge. Wead:led to the coremondng 'tonere dycur scant. Do you arms a Minimum Intense Charnel We may assess a mermen bans Change d 1010 be each Piing Cycle [your mount a subject to an !feet's, Charge. Haw do you C$Sa(o Po InteNSI Charge We me a net cal abed Ayerme Daily Odour Inchdirg new IMISYSCI* I. int lee bath segrrem we uke the begreirg balance bath day ard at in new mansamom ard theaerobe 'Ito:est Change on the preliOUS dais balance Den wesebum' any parents ard omits for Mx tercet al CI that day. Tie result is the daly batarce ix each segment. However. [your prescus stnerrert balance vas zero ct a Mill an," ntYI narortens and post to your purchase segnert are COI %US 03 the daly bdarce. 2. Neu. kr each segmentwe add the dary [glances together and chide the sum by tie manta ol days in Pe &ling Cyde. The Haub 6 theMenge Daily Wince for bads segment 3, At the end dead) Riling Cycle, ism rruludy your Average Daly Babree kr cath segment try the dais pericdc axe (AM &Med by 3651 kr that segment and then we mutely the result by the rumba days it the Biting Cycle. We add the new Charges kr all wrens together. De result is pot laid Imexst Charge los the Biting Cyde. M)TE: Cuero rourdirg or amnia= tritest Charge. Ms 'daimonmar vs, stoat bum the Merest Charge actually assessed. yew tan my Vadalik AM thane Your AM may name ea decease based on one ed dse klbwng reported ndoces (reported in the WOMAN. Named. To Ind nisi:hint( a used Ica mar axon. lock kr a Meer cook on the bond this Hamm nee to pus APPAL Then chedc the &Michela.: Codenal to yom AIM New do we Sedate your APth33 Index a margin Iparrommly dbdOted to you) When your APMs) wa change P L Prime Rote 4 margin 3 mord+ LIBOR-. ear The rust day al Pe Piing Cwt.' that end in Ian. Mot July, ard On. 0 F Prime Rare 4 margin I monh DIOR* etami The run day al huh Biting Cyde. NOW can I Avoid Membership Fees? II aRepentNotice is primed on the lent of this statement pa nay avoid ammo en anal memteshp fee by contanng CUSICaltf Sonia no WV Oil AS days dm the tut day a the Wing Cycle catered by this statement to request the see dose pal mecum. To moil payng a =Mr menbenhip lee, close you account ard we will um assessing your mortNy membenhp lee. liesuumilkiseituAcomolL You can contact <WOO., Strike aniline to westthat use dose mar =curt Iftw do I Make Pamentil You may male your parem n several vow I. Onlneard loggirgimo your man 2. Caput One Mobile Ranting mplor mproini &enteric devixs; 3. Telephore Voce Peso:nuSystem by daing the *Icebox reenter toted on theWu ed Pis staterrem and felbrang the voce prompts Caling the teleplene meter lands the from el tin stamen and provdirg your irk.rmanon to our representatree: Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. 5. Sending mail payrrems so the address on the tont al his seamed silk the payment coupon or yow accost inknnaton. How do you Process hymeneal When you make a payment you authcrae us to incest an ACM or elecnonc payment that %ill be debts from par bankaccount or other related aoeourt Mum you preside a &Scathed idcenarpn tO Mlle a Pa'rell. you auttneire us lo use /daemon ton the check to mama onetime ACM aahet deascnc :undo from now bank =curt We nay abe process k as a check varnaction, funds nay be wtheiraorn from your bark .ICCOUft as soon as the same dm Mt MOMS your pvinert. You Credit My Panned for =kik. Viet 01 an the plume, mot the busness day we mew it as long as they are made by B pa ET. for mailed parents, as al the business day we recent.% as king as you serd the boom por6onol this mere* rd your check ea de wren address on the front d Iha statement. Please atm at least (7) busiress dap ice may delsery. Maled par enn /meted by us al arty ahem location or corn n any other form nay not be aedted as el the day we re:errethen. Now do you Apciv My Payment/ Wegerm:0r mpar parents ram your ikons, buret int to the balance with the lowest APR firCIAirg Ole AHD. and then to balances with hula APRs. De apply any pan d mar payment ecxedirg yogi/Amman harem to the tulrcevrrh the highest API( and thence bdaras withMeer APRs. Idling Rights Summary Oboes not AgatoSmall Business AccouMs) What To Do II You Think You find A Mistake Oa YOur Mgestat II you dint Pere is an snot on your %Lucent voile to to a Capital One P.O. Bat 30285 Sat Late Ces..01 841300165 In yeas Inn, gise us the folowng 31101frali"1: Accourt nlormation: Yes rarre and actor, runt., COI/ anoram: The dela• most el the sinmeted 0107. 0440j:60hof Plotkin: ti you dint duo n an erix on now bit *sok what you bdere is menu and why you beim it is a mates, You 'WS: COMIC m wthin 60 days are the error appeared on your statement. You nun 11011). elf 01 ant potential errors n vanirg. You nay call us or neat, us elearoncdis, bat it you do see are not reaMed to inteseguie my petered eves and you may hare to pm the arrourt in wanton. We will nobly ma in wring wihin 30 days dour wept al mar beet Whir we in...slimy nintier or not there has been en trt0/, the tolonirg are Rue: WO Ulna( tIflOcolect the anourt n clamor. a report you as &Invert on Put most the drag n wanton may wean on your statement and we may torero< to 0,319t painted cn that =WM. Eht. ewe determine INt we ma a nage you wit net hme to pay the amaum a question or any merest a otter lees related to that arrears. Wilk you do rot have to pay Pe mart in meston anal we send you a mace atom the mume d our bemoan:tort 'wareemu:amble kr Pe overdue( your Cadence. We can bmk any armed arroum aginst your credit km nothn 90 dogs dam wept ol your lene newts tend ma a nom notice embnirg ether that we careered the MCI (:14;9401 on Pt, nett SUIMMII0 a the Hug", we kitty tie bilis coned Your Rights NYeu Are Dissatisfied WithTour Purchase: II pun climate/red with Me goods or senses Maim hag exhalednthWar Maid am. and pa hag wed in good lath to coned the modem with the merchant you may hue the rgM not to par the renaming amount dues Pe narthex. To use Me rght the foloeirg mere be INC II you ran Km used nos adt card fa the purchase. Purchases nada with cash adorers tom an ATM a wth a check that accessesyour creek card am:rando not quails; end 2) You ma not yet hateful), pad for the purchaw II di of the atttril those are net and you are sal dinatided with the purchase, cornea us 41 wvergac Caps One P.O.Ber 30285 Sat Late City. UT 841300785 Wilk se intesiguit the sane min apply to Pe damned amour as chained atom Ater we Inds our ineestigatat se Ail sell pa me dmison. At that pont [we thirk you we an amour and you do not pay we my reps you as delnquenl. CA 2015 Capital One. Capital One is a kderally mooted score mark. ETC.OB 01011,5 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123841 Capital ((1 Pa e 2 of 2 Customer Service www.capitalone.com Platinum MasterCard NEW BALANCE $155.76 MINIMUM PAYMENT $2100 Account ending Ina DUEDATE Apr 12,2015 Previous Balance $93.18 Feb.16 - Mar. IS, 2015 28 Days in Billing Cyde ] Credit Limit S200.00 Available Credit $44.24 Cash Advance Credit Umit S100.00 Available Credit for Cash Advances: $44.24 Payments and Credits Fees and Interest Cha ed Transactions New Balance 558.00 S70.06 - 1 -/ $155.76 TRANSACTIONS CONTINUED FEES (CONTINUED) 1 12 MAR PAST DUE FEE $19.00 2 14 MAR CAPITAL ONE MEMBER FEE $29.00 Total Fees TM Period $48.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES 52.52 Total Interest This Period 52.52 TOTALS YEAR TO DATE Total Fees This Year S59.00 Total Interest This Year S9.13 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123842 Capitalaw Pagel of 2 Customer Service www.capdalone.com Platinum MasterCard NEW BALANCE 590.85 MINIMUM PAYMENT $25.00 PtFASE PAY AT MilSr Tad AmOuNT Account ending in MI DUE DATE May 12, 2015 Credit limit $200.00 Available Credit: SI 09.15 Previous Balance $155.76 Cash Advance Credit Umit $100.00 Available Credit for Cash Advances: 5100.00 Payments and Credits L S70.00 Mar. 16 - Apr.15,2015 31 Days in Billing Cyde1 MINIMUM PAYMENT WAMANG: E)nunuleorytermrrunpelmateactipeiod. you MI pay rue in itemslaxl nil oda you Smut pay oT )os tcirce. Foraturoe: Payment Amount Each Period It No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost lkinmPmenert Ilyou mid lienlymmon abused' cansamasenices.cai LATE PAYMENT WARNING: eneaonareceueyormnrunpareaboarduedge. )tu rray tem pay a tiered tom $I9C0 Wert* St6 Fees and Interest Charged S2.77 + Transactions 6232 New Balance S90.85 New York residents may contact the New York State Department of financial Services to obtain a comparative listing of oedit card rates, tees, and race rinds. Contact New YorkState Department of Finandal Services: or www.dfs.ny.gov. the TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 09 APR Cap I ElecPhonePmt VRUAuthDate 09•APR (S70.00) TRANSACTIONS FOR PHIWP I WIWAMS 1 30 MAR FEOEXOFFICE 00003467NEVV YORKNY S0.15 2 01 APR CVS/PliARMACY 0100868ROOKLYNW S2.17 Total for PhMlp I Williams- 62.32 Po Tool Transactions -This Period 52.32 FEES INTEREST CHARGED L Transactions continue on page 2 Due Date Total Fees This Period S0.00 It's easy to set up your FREE account alerts: First, "Log In" to Online Banking. Next, sign up by: 1. Clicking "Messaging and Alerts" 2. Clicking "Set Alerts" 3. Choosing the free alerts you'd Ike to receive Your carrier may charge a fee for each ten message alert you receive. 300007-C INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate Purchases 22.90% P $142.53 Cash Advances 24.90% P $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. May 12,2015 1 Account ending in - New Balance Minimum Payment Amount Enclosed C $90.85 $25.00 PHILLIP I WILLIAMS PLEASE PAY AT LEAST THIS AMOUNT BROOKLYN, NY 11234-4029 II'IIIrllllll1llrrlllI rlulllllll l rl'I'11111111' 1'1' 1'11"I"1111 $2.77 S0.00 LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400322 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 111111' I" i1111rlIhIlll11 IIII'I II ' IIHHHIhhIllillllhllll EFTA00123843 OM if How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent 10f ad:Wont inlormateer. Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each BlIrg Cyde if your account is subject Wan IntereStChowe. Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new innsan• I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that segment as d that day. The fall is the daily balance fa each secant However, d your waren statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are not added to the dal), balance. 2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. 3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant. (ci each seven, byte daly pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered Charge fa the Biting Cyde. NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge eau* assessed. How can my Veda* APR Mame? Your APR may increase or decrease based on one of the folbaing reported Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code on their:ace/01s statement men to yds/Wrest then there theatrebelow: Code neat to your NW) How do we calculate your APR%) Indes + margin (previously disclosed to you) When yew APHIS) will change P L Prim Rate + °Inn 3 mooch LIBOR + raters The frst day of the Ming Cycles that and in Ian, Apt lure and Oa. 0 F POT* Rate + outgo I nreath LIBOR + (Arun The lady/of each Biting Cyde How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost moora How do I Make Pummels? You may mate you 0.ayMert 0 several ways: I. Onine and kwgng into jour account 2. Capital One Mobile Banking app for apt:toted electronic derma 3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid loloareg the sae Foram 4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour rtptieMECNO 5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your account inkrmadon. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink How do you Process Payments? Vita you make a garment, you authara us to inkilte an ACM of ekatonc payment that MI be debited ken your hark account or other related account. When you provide a check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment Wheaten emcees IN Friplenta For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm Et for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet (am may nit be uedoed as of theday to meve0ern. How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with 'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your StdteatteM mite IC us at Capital he P.O. Boa 30285 Sail Lake City. UT 84130-0285 In your tele, gve us thekilning irionsidon: Amount Warman: Your name and a WI emettl. Dela( amain: The dotal aura cl the suspected mot Ifireogrica of Ftobkm: a you think there is an erns en you bit, describe what you betere is wrong and wey you belere it 6 a mistake. You must contact us within 60days after the ern appeared on you( statement You must notify us of any potential errors in sating. You may call us a may us elearonalre but it you do we are not lectured WinveStwite any potential with and you may hint to pay the stoat n question. We wil nadir you in writs% settin 30 dare dour (eta of your letter. While we antifreeze whether or not therehas been an emit the laboring aretrues We arra try to corer the recut in question, a report you as deinquem on that amount The dung. in question may remain on year summons and we may contra to charge you Otefeit on that amount. But, it she determine that we made a (result, you Vin net have to pay the awn in question 01 any interest Or ether lees related to Ow WOOL While you do ra have to pay the amount in question until at MO you a nonce about the outcome of as you are imp:amble fate remander 01 tow balance. Wean apply errs unpaid amount aging your credo Unit Within %days Mow recta of you lute, we sal Send you a written Wee exptinkw ether that we corrected the error go appear on your eta statement) or the ream we believe the Oil is correct. Your Rights If You Are Dissatisfied With Your Pun :base: If you are dawdled wth the goods or services that you have purchased with your Credt card, and you have tried in good faith to correct the problem with the merchant you may ham the fight not to pay tie retaining amount due on the purchase. To use this rite, the (rebaing ups be we: I) You must have used your credo mad (a the purchase. Dachas.' made wth cash ethances from an ATM a %riga dad that accesses your Credt adamant &roar:to:lib/. and 2) You must not yet have luly paid kr the phase. II al cl the aterei above are met and you are soil desrestred with the pschase, contact us in twang at Capital One P.O. Box 30285 Sail Lake City, UT 84130-0285 YAMle se inseidgate, the same rules apply to tie disputed amount as dsoesed above. Ake( we finish our investigation, we wit all you OfsdecMco. At that poink il we think you owe an amount and you do not pay we may report you as Cancan rt 2015 caper One. Copal One is a tederalre regmered servo mat ETC 08 Mliot Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. • Don't staple or paper dip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123844 Capital s Page2of 2 Customer Service www.capitalone.com Mar. 16 - Apr. IS, 2015 31 Days in Billing Cyde Credit Limit S200.00 Platinum MasterCard Account ending in Available Credit 5109.15 NB? BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Umit 5100.00 E25.00 May12,2015 Available Credit for Cash Advances: S100.00 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance Si 55.76 570.00 $2.32 $90.85 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES S2.77 Total interest This Period 52.77 TOTALS YEAR TO DATE Total fees This Year S59.00 Total Interest This Year S11.90 EFTA00123845 Capitaldle Pagel of 2 Customer Service wwwxapdalonetom Platinum MasterCard PEW BALANCE $42.45 Credit Limit S200.00 Available Credit: SI 57.55 Previous Balance Account ending in MINIMUM PAYMENT DUE DATE $25.00 Jun 12, 2015 ::'• MEW PAY AT LEAST AuSamOuNT $90.85 j - Cash Advance Credit Umit SI00.00 Available Credit for Cash Advances: SI00.00 _f Apr.16 -May.15, 2015 30 Days in Billing Cyd1 MINIMUM PAYMENT WAMANG: liwumde onylhe mritturnpamwtoachpaicd.ycm MI pay rue h iteeslaxl nilmke yau bnparb pay ot )o.r [date Format*: Payment Amount Each Period It No Approximate Time to Pay 011 Estimated Additional Charges Are Made Statement Balance Total Cost lAntrunPmenert 21/cetT.F. R you nold Ilenlormitco atom credl cou-sorg sevces, cal LATE PAYMENT WARNING: hada Dm res:eue )ox numLnpererety yardscale. pu trey hate:, pay elate Ice cltm loSI91Xt Payments and Credits Fees and Interest Charged $50.00 ) + $1.60 Transactions 50.00 $44 New Balance $42.45 New York residents may contact the New Vatic State Department of Anancial Services to obtain a comparative listing of credit card rates, fees, and race rods. Contact the New YorkState Department of Finandal Services: or www.dfs.ny.gov. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 12 MAY Cap 1 ElecPhonePmt VRUAuthDate 12-MAY ($50.00) TRANSACTIONS FOR PHILLIP I WILUAMS FEES Total Fees This Period S0.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period Transactions continue on page 2 S1.60 S1.60 Due Date It's easy to set up your FREE account alerts: First, log In" to Online Banking. Next, sign up by: 1. Clicking "Messaging and Alerts" 2. Clicking "Set Alerts" 3. Choosing the free alerts you'd lice to receive Your carrier may charge a fee for each ten message alert you receive. 300007-C INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate Purchases 22.90% P 185.00 $1.60 Cash Advances 24.90% P S0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in New Balance Minimum Payment Amount Enciomcu .11$12,2015 $$2.45 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 525.00 -)( PLEASE PAY AT LEAST THIS AMOUNT LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. noon Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 i".. "11.1.111.11..1 u I EFTA00123846 OM if How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent 10f ad:Wont inlormateer. Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each BlIrg Cyde if your account is subject Wan IntereStChowe. Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new innsan• I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that segment as d that day. The fall is the daily balance fa each secant However, d your waren statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are not added to the dal), balance. 2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. 3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant. (ci each seven, byte daly pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered Charge fa the Biting Cyde. NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge eau* assessed. How can my Veda* APR Mame? Your APR may increase or decrease based on one of the folbaing reported Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code on their:ace/01s statement men to yds/Wrest then there theatrebelow: Code neat to your NW) How do we calculate your APR%) Indes + margin (previously disclosed to you) When yew APHIS) will change P L Prim Rate + °Inn 3 mooch LIBOR + raters The frst day of the Ming Cycles that and in Ian, Apt lure and Oa. 0 F POT* Rate + outgo I nreath LIBOR + (Arun The lady/of each Biting Cyde How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost moora How do I Make Pummels? You may mate you 0.ayMert 0 several ways: I. Onine and kwgng into jour account 2. Capital One Mobile Banking app for apt:toted electronic derma 3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid loloareg the sae Foram 4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour rtptieMECNO 5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your account inkrmadon. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink How do you Process Payments? Vita you make a garment, you authara us to inkilte an ACM of ekatonc payment that MI be debited ken your hark account or other related account. When you provide a check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment Wheaten emcees IN Friplenta For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm Et for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet (am may nit be uedoed as of theday to meve0ern. How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with 'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your StdteatteM mite IC us at Capital he P.O. Boa 30285 Sail Lake City. UT 84130-0285 In your tele, gve us thekilning irionsidon: Amount Warman: Your name and a WI emettl. Dela( amain: The dotal aura cl the suspected mot Ifireogrica of Ftobkm: a you think there is an erns en you bit, describe what you betere is wrong and wey you belere it 6 a mistake. You must contact us within 60days after the ern appeared on you( statement You must notify us of any potential errors in sating. You may call us a may us elearonalre but it you do we are not lectured WinveStwite any potential with and you may hint to pay the stoat n question. We wil nadir you in writs% settin 30 dare dour (eta of your letter. While we antifreeze whether or not therehas been an emit the laboring aretrues We arra try to corer the recut in question, a report you as deinquem on that amount The dung. in question may remain on year summons and we may contra to charge you Otefeit on that amount. But, it she determine that we made a (result, you Vin net have to pay the awn in question 01 any interest Or ether lees related to Ow WOOL While you do ra have to pay the amount in question until at MO you a nonce about the outcome of as you are imp:amble fate remander 01 tow balance. Wean apply errs unpaid amount aging your credo Unit Within %days Mow recta of you lute, we sal Send you a written Wee exptinkw ether that we corrected the error go appear on your eta statement) or the ream we believe the Oil is correct. Your Rights If You Are Dissatisfied With Your Pun :base: If you are dawdled wth the goods or services that you have purchased with your Credt card, and you have tried in good faith to correct the problem with the merchant you may ham the fight not to pay tie retaining amount due on the purchase. To use this rite, the (rebaing ups be we: I) You must have used your credo mad (a the purchase. Dachas.' made wth cash ethances from an ATM a %riga dad that accesses your Credt adamant &roar:to:lib/. and 2) You must not yet have luly paid kr the phase. II al cl the aterei above are met and you are soil desrestred with the pschase, contact us in twang at Capital One P.O. Box 30285 Sail Lake City, UT 84130-0285 YAMle se inseidgate, the same rules apply to tie disputed amount as dsoesed above. Ake( we finish our investigation, we wit all you OfsdecMco. At that poink il we think you owe an amount and you do not pay we may report you as Cancan rt 2015 caper One. Copal One is a tederalre regmered servo mat ETC 08 Mliot Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. • Don't staple or paper dip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123847 CaPitajOne V ai2 of 2 Customer Smite www.capitalone.com Platinum /Aastereard *IVBALANCE $42A5 MINIMUM PAYMENT $2t Account ending In MI DUEDATE Am12,2015 Previous Balance $90.85 Apr. 16 • May. 15, 2015 30 Days In Billing Cycle1 Credit Limit Available Credit Cash Advance Credit Umit Available Credit for Cash Advances: $200.00 $157.55 $100.00 $100.00 Payments and Credits Fees and Interest Cha ed $50.00 Transactions $0.00 New Balance $42.45 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total fees This Year Total Interest This veal $59.00 $13.50 EFTA00123848 Capital( w Pagel of 2 Customer Sennce www.capdalone.com Platinum MasterCard NEW BALANCE 521.22 Credit limit $200.00 MINIMUM PAYMENT 521.22 MASI PAY Al LE;ST NM AMOUNT Account ending in DUE DATE Jul 12, 2015 Cash Advance Credit Umit SI00.00 Available Credit: SI 78.78 Available Credit for Cash Advances: SI00.00 Previous Balance 512.45 - Payments and Credits 575.00 May.16 -Jun. IS, 2015 31 Days in Billing Cyde ] MINIMUM PAYMENT WARNING: liwomde arty to mritturnpamwtaachmecd.ru MI pay rrae in inwestard EMINke you begat b pay at rxr [date. Formai*: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Lennon Patted //GAY'S,: tl mu maid Ike armalco etas uedtcanseirg lI UM PAYMENT WARNING: tlwedhnotmceieyarnnmmpaynxetbyyordndde. wo may ta'e to pay a late ice dtm Fees and Interest Charged $20.40 New York residents may contact the New York State Oepartment of Anancial Services to obtain a comparative listing of aedit card rates, fees, and race rods. Contact the New YorkState Department of Finandal Services: or www.dfs.ny.gov. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS= 1 13 JUN Cap 1 DebitCardPhonePmt AuthDate 13-Jun ($75.00) TRANSACTIONS FOR PHIWP I WILLIAMS I= 1 15 MAY DUNKIN #338398 035110010NY 2 15 MAY SUNOCO 0007155517 OPSOROOKLYNNY Total for PtiiKip Milano M I 58.13 425.24 $33.37 ► To Transactions This Period 53327 FEES 1 12JUN PAST DUE FEE Total Fees This Period Transactions continue on page 2 519.00 519.00 Due Date 522 Transactions New Balance 533.37 Don't understand credit? That's because you've never had a teacher like this: capitalone.com/financialeducation Check it out on your schedule, 24/7. ( 52122 ) 300014-C INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate Purchases 22.90% P 571.72 Cash Advances 24.90% P S0.00 P,L,D,F = Venable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVVVW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Jul12,2015 Account ending in New Balance Minimum Payment $2122 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 $2122 PLEASE PAY AT LEAST THIS AMOUNT 1 Amount Enclosed 51.40 $0.00 LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123849 OM if How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent 10f ad:Wont inlormateer. Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each BlIrg Cyde if your account is subject Wan IntereStChowe. Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new innsan• I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that segment as d that day. The fall is the daily balance fa each secant However, d your waren statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are not added to the dal), balance. 2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. 3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant. (ci each seven, byte daly pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered Charge fa the Biting Cyde. NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge eau* assessed. How can my Veda* APR Mame? Your APR may increase or decrease based on one of the folbaing reported Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code on their:ace/01s statement men to yds/Wrest then there theatrebelow: Code neat to your NW) How do we calculate your APR%) Indes + margin (previously disclosed to you) When yew APHIS) will change P L Prim Rate + °Inn 3 mooch LIBOR + raters The frst day of the Ming Cycles that and in Ian, Apt lure and Oa. 0 F POT* Rate + outgo I nreath LIBOR + (Arun The lady/of each Biting Cyde How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost moora How do I Make Pummels? You may mate you 0.ayMert 0 several ways: I. Onine and kwgng into jour account 2. Capital One Mobile Banking app for apt:toted electronic derma 3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid loloareg the sae Foram 4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour rtptieMECNO 5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your account inkrmadon. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink How do you Process Payments? Vita you make a garment, you authara us to inkilte an ACM of ekatonc payment that MI be debited ken your hark account or other related account. When you provide a check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment Wheaten emcees IN Friplenta For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm Et for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet (am may nit be uedoed as of theday to meve0ern. How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with 'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your StdteatteM mite IC us at Capital he P.O. Boa 30285 Sail Lake City. UT 84130-0285 In your tele, gve us thekilning irionsidon: Amount Warman: Your name and a WI emettl. Dela( amain: The dotal aura cl the suspected mot Ifireogrica of Ftobkm: a you think there is an erns en you bit, describe what you betere is wrong and wey you belere it 6 a mistake. You must contact us within 60days after the ern appeared on you( statement You must notify us of any potential errors in sating. You may call us a may us elearonalre but it you do we are not lectured WinveStwite any potential with and you may hint to pay the stoat n question. We wil nadir you in writs% settin 30 dare dour (eta of your letter. While we antifreeze whether or not therehas been an emit the laboring aretrues We arra try to corer the recut in question, a report you as deinquem on that amount The dung. in question may remain on year summons and we may contra to charge you Otefeit on that amount. But, it she determine that we made a (result, you Vin net have to pay the awn in question 01 any interest Or ether lees related to Ow WOOL While you do ra have to pay the amount in question until at MO you a nonce about the outcome of as you are imp:amble fate remander 01 tow balance. Wean apply errs unpaid amount aging your credo Unit Within %days Mow recta of you lute, we sal Send you a written Wee exptinkw ether that we corrected the error go appear on your eta statement) or the ream we believe the Oil is correct. Your Rights If You Are Dissatisfied With Your Pun :base: If you are dawdled wth the goods or services that you have purchased with your Credt card, and you have tried in good faith to correct the problem with the merchant you may ham the fight not to pay tie retaining amount due on the purchase. To use this rite, the (rebaing ups be we: I) You must have used your credo mad (a the purchase. Dachas.' made wth cash ethances from an ATM a %riga dad that accesses your Credt adamant &roar:to:lib/. and 2) You must not yet have luly paid kr the phase. II al cl the aterei above are met and you are soil desrestred with the pschase, contact us in twang at Capital One P.O. Box 30285 Sail Lake City, UT 84130-0285 YAMle se inseidgate, the same rules apply to tie disputed amount as dsoesed above. Ake( we finish our investigation, we wit all you OfsdecMco. At that poink il we think you owe an amount and you do not pay we may report you as Cancan rt 2015 caper One. Copal One is a tederalre regmered servo mat ETC 08 Mliot Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. • Don't staple or paper dip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123850 Capitaiale Pa 2 of 2 Customer Service www.capitalone.com May.16 -Jun.15, 2015 31 Days In Billing Cyde ] Credit Limit S200.00 Platinum MasterCard Account ending in Available Credit $178.78 NE? BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Umit $100.00 Il $2122 82122 Jul12,2015 Available Credit for Cash Advances: $100.00 Previous Balance $42.45 Payments and Credits Fees and Interest Cha ed $75.00 Transactions $33.37 New Balance $21.22 TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PURCHASES S1.40 Total Interest This Period S1.40 TOTALS YEAR TO DATE Total fees This Year S78.00 Total Interest This Year S14.90 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123851 Capitalaw Page 1 of 2 Customer Same www.capitalone.com Jun.16 - Jul. 15, 2015 30 Days in Ming Cyde 1 MINIMUM PAYMENT WAPJANG: E)numdeortyPzrmirumpetmateachpedod.yau MI pay rrae in ixereslaxl Mode yau bnperb pay oT rxr tcirce. Forexatoe: Platinum MasterCard Account ending in'. Payment Amount Each Period It No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges An Made Statement Balance Total Cost $77.54 $25.00 :!.••• Aug 12,2015 Wren Patted tl yar mark! lientrmalco Saxe creel =mare antes. cala Sal PLEASE PAY AT Lair TinSAIMINT LATE PAYMENT WARNING: Boman natrecaoymrnnnunpeyrterabypedede, Credit Unit $200.00 Cash Advance Credit Umit $100.00 mu rreytesem pay a late ke caw eaSIRCO Available Credit: 5122.46 Available Credit for Cash Advances: $100.00 Previous Balance Payments and Credits Fees and Interest Charged $21.22 ( $50.00 ) $0.50 ) Transactions New Balance $105.82 New York residents may contact the New York State Oepanment of Anancial Services to obtain a comparative listing of oedit card rates, fees, and race riods. Contact New York State Department of Finandal Services: or rinow.d5.ny.gOv. the TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 13 JUL Cap 1 FlectronicPhonePmtAuthDate 124UL (550.00) TRANSACTIONS FOR PHIWP I WILLIAMS I= 1 18 JUN SPEEDWAY 076551ERIGIONY $20.14 2 20JUN POPEAS CHIKCENBROOKLYNNY $20.68 3 22 JUN QUEENS BL FILL N WQ39LONG ISLAND CNY $13.00 4 24 JUN MTA BRIDGES AND TUNNUNEW YORKNY $32.00 5 13 JUL QUEENS BL FILL If WQ39LONG ISLAND CNY $20.00 Total for Phillip I William= $105.82 ► ToldllyedicrelNePalod $105.82 FEES Transactions continue on page 2 Due Date Aug 12,2015 $77.54 J YOU ARE HERE. WE ARE TOO. Check your balance directly from your phone and: P View recent transactions P Pay your Capital One.' bill P Check your rewards balance Go to m.capitaione.com on your mobile device and manage your account at the speed of you. 303029{ INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to interest Rate interest Charge Purchases Cash Advances 22.90% P 24.90% P $19.29 $0.00 $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in New Balance Minimum Payment Amount Enclosed $77.54 $25.00 -)( PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 PLEASE PAY AT LEAST THIS AMOUNT LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400322 Capital One Bank flISA). N.A. P.0. Box 71063 Charlotte. NC 28272-1083 EFTA00123852 OM if How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent 10f ad:Wont inlormateer. Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each BlIrg Cyde if your account is subject Wan IntereStChowe. Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new innsan• I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that segment as d that day. The fall is the daily balance fa each secant However, d your waren statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are not added to the dal), balance. 2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. 3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant. (ci each seven, byte daly pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered Charge fa the Biting Cyde. NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge eau* assessed. How can my Veda* APR Mame? Your APR may increase or decrease based on one of the folbaing reported Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code on their:ace/01s statement men to yds/Wrest then there theatrebelow: Code neat to your NW) How do we calculate your APR%) Indes + margin (previously disclosed to you) When yew APHIS) will change P L Prim Rate + °Inn 3 mooch LIBOR + raters The frst day of the Ming Cycles that and in Ian, Apt lure and Oa. 0 F POT* Rate + outgo I nreath LIBOR + (Arun The lady/of each Biting Cyde How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost moora How do I Make Pummels? You may mate you 0.ayMert 0 several ways: I. Onine and kwgng into jour account 2. Capital One Mobile Banking app for apt:toted electronic derma 3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid loloareg the sae Foram 4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour rtptieMECNO 5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your account inkrmadon. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink How do you Process Payments? Vita you make a garment, you authara us to inkilte an ACM of ekatonc payment that MI be debited ken your hark account or other related account. When you provide a check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment Wheaten emcees IN Friplenta For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm Et for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet (am may nit be uedoed as of theday to meve0ern. How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with 'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your StdteatteM mite IC us at Capital he P.O. Boa 30285 Sail Lake City. UT 84130-0285 In your tele, gve us thekilning irionsidon: Amount Warman: Your name and a WI emettl. Dela( amain: The dotal aura cl the suspected mot Ifireogrica of Ftobkm: a you think there is an erns en you bit, describe what you betere is wrong and wey you belere it 6 a mistake. You must contact us within 60days after the ern appeared on you( statement You must notify us of any potential errors in sating. You may call us a may us elearonalre but it you do we are not lectured WinveStwite any potential with and you may hint to pay the stoat n question. We wil nadir you in writs% settin 30 dare dour (eta of your letter. While we antifreeze whether or not therehas been an emit the laboring aretrues We arra try to corer the recut in question, a report you as deinquem on that amount The dung. in question may remain on year summons and we may contra to charge you Otefeit on that amount. But, it she determine that we made a (result, you Vin net have to pay the awn in question 01 any interest Or ether lees related to Ow WOOL While you do ra have to pay the amount in question until at MO you a nonce about the outcome of as you are imp:amble fate remander 01 tow balance. Wean apply errs unpaid amount aging your credo Unit Within %days Mow recta of you lute, we sal Send you a written Wee exptinkw ether that we corrected the error go appear on your eta statement) or the ream we believe the Oil is correct. Your Rights If You Are Dissatisfied With Your Pun :base: If you are dawdled wth the goods or services that you have purchased with your Credt card, and you have tried in good faith to correct the problem with the merchant you may ham the fight not to pay tie retaining amount due on the purchase. To use this rite, the (rebaing ups be we: I) You must have used your credo mad (a the purchase. Dachas.' made wth cash ethances from an ATM a %riga dad that accesses your Credt adamant &roar:to:lib/. and 2) You must not yet have luly paid kr the phase. II al cl the aterei above are met and you are soil desrestred with the pschase, contact us in twang at Capital One P.O. Box 30285 Sail Lake City, UT 84130-0285 YAMle se inseidgate, the same rules apply to tie disputed amount as dsoesed above. Ake( we finish our investigation, we wit all you OfsdecMco. At that poink il we think you owe an amount and you do not pay we may report you as Cancan rt 2015 caper One. Copal One is a tederalre regmered servo mat ETC 08 Mliot Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. • Don't staple or paper dip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123853 Capital Page2of 2 Customer Santa www.capilaione.com Platinum MasterCard NEIVReLLANCE Il $7734 Previous Balance S21.22 MINIMUM PAYMENT $25.00 Payments and Credits Account ending kilEl DUEDATE Aug 12, 2015 550.00 1 1 Jun. 16 - Jul. IS, 2015 30 Days in Billing Cyde ] Credit Limit S200.00 Available Credit $122.46 Cash Advance Credit Umit $100.00 Available Credit for Cash Advances: $100.00 Transactions $105.82 New Balance S77.54 TRANSACTIONS CONTINUED FEES (CONTINUED) I I S JUL MINIMUM INTEREST CHARGE S0.50 Total Fees TM Period S0.50 INTEREST CHARGED Total Interest This Period S0.00 TOTALS YEAR TO DATE Total Fees TM Year 578.50 Total Interest This Year $14.90 EFTA00123854 Capitay)fle Pagel of 2 Customer Service www.capdalone.com Platinum MasterCard NBVELALANCE MINIMUM PAYMENT 5151.28 525.00 Credit Limit $200.00 Available Credit: $48.72 PICAS( PAY Al LEAST OnS MOUNT Account ending in DUE DATE Sep 12, 2015 Cash Advance Credit Umit $100.00 Available Credit for Cash Advances: $48.72 Previous Balance Payments and Credits $77.54 J - L $119.00 Jul. 16 -Aug. IS, 2015 31 Days in Billing Cyde1 MINIMUM PAYMENT WARNING: Il)nunuleortythernirinunpapeleathpesad.you oil pay rrae irccoastsrd EMI take you toperb pay cdpxr totem. Forman*: Payment Amount Each Period It No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Alarm Pamert 8 licsthN) tl oamoidiPanymarcn aos.r. MCI( CO.rezirg sences. cal I LATE PAYMENT WARNING: r no do nct recerk yes nuurun parse by ynclactle. )a way haat, pay a late Re alto Mtn Sled Fees and Interest Charged + $3.24 J Transactions $189.50 New Balance $151.28 New York residents may contact the New York State Department of Anancial Services to obtain a comparative listing of oedit card rates, fees, and race New York State Department of Finandal Services: nods. Contact the or www.dfs.ny.gov. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 12 JUN PAST OUE FEE ADJUSTMENTNT ($19.00) 2 23 JUL Cap 1 DebitCardPhonePmt AtithDate 22-Jul ($50.00) 3 13 AUG Cap 1 OebitCardPhonePmt AuthDate 12-Aug ($50.00) TRANSACTIONS FOR PHIWP I WILLIAMS 1 13 JUL Rtn ElearonicPhonePmt 550.00 2 15 JUL DUNKIN #338398 035JESIJCHONY $30.68 3 22 JUL DUNKIN #304160 035UNIONDAIENY $20.03 4 24 JUL SNAPPY'S SOSCLEARFIELDPA $45.00 5 28 JUL SUNOCO 0007155517 QPSBROOIONNY $25.01 6 28 JUL MCDONAUYS F10528NEVY YORKIA, $12.60 7 29 JUL MCDONAUYS F3835NEW YORKNY $6.18 Total for Phillip I arnsMI $189.50 Transactions continue on page 2 Due Date Its easy to set up your FREE account alerts: First, "Log In" to Online Banking. Next, sign up by: 1. Clicking "Messaging and Alerts" 2. Clicking "Set Alerts" 3. Choosing the free alerts you'd like to receive Your wrier may charge a lee for each text message alert you receive. 300007< INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge Purdiases Cash Advances 22.90% P 24.90% P $161.99 $0.00 $3.15 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Scp12,2M5 1 Account ending in New Balance Minimum Payment $15128 ) C $25.00 PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Amowqii!doscu LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 28272-1083 .11.1.111.11--11111111.1111 EFTA00123855 OM if How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent 10f ad:Wont inlormateer. Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each BlIrg Cyde if your account is subject Wan IntereStChowe. Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new innsan• I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that segment as d that day. The fall is the daily balance fa each secant However, d your waren statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are not added to the dal), balance. 2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. 3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant. (ci each seven, byte daly pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered Charge fa the Biting Cyde. NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge eau* assessed. How can my Veda* APR Mame? Your APR may increase or decrease based on one of the folbaing reported Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code on their:ace/01s statement men to yds/Wrest then there theatrebelow: Code neat to your NW) How do we calculate your APR%) Indes + margin (previously disclosed to you) When yew APHIS) will change P L Prim Rate + °Inn 3 mooch LIBOR + raters The frst day of the Ming Cycles that and in Ian, Apt lure and Oa. 0 F POT* Rate + outgo I nreath LIBOR + (Arun The lady/of each Biting Cyde How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost moora How do I Make Pummels? You may mate you 0.ayMert 0 several ways: I. Onine and kwgng into jour account 2. Capital One Mobile Banking app for apt:toted electronic derma 3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid loloareg the sae Foram 4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour rtptieMECNO 5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your account inkrmadon. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink How do you Process Payments? Vita you make a garment, you authara us to inkilte an ACM of ekatonc payment that MI be debited ken your hark account or other related account. When you provide a check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment Wheaten emcees IN Friplenta For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm Et for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet (am may nit be uedoed as of theday to meve0ern. How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with 'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your StdteatteM mite IC us at Capital he P.O. Boa 30285 Sail Lake City. UT 84130-0285 In your tele, gve us thekilning irionsidon: Amount Warman: Your name and a WI emettl. Dela( amain: The dotal aura cl the suspected mot Ifireogrica of Ftobkm: a you think there is an erns en you bit, describe what you betere is wrong and wey you belere it 6 a mistake. You must contact us within 60days after the ern appeared on you( statement You must notify us of any potential errors in sating. You may call us a may us elearonalre but it you do we are not lectured WinveStwite any potential with and you may hint to pay the stoat n question. We wil nadir you in writs% settin 30 dare dour (eta of your letter. While we antifreeze whether or not therehas been an emit the laboring aretrues We arra try to corer the recut in question, a report you as deinquem on that amount The dung. in question may remain on year summons and we may contra to charge you Otefeit on that amount. But, it she determine that we made a (result, you Vin net have to pay the awn in question 01 any interest Or ether lees related to Ow WOOL While you do ra have to pay the amount in question until at MO you a nonce about the outcome of as you are imp:amble fate remander 01 tow balance. Wean apply errs unpaid amount aging your credo Unit Within %days Mow recta of you lute, we sal Send you a written Wee exptinkw ether that we corrected the error go appear on your eta statement) or the ream we believe the Oil is correct. Your Rights If You Are Dissatisfied With Your Pun :base: If you are dawdled wth the goods or services that you have purchased with your Credt card, and you have tried in good faith to correct the problem with the merchant you may ham the fight not to pay tie retaining amount due on the purchase. To use this rite, the (rebaing ups be we: I) You must have used your credo mad (a the purchase. Dachas.' made wth cash ethances from an ATM a %riga dad that accesses your Credt adamant &roar:to:lib/. and 2) You must not yet have luly paid kr the phase. II al cl the aterei above are met and you are soil desrestred with the pschase, contact us in twang at Capital One P.O. Box 30285 Sail Lake City, UT 84130-0285 YAMle se inseidgate, the same rules apply to tie disputed amount as dsoesed above. Ake( we finish our investigation, we wit all you OfsdecMco. At that poink il we think you owe an amount