Exhibit List PartyCal. Super. - 6th Dist.February 14, 2020I-Iunt & Henriques, Attorneys at I.aw Donald Sherrill, Esq. ¹266038 Janalie Henriques, Esq. ¹111589 Kevin Brendon Buiza, Esq. ¹318691 7017 Realm Dr. San Jose CA 95119 Telephone: (800) 680-2426 Facsimile: (408) 362-2299 Attorneys for Plaintiff 10 SUPERIOR COURT OF CALIFORNIA, COUNTY OI'ANTA CLARA DOWNTOWN SUPERIOR COURT - LIMITED CIVIL JURISDICTION 12 13 Plaintiff, 11 Capital One Bank (USA), N.A., Case No. 20CV363579 PLAINTIFF'S PROPOSED TRIAL EXIIIBITS 14 17 N '4 A CV0 16 0 MELANY BASA, Defendant(s) 19 20 23 24 25 27 28 DD0002BC KBU Page 1 of 1 Plaintiff's Proposed Trial Exhibits 1391220 Electronically Filed by Superior Court of CA, County of Santa Clara, on 7/7/2021 12:39 PM Reviewed By: R. Nguyen Case #20CV363579 Envelope: 6795183 20CV363579 Santa Clara - Civil R. Nguyen 5mrse5 Turn off the paper. Turn on the Web. save trees ~ reduce waste ~ reduce rjsk of fraud Go paperless at capitalone.corn r over Q~ Plalinum MaelerCerd NEW BALANCE MINIMUM PAYBIENT $25.00 Page I of 2 Customer Bcrdce1~ www.oapitafona.corn XXXX.XXXX-XXXX-7729 I DUE DA1E Aug03,2012 lun.lo-lul.06,2012 30DaysinBDingCyde] mtNIMUNPAYMENTNARNINO eya mum/lhemhhwmWnmeeadlmmym Ifu/muehulu srauitmrm Iwmwl~ fwdlwmtuhmmyummm paym Ulm utEahp 'lfN App I t Hmetepaytm mti tm Addmvmltbame A«M d St I iealame TtlC t to mmm g 14teathisi I MN h I m atmmmm ahmlmdl coÃstmenotes, ue I eeameoom Credit LimiL $ 300.00 Ava fable Credrt $0 06 L PrissE IAY Ar UAI'r I tits Auovtrl Cash Advance Credit limit. $ 150 00 Available Cred tfor Cash Advances $ 0 OEJ IAIEpAYMENtwAltfrlNo I 0mtrmtf pmrmmrunpalmntby! dwum F mh t m/amutmdmbwsmuuy Apmmt ~upbm Jmm A to d 294O, Previous Balance Payments and Credits So.oo I - i to.oo j + Interest ChargedFeesand 50 00 Transamion$ New Balance $299 94 i = $299.94 PAYMENT\, CREDITS 8 ADJUSTMENTS FOR MEIANY BASA 07729 TRANSAC'HDNS FOR MEIANY BASA 07729 I 18 JUN NAIIONAL LOAN SERYICIN08188813710CA 2 19JUN TARGET 000142745ANIOSECA 3 19 IUN SAFEWAY STORE 00026070SANT/I CRII2CA 4 191UN CYS PHARMACY 493325AHIA CRUJCA 211UN SFIELL OIL 574442588005AN XISECA 6 24iUN HBM 0155CISAN1ANA AOWSANiOSECA 7 241UN CHIPDTLE 14165AN JDSEGI 8 241UN SINOSAN MATEOCA 9 25 JUN BIS RESTAURANTS4295AHIOSECA M TomTmmmceomms Pened FEES tot I Mes ih P md Transactions co tune o page 2 'I U 0 00 $ 22 72 $ 10.16 $ 1 I 22 $ 69 93 $ 17 31 'IU 53 116 07 $ 25 00 8299.94 . , YOU ARE HERE. WE ARE T00 v e ecf! I tra sect 0'Is Pay lour '. otal Onc b 0 Lnea ynu re I ds ctlanrr : - ic m capitalone corn on vou mob le de ce INTEREST CHARGE CALCULATION Your Annual percenta9e nate (ApAI s the annual mterest rateon your acmunt Annual P c tage Balance Subject teTYpeof6alance R I fApR 0 crest ebs geluterelt nate Purchases I 249th/ P '000 I $ 0.00 Cash Arivances I 24 90% P ' 00 I $ 0 00 pl,n F trmmhle Rate see reverse of page I fo detail PLEASE RETURN PORTION BELOW WITH PAYMLNT OR LOG ON TO WNINI CAPITALONE COM 70 MAKE YOUR PAYMENT ONIINE 7 7729 06 0299940oooo00025008 0 Du Date Aug 03,2012 RELANY BASA Ev34 KTROHHEYER CT KAN JOKE CA '15111-19'19 PLAIIIITIFF'B EXHIBIT Account Number: -7729 Ne 81st M I u Py I Am tEncl d 5299 94 525.00 X PLEASE PAY AT LEASI THIS AMOUNT PAPERLESS STATE MENTS Stop waiting for the mailman. Yir ./ Up tn 13 months of slalemenls anylirno onhne Sign up at www capita lone corn C Prc I O 8 k tUSA), N.4. P 0 8 I 05'I'I City f 2 d t y CA '11714-05'I'i IOOOO7 pbam make dlmhs payauo to GNxlal one Bmk fusAI N A anrl rmi tulh Ihr; mumm in Ihe endosed envelope 001 Capigtatoptw If 1 in 5 households went completely paperless, we'd save ... 1.8 million trees 102,945,600 gallons of gas used in garbage trucks the atmosphere from 4 biibon pounds of green house gases Go green at capitalone.corn CO2(fydr'p lO Op lo Pi«pt ally S l d « «4 ytlt iaim H IA IdPai ch Mfd hy pyy '0 Hl 'I MLy Ih g I Mdfgapw M~a g II Upd UAI)t I I I 3) ppd MA) I ag liy I h pyel ~IIII d dm PPIMMY 1 I th I~f55 *PPPdll 0 g I h Ud dl M 2)dHU 0 I'le m falgeswgnr A . IN)fgtnCIIANGC f5050 H d y Cl I 0 ChealW»Ud IOMA 1 OWPI I Iyd1 N, dl A gp*llhh I ddi d yil» gh b«lm CW)dwd hy liy 4 yy hl A IP 1 Al (APAih glY Alga 5 P I 3 4 U8ilR g d I .Ap»l,l ly. do 0 h I pf I Mu 0 y P tp Chm 51 I 1 d I INPp, III p M d Y I PUPNPM y«d Mwper IIY I I dli Id I I pod «d«U,PI ICPI Io Pog 30!85 I Iibl CU,UIWI300!85 PIIUN0101050MMANf d»etnpply I 10» A ti Cp 10 Po 8 30105 gnl l. Gy,U184nod)85 1 NlphllfY A OIM I dWUY C 1 C dP d lly 4 d d I ~ Qp io 10 8 w)85 Mh I I 0 y Ul8 l)00285 Ilw lno Changing Address? Address Home Phone Alternate Phone 6-mall Address P)1850 p n pod m pho 1 ~ be cf opi pboyp uling blupor bdci ny Not quite ready to make payments online? teo problem. Follow these simple steps to make sure we process your payments smoothly: Don't staple or paper «hp your check to the payment s) p . Be sure to uge the payment en elope that came with yo r statement Vying a difterent enprlopr.* could delay pfo«r, mp Please don't mclude any addit onal corregpondence Last but not least, be sure to write your 3 6-digit account number on your check 002 ~C~~R Take Control with Online Statements Managing your account online is easy: 'heck your balance and view recent activity View and print copies of past statements Pay your bill online Sign up at: www.capitalone.corn Ca~lttne Paue2of 2 Custemer Bmvue T@DOGCRGIK www.oapilalone.corn Iun. 10 -lul. 06, 20i2 30 Days in 6 fling Cyde Platinum MasteCerd NEW BAlANCE MINiMUM PAYMENT 5253M XXXX-XXXX-XXXX-3729 DUE DAIE AugD3,2012 Credit limit. Available Credn: Cash Advance Cmrl t umn. Available Cr d t for Cash Advances 1300.00 10 06 1160 00 to 06 Previous Balance Payments and Credits Io.oo f - P so.oo ' Fees and Intecest Charged 10 00 Transactions New Balance + I sfwoa J = 129996 I TRANSACTIONS CONTINUED IHTEREET CHARGED Total tamest This pened TDTlttS YEAII To DATE Total Fees Tha Year Total Interest Thrs Year 10 00 10.00 10.00 003 500O94 Your card. Your choice. For FREE. P Oem~Fr» lntage Card You'e one of a kind. Vyhy should your credit card look like Ihe rest? Ivithout paying a penny, you can personalize your card with your favome family photo or your chdd's painung and create a card that is as unique as you. lust wsit capitalone.corn/imagecard. Caiai tal pftd'latinum MasleCard FEIFJ BALANCE 5290.0$ MINIMUM PAVMENI 525.00 Pagetol I Customer Servicet~ www.capitalone.corn XXXX-XXXX-XXXX 7729 DUE OAIE Sap 03,2012 Jul. 07 ~ Aug. 00, 2D12 31 Days in Billing Cycle MINIMUMPAYMEIITWARRIHG: slormstea4rltomhhumluoumleuhluemnu 41 per n»oh htnw ard I mr test» tmoula ppr oe pu bann» Fm erarok psy e tAm tE d pe dllNO AopmulmateTmetopayoff Mllmsnd Addlutnalchsrge NeM de 53 ten»nllhhws Total c It ta Pamwl I31wml ) sso 3 p ~Snhmmtmmmmdl~~ od fefemaem Credit Umn. $ 300 00 Auarlable Credit: $ 19 19 rtlso I'4Y sr Ifsrr lull amoutll IAIEpAYMEHTNNIRING, emmrm m)mr~mmmwl 4 cash Ad a recredtumt $ 15000 m 7 ~mmr Imbed»»ram 0 4Rhwobe~upl I»fw¹VAFRdmcm Ave rla hie Credit for Cash Advances: 5 I 9 19 Previous Be)ance Payments and Credits Fees and Interest Charged Transaoions New Balance $299.94 I $2500 I 4 as.ar I + sooo I = szaost (TRANSACTIONS J PAYMENTS, CREDITS o ADJUSTMENTS FOII MEIANY BASA 07739 I 03AUGCAPITALONEONLINEW'MTA thoare03-AUG ($ 35 00) FEES Total Fees Tha Perrod $0 00 INTEAEST CHAIIGED IniERESTCHARGE,PURCHASES Total mterestTho Penod TOTAlS YEAA To DATE Total Fees Iha Year Total Interest Tms Yem $ 5 97 $ 5 07 $000 m 57 Creme your own persor el masterpiece. :ust vrsrr capitalone.corn/imagecard. 3ootl33 INTEREST CHARGE CALCULATION Your Annual Percentage oats IAPR) rs the annual mterest rate on your account, Type ol Batance AnnualPercentage Balance sub)auto Rate MPR) Interest Rate Interest Charge Purchases 34 90'Y, P '777 77 I $ 5 07 Cash Arlva reer 2490'I P $000, 1,000 PLDF - VambleRare See everseofpaoelto deters PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO ININW CAPITALONE COM TO MAKE YOUR PAYMENT ONUNE. 1 Cmpigad lta Account Number: Oue Date New Balance Mmmum Payment ( Sep03,2012 528081 525CO7 PLEASE PAYAT LEAST THIS AMOUNT IIELANY BASA 2431 57IIOHIIEYER CT SAN BOSE ~ CA '35111-194't -7729 Amount Enclosed 7729 06 0280810025000025005 GREEN FACT! y~ 1 tree can be saved for every 13 people that go paperless. Sign up at wvrw caprtalone corn 4omo' ortat 4 9 k (IiSAI. N.A. P 4 9 l,ll5'I'I City of I d st Y Cs 'I171I -05'i9 nba'ake dimks payaue la Cwrml One Bm 1 (USA) N A mcl mal v rib Itrs coupon rn If re enuosud envokpo 004 Cap ital Creating your personal masterpiece is fast, easy and FREE: i) Log in to your account at www capita lone corn/imagecard 2) Upload your favorite image 3) Adiust, ronfirm and create your very own work of art )anil rrel loa CPr )O n tjadlly 0 d MCM k.ytri tba I d tl I id I I CI Plod pl pey 'N II " II.I 0 0 ~I«Ch *ppl)MII 0 0 0 h 0 t)d fit I .1)d 0 NM, ln A 10 Mn Iddt dybh «ph I hn \ ded dn by tel 08 illy edhha Ml «dad)1 pl ndon le 108 10101 ~ 11 I k CNp ethuuaip) Cp In le I 3010S seat: etl.btm)oelss lnh y AtA)) 0 t hhpl I 0 0 101st bl I 0' l. 010bl00181 tlC M tnp Changing Address? Address.. Home Phone Alternate Phone 5 mail Address Pdpepn \ I'1010 nb ne ntbdrclthngessbndp i ebl 0t.«h Not quite ready to make payments online? rgo problem Follow these simple steps to make sure we process your payments smoothly ryetrt staple or paper cbp your ciieck to tile payment slip Be tule to use the payment envelope that came with yo statement usmg a difterent envelope could dt.*lay p ecessmg Please don't include any additional cotrespondence Last but not least, be sure to write your 16-digit account number on your check 005 Always at your service . ~ . CaPitalg ye At Capital One', we'e here for you day or night. No holding on i)ie phone. No waitmg in hne. Simply choose a service ... 7 Capital One text massaging-enroll and gei the latest on your account Card replacement-when it's damaged or not working Travel notification-the easy way to let us know when you go Pay your bill online-save a stamp, save a check, save the hassle Log into www.capitalone.corn to take advantage of these and other on-the go services 500602 Page I of I CustomerSetdce1~www.capitaione.corn Aug. 07 - Sap. 06, 2012 31 Days rn Bit~ting Cyde Platinum Mastmcard NEW BALANCE 82862O MINtMUM PAVMMET 8252M XXXX-XXXX.XXXX-7729 DUE DATE Oct D3, 201 2 MINtMUMPAYMENTNARNItIGr ill ~ I/Itanmmumpwwemml«kwmu uuiwmt n~ dtwitn Ioulmee Ioperoepx mwwF Peym tA« tE hP 'lfu App xim te'lm I P yoff Otl td Additional ch Ne rue M d stetem t8 In 1 t I cmt Mwnm Immm 14 Mwssi f M31 Ifpmmuknlu'nmtmdw~~~udtmnasamm CredrtUmrt 6300M Avarlable Credit. 113 17 rtfAIE P4Y4TltAtl luiseuoouf IATEPAYMENtluAaNINGr twdrwlreukevm wwwtvl«d Qsh Advance Credit limit 5150 00 PMOAPA«mtF/ Available Oedtl for Cash Advances: 5 1 3 17J Previous Balance 5280.81 Payments and Credits Fees and Interest MSBO),4 Mi.OZ J Charged Transaotons New Balance so.oo ' Msr 83 FEES 03 SEP PAST DUE FEE lotal Fees The Pe od 52500 525 00 1NTERESICHARGED INTEREST CHARGE PURCHASES Total Interest This Penod 1602 16 02 / (TRANSACTEONS ) PAVMENTS, CREDITS 8 ADIUSTMENTS FOR MELANY BASII 87129 04 SEP CAPITAi ONE ONLINE PYMTAuthDate 03.SEP is 25 00) f IOMIG Always at your service... Pay your btl onlme one fake acvariage ol these Jr d ultra'rr I're.tgo servrcr.s ~ Capital nne teXt meaaagmg & ms~t~g rrv Card replacement Travel nottfrcatton 1 ori rnlr: www.capiialone corn lo take advan:age of these a d othe on.tne.go servrccs TOTALS YEAR To DATE Totalfees Th s Year 125 00 Totalinteresl Thu Year 511 69 You e e assessed a pa t due fee hecause your mnmu payment was not recervedby the due date Toe ad the fee tl e future. we recommend that you allow at least 7 buunessdays for your mr mu pay entto reach caprtat one ENTEREST CHARGE CALCUIATION YourAnnualP ce t geR teiAPR) rstheannualrnterestrateonyou account Annual Pe Ce tage Bal We SubleCt ta I oyaeo uence R.telAPRI tnterestRate mt 51 ge Pu chases [ 2490% P 1284 51, 56 02 CastrAd ances l 2490% P 5000 I 5000 P.L,D.F - Vaaab'e Rate See reverse ol page I 1m rl ra lt PLEASE RETURN PORTION BELOW WITki PAVMENT Oit LOG ON TO WWW CAPITALONE COM TO MAKt YOUR PAYMENT ONLtNE R.MPIIMI oue oats Account Number. -7729 New Batance Minimum Payment Amoum Ewlosed NELANY RAss 6431 STROHNEYER CT SAN JOSE ~ Ca '15111"1'14'I ( Oct 03, 201 2 8286 83 $25 Oo J I 7'LEASE PAYAT LEAST THiS AMOUNT 7729 06 0286830025000025007 GO GREEN. SAVE GREEN! Pay online and save money on stamps. lrgn up at wvrw capittlrrne orm L cptioeaklli541,NA. P 0 ~ 8 tll59'I C ty f 1 d t y Cs 91I1I -05'i'I 4OOOGB Fsease make oudm payabb Io canis l One Bank )USA), N A and mal wth thu mt rpcn rn the «xkmed envsko. 006 C h I APB) I P I N d I t y APMN Wh y APAt ) 3 hUBOA, y ~ I h pl Ih I db 8 14 Mpemlgt tch 0 ltd»hy Pep "N Whw f1y 'Ih 0 I th I~MICI PPI dllt Ie g I I Od d),NWW h D I' Ml ie e teen)el etl 1 A, DdtgtllOIABOI I lh W,it MI d, e )Ueki ~M. fe I I r d,lyll b d wwe t I I .wut Ne.t Iwi A I 0 bgl 0 ddh d 'll b gdh fn lw I Mad Wi»hy WD 00 Wm gy CM MyPM I I I Ih pl . Mlhbp dy 4 I 0 he ~bytp II 3 Pp he fl I f d I IOIPy U,lib 3 d 0 PI « fopwlo Pog 30)85.5 bl wc I UI841300)85 mNO BIBN'o IDMIMNf Io H Afwe I I I !w 4 Cp 10 Ptl f 30185 5 II t. Oy UI84130 1185 I Blgh Ni' Dl I I 4 ed «C d C MP w Il) d Iewhwg d & p'ID PC I 10185 I I I I C y UI003tl 0!85 Irtdg Changing Address' Address. Home Phone. Alternate Phone. 6-matt Address Not quite ready to make payments online? iso prob/em Fol/ow these simple steps to make sure we process your payments smoothly; 'on t staple or paper ckp your check to the payment slip . ge sure lo use the payment envelope that came Ih your stdtctncnt t/ ing 0 different enve/ope cou/ci de/ay processing. Please don't mclude any additional correspondence. Last but not least, be sure to write your 16-digit account nuivber on your check 007 Always at your service . ~ ~ CaPitalopye. At Capital One', we'e here for you day or mght. No holding on the phone. Na waiting in line Simply choose a service . Capital One text massaging-enroll and get the latest on your account Card replacement when n's damaged ar not workmg Travel notification-rhe easy way to let us know when you ga pay your bill online- save 0 stamp, save 0 check, save the hassle Log mto www.capitalone.corn to take advantage of these and other on the-go services. 500722 Platinum MaaeCard MINIMUM PAYMENT Page 1 nl I Guelnmer Smvket~ www.capita)one.corn XXXX.XXXX-XXXX.7729 DUE DATE Nnv03,2012 Sep. 07 - Oct. 05, 20'12 30 Daysin 8 Rmg Cyde MINIMUMPAVMEMWARNING: Uyovml mrlnmmmnnevnmexhnmal vAlmym hhmiudenanfninUImg I nuull tdu Fmnmvm pnym MA ME thpeuedltun ApprnumnteTI t p yolf on tw Addnf la N meM 4 Sflm telme Ttlc t farmmPJrnwi f2imea) I 8219 Ifyovmrmlfnmmm mmnnnmUmrnnfmkmrul faenmnwm creorimn Noooo AvnlnbieCedit 53737 FIAN IAY AI NAir I fr Ir AllOUM Cash Advance Credit Umit: 5150 00 Available Credit for Cash Advances 537.32J IATEPAVMENTVIARNINM UmmfmmmnlC mnmnwb/Y vnmylmmlouynnnhedu I Sunomlvx ApRnmeyl mmmmlolh nrnir flmd2kurl Previous Balance 5285 83 Payments and Credits Fees and Interest Charged Transaainns New Balance Oooo J + M w I 'o.oo f = s)r)88 L I f TRANSACTIONS PAYMENTS, CREDITS 8 ADIUSTME HIS FOR MELANV BASA 87729 03 GCT CAPITAL ONE ONLINE PYIATAUlhDete 03GCT FEES TIIFe Th Pend INTERESTCHARGED INTEREST CHARGE PURCHASES Totnllnlereni Th f Pennd TDTAIS '/EAR TO DATE TUIJIFees Thff Year Total Interest ThnYear )530 00) 5000 55 85 15 85 125 00 517 74 300036 Always at your service... Pny your b I online anc toke odvo "Moe of lheie and Uihe on I.fe.gn ierv«et Ii . Capita) one text messaging l a I ~rr ne Card replacement /I Travel nntifiaftion I rf0 into www cap its lone.cern ln I 4 kr advantage Ol Ih se and vtiie on Ihe go services INTEREST CHARGE CALCUlATION Your Annunl Percentage Rate IAPR) fr therm I te eSt mtenn your ecto Type of Balance A I Pe « tnge Bnience Sub)ed tn ante IAPR) Intereit Rate Interest Chn g PvrrhnneS 2490VI P 5285 58 55 85 Cash Advances 24 90'4 P 5000 5 ~ 00 p LD F - wruble Rate See re erie of page I for detn k PLEASE RETURN PORTION BELOW WITH PAYMENT OR I OG ON TO INWW I'APITALONE COM TO MAKE YOUR PAYMENT ONLINE 1 7729 06 0262680030000025007 Calli~ Due Date Nova3,2012 Account Number: -7729 New Belnn«e Mfnfmnm Payment Amoum Entlmed w 2262.68 %Sap J, I PLEASE PAY AT LGIST THIS AMOUNT BE SAFE! Your trash could be an identity thief's iI gold. Iylanage yaur account online and end the paper trail. hELANY RASA 'lvoo THE UOOUS On APT 17en SAN JOSE CA '15134-3850 Sign up at www.captalone cnm I Cnntt I 0 8 k IUSAI N.A. p.o. e kassn Ctty or 2 d t y CA 'I171t-05'I'I JOOIIOI p lee v make checks peyauo 10 Gnplal one 13nnk )USA) I I A and mail w Ih mu coupon n the eransed envskpe oaa N IANENyl 3(ol tcl Mn CN hp Myy '4 NNWI Illy 8 PENH)50NND it~d g 8 Ui d,ai' d 3)H pa NliNt NN Uy I I ppny u fgAN Nd w plAN Ni 0 Ipkl Ibp fhp N I« id g llh d.ih I N Odd a I H I ih ~II lch ppll~l~d g \ Ned UI I .3)dt U p d 3)f hardy ty gmadl ddm «m p d Md Iyg y me i«id km dy pyd 1'N 81 ', hNdd Nd I 0 mw hUpld I Nd g ddu h pp N I fy 1 D 3 *HI UNMI MIM(ehbge y INIEgf!IOIAAGE d 5D sg,II I MI, d, 4 d y (I 44th I Ch ~ IW NdolkdA 3 D Iy84 INN g »lid h'm, (N 8 bi y 8 lytl,f NN . IN I U hu py NNNMNUIN t ddldfa«hip deik I ~ UNHO .Iy p dl p» Nni I 10(,fy )N Nt 0, k~ hhp 1 P" 4 P 41N"a N I ANN«h Niyi I Af d tp NN, hdy A 3 Dly84 U ddth d yb4«mdt I hw 1 Nad d'.dm hi lly yvddl A UP ~g 4 (AI'A)d gly IN y»d tk I 8 I»h ud» N «N Atgl)th h 8 hl hd CHM d W H d I 4 y AN(ll N y APUD) P I f dkhugp 0 8 dl'W I 1 yl h Nod I Ip: Nh14 W» t H I «U 8 IH I td I I I Ii N 1)0 1 '8 I pl H I~V C 1 I 0 h d I M p,h I pdl, y COI 1 4 pl«dM fd 8 ay I, I g hn dby5p Ey ,0 d«ly pf««CC I dtl Plilk 3t»8i \ I I k Qy UTEA13IM»85 UOCNGNIUH 5 5UMMAIH fo f«Apply 5 18 « » I Oi 10 PO 8 3D)85 ! I I I GO.UI8 300185 ( 1 AO PC 8 38285 I I I Gt 11815100185 tiC 88 I IOM I Changing Address? Address. Home Phone. Alternate Phone. E mail Address Pf Pmdddmfmph * b th IfciabwO 5 gblvdo bkd k Not quite ready to make payments online? h)o problem Follow these simple steps to make sure we process your payments smoothly: Don't staple or paper chp your check to t)ie payment slip. Bc sure to se the payment envelope that came lh your statcmcrit Dung a dfrferen( envelope could delay processing. Please don't mcl de any additional correspondence Last but not least, be sure to wnte your t 6-digit account number on your check 009 500696 Your card. Your choice. For FREE. 7 e M~11m Image iP Card You'e one of a kind. why should your credit card look like the restt Without paying a penny, yOu Can perSOnahze your card with your favonte family photo or your child's painting and create a card thar is as unique as you. lust visit cepitalone.corn/imagecard. ~gHt~st Platinum Mastmeard NEIV BAlANCE $277.94 MINIMUM PAYMENT $252M Page I of 2 Custeme BHHMIJXOODSam www.capita)one,cern XXXX-XXXX-XXXX-7729 DUE DATE Dec 03, 2012 i On. 07-Nev. 06, 2012 31 Days in Billing Cyde MINIMUM PAYMENT WARNING: IIYx mleealhemmmmmmsexhrmxllm Mmymm 'emiaxillellhispxtlmvxhperel bumhFeempix psy tA xxtE d p 6 dlrND Appsxi I 1 I p ynH hifm ted Addnle Ici mes A e Msds st I ellhl m 1st 1cmtM'3 laxlhts) $319 lip ~fkemmm mmmdlrrmsxmmvxmhal~ Credft lime $300.00 Available Credn. $ 22 06 r mls PAY Ar Irxsf I till shee xi IATEPAYMtNTWAAHING. Ilmmm~i pammhwheemh cash Advance oedit Umit. $ 150 00 n "minim xhmdmhshmeuwenpmfmrte~mheFhdvAntd29 Ieh AvslsbleCrediforCathAdvances $2206 Previous Balance Payments and Credits Fees and Interest Charged Transactions $ 2500 I + 55.74 i + $ 3452 j New Balan«e $277 94 i / (TRANSACTIONS J PAYMENTS, CREDITS 6 ADIUSTMENTS FOR MELANV BASA 97729 03 NOV CAPffAL ONE ONLINE PYMTA IhDsle 02-NOV i$ 25 00) Image Card" ... letting YOU show throogh. TRANSACTIONS FOR MEIANY BASA 4'7729 23 OCT TRADER iOES 4'232 OPSSANIOSECA 2 03 NOV PEETS 162025ARAIOGACA 3 03 NOV RUBY IHAISANIA CLARACA 4 05 NOV PEETS 16202SARATOGACA M TotdT~Tms Paind FEES Telrlfees lb Pened INTEREST CHAAGED INTEREST OIARGE PUROIASES T isl I tue t Ths P Dd $ 15 27 $ 4.70 I,B 10 't645 534.52 $ 5 74 $ 5 74 Image Create your nwn personal rnastr rpiece fust visit CapitalOne.COm/imageCard. IDDD» )NTEREST CHARGE CALCULATION Yev Annual Percentage Rate tAPR) is Ihe annual interest ste on your acrexnt Annual Per«entage Defame Sub)en te TVPe Df Balanie 6 I Mpa)Rate BIPR Interest Rate, Interest Charge Transactions continue on page 2 I'u chase l 24 90% P $ 271 65 Cssh Admnres 24 90h P $000 PL,D,F tlmsble rute See e esr sip ne 1 fer details $ 5 74 $ 000 PLEASE RETURN PORIION BELONI WtTH PAYMENT OR LOG ON TO WINNI CAPITALONE COM To MliKE YOUR PAYMENT ONUNE 1 e Account Number: -7729 Dv Date Ne 9 ls re M m Psy e I Ame t End sed Oec 03,2012 $277.94 525.00 7'LEASE PAY AT LEAST THIS AMOUNT HELANV BASA 'Ivoil THE UDDDS DR AP7 172v SAN JDSE. CA '15131-36111 7729 OCL 027797 0025000025005 60 PAPERLESS! The trees will thank you. Sign up at i«wiv capitalnne corn 46DDIII C pit I 6 a k (USAI N.A. P.D. 9 «1,05'I'I City r T 6 1 Y ~ CA 91711-0599 Ph t 6 make checks payaha to Caxhl One Bark JUBAI N A and mal w Ih Ihe nxtxn in tt m enocsed envslcpe 010 Cayri tamil Creating your personal masterpiece is fast, easy and FREE: 1) I og in to your account at www capitalone corn/tmagecard 2) Upload your favorite image 3) Ad)ust, confirm and create your very own work of art O20// nun dro Car lO bn/t k dry r 2 i f /tfi r/it d. I A~Is/erm Ctlht EM 0 y Pe I '0 Iut " M, I II h hd ~l"b Ch PPIWII t 0 I U Ud» I I 11td I+ lint sdt A I 0 lie « It ddh 8 'it I «80 I he~ dltd do hy P cny 8 ty,pl Ututtto Pod oe5 sltit CUU184150A185 ut '0 Pn t PM85 5 81 I C ye 84ttoctes 0 I t.plu CP Io P0.8 30185 w I I* E I 0 I u I to 0185 d rrc ne 10'hanging Address? Address. Home Phone Alternate Phone 6-mdii Ad cl I c 5 5 P * U,nr ddd res e Uh ne uabe ct dnrd s dboye unny t 'ue o black nk Oa Qn Not quite ready to make payments online? P/o problem Follow these simple steps lo make sure we process your payments smoothly 'yon t staple or paper chp your check to ttie payment sbp Be sure to use the payment en elope ttint came wtih your statement Using 0 dt/ferent cnue/opr cou/d dr/Uy p rtcr.Ising . Plcose don'1 in«ludc any additional correspondence. Last but not least, be sure to write your 16 digit account number on your check 011 (( ~R~ Take Control with Online Statements Managing your account online is easy: Check your balance and view recent activity View and print copies of past statements 'ay your bill online Sign up at: www.capitalone.corn Car~ital Pege241 2 Ouslomer Bnvne teaapylaen www.capitalone.corn Ou.07-Nov.06.2012 310ays n80ingCyde Platinum Mastecanl NEW BAUWCE MINIMUM PAYMENT XXXX-XXXX-XXNt-7729 OUE DATE Dec03,2012 J Credit limru A errable Credm Cash Advance Cred t limn: Avarlable C ed tfo Cash Ad antes: 3300.00 122 06 1150 00 122.06 Previous Balance n62,68 j Payments and Credits Its so j Fees and Interest Charged 4 SS.74 Transactions New Balance n4 62 I = 3277.94 I TRANSACTIONS CONTINUED T07AES YEAR TO DATE Total Fees ibis year Totaunterest This year 125 00 123 48 012 Always at your service ... CapltalQyp At Capital One', we'e here for you ddy or mght. No holding on the phone. No waiting m line. Simply choose a service .. Capital One text messaging-enroll and get the latest on ynur account Card replacement-vrhen it'5 damaged or not working Travel notification-the easy way to iet us know when you go Pay your bill online-save a stamp, save a check, save the hassle Log into www.capitalone.corn to take advantage of these and other on the-go services. 500602 Plaliaum MBMMOard NEW BstANCE 3279.24 MINIMUM PAYMENT 3252M Pagelof1 customer Bamm tJxoeosdm www.capita)one.corn XXXX.XXXX-XXXX-7729 DUE DATE Jan 03, 2013 Nav.07-Dec. 06,2012 30 Dayt 5 B fiiaggcyde MIHIMUM pAYM5NTwAIIHIHG Ynummuelm~papmemmoulxlom smmvmmutmmaulmumtmmeuhpump w F tli Py¹MA tE hP dlfN Appeal+I Ti t Pytm Gtl md Addaie etch m AeM d st I MB I Teulc t u turn if I sm etmmuilks~mu~oummumckmcmf~ Credit Limit 5300 00 Ava table Credit 'f20 76 eiiAG IAY at ural ti i i I ua au u I IATEPAYMEHINARHIHG: Ifmd wemuwi mmmwymd 4 1 1 I M 50 00 p yl hmf hk heolipbn5lnivdpuIApfhmiyfemmwduouihe Fmw APIId254IA Available Oed t 1 Cash Advances. 520.76 Previous Balame Payments and Credits 5277.M ) - ( MS OU I + Fees and tnlerest Charged SS 95 Transactions New Balance 520.34 = 5279.24 (TRANSACT(ONS PAYMENIS. CREDITS 6 ADIUSTMENTS FOR MEuiNY BASA 47729 I 03 DEC CAPITAL ONE ONLINI WMTAuthDate 03.0EC TIMNSACTtoNS FOR MEIANY BASA ¹7729 17 NOV 765AN IOSECA Ttmuactcmnmpmiud (125.00) 52o 34 320.34 ~ + MORE Credit cards are only part of the equation. FEES Total Feei The Peood Learn about all thp w175 wP. Catl Si'IYP yottr OPecls 3t capita)one.corn INTEREST CHARGED tNTERFST CIIARGC PURCHASES T tall teettihtPeuod TOTALS YEAR TO DATE Toi*I F et Thu Year Iolallaterect Thu Yea 15 96 'fs 96 125 00 't29.44 INTEREST CHARGE CALCULATION You Annual Percentage Rate (APA) 5 the aonual Iota ett tate on your accouut Tvpeutaabe e a 1 (Am) A u 1P rceutage Balauce Subieu to Interest Charge Rate PA Ietereetliate Puicha5ec 24 90% P l S291 01 15 96 Cath Ad sacer 24 90% P l 50 00 5000 pLDI = vauableltale seereverseofpage 1 fordetails PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW CAPtTALONE COM TO MAKE YOUR PAYMENT ONLINE 1 7729 06 0279240025000025008 ne Due D*te Jan03,2013 Account Number: -7729 New Balance Minimum P y t Amount Enclosed 327974 ' msoo PLEASE PAY AT LEASi'HIS AMOUNT ORGANIZATION MADE EASY. Forget the filing. Manage your account onhne and simphfy your hfe. Sign up at wivw capitaluoe corn 4005H HELANY BASA moil THE blOODS II ~ APT 1,72'I SAH JOSE. CA '15136-3661I 5 P 1 I 0 0 I &USA) N.A.P.0 ~ B III5'3'I City f 2 d t y ~ CA 91711 "fl599 Fbam make checks payatle to Ca nial One Bank f USA) N A a%i mal w Ui th6 mupn in Ihe endosed envelope 013 N IA fdPyipi IICI M Iud hy puy '4 MNNP fay Ul y Mdudisad lh I d 1 II Iip d,abw I IG3i p 'I N I h I~ch PPldtl d M I 1 Gd dp .1)dNU 0 r» M IM w I ICMM'I 4 IhrfatroIAAGEdi050 il«uf h N I, 44d 4 M A. y 0 'i 8 1 N I dd u d bi 0 d M 8 I h 5 I, d Ild dP Ih , by I ly 5 0, 4 ypta yuy Cdu y d I I I Mdfa Wh y MIai P 0 I N 14~AM b h I I I 'Ni 4 IM h I I liho ly I d Ut Apl MN 0 I P Pp Chvu pld I I 4 I IIIPI Ib p d Uypl «CCf1lp .Ppp 30i05 5011 OI,UIMNGO!85 Piuldp IUGNI5 5UMNNIN fp lf ppfy 5 II 4 A« I ol I 0 PO 8 30185 MI I I CU. U184 304185 NM IO PO 8 i0185 I I ut G 0184 300185 IIC 0 4301 Changing Address? Addi ass. Nome Phone Alternate Phone E mail Address. Qe Qn Not quite ready to make payments online? No problem Follow these simple steps to make sure we process your p.iyments smoothly Dont staple or paper ci p your check to the payment siip Be sure to uso ttie paymenl envelope that camr lh yo r statement lysins 4 ddiurent envelope coulrr delay procr ssrnp Piease don'1 mciude any addit on,ii correspondence. . Last but not least, be sure to wnte your lb-digit account number on your check 014 580585 8 'il ~l ¹ ~ Image 0 Card You can use your favonre family photo or your child' painting to put a work of art in the palm of your hand. Just visit capitalone.corn/imagecard. Capita((te Platinum Mastmemd NEW BAUINCE 3292.34 MIN)MUM PAYMENT $25.IM Page lot 2 Cuslomer Senice Idtoogosom www.capitatono.corn XXXX-XXXX-XXXX-'1729 DUE DATE Feb 03, 201 3 1 Dec. 07 - ian. 96, 2013 31 Days in BiBmg Cyde MINIMUMpAH8EnrwmttilNG; ryxmmmymxxdxmmpemmamcalm eepwex mumudkmrhhtyplÃguloswdlwdb8tlaw rd mk perp IA tE*bpeddlfN* Aoproxi+tenmet payoff utimated Addn I eh*me A e M*d st I I 8 lx me Teid c*rt u I 4 Imvdt) smt 8 lm mvkf d8 mmm dadntdi mmmg mm'„ns I asorarkm Credit limit: $ 300.00 Available CredrL $7.66 riesst var AT itssf I el 5 xuoiitlf IAIE pAYMEHT NAIIHING: sxedonrmxrwymmmm fapnwlvrmdn kki y yl umr iml I pl 855m fi Apm vi I pl I 8 mApRd19874. AvailableCreditferCashAdva ces N66 Previous Balance Payments and Credits 5279.24 f - I $ 25 00 ] + Fees and Interest Charged $3l.ll i + Transauions New Balan«e s599),= N9234 I /TRANSACT)ONS j PAYMENTS, CIIEDITS 3 ADJUSTMENTS FOR MBANY 8ASA 87729 I 04 IAN CAPITAl ONE MOBILE PYMTAurhDale 03.1AN TINNSACTIONS fDA MEIANY BASA ¹7729 I it DEC STARBUCKS 4'06960 SANlsan loieCA M Teel TrmmcdomlNs Prated )$ 25.00) $6.99 Image Card'0 ... letting YOU show through. [ CPPNM IF FEES 03 IAN PAST DUE FEE Total Fees Thrs in od $ 2500 $ 2500 Crcaic your Dv»n persona) m35icrpiccc iusivsitcapitalone.corn/imagecard. Iooo I INTEREST CHARGED INIEREST CHARGE PURCHASES iotal lme esi Ihrs Pened IOTALS YEAA 10 DATE Total Feei lifts Year Total I te eii TI s Teat Transactions continue on page 2 $ 61f $ 6 11 $ 25 00 $ 6.11 Pu chases 24 90'7 P $ 789 06 Cash Ad ance )4 90'I P $ 000 piDf . vm blc Rate see e eneofpage1 fo detale 'I6 I I 'to 00 )NTEREST CHARGE CALCU)AT)ON Your Annual Percentage Rate JAPR) is the annual nterest rate on your account Type of 8 lance A nualPerce tage Bal ncesubledto Interest Charge Rate (APR) I tercet lute PLEASE RETURN PORTION BELOW WIIH PAYMENT OR LOG ON To VVVVW CAPITALONE COM To MAKE YOUR PAYMENT ONLINE 1 Cmyagpmg Account Number. -7729 Due Date New Ik lan e M I um Payment Amount Enclosed Feb 03,2013 5292.34 525.00!'LEASE PAYAT LEAST THI5 AMOUNT 7729 06 0292340025000025009 PAPERLESS STATEMENTS Stop waiting for the mmiman. Vtow up lo 'I months nf statemenls anyinnr onl np Sign up al wivw capita)one rom 4OOCO7 NELANY BA54 vvl3fl THE klooDS Dlt APT 1788 SAN JOSE CA 'f5131-38ID C pit I 8 8 0 k (USAI, N.A P.O. 8 x bOSSS City I I d t y, CA 9171I,-059'i I " lil'I'I h Illlil'll'fill'I'in lf " il " d 0 il'til ll'I lfiflrll Fleam rruke UKUG payablo lo capwl One Ewik (USA) N A and mal vrlb br osupm in the enymed enwlope 0 I 5 Creating your personal masterpiece is fast, easy and FREE: 1) Log in lo your account at www.capitalone.comgmagecard 2) Upload your favonte image 3) Adlust, confirm and create your very own work of art Ogefe rinpir inn r e rdl 0 i n/'d« lly dbr d rrr wrpk. All uglrn ld pmpd. wu 05 8 IA idpyfgtf~fch Pud h) pyy *tl B'l fl,y «Ih 8 I lh ~ffch»pphdfli nd U. I«iflfdndl .2)dW.U 0 y eh I I ~cl I A ~ . IfltltlielAggt 11050 8b w h 8 d y CI I th )WB~ICA IW CW gu 5 0'yiul I flog NA guy,l g D byi 0 ddh 1 yl I «W I f«l I dbd 131 by APAI I P I 0 hy WB Uy DWA~NP 0 Ihpl, dd»h dy d. I g he dbysp n 0 y I pp ch«em frwer dypw I dbw 0» fr pl iopiiu ~ Pey 30185 Bhlk Dtru18B300185 Wh I D IIP Ih ky I dANllk D 5 5«nffy lt, klh I Cf 10 PD 8 30185 5 0 I «y, Uim)04185 5 ill fy A D lnf 8 0 C ddc d d»lfr d IW yhl g 0" Cp 10 tC «)dtyg ul I I 0 i UIW1300185 I i 08 incn Changing Address? Address.. Home Phone.. Alternate Phone. F.-mail Address. el05 p.t dd 50 phnnprunbetchanug b neblueerbl ck k Qa 0 0 Not quite ready to make payments online? No problem Follow these simple steps to make sure we process your payments smoothly: Don't staple or paper I.tip your check to the payment slip Be I re te se the payment cnvelopc that canie with your statement Using a drfferen( envelope could delay p ecess ng Please don'I mclude any additional correspondence Last but not least, be sure to wnte your Ib.digit account number on your check 016 M(~@~ Take Control with Online Statements Managing your account online is easy: Check your balance and view recent activity View and print copies of past statements Pay your bill online Sign up at; www.capitalone.corn ~ffyuifh~al Pa9e2of 2 Cuslcmer Bmvhet~ www.capitalone.corn Dec 07- Ian. 06, 2013 31 Days rn atllmg Cyde Platinum Ma ateroe rd NEW BAIANCE $292.34 MINIMUM PAYMENT $25.00 XXXX.XXXX-XXXX.7729 DUE DATE Feh03,2013 Omitt Iratttt Avatlable Credm Cash Advance cred t bme. Avarfahle Credit for Cash Advances 5300 00 57 66 5150 00 Previous Balance uyyfe Fees and Interest ChargedPayments and Credits 525.00 ) 6 531.11 I Transaaions 56.99 New Balan«e 5292 34 , TRANSACTIONS CONTINUEO you were assenedapastdueleebecaus yo n ~ mom paymentwas notrecetvedby the due rlate To avo d thrs fce m the tutw, e eco mme d that you allow at least 7 bus ness days loryourm mum paymc tto reach captalone 017 500057 h c's n 7 r 0 t. MELANY BASA WHOOPS't could happen to anyone. Make sure you pay the amount due on your statements as soon as possible. Maintaining good credit is important. I'fi TI at'-I r~ . Erf 1'I -I f I I Avoid missing future payments by setting up free, customizable account alerts. Enroll in online banking or log in to your account at capitalone.corn and you can: ~ Set up your payment due date alert ~ Receive payment posted notifications ~ Access your account balance and recent transactions 28/7 OZ(us C ykai Orrr. C»prrri Or r u PrJ iiy Rut xi m r»r»r4 Aiircbr, mv J. ~gptIPa~l Page lot 2 Customer Swvkef~ www.capilaione.corn ian. 07- Feb. 06, 2013 31 Days in Billing Cyde MBHMUMpAYMEHTNARRHIG umvmlnml/IhenaaummlmmrauepmNYM Mmy mwudswhwyouwoulopsymycutnhnmrwuwnm paym tAmou tE*hperfodlfu App I t Ti t ywoff utfm tM rm IC t Mn Pamwl i4smatsi i Mm t yw mvu Ike »mmmm dmluuammmo~ Credit Umit: $ 300 00 A alableCredrt f,000 tume rsrsr erst r r s nvoutrr Cash Advance Credit Umil. $ 150 00 Available C edrt for Cash Advances $0 00 1 IATEPAYMEHTVIAItnluo; I mrmmsnnmmhm lonmvlb/tm onmm v ymwumr uul I ooBHco df Apm furr»8mploltf' wv ApR mai 4vl Previous Balance Payments and Credits $292.34 ) - i SO.OO J Fees and Interest Charged + Oi3O i + Transauions SOBO New Balance u23 64 YO ne hefmdbr One purme; terna-ber:Sat pal .5 tl e mr um HSV- I tl thu nu cfatecrrnsycura cun ore»,cs ak sureieu errmde" stm. n,;m, ". Io cplos acccuslr. rr it pons tNotce Youraccountwaspastdue.underthetermsweprevtously rl sdosed to you, I your account 6 past due again n Ihe next 12 billing cydes, your An el Percentage Rates(APRsl may nnease ITRANSACTfIONS J PAHMENTS, CREDITS 8 ADIUSTMENIS FOR MEIANY BASA 87729 Help is Available. Just pick up the phone. Il Call 1-600 955-6600 Bnd 0 cpr ciaiiy Irameri agent will hp happy tr. help you chr r k your balance and makr payments FEES I 04 FEB PASI DUE FEE TotalFees Thtt Penod $ 25 00 $ 25 00 INTEREST CHARGE CALCUlATION INTEREST CHARGED INTEREST CHARGE PURCHASES I otal I ~ terest Ths Per od T s t ons continue on page 2 $6 30 $ 6 30 Your Annual Percentage Rate iAPRI is the annual rnterest rate o your account Annual Pe c tace 8 I e S bl ctto Ret (APR) I t est R I Purchases l 74 90% P '297 77 '6 30 Cash Admnces [ 24 '10% P $ 0 00 P,LD,F -Vmable Irate See e eneofpage I fordelals PLEASC RCTURN PORTION BELOW WITH PAYMENT OR LOG ON TO INININ CAPITALONE COM TO MAKE YOUR PAYMEN7 ONUNE 1 7729 06 0323660023000039006 cmyay~~ 0 e Date Mar 03, 201 3 Account Number: -7729 New 8 la ce Minimum P, ynenl 4 t Enclosed 332364 SSS 00 PLEASE PAYAT LEAST THIS AMOUfil Manage your account online at www.capitalone.corn . IVJke p1yments fiev ccv Jccc.inl rr'Drmaiion IvrilfldgP yc Jf BCL(. HH Irl iHIVICV soooos Take advantage. Take control RELAHY BASA O'H30 THE UOOBS BR APT 170u SAH JOSE CA 'i5131-3SIB C 0 t I O 8 I (US41, H.A. P.O. 8 105'I'I C tv f 1 d t y C4 91711-DE*I'I pbnmrrnke titrcks fmyaue lo I alone Bank lUBAl N A and mal wlhlhu coupon rn the endosmi cmvekEN 013 8 IA IdPW Ult 4&k~lao ey pyy "0 ihh 'it,p 'Ih ni nna e 5~&m '1 4, Unacrntwa,tioso «nd IY pk W 4'l io ~ too til185.5 I UWCly UI84I300185 WIIIUGIUGWU5UMIIWW fn I t Apply 5 80 A« I Whti 0 lfy Yhik'I tidAaitk 0 1 511 'Uy Ihkd Cp 10 po p 3I085 I 1 I t C 0, Ui 84I3II0185 0 0 I t ipf Cl 4 a 3 pp n''pl 1 lph UY A Oi fdWUI Od*C dP d Ally 4 d tl,m dd 4 8 Cp fn Po 0 30185 51 I I Oiy UINI30 018\ If& 08 nw Changing Address? Address. Home Phone Alternate Phone. E-mail Address I'tease pnnt dod eu w ph * mhe &tienaet 5 ina t'r fw u k Qa Q+n Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment~ smoothly . 0on t staple or paper cl p your check to the payment slip. . Be sure to use the payment cnvclopc that came wrth your statement. Using d dhflcrcnt envelope could delay processrng Please don't mciude any additional correspondencc. Last but not least, be sure to wrtte your 16-digit account number on your check. 019 Take Control with Online Statements Managing your acoount online is easy: Check your balance and view recent activity View and print copies of past statements Pay your bill online Sign up at: www.capitalone.corn Capitals Plalinum Masleroard NEW BafANCE Page2of 2 Comommaenimiafesasaao www capilalona corn C XXXX-lOOOPXXXX-7729 MINIMUhl PAYMENT 559.00 hler 03. 201 2 1 Credo lfmii Available Credo rmsh Advance Credit Omu Available Creai fm Cash Advances $ 300 00 $000 $ 150 00 $000 rao 03 Feb 06 2013 31Days ABiaiogcycgfe Previous Balance c $ 292 34 Paymears and Credits Fees and Interest Charged $000 j 6 $ 31.30 J Transamions so.oo New Balance n» 64 I TRANSACTIONS CONTINUED f TOTALS YElia TO OAIE Toiel Fees Tho year $ 50 00 Total foie esi Tho year $ 1221 You e e owwd e past due fee because your m oimum peymeoi mesoor receival by the d e dele To ovmd this fee ro the luiure, ive recommend ihm you allow ei lacer 7 b s eis days I your m e mum peymeoi io reach Capiiel Ooe 020 Capitalofte what's In your wauety YOU'E BEHIND BY LET'S TALK - WE'E HERE TO HELP. 500009 Here are 3 easy ways to make a payment: Give one of our associates a call at 1.800.955.6600. Mail us the amount due on your statement. Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One we'e here to help you keep your credit on track. Give us a call. ~ 4 g ~ t I l - k I I ~ If you have Internet access, you can make a payment securely online by logging on to www.capitalone.corn. OBOVPCvp tr/0 Cp/i /ov uufa //& U r r/r n «6 I// chrr m/ Page I of 2 Customer Bnvfcet~ www.capilalona.corn Feb 07-Mar 06 2013 Zgpaysmgdfrngcgyde MINIMUMpAYMEHTNAItNIHG au mew/lheruunmonmntmmwmtw stw/emmi 'wam rmu k vmmwmmrmymw Fmmmtm psym IA tc hpedodlfu App I m*Tim t p yoif Tm Im Addaion Icbm A M 4 st rem nt81 Tot tc st Iy mike htmmmmmmdl art~ Creat! limit 5300.00 , Available Credn; 50 00 IATtpAvMEntwrlRHIHG emd «mmmm mmmm/mvoumm cashAd c dtu t 515000 mawwmmm/etmm«pusmmuoymmm ate~math Fumv Apno 79ara Available Credit for Cash Advances 10 00 Previous Balance 5323 64 Payments and Credits Fees and Interest Charged 54131 Transactions New Balance TOGO j = M649S vo/reoehndbitamo Ivevts ictstak dymhehavrnfrrrct Oh%rim,mdcadr m,key.v'mmmr" cayn nt.oe mntmnep I I nor;oc; e rotr;I +TRANSACTIONS J PAVMENTS, CREDITS 6 ADIUSTMENIS FOR MEIANY BASA 87719 Help is Available. Just pick up the phone. Il FEES I 04 MAR PAST DUE FEE Total Fees The Penod 135 00 135 00 Call 1-600-9 55-6600 anrl 8 5peo el tv trampd agent will ne happy to help you cbr rk yocr balance and makr payments INTEAEST CHARGED INTEREST CHAtlGE PURCHASES Total I tercet Thrs Penod 'l6 31 56 31 INTEREST CHARGE CAECUIATION TOTALS YEAR TO DATE Total lees This Year Total Inta eit Ih s Ymr 185 00 118 /2 You AnnualPec t geRetelAPRI sthea nuai nleestrateonyou aco nt. A el Percentage Balance Subiectto Tvpe of Balance R pg I M Interest Chargeate IAPRI nte est Rate Transactions continue on page 2 Pv chases 24 90% P 533039 I SG31 Cast Advmces I 2490'I P 1000 I 1000 P.L,DF - Vanbieliaie See e erseofpageifo d tais PLEASE IIETURN PORTtON BELOW IMTH PAYMCNT OR LOG ON TO Ilwmh/ CAPITALONE COM TO MAKE YOUR PAYMENT ONUNE 1 ~ra~rrm v Account Number: -7729 DueDate Newaalance lam u p yment Amos tE dosed Apr 03, 2013 3364.36, 3103.00 PLEASEPAY/3 LEAST THIS AhtOUIIT NELANY BASA 4400 THE 4IOOOS OR APT 1724 SAN JOSE CA 'I5135-3850 7729 06 036/950025000103003 I Take advantage. Take control. Manage your account online at www.capitalone.corn . Make p3yrncnts Review acruunt Info ni,lliun l Manaqe your accOunl in p»41,y C o tai 0 8 k IUsA) NBA. P.O. 8 tosmi Crty f 2 d st. y CA '11715-135'I'I I " fli 'fll'III'i II iiiilt n u" 'I " Illiifflif 0 ''Ilftfi Beam make checks payabb to caput one Rank (usA) N A and mat mth Ihn rvupon n the envosed envdcpe 021 8 IA idnafwMM cha ftd Ay Myp»"N 81 'ni«lh ly P I D I W Dy m~8AM P 0 I I hpl . Mah dy \ I pnhn dhy5p G. D y P Pp Ch I tiMG I I d I Infp«yl p 8 dn nly,pl Gc pnln PUD 30285 5111 Gy,Unm3DG!05 NIUNG DAN 55UMMAIN fp I I Apply i 5 I 8 4 11 Nh y D NY Ihly Md*MD I 0 1 5« fly'i I Y I I 10 Pn 8 30185 I Yul. GD'.UIDG380203 OP UI 0 P ~ 8 i0285 I I I I GU Uf Ailn 0185 GI ne I'nwl Changing Address? Addi ess. Home Phone Alternate Phone E - nm I I Address P'I p rtdnneffn phone n b h Id isbn coins blue bl«hah Qe Qv Not quite ready to make payments online? hto problem. Follow these simple steps to make sure we process your payment»moothly Oon't ~tapis or paper chp your check to the payment shp Be I re to use the payment envelope Ihat came with yo r statement irsing 0 dhlfcrcnt envelope cauld delay procehymg ~ Please don't mdudc any additional correspondence. Last but not least. be sure to wnte your 16-digit account number on your check 022 Take Control with Online Statements Managing your account online is easy: Check your balance and view recent activity View and print copies of past statements Pay your bill online Sign up ah www.capitalone.corn Page 2 of 2 Customm Servicet~ www.capitalone.corn Feb. 07 - Mar. 06, 2013 29 Days n Bitang +Cycle Platinum Mastercard NEW BatANCE 5364.95 MINIMUlil PAYfvlENT S103.MI XXXX.XXXX-XXXX-7729 DUE DAIE Apr03.2013 Credit Umit: Ava table Creda Cash Advance Credit limn: AvailableCredtforCashAdva c s 1300 00 1000 115000 10.00 Previous Balance 1323 64 Payments and Credits SO.0O ] Fees and Interest Charged 141 31 I + Tramauions so.oo New Balance '1364 95 (TRANSACTIONS CONTINUED You were assessed a past due fee becauie your min mum payment was not recnved by rhe due date To avo d the lee in the future, we recommend that you allow at least 7 burmese days to your mn mum payment to reach Cap tel One 023 C~C(~Q~ Take Control with Online Statements Managing your account online is easy: Check your balance and view recent activity View and print copies of past statements Pay your bill online Sign up at: www,capitaione.corn Cai~itui ne Pagelof I Cuahww 5nvbe IJSO9050627 www.oapitslone.corn Mar. 07 ~ Apr. 06, 2013 31 Days in 8 ising Cyde Platinum MaaterCard FewBAIANCE 5227.41 MINIIfIUM PAYMENF 525.00 XXXX-XXXX-XXXX-7729 DUE DATE lflay 03, 2013 MIHIMUMPAYMENTwARNIHG: ftwnwumvlhetwnnmoatnwsmwoucutw mtpaym n tnennutwtnmnuwuwnmymywtvsnmrwnwnm paym tA u IE hpe'odllNo Apens'eTln topeyoff Eslfnrlw Addni I theme A Made st te m Balance Inalc n M M54I I sweet hy ~nenmmtmdmmwt~~rut~ Credttima $ 30000 Available Oedit: $ 72 59 ntmt r var FAT Ittnsuottn'I IATEpAYMENTwAaalno. If o mtm Fw~papnwbynwd oun Cath AdVanteCredh limit $ 15000 m ynmbrW mlmunuSummnenpmmel ~wne PNWAFRUwrUA Av table Crerl t for Cash Advances. 17E59J Previous Balance $ 364.95 New BalanceTransactionsFees and Interest ChargedPayments and Credits $ 14395 j + $ 641 ] 4 $ 0.00 = $ 22741 f TRANSACTIONS PAYMENIS, CREDIIS 6 ADIUSTMENTS FOR MEIANY BASA 4'7729 I 20 MAII CAPITAL ONE MDBliE twtafhuthpate 20-MAR 2 03 APII CAPITAL ONE MOBILE PYMtAOIDDate 03.APR l$ 103 00) O40 951 FEES TotalFees Thts Pe od 1,0 00 Cw~itnl~" INIEREST CHARGED IIITERtit CHARGE PURCHASES Total Inta est Th s Pe od $ 6 41 $ 5 41 I tt 'Dirt n TOTALS YEAA 10 DATE totalfees this Year Totallntewsi Ihn Year $05 00 125 13 INTEREST CHARGE CALCUI ATION Your Annual Percentage Rale IAPRI ts the annual tnterest tate on your account. Type of Balance Annual pe«entage ital nce subleu to Aate (APRT Interest Rate I tercet Char9e Purchases 2490'r P $ 303 26 Cash Atfvances 24 90'4 P $0.00 pLDF - wm bleR tc cce e ca fpaget fo flats $ 641 $000 Pi EASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO IIWVUI.CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE 1 ne Account Number: -7729 Due Dat New Balance Min mtrm Payment Amount Enclosed May 03, 2013 $227.41 325 co f2 PLEASE PAY AT LEAST THIS AMOUNT IIELANY BAS4 9'toll THE IJOODS DR APT lta't SAN JOKE. CA 'i5131-36ID 7729 06 0227I,100I,0950025007 BE SAFE! vour trash could be an identity thiers gold Manage your account online and end the paper trail Stgn up Jt u tvw r., piUtlrtne corn C p C I 0 B I IUSAI, N.A. P.O. 0 t05'19 C ty f 1 d t y C4 '11711 -059'I toootl9 pease nuke chrrsu payatu to cental one thats (UEA) N 4 and mail w Ih Inn Uwpon n itw encksod envckue 024 0 IA NIPyigl 0th 8 yua hy pyy '8 8) 'Nfgi Dh 8 I th 1~0« th ppgd'I Iwp I . I ed NI'«H,ad h D I fd I IN IHCI fui A N Nehf51CHAIHt 150\0,gt . Wl h if yy hl IP g 4 IA4)d gly»N'4 I d CM t M I) p I Hh p I I AI M tl pp P di . if M Hp ~rtMMP I D 3 I Pl Chw gl I IM I INIPI M ~ I p d f1 p Den I NMI 0 Wl Idl ~ I I 8 I pu Ill Nhdi I I piemM,D « INI M d II PI « ICP 10 108 3D)85 5115 Cyvlgu301885 Nwhd IU8015 58MIMIN IV N Ap 8 I 5 8 8 Wl I D Hy iaiy HdAM)lk 0 5 5 HN 8 kh '» y Cp 10 0 8 30105 5111 C y,UI841)DII185 I ggd y»fuih 8 IP C p'10 PO 8 30185 5 81 I C y 8 80100115 III 01 I 'P, . Changing Address? Address. Home Phone Alternate Phone. E-mail Address Pl pmthdfleso ph b «I wigsdbo evv gb)0 orblyckipk Not quite ready to make payments online? )to problem I allow these simple steps to make sure we process your payments smoothly Don t staple or paper clip your cherk to the payment slip Be s re to use the payment envelope that camp th yo r statement ifsing a different envelope could delay pruccismcf Please don't include any additional correspondence. Last but not least, be sure to write your lb-digit account number on your check 025 Turn off the paper. Turn on the Web. save trees ~ reduce waste ~ reduce risk of fraud Go paperless at capitalone.corn r aver Q~ Page 1 of 2 Cusbmnr Suvhe tJRBOOGfm waw.ca)7((0(cnh.corn Apr. 07 - May. 06, 2013 30 Days in Billing Cyde Platinum MaslmCard NEW BAlANCE $1 29.25 MIMMUM PAYMENT $25.00 XXXX-XXXX-X)OX-7729 i DUE DATE JunM,2N3 MIHIMuh!pAHRERTwARNING: lpumsucriylham lpwm I nwtu ot nuk Iovtuoui parol)w M F I'y etA u tE hP 'alfuo App int Ti t I'yoff Et tw Asum Ishm A Md I I IC fa ay ~l I I mm~~mammftaaaatsmm Crerl t Limit'300 00 A el bl Qedt $ 17075 IUXIE I'XYAI itssi fiilsauoom IATEpAYMEHTwAauluo: ywem& y mmmwiwo cashAdvanceoeditumiL $ 15000 m'w~nwrasmhadwntmm n Apmmetemnumwum pawti ApR ¹ERRII Aua fable Credit for Cash Advances $ 150 00 Previous Balance $ 227.4I Payments and Credits Fees and Interest Charged Transamions $ 175 00 J + '3.89 + 572 95 New Balance (TRANSACTIONS 0 PAYMENTS, CREDOS il ADJUSTMENTS FOR MEIANY BASA ¹'7729 19 APR CAPITAL ONE ONLINE PYMTAuihDaie IB.APR 2 03 MAY CAPITAi ONE ONLINE PYMTAurhDate03-MAY TRANSACUDNS FDA MEIANY ilA5A ¹7729 I 28APII EXPRESS ¹ 064DSANIDSECA 2 29APR KDRFJIN 880 HDUSEIRLPITASCA 3 03 MAY BURGER KING 4'4186 0075AN IDSKA M TmalT ansacbomTYis Pwicd 575 001 ($ 100 00) 126 57 136.61 $9.77 872.95 3II002f Always at your service... Pay your b 0 or Jme and lake adva naris oi tl I'sf''I oit I'I oii It t! ii" stIVictn )/ /).--'// Card replacement Travel notification C:: c i log eiln www.capitalone.corn la!afe acvanwge of tliese and other on oe.gc te neet FEES TotalFees This Penod INTEREST CHARGED INTEREST CHARGE PURCHASES Total Interest Thrs Peaod $ 000 $3 89 13.89 lNTEREST CHARGE CALCULAT)ON Yo A IP c tageR te(APRI istheannualmterestrateony ccm t Annual Pe ce tage Balance Subied to'fpt 0 Miici! R I (Apa) Purchases i 2 1 90% P i 5 1 90 I 4 Cash Ad ances i 24 90% P I $0 00 P L D F = Venable Rate Se * e ne I page I fn d tali 't3 89 $000 PLEASE RETURN PORTION BELOW WITH PAYMENT OR lOG ON TO YWWV CAPITALONF. CO M TO MAKE YOUR PAYMENT ONLINE tcms i~iFro 0 e Date Jun 03, 2013 HELANY BASI '14011 tHE IJ00DS DR AP1 3784 SAN JOSE CA '15131 -381*0 Account Number: .7729 New Balance Mmimum Payment Amount Endosed 512925 52500 i . /7, I, PLEASE PAV AT LEAST IHIS AMOUNT 7729 06 0129250100000025007 60 PAPERLESS! The trees wi)i thank you. LSigil i iP at viwtv I'7 Pl f0 1 orle cool 400010 C p 4 I 0 R I IUSAI, N.4. P 0 8 1 059'i C ty f 1 d t y CA '13735-0599 I caw make checks p-y sue lo Canis l One Bank (USA), N A and mal wth Ihn coupon n Ihe enuosed envelope 026 Capairaio&763. If 1 in 5 households went completely paperless, we'd save ... l 6 million trees 102,945,600 gallons of gas used in garbage trucks the atmosphere fram 4 billion pounds of green house gases Go green at capitalone.corn Cegolpr'p lo der leo ',Jnanff& 4 r 0'» I vtlr Clr» nl if I Ih ~o vein&i, de el It lldi fd«i Ned«h D y 8 'I I «CI 11 0 Iolillsriieiofu&D50,111 dl N cihdy 8 5D&yvl I&ddidyih vh I &00 \ RDd 01 0 d» 0&1 Pl «C Pe&00 PD8 3e85.5 I I \ oo uru1300385 bio 10 Po 1 30185 el I I Ry,uilu Mol&5 P I 0 1 Nd 0 cv o PO IN 30&i' VI C 0 8 ')D 0185 ve IIC 00 1001 Changing Address? Address.. Home Phone Alternate Phone. 6-mail Address Pi .s p I ddrl vsl or phone ~ u be d gw above usng b e bi a R Qa O Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly pont staple or paper clip your check to the payment slip Be sure to use the payment envelope ttiat rame with your statement. Vslr&g 0 drfrecent envelope roulrl df.ldy processing. 'lease don'I mc&ude any additional correspondence i.ast but not least be sure to wnte your 3 6-digit account number on your check 027 (+~M~ Take Control with Online Statements Managing your account online is easy: Check your balance and view recent activity View and print copies of past statements Pay your bill online Sign up at: www.capitalone.corn Page 2 of 2 www.eapitalone.eom Apr, 07 - May. 00, 2013 30 Days in Billing Cycle Platinum Mastecard NEW BAUWCE 5129 25 MINIMUIS PAYMENT 525 co XXXS-XXXX-XXXX-7729 DUE DATE Jun03,2013 C mt it limit: Ava labia Credn: Cash Advance Credit bmit: Available Credo for Cash Advances: 5300.00 1170 75 3150 00 5150 00 Previous Balance Payments and Credits 5175 00 I Fees and Interest Charged 53 09 Transauions 1n New Balance uzszs I TRANSACTIONS CONTINUED TDTAts YEAR To DAN Total Fees rh s Ye Total inta est rhu Year saseo 179.02 028 Carpi ta((8(e 500305 %it. Turn off the paper. Turn on the Web. save trees ~ reduce waste ~ reduce risk of fraud Go paperless at capitalooe.corn f over Q~ Platinum MasleCard NEW BAlANCE $249.13 MINIBIUM PAYMENT $25.0D Page tot 2 Customer Suvice 14KONO08W www.capita(one.corn XXXX-XXXX-XXXX-7729 DUE DATE Ju(03,2073 May. 07 ~ Juri. 06, 2013 31 Days in BgingCyde ( MINIMUMPAYMENTNARNIRG: atmmksolylte immured Team,5m op ym bluest da Nnmymkrkmumvdlp aa Fu6xnnak p yme ta unlE d pe dltNo Aap6 I+ I 11 I p yoH E tlmued Addu ICh m 5A Made to it~st i wm an ~I w I mm~mmumsmem,mtt49MMw Credrtlrma 530000 A alableCedit:55087 ritsst rsv AT ltxsl Turs xuauul Cash Advance Cred I Umit:! 150 00 Available Ctedit for Cash Advances; 550 87 IATE pAYMENI wA4NING. I 4 m p mmmwiewonmn, 'ywmytmer py m I I pl Snco 0 ilpn mrmmmmml It Pade APR d tanto Previous Balance Payments and Credits Fees and Inlerest 1.129 25 j I f40 00 I + 529 D3 Charged Transactions New Balance 5130.85 = 5249 13 Renewal Nohce - Year 0772013 bill w 0 include your 519 00 annual membe shrp fee. The eereotthnpageexpiamhowyou aycloseyouraccountandavotdthslee Both s des of thr5 page p ov de mponant i formal on about your ratefsj and how p u tee tcha g scale lated ! YOU ARE HERE. WE ARE T00. i TRANSACT(ONS ) PAYMENTS, CREDITS 8 ADIUSTMENTS FOR MEIANY BASA O7729 041UN CAPITAl ONE ONLINE PYMTAvthDale 03 IUN TIIANSACTIONS fOR MELAN Y 8ASA 87729 11 MAY CHEVRON 0095771SAN iOSECA 2 11 MAV BURGtR KING a'01932 0075AN IOSECA 3 04 RIN FOREVER 21 849SAN IOWCA 4 05IUN TARGET 000228145ANIOSECA M TcwTranumaomms Pomd FEES 03 IU N PAST DUE FEE Total tr.es Th s Pe orl T s cto s o t eon page2 ((40 00) 1.50 39 511 81 148 29 520 36 3130.85 525 00 525 00 CI kyo ~ bal md e tly em ye pl rmr' n,l ~ I'ay you capt 10 ". nil and maxageyocracmsunt. tie p. - I v d INTEREST CHARGE CALCUlATION Yo A eel Pe centage Rais IAPill is the annual mte e51 ate on your account Annual Percentage Balance Subied tTypeofaalance R t (Ape( I t tR t I t stCh r9e Purchases 24 90M P 5190 58 14 03 Cash Ad ances 24 90W P 50 00 (0 00 P L D F = Vanable Rai Se e me I page If 0 t, ls PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW CAPITAI ONE COM TO MAKE YOUR PAYMENT ONLINE 1 Cmp~naC Account Number: -7729 D e Date New Balance Miw um Payment Am unt Enclosed Jul 03, 2013 $249 13 $25.00 l,I '. PLEASE PAYAT LEAST THIS AMOUNT RELANV 04SA 4400 THE 41605S 0R APT 1724 5AN 463E CA 4513i -3at0 7729 06 02( 91 300I 000002 5009 ORGANIZATION MADE EASY. Forget the fi(in 9 Manage your account online and simph(y your hfe Stgn up at wwiv capimlone cnm Caplc I 6 8 k IUSAI. N.4. P 0 8 505'I'I Ctt.y f 3 d st y, Ca 'I1715-05 ll 400on Pkem make checks payatfeto Osptat One Bank (USA) NIL and mal vth Ih0 coupon inlhe eickxmd eave~* 020 Car~ai tal If 1 in 5 households went completely paperless, we'd save ... 1.6 million trees 102,945,600 gallons of gas used in garbage trucks the atmosphere from 4 hilton pounds of green house gases Go green at capitalone,corn Ceanmopi lo .C.'pl lop r fy«lry „u 4 .« It.dg 'gl 4 4 IA Id I Ch ltd W) pvy 'N Ivl 'll,t llh 0 hd ~l« ich ppliw'lid Id 0 I II i)44 fih «,)id h~»dp w 3if ' died ihef dl de .0 pd 0 y M I noh Mv 4 INIIAIIICN400C fioio III. dl M 4 0 I. Idy A 80)pi I)ddhd'yi'0 f«hv),l dl)d d 4 ,n ry lvl! Vl illy ~IM 8 V d 0 pl 0 C polu foh 30184 ihl ) Oly.ul841300)80 Cp 10 00 I 3010) Ml I I 00 PI84 300283 A)III ) p I p ~ vt h pl IIC 08 IVI Changing Address? Address .. Home Phone Alternate Phone E-mail Address. p t ddd ) ph « »b ciidngei Abov ukvig blue or b Ack k Qa Qvp Not quite ready to make payments online? kto problem Follow these simple steps to make sure we process your payments smoothly: 'yon t staple or paper chp your ctieck to thc payment slip tie sure to use tl e payment envelope that came wilh yo r statement Using a ddlerenl envc)ope cauld delay processing . Please don't mclude «ny additional correspondence Last but not least, be sure to wnte your 16 digit account number on your check 030 ~CR+~s Take Control with Online Statements Managing your account online is easy: 'heck your balance and view recent activity . View and print copies oi past statements Pay your bill online Sign up at: www.capitalone.corn Page2of 2 custcmer semcet~ www.eapitalone.oom May. 07-lun. 06, 2D13 31 Dan m Billing Cyde Plalinum Maslaroard NMB BAIANCE $249.13 MINIMUM PAYMENT 5253M XX7X XXXX-XXXX-7729 DUE DATE Juf03,2013 Cfmrit Umil; Avatlable Cred t: Cash Aduance Credit umm Available Credit for Cnsh Advances 5300.005 550 57 5150 00 150 07 Previous Balance Payments and Credits Fees and Interest Charged Tmnsaurons New Balance 512925 , '- i 54000 ) e 529D3 J I. -' 5249 13 J (TRANSACTIONS CONTINUED ) INTEREST CHARGED INTEREST CHARGF PURCHASM Toi tf t wit This ye 4 TOTAIS YEAR TO DATE 54 03 54 03 Total Fees lb s Year 1110 00 roialtnterest ths Year 133 05 You we e accessed a past due fee b ca se yo m n m rn payment was not race ved by theduedate Toa odthisfee nthefurure we ecommendthatyouagowalleast7 buuness days for your m nimum payment to each Cap tal One 031 UUU/b'6/h Turn off the paper. Turn on the Iieb. save trees ~ reduce waste ~ reduce risk of fraud $20 paperless at capitalooe.corn over Q~ Ptalinum MasleCard NBV BALANCE 5274.27 IBINIMUM PAYMENf 525.00 Page I us 2 customer Bervhe 14RDBBSBBR www.oapitaione.corn XXXX.XXXX.XXXX-7729 DUE DATE Aug 03, 201 3 lun 07 lul 06 2013 30 Days in Biging Cycle IJIINIMUMPAYMENTMAIiNIN« Ilyo mmohlt mmmmmvhvmtw Mp y'mnudtmnmy Mmnmy st M rw vnnk pay IA IE hp duN* Ape e m tet t p you whmat d Te«IC«t hmmm Pa«em 1414«ntvl $117 hybuvoide nmm mm~~«orna«srassamtkm CredhtLimit $ 30000 A a I hie Qed ti $25 73 riout rnvsr Isnstleisiwouul tnrsrnnmmwaemnw rmnmtm eym mmmhvwnouem ca\DAdvancecredillimit:$ 15000 m'm«uhwehmmuwuM w D Apn m/m~wne InutyAFliuaiup/ A «lablecredaforceshAdva ces; $25732 Previous Balance/ $ 249.13 Payments and Credits Fees and Interest Charged Transactions $ 30.00 + $2462 i F 1.30.52j New Balance $274 27 (TRANSACTtONS u PAYIAENTS. CREDITS 6 ADIUSTMEN75 FOR MEIANY BASA p7729 03 IUL OIPITAL ONE ONLINE PYMTAuthDate 03.1UL ($ 30.00) YOU ARE HERE. WE ARE T00. TRANSACflDNS Foll MEIANY BASA P7729 I 05IUN UITAO279SANIGSECA I 12 IUN TOG05 EATERY. SNEUSAN IOSECA 3 13iUN TACO BELl e266145ANIDSECA M Tcm Tmn«edcvwTtm Phukm FEES I 061UL CAPtlAI OIIE MEMBER FEE TotalFees The Peeod INIEAEST CHARGED INTEREST CHARGE PURCIiASES Total Inlerest Th s Pseud T sacbo co t ue o page 2 $ 650 $ 13 50 5 i 0 52 630 52 119 00 1,19.00 $ 5 62 $ 562 phn c-end pay you I, ptct 0 c bil Go to m.cap tale c ob;o mob I a'I/I m* ug v amount . 'he sp ec of yc U INTEREST CHARGE CALCULATiON Your Annual percentage Rate IAPAT is the an I te n tc your acmunt 7ype of Balance R Mpa A Ip « tage Bel ncesubjeclo t tAPR) Interest Rate I tercet Charge Purchases 2490V/ f'27'162 15 62 Cash /hd ances 2490'/ P '10 00 $ U 00 pl GF - vanablekate seerever\eofpage I fo detals PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW CAPITALQNE COM TO MAXC YOUR PAYMENT ONLINE 7729 06 0276270030000025003 Account Number: -7729 D eDat N B la c M m paym nt Amoe«E dos d / Aug 03,2013 5270 27 525.00 f I I PLEASE PAYAT LEAST TNIS AMOUNT NELANY BASA cmoo THE UOODS DR APT 172'I SAN JOKE. CA 95131-3ai 0 rPAPERLESSSTATE MENTS l Stop waiung for the mailman. LIhew up to 13 monlns of slaternenls arylimo onl ne Stgn up al www capitalono corn luoooh/ C Ptt I 0 0 k iUKAI N A. P 0 B 105'I'I City I 2 d t y CA 'Ilylt-0599 rrnke checks Ioyabb to captai one Bank LUSA) N A and mal w Ih 1 6 coupon n Ihe encosed Mvskfm 032 If 1 in 5 households went completely paperless, we'd save ... 1.8 million trees 102,945,600 gallons of gas used m garbage trucks the atmosphere from 4 billion pounds of green house gases Go green at capitafone.corn Cggargr.bp IO 0 C pr lo, fid. ll& 8 l „,, k. Rill 'glow 0 y « I ch 'IM A, HfttdtftCHAROI IN50 Ui Nf 0 HN,I ly A g 0 ly04011udh d yl 4««ud I M I ulid dth hy H y 0 hl IP ~HIAPR)d g 71'PR I 'I " IHN Hll N dy ~MP dhwty Pt «4 QPMI 0 Po8 30i85 5 III t. Oly UIN1300185 Witf 0 8 Yhiky I dAMHI 0 1 gt «;dy 0 kI \'f»o Po II 30NI 5 t Co III 88 3011185 Qd y 8 0 NNI y AIANI P I N y A I I d 0 I h UICR 0 PC 8» N185 ! I Cty U IH1300185 P ''P1 n 08 I UN I Changing Address? Address Home Phone Alternate Phone E-maii Address I'100 p Id dptforpbond U bc ch gpi bo siHgbfvporbfpck k Qm 0 Not quite ready to make payments online? bto problem Follow these simple steps to make sure we process your payments smoothfy. Don I staple or paper clip your clieck lo the payment slip. . Be I re lo ce the payment envelope that came w tli your statement Ilsing d ddlerent envelope could delay processing 'lease don't include any odditionol correspondence. Last but not least, be sure to wnte your 5 6 digit account n mber on your «neck 033 M+~R~ Take Control with Online Statements Managing your accounT online is easy: Check your balance and view recent activity View and print copies of past statements Pay your bill online Sign up at: www.capitalone.corn ear~affrmfforte- Pmn2of 2 Cumomm Bootee 1 anettham www.capitalone.corn lun. 07 - lul. 06, 2013 30 Days in 9iems Cyde / Credit limit'300.001 Platinum Maslernard NEW BAUWCE 3274.27 MINIMUM PAYMENT XXXX-XXXIC-XXXX-7729 DilE DATE Augla,2013 Ava lahfe Credn Cash Advance Geditl'mrt Availahle Creditfor Cash Advancer 129 73 1130 00 f26 73 Previous Balance 1249 13 Payments and Credtts 13000 j + Fees and interest Charged szeuu Transactions + [ S30.SZ J New lmlance 9274 27 , TRANSACTIONS CONTINUED TOTAIS YEAR To DATE TotalFees Th Vea loralrntc estThs Year '!129 00 f33 67 034 mtsa5 CaPitaloffe. Turn off the paper. Turn on the Web. save trees ~ reduce waste ~ reduce risk of fraud Go paperless at capitalooe.corn f over Q~ CagaB~ml Platinum Mastetcard $244.76 MINBRUMPAYMENT $25.00 Page lot I cuetnmm Bsrvke 1 000fodsw www.capftafona.corn xxxtsxxlosxyxx.7729 DUE DATE Sep03,2013 lul 07-Aug. 06,2D13 31 Days in Billing Cycle MnnMUMPAnnERTNARRING sl m mylh tmmuttlwmi hnmNIm ape Imdmstmltn I mml mrml Ivrv F Py tA IE hP e*dlfN App k t I etoPayoff utl tm st I*+ ts lanm T I t Cut Iamunpspnm ~ 12immtsi I $2re rlmnttrune I I muoeammmu~vdt~ credit I me $300 00 Avatlable Cred t: $55 14 vttAst rAY Ar trfur THls Auoetrl Cash Advance Cmdh limic $ 150 00 i Available Crerltt for Cmh Arlvances'55 24J IAIEpAYMENrwAsuluu, smo m~y mmmy rvr! d trna, ymm ytm I py ut.*l dml wrrloumv ApRsmi ~mum PmuelPRH29rms Previous Balance Payments and Credits $ 27421 j I $7427 ] + Fees and Interest Charged Transactions $ 39 49 New Balance $244.76 r TRANSACTIONS PAYMENTS, CREDITS 6 ADIUSTMENTS FOR MEIANY BASA 01129 UIIUL CAPITAL ONE ONilNE PYMTAuthDate 1 BIOL TRANSACTIONS FOR MEIANY RASA 07119 Ii IUL IVASH IAUNDRYCA751202ZSANIDSECA 2 18 IUL PEETS I 62025ARATOGACA 3 251Ui TARGET 000192735AN IOSECA U74 27) $ 10 00 $4 30 $25 19 809 49 YOU ARE HERE. WE ARE T00. CI It 3 I cd crtr'0 lour phn» sno Pal'm I p t I O c b 0 FEES tolallees Ihn Peiod $000 ! Gu to m.capit iona corn n Io . « Isle dc a dma 1 yo. accounts'thespreo tyou I INIERESTCHARGED INTEREST CHARGE PURCHASES Total Inta esl Th 3 P od TOTALS YEAR TO DAiE $ 5 27 $ 5 77 INTEREST CHARGE CALCULATION Your Annual pe centage Rate (APRT th* u I te est rate on ye r account Type ofBafance 8 t iAps A IPeca tage BalanceS bleuto tet%crt Cha gtntmest Aate Total Fees Ihs Year Tolaunterest Ihs Year $ 129 00 'f43.94 Pu chases 24 903I P $ 249 08 Cash Ad ances I ?4 90% P '0 00 pi D F - venable Rate see e e Ie of page I for detals $ 5 27 $ 000 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO YNNW CAPITALONE COM TO MAKE YOUR PAYMENT ONIINE. 1 7729 06 0266760076270025006 Cagss~iFIU Due Date 7 Sep 03, 201 3 Account Number: -7729 New Balance Hlmtmum Payment Amount Encl ed $244.76 $2500 ] i . j PLEASE PAY Al LEAST THIS AMOUNT ENTOY 24/7 ACCESS TO YOUR ACCOUNT Me S/ HELANY RASA vvuc THE uooss PR APT trav SAN JOSE CA 'i5136-38GD C P t ! 4 8 k IUSAI N.A. P 0 8 « 605'I'I C'ty f 2 d t y, CA 'U73I*-05'I'I pbsm make ctkvks payable lo captal one Bank (UsAL N A and mal vslb Ihs coupe in Ihe enoosed envelope 035 Cvataital~. If 1 in 5 households went completely paperless, we'd save ... 1. 8 million trees 102,045,600 gallons of gas used m garbage trucks the atmosphere from 4 biff)on pounds of green house gases eo green at capitaione.corn Lean)ac'prplo r'm lo «Uim rrv S r 4 0 a.rill 'gan w 4 d INI) Null fii,pP w I «ul 0 I)b drbv I pdw h d 0 I' I I u ) 1 A», Iiiiivf)I CIUAGf I IOIO II I* d I h 0 )vwub AN I hI y dlyi',I ~ 3011) I hbyv Nb) 0 I 0dl I I 01101 ii Id I, d 'it I Pdi I» I Pi N d)ld dvd»br Iiy fm I y 0 d I I r Nvhn vh u() AN( ) P I 0 I vh pi d viy pi «uc 11 fd POP 3018I I 1 I bey,vy8u300!111 Gi 10 PO 8 30aa ui I I GI) Ului)0 028! rpr I 10 0» 30103I'I GIUfu»300180 I idd'. 'A I 0 iy'»Iyd '018NPG)010 Gl "Nh V I»'0" u 01 I 01 I Changing Address? Address.. Home Phone Alternate Phone E-mail Address Not quite ready to make payments online? n)o problem Follow these simple steps to make sure we process your payments amor)thfy. Don't staple or papei chp your cl)eck to the payment bhp. Be 8 rc )G usc the payment envelope that came with your statement u) ng a drlfcrcnt cnvclopc could delay prccessing ~ Please don't nclude any additional correspondence Last but not least, be sure to wnte your )6-digit account number on your check 036 MAKE YOUR CARD YOURS Have it your way with free personalization tools. Log in to your account at capita)one.corn/)agin to ~ Give your card some mojo by addmg a pic of your own with Image Card. ~ Fit your payment to your schedule by choosing your payment due date. ~ Choose your payment amount, then put it on autopilot with Autopay. 500971 Choices-one more reason to Love What's In Your Wallet". Cay ital~'ID:19519 2 Page I of I Qusumer Buvlce tdaamaaw www.capita)one.corn platinum Masleroard NEW BAIANCE 5301 AD MINIMUM PAYMENT 325 00 XXXX-XXXX.XXXX.7729 OUE BATE Oct 03, 2013 MINIMUM pAYMENI w¹ININO slo muiolyrt rumuilpslueumd mme lmy hiurtlodt situ tmmwl psruip usimsyummm p y tA mtEa hp n«dltao App t Ii top yoff ot+ Im Addtle lch MNAeMsde 1 \ I C Is terna) syo~s ~mmoedtmmstaosmkmodt aaotstkm Credit I m t. 5300 00 Am I bl Cede. 10 00 PitA!t FAY Ar HAIT I Hit Auo4 41 Cash Advance Credit limit 5 150 00 i Available Credu for Cash Advances SD.DOJ IAIEPAYMENTWARNINO: Ilu mm P ~mxmsermvd p mrruolonyauukedu uaainudnu Apmmeb ~mt ee P cuir I I FR d 2R el 'i Previaus Balance u44. 76 Fees and Interest ChargedPaymerns and Credits 125 00 ) + 56.25 + Transactions New Balance 575.39 i = 1301 40 CTRANSACTIONS PAYMENTS, CREDITS 6 AOJUSTMENIS FOR MELANY aASA ¹7729 I 03 SEP CAPITAL ONE ONLINE PYMTAuthDate 03.5EP TRANSACTIONS FOR MElAN Y BASA ¹7 7 2 9 06 AUG I'ENZO SUSHISAN IOSECA 2 II AUt WETZELS PRETZEIS ¹007MILPITASCA 3 04SLP TRADIRIOES¹232 QPSSANIDSECA b ToulTmnmcoons lho pmbd FEES TotalFees This Penod INTEREST CHARGED IilriliESI I HARCF PURCHASE5 torsi l teesllhsPe od TOTALS YEAR TO DATE il 25 00) 144 99 14 12 t26 25 375.39 1000 16 25 16 25 30442I Always at your service... Psy tour b II onime and rake *diostage ol diets J id other on It e rir: servicps Capital One text massaging c'¹pw /C)iro Card replacement ~ Travel notification I og mlo www capitalane corn le law acvant geof:hase ann othe on.tie easer ces L INTEREST CHARGE CALCULAT)ON YourAnnualP m tageRate(APRl istheannual nteestrateonyo rac t Typeofgaiance Annual Percentage Balance 5 bj o t imte DIPR) R Interest Charge total fees Th s Yea Total Interr st Ths Year 1129 00 550 19 Pirlcliases 2490MP 5295 67 Cash Advances 24 90'4 P 5000 p,LD,F=vsnablensre see e sic fpage1fo derals IG 2'io 00 capr¹ar0NO PLEASE RETURN PORTION BELOW WITH PAYML'NT OR LOG ON TO WWOII.CAPITALONE.COM To MAKE YOUR PAYMENT ONLINE 1 7729 06 0301600025000025000 o eo 1 Oct 03, 201 3 Account Number: -7729 N B la e Minimum Payment Amount Enclosed W ¹ Sso«o ' Sasoo Jj PLEASE PAYAT LEAST 11115 AMOUNT r GO GREEN. SAVE GREEN! Pay Online and save 8& money on stamps. Sign Iip;It wvrlv capitalone corn NELANY BASA 440tl THE 4IOOOS OR APT 1724 SAN JOSE. CA '15134-3640 C p't I 0 e B k IUSAI ~ N.A. P O 0 10599 C ty f I d t y, CA '1371l,-tl599 pb ae make chocks Imyabb lo cnolal one Bank )Us A) N A and ma I mlh Ihs coupoi in the enoosoi anvekpe 037 Your account must be m good standing to enrollin selecl benefit:. 8 I Id I «8 hku)ua dy kyy 'N 81 " idly 04 4 a ~if Ich ppdullmmd Cw I 0 Uai f I,!)dNU 4 Ufi ' dofU tlml di d 0 «N»i 4 0 I n I * a 1 A INlf42)lcfkiofm)050 01+ di ah ddu Ih d lyl 8 CI I di A»p 0 I)0 I 4 dd I 0 'll I n mh f «I a ai uf)d a'»hi P I' I I d 4 k I.i iy, do 0 1 ! d» diy P' C 1 0 POC 10285 5 I)1 CdyU184 )00185 ai'o PO IN 20185 W I I C yUIMI 01285 pi lo Po I 20255 C y Uf 81 )0 Otd5 I IC 48 I OC'I Changing Address? Address Home Phone Alternate Phone. E-ma I 1 Address Pl, p t dd Ufo phonennnbcrcbancci Above Iagbl 0 bpc nh 0 Qn Not quite ready to make payments online? bto problem Follow these simple steps to make sure we process your payments smoothly 'on't staple or paper cbp your check to the payment slip ge lure to use ttie payment en elope lh)t came with your statement Dung d dffferen( envelope cauki dcl Iy pracessmg Please don't include,)ny additional correspondence. Last but not least be sure to wnte your 16-digit account number an your check 038 500970 KEEP TABS ON YOUR ACCOUNT ANYWHERE, ANYTIME WITH FAST ANO EASY ONLINE BANKING TOOLS Get more than you'd expect from online banking-answers Uia chat, multiple accounts under one login, year-end summaries, and then some. Visit capitalone.corn/login today to sign Up for online banking. Always on-one more reason to Love What's In Your Wallet". Cav~aat OID:19521 Pufinum Mastmoard heeBAIANCE $202.34 MINIMUifl PAYMENT SPEBO Page I Df 2 Guslamer ServIce I &XONOOm www.cap)taiona.corn XXXX-XXXX-XXXX-7729 DUE DATE Nov03,2013 Sep.07-0ct.06,2013 30DaysinBiflingCydet IIIIHIMeMPAYMENTWAHNIN6& DP nl writ»mmmmpnmdmoutwtm dpu Qhhwm dtmrta pnhouhpw&en nmmFummuk Pw tA tE hP dHN App» t 7 I Pyoff Esthnatd Total cost M fe hkdhi ) MN IP ~S Credit Limit; $ 300.00 Available Credn: $ 17 66 Rout rsvnl EAll luisdiuvur LATE PAYMENT NARNIH6: lid ihsdnmdu ~ueyddurwddUeom. c„shAdvan&eced tb it $ 15000 y mum nrw'nhmdw'adoo~i Apmnwm~whm PastyPPR d2RHd A labi Credtfor Cash fidvances 11766 Previous Balance $ 301¹0 TransactionsFees and Interest ChargedPayments and Credits New Balance 52500 ] + $594 I ~ "w I = $ 20234 (TRANSACT)ONS PAYMENTS, CREDITS It ADIUSTMENTS FOR MELANY BASA ¹7729 I 205EP CAPITAL ONE ONiiNE PYMIAuthDate 20 SEP TRANSACTIONS FOR MEIANY RASA ¹7729 FEES fatal Fees th s Peirod INTEAEST CHARGED INTEREST CHARGE PURCHASIS I I I I temst Thn Per od O25 00) 15 94 'ts 94 stlatps Always at your service... Pa) your b II online ana lake advantage of Itis&a 4 d o ter o i.tt e go iervires capital one teat massaging cds ~mycrm Card replacement Iravel natification I oq i Io www.capitalone.com to laki acvaruge of 'hase and other on ti e gc sernces TOTAlS YEAR 10 DA1E Total Fees This Yea 1129 00 iolal Interest Th s Year 1,5613 'IOUfl BILLING CICIE AND DUE DATE ARE CHANGIN6 Thanks to lett gus kno yo mo ed Snceyourtp&odehasdunged,you bllngcydewll o endonlhel&rhof th month Asa es It,yaurrl erlareulialsorhange Transact ons contrnue on page 2 Pu«hates I 2490% P $ 290 15 Cash Arf ances I 24 90% P $ 0 00 P L D F - Venable Rate See everse of page I for deia ls INTEREST CHARGE CALCULATION Y A n IPe tageR teiAPR) sthean ual nteresttateonyouraccount. Annual Percentage Balan&a Subfed to Type of Balance R t (ApR'ate (APR) I t rest Aate Interest Charge $ 5 94 So oo PLEASE RE7UAN PORTION BELOW WITH PAYMENT OR LOG ON TO IIPJVW CAPI7ALONE COM TO MAKE YOUR PAYMEN7 ONLINE 1 r B~srrmg e Account Number. -7729 Due Date New B ta ce NH Paym t Amount Enclosed Nov 03, 2013 3282.34 525,00 J I 7'LEA5E PAY AT LEAST THIS AMOUNT 7729 06 0282340025000025003 BE SAFE! Your trash could be an idenlity thief's gold Manage your account online and end the paper trali HELANY RASA VVOO THE WOODS DR APT 172r SAN JOSE, CA '15131.-36I,D Sign up at wwvr,caplalone.cnr~ C n t I 0 e Ba k IUS41 tl 4. P.o. 0 kosnn C ty f 1 d t y CA '1171k-05'19 4ooaue pham make rimks fmya0 bio cental one tksnk LU sA) N IL and mal vs fh Ih a mupon in tto endosed anvdope Q39 Your account must ba in pood standmg to enroll m select benefits 8 I d ~ICh ppIul luuwd 0 h 0 Udh llh u,aN U P 0 I 8 d pl, du h dy I. wp ihn dhysp tl 0 y P P*p Ch I C I d I *IIPp h .It p d lypl lopuiu POU 30285 sl I I CIUUI80uuulhl Cp lu PO8 50185 5 Rul CU,OIU 1300185 t uhpl C 0'0 po 0 .e85 I I I I I y 018 u0028\ Ill 08 Changing Address? Address Home I'hone Alternate Phone E mail Address I'uwupntadd c 50 phu 0 "0 b «t gn to lngbluuorblhck k Not quite ready to make payments online? fto problem. Follow these simple steps to make sure we process your payments smoothly Don't htaple or paper clip your check to the payment slip Be sure to use the payment envelope tli, I camp ilh yo r statement gung d diffcrcnt cnvclonc could dc'lay n occlling . Please don't mdude any addihonai correspondence Last but not least, be sure to wnte your 16-digit account number on your check 040 f(~~atafI Take Control with Online Statements Managing your account online is easy: 'heck your balance and view recent activity View and print copies of past statements Pay your bill online Sign up at: www.capitalone.corn E:mi italQm Patpsof 2 ( Customer Bmvhef400IOOBW www.capitalone.corn sep. 07-oct. 06, 2013 30 Days m Billing Cycle Platinum MaslerCard NEW BAUINCE 3202.34 MINIMUM PAYMENT 325.00 - f XXXX-XXXX.XXXX-7729 DUE DATE Nav 03,2013 Credit Umit Ava fable Credn. Cash Aduance Dedrt limn Available Credit for Cash Advances 13IIO 00 sf 7 66 1150 00 117.66, Previous Balance Payments and Credits 130140 j - f 125 00 Fees and Interest Charged 55.94 Transactions New Balance + sooo f = MB234 I TRANSACTIONS CONTINUED ) 'Imponant Notice'ou are enrolled in Autopsy Your seleoed payment of 135 00 v 0 be debned from your bank account on your Due Date If your payment rs less than Ihe Minimum Amount Due, you w 0 need to make an add Irons i payment of the d fference between the two amounts lf your payment n nore than the Cur ent Balance on ye r DueDate,onlytheCurentaala ceivillbedebsed O41 WE'E GOT YOUR BACK 500959 Get a digital tap on the shoulder and keep your credit healthy with payments that are on time, every time. Avoid pesky late fees, too! Be alerted when your payment's due, when you'e nearing your hmit, what your balance is, and more! Log in to your account at capitalone.corn/login to set your alerts today. Free, customizabie alerts-one more reason to Love What's In Your Wallet'. OID:19523 Platinum Masleroard NBB BAUWCE $25288 Pagel ol 2 Customer Service1~ www.capita)one.corn Account anting n 7729 MINIMUM PAYMENT DUE DATE S25.00 Dec 11, 201 3 Decoy-Nov.14,2013 39DaysngliingCyde MINIMUM pAY ME !IT wrulNING; II yov nate mr) Ihs mumm mpmtcatt pmn I MMMkmfum'fa Uoenpooapm MutcaFduufnpk paymwtA tE hp 'ltn Appro m t Timetopeyofl Utt+ IM Tm I Cwt tam Pemmt lafomt ) l sap. hpsrucvklae b I Credubmt $ 3OO.GD Available Credit: $ 37 32 rites t I'sv Ar lrssr r urs rar otrnr IATEpAYMENtwsltNING; lfmmmtnmmnmmtmempsmmwy n bl, CashAd anceCredtl mit 'f15000 m mrAPR d E9 4lr A arlableoedtfo cashAdvancek$3).32 2 Previous Balance/ naz)4 Payments and Credits Fees and Interest Charged Transactions New Balance $ 3500 + $ 734 J + $8.oo I = Szrzaa (TRANSACTIONS PAYMENTS, CREDITS Ik ADIUSTIIIENTS FOR ME MIN V BASA ¹ 7 729 03 NOV CAPITAi ONF AU TO PAV PYMTAuth Dare 04.OCT 535 00) Image Card D ... letting YOU show through. TRANSACTIONS FOA MEIANY BASA ¹7729 I 12 NOV WESTGATE CAR WAS ~ SARAIOGACA Toter for Melany Base rl7729 N Totaly~twssmm SE 00 SB.OG Image FEES TotalFees Thrs Penod $ 0 00 Create your otvn persona) masterpiece lust visit capitalone.corn/imagecard. 3trca12 INTEREST CHARGED INTEREST CHAIIGE PURCHASF\ 'lotal ime esr Ihrs Pe od TOTALS YEAR To DATE fotal fees lhs Yea fetal I te est Th \ Ye'ransactrons continue on page 2 $ 7 34 $ 7 t4 $ 12900 $63 4) INTEREST CHARGE CALCULATION YourAnnualP c t g R t (APB) sthea nualrnteresttateonyouraccou t Annual Percentage Balance Sub)ed to Type of Balance Rate (APRi Interest Rate Interest Charge Pu chases 24 90'4 P i $27\ 83 $ 7 34 Cash Ad ances 24 90% P l $ 0 00 r 10 00 I'.L D F . Va able Rale See averse of page I for data ls PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WUIW CAPITALONE COM TO MAKE YOUR PAYMENT ONUNE 1 7729 14 0262680035000025002 d Oue Oats DGc 11,20)3 Account Number: -7729 Ne 8 la ce M imumPayment A o etE d wd Saez,ss 32600 J I2 '. PLEAS 1 PAY AT lEAST THIS AMOUNT 60 PAPERLESS! The trees will thank you. Sign up at www caprta lone corn IIELANY BA54 v'tl30 IHE uooas aR 4PT 172'I SAN JOSE CA 95136-3060 c p t I 4 e 9* k rusA) N.A. PION 0 1 05'I'I City I 1 d t y CA 'I171t,-0599 phase make chedd payebb to captal one Bark!U sA). N A and mat mth Ihn mupon n the endosed mmkoe 042 Your account must be ln good stat&dmg to enroll m select benehts OM 14 H A ~idwi»«ch 'Ilua hy Pey '8 Ihl 't,y D I * I Iy A, INMttlICHAGGf 1505D 01 ~f d Hy I D f 4 15 PI I op'0 P08 3M85. 5 I u CIA Ui 8413D0185 DHUHGIU0015MMIMIN fO N NPly 5 00 A What D 01 Ih1 iidA il 0 50 Iffy 0«1 I t. Cp IO PO H 3M85 5111 Gy UI841380185 Qp 10 PO 8 30185 5111 CG U 8 n00185 nl 01 Changing Address? Address Home Phone Alternate Phone E mail Address Qm o Not quite ready to make payments online? hto prot&tern. Fallow these simple steps to make sure we process your payments smoothly Don 5 staple or paper cl p your check to the payment sl p Be sure lo usc the payment envelope that came wilts yo r statement Using 0 diffcrcnt cnvclupr. Ioulrf delay processing Please don't mclude any additional correspondence ~ Last but not least, be sure to wnte your 16-digtt account number on your cleek 043 ~C~~ega's Take Control with Online Statements Managing your account online is easy: Check your balance and view recent actwity 'iew and print copies of past statements 'ay your bill online Sign up ab www.capitalone.corn Cag~agtagofte- Page 2ol 2 Custoner Bervhe lafowsaan www.capitalone.corn ou. 07-Nov. 14, 2013 39 Days in Billing Cycle Platinum MaelerCard NEW BAUWCE $262.66 MINIMUM PAYMENT $25.0D Account ending in 7729 DUE DATE Dec li,2013 c Crmlit um 0 Available Credit. Cash Advance Credit limih Available C erltfo Cash Advances 5300.00 537 32 5150 00 537 32 Previous Balance szsz za j Payments and Credits 535 00 j Fees and Interest Charged 57.34 Transactions New Balance + [ ssco I = nsz,ss [ TRANSACTIONS CONTINUED 'Imponant Nouce'ou aie enrolled n Autopsy. Your seleded paymenl oi 135 00 Nfl be deb ted I om you bank account on youi Due Date ii your payment s less rhan Ihe mn mum Amo nt Due, you v II need to make an addrt onal payment of ihe rl Iference bel een the hvo amounts Ii your payment s more Ihan the Cu renr Balance on your Due Date, only the Current Balance w II be debned Always at your service Capitalg. At Capital One', IVe're here for you day or mght. No hofdmg on the phone. No waiting in line Simply choose a service . Capital One text messaging-enroff and get the fatesl on your account Card replacement when it's damaged or not workmg yrauef notification-the easy way to fet us know when you go Pay your bill online-save a stamp, save a check, save the hassle Log into www.capitafone,corn to take advantage of these and other on the go services 5OOBO2 Platinum Masimcwd Patti BAUWCE 3233.81 IltINIMUM PAYMENT 325 CO Page I of 2 Cushmm Suvice tlgGSSI37 www.capitalone.corn Account ending in 7129 DUEOATE Jan lt,2814 Nov. 15 - Dec. Id, 2813 38 Days fn Biilrng Cyde MINIMUMPAYMENTWARHIHG Ilm mrna&/Ihemhlnmmtrrmtmmmmdwv mtpaym mmadtwtmymum«nswesys tetm! F manpk paymentA ou ttadtpe drill Appmr mat Timetopryofl otl tm Addhi n lcham A M d 5t tem nte lance tool C I rtsmws) 2 toll mukllk6 Iemmtm strunell~~& Isaatstom Credt L mrt: 5399 00 Available Credh 56699 rttAII PAY J I t(AII rrra Auou I IATEpAYIJIEHTwmrnln6: Ilmmnuremmpmm'wmhrpmd»mm cash Advance credtt umrt 515U Go IWWV A Pit H2940/ Avatlable Credit for Cash Advances'66 99 2 Previous Balance 9 5262 68 Payments and Credits 535 90 I Fees and Interest Charged Transactions + 55.33 58.88 C New Balance 5233 Dt (TRANSACTfONS PAYMENTS, OIEDI15 6 ADIUSTMEN15 FOll MELANV BASA P7729 11 DEC CAPITAL ONE AUTOPAY PYMTAuthDate 16 NOV TINN5ACTIDNS FDA MEIANY BASA B7729 FEES Total Fees The Penod INTEREST CHARGED INTFREST CHAIIGE.PURCHASES Torsi Inta est Th s Penod TOTALSYEARTO DATE Total Fees Ihu Yea i otai Inrerest Ih I Yes Transactions «ontrnue on page 2 535 ccl SG 00 fs 33 'ts 33 1129 DC 'L68 80 ~ + MORE Credit cards are only part of the equation. Learn about aff the ways we can serve your needs at capitalone.coyn INTEREST CHARGE CALCUlATION YourA u IP I geR t IAPRF rslheannuairnterestrateonyomaccount, Annual percentage Balance Subieu to Type 0 Ba anm R lApft) I R, interest ma g. Pu chases 74 90% P f 5260 62 55 33 Cash Arl ances I 249D'4 P f SU DU 10 cc pLDF Iranablenate seereveseolpagetfmrf tais PLEASE fiETURN PORTION BELOW WiTH PAYMENT OR LOG ON To VIIINNI CAPITALONE COM To MAKE YOUR PAYMENT ONLINE ~ga~nat lc Account ending in 7729 Due Date Ne Balance Minimum Payment Amount Enclosed Jan11,2014 523301 52500J''. PLEASE PAYAT LEAST THIS AMOUNT 7729 14 0255020055000025008 ORGANIZATION MADE EASY. Forget the filmg. Manage your account onhne and simphfy your life. Sign up at www capitalone corn aoool I HELAHY BASA 'rvflo TIIE Iroops OR APT 172'I SAH JOSE CA '15131-366D Cpt I One tt k IUSAI N A ~ P O 8 ID5'I'I C ty I 1 d t y, CA 91716-Ils'19 1 " I'I' lli'tll'I'lf'Iifl'I'llll" 'I " illrrlllil Ir I ftiillll punso make ducks Dayum to cnua I one Bank lU5Af N A and mal w Ih Ihn mupon n Ihe endosed envmop. 04 5 0 y ammm~ t cb 8 1 1 A Idu»t\I c»A»Q 110 50 du ~ 8 v, wy A yptdi I dd» d'yta 41 I in iuaddd py I ly yim ply Qa 0 d«iy,p» Qp 10 Pad 30185 I liui 01.0184 30»ln Qp 10 P» P 30185 5111 00.0184Q»0385 cn y AP»bi Qp 10 I'0 8 30285 I ' I I y 0184130018 t'»0 Changing Address? Address Home Phone Alternate Phone E mail Address . 'rai p» tdadcysa ph . b Iy ~Ingvlupa blact. rt. Oa Q+n 8 Not quite ready to make payments online? No problem Follow these simple steps to make sure we process your payment »moot lily Dnnh staple or paper cl p your ctieck to Ihe pdyrne it slip Bc * ore to use Itic p,iyment envelope that can e 4 t i your st 1tement bruno a diffeient envelope could delay processing Pease rton't atdude any add tiondt coirrspondrnce. Last but not least, be sure to write thr*.!!st fou digits of your account number on your check 046 Take Control with Online Statements Managing your account online is easy: 'heck your balance and view recent activity View and print copies of past statements Pay your bill online Sign up at: www.capitalone.corn Caro~ital Page2of 2 Cuslamer Bmvlce 14M.BMBD www.capilalone.corn Nov. 15- Dec. 14, 2013 3D Days in Billmg Cyde P law num Maslercard NEW BALANCE 5233.01 MINIMUIfl PAYMENT Account endrng m 7729 DUE DATE Janll,2014 c Credit limit. Ava labia Credo cath Ad ance oedtu n: Avmbble Credtt for Cash Advances 1300 00 166 99 5150 00 166.99 Previous Balance nnas Paymenis and Credits 535 00 I Fees and InteresICharged 55 33 Transactions 50.00 New Balance nn ai fTRANSACTIONS CONTINUED j 'Imponantnotice'YouareemoaerltnAutopay vourselededpaymentof13500wg bedebtedfromyourbankaccountonyou DueDate lfyo rpayment slessthsnthe Minrmum Amount Due. you will need to make an addmonal payme t of the rl fference between the tno amounts if your payment n more the rhe C nant Balance on your Due Date, only the Cur ant Balance ill be deb red. 047 We'e making our online statements easier than ever to print at home. Starting in February, we'e changing our statement size from legal to standard 8.5U x 1 lu letter size to make things easier for you. wpws Switch to paperless statements today: ~ Enjoy convenience-view or print statements anytime m Get instant access-receive an email as soon as your statement is ready ~ Be secure-no paper trail Capi tattle" Plalinum IgaaterCard NEW BAIANCE 827R62 BRN)MUBI PAYMEHf 525 00 Page I of 2 Cuslomer Suvicef~ www.eapitafone.corn Amount end ng n 7729 DUE DAIE Feb 11, 2014 Den IS - lan. 14, 2014 31 Days m Br ging Cyde MtNIMUM pAYMUIT wARNING: kloumaeork/ltamnmwrpapmseehpuua vm Yp ymwn mmnntwawu)oukrgunmrwmwteumeywnumm paymentAm unlEa h pen dlfNo Apprmlmm*Tn t p yoff Enl t d Addn al ch Mes me Mad* st te tittle ce let tc t M Pammr n )kntnl Smr a ycu ma Ike hmm mutmdtcumoawk csl tamwoocm Cred 1 Limit'300 00 Available Oedn; nj2 38 rctAN) YA'I tlslrurs Auounr )AIE pAYMENt MAANIN6. Own mtmme lm mmmm pspemerwuneum. LahAd C dtn I 115000 ) uwh nm),WI"dmntmw~! APFhmut ~wna' labieQ dtfo CashArivances 17238 Previous Balance Paymenm and Credits Fees and Interest Charged 526444 j 4 5306 I + Transactions 5255.99 I New Balance 5227.62 (TRANSACTfONS PAYMENTS, CREDITS lt ADIUSTMENTS FOR ME)ANY RASA ¹7 7 29 03 IAN CAPUAI ONE ONLINE PYMTAuthDate 03.IAN TRANSACTIONS FOR MEIANY BASA ¹7729 14 DEC TOGO'5 EATERY IIISTAPAltSANIOSICA 2 17 DEC IA CUEVA MEX GRILISAPATOGACA 3 19 DEC PANDAEXPRESS¹633SANTACIAkACA 4 11)AN TARGET 00019273SAN IOSECA 5 111AN HSM¹194)ANIOSECA 6 11)AN THE SPOT DOWNTOWII CAMPOHIPBELLCA I 11 1AN THE SPOT 00)NNTOWtl CAMPCAMPBLILCA 8 I) IAN IUCKY¹758SANIOSESANiOSECA 9 121AN BANtl CUON TAY HO 8)AN IOSECA 10 12IAN )RADERIOES¹063 OPSMN10)ECA 12)AN SHELLOIL574445954095ANIOSECA Toed im many Base ¹7729 ('t)G4 44) 17 33 '19 79 '114 31 '14 34 17 57 1131 00 120 00 18 29 '17 88 'fl 5 46 13002 8255.99 8255 99 )0402G Always at your service... P) 1 your b 0 onlrre and tale advantage of 0 r se 4 td oR er on 0 e ric )emcee I,,. jCard replacement Travel notification )ori min www.capiialone.Loni le lake ac)ant gc of these and other on ttego services INTEREST CHARGE CALCUlATION Your Annus) Percentage Aate (APAI a the annual rnrerest ate ort your account. A eall'erm tage 9 la es bj nt Rat IAPRf I t e t fmte Transa«trons cont nue on page 2 Pu chases 2490'I P 514487 r)shAd a ces 249IPAP 5000 p LIM va able Rate see reverse of page I for dele la Si06 50 00 PLEASE RETURN PORTION BELOW WITH PAYMENT Olt LOG ON TO IIIMIW CAPITALONE COM TO MAKE YOUR PAYMENT ONUNE. 1 7729 16 O227620264460025002 ~8~&i~~ 0 oue oats Feb 11, 201 4 Account endmg in 7729 New Balance M Pay t Amount Enclos d S227 02 525.00 I I7 PLEASE PAY AI LFAST THIS AMOUNT TAKE CONTROL OF YOUR FINANCES Lck uu narasey urecmurtoei i c i tei eco HE)ANY BASA u')00 THE Ilooos OR ApT 1729 SAN JOSE CA '15131-38ko C 0 C I 0 8 I (USA) N.A. P.O. 8 G05'i'I City f I d c y ~ cs ')17)k"0599 IO, CI-) PUOM make rfxrlrs payabe to canml one Bank (Us Aj N A wd nml m th the mupon 0 )he endosmi envdope 048 Ou 83 ~P 0 y 0 I ~Co«'ll' IBnAtllltydlri 15850 8« "dy A 5 D lyBI I ddt d 'It 0«W 3 tvvRm I dlid 0 d Apy ly «8 ly pl « lop' 0 .'O8 30185 I i I I Ol 018413tl 0285 up 10 PD 8» 30185 Cl y, Vl 541300285 APRt 3 P 0 8 I y APBi il OB 3 A 03 I 0310 PO 8 3D285 Oy 0 8 O00185 0 Changing Address? Address fdonye Phone Alternate Phone E mail Address Qa o 8 Not quite ready to make payments online? No problem Follow these simple steps to make sure we pro& ess your payment smoothly 'ont staple or paper dip your rank to If c odymclit shp . ur: surr: to usc tte payment envelope that came w th youl statemr nt Us np 0 ckffeicrtr envelope roulo'eity procel: nu Pe ise don t include any additional concsponde ice Last tiur not leyst, b" sure to vynte the lest four diotts of your account number on your check 049 ~fR+~a Take Control with Online Statements Managing your account online is easy: Check your balance and view recent activity 'iew and print copies of past statements 'ay your bill online Sign up au www.capitalone.corn 4- g~emrone. Page2of 2 CustomerBmvicet~ www.capitalona.corn Dec 15 - ian. 14, 2014 31 Days rn Billing Cycle Platinum MaatarCard NEW BAlANCE $227.62 MtNIMUM PAYMENT 5252M Account ending in 7729 DUE DATE Feb 11,2014 Credn Umit A aiabte Credn. Cash Ad ance Credit Umn. Ave labia Credn Ior Cash Advances: $ 300.001 $ 72 30 $ 150.00 $ 72 38 Previous Balance nsi oi I Paynients and Credits $ 264 44 Fees and Interest Charged $306 Transauions New Balance S255 99 I = $227.62 fTRANSACTIONS CONTINUED FEES Total Fees Tbs Pared $ 000 INTERESICHARGED INTEREST CHAIIGE PURCHASES Total inta est Thn Penod TOTAIS YEAR To DATE $3 06 $306 TotaIFees The Year $ 0 00 Tutal Inta est Tlm Yea $ 306 rmponancNotce'Yo aeenrolied ~ Autopsy Yo selcterlpaymentoi$3500 wlr hedebtedfromyourbankaccounionyo rD eDate Ifyo rpayment stessthanihe Minimum Amount Due, you will need to make an add tion el payment of the d fference between the two amounts If yo r payment s more than the Current Balance on your Due Date, only the Currenr Balance wiff be deb ted 050 Platinum Mastaroard NEW BALANCE $93.15 MINIMUIN PAYMENT $25.00 Page 1 of 2 Customer Smvice I JSRSBIC43(i37 www.capitalona.corn Account ending in 4925 DUE DATE Mar11,2014 Ian. 15 - Feb. 14, 2014 31 Days in Billing Cycle ) MINIMUM pAYMENTWARNINB; aywmakeotylhemrwnunparnxmeachtenodyw ms psy mxe in intwest and it we lake you longer Io pay di yaur Nance. Foraxamph payment Amount Each period If No Approximate 7ime to pay off Estimaled Additional Charges Are Made Statement Balance Total Cost s~.) l s O you would rke inronnaton aboutdwfr cwnsdng asnscss, oat Iaaaasaaass ! Credit Umit. $300 00 Available Credit: $206.85 rrsror PAYAT LIASr THIS AMOUNT Cash Advance Credit Limit: $ 150.00 Available Credit for Cash Advances: $ 150.00 LA7EpAYMENTWARNING; Sxodonolmodmnwrm6munpanrwub/yourduedale, pm may have Io pay a bhieeof raro $3500 and trxrApns may tw measruup Iolhe Panaty APR of 29 47/ Previous Balance Payments and Credits Fees and Interest Charged Transadions New Balance $227.62 j ( $ 166.36 f + ( $1.91 J e $2998 = I $93'15 (TRANSACTIONS J PAYMENTS, CREDITS & ADIUSTINENTS FOR MEIANY BASA ¹492S I I I IAN PURCHASE ADIUSTMENT 2 11 IAH INTEREST CHARGE ADIUSTMENT 3 11 FEB CAPITAL ONE AUTOPAY PYMTAuthDate 23.IAN TRANSACTfONS FOR MEIANY BASA ¹4925 TRANSACTfONS FOR MEIANY RASA ¹7729 I 16 IAN SAFEWAY STORE00009191SARATQGACA 2 16 IAN CVS PHARMACY ¹9834SARATOGACA 3 18)AN DAVE & BUSTERS r/24MILPITASCA Total for Melany Base 07729 W TolalT~Thiseedod FEES Total Fees This Penod Transactions continue on page 2 ($ 131.00) ($0.36) (535 00) 14.00 $ 15.53 $ 10 45 $29.98 $29.98 $0 00 Image Card ... letting mU show through. s Imag Car Create your Own persona) masterpiece. )Usl vlslt capitalone.corn/imagecard. 300012 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annuaf mterest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Purchases 2490% P Sgo 50, $ 1.91 Cash Advances 24 90% P $000 I $ 000 PLDF - Vanable Rate. See reverse of page I for detafs PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO NIVNN.CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE. ~~~mt e- Due Date Mar 11, 2014 Account ending in 4925 New Balance Minimum Payment $9315 $25 00 PLEASE PAYAT LEAST THIS AMOUNT Amount Enclosed 4925 1/ 009315003500002500$ GREEN FACT! 1 tree can be saved for every $ 3 people that go paperiess. Sign up at www.capitafono.corn xoooos NELANY RASA nul30 THE IJOODS DR APT 172k SAN JOSE. CA 95131*-3840 Capital One Bank (USA). N.A. P.O. Box 40599 City of Industry. CA 91714-0599 i " lli " lli'illll Il till'I n lil I ' " ill » I " ii li 'lillill Please mdre chedcs payable to Capttaj One Bank (USA), N A and immi wth ihrs coupon in the endcaad envelope. 051 tytg 14 How m I Avoid pavi a Interest Cha assi Each th yo pey y r 'New Balance' full, you wtl ha e a nm m grace pe od of 25 days wtth w teest hage on agnew H puchasex 21bal mt mfeo, 3)spanal puchaet nd4lorher &beget Hyoutm e been paymgy u awoum nf ltwthno nterestchargesappledandyou d notpayyournextbrg nfuy,poratednteestchages Bbeassessed,Theennogmc pe odonmsh dvancm, speoaltransfes,orananynewtra 7 non he three n padbalancefmmaprewousbr)L Hav i th I I t ch e PPRerb I teest charges acuue lorn the I) dale of the transacaon, 21 date the t a sacr an n processed or 3) tinw mlendar day oi the b Itrng penod. Interest chmges a&Due on euary unpard amount untl I &paid nl il Tham ans you may owe rnte est charges e e fyou paythe enbm 'New Balance'one month, butrldnotdosofo thepe usmonth Unpadrntetestchargesareaddedtothep pe segmentofyourAccount Ho er, we esewe the rght to not amma interestcharges rany bme. Do yo esse a Mi I m I t m ch & Yer A mrnimum INTERE5T cHARGEof 5050wiHbe msessed lorna&8 bgngpe orlyouraccountasubledtoanmt estcharge. How do you calculate the I t «t ch I We u e a m th d called Average Daly Balance (ndurh 8 new transadons) Underthb ethodwef etc I 1st yourdalybalance foreachsegmenL Iltakelhebeginnrngbatance and add t a sado s and Ih pedodc nicest dw ge on ttte p evovs day's balance, then 2) subuad any payments and crerlts for that segmenra fthat day The resultnthe daily balance for each segment However, bayou pa 4 yo r pr us ma th's balance rn fog fo sfyaur tmiance 4\&moore credn amount), new lransacuoru which post toyourp whamorspeoalpudamsegments en taddedtothedarlybalancesAtm lansactmnsthataresublectto ga&epei d n tadd dtothedalybalances. Next,tofmdyourAverageDatyBatan&e 1)addthedalybalancesrogcthe fo sad segment,and 2)dvdethesutnby the numbe of days in the b 6 ng cyde. Aitheendofeachbrgngcyde dmrmneyourlnterestChargeasfotlo 1.1)mhrpfyyou&AuerageDariygabnce bythedarlypenodcrateiApRdvdedby365)forthatsegme t,a d2)m ibplytheresultbythenumbetofdaye nthe bri ng pe rod NOTE Due to dng or m mum rntetest charge, &ha calculation may vaty fmm the intetest charge acruagy a&sewed How ca myv~vbr A Ip « t rt t (APRI«bangeIYourAPilmayi c aseordeoeambasedano e ofth foll w gwp ned ndces (eportedrnyhewali5feet&own il Iogndwhrch ndexfsumdforyoura&munt, looklo alenercodeo thefont ilh statementnemtoyourAPII(s).Thenchecklh t bl b lo Cod new to your APR( ) P I Ho do ml late your APAts)l Index+ merginfpre lo lydlscl s dtoy ) pnme Rate I magrn 3 month LIBDR+ g ~ Pr me Rale + g I month LIIIO il I margin Wle yo APBM w II change The I rst day of the Ng ng pened that endmlan Aprl luly andbd The fi st day of each monrhly bbrng pe d Ae thew~ «adated with my am ti Yes, d 4 c c mstances,you maybe rremeda iateorRet edP,y emb Y y I b assesed0eimtfees fpe Itedbyla We ese Ihe ghtto ot ssesslees &hour paw tm and wtho I amngou «ghttoassessasi lml late paynga a nor e hcahnlebi t d gC st merser ce omotethan45d ye he thetmtd y nth bb g cyd oeedby lb&sr I tto q stthatwecloseyo amout To odpyng m rhly nmbedhpfee. c tact C \rome Se ce a»trna t eq est th t e to ay acmunl, and xe wit stop assewng yo r monthly me rb hpt Ho ca I ~ac) Y can o tactCustomer5erviceanyt eto eq tthat«l you co rt At ihart e lie pl y ddmon let psroadoutclosue, &lud gbalanepaydownnfomatonwdtmebms Ple se otethar fyoumey oedt ador hargesposttoyou acme t fr y k stud t, ecankeepyou amov I p Wb th pp sif yA» ««4 4'IIVemaycloseo I spendyou acco nlandyournghtloobt noedt ataybmeandto ayea .ee lyu ti dbitAmo tssp wu canbepe aet t p aqg ym ao I I 4 \ spended you must I) sop usmg yo «edl md and acmunt, 21 cancel ab automaec pay et,3ldestoyallcredtcaels ndacms h k., d4)oy liamo tsyouoweuxeven I&hey eechmgd H d IMakePayment Al yt,y aypaythemmmumpay enr.th tort p db lane,m yam I L I p imerrs aybe marte se e I ys HO I eby, gr pt I e«nandloggngmtoyou amo 2) cl phon vmceRespo se)ystmbydal q1.800.955.70)oa dfono gibe p pre whe &o akea pho epaym tth«gh Ace espomeswtemyoua rhoueusl I r A&H reiectoncpayrnentthalwig b d btdh yo b- k m m F dsm ybe thda nfomyou 6 kacm tm o sth s 4 y e 3)Cab go r lepho e te 18003557070andpo dngyour nfo etio t o «p gp I t bynalsho Idbe e troth ml g dd p 4 d nth 6 ttompr lo ofrhostate e t When igyouw dnnl pa m t. .F ro Ineorove Ihephone.asofthebunnessdaywereceive t,aslongastheyawmadeby5p,m ET. For mailed paymenH, as of Ihe b s nes\ day we recei e t, as long as. I) you send the bobom pon on ot rhu staternentandyourcheckrntheenclosed reniinanceenvelope and 21 you payment s racer edm one ofo process ng ce tem by 5 p m. local dme. Pleace allo v at least 17) b ness days fo ma I del ve0. Mailed payme b ecewedbyusatanyotherlocatio orrn y the&for maynotbeoedledasoflheday e receive them Do y u Procem Paper Checb as an Elertronrc Funds T ansferi Payments w 0 be processed i one of two ways: Wh n yo ptouide a &heck or check nform atro n lo make a payment, you authoate us or our agenu to use the nfomato to makes eumeACHbanmcto othe etectomcfundvansferhomyourdeposaaccou r Wemay al\o use the info rmatmn to prom as the payment as a check transact on what if I Ble Mr ~gankru t . If you are enaUed to bankruptcy protemon, this commun&cation ls for nformarion only.Itrsnotananempttomgect,amessorremveradebtordarm DonotsenducpaymenU ithoutspeahngwrth you banhuptcy attorney or the Bank uptcy Coun 8 you or your anomey wo Id hke to contact our bank uptcy da ms sewicerrl edty,pleasecontad CaptalOne Pbbo 30285 SakIakeCty,UT841300285 Bl UHGIIIGHTSSUMtiMRY (Do sw rApplxlo5 agdus essdccounts) What To Do li You Think You Hnd A Mistake 0 You Stateme I If you th k there 8 an error on your statement,wrtte to us at: Capital One P 0. Box 30285 Salt lake City, UT 84130.0285 Inyourlettex 0 e s the fogomng tnfo mat on I« t I t Yo nameandacu mamba, . Ooyar amount The dollar an ount of the suspeded errot DescnotonofPoblem.liyouthnktheenanerm onyombtl,desorbewhatyoubelee s rongaM hyy u believe n 4 a mntake Youmustcontaduswthn60daysahertheeuo appeaedo you statement You must notify s of any potent at enorsi ~ vrrtng You may call us o nolly us electron cally, but I you do we as n I equ edtomeslig t a yp raw I m dy yh et p ylh nt q aston Wewrilnotfyyou rnwnd g ithin30daysofa mecmpt fyourl ner Whrlewe n estgatewheth o tthmehmb no&thef 0 g e ~ 4 vlemnnottrytocogedthemov tmquesuo,om&ponyoua del que to Ih ta o I The charge q est nmayr manonyou state e t,a dw maycortn et chageyou I resto thatamou I But, twedetermneihatwe ade mstak,youwb orha etopaylheamou I nq est«a ymreeto oih fe s latedt thatam Whrle you do t h e I pay th I n qt.e ton unul e d you oac bo t the tmme I o nvestgatmn,youare espo sbleforthe emande ofyourbelance Wecanapplyany pwdam taga styo «edtimt Wttnngorlaysofoureceptofyoulette& e ilsendyoua nte nobceemt n ge:bethel econectdlhe m«froapp y n rstat e t)mthe 4\on bale eth bb m KI Y u Mght Ifv A D tifi dVAthyo CmdlC dP wh Ify dsmt ted II theqmxlso swcesthatyouhavep rebated vthyouroedtcwd.a dyouhavemed ngoodfathroco edthep ble Ih the ada t y yh rh ghrnmtop yth ma gem td th p wham Tous Iha qht,rhe I go ngm tibet e 1)You sth smy «dt dto thep nb e P has ad rh h 4 rcesfmmanATMo Iha check that accemes youroedu cwd azo I do not qual fy, a d 2)Yo m tnotyetha el Byp dfortheo Hase gay of lb ote ab t dy msbbdm tag 4 thth ch, I d ! n I gat Cap rat One P 0 Box30285 Salt iak Oty, UI II4130 0285 Whl vm wvesegate. Ihe m e les sonly lo rle msp ted r o I as rlscms d above Aire«e»wh o& n est get on, w Bt 6 y un decmon At that pont, riwe thnkyo o an amo nt and you do not pay ve ay repen you as del nquenr Captalbnesuppons nlotrraronp awe&ore&or &ceo websrteatww captalo e m 02011C ptalOne Captalon afedemlly eqoteedse ce ak AH ght et ed LTOOB I 030/11 Changing Address? Address ........... Home Phone . A ternate Phone . E-)1)ail Address ..... P)case piint address r&r phone number above using blue or b)dck ink Not quite ready to make payments onlinet Na problem. Fc)liow these simple steps tc) make sure we process your payment smoothly: Don't staple ar paper clip your check tb the payment slip'e sure to uhe the payment envelope that came with your tatement Using a differenl envelope could delay prace::ing ~ Please don't include any additional correspondence. Last bu. n&bt least, be sure tb wnte the last four digits of your account number on your check 052 Page2of 2 Customer Bmvtce1~7 www.capitalone.corn Ian. 15- Feb. 14, 2014 31 Days in Billing Cycle Platinum MasterCerd NEW BALANCE $93.15 MINIMUM PAYMENT $25.00 Account ending in 4925 DUE DATE Mar 11, 201 4 Credit Limit: $300.00 Available Credit; $206.B5 Cash Advance Credit Umit: $ 1 50.00 Available Credit for Cash Advances: M 50.00 Previous Balance $227.62+ Payments and Credits$166.36 Fees and Interest Charged Transactions New Balance+ i $29.98 ) - ( $9315 j I TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE. PURCHASES Total Interest This Penod $ 1.91 $ 1 91 TOTALS YEAR TO DATE Total Fees This Year Totailnterest This Year $000 $4 61 Check this out - lust a quick reminder that your account number has changed. So acrivate your card, and if you'e set up automatic payments vrith any merchants or utilioes, be sure to give them your new number That way, your Capital One arri will continue to automatically pay your bills, and you wilt continue to save time and money As always, thanks for choosing Capital One "Important Notice*You are enrolled m AutoPay Your selected payment of $ 35 00 wilt be debited from your bank account on your Due Date. If your payment is less than the Minimum Amount Due, you will need to make an additional payment of the difference between the two amounts If your payment is more ihan the Current Balance on your Due Date, only the Current Balance wilt be debaed 053 Platinum MasleCard NEW BALANCE $186.12 MINIMUM PAYMENT $25.00 Page I of 2 CustommSewice fngkkgOE0607 www.capita)one.corn Account ending in 4925 DUE DATE Apr 11, 201 4 Feb. 15- Mar.14, 2014 28 Days in Billing Cycle MINIMUM pAYMENT wARNIN6: Ifycu man offytbe nwimunr panrwteacb perkxt nxr via pair rrnre h lntennl amf It Ua lake psU IMEJEMO par ca nor Inknce. Fwufnpkr'ayment Amount Each Period If No Approximate Time to Pay off Estimated Additional Charges Are Made statement Balance Total Cost m Iumm I UM fts) If you woukr Iitw inhxnarion stout credt counserru savkes, mll I nnaaksaoss Credit Umit: $300.00 Available Credit: $ 113 88 PLEASE PAYAT LEAST THIS AMOUNT lATE pAY MENT WARN INN If we do not nxove rnur mmmum pennant by your due date. C hAdvanceCred'tL'rn't: $ 15000as Pensty APR ef Eg.nry/ Available Credit for Cash Advances: $ 113 88 Previous Balance Payments and Credits $9315 j - ( $ 3771 + Fees and Interest Charged Transactions/ $128A2 New Balance I ~TRANSACTIONS PAYMENTS, CREDITS Ik ADJUSTMENTS FDR MEIANY BASA AE4925 I 21 FEB Transaction Grare PerrodCredrt2» MAR CAPITAL ONE AUTOPAY PYMTAuthDate 11-FEB TRANSACTIONS FOR MELANY BASA d4925 I 08 MAR BJS RESTAUIIANTS 429SAN IOSFCA 2 08 MAR LUCKY 4'763 SAN iOSESAN JOSECA 3 08 MAR KIENZO SUSHISAN IOSECA 4 09MARJAMBA JUICE /71009SANiOSECA 5 10 MAR WESTGATE CAR WASHSARAIOGACA Total for Melany Base Bneaf W TotalT~TIAsperiod FEES Trrral I-ees This Perrod INTEREST CHARGED Transactions contmue on page 2 02 71) ($35 00) $ 44 78 $49 47 $ 17,89 $8 78 $8 00 $128.42 $128A2 $0 00 100026 Always at your service... Pay your b'll onlme and take advantage of these and other on the-go servtces. Capital One text messaging c'msxfaagorre ~ Card replacement ~ Travel notification Log mto www capita)one.corn to take arJv mage of these and other 00.(ne-go SerwCOS 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 ChargeRate(APR) Interest Rate Purchases 2490% P $ 11814 $2 26 Cash Advances 24 90% P $ 0. 00 $000 p L D F =- Vanable Rate. See reverse of page I for detaris PLEASE RETURN PORTION BELOW WIT» PAYMENT OR LOG ON TO WVVW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 4925 14 01 851 20035000025002 Cspitay e Account ending in 4925 Due Date New Balance Minimum Payment Amount Enclosed Apr11,2014 J [ $186.12; $25.00 PLEASE PAY AT LEASI THIS AMOUNT K Go GREEN. SAVE GREEN! Pay online and save money on stamps. Sign up at www rapimlone mm 40OOOS MELANY BASA O'Itic THE EIOODS DR APT 172k SAN JOSE. CA 9513I*-38tD Capital One Bank IUSAI, N.A. PE 0. Box t05'i9 City of Industry. CA 91716-059'I i " ltl I'III'III'I il » ilti fili" tl " illiil » » li 'iitlill Please make checks payable to capaal one Bank (UBA), N A and mal wsh thIs coupon. 054 How I A id I'avina Interest Chanlesl Ead m th you pay your "Ne Babn ' 8, you will have a rnn am gmce penod f 25 4 y rh n ntmest charge on all new I) p ch ses, 2) balance transfeu, 3) speo I porches s d 4) othe cbatges 9 you ha e be paykg you account rn full w Ih no rnierest d a gee appl ed end you do not pay yo r ne I b 8 n ful, p orated rnte e t chmges rv 9 be amarmd The e rs no grace period on cash ad ances. speoalt sleworananynewtramaumn hentherenanunpaidbalancefromapr ~iombg. Now is the lm est charac appliedy Inta est chaees amma from the 7) date of the t anmcbon, 2) date the tramacbon 9 processed or 3) fi 0 mt ndar day of the b Ring penod. Intmest chatges acoue on eveq unpmd amo nt unbl t is pad tn fug, This means you may owe nterest d orget even I you pay the enure 'New Balance'ne momh, but drd not do so fo Ib p I s month Unpard rnteresr charges are added to the propet segment of your Amo I Ho e r. esemethenghltonotassess ntmest hargesatanyume Da you assemagg I I t web Yes AmnimumlNTEREsicHARGEof5050vnlibeas!essed foreach brgtng permd your account n s bj D to an teresr charge. Ho do yo 6 Ic late the Intere~st Cha 7 We use a method caged Average D ily 8 lance (ndudng new uwsamons) Under ths elhod, we frsr cafe late your darly balance. lot each segment, I) take the beynnmg balance and add m new named o s and the penodrc Inta mt chmge the prevmus day's balance, then 21 1 blmd any payments and credas forth I segment as of that day The esuhis the d ily balance for each segment. Howevel, 9 you padyourpre o smonlh'sbalanceinfull(o tfyou balano.wascemoracredtamount),newtransanionswhrchpost to yo r p chase or speual pard ase segmenH are not added to the daily balancex Afsa, tranmn ons thats e subfehto a grace pe od are not added to the de ly balances. Nexr,tofindyourAvemgeDalyBal ce 1)add thedalybalancestogetherforeachsegment,and 2)dl deth s mby then mbet fdaysinthebrllngqde, At the end of each bill ng cyde, we determine you interest Charge as follows. I) molt&ply your Avemge Oa ly Balance by the darly penodrc r te (ApR mv dad by 365i for that segment, and 2) mult ply the result by then mber of days m the b 9 ng penod NOTE. Due to rounding ore mrnrmum nterest charge, this calculation may vary from the inta est chatge aueady assessed Hnw «an my ~vs bl A I P « t A t IAPR) «hange You Aw may rncrease or deocare bawd one otthefogowrng eponedndces (eponednyhew lisle tf u 0 Tolndwhrd ndexnusedforyouraccount, lookforalenercodeo thefo tofthssrateme tnexttoyourAPR(s) Thencheckthelablebelow; Code next lo your APR() Ho d calculateyourAPR(sly Index+ ma gi (p I uslydis losedto you) P me Rate I ma gin 3 month UBOR + margin p we nate + marg ~ anth UBOR I. marmn When your APR(s) wril ch ge The I rsl day of the ixg ng per ods th I end la,Apni,luly,and DD Thefutd y feach monthly bigrnq parred. Are the e ~E ou ted with my cou t Yes, under cenein oro msm ces. y u may b assessed a I teorRet n dPaymentfee Yo ayalsobeassemedOvel ~ I esifpermttedbylaw Werese cthe ghlt ot assessfeet tho rp Ice and wlhoutw goo ghttoa sew asimlar isolate. H IA dMembmm~hr f e 79aRe evalNotceapi I do thefo tolthnstatement youmayavod p yng ImembeohpfeebycontaongCus\ommsewkeno mmeth n45 days ah rthelastd y the bgmg cycle co eedbythn 11 tlo q estthatwedmeyou acco 1 Toavmdpayrng amonthiym b shple, t ct C 9 m Senece any&we 1 eq mt that we &lose you a&cou I, d e II stop amesnng yo m thly me beuh pie H cant~ LTYo mncontactCustomerfervrce ytmetor quesilhatwedoseyou acm nl At trots e, e'f pla any ddmoelslepst mo tds,mddngbalamepaydownnfomatonandlmelrnes. Pleasenotethal fyo useyo «drr dorchagesposttoyou a&uuntafte yo askustodose t, k py a«aunt open wh th ppens fmy '"" c«dervvle ay I ormspendya rac«ou ta dyour ghttooblancredt ar y b, dim any a o . e e fyou e nor n default Acount suspe sr an be pe m ant ortemporaw. If yuu amon t s losed orsuspenderl ye un Osr p ~ s g you oede cad and accou t, 2) m eel ad automeuc py ew3)d toyallcredtmdsad ce chc4,and4)payadamo tsyo e s, vnftheyweechaged alta rheawou I sclosedo wsne ded. 8 d Im~akepa ent IAI ytmey maypayrhemr mpaymet,thetotai npadbalance,m ny m I l)01 ebygo gl mpraloneco andi gg g I y ace unl, Zr Telephon voce Resn sesy I bydal g I.B00.955.7070a dfogo gthevocepompb whe yo k a prt nepay e tthtougho oce capo sesyst,y th eml ~ nrmteanAcllo electm cp ym tthalwg bed btedf nyo b k m nr F dsm ybe thdmw fto you 6 kmto tassoonasthesa eday 3)Calbngo tlephone b 18009557070adpo dngyurrnfomatoat ourrepresenlalve, 4)Pay e I hy, I I ribes troth al q ddespo dedonthebotto pon ithsstatemenr whenvrigy c dnM p m tl F li eoroverthephone asofthebusnemdaywe eceive t aslo gmthey emadeby5pm ET For muted payments, as of the bus ness day e raceme t, as long as t)you renrl the bottom porno ofths stateme tandche&ktoth paymentaddrewonthefo tofthsstatememand2)y rpsy ent ~ recmved no r p oceming centers by5 p m local time. Please allow at leastl7) bonnets dew form Idol eo Mated pay ts recmvedbyusatanyothe to«etio o na y therfowmaynotbe mdthmas fthedaywe e&evethem. Do y u pm«m paper checks M an Ef m I F d Tm M . payme ts wg be pocessed n one of two ays Wh you pmv de a check or check rnformatron to make a payment. you autho te us o u age I toute the rnformaaon to make a one lime AcH1 a sect o o othe lect one fu ~ tmmf rftom your deposrtazount we may alsousethe nfmmatontoprocessrhepaymentasacheckuansacron What sfl Die for ~gaul&a I I If you are entded to bankr prey pratecaon rhn communicatio is for i I mati only itrsnetenalternpttomded amemorreco eradehtordam Donates duspaymentswehoutspeakingwth your banhuptcy anomey o the Bank uptcy Coun N you or you arlorney would lrke to mntact our bank uptcy de ms ewce d redly, please mntan Caprtal One PO Box 30285 Salt Mke Oty. UT 84730 0285 BIIUNG RIGHTS SUMMARY (Does Nm APPly to 5 if Bus e s Acwu rs) What To Do If You Think You Nnd A Mistake on You statement. If you thmk thee 8 an error on your statement,w telo us at. Capital One P.O. Bax 30Z8 5 5all lake Qly, UT 84130.0285 In your tetra, Dve us the following infmrna1 on. Ac r I I Yo nameandaco t«ntbe D 8 amo nt Thedogaramountof thesuspeoed arm Dmn»gonofyroblem gyouthnkthem s e«o y bg,de«be hatyo bale s gandwhyyou bel eve R is a istake. Youmustcontaouswthn60daysafterthe uorappeaewo yo rst lament You m \t onk us of any potent at enors a~mrna Yo ay call us m notrfy us elemonimlly. but I you do we are notrequ edtornestgatea yp tc r le osa dyo mayh t paythea o ntinquestron wewrgnoulyyou mw tmg Ihi 30daysofourrecerptofyour lena Whrlewe n estgatewheth o otthech b e anmmnrhef 8 g et e Wecannotlrytocogeathea on tmq ct, mp ny dl q t that ounl .Thechargei q et mayrmarnonymr statemen&a d e ayco I etochageyou nteesto th ta r m 8 I, Iwedetemnelhatwe ade mstawy u 0 oth tol ythe m u I nq tmno any teestorothe fees I t dt th t m Whrle you do not ha e ro pay the a 1:n quest on tul e e d y ulcc about Ihe outcome oi our estgato,youse esponsbleforthe em de ofyu bala ce Wecanapplyany p damn taga styo cmdrlmt Wthn90daysofour ecoptofyou lelten e gsendy a Iten otc e planrngmtherthatweco enedthe en (ro ppe o y «I tat ment)wthe easons abele eth bn scmreu You Rghl IIYo A oi tif dwthy c du&ed p he Ifyo aedrmatsfedwththegoodsm en cesthatyo havepurchamd ahyouroedt ad, dyo ra ted g odbthm dth p blam th the d I.y u yh eth ghta ttop yth an garno td eunthep rebate To seihn ght, Ihe folio ngm ethel e Hyo mmth e s dy u«dncadfo theo mba e P hasesmad thc shadancesfomanATMo nha check thar accesses lour&redrt ca d acco I do t q Ify, d 2)Yoummtn tyeth emgypadforthep ch se Ifadofthemt I 1 dyo aestddsma I d mteth o cha,c ntact urn rmngat CaptaiOne P O.ilo 30285 Salt lake Gty, 10 8413tl.0285 Yfhl we n estqace, tie wme les aopll lo the wp ted t m 4 cased bo Ahe e gnsh o estig ton w Rteglo on deoson Arrhatpa r. I ethnkloumex oou renrly udo roy eponyo asdel q ent CaptaiOnesuppous formalo pwacyprolet, see eb te 7 capralo co MZOIICapialo captalon safedealir coatee se cemak AR ibis ese ed IM trB I I I 3 Oil I Changing Address? Address Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: llome Phone Alternate Phone E-mali Rddiess Don't staple or paper clip your check to the payment slip Please don't include any addi(.ional correspondence. 9 last but not least, be sure to Ufyite the last four digits of your account number on your check. o)ooso Dmn( Bddress oi pqono number above using blue or black ink 055 Page 2 of 2 Customer Bnvice I 00000NT www.capltalone.corn Feb. 15 - Mar. 14, 2014 28 Days in Billing Cyde I Platinum MasterCard NEW BALANCE $1 86.12 Previous Balance MINIMUM PAYMENT $25.00 Payments and Credits Account ending in 4025 DUE DA1E April,2014 Fees and Interest Charged Credit Limit: Available Credit: Cash Advance Credit Umit: Available Credit for Cash Advances: Transactions $ 3OO.OO i $ 113.88 $ 150.00 $ 113 88 New Balance (TRANSACTIONS CONTINUED INTEREST CHARGED ICONTINUED) INTEREST CHARGE PURCHASES Total Irrterest This Pened $ 226 $2.26 TOTALS YEAR TO DATE Total Fees This Year Total interest This Year $0 00 $4 16 *Important Nouce* You are enrolled m AutoPay Your selected payment of $35 00 wrg be debited from your bank account on your Due Date If your payment is less than the Minimum Amount Due, you will need to make an additional payment of the difference between the two amounts. If your payment is more than the Current Balance on your Due Date, only the Current Balance will be debited Your Plaunum MasterCard card has new benefits. Effective I I 2014, your benefns now mdude Pnce Protecuon and identity Theft Resolution. For a full description of the new benefits and how to use them, go to capita lone corn/credit cards/benefits guide, or call the number on the back of your card to request a pnnted copy of your Guide to Benefirs. 056 Platinum MasterCard NEW BALANCE $321.18 MINIMUM PAYMENT $25.00 Page 1 of 2 Customer Benrice 140)gtch3637 www.capita(one.corn Account ending in 4925 DUE DA1E May11,2014 x Mar.15-Apr. 14, 2014 31 Days in Billing Cycle MINIMUM PAYMENT WARNING: If you make orh/Ihe au/imumgaymmt each Paied you mii psy more n iniemt end it wg take you knger topay ofl your tohnco Forexampn: payment Amount Each period If No Approximate Time to payoff Estimated Additional Charges Are Made Statement Balance Total Cost katnxmPanneni 17 Month(s) ) 3302 If 7 4 wouki Ike I'nliaiuron stxwl oedr oxlnsi4ng exwixa, oet 'I 4990200095. Credit Limit: $750.00 Available Credit: $428 82 PLEASE PAYAT LEAST iHIS AMOUNT IATEPAYMENTWAIINING: Ifwedonotieomieyourinninumlmymwrbyyourduedale, Cash Advance Credit Limit. $ 150 00 ymmbrfamupmehnfeervuptoSSSCOarriyourhpnsmayterommduptosw fhiwt/ APR ofal dy/ Available Credit for Cash Advances'. $150.00'revious Balance $ i86.12 Payments and Credits Fees and Interest Charged Transactions New Balance F I TRANSACTIONS PAYMENTS, CREDITS 5 ADIUSTMENTS FOR MElANY RASA ¹4925 I 11 APR CAPH'AL ONE AUTOPAY PYMTAuthDaie 11-MAR ($35.00) TRANSACTIONS FOR MElANY BASA ¹4925 I 24 MAR KAISER 02090447SANTA CIARACA 2 09 APR ZUMIEZ¹600 CYB01112223333KS 3 09 APR TARGET 00014274SAN IOSECA 4 09APR TRADER IOE'5 //062 QPSSANIOSECA 5 10 APR WESTGATE CAR WASHSARATOGACA 6 12APR DENNY'5¹738BSANIOMCA 7 12 APR SAN PEDRO SQUARE MSAN IQSECA Total for Mefany Base ¹4925 $ 10 00 $ 27 70 $ 40 43 $ 36.83 $ 12 00 $ 17 52 $ 21 00 $165.48 CaeitalOne )NTEREST CHARGE CALCULATION 3D0035 k Tobd Trasac6mm This Period FEES Total Fees This Penod Transactions continue on page 2 $165.48 $0 00 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 Puichases 24.90% P $216 68 $ 4 58 Cash Advances 24 90% P $0 00 $ 0 00 P,L,D,F = Venable Rate. See reverse of page I for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE ~gw~tml Due Date / May 11, 2014 7 . Account ending in 4925 New Balance Minimum Payment Amount Enclosed $321.18 $25 00 PLEASE PAYAT LEASF I HIS AMOUNT 4925 1/, 0321180035000025002 BE SAFE! n.lgold. Manage your account online and end the paper trail. HELANY BASA 4400 THE EIOODS DR APT 1724 SAN JOSE. CA 'I5131-3810 Sign up at www.capitaione.corn Capital One Bank (USA), N.A. P.o. Box !0599 City of Industry. CA 91711-05'19 400009 i " jli ill(i)Ill)I II I HI)I iti)l 'l " IIIIIIIIII'll " IIIIIIII Please make chtkks payable to Capital One Bank (USA), N A and mail wlh this coupon 057 H wee 1A aid Pa I i t t &ha es'I Ifyo pay y u statement's "New Balance" ni llbytheduedaie, e ril nor ch Me t t any new transacbons that poktto the P «h se bala ce. Ifyou have been p yng y ut acm nt nl limihnoinlerektchages bullhenyoudo otp yyournext NewBalaue'i 1 11 wewllchargernterest on the p non I lb bala catha&you drd not pay For cash ad ances a 4 sp u 1 tr si p., we wli stan chagn9 I t eslonthetansacto d te liow is the i t «I &h appiedi Internet charges scone fom the I) dale of the Iransaoon, 21 date the umn s pro&awed m 3) hr t calendar day of rhe b Iling pe od I tercet &barges acoue on e eq unpard amount untrl r! & pmd rn full. Tiiu means yo may a e rnterest charges even f you pay the anti e 'Ne l& lance'm month, butddnotdosofo chape ousmonth.Unpad toss& hagesaeaddedtothepopersegmentofyou Acmunt Howe e, srsewetherighttonotasseminteetchargesatanytme. Do you assam Mi imum in& rest~eh ei Yei A min mum INTEREsT cHAItGE of 5050 wll be asleswd foteach blhngpenod you acmu I as bieotoa ueeesida ge Ho d you ca)cur I the I temst &herse'I we use a method eel)sf Aveage Daiy imlance (rncludng new t ansamom) Unde Ibis method, we I ot calculate your da ly balance. for eaCh segme I, I) take lire beg nmng balance 4 add n ne tramauo k md th pedudic rnterest ebs ge the prevom day's balance, then 2) subtrae any pay me ts and oedra for thai sag men& m of that day The resuli s the da ly hale ce for each segment Howe er, if ym paul you p u month's balance m full (or I your balance was ze o or a credn amount), new tranmciionk wh ch post to you purchase or kpecml parchase segments e t added to the da ly balances Also, transaciions that are sub)ed lo agre ep 4 wnotaddediothedailybal ces. N t,tohndyurAveragelIaiy8alan&e1)addthedslybalacestogetherfotea&hsegment,and2)drvidelhesumby tlenumb rofdays nihebriingcyde At the end oieachbllmg cyd,we determine your Inremst Charge asfolio s I) multiply y rove age Darly Bala ce bythed lypersdcmte(APlldmdedby365)forihatsegmml, d2)mulrplythe multbylhe umberofdays nthe blhngpenod NOIE D t o ndngoramrnmumint ekt&hatge,lhscalc )alton ay aqhomthernterestchage act ally ss d Ha anmyv fbi 0 sfperceniauen te(Apfi)cha gei You ApRmay noeaseordeueasebazedono e ofihefollo rngreportedmhcez 0 ponedrn Tn wadst eeri 0 Tofndwhrchinde s wdf ymrraccsunt, lookfmaleltrcodeonthef nloflhsslaiementnvstoy rAPII(s) Thenchecklhetablebelow Code us I toys APR() P t liow do we caicuale your ApR(sli Index+ margin(pre lo lydia 1 s dtoyou) Pnme Mte i mawn 3 nihUBOR+ m g fvmeRate+ magm imonlhll90R z mag When your APRls) will change Thefmlrhy oithe bllng penodslhat ndr ~ lan, Ap I,luly, ndoo The firzl day of each mo rhlybif gpe d. Aw th dddr~assodated hh my accoune Yes, d nmn orc mstances you may be msessed a EaleorRel edP y ntfe Yo mayalsob arne ado e mtfees fpe tltedbyia wermevethe ightlo ot aszessi rh Ip o Iseanduth I a ngourrrghltoa emasimia feelater. H nl A idM b hmy asilfaile e alN tce pnntedontttefo tofthsstatement youmayavod p y ga a nual e b hpleebyco tad geuto 5 c omotetlan45dayzalterthelaslday nthebll 9 &yde &o d by th mrem tto equestihat e dose you auo t 7 a d payng a monthly embeshp fe, I ct Customs Se e anlc me to equesr thar clo e y ur account, artd II stop assessng you m rhly e bezhplee Ho m Ici smsp~lvauc contactcuzlomerser rce yt el q stthalwedozeyou aoou IAt thin e, e'lie niananyaddm 1st prtoaccounldomeml d gbaianc. paydo n fo at andtmelnes i'is sr. t thrfy seyuuroedl&adouhagmposttoyou acmut ft y skuslocioseit.wemnkeepyour acmm pn Wh th ppe Hmy~s~t We ayctose s spendyo accounla dyo r ghtt bta oedt toyt e ndfo yea, en iyouaenmr df ItAuo rsuzpemoncanbepem enrortemporaqIf yo «nt i clozedms spe 4 4 y ust li stop usmgyo oedi card and accou I, 2) a l all a tomatrc py ele,3)deztoyalloedtcedsandacccszrh M d4jpyallamounlsyour us,e ftheywerechaged afte th a co at zsd ted mp d d Ho dolbl k P ts At nyt e,you naypaythem mu p y e I,that 1st padhala ce,o nya o t n PI enls aib madernseveat ay 1)o e ebiqmnglo v capt,lo a dloggng ntoyou«o nt, 2)'elcpho &I c R ponseSystembydal g18009557070a dfoll gth pompts Whenyou ak a pho spy e llho ghou oce esp nw yt m youauliorzemto taleanACHo elemomp y ttlat b debledio y b kate IF dk ayl thdmwnho you b k c ta wosaztlesa eday e rrm wy urnay enl. gnwr I nio nub 18009557070 dpo dngyour nfo auo I u pose larva, 4rp i. * I by elzho Idb it themalngadde»p d donth hullo porno oithsttat ment Whe illy uCmdhMYPavmentt F ronlineoroverthephone.as fth b day e c ve t,aslo gastheyaemarleby5pm.ET Fo maledpayments.as flhebusnessdaywerecovert,asionqas. 1)yo lendiheboltompononofths sraiemeniandcherktolhep yme I dd as on tie bontoflhsstaiementand2)yourpaymentis e&evedin our p oceksng centers by 5 pm. local trna Please allo at I estd) b s ness days fot maldelrvew Mv led paymenrs recervedbyusata yolberlocalionmrnanyotherformmaynotbeoedtedarofthedaywerecervethem. Do you Procem Paper Ch cb Elect o ic Fu dk Transfer) Payments will be procemM m one of two ways Whenyouprovrdea&hecko checkinformatontomakeapayment,youauthonzeusor u agentstousethe information to make a one time AcH I ansao on or other alcoran c fund I a sfet I os yo r deposnsccoum we may aliouzethe fomausntopmcessihepayme iasachecktransaman what if I file for ~fiankru I . Ii you are smiled to bankn ptcy p otemo, thrs commirnrcaton is for infor etio only I&re notanattempttocolleo assess co e ad btmdarm Donoisenduspay entswnhoutspealdng&vth you bankruptcy an mayo the Bankmptcy coun ifyou o you atro nay o Idlrke &scented our ha k uptcydaims senrcerdueoiy,pleaseconlau capralo s poBox30285 saltmk Gty.UT84130.0285 BIMINGiiiGHTs 5UMMMIY (D N t Apply to smad Busmessaccounrs) What To Do If You 7Mnk Yau Nnd A sr)stake On Your Statement: Il you ihrnk there s an error on your statement,wnie io us at. Cap tr I One P.O Box 30285 Salt I ke Gly, UT IM130 0285 In your lette, gwe s the Mliowtng niormatio . Acmunt informal on Your name and acco nt n mber. ooilaramount Thedolla amountafthesmpmed « Deurtotmn of p obiem: If you thnkth e sane cur on you hill, desorbe what you balms 9 and why you beleve tisamsmke Voumustconraeus thn60days Itrtheerorappeamdon)ourstare et Voumust otly sofa ypolentolerrors wtrt Yo maycail sornotiyuselectroncaily,butfyoudoweare not equuedlo n estgateanypote tel erorsandyoumayhavetopayth t nqueston Wewrlinolfyyou m thin 30 days of our recerpt of your l etre Whrle we overt gate hath o notthe e lras beenan enor, the folln ng stow .Wemnnoilotocollotheamo \ q eton,otreponyouasdeh qua ton&hi The&barge q estonmaytemm o yo st te I, dw mayc nun el chageyou least nthatamou I Bt, I vedelerrnmelhal ade tak,yo fin lie elopaytheamoul q I nymemstorolher I es el ted co that amount Whley ado th et p y the amount n questro u ti e se dy u oac about theo Immeof our mestnat &lo me erpo sbl forth ma 4 fy bala c Wecanapplyany ~ padamou tagamtyou 0 drl Wlhn90dawofo c pt fy lett, llsendyo awnttennoueepl gethe thai eco ecledlhe emitoappeao yo nesstale ent)o theres ebeh th bll You Rght IfYo Ar Dss tiiedvwthvo &educ dp uh Ify edssatsfredwlhthegoodkot m ce thtyo haepuchased,lhiou& dtmd,andyn haetaedngmdiathl «oth p bie th Ihemecha I yo m yhaethenght olt p yihe e g td rh p shake Tausethraght the Illosngmustbel e UYau usthae iedyo oedtcardfo Ihepmhem P ch s d th sh darceifoma RiMa wtha checktharauesiesyo 0 rlrmd « Ido otquaify.and 2)V m In tyetta emnypadfmtherwshase Ifalioflheotea b eaemtandiouaestlidu isied ~ chrh, uhr,c «acus n nbgal Caprlal One PO Bo 30285 Salllskeory UTB41300285 Wtrl e mezbgme. the w wl only I Ih dsp t d amo I a\ ds& z\ed br e Aire e fnzh our tg I, lllellyouo d. &son@ rhatpo t, 1 ri kyo 0 eanamou rmdyozd rp y y mpo Iiou m der tive I captaionesupp ns I er p emor r sc o buteatmmcaptaro em G2011c pr io * caplalon u iede any g r e zo e ak Allughl ek wed ETC 08 11/30(11 Changing Address? Not quite ready to make payments online? Address No problem. Fol ow these simple steps to make sure we process your payment smoothly: llome Phone Alternate Phone E-mal ) Address 0 Don't staple or paper clip your check to the payment slip 0 Please don't include any additional correspondence 'ast but not least, be sure to vinte the last four digits of your account number on your check Please prie( address or phone numbor above using blue or black iok 058 Page2of 2 Customer Bmvicet~ www.capitaione.corn Mar. 15 - Apr. 14, 2014 31 Days in Billing Cycle Platinum MasterCard NEkg BALANCE $321.18 MINIMUM PAYMENT 825.00 Account ending in 4925 DUE DATE May11,2014 Credit Limit Available Credit: Cash Advance Credit Umit: Available Credit for Cash Advances: $ 750 00 $428.82 $ 15000 Previous Balance Payments and Credits $3S.BD Fees and Interest Charged + Q $4.SB j + Transactions New Balance /TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period TDTAIS YEAR TO DATE Total Fees This Year Totalinterest This Year $4 58 $4.58 $000 $8 74 *Imponant Notice'You are enrolled in AutoPay Your selected payment of $35 00 iviil be debited from your bank account on your Due Date. If your payment is less than the Minimum Amount Due, you will need to make an additional payment of the difference between the two amounts. If your payment is more than the Current Balance on your Due Date, only the Current Balance will be debited. 059 Platinum MasterCard NEW BALAN% $527.16 MINIMUM PAYMENT $25.00 Page lot 2 Customer Senrbe 1400$MIW www.capita)one.corn Account ending in 4925 DUE DATE Jun11,2014 Apr. 15- May.14, 2014 30 Days in Biging Cyde I MINIMUMpAYMENTWARNIN6: gyoumakeotrlhermxmmpaymemsadrpexodpw wf pay rncmin intwmtard it we lake ycu longer to pay oa your baunce. For exampie: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost uaimwn Papnrmt I gyouwouki like infonnaionaboutcredacounsefng senrices, call lxgs30206055. Credit Umit: $750.00 Available Credit: $222.84 PLEASE Paver LExsrrHrsAMOUNE LATEpAYMENTwARNING: ifwedo oirerwveyourm'mnumpaymmtbyyourduedste, Cash Advance Credit Limit: $ 15000 p™ylwvempayabwfeeuupnfasrnandywrapnsmaytwncreaseduptotnePrndy Apn of ggxspr Available Credit for Cash Advances: $ 150.00 Previous Balance $3» 16 L Payments and Credits Fees and Interest Charged $35 00 + I $ 11.29 Transactions New Balance r $229.69 -"( $527.16 I (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MELANY BASA dr4925 I 11 MAY CAPITAL ONE AUTOPAY PYMTAuthcate 11-APR TRANSACTIONS FOR MEIANY BASA U4925 I 13 APR SAFEWAY STORE00003160SAN JOSECA 2 14APR SOUTHWES 5262407573020800-435-9792TX Txri 5262407573020 PSGR'ASAJMELANY ROBANCHO URIC'AS, DEST SJC CARRIER WN SVC VI Total for Melany Base 64925 W To@IT~This Pmiod FEES Total Fees This Penod INTEREST CHARGED Transactions continue on page 2 1$ 35 00) $ 31 69 $ 198 00 $229.69 $229.69 $000 300020 Always at your service... Pay your bill Onime and take advantage of ihese Jnd olher on the-go services. ~ Capital One text massaging cwaxfta~lorre Card replacement ~ Travel notification ! Log Into www.capitalone.corn to take advantage of these 0 d other on-190-go serwces INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) rs the annual mterest rate on your account Annual Percentage Balance Subject to Type of Balance Interest Charge Rate lAPR) Interest Rate Purchases 24 90% P $ 551 6B $ II 29 Cash Advances 24 90% P $0 00 $000 P,L,D,F = Variable Rate See reverse of page I for deiaris PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 4925 14 0527160035000025006 Capital~. Due Date I Jun 11, 2014 $527.16 $25 00 PLEASE PAY AT LEAST THIS AMOUNT Account ending in 4925 New Balance Minimum Payment Amount Enclosed ao pApERLESS! & g The trees will thank you. Sign up ai www.capitalone.corn 7( 4000IO NELANY BASA uunn THE tiOODS DR APT 172v SAN JOSE. CA '1513t*-3ai D Capital One Bank IUSAJ N.a. P.O. Box I 059'I City of Industry CA 'i1736-0599 I" lli'iilllilllil'll'Hilil'lnli'I'll" Illnlnli'll'I'lililill Please make dtrmks payable to capsal one Bank I USA), N A and mal wgh this Lxlupop 060 How ca IA id Pa I I t met Chancel ifyou pay yours&element's 'New Babnce'in I Ilby the deeda&a we t chaee nrerest o any new transachons that post to the Pu chase balawe. If you ha e been pay ng y ur account nlull thnoi le&est&beget bmthenyoudonolpayyournext New Balance'iuli we&vgdatge nte est o rh porron of the balance that you dd not pay. Far cash ad awe&and spedal trwsfert, we ig tart chwgi g mteert nthetansartiondate. How is the I t t Ch *ppged'I Inta&mt d a ges a&m e from the I) date of the I ansart&on, 2) dale Ihe transact on s p ocested or 3) hrst calendar day of Ihe b litng period Interml charge! acrtue on every unpaid amount unr&l In pa de full This means yo may e rnterest charges even f you pay the entire 'New Balance'one month, but dd ot do W I the p ertous month Unpaid I tercet charges are added to the p opet segment of you Account Howe er, we esewe Ihe r ghl la not assam interest rha gas at any t me. Do y u am ss a Imnimum Internet Chame'I Yes A mrnrmum INTEREST CHARGE of 50 50 rig be assemed fo each bigi g periodyo racmunt be blertloan nterest ebs ge. How do you c Ic late the I te est cha ae. we use a method called Average Daily Balance lincludng new t wmon ) Under the methad, we frttcalculate your defy balance; for each segment, I) take the bea nng balance and add rn new I ansamons a d the pedadr& rntemst dlarge on the previous day's balance, then 21 subtrart any payments and oedm far that wgment as of that day The result n the daily balance fo etch mgment Ho e e, 4 yo pa 4 you pmwous month's balance rn full (or rl your balance was zero ore ere d I amo ntk new tran&aeons whxh pmr to your purchase or speoal purchase segments are not addml to the da&ly bah nces. Aim, tranmrtions thm ar s bject t a 8 ace penod are not addert to the daffy balances. Next to Indy A sage Da ly Balance l)add the duly balancestogether fot each segment and 2ld&vide the em by the number of days m the bilk ng mde Arthe d fe chblingcyd,wedetemneyourlntetestChargeasfogow\ 1)multpiyyou AveageDarlyBalance by the darly penodrc ate IAPR d dad by 385) for that segmenr, and 2) muhrpfy the result by Ihe number of days rn the bll gpedod NOTE D to o nd g tamnmuminterestchage,thiscaiculatronmayvaryfomthemte&eitchatge artuagyassess d Ho can y variable Annual p r«entaee Rata (APR) change You APR may nrteme m deueme based an e ofthefoilomng epmted dces ( ported nyhew ilsteerl il Togndwhrd mdexrtuseruo youracmunt, lookfo aictte codeonthef ntofthsstatementnexttoyo rAPR(s) Thenchecklhetablebelow. c den It APR(s) P D I How do we calculate your APR(sli index+ ma qin(prevlouslydisclosedto you) Pnme Rale i margrn 3 mo th IIBOR + ma gm Pn eRate+m gn I month HBDR + maryn WhenyourAPR() will change Theiivtdayofrhebgngpe oaf&ha& end in lan, Aprrl, luly, and Oct the I rst day of each monthly b Bmg penod. A e there 44, r r amocbted M my a couno Ym, u 4 rc nein ~ rcum tances,you may be assessed a I teo Rt M palm nile \'ayalsobeassessedOvelimefeesripe ttedbytaw we ese cthe ightt I msssbeswth rpno or&as dwthout a rngoureghttoassessanmrla feelate H I A idMe b rthioFws rlfaRene&valNotrtenpnntedo thebo tot&hest tame t,yo ay od p ynga al emb hpfeebymntartngCustomerfewcenomoreltta 45d ysattetthel td y thebll g cy1 eedbyrhrtst remen&to equestthatwe doseyouracco I Toe odpayngamo thlymernbeshp fee, co tart r t ra wee anytme to req est that vre close yours&count, d e II rtop as ew g y m mhly e bmhpf e H I d ~&To m co tac&Custo erfe iree ytmeto equestthaiwecloseyou auo nt At &hatt e, &lepra yaddm I tpstoaccontclow, clAngbalanc paydovninfo atonandtmehnes ple ore&hatfyoumeyuurcreatcado charge\posttoyou wcount fiery umku I ime I, ecankeepyour a&countope what h pp ns dmyrtcc&uurtzkf&upwdWI W m ydo cora spend ye scca ntandy r ghttoobtanrtede ata yt e di y ann, en fyo ae o\ ndefa it Amountsurpensoncanbepema en& te poraw Il yo accou I s dosed ms spe dad yo et H st pe g you crMt estd a deem n&,2)ca eel alla romare paymem3)destoyallc dtcardsandaccemchecbanda)payaliamountsyouo cures 1th y ca h g d GIte thea&&a I sdol d smpe d d H d I~Ma p tsrAI rime,youmaypaythe i mu payment,the&otal npadbalance,o yam nt bet een Payme ts ayb made se eat ways Honlnebygo gto c p&I em ~ di gg g myou acmunt 2)i lcpho v c R sponseiysrembydalmg18009557070a dfogom gthe o pa pu whenyo ak a ph nepaine tthrougho o&e esp w ysr,y u rho e to tat anACH relectmncpaymenttlatwli b 4 bidf y e ba k cco nr F dsmaybewthdaw fomyourba kaccou tassoonasthesam day e p ocess you pay e I, IIQH go t lph en br18009557070andpovidngyou nfomrttontoou«epese&t 4)pa& ensbl al h Idbe ttoth mal qaddesspo dedonlhebottompononofthssrete e I WhenwiHy C dhM P tl Fo onlneorove Ihephone,as ftheb smwsday ercei et,aslongastheyammadeby5p,m ET. . For led payment& as of&he b s ness d ywe ece air as long as. I) you rend&he bottom ponionot this statememandchecktothepaym ntadd ssonthehant fthsstatementand))you payme t srece&ved nou p ocessmg ce tep by 5 p m I elume Pleas allow al least 17) hotness days lor ma I del vew. Ma led paymenrs recerved by us at any other loca& on n any other form may n I be ed ted as ~ I th day e r ceive them Do y u Pac ss Pape Check a a Elate ic F d T«fey Payments my be processed n one of hm ays. When you pro de a eke k o check mfo mat on to make a payment, you authoaze us or our age nu to use rhe rnformauontomakeaonetmeACHuansartono othe lertonxfu dtamlerfromyo rdepmnaccou I W may alsousethei fomatontoprmemthepay ertasacheckuansactmn Wh t if I gle fo ~tb kr t lf you are enaded to bankruptcy protecrion, th» communlcadon h for infotman'on only, lt 4 net an attempt to collect ames& or recowr a debt or der rn. Do not mnd us paymena wrthout speahng with your bankruptcy attorney o &he Bank uptcy C urt H you or your atto ney would lke to conrart our bankruptq de&ms sewker drrecdy, please contart cap tal one po Bax 30285 sail lake esty, UT 84130a285 Bl&MNGRIGHTSSUMtflAIIY (Does No&Apply tog «lip s emAc&ou I) What To Do II You Think You and A Mistake 0 Vow Stateme t: Il you thi k thee is an evo on you statemenl,were to ur at Capital One PO Box30285 Salt fake Gty, UT 84130 0285 in your letter, Dve us the fallow g nformauon. Account&niorm tron Yournam andacm ntn ber ooil amount Thedoga amo nt fthesmpectederor Oe ot ofPoblm.lfy th kthee nyo bll,descrbewhatyo believes rongandwhyyou behave &isa matak». Y um stcantartus ithn80daysah rtheem appeaedanyo rstate e t Y umuslnotifyus fa yp te t I eort&~nan Youmaycalluswnotlyuselertronrcagy butifyoudowe are not equ red to mvemgate any putental errors and you may ha to pay th w nt n quest w tin Ify yo ~rnvmt&n thn30daysofou«eceprofyouriette Whriewe nvestgatewhethet ~ nottheehasbe nan n cth f il I g et e w c nottotocollecttheamo \ q ei,o r p ny ~ a dl que lo Ih remove .The&homal quesuo m y em onyo state e t,a d.vemvyconnn etochaeeyou ntemstonthatamo I 8 I, I ada&em ethatwenad I k,y Il orh atop yihe mou I nq esto o any nterestorothe feei related to thats ount . Wtnle you do nnt ha e to Dry&he a o nt n qua Ion nti e e d y a I e bo t th utm e M ou We ca apply y u pads ou t age st you red I I mt uacbn 90 day&of ur rec pt of yo r !atter, ll send y a rtw notte e pla ng othe that waco ected rite era&(ioappea o you et tate en&)mthe cato abele eth bll scmreu Your R&ghtslfYouAreDissatsfedWthyou Cr drtC dP whas liyo erlssat fed rhth god ce th ty h p rth 4 thy «edrnd a dywbr . tnel good laahtoco erttheproblemwth themerda I youmayha etherg&¬top rth e anngano Id eunthep ham To s th& ght,rhe foil g mtb I i)You us&have sedyo rtedtcadfmthep cia e Ft hase&mad Mesa d ceifm ATMm tha checkrhat ccem syo red& ad « tdo tq Idl,a d Ifagofthemre aaimearemeta dyo east&It&sat I d thth cba,co tel s C pnal One PO 8 *30285 Salt lake G&y. Uf 84130 0285 whl e n as&gate, sheen I uply &othe Grpu&M a o tat drtcussed boa nke e I nl o etgvto, firefly d«o Atth &pm r, fwethnkyo ovcanamountandyoudo mpay e ay epon yo as dei nq e I Captalenes pp rts I t p ep tern e bste I cap afo acorn G)011 Capr &One Captrale e s I demi!y gate dre emak Agnght es med ETC 08 11/30HI Changing Address? Address Not quite ready to make payments online' No problem. Fol ow these simple steps to make sure we process your payment smoothly: Home Phone Alternate Phone E-mad Address m Don't staple or paper clip your check to the payment slip e ~ Please don't include any additional cof(espondence. m Last but not least, be sure to wnte the last four digits of your account number on your check. Please pertt address ~ phone number above using blue 0& black iek 061 Page2of 2 Customer Bmvice I yhggthany www.capitalone.corn Apr. 15- May. 14, 2014 30 Days in Billing Cyde Platinum MasterCerd NEW BALANCE 6527.16 Previous Balance MINIMUM PAYMENT 525.00 Payments and Credits $35.00 Account ending in 4925 DUE DATE JUI111,2014 Fees and Interest Charged + ( $ 1i 29~ Credit limit: Available Credit: Cash Advance Credit Omit: Available Credit for Cash Advances: $ 750 00 $222.84 $ 150.00 $ 15O.DO ~ Transactions New Balance $229.69 ] - ( $527.16 j INTEREST CHARGED (CONTINUED) INTERESI'CHARGE PURCHASES Total Interest This Penod TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year $ 11.29 $ 11.29 $ 0 00 $ 20 03 *imponant Notrce You are enrolled m Autopsy Your seler ted payment oi $35 00 will be debited from your bank account on your Due Dare if your payment is less than the Minimum Amount Due, you will need to make an additional payment of the difference between the two amounts if your payment is more than the Current Balance on your Due Date, only the Current Balance will be debited. 062 Cmgmtal Platinum MaaterCard Credit Limit: $750.00 Page 1 of 3 Customer Seniicet~ www.capita(one.corn MINIMUM PAYMENT $25.00 Account ending in 4925 DUE DATE Jul 11, 2014 pLEA5E pAYAT irnsT rais Au 0 our Cash Advance Credit Limit: $ 150 00 May. 15 - Jun. 14, 2014 31 Days in Billing Cycle MINIMUM pAYMENT WARNINei yywrrekeoeytenntmumparm.ntmchpemaiou nil pay more in interest and it VII take you longer Io pay ie Yourbabnce. For exampfa Payment Amount Each Period If No Approximate Time to Pay off Estimated Additional charges Are Made Statement Balance Total Cost Niiinum Payment av~ $20 BY~ l 5 Your estimated savings it you pay off this balanm. In 3 yean: 352 If yw vxiukl lilia lnfoiinaikn atxxltouu nxnsetre xemote, od 14SIS3280055 Available Credit; $95 47 Avajtamecrmgtforc'amndvances $9547 IATEPAYMENTWARNIN0; ywedonot~vaurm6mcmpayment@yourduedate, you may have to pay a late feed up tosaam andnorApRs maybe nueased up to Iha awayAPR cf20404 Previous Balance Payments and Credits $35.00 J Fees and Interest Charged + $13.80 + Transactions $ 148.57 x New Balance $654.53 Renewal Notice - Your 07/2014 bill wilt mclude your $ 19.00 annual membership fee. The reverse of this page explains how you may close your account and avoid this fee. Both sides of this page provide important informaoon about your rate(si and how your interest charge is calculated (TRANSACTIONS I PAYMENTS, CREDITS 8 ADJUSTMENTS FOR MELANY BASA ry4925 I 11 JUN CAPITAL ONE AUTOPAY PYMTAuth Date 12-MAY 535,00& ( ~, YOU ARE HERE. WE ARE T00. Check your balance directly from your phone and View recent transactionsj & Pay your Capital Ono bill Check you'ewards balance TRANSACTIONS FOR MELANY BASA ¹4925 I 16 MAY PALOMA CAFESAN JOSECA 2 18 MAY BILLS CAFESAN JOSECA 3 18 MAY BILLS CAFESAN IOSECA '19 MAY SPROUTS FARMERS MARKETSAN IOSLCA 5 19 MAY TRADER JOBS ji062 OPSSAN JOSECA 6 20 MAY 0049 FOREVtR 21SAN IOSECA 7 28 MAY CVS PHARMACY ¹9808SAN JOSECA 8 31 MAY SQ*TREATBOT FACTORYSan JoseCA Total for Melany Baaa f4925 Transactions continue on page 2 $ 27.93 $ 6 80 $ 7. 07 $33.27 $25 47 $ 22.40 $ 17 38 $ 8 25 $148.57 300020 INTEREST CHARGE CALCULATION Your Annual Percentage Bate (APR! is the Annual Percentage TYPe of Balance Rate (Apai 2490% P 24 90% P annual interest rate on your acmunt Balance Subject to Interest Charge interest Rate $652 73 $ 13 80 $0 00 $0 00 for details Purchases Cash Advances P, L,D,F = Variable Rate See reverse of page I Go to m.capitalone.corn on your mobile Ucwce and manage your account at the speed of yi&u PLEASE RETURN PORTION BELOW INITH PAYMENT OR LOG ON TO WlNW CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 4 )Mta)tane- Due Date '( Jul 11, 201 4 y '. $654.53 $25.00 PLEASE PAY AT LEA5T THIS AMOUNT Account ending in 4925 New Balance Minimum Payment Amount Enclosed 4925 14 0654530035000025005 ORGANIZATION MADE EASY. Forget the filing. Manage your account online and simphfy your life, Sign up at www capitalone.corn 400011 MELANY BASA 4900 THE kiooDs DR ApT 1729 SAN JOSE. CA 95131*-301 0 Capital One Bank (USA). N.A.P.o. Box t 05'f9 City of Industry, CA 91711 -0599 I " ltl » llilillli il iiilli i » i ' ll " Illlil'I » li I I'Illlll Please make checks payable to Capital One Bank (UBA), N A, and mat neh Ibis coupon. 063 No can I rz *id p I I te est charac&1 If you pay your zlatemenl's 'New Balance'n full by Ihe due date we ot cha ge toast on any e trans oom that p st to the P &hase balance. If y u h been payrng your acco nt n lug w th n I tercet charges bm then you do ot pay your nexr New fmlance' lug we wig cha ge rnterest o the ponon of the balance that you did n I pay For caih advances a d sperial tmnsfep. e 1 start ebs gmg leesiontheuans dondate H* i the I t t Ch n appgedl Intetest cha ges am e fr m Ihe I) date of the transact on, 2) date the nanmct on u procesrd m 3) gnt calendar day ot the b 8 ng peiiod Interest charges accue on eve0 unpaul amount u II I s paid n full. The means y may owe rnterest clwge even f you pay the e tire "New Balance' mo th, b I dd not do so I Ihe p evous month. Unpmd mteresl charges are «dd 8 to the propet segmem I your Account. H w ewer servethedghttonotaszesstniermtdargesata ytme Do you asses&a Minimum I I «I Cha et Yes A mintmum INTEREST CHARGE of 5050 0 8 be azmssed fm each Nn gpe odyouracco ntnsubjeotoanbterestchatge 0 d you C I I t the I temst Eke~ray We esca method c gert A sage Daily Balance includng new I ansaoontk Undet this method, we grat calculate y r de ly balance, fo each segment, HI ke the beginning balance a d dd In new t ansactlo s and the penodtc interml dt ge on Ihe ptcvrous d y's balance, then 2) subt aa any payments and credus for that segment as of that day Ihe tesult rs the dely babnre for each leg ment Nowevet. if yo pard your p evious monda tmlanre rn full (or 4 your balance was zero or a c edrt amo nq, new rransad one which post to your pu«Arne speaal purcltase segments ate not added lo the daly lx lances Nso, ltanmdl one that are subled to a grace pened a e not added Io the da ly balances N xt,tofndyaurAW g DalyBalance.l)addthedalybalancestogelh rlareachsegment,and2)d dethesumby Ihe numb ofdays nthebgngcyde At the end of each b lgng cyde, we dele mi e yo r Interest Charge as fogowv I) mult ply yourAve age Da ly Bala ce bythed lypeaodcratetAPRBI dedby3651(orthatsegment,and2)multplythe emltbythenumbe fdaystnthe bg gpenod.slOTE Duetoroundngmaml mu i tercet&barge,lhumlc laaonmayvaryfmmthe nterstchage uuagy amassed How an my V bl Annual p~rcenta e Aate (ApA) change! Yo r APR may mueme m deuease based on o e oflhekg ngmponed dree (reponedrnyhevvgste t) mad Tof d hrchndexuusedl y raccount, Iookforalette cndeonthekontofthtsstatem ntn Nlo)ourAPR(s) The ebs kthetablebelow Cadenexttoy APA( ) P I Howdo wee I I t you APRts)T I d + ma ginlprevlo sly die losedtoyo ) Pn e Rare t na g n 3 onth LIBOR + m gin pnmeRate+ gn I mo th LIBOR + marg n When yo APA( ) w H change The fest day of Iha b lhng Pe nods Ihat di lan,Aprl,Inly,andoct 11 br td yofeach monthly bf0ing pe I d Am th 44 r r «' d ith my a&m t Yes, ndercertam o c tancez, you may be stewed a late or ltetu ed P ym nt I e You ay lzo be esse sed oval If as sf perm ned bylaw We czar cthe ght r t szeml tho I pno otm d Ih t amngournghttoamessaumila 1 elate Ho c IA dM be hoF esilfaR e alNotceapwterl nth I nlofthssmte ent,yo mayavod pay g, 4 ual b nhpfeebyca t qngC t merzewceno ethan45daysatierthelastdayinthehll g &&de co earl by thsslateme tt mq stthat closeyou rco I Toe edp ylng m nthlymembeshpte, ntau Cusre 5 «anytrrne tu equest thar we close yo cm t, and we wg nop assess g you m thly e b hpfe How ca I QMeadyxlmauaLTYo n mad&usto erzenrea ynmeto equestth t 1st Iou amunt At thra, 4'0 xplananyaddtonalslepstoacm I lo, ml dngbalamepydo n nformatena dim tn s Wh th pp ifmydrcntmkaczmpmderk We y I sco s spendyouraccou tandyo rnghtro bta o rht atanyine df any eaton, fy nm ndefault,Acmunts spemioncanbepe an trrtempoaq If yo «nr s dosed o suspend d yo must H zt p g ya credrt ca d and account, 2) an el 8 tomatic paymets 31d t yayoerht&wdsa d mew hcks.anda)pyagamo tsyouo e, n ftleyweech ged ,ft th co I asdozedmzuzpe ded. H dolM k p m ts7Ata yt,y ypaythem mumpay ent thetomi p db lame o anyamo I Ilonlnebyrio gto capt lone coma rlloggng ntoyouracmu t, 2)ielephoneV ceResponsezysrc byd I g18009557070 dfog gthe ocepo pts Whenyoumakea phonepeyme rrh,gh oce esponzesytc,y a Ihome stomt te ACHorelecto cpaymentthat b 'ebtedlomy b «eccmr F ds yb thda fo you bankaccou tas o asthesameday e p ss your pay e t, 3)Cagngourteleph enumb» 180tl.9557070 dtxo 0 gyo nfomanontoou«epee I tv 1)P)m otsby alsh Idbes nttothemalr g dd spo derla Iheb 1m p I fttnsztate e I Whe wgy C dhMvPavme ty F rongneoroverthepho e,m fth b 'sday erecene t,aslongastheyaremadeby5p.m.ET. Formaledpayments,asofthebus essdaywe ece et,aslongas:i)yousendthebonomp mo ofths statementandchecktothep ymentaddremonthefrontoflhszlatementa d2)y rpayrnentureceved no r Docewnqcentersby5pm lomllme Pleaseagowalleazt(7)buunessdayzform Id 8 eq Maledpaymenw receivedbyusatanyotherlocatonorrnanyothe formmay otbeoedledasofthedaywerecetvethern. Do you Process Paper Che Iree a Elena ic Funds TanNer) Paymenls wg be ptocessed n one of two ways. When you prowde a check or check mformaton 14 make a paymenr, you authome s a aur agenN to ute the tnformaeo tomakeaonetimeAcHtans omn o othe eleqmnlcfv dta sf rfmmyourdeposeacco nt We may alzousethe fomatientopmcemthepayme tasachecktansadion wh t if I gle for ~gene . If you are tided to bankruptcy prorcnon, thn m icado n fot infonnaoon ly Itrsnotanattemptmcogeo a emorreco eradebrordarm Donotsend spaymentswlhoutspeab gwM you banbuptcy anom y o the Bankn ptm coun lf you or yo anomey would I ke to contaq our bankruptoi datms sewicetd redly, please contad C p tel On PO Box 30285 Salt lake Gty, UT 84130-0285 BILLINGBIGHTssUMMARv (D sr'rorAppixtosmaffB s essA«ounts) what To oo If You Think You and A Misswe on Your state ent: If you think there is an ero o your statement,wnte to us al'4NNI One P.o. Eox 30285 Salt I ke Gty, UT 84130 0285 In your lena, gwe s the follow ng nfotm atro Account tnfmmatmn'ow name and account numbe . Dog tamount Thedoga amo tmth s sp cled nor .Desotolonofpoblem lfyo Ih ktherersanetrmonyowbg.desc be htyo balrevetswrongandwhyyou beleve tlsamsmke Voumustcontaou wthnqqdaysafte theem eppes ado you st tement Youmust otfyusofa ypotentaleroe ~tn Youmaycaguso noafyuselecto Mgy bttyoudoweae nol equ ed tom eshgateanypotentalerou rlyo ayh I payth amoum n qua&tun wewrgnmfyyou wlhn30daysofou receptofyo lett Whrleweneztgate htherornottherehasbee 4 c octh fg I g etme Wec nottot cogeqtheamo I ~ quarto,omep nyo 4 d I q nt thatamount. The hmgeinquesuonmayrem y u stat m nr,andw mayumtnuetochaqeyo terestonihatamount 8 I, fwedetemneth twemad am take you It othe atop ythe m I q estonora yrnterestorothm fees lated tolhatamo nt Whle y d I has I pay the amount r questo utal ere d you a notxe eho I the Im lou stgat,yo ae esp blefo ther mande olyo rbahme, We can apply any npard a one, gamt ) «d I I mt Wlhngodaysofoum eptofy lett. wgsedy vite notes planngethe that emr«tedthe e o do puca o yo me*i\rate enrl th abele elh b I &corset You Mqht HYo Ar Drsmcts&redurnhv c dtc dp mha Ifyouaedssatafed ththegomlso th t yo have puchmed rth y credt card a dye iavetned g od 0th tocmr ct the ptoblemwlh the eda t,yo may haethenght ott p yth an gamo Idueonthepuchme.Tout this ght,lhe ng mus! be t e tlvou usthawmedyo roedtc df Ihep rh a h e mad the shad ane 1 ATMm Iha checkthat, cast yo «diced cc ntdonotqualdy.a d Ifapoftheote aaboeaemeta dyau studs t f d thrheo chase,conte&res~nun at. Cap 1st One PO 8 30285 Salt lake Gty, Ui 84130.0285 vrhl we n ert g r . Ihe I pply tot,lt dnp led am t d sc ss d abo e Afte e Bmh o tget, gteeyouou deonon Atthalp nl, lwethnkyouo ea u I dy d notpaywemay epon you as del quent Captalonesuppms I t p opotet» seeow bate I &pnal acorn G201 lc p,t Ion captalo e zaf 8 lly q I edse m ak Agoihrs e d FTC 08 05/31714 Changing Address? Address Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: I-lome Phone Alternate Phone E-mad Add fess ~ Don't staple or paper clip your check to the payment slip ~ Please don't include any additional correspondence. u Last but not least, be sure to wyite the last four digits of your account numbe( on your check Please pnn( address or pbooe number abave using blue or black iok 064 Page 2 of 3 Customer Bevice1~7 www.capitalone.corn May. 15- Iun. 14, 2014 31 Days in Billing Cycle Platinum MaatarCard NEW BALANCE $554.53 Previous Balance MINIMUM PAYMENT $25.00 Payments and Credits $35.00 Account ending in 4925 DUE DATE Jul 11, 201 4 Fees and Interest Charged $ 13 80 ] Credit Umit: $ 750.00 Available Credit $9547 Cash Advance Credit bmtt: $ 150.00 Available Credit for Cash Advances. $95.47 Transactions New Balance ! (TRANSACTIONS CONTINUED W TaadT aaafiarm Ttda Period $148.57 FEES Total Fees This Penod $000 INTEREST CHARGED INTEREST CHARGE. PURCHASES Totallnterest This Penoil $ 13 80 $ 13 80 TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year $0 00 $33 83 *Imponant Notice" You are enrolled m AutoPay Ynur selected payment of $ 35 00 will be debited from your bank account on your Due Date 8 your payment is less than the Minimum Amount Due, you wig need to make an additional payment of the d Werence between the two amounts. If your payment is more than the Current Balance on your Due Dais, anly the Current Balance will be debited 065 2011ss TAKE AN AUTO LOAN TEST DRIVE You test drive a car before you buy it. Now TE5T DRIVE a LOAN before you SIGN IT! capi talOF[e'uto Finance Flzwt[a[e[RPSlRola[t[N~ [a[rat@ [EVAV[ntnKs[ ~ [tiFI[ ~ ] ~ [NKa[ ~ I[FlllRi[ ~ a[as uto loan for an online test drive with Capital One" p for your next car. ln about ten minutes, you you'e qualified for. you like what you see, say yes If noi, you'e spent about ten minutes online in the comfort of your home or office. Mo Hassle. Find the Right Loan for You. Taking an Auto Loan Test l3rive is easy... Go to capitalone.corn/autoloans and apply. ~ Once approved, you'l see what you'e qualified for ~ if you see something you like, we'l mail your loan package. *See reverse for imper[an[ disclosures regarding [itis offer. Ca@ltatpftcif Auto Finance 20&tss IMPORTANT DISCLOSURES AND REQUIREMENTS: In order to &lualil'y for this fu&ancing offer you must be a('least 18 years of age, have i& minimnm montldv income of $ 1,500-$1,800 aod a valid street address within United States or an Army Post I )ffice address (Al'0) or 0 Fleet Post Oflice (I'I 0) adclress, Aoy e&dsting Capital One accou&tts a&us& be If& guud sta&lcll&lg I'&&le&c&flg &s not «'lli&ble iii all stares Tins offer. can only bc used at one of our cliguhlc dealer. locations towards the purchase of a ne&v or. used car, light riuck, ivunivan nr SUV intend&0 Fnr personal us&. Vehicle model mnsr he 7 years or newer and have less rhsn 70,0tg) miles. KVc clo not Finance Oldsmobile, Dacwoo, Saab, Suzuk&, Isuzu, or chscontuuie&.l vehicle )mes. Please visit www: cspitalone,coin/auto-financing for adchtional terms and con(htioi&s or visit &v«nvcapit ilone corn/autoloans/dealers to ns('&11'ligible dealer locator. The minunum muount financed stmts at $7,500. You can apply for Finiu&cu&g up-to 540,000 f&&r ncw vchiclcs and up-tu $30,000 for used &mluclcs, Tci'rn may r;u&ge Rom 36 to 72 months. You& lu&roice amonnt &0&II be lim&red l&y the value ot the vch&dc ) ou chose (invoice price for ne&v velucles roid the hook &vholesale value For used velucles). &l'his hmitation &vill hc specified in your loan package as Loan to Value (&0 "I.'I V". Other I'ccs such as o(lc and regis&ratio&1 Fees &vill apply:uid vary depending on srare No pre-payme&u pcnaltics apply Yonr specific fiiuu&cuig APR will be based on your credit ulfo«'Tl'&t&on, tl&c;unount Jut&I tci &11 of )'our loni&, the vehicle' ou sclci.t rind additional infoimation taken at the time of pmchase. 'Ibrm ma) iang( Fi.om 3(i ro 72 months based on vcluclc purchase(h Rates are su!&ject to change witlx&ut notire. L'sa&np)e pa).menr &crms Lo;ui iunonnr of 520/)00 &vi&h;ui APR of 7.00% and a term of 60 months woukl hi&ve a JT&on&hh lul) &l&ellt ut 8396 Fi2 I in(h&( ts Juld sc&Tdces f&lovided hy 6;J&p&rsl One, N. A & '014 Capital Onc. Capital One and Capital On& Auto I'u&ance;ue feder illy rc is&crud trademarks All nghts iv&eire&1 15000 Cai&ital One Dnvc, Attn 1203&8-0111, Puclunuiul, Vuguiia 23238 'li& &.un&act us h&. n&;ul, please use the t'r&llo&v&ng address Caputal One Auto Fir&ance, 7933 Picston ltd, I'I u&(i, 'I'X 75024 067 Page lot 3 Customer Benr'mef~ www.cap)talcne.cern Jun 15- Jul 14 20i4 30 Days in Billing Cycle PlatinumMasterCard NEIVBALANCE $740.93 MINIMUM PAYMENT $25.00 Ptuiss PAYAT TTAST Tars AMOUNT Account ending in 4925 DUE DATE Aug11,2014 $1,217 $ 1,059 $158 MINIMUMPAYMENT WARNING: Ifyoumakeonyihemnimumpaymmaearhpemdimr mg pay more in interest anu A uli lake you longer to pay off yenr teunee. Forexampn Payment Amount Eadr Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Stalement Balance Total Cost M Pepmn I AVnm 8Y~ Your estimated savings if you pay off this balance in 3 years: Credit Limit $750.00 Cash Advance Credit Limit. $ 150.00 lfyeuanfakkanfnrmkonetmmneftuunmlrgmrrxekmft-88892$8088. Available Credit: $9 07 Available credit for cash Advances $9 07 IATE p""MENT wn"NMG: svnrunmreogmfovrmirmkmfoymentbypmruueTrna Ioumay have m pay a laieisa of up io $8$ oo ardirur Apns may be 'ased up teen PennyAPR oi 29.4CA/ Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $65453 - ( $3500'+ I $34~~ I +,'87.15 .'= $74093 J (TRANSACTIONS J PAYMENTS, CREDITS 8 ADJUSTMENTS FDR MELANY BASA ¹4925 I 11 JUL CAPITAL ONE AUTOPAY PYMTAuthDate 11-lUN TRANSACTIONS FOR MELANY BASA 44925 I 14 JUN EUROPEAN WAX CENTERSAN JOSECA 2 14 JUN MOTIF RESTAURANTS LOUSANlOSECA 3 15 JUN BJS RESTAURANTS 429SAN lOMCA 15 JUN TARGET 00022814SANlOSECA Total for Mdany Baca ¹4925 W Totm Traeac&m Tids Pedod ($ 35 00) $ 50 00 $ 70 00 $ 13 96 $3 19 $87.1 5 $87.15 YOU ARE HERE. WE ARE T00. Check your balance drrectiy from your phone and View recent transactrons Pay your Capital One brli C bc ck you'ewards balan c 390029 Go io m.capitalone.com on your mobile device and ntanarle your Amount Jt tire speed of you FEES I 14 JUL CAPITAL ONE MEMBER FEL Total Fees This Pened INTEREST CHARGED INTEREST CHARGE PURCHASES Total Interest Thrs Penod Transactron» continue on page 2 $ 19 00 $ 19 00 $ 15 25 $ 15 25 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Ratepa Interest Char9e Purchases '4 90% P 1 M5 02 $ 15.25 Cash Advances 24 90% P, $ 000 $000 p L D I - vanable Rare see reverse of page 1 for detmis PLEASF. RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE. TCs peal Due Date Aug11,2014 Account ending in 4925 New Balance Minimum Payment Amount Enclosed $740.93 I $25.00 v PLEASE PAY AT LEAST THIS AMOUNT 4925 14 077 0930035000025003 ORGAN IZATION MADE EASY. Forget the fihng. Manage your account online and simphfy your life. Sign up at www.capita(one.corn AOOOH tlELANY BASA NNDD THE IIIOODS DR APT 172II SAN JOSE CA 95131 -38I D lllrsrl Capsta I One Bank (USAJ. N.A. PION eox G0599 City of Industry. CA 9171k-i35'I9 i " lil iilllilllll il IIIIII 0 lll'I'll " III 0 I'ill II I IIIIIIII Please make dtscks payable to Captal One Bank (USA). N A and mal wih this coupon 066 How «a IA id P I a I tu st Ch M 0 you pay yourstatement's'New Balance'rnI 3 by the duad te. e I chaee nte est on any new t ansactrom that post to the Iu chase bala u. If you have been pay ng your account nfug ilhno nterestcharges bmlhenyo donotpayyou next NewBaiance'fug wewltcha ger tercet 4 th porton of the balance that you dd not pay Far cash ad ance& e d speoal tra sfes, e wil stan charg&ng mte estonthe Iansacton dale. How is the ~ch ppged Int et chan s aca e fmm the O date of the tamaction, 21 date the I a section is pracm&M or 3) hrst rafenda day of the billing parred interest charges auwe on eveq unp id amo nt untrl its paidi full. The meamy ay e nte est barge&even fyou paythe ant e'Hew Balance'one mo th. but dd at do solo lepra &au&month Unpaid rnterest charges are added to&he popet segment lyo Acm nt However, we esewethe ghttonotan s Nteetchag sat ytme Do you ars san Nn&mum Int esl Ch~ar ez Ye&. A min mum INTEREST CHARGE of 50 50 v ig be assessed for each biiugpe adyouraruunr ssubleatoan nteestcha ge. Now do you cak Nte the I te est shares. We use a method cailal Average Da ly Balance (nciuthng new I anwmon ) Unde the method, we fat calculare your darly balance, for each segment, tl take the beginning balance and add n new ranmso I Md th pedargc nter &to&a&geon the prevrous day's balance, then 2) subtmct any paymerm and credos for&hat segment as of that day The mutt is the de ly Iolaus fo each segment However, bayou paid your prew ous month's bala ce n full (or I your bal nce was zero m a crud r a mound new tran eamon& wh&ch post lo your purchase or speaal purchase segments a e not added to the daily balances Alw, t ansaaons that ere sub)ea to agracepenodarenoraddedtothedariybal ness. Nea.tobndy urAverageDailvgalance.l)addthedalybalancestogelhe I adts g e t,and2)d id thesumby thenumberofdays nlhebhng yde At the e d of ea h 8 Ihng cyde, we d stamens your Intetest Charge as follows O mull ply your Average paly Balance by the de ly pened c rate (APR 4nded by 3651 for thar segment, and 2) m It&ply the sault by Ihe nu her of days rn th big gpe d NOTED tomundngo amnmemnterestchage,thscalculat&onmay atyfomtheinter st&barge acruagy amassed H w can my Variahle Annual percent oe Rate (APR) ha gey Yau APR may noease m de&Nese bawd on one ofthelopo ng epos 4 dc I'on d n Th N'l5& rzo B.lofndwh&d mdexsuwffo you account, look f lett rcodeonthefrontofth&s tatementnextroyourAPI!(s) Thencheckthelablebel C d nemtoyour APR( ) P I D F slow do we calculate your APRG)2 Inde + ma gi lp eviousiy disclosed to you) prwe flats I maga 3m IhUBOR I magn ense& magin I month&IBOR+ nraran Wh nyo rAPR(s) wigch nge The I rst day of the b li ng pen ods ihar end &n lan,Apnl.inly, den. The I rst day of each monthly b 0 ng pe od Are there *ss & r amos ted nh y uo t v \, unde«ena n arcum\tan&as, you may be a»essed a lateorRet nedPaym ~ Iles You ayaisobeassessedOwl &fees fpe Itdbyla W«se eth ughtto ot ss ssleerwthoutpno once a thou& mng u«&ghttoa&as semis feelater Ho nl A idMembemhioFMs TlfaRe et alNouce &p ted theho t fth rotc t,y ya od p ynga a n Imemhnhpieebyco tea gCuto e Sewce o oath 45d y aherlhulatd y nth Nl g wcl e ed by ths sure nant to aquas& th I we close y accou I Toe od payng a monthly membership fee. &ont a catomer Sar ce any&me to eq est&hat e dose you account, 4 e Iln pa e 9y m nthly me bmhpi e H ca I~ Youcancontac&Cmto e Se cea ytmeto q et&that ecloseyou amount At Ihatt e, hept yaddm I rp to cmntctos e, ctdngialan paydo n&nfor atone dumel e&. Wh th ppensd yA smd S~MM'W y teen wspendyo acco rtandyo rnghttoobtanoedt atanyomeandfo any easo,eve fyouae ot& defa It Acmunrsup s n b p m nntortemporan If yo accour &a sed s sp d d y I H t p gyo «dt cad ed acmun&,2) cancel apautonlat& pay e ts,3)delmyagoerhtmdsandaaets&heas,and4)payaga u Isyo o e &,can fthey eecharged H 0 IMah pym Is&At yl e,you aypaythe umpay em,&bet tl npadbalance,o anyarnount n bet n Paymenrs ayb made n seve at ways HOnl ebyg gto rcaptalonecomandlagg&eg ntoyou account. 2)Tetphon vmceResponsesysremhydal g18009557070adfotl«qlhe po ptswhenyo makes phn pay tth gh ce sp &say&tern,yn a doze sto»zalea ACHorelaoncpy &that b d MIMI y ba kacco I F ds aybe Ihwa fomyou ba kacco ta soona&rhesameday e poc ssyou paym 3)Calhngo telephonen mb r18009557070a dpo rlngyourmfm lonr pme I I e, 4)Pay e I by al h Idbes mt the at qadd spo dedonthebolto pono of&ho r &e t Whe igyouC dnM P t .Forongneoroverrhephon,as Ithebusnessdeywe scene t,aslongastheyaemadeby5p..ET. Forms led payments, as of Ihe business day we eceive t, as long as. I) you send the bonom pon on of thn &&stamen&and check to the payment addr ss on the hant of this &la&ewe t and 21 your payme t s tace& ved n our p o&em ng enters by 5 p m Imi 8 e Please agow at least O) busness day&terms I delrvery. Maried paymenls ecewedbyusatanyotherlocadonor&nanyotherfummaynotbeuedtedas 1th day ewceaethem Do you Process Paper Checks ass Elect ic F ds Tmnd . Paymentl wg be poceaed &no e of two ways Wh nyo pm de ached o dukmfo m bo to makes payment,you author zeusoro ragentslo use the Informatonto akeaonetmeAcnlransaa&onorothereleooncfu dta Herfromyo rdepoeacco t w may at\a we lhe I Immauon to pro&em the paym en& a& a check Iran&schon what if I gle f4r ~8k t v If you are enuded lo bankruptcy pro&schon, this communicaaon s fot iniotmanon onty Its notananempttocogea amessor em eradebtordarm Do not sanda&paymentswthoutspeabng&vith your bankruptcy ahomey o the Bank uptcy Coun lf you or your attorney would I ke to conlaa our benkrupay daim& senicernrenly,plmsecnntact capeafone poilorr30285 5altiakeGty,UT841300285 BI IONG RIGtlTS SUMMAIIY (Does Nor Apply to small Bus ness A«ou ts) What To Do If You Think Vou Find A Mistake On Your Statement: if you think Ihere h an e ro on your statement,wale to us al. Cape I ane P.O Box 30285 Salt lake Gty, 0T 84130.0285 In your letter, Dve us Ihe fogov 'ng info rmarion. Aces unit nfonnatzon Your name and account n mba r Dogararagunt Th dolhramo ntofthes speaederror OescnotnnofPmblem Ifym thnkth re sancs ya bg,deaabew&atyo helve s ange d hyynu believe n s a ms&eke. You mu\I contact us w Ih&n 60 days after Ihe error appeamd an yow &I I ment. Vou must notify us of a y potential sr ore&~an Yourn y celt us o notrlyus elea or&icaliy but if you do &vs as not tequi edlo &n es&tgate any pa&annal errors and you may have to pay th mo nt rn queiaon &'v Ilnoufy you ~ntn thn30daysofou receprofyourletrn Whrlewetnvestgatewhelherornottherehasbeenansr or,thefoh g et e Weca notlntocogecttheamou \ q esto,ow portyo asdehnq e to thra o .the&bags qua to my emano you statemenzwdwemaycontinuetochargeyount esronthalamo nl 8 r, f ederem etharwemadeamatake yo wlln the t pythe mat q eto ay tee torah fees elated to that amount While you do not ha e to pay the amount in question untrl we send yo noa e b t the Ico I o vestnal, y e sponuble f th aindu fy b lan e Weca apply nyu pads ou lagamtyouraed&tlmr Wthn 90 dam of our receipt of your lener, we wit and you a stan notke eqdanng othe that: emu &tattle ew ftoappea onyo extttate e Oorlheream swebele eth ba scores YourgghtslfvouAreDissatatiedW&thyourcmdnCardPuchas Ifyo a dmatui d tllb cud&a ser cesth&y oh p dased Ihy 0 4& d, dy uhwet ed ngoodfashtoco eo&heproble eh them&dent,you may have the nght not to pay the rema ng amo \ due onrie p hme Toom Ihs glt, Ihe follow gmustb I Il You must have used your oedt card for Ihe pu clare P &chess&mad la & si d ces fm n ATM o«th checkthataccessesyourcwdtcardacco tdo otq aldy,and 2)V u ust otyelha efutlypadf the path se Ifagofthe&ntenaabovearemetanrlyo arestldssatsfdwnhthepaha,c Ictus tnq I Capeal One PO 8 30285 Salt lake Gty UI 84130 0285 Whle we nvestgate, the wme le apply to th rlsp led mo t m dscuaed aboe Afte e I si ou tg to, Rtlyo de Atth tp I, I erhnkyouo eanamou tandynudorotpay enal Cap&tales& ppom I au np wp tet see eb re I~mpr to emm G2014(apraiOae&aptlOesafdeaiiyeprrecdse cemaknhnghlseseaed ETC 08 0 5/3&0 4 Changing Address? Not quite ready to make payments online? Address No problem. Fol ow these simple steps to make sure we process your payment smoothly; Home Phone Alternate Phone E-mail Address ~ Don't staple or paper clip your check to the payment slip o Please don't include any additional correspondence. ~ Last but not least, be sure to wnte the last four digits of your account number on your check Pfeese print addre~s Gr pnene number above using slue or b)dck ink 069 Pagasof 3 Customer Bevioe1490003-3637 www.capitalone.corn Platinum MasterCard NEW BALANCE $740.93 MINIMUMPAYMENT 825.00 Account ending in 4925 DUE DATE Aug 11, 201 4 Credit Li Available Cre Cash Advance Credit li Available Credit for Cash Advan Previous Balance $654 53 Payments and Credits I $35.0~0 Fees and Interest Charged $34.25 Transactions New Balance $87.15 I = $740.93 L TOTALS YEAR TO DATE Total Fees This Year Total interest This Year $ 19 00 %49 08 *Important Notice* You are enrolled in AutoPay. Your selected payment of $35 00 wilt be debited from your bank account on your Due Date. If your payment is less than the Minimum Amount Due, you wig need to make an additional payment of the difference between the two amounts If your payment is mare than the Current Balance on your Due Date, only the Current Balance will be debited. 070 WHO KNEW CAR BU COULD BE THIS EA The key? Capital One's Blank Check . Apply now at www.capitalone.corn/autoloans CaPitailoffe Auto Finance THE N1 RULE FOR EASY CAR BUYING: Finance Before YoIj ShoP canfÃl(fne (/aa(( ( a C'a((zaa(a(. MELANY BASA, Want to make car buying easy? Start by financing online now, and then head to the dealership with your Blank Check. Once approved you can focus squarely on getting the price you want on the car you want. It's easy when you finance before you shop. YOU COULD GET A GREAT RATE AND A GREAT PAYMENT ON YOUR NEW CAR IN 3 EASY STEPS: ~ Apply online at www.capitalone.corn/autoloans a Once approved, you can see your rate options and payment. ~ When you receive your Blank Check, simply visit an eligible dealer, negotiate your best price, and dnve your new car home! Apply for your Blank Check now at capitalone.corn/autoloans *See reverse for important disclosures regarding this offer. Capi taiofte'uto Finan&71 &0)156 IMPORTANT DISCLOSURES AND REQUIREMENTS: In order. to ()calif( for tins finiincing offer vou musr be at least 18 years of age, have a minuuum monthly incoruc of $ 1 500-S1,800 iuid a iulid srreet a&klress svithm Unwed Srates or an Army Post Office address (APO) or a I"lect Post OFFice (I I'0);ukliess,'uiy cx(sf(ng Capital Orie accounts mus( be in good s(anding. Fu)ancing is iu&t avadahlc ni all st&iles Tlxs offer can ord) he used at one of our eligible dealer locations rowards the purdiase of a new or used cai, tight rruck, miniv'll& nt','ib V mrended tor personiil use Vehicle mndel must hc 7 years nr n(wer anti have less rh:ln 70,000 mile~. ()l'e do nor tinance Oldsmobile, L)aewoo, Si)i)l), Suzulu, lsuzu, or. (liscontmued velxrle knes. I'lease visit wwiv. cap&(alone corn/ra)to-Financaig For add(t(onal terms and cond(t(ons or visit &vunvcapitalonc com/i(utol(xu)s/dcalc(s to use our cligxble (k",(ler loriiror 'Il)c mu)imum;unount financed starts at $7,500. You can apply for finanang up-to $40,000 t'or ncw vehicles and up-ro $30,000 f(x used velxcles Term may range fiom 36 to 72 months Your tinance amount will be limired hy rhi: i'illue of thc veliidc vou chose (invoice pnce for. neiv vehides and rhe l&ook wholesale value for used velxcles). This hmirarion will bi.'spec(F(cd u) your kxu) peel sgc as I rxui to Value or "LTV". Other fees such as title and registrar(rue fc&.s will 'ippl)'i)d vM( depending ol) sl'are. No prc-payment penalties appl)i Your specitic financx)g) APR ivdl he based on (our. credit information, the amount and term ol'our loan, rhc vehicle yi&u sclcct:uxl;a!dion(id uifonnauon raken it rhe ru))e of purchase 'Iei m may i)uige From 3(i to &2 months base(l on vehicle p(uchascd R,itcs are snl&lect to change without notice. L'xi)mp)e Ixiyment terms. L.xui iuu&xxit of 520,000 ivirh iui APR of ')008&;ind a term ot 60 months would have a montldy fxiyment ot $39(x02 I'ro&hicrs and services pri &videri hy (.ap&r&I One, N A. (() 2014 ('spital Onc ( spiral One and (',)piral (')ne Auto I'u)ance iu('edert)IIy iegistered tradcnxuks All ril hrs i(sew irl 15000 ('apuaI Onc Din v, A(in. 12(X)8 0111, Riclunoixl Vuguua 2323&8 T(& i out u t us 8) ni xl pic isi use thc ti)liow m :a)dress Capital One 'uitn I&uwnce, .&933 Preston Rd, PLano, TX '75024 072 Page lot 3 Customer Benrice ISOJGRS3637 www.capita(one.corn Jul.lS-Aug. 14, 2014 31 Days in Billing Cycle Platinum MasterCard Credit Limit: $750 00 Available Credit: $ 23.33 MINIMUM PAYMENT $25.00 Account ending in 4925 DUE DAlE Sep11,2014 PLEASE PAYAT lEAST THIS AMOUNT Cash Advance Credit Limit: $ 150 00 MINIMUM PAYMENT WARNING: S you rrnkeorty Ihe uwimum payment eadr pukxt you mli pay more rn irtcrest anri s wtl lake yeu longer to pay off Tour buanm. For exempu'aymentAmountEacbPeriodtfNo Approximate Timeto Payoff Estimated Additiorral Charges Are Made Statement Balance Total Cost I4nmum Payment I AVem I Sx,tf0 RB sv~ I si,ceg Your estimated savings if you pay off this balan«e in 3 yeaor $13tl If /xi Lutuid like blorrrulxxr about ofedt coumurc survxun od I ostk3268EG AvariabiecredltforCashpdvances.$2633 lATEPAYMENTWARNING: Smmw~y rmnmumnm I yn Mnun Funny have to paya late Iee of up to $65JN and nor APRs may be uncased up to Ihe PerdtyAPR cfgg con Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ( $740 93 J ( $ 3500 ) + ( $1574~ 4 $000 ! ~TRANSACTIONS ) PAYMENTS, CREDITS 6 ADJUSTMENTS FOR MEIANY BASA ¹4925 I 11 AUG CAPITAL ONE AUTOPAY PYMTAuthDate 11-JUL 535 00) TRANSACTIONS FOR MEIANY BASA ¹4925 FEES Total Fees 1hrs Penod INTEREST CHARGED INTEREST CHARGE. PURCHASES Total Interest This Penod TOTALS YEAR TO DATE Total Fees Thrs Year Totallnterest This Year Transactions continue on page 2 $0.00 $ 15 74 $ 15 74 $ 19 00 $ 54 62 Cbe«k your os lance drrectiy from your phase and u Lrtev recent transac tons u Pay your Capital One bsi n Check vour rewards balance Co tr: m.capitaione.corn on your mobrle device and manaqe your account al the speed of you. L INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to 7ype of Balance Rate (APRI Interest Rate Interest Charge I'urchases 24.90% P $ 744 04 $ 15 74 Cash Advances 24 90% P $0 00 $ 0 00 P,I,D,F - Venable Rate See reverse of page I ior detmis PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO IAIVYW.CAPfTALONE COM TO MAKE YOUR PAYMENT ONLINE ~gntt~~ ie Due Date Sep11,2014 Account ending in 4925 New Balance Minimum Payment Amount Enclosed ! $721 67 '25 00 ) ! PLEASE PAY AT LEAST THIS AMOUNT 4925 14 0721670035000025008 ENJOY 24/7 ACCESS TO YOUR ACCOUNT I'ur b rls Ck k r* u*'* soeets HELANY BASA O'IOD THE IUOODS DR APT 172k SAN JOSE. CA 9513l-36ID Capital One Bank IUSA). N.A. P.o. Box tii599 City of Industry CA 9171k-0599 I " lfi 'ili'Ill'I II iiilii iiiii I il " ill » I " ii li 'ii'fill Please make dtecks payable to Captal One Bank (USA), N A andmari wth Ibts ccupon 073 Otl 14 H wca IA old P incr tecestChaoes7gyo payyou statement'sNewfiaa 'I I Rby\heduedate, wrg not&home nteresto any new tmnsamons that pmt I the A chase bala c Ifyou have bee p y g y u am ntinfugwth oimerestcharges butlbenyo donutpayyou net N wlmla ca' Nll, wychageinteeit on the portion of th balance that you dd not pay. For msh 4 sneer Md span I tra sfep., e II zt 4 chm9m9 interest an the t anmctron date How i» the I t t Ch applredT Inta mt chatges accrue tom the I) date of Ihe lamarton, 2) dale the transamon u processed o 3) brat calendar day ofthe blng pened I I rest &barges ac e e etu pard amo nt anil rib paidrn tug Thn means you may owe mterest charges even fyo pay the entre 'Ne Balance'ne o th, b t did nor dozofortheprevous month U lmdi r rertchagezaeaddedlothe pop rsegm ntofyou Account However we resewe the aghl lo not esse s nte est cha ges at any trna. brging pe nod your account n subject to a rnte rest charge Ho do you Cal late the I tercet Chag . We use a method caged Auetage D ly Balame includng new nanmmons). Unde this method, we fret calculate your duly b I nm; fm ead zegme I, H take the beg n g balance d add n new trattsacuom and Ihe pened c mte e t charge on the prevrous day's bal c, then 21 subttart any paymenrsandcredasforthatsegmentasofthatday I'he esultisthed lybalanceioreach sag e t,rto ewr, fyou pard your prertous month's bala ce in fu8 (or ri your bal ce was zero or a oed I amount), new t semen who post to your purchase nr speoal putchase seg nts are not added to Ihe dally balances Als, Iransactrons that a e I bjert to a grace penod a e not added to the daily balances. Next, to fin your Average Daily Balance. I) add the darly balances together for each s g e t, and 2) di de the sum by the number of days rn Ihe br 0 ng cycle At the end of each b II ng cyde, we date enme your interest Ch ge as follows I) mutt ply your Average Oa ly Balance by the da ly penodr& ate (APR dbrded by 365) I that segment, and 2) m It ply the es II by th mbe ef days in the bdgn9 penod. NOTE. D to round ng o a nimum interest ch ge, Ih s caiculatmnm y aa from the mr I barge artuagyassess d HowcenmyvartableAnn *Ip nt a Rale(ApA)cha g 7You Apgmay mas ordeoeasebasedonone of the fogowrng reporledi riess (reported n TheW gst srro 0 Tognd whrch nd n sad fo yo am unt, lookferalenercodeonlhefrontofthnstatemntnexttoyo Apn(z) then&heckth r bl balm urAFR(sl "9 d yof the mg g p nm IMI ,Ap I I ly,endo&I Cede taxi to ye I APII( 7 How dow calculate you APR(s)7 When y Index+ m rgi (pe louslydisdosedt y ) wilt h pmeimtea agi~ Tbeirt 3 o IhoBOR+ magn end la 0 I't eR te+ margrn F I month UBOR r g Thefritd y fm h mo thlybg qpe od Acth ~a tel wnh y c I Yes.u d & rtainurtvnm ces.y aybeassem d lateorRetu edpaym ~ rise You ay I beassessedoelmtlees tpe frdbyla w ese eth nghttonot assess fe wtho I pnot not ca and w thovt » g «ght to amass la fee late Nowcanl A idMembeuhioFees 'I 0 Re evalNolce p ntedo rh fo tmthsztatement yov ye ad payngana near embevhrpfeeby r ctngC zto . Se c 4 oath 45d tsaberth lasrrl y th bg g cycle co cad by Ihsstateme I re q est that ed m yo accou I To d pay g a o thly mbeshp fee, ntaa Cusmmer Se ice anytmc t cq I that we riots ye r accou I, 4 II stop esseszmg yo r monthly embeuh p fee. Ho m Irt ~ a»Youcanconlarc \I rs mc anyr er q eslthat eclosey urm I AI timttm,we'ge pl n y ddton lslepstoarto ntclosue ml 4 gb Ia paydo fomatona d ~ wbthappensrtmyAm" ' 44 w maycloseo mpe y ace rt dy «ghttoobw urn& ate yt df any ea\o,e flu aenr dl it Acro Isa&pe oncanbepe I tempwary If yo amunt n closed sp nded you me I I) stop us 9 yew o d cad and acco t, 2) nce'g auto rc pay ants.3)d toyagoerltcmdsandaccessdeos, d4)o yells mzyo o eus,ee ftby em haged afte thearto nt asdo dormpe ded How do I~mk p m ts7rtta yume,youmayp yrhe m pay I.ther tai pedbai «nyamo I b I een Pay ants may be made m I ays UOnlnebygongto vcaptaloeco dl ggng toy mo 2) Telepho voc Respo se syst by d sing I 800955.7070 anrl fono 4&he ce p omprs wbe yo alee pboepay etlhougho oceresponwsytm,yo athmz to mate AEH 'o cpaym rthat bedebledfo 7 barkac&o nt F dsm ybe thd nfo yo b '« tmsoo es h d y e p c myourpayment, 3)Cab g t rept nenumbe 180119551070n dp d g your nio toot ou repeze taa 4)P ymentsby al ho Idbesenlloth I gaddesspmded nthebott pe, fthz\tatement when w 0 yo c drt M pavm em 7 F onl eoroverthephone,asmtheb si essdaywereceive t,aslo gastheyaremadeby5prn.ET Formarledpayments,asofthebunnemdaywe eccl eWastongas 1)yousendthebottompmtanofthis statemenlandchecktotbepaymentaddressonthebontofthsstatementa d2)yo paymentureceived nor ptocezsmg center by 5 pm local ume. Please agow at least P) bustnem days form I del veq Mated payme ts ece edbyusatanyotherlocatortorinanyolhe fomrmaynotbeuedledasofthedaywerecat ethem Do you p ocess paper che&M as a Elem 4 N Funds Transfer7 payments wl be pmemd in one of I o ways.Wheny povdeacheckorcheckmformatronlomakeapayment,youautho euso euragentstousethe vformaeonto make a one lmeACHuansacuono orhe elecuonicfu duansferfrom you depmnacceu I We may also uw the i fo mauon to pnrtess the payment ace check t anmcbon What rn file f r ~gnnkm t I 8 you ate ant dad to banknrpto protemon, rhnmm kati is for informaoon only.lirtnotanattempttocogert,assessorrecomradebtordarm Donotmndusp ymentswithoutrpeaki g irh your banbuptcy artomey or the Bank upi&7 Court If you or your anorney would like to conrad ur banb ptcy derma sew ce d reoly, please contao Caprtal One Po Box 30285. Salt lake Gty. UT 84130 0285 BIUINB IIIOHIS 5UMMAIN (0 Not APHiy Iosmag Bus nem A ounrd what To Do If You Think You Find A Mistake On Your Statement; If you think the e is an euo your \tatemem wore to us au Cap ral On Po Box30285 Salt take Gty, UT 84130 0285 In you letter, gi en& the following rnformation. Account niormation: Your name a d acmunt number. Dogaramount Thedogaramountofthesusperted or. Demoti of Problem 0 you Ihnk them tian error on you bg dembe wh tyo belreve n wrong and why you beireve I ra mztake. Yo must contart us w th n 80 d aye aber the enor appeared on you statement. You met nodfy s of any potent el error i~tin You may cag us at nobly us elect onmgy, b I I you do we a e not requvedto mvesbg te any pate lel errnts and you may have to pay the amount tn question we rll not iy you ~rn wn 1m th 30 days N o r receipt of your ielte4 Whl m nvesrgatewhethe ~ r ttherehasbeenaneror,thefog I g et e w c nottwtocogeotheamou I q eition,orreponyouasdelmq crro thatamount Thech ge q eza mayremanonyo rtateme t,andu mayconlmuetoch geyou lerestonlhatamou I 8 t if edetem elhatwemadeamttake you gnothavelopeyfheam u I questonorany rarest totbe fees related to that amount whle you do othe I pytheamountin questio uel w md ye a notes bo t the ~Imm to r m e tg t, v m spo uble fo the erne nde ofyo r balance Weca apply W padamou raga styou rterltlmt Ynlhn90dawofo rmept fy lan r,w wgmndyoua mten otrtepianngethe Ihalwemmtedrhe ero lroappea 4 ye n Istatement)o there sos e bale elh bb scorert You Rrghts H You Am Dimatulred wrth Yo Cmdrt C d pu chas s. Ifyou are dotal I 4 thlhe goods m s c thty heepurchasedwthyou Oedemrd,andyo havetredmgoodbtht mrutheproblem th th nerhant.you yhaethenghtnottopaythe e a mga u tdueonthepuchme Tous Ihnnght,the lobo g Ibet e l)voumusthaeusedy odtcardfortbep dase Pmhm ad rhc shad ancezlm nATMormtha checkthatacceszesyouroerltcmd « tdo otqualfy,end 7)vov I tylhawfdypadforthepuchase Hag ftheorenal eaemtandyouaesugdssatubed khth prthas,contaous~tn at C pt lo Po 8 *30)85 5 k I ke Gry. UT 84130.0285 Finis e n estgare. Ihe e le pply to It dnputed amon res dism d boa Afle e fimh e tgeto, gtegyo 4 der\ion Atthatp I, I ethnkyouovean m u r dl 4 Ipaywemay epon yo a del nq e I T.ptlOesupportsnfmmanp op tert see ~ emitealw capt lonecom o2014cmreloe C pralon saferleaby egnteedse cemakAlegtrs err cd ETC 08 05i31(14 Changing Address? Not quite ready to make payments onlineo Address No p(obiem. Fol ow these simple steps to make sure we process your payment smoothly: llome Phone Alternate Phone E-mail Add(ess o Don't staple or paper clip your check to the payment shp ~ Please don't include any additional correspondence.t ~ Last but not least, be sure to write the last four digits ofyour account number on your check Please pnot *duress or phone number above using ojoc or bjack iok 074 Pagegof 3 Customer Bavice I Bggtaatay www.capitalone.corn fuL 15-Aug. 14, 2014 31 Days in Billing Cycle Credit Limit: $750 00 Platinum MasterOard NEW BAlANCE 672$ .67 MINIMUM PAYMENT 625.00 Account ending in 4925 DUE DATE Sep11,2014 j Cash Advance Credit Limit Available Credit for Cash Advances: $ 150.00 +$ 26.33 Available Credit: $28.33 Previous Balance 1740.93 I Payments and Credits 135.00 Fees and Interest Charged $ 15.74 J Transactions New Balance $0.00 j = I $ 721.67 JI ~TBANSACTIONS CONTINUED *impudent Notice'ou are enraged in Autopsy. Your seteaed payment of $35 00 will be debited from your bank account on your Due Date if your payment is less than the Minimum Amount Due, you will need to make an additional payment of the difference between the two amounts If your payment is more than the Current Balance on your Due Date, only the Currem Balance wdl be debited 075 201168 TAKE AN AUTO LOAN TEST DRIVE You test drive a car before you buy it Now TEST DRIVE a LOAN before you SIGN IT! Capital offe'uto Finance StcÃtlelelslclal ~IclÃaletcne Iel la'enet:I ~ litPI[ ~ I ~ IAct ~ ] ~ ltFllliCilranltu *See reverse for important disclosures regarding this offer. uto loan for an online test drive with Capital once p for your next cai. In fess than Ien mini&tes, you ou're qualified for and there's abst&lutely ation If you like what you see, say yes. If not, you'e spent only ten minutes online in the comfort of your home or offtce Mo Hassle. Mo Obligation. Find the Right Loan for You. Taking an Auto Loan Test Drive is easy... e Cao to capitalone corn/autoloans and apply. Once approved, you'l see what you'e qualified for. 'f you see something you like, we'l mail your no-obligation loan package "See icver e for important Cecfo;ure: regarC&ng ttv offer Cwpltwl gffe'uto Fmance 076 201168 IMPORTANT DISCLOSURES AND RFQIIIRFMFNTS& Inn Ic t Snaht') to tl»s t»unnng ot'tt'n» mn t b s,t Ic. t 11! & * t g, have am &mom n&onthly con I'$1,300-$ 1,800 an I nl,d st,eet thm the h ut d States o m 1 mvPost Older wlAcss(APO/ apl t 0o t 0!'In ,'FPO) sdd .. ) & cs rug Capt&IOac accounts mst Th tt «mhlc 6 t ». t n (gila 1&1 I ".r r nlsrh Nn In«ts» . » d,lglnt k n & an n SI&Vnt &(&It'n pe ooal use Velu le moclel&mst t&e I &ea n ne& e aud l&s etc & th n tl(it)tl nnl . 0'e lo mt timuce Old m b&le Dae&voo Saab Suzub o Istrzn elncles. '(V lo ot tD ti nmmg t & t nm nl veluci»s n to cvclcs. ccteatronal cluclcs CRV&h ATVs, boats, ca npe& van), moto home, len&on vclucles, b zncled r tlc v luclcs, & "Incl s»tbour a Vclu I hlmn&t c, t on Nmnbet,'VIN) o r rle s oed. )Ve ms& rlete& rune a veluclc to bc comme&nci o& ot1&eon& Igble la c le »'» lel&mt/m Gun u &In 1«Iten. Pl & sn ««snqut ious.«n/ uto ri&vsncn&gfo «I lr» I&en» conclto&so . t c&ptal n , mn/. t I . /I &I t»nc»«i all I aic Tl&cnm&nn ml »»o nt $7300 Y n & pph lo, Ioa n o»t opt $40,000 t'o oe eluclr'&1&rl'&pto$0FGG(o ns 6 I I T, ma& ungag m36to72no th Vm I » » n &8l Im &«11& tlc nd: I&h« I ci to io ( &m p «to . I I rnltl I k 1&ol ml aloe to» & I I I; I'I ~ Im tstnm 0 l»p t « I n» lmnpa isa as(. ento Value o "1)1'Vp I'&le, velucle that Ton a bn& ng s $ 21& GGU aod &o&u LTV hnut s I l(t'/ &ben & u lout amom&t w 8 be I outed to $20 000 4 111&'z - $22/IIU Otlm& tccs such s t&tin anti &cg& 'I at&o&t tee''dl applt» ri \ » dependn&g»& sl&nc' lo p ' t'r'& I p n 8&cs a'lt 1' I«. t . I, » Anmd P « t ac gut. (APR'1 I s, I,n & "ail t, ~ lul el I not la tc1 to .;It 8 to &,&ro&nt lions &c n&,and thtlc h.. t t ..Iht I I t t 1.. g tl t t Po . «n nt s, .t . U»tal nc on,'..utobt & a/.t A p cse t «" essn&pl otpo& n nt te m, e& I !I . ", Iom»t t $ 0 ~C&0,&h&, APRo17303 m I t ot'60»ti, Mba , thl& p &, ato1$40() 76 Pro&lusts, ncl sctv&ccs ploY teel 8&'ap t& O &e. N A (c&2()14 (Rara)urn Csiural 0& a&I Capu&l t)ac An&oI'nance t c tele &Ih e utned t .&noma&Is. All uphrs tcsetve1.130(GC&pral Onc D &, Attn 12(D8 frill R &luna&d Vuy& . 2 & 8 T ~ t& t . In & I I I sc ". &Iu I'm u mttl e CsPI I Due Atrrob u ««7933 P 'o& Ibi Pls, Tg 73024 077 Platinum Maata/Card NEW BALANCE $701.99 Credit Limit: $750 00 Available Credit: $48.01 Page I of 2 Customer San/met~ www.cap)LB)one.corn MINIMUM PAYMENT 525.00 Account ending in 4925 DUE DAlE Oct 11, 2014 PLEASE PAYATIIASTTHISAMOUHT Cash Advance Credit Limit: $ 150.00 Available Credit for Cash Advances; $48 0 IJ Aug. 15 - Sep. 14, 2014 31 Days in iiiging Cycle 4Yims Your estimated savings if you pay off this balance in 3 years: Ii you wxfd Ine informabon atcu crees courmlrng sebum, rnll 1-8$8 328855 $I,ICB $ I,NQ $10$ lATE pAYMENT wARNING: Ifvu do not recove your nsnmm payment by your dus dale, lou/roy have Io pn/ B Isla fee of up Io $35 OO B/d your APRB rro/ be rrxr/nsni up Io Ihb PennyAPR d23 RPA. MINIMUM pAYMENTNARNING: ayoumakeorlyenmhmumpamm/Immpmrxrfcu mil pay more in intnest and s nil lake you leger to pay df p/urbahnce. Fore xampk'. Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Previous Balance Payments and Credits $721.67 I - I $35.00 TransactionsFees and Interest Charged New Balancer + + $ 1532 ) 4 $0.00 = I $701.99 j/ j TRANSACT)ONS j PAYMENTS, CREDITS & ADJUSTMENTS FOR MEIANY RASA d4925 I 11 SEP CAPITAL ONE AUTOPAY PYMTAuthDate 11-AUG 535 00) TRANSACTIONS FOR MEIANY BASA 2/4925 FEES Total Fees This Period INTEREST CHARGED INTEREST CHARGE PURCHASES Total interest ibis Pened TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year Transactions continue on page 2 $0 00 $ 15 32 $ 15 32 $ 19 00 $80 14 Check your oa lance drrectiy frcm your pito're Brlci' Vtew recerrt transac:rons b Pay your Capital Onr.*a brii n Check yern rewards balance Go to m.capitalone.corn on your rnobrle device and manage your account at th speed of you. 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 24 90% P '724 58 515 32 Cash Advances 2490% P $0 00 $ 0 00 P,L,D,F = Venable Rale See revbrsr ofporie I forrieiaris PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 4- 2 a~i7e Due Date ; / Oc(11, 2014 I Account ending in 4925 New Balance Minimum Payment Amount Enclosed / PLEASE PAY AT LEAST THIS AMOUNT 4925 14 0701990035000025004 ENJOY 24/7 ACCESS TO YOUR ACCOUNT 'P rb I cl*kr b r nb b I omc/to b tooorr! HELANY BASA 4400 THE IrlOODS DR APT 1724 SAN JOSE CA 91513k-38GO Illrsrl Capital One Bank &USA). N.A. P.O. Box !0599 City of Industry CA 9171I -05'I'I i " Ill'IIII)i)IIII Il IIIIII Illll I ' " )IIIII(f 0 'll " I)I)I)II Please make checks payable to Capdal One Bank (USA), N A and mari wah this coupon 078 iltl 14 How can I avoid pavina I tercet cha esl If you pay your statemenl's "New Balance' full by the due date, we wy no&charge mterezton any new transanmns that post l the p h se hat c. Ifl h whee p y g pe ano ntmfugwthno ntereitchatges burthenyoudonotpayyowne I Newlhlance'mfugwewrydarge nlerezt ontheportionofthebalancethatyoudidmnpay Forcashadvancesadspe el&ra sfn, e rilslartchag 9 interest on the Iransaciion date Haw N the ~lte I Ch *ppgedl Inta est charges accrue from Ihe I) date ol the transan&on, 2) dale the transamon rt procemml m 31 Brat cate da day of the Mgtng penod Inta esl charges scone on e eq unpa&rl amount u t I h I pmd in full Th s means y u ay owe interest charges even if you pay the entire 'Ne v Balance'ne month, but did not do so ter the previous mo th ~ mid I terelt charges e added to the p oper segment of you Account. Howem, we ass we Ihe nght to not amass rnterest charges at any I me. Do you as&essa Agnimum Inta est charnel Yes A minim rn INIEREIT CHARGE of 50 50 v ig be m!essed lo each bdhng pened your amount is s uhlan to an mterest cha ge How do you cele late the I te est cha . we use 4 method &aged Average Daily Balance findud&ng new transamom) Under Inn method, we hrtt calo late y r de ly balance, for each segment, I) take&ho beg nnmg bal nce a d add &n new transam ns and the penod&c rntemt cha ge o the prev&ous day's balance, then 2) subtran any paymenls and credns for that segment as of thar day The result is the dmly balance fo each segment Howe e, f you paid your p emous monrh's balance m full for 4 your balance was zero sr a &redtr am nt), new transact ons hi h pmt to your purchase ar &peers l purchase mgmenls are not added to the daily balances Also, uansan&ons that ate subiect to a grace penod are not added to the da&Iy balannm Next,togndyo rAverageDalyfblance: Oaddthedatybal cestogethetfo eachsegme t,and2)d& idethesumby the number of days m the b gmg cyde Attheendnfearhbdlngcyde,wedetem&neyo rtmmes&Chaoeasfogo s'1)multipiyyourAveageDalygalance by the da ly peiiod c tale (APB div&ded by 365i for that segment, and 2) mull&ply the result by the number ef days &n th bgingpenod.NOTE Du toro ntlmg amnim mi teat&eh ge,lhisml lotion ay aryfmmthernteeslcharge act ally amemed. How om my Variable Annual puc ntaoe Hate (APR) «ha geT You APR may nneme o denease based o o e fthefoy I gmp rtedi dces & portedrnrhewdsoeatloumag Iogndwh&dr&ndex&zusedforynu acmunt, lookforalettercodeonthefmntofthisst tern ntnemt yourApR(s) Then&heckthetablebalow. Code naxtto your APH(s) P I How do we calculate you APA(s)7 Index + m rgin (p e tously disclosed to you) pnme Rate & mmyn 3 olhig!OR+magn Pr me Rate + arg&n o thLIROR+ amn Whe y APA() wgl chmg Thef stday ftheby gpe rl th r end mian, Aprd, luiy, and On The f rst day of each monthlybgmgpe od A e theta artm I a assocmted with my accounfl Yes, under cena&n otc ms&an&as, you may b as es ed a lateorRetunedPaymentlee Yo mayatmbeammsedoelimitfees ipe ~ nedbyla we ese cthe ghtlo ol assess fees without prior nonce and w &hoot wa v&ng ou«ght to amass a amia fee late Howcanl AvoldMemb rthioF es 'IlfaRe ewalNoncebpnnmdonthef tofths state e t you eya od pay ganann almembe hpfeebycontactngC &tome Se ce o oath 45d ysaite thelastd y theby g cyde co e ed by lb&etta&ament to eq est that we close your ce I To vod pay ng m thly h shp I c; contart Cuzromer Sewice anyr me to req ezr thar we clo e your ac&on t, a d we R slop azzem&ng you«no rhlv m mbenhpf Ho canto M a» 7yovmnconlancu\lomrs c ay&mero q with t«l y « &At the&am, ey xpl yaddt lstepsto ccou tdosue.mdudngtmlancepaydown nfoma&ona d trna& es Wh &h pp 9 YAcmuatrtxsusponderlIWemaydozeo suspendyourauountandyo r ghltoobtonoed& I ytmeandfmany aaron even fyouarenot&ndefa&h Accunts span on b p a r w p y «u I is losed mspe ded yo ust U stop un g your cred&t &ard and acco nt, 2i cancel ag a romat c payme &f3)destoyagoedtradsandaccezschcks,and4)py gam I you s, e fthy. «h gd Howd IMakePaym ts7AI ylme y maypaytlem n mp ym I tlat tl p db I, a y I nba&ween Payments maybe made& ze eat ys liontnebygm gto capt lone &am andi gynr& t you anounL 2)telepho avocaResponzeSystembydalng18009557070a dfoyo gth po pt Whe y phonepayme ttho gho o«spo sesy tern,yo thou stot I tea ACHorelenoncpal e &thar bedebt df nyo ba keno nt F dsm ybe Ihda immy bank I srh day pocessye r payment, 3)Cayrngourtelephonenumber18009557070a dpo 4 gyo nform to m p e I \, 4)Pyme i bymal h Idbe ntt the ai qaddmsp dcd ~ thebotto pononofrhzzratemmt .Fmonl eoroverrh phon olth bun essdaywereceive t,azt g sthey m d by5p EI I ma I d payments, s of the bu ines& day we race vs t as long as. 1)you zend &he bottom pun&on ofthn slatemen&andcheckroihepaymentaddressonthefontofrhsstatement d2)yourpaymentmrece&vednour procewng centes by 5 p I wit e Pieazeagow at least o) bunness dam for mail delweq. Matted payments ece'd by us ate y othe loca&on o n any other fom may not be pedi&ed as of the day we receive them. tto you process pape checki ma Ef nm I F ds Transfer? paymenu wg be processed m one of two ways Whenyo po d cheko check nfomahontomakeapayment,yoaauthnr&zeusorouragentstousethe nior ato tomakeaonetmeAcHtansactonmo!he lemontcfundtransferfromyourdeposnaccountwemay also cthe I mato toprcesthepaymentasa&hecktaeamon what rft gl f 8 k~mtm 8 y u ate ant&dad to bankmptcy protecuon, tha commun&canon 8 fat inlonnatio only itnnotananempttocogn asessor noeradebtordaim Do teed ip y enlswithoutspevbngwlh you I nk pros&torney o Ihe Rankrup&OCourt Ifyouor yours&torney wouldtketocontanombanlv pt&yclams san&card redly, please mntan cap talons po Box 30285 salt lake Oly, UT84130O285 BILLING RIGHIS SUMMARY (Does plot Apply to 5mail Bus ness Acc u ld wh I 7 Do U You Think You Find A Mbt kaon Your Statement: Ifyouthi k there s an error on your state ent,wnte to us at Capmlene Po Bo 30285 Salt Lak C ty, U18413&l 0285 In ye rial&ca 9 m the foyowng informauon, Account lormaton You nam andacm ntnumbe Dollar amou t The doge amount of the suspened nor Descnotonofproblm Ifyo th krh s en anyou Mg,detmbewhatyoubelimarswrongandwhyyou bete e ina tlake Yo must conrad ur w thin 50 days alter the e mr appeared on your rt lament Voumusl oufy sole yp le u lenort&~wnnn Youmaycagusmnot&fyuselectronicayy,b I fyoudoweare nt eqwedtoi vmegateanypatet lerorta dyo ayhavetopayrheamountinquesli we rgnoulyyeu ~&n tn Ihi 30di f umecmptofyourleltet Whte e n esogatewhethero n tth h sbe a sr Mthefogow gae&mrt IVeca nottotocogecttheamo I q et, mep nyouasdefnq ento the&amon I The&bags q e to mayremano you statem nt,andw aymntmueloclageyou nterestonthalamo Bul, fwedetem ethat emad a r k,y wynorhaetopaylheamou tnq est&onmany terestorolhe fess& latedt the&am u r wht y do or ha ere pay the amo nt n quarto un&&I e sandy olc b rthe ulm colour net&get,y e spo btel rh «nda oly u&halanc wecanapplyanyu peda o Iaganstyo «mdrtmt Vnthngodwzofou&recmptotlo lett & Rse dyouamntennot qtanngethe lh t eco ectedtbe eno (toamea o yo r &state enlio tle eason belemlheby scorren Y Right Ifv AeaissatisfiedWnhvo C dnrt dP &chases.gyouaedssatsfred ththegmdso serrtcesthty h p«h d thyounedrcmd.andy ha tedmgoodfaahtocoecrthepmblem th lh eche t,y may haverhe ght not&op yth«gamo Idueonthep r haze Tous thanght,the toto gmatb t UYo mlh eusedyo oedacadfo ttt pmh p ch ze&mdewlhca\had ncetfm nATMmwaha heckthaiac&essesio road& ad cm td notqualdy,and Ifagofthemte aabo ewe m tandyo a ngd I fed mlhlhep clare ron&act s~nmn at. Capt IO e Po Boxl0285 5 It& k oty, uTRet300285 Whle e n as&gate, Ihe le poly lo rhe dsp led mo nt d c ed b e Alta we gnsh o slg I, lit gy am deo o Atthalponl, I rh kyouowea a ounlandy ud tpy my f.aptalo ezupports nl mat p no poteen see h Ie I mpraio acorn 42014c pt to & p,t lo z Iriemay &g\teedsw 4 ak Aarrlh\s es ed ETC 08 05I3 I H 4 Changing Address? Address Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone Alternate Phone E mail Address ~ Don't staple or paper clip your check to the payment slip ~ Please don't include any additional correspondencet ~ Last but not least, be sure to wnte the last four digits ofyour account number on your check. Please pnni address or phone number above using blue or black irtk 079 Page2of 2 Customer Bodice fe00003-3107 www.capltalone.corn Aug. 15. Bep. 14, 2014 31 Days in Biging Cycle i Platinum MasterCard NEW BALANCE $701.99 MINIMUM PAYMENT $25.00 Account ending in 4925 DUE DATE 0 , rlr Credit limit Available Credit: Cash Advance Credit Limit: $750 00 $48.01 Mso oo $48 O'I Previous Balance $721.67 j Payments and Credits $35 OO Fees and Interest Charged 115.32 Transactions New Balance $000~ = ~$701 99 LTPrANSACTIONS CONTINUED Important Notice* You are enrolled in Autopsy. Your selected payment of $35.00 wilt be debited from your bank account on your Due Date. If your payment is less than the Minimum Amount Due, you will need to make an addiuonal payment of the difference between the two amounts if your payment is more than the Current Balance on your Due Date, only the Current Balance will be debited 080 Page 1 of 3 CustomerBenricet~ www.Capita)one.corn Sep. 15 - Oct. 14, 2014 30 Days in Billing Cycle Platinum MasterCard NEW BALANCE $639.47 Credrt Lrmit: $750.00 Available Credit: $ 60.53 MINIMUM PAYMENT $25.00 Account ending in 4925 DUE DA1E Nov 11, 2014 PLEASE PAYAT LEASTTHISAMouxr Cash Advance Credit Umit: $ 150,00 MINIMUM PAYMENT WARNING: Syuumale only the mnmum payment each peed pm wa pay nore in interest and E var take yeu longer to pay off your babnce Forexampb Payment Amount Each Period If No Approximate Time to Payoff Estimated Additional Charges Are Made Statement Balance Total Cost lasnsm Palmwt 4 Veus I Sf FBS $27 sv I Bes Your estimated savings if you pay off this balance in 3 yean: $$9 If you woud liie nfwmel'on about mxft counsefng senuuw ua I-aatk$20865. Avaiiafrle Creciit for(asfindvances: $60 53 IATE PAYMENTWARNING: SSmuunOILBCBVetuurmnmumnaymentbyyaurduemifk ysu nay hwa klpar B Isk.'BB Bf up to$35 co Bnd MALr ApRB rmpj ha nuemed up u Ihe BASY APR ofEssay Previous Balance $701.99 j Payments and Credits $75.00 ) + Fees and Interest Charged Transactions New Balance I TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MELANY BASA ¹4925 I 06 OCT CAPITAL ONE ONLINE PYMTAuthDate 06 OCT 2 11 OCT CAPITAL ONE AUTOPAY PYMTAuthDate 11 SEP TRANSACTIONS FOR MELANY BASA ¹4925 16 SEP BUFFALO INILD WINGS 042SAN IOSECA 2 22 SEP LUCKY ¹763 SAN iOSESAN JOSECA Total for Melany Nasa B4925 W Towl Tnsnacfkxmltds Pened ($40 00) )$35 00) $ 1924 $ 23.24 $47AB Pay your bill online and take advantage of these nd other on-the-go services. Capital One" text massaging Card repmcement Travel notiTication Gmfsrymiorfum Log mto wwwmapita lone.corn ro take 7 300026-C advantage ofthese and other on-tne-go ~ervices, FEES Total Fees Thfs Penod $0.00 INTEREST CHARGE CALCULATION INTEREST CHARGED INTEREST CHARGE PURCHASES Total interest Thrs Perfod Transactfons continue on page 2 $ 15.00 $ 15 00 $ 15.00 $ 0 00 Your Annual Percentage Rate (APR) is the annualinterest rate on your account. Annual Percentage Balance Subiect to Type of Balance Rate(APR) Interest Rate Interest Charge Purchases 2490%P $ 732 86 Cash Advances 24 90% P $0.00 P,L,D,I = Varabie Rate. See reverse of page I lor derads PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VYWW.CAPITALONE,COM TO MAKE YOUR PAYMENT ONLtNE CaP~ital U Due Date Nov 11, 2014 Account ending in 4925 New Balance Minimum Payment Amount Enclosed $889 47 $25.00 I ) PLEA» PAY AT LEA5T THIS AMOUNT 4925 14 0889470035000025003 ENJOY 24I7 ACCESS TO YOUR ACCOUNT 'BF B IIB ~ nrv B L unmet B B Bueem MELANY RASA 44CID THE ILIOODS DR APT 1724 SAN JOSE. CA 95136-341 0 Capital One Bank (USA). N.A. P O. Box 60599 City of Tnuustr y. CA '1171l -05'f9 i " Ifi I)llftillli fl fltlff iilii 'l " Illtfl » » If i IIIIIIII Please make checks payable tu capital one Bank (UBA), N A. and mal vsyf thfs mupon 081 m)2 14 H w cant Avord p I I t est ch nest g you pay you state I's New Balance nfug by the duedate we wry notch Ne tee&to any ew transactom that post to thea chare tmia ce. H you h e bee payng your a&c nt ~ full wthno nterestcha go, bullhen you do not pay your n t'N w Balance' full, we w8 d age nte est on rhe panion f Ihe balance that you drd nol pay For cash advance and speoal bansfers, e 8 stan rha g ng interest o the nansao on date Now is tha I t t Ch appfied7 Intwe t rha ges accrue from the I) date of the tranmoron, 2) d te the nansaoion n processed or 31 bot calendar day of the b 8 ng pe od Imrest charges acnue on e ee unpaid amount unul rt v. paid I~ fug. itin means y ~ may o e rnterezt cha gee even I yo pay the entire 'New Balance' e th, b I d d not do so lor the p e Iom month Unpaid interest d a gez e added to t) e props segment of your Acmunt Howevet,wermewelherrghttonotamemrntemtchagesata ybme. Do you assam a hg imum tntewst &ha ~e7 Ye\ A m nimum INTEREST CHARGE ol 50 50 w 8 be assessed fo each bgingperrodyouramounths bieotoanrnteestchage Ho d you cal I I the I t mst charac? Irve uze a method mged A erage Daffy Balame lmlurlng new tranmcbonel. Undet this method, we fimt calculate you dmly balance; lor each sag menr, I) t ke the bwinn ng balance 4 add n new tra saoo s anrl the ped drc tntereztchage on the pe m dayv balance, then 2) subtao any payments and ocdns for thal mgment as of that day lhe result s the da ly balance fo each segment However, f yox pardyourprenousmonth'sbalancernfug(o fyo rbalancewaszerooracmdtamo nti,newtranssmonswhrchpmr to your purchase or spa&of purchase segments a e n I added to the dely balances. Alm, I ansao o s that are subiea Io agacepedodae otaddedrothedailybalances Nexr tofndynu Averageoalyfialance 1)addthedmlyb I c togeth rfo eachsegme t and 2)drvidethesumby the numbe of days rn Ihe b gmg cyde Attheendofeachbgingcyde,wedetetmineyou tnteestchageasfogowvamultrptyyourAveageDalyBalance bythed lypeadcralegiPRdmdedby365)forlhatsegmenl, d2) hplytheresultbythenumberofdayenlh blgngpenod NOTE D eto o ndingorammrmum nteestchag,thismlculatronmayvatyfomthe t r sl barge aouagy assess d How can my u 'abl Awual percenlaoe Rate (ApR) «ha g 7 Your AFR may ncrease o deuease based on oae flhefog wmgreponedrndrces (mponednyh wgstreetiournar),Togndwhchrndexouwdfmyou nl, look fo a letter code on the f I of th I statement new to your APR(s) Then check th» table below Code stout to yo APR() P I Howdowemlculateyou APR()7 Index+ ma ginlpreviouzlyMscloz dt y ) Pnme Rate + m g n 3 m nlhuBDR+ ma gin Pnme Rate + ma gin I month UBOR+ margm Whs y* APR() w 8 change Thefbslday f the bgngp odslhat d n lan, Apol, luty, and Oct Th f tdayofeach monthly brgmg pe rl A e th ~amocuted ith y cmunt2 Yes, unde cen o«m I neer, you may be assessed a IateorRetvmdpaymentfe Y mayalsobeassess doetmrfe s fpe ttedbylaw we ese ethenghtto ot assessfeeswth tpno n tres dwrho I a ngou«ghttoasm»ao I fe late HowmnlAvoidM b hioFws)lfaRerewaiNotce p ntedonlheio tofthsslale ent yo maya oid p y ganannualmembe hpfeebycontact gCuslome Se m etlan45daysaflerthel stdayinthebgmg ocle co eed by Ihsst lament Io equeHthatwe doseyn account To od payng am dtly membeshpf e. onlau Custamer sewce anyume to request that e I ay recco nt, and vswg stop ameswg yo r mo thly mbewh p fee Ho m I &mxnm~f YoumncontaoC &tom r5er ceanycmeto eque 1th l lo yow o nt Ar hattme, e'Be plananyaddmo 1st pstoaeo ntclosure. nclud g bala epaydown nfo ar ~ a db I e Whth ppen ifmyA&cnua&3&5uwMMAtW maydoseo suspe dyo acco landyourrghtloobt wdt atanyt di y e son,evenifyouarenI ndla It Accountmspe zo o b pe an I tempomry 8 y «amrs closed orsuspe ded yo t f1 stop usng your crerl trad a d account, 2) cancel ax t tc pay ants.3ld I y Roedlradsandaccesschmks,ande)nayaba ounrsyou e s, enfthey rechaged fte theacco ntwasdosedo susp d d Ho do IM 4 P I IAt yt e yuumaypaythem m mpsynent tl I r I padb I nce, anya o t b I en I'ayments sybemade nseveatways UO I ebygangtow,capt lonecomandlogg g I y 2)lelepho err mRep e5yslembydal gl abggu7070andfoltow gthe p ~ pt wbe yo makes plu epaymenttho ghou v e sp nsesystem you. Ih e t 1st anACHo eletroncpay e 1th I b debtedfmmy b k cco I F dsmayb thda niomyo rb, kaam tm thesameday e Ncay gourrf ph e br18009557070 dpo d gyo nfornato mom ep alt 4)P 1m I by alshovldbe e tt themalngaddesstx rid th b tromp n fthssr Ie e I F I e overthephon,asnftheb snessday emceiver,a log stheyaemadeby5pm ET. For ma lsd payme ts, m of the 5 s ness day we r ce ve \, as long as. I) iou send the bottom panion of rhrs stateme landchecktathepaymentaddressonthefontofthnstlementand2)y paymentnrecewedmour processing ca ran by 5 p Iwalume please agow at least Ol busmessdayzforwt I delivery. Marled payments ece edbyusalanyotherlocatro orms yotherionnmaynotbeoednedasoflhedaywe eceivethem, Doyou Pommp pe che&lmasan El 0 ' d T Her'I Paymentswtgbe prmmedrn oneof two way&.Whenyo p id ch korcheckrnformauonlomakeapayment,youauthoroeusorouregenbtousethe rnformat on to make a one e e AcH \ anmoo m othe elecuonic fund Uansfer from your deposb eccou t We may also use the info mat o to p cess rhe paym ntas a check transachon. what ifl file Mr 8 k pt 8. If you are entiUed to banknprcy protemon, ths communican ofolhlormanon o ly Hnnmanatt mpttocogeo amemorrecoveradebtordaim Do otsenrl ipaymntswthoutspeakingwnh your bankruptcy anomey o the IH buptcy Coun If you or your ano nay would lrke to &ontao our bankr prey derma eence d eely,please&ontao CapRalone PDBox30285 Saittakedty,UT84130.0285 BIFWNGRIGHISSUMMARY (DoesNorApplpro5 DBus s Amon lsl what To Do lf You Think You find A Mist ke 0 You Slatemenh tfyou thrnk there i\ an etror o your statement,witeto rat Capwlo e PO Bo 30285 Salt take Ory, Ut 84130.0285 Inyou le\a.g euslhefogowng fr mano Am nr nfom tion Yournaneandaccountnumbe .Dollaramount Thedolt ran untoflhes speoederror ~ewe to IPobl m Uyoulhmktherersa erro onyou bg,d K bewhatyoubelevenwmngandwhyyou be 1 eve I s a mute ke Yo m stco tactuswnhnfiodaysahe theenorappe redonyourst tem nt Yourn stn trfyu fa)'p lentaie oo wnt g Youmaycagusornotlyurelectonxallyb tlyo doweare n I eq ed to rnvesngate any pote tel ero I and you may have to pay the amount rn quesao We rg not fy you ~rnwnxn th 30d y fo rm ptofyourietter whl estgatewhettte ornottheehmbeenane or,thefog wingarelme IV nottetocogentheamou I nquesto,orreportyouasdelnq ento thatamount Tire chwger quarto m ir manonyourstatemenl andwemaymntn cloche geyou I r econ titatamoum 8&if d t m ethat sradeamstake youwdlnoth atop ytheam u t questonotanyrnterestorolhe fees elated turbot u I Ivh le yo do ot ha et p, y th o I n q canon nt I we seed you a notes bout the outmme I 0 t g t , you «* spo rible fw the erne nde of your balance. Weca apply y padano Iagm ztyouroemthmt Mthn godaysot r race plolyou lens& e R s dyo a tten not planrng cthe that: e coxeoed the Mo (toappea o yow e rstaten t)o thereasons ebelevethebfi scmrect Yo RtghtsHVo AeDs I I dWthYourCrednCardPurchases.gyoumedmalsfed ththegoodsor se c that y h p h d th yow credrt card. a 4 you have ared n good fath Io coned the problem weh Ih nedan&you nayha eche ghtnottopayth remaningamou tdueonthep chme T ethh ght.th UY stlae sedyou odncmdfmthep chase puchasesmadewthcashadan f m ATMm nha backchat cc &cryo roedtcadacmv I:o otq My, d Uag fth nte aabmeae eta dt uae tgdmatsged ththepuchase.contact s~na Cap tai 0 Po 8 30285 5 It take Oty. UI 84130 0285 Whl estqate. Ihe m e Ie. apply to Ihe dsp IW I dec sam boa Afte we f'h our eoigato. nbt lly d«on Arrhatpo t tfwethinkyouo ea moo tandy ud nlpaywemay Cantalo ewppons nlomarenp acypoteo e o b I I captalonecom 72014Caprelo C pr 10 afedeaby egsteedse cemak Abrqhts erer d ETC-08 05/3 Ut 4 Changing Address? Address Not quite ready to make payments onlineo No problem. Follow these simple steps to make sure we process your payment smoothly: I lome Phone Alternate Phone E-mail Address o Don't staple or paper clip your check to the payment slip o Please don't include any addttional correspondence. ~ Last but not least, be sure to wnte the last four digits of your account nufnbef on your check. a(ease prro(address or phone number above usinp blue or black ink 082 Page2of 3 Customer gavice I~ www.capitafone.corn Sep. 15 - Oct. 14, 2014 30 Days in Billing Cycle ) Platinum MasterCard NEW BALANCE $509.47 MINIMUM PAYMENT $25.00 Account ending in 4925 DUE DATE Nov 11, 201 4 Credit Limit: Available Credit: $ 750 00 $60 53 Cash Advance Credit Limit: $ 150 00 I Available Credit for Cash Advances: ~$ 60.53 Previous Balance Payments and Credits Fees and interest Charged Transactions New Balance $701.99~ $ 15.00 J ( $47.48 ) n ( $669.47 ( ~TITANSACTIONS CONTINUED TOTALS YEAR TO DATE Totalrees This Year $ 19 00 Total Interest This Year $95 14 *Impudent Notice'ou are enrolled in Autopay Your selected paymem of $ 35 00 will be debited from your bank account on your Due Date. If your payment is less than the Mimmum Amount Due, you wig need to make an additional payment of the difference between the two amourits. If your payment is more than the Current Balance on your Due Date, only the Current Balance will be debited. 083 201168 TAKE AN AUTO LOAN TEST DRIVE You test drive a car before you buy it Now TEST DRIVE a LOAN before you SIGN IT! capitalOfte Auto Finance gtearratalafQSKstelrrealatrtrater ra el tart".1 ~ tfP 1 ~ 1 ~ tert ~ rrrlFWRit ~ I:tel. *See reverse for important disclosures regarding this offer. uto loan for an online test drive with Capital Qnerr p for your next car. In less than ten minutes, you su're qualified for and there's absolutely ation. If you like what you see, say yes If not, you'e spent only ten minutes online in the comfort of your home or office. No Hassle. No Obligation. Find the Right Loan for You. Taking an Auto Loan Vest Drive is easy... Go to capitalone.corn/autoloans and apply. Once approved, you'l see what you'e qualified for. If you see something you like, we'l mail your no-obligation loan package. *See iever:e for important Crsclosores regarCing ttris offer Capias~)One Auto Finance 084 201168 IMPORTANT DISCf.OSDRES AND REQCIIREMENTS: I o le toqa&Lf& to tlus Sos & ng oft'e Ionmnsr be tleast18ve . t'agc ha an»mnn,mntbh me t'$1$&10 $ 1800& I, . Id t . t std s stlu riel' dgt tc o i I Po tOf6 d I rAPO) o Fl t Post 0th;FPO): 11 c s Auvc& u gC pt IOnc ccounts nust b ro&tetr. I &g Fu&i»& &g' &ore 'adsbh'u&ag stat The ortho su nlr b& «1st ne t' Irhl I I I e&& r . I &I I utn ofa» ci lgl &m k o. »,, 8 lv,nte&led t'n pr'& uu I s . Veluclr ruakl n st bc 7 ve»e «, I I & !«s tlu & 0 (tld ule tp I ~ t lm n e Olclsmob le D&e&roo Sa b Snznlu or Isum veluclcs (Vc do not ott'c& tiuanca&g fot comrncrc&el v luclcs, moto mclcs. cc ceto&nl tuel s (RVs,AUV&. h at , &au I e su,¬o homes, lemon &eiucles, Ivan&led r tie velucles, o vebcles tv thou& r Velucle Ideout at & Numbe O'IN) o r rle n&net Rc na& Ict nuca vela cl ro be conune ei or otbm»en&ebyblelts«&lon 0& mmlels&u!/m I'mu pu al I r . Pl» . »& «s &Iuulo e &/& ao rmnu'u&g fo& &Lbtomd&e r& n&&l Lto o t . ap&alo .« /, tol &un/I sle to . * «.Ie I I..l al«l Thrum&umnt lma. n & t s $7.$00.Yo»n.& .pplv to el » » r I t $40,000 I'c. Iu lessml pt $ $0,000 to use&1 ei I . T« » na I mn$ 6 to72 o tl Yo& Io. aunt sg I Iu n I I »i«v&1 t tL Iu Ic & I». ( u' .c fn ne& lu I .:. 1 th book &vbni sale slue to us 8veiuries) 'I'lusl n tat n 8 le I t«l n &ou loan p. I sr && I, no to Value "ICI'0" I «mpi, st tin &loco&the velucle that rou su ha& u&g s $ 2U OVV m&d & onr L I V lurut u I Kt'/, rheu vou lou& s nonnr ndl bc nn tc I to $ 2U OUC& v 11&i & - ID&2EOO O&hm fees sock .eral» sud cyst at&os t'ees ll apph aml am dependn&r,on stare. Mop ps& n & r p nslt&a spplr You pc I t » ngA m l pen etage Rat (APR) Uh I ~ 'I ' I 1, I I & lut m& Luu& I & ~,«'It luau»» . t Il » nan I cl»clc la&etc arcs Rst .: e sub& ct to lunge tlu a n Fm uuc t:tc,». t « ~ sl t I o»,'oUna& mg/ at Ar p . to .mpl otpno t'«m a a I 8o &I n mmmto&$ '20000 &h& ilg t '.OA . I rnnot'60mo tl, ~ Illa .. n c ntl h pa& neat or $600.76 I'ducts encl sea&ce& p&o &ried I r Carp&tal On, N. 0 (0 201( C p&t&I Ooc Cpuat Ouc anti Cap&tai Onc & to P& u'e ''I& ag& 't I'0 u&&co&s L AU ahr& c I 16000 (upn&I O * D& v, An 12088011110&1m&mul Vnpuu&2$2$8 T o uu« lu mul I lms& ., &I, '. 8& au &I I .» (apul C& a &uo Fuuu& &79 3 Pmro, lhl Pl o TR 7602A 085 Page 1 of 2 Customer Genrice fJIOOIRIFSEBT www.capita)one.corn Od. 15 - Nov. 14, 2014 31 Days in Billing Cycle Platinum MaaterCard NEW BALANCE $685.73 l Credit Limit; $750.00 Available Credit: $ 64.27 MINIMUM PAYMENT $25.00 Account ending in 4925 DUE DATE Dec ll,2014 PLEASE PAYAT LOIST rois Auouur Cash Advance Credit Lrmrt: $ 150.00 MiffiMUM PAYMENT WAR NiNQ fyou nake mfy the mmmum papnsnt each period, pm mt psy nore in intwest and t ws take yeu longer to pay us your tubnce. For exampu: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Miisnum Paynwni aves I si,om sty I sv~ Your estimated savings if yeu pay off this balance in 3 years: ssa If you wold like informsfun ebcm creurt counseling sswsces, cat 1 eaaataeins Available Credit for Cash Advances $ 64 27 LATE pAYMENI wnnfftffe swedemtrecwmlourminsnumfxementtylouroarwe lou may have le no a uie fee mupto 435mard pmrApns may be incressedus sr au PerdsrApR ofso.ep/ ! Previous Balance ( $68947 Payments and Credits $35.00 ) + Fees and Interest Charged Transadions $14.89~ 4 '16.37 New Balance $685.73 /TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MEIANY BASA ¹'4925 1 11 NOV CAPITAL ONF. AUTOP/LY PYMT/LuthDate 11 OCT TRANSACTIONS FOR MELANY BASA f4925 I 23 OCT BUFFALO WILD WINGS 042SAN IOSECA Total for Melany Base f4925 W TomlT~Tbia Pened FEES Total Fees This Period 635 00) $ 16 37 $16.37 $16.37 $0 00 AllWBQS cat 70UII'ei"VIICe... I'ay your bill online and take advantage of these and other on-the-go services. Capital One" text massaging (,.~ I~ Card replacemeot I.. Travel notification I l.og imo wwwmapitalone,corn to take 30001 S.C advantage of these and other on-toe-go services. INTEREST CHARGED INTEREST CHARGE PURCHASES Total interest This Pened TOTALS YEAR TO DATE Total Fers ibis Year folal interest ibis Year Transactions contmue on page 2 $ 14 89 $ 14 89 $ 19 00 $ 110 03 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account Annual Percentage Balance Subject to Type of Balance Ra 'ApR' Interest Charge te )APR) Interest Rate Purchases 24.90% P $70428 $ 14 89 Cash Advances 2490% P $0.00 $ 0 00 P, LD,F = Varnble Rate See reverse of page I for rletails PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WlNW.CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE. Cafa~tml e. Account Due Date New Balance Dec 11,2014 $68573 7 k ending in 4925 Minimum Payment $25.00 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed / 925 14 0685730035000025004 ENJOY 24/7 ACCESS TO YOUR ACCOUNT P rbks .Ck kr t ~ Re swiswssts s soeolil NELANY BASA 'lo00 THE IIOODS DR APT 172k SAN JOSE. CA 9513k-36bo lllsrrl Capital One Bank iUSA). N.A. P.o. Box b059'I City of Industry. CA 9171l -0599 I » Ill'IIIIIIIIIII'll iiilil Iliil I'l " illllliiii li I IIIIIIII please make checks payable to capsal one Bank (UBA), N A and maf wmh this coupon. 086 tvl 11 Ho ca 1Avoid pa lna Interest charaew If you pay your statement's 'Nmv lmlance' I II by the due date. e tllnot charge tnrerestonam ewtransartronsthatp stt the P cham bat &e. Ifyoutwe been pay gy ur mm nt tn I lt w th no nterezt &ha ges, bm then you do not pay your next'New Balance'n full, we will d arge mte est o th pun on of the balance that you dtd nol pay For cash ad a ces a d speuai transfer. e wilt iten chawng I terestontherranzadiondale H 1 the ~it r t ch nm appledi intact chan)es acuue from the I) date 1 the transartton, 2) date the t anmchon n processed or 3) hrst calendar day ot the mlltng pened tntermt charges acrtue on every unpad amount u Itin spaidin bit This ansy y we nterestchargeseven fyoupaytheenute "New Balance'onemonth, but d d not do so for the pretnous month Unpaid rnterest &knees a e added to the p oper segment of you A&mant Howe a&we s the ghtlonotassemnteetchaUesatanyume. Do you as\ms a Ml 't ws ch 7 Yes A min mum INTEREsT cHARGE ol SD 50 w li be asm seed lor each t lh g penod your account ssubiertloanmte estcha ge. Ho d ye cal late the I lemst Cha eel We use a method called Average Daly Balance (ndudng new tansactons).ands thnmethod,wetirttcalculateyourdmlybatance;fo ead segme t,Utakelhebegnningbalance d add In ne tr mam ns and the periodc tnterest cha ge on the prevous day's balattce, then 2) zubt art any payments and rtedns fo that segment as of that day The ran lt b the dary balance fo each segme I Howe er, 4 you padyou pevousmonth'shale ceinmll(ordyoutbalancewasteroorauedrtamoung,newrransarttons vhchpost to your p rchase nr speoal purchme segments a e not added to the daily balances Also, I a Omens Ih I am I bier to a g ace penod are not arlded to the datly balwces. Nexr, to hnd yo r Average Da ty Balance. 1) add the daily balances together fo mch segment, and 2) dt ide the em by Ihenumberofdays nthebdngcyde Atthee rlofea&hbllngqde,wedeterrnineyourinteestChargewfollow't)multiplyyourAveageaalyBalance byth dalype dc at (Apkdidedby365lforlhatsegment,and2)m ltplythe multbythenumberofdayztnthe bg gpenod NOTE Duetorou d goramnmum nicest«hage,thumlculatonmayvaryfromtheintereilcharge artuagy assessed HowcanmyV 'hl A IP« I Rt (APR)changeyYou APRmay nrteaseo dertesebawdonoe fthefog g eprtedmdces (rpondnTh wltgt tr nl) Tofindwhchinrlexnumdforyouraccount, look fora lettetcodeonthefontofthrssmtementnewtoyou ApR(s). The cher thelable bet Code next te youl APR( ) ) How do we calculate y APR(s)7 i whenymrAPA() 'md x+ arginfpmviouslydrsclosedtoyou) ] witt change Pnme Rate I margtn The frat day ofthe I 9 ng penods rhat 3 month ttaoR 1 ma g n end n lan, Apal,luly, andcrt 7 menate t margrn I month UBOR+ ma gtn The itrst day of each monthly brHmg pe md. A e them~a ocmted 1th y ccountT Ves, under certmn ere melan&as, you may beassemed a lateorxet medPay enlfee Vouwyelzobewesmd0 I tfees fpemttdbyla W ew the ightto ot as essfeeswthoulpn notes d th t awng umightt a«e\sazimla feelers. Howcanl A odMe bemhpFeeszlfaite ewaINotce sp ted thebo I fthsst te et yo maya 4 paynganannalmemherthp'eeby ntart g&usromelewceno oreth 45dysaflertheiasrdy thebghg &yde w cad by thn state e t to equ st that w tote yo accou t To avoid paying a m Ihly embeshp le, contart Customs Sen ce anytime to eq ezt that we dose your amount, d e wg stop asw g yo rhly b zh pl & How«a 1 rr m e . Toum co I rtc st er5er re ytmelomq estthatwe loseyow c.o I At rht ~ e, 'dept y ddm I tp to m ntclow, cldrgbalancepaydov rnfometonandtmeinm wh th pp if ywww& amp dmuw may lo o mspendyo ar&o Iandy r ghttoobtanrterlt aranytme and fu any eaton. even rf you a snot m default, Accounr susp noon mn b pe a nt tempo aq If y «u I I ed p ded yo 11) stop us 9 yew credt card and account, 2) cancel ail autnmatc payme rs3)destoyanrtedtmdsa d wesschecksand4lpay ga Isyouo ause en ftl y eechag d H d IMakepaymntslAra ylme,yo maypaythe mmpar ent,thelotalu pwdbalance,o yam t bt en pl numatbemadensevealways Uo I byg gto captalone corn andlogg:ng nroyouraccounl, 2)Telephon Ir &eResponsesyste bydnl g1.8009557070andfotl 9the &ep mots whe y makes to epayme 1th o gho oce esponsezyztem.youe Ihwte sto mmea AcHore'ertoncpayme tthat debt dh nyo ba kacm I F dsm ybe rhrla fo you b kacmu tattoo ethel day c pr say u payment, 31Callngo telepfo e u b rl 8009557070a dpo dmgyourmfm ato tooumepeze tl e, 41paym I bymal she Idbes nttothemalngadde zpo dedonthebettomporuonofrhssmle e t When vrglyo C~redhm Pa m ml F o 1 emwerthephon,asofthebunnessday ereceive Is&long stheyaemadeby5pmET. For ma led paymenls, as ot the bunness day we r cave t, as to g as. I) you send the bonom pomon f thu statemenl and &Awk to the paymem address on the front of thrs statement d 2) your payment s ec wd tn o r processing ce ters by 5 p m lecai I me Please allow at least(7) bonnets days for ma 1 deltveq. Marled paymena receivedbyusatanyolherlocalin na yotherf maynotbeuedtedasoflhedaywe ecmeth m. Do you Procem Pap r Checb w nn Elect I F ds T ansferl Paym nts wtg be pmcess d ne of two wz. When you provide a check or check rnformahon to make a payment, you ulhortte us ol our agena to use the tnformatrontomakeaoneumeACHtawactm mothe eleeonichmduansferhomyourdepmeaccount Wemay also em the nformai on to ptocezs the payment as a check I ansachon Wh I rf 1 file for ~REM . If you are entitled to bankruptq protewon thu communkahon s for informal on ly trrsnotanatlempttocogert,amessorre&overadebtordarm Donotsenduspaymentswthoutspealdngwrh your hanbuptcy a Homey or Ihe Bank uptcy Court lf yo or yo alto ney would itke to wntart ow bank uplcy dalms senicerdiredly.plearecontact Capitalone Pagox30285 Salrlak Gty,UT841300285 BIWNGIIIBHISSUMMARY (Do sNocApplyroz all Bus essAccounts) what To Do If You Think You and A tasmke 0 You statement: Ifyou thmk thee 7 an enor on you statement,write lo us at: Cap 1st One P.O.Box 30285 Salt lake Gty, 0184130.0285 In your lens r, give us the follow ng info rmat on. .Acco nttnfnrm tron Yourname ndac Inumbe. .Ongaramount,Thedotla amountofthesusperted ror belt eve rt u a m stake. Voumustcontart swithn60dayiahe thee o appearedonyou statement Yoummtnolilyuzofanypotenbalerron. n~wntrn Yo maycag smnotfy sel cloncagy,bul tyoudoweae nnlrecuredtotnestgareanypt I lwrtmadyo ayh ropnythea ountinquezto We tll otrfyyou ~rwnttn hh n 30 daw of our race pt of your letter Whle e n estgat h th o ttheelwbe a nocthefod ng eme W m nottwto&otiertrheaw ti q e lo mep rty ua deh quento thntamount Tltechagemquettonmayremano y u statem nt ard nayw I et ch U you twsto th tamwm 8 I, f edetem ethat de mtt k.y u II olhav lopaytheamouninqueztonotanyntwestorothet fees related to that amou t Whle you do not ha e to p y the arne nt n q esto u tl e se d you a norm about the outcome of our estigat , yo «e p hie fo the e de or ym r balance We can apply any u pad amo t agawt ye wdt l mt Wthn90daysof r ec ptofy lett & Howdy ua nte orxeepl n gexherlhatwecorertedthe ermr(toappea enyo n 1st te ent)o Ihe a b le th btl s«wt, YoutRtghtslfYouAeDosatbfedWthvo 4 drtc dP mh se.ltl ednmhsld Ihthegoodso sewcesthalyouh eprthased rthyouruedrcard.andyouhwetnedngodf thtomnrtlh pmblem th th rnedant,ye mayhawthe ghtn trop yth g u td rhepudme.fousethnngh& the foll w g mt bevue. Uvo maths e sedyo rcrwnc dto thepwh r p rth»de thcmhad nwf manATM wtha heck thw cease ay « d t estd cco I do not qual fy. a d 21 You must ot yet have fogy pad fm then chase dag fth rtte aabo ea nr dy tild t f d thth pw&wse.&onto&rut~no at Capt lane P 0 Bo 30285 Sa I lake Gty, Ut 84 I 30 0285 INNI est q I, the m e utes apply ro the esp ted no nt as dnc ss d bo e Afle e in ah 4 v strgabonwewgtegyo murlenson Atthatpo i, iwerm ky o ea wnt dwud Ip y e y cp nyouazd I q e I captalo esuppons fo ato pnmcypoteceo &ceo eb te I captalon corn o20tocaptalonecapwlonesatrdeally rpsteedte ce akAgnght ese ed ITC 08 05I3U14 Changing Addresso Not quite ready to make payments onlineo Address No proble(n. Follow these simple steps to make sure we process your payment smootiqly: llome Phone Alternate Phone F-mail Address ~ Don't staple or paper clip your check (o the payment sitp ~ Please don't include any additional correspondence. 'ast but not least, be sure to wnte the last four digits of your account number on your check. Pfeasc pnrtt address or phone number above using blue or black ink 087 Page 2 of 2 Customer gewioe 18008033837 www.capitalone.corn 0th 15 - Nov. 14, 2014 31 Days in Billing Cycle Platinum MasterCard unriurre $685.73 MINIMUM PAYMENT $25.00 Account ending in 4925 DUE DATE Dec 11, 201 4 Credit Limit; Available Credit: Cash Advance Credit Umit: Available Credit for Cash Advances: $750.00 $64.27 $ 150.00 $ 64.27 3 Previous Balance $689.47 Payments and Credits Fees and Interest Charged $3500 i 4 ( $ 14.89 I Transactions New Balance $685,73 l TRANSACTIONS CONTINUED *Important Notice* You are enrolled in Autonay Your se laced payment of $35 00 wig be debited (rom your bank account on your Due Date If your payment is less than the Minimum Amount Due, you wig need to make an additional payment of the dmerence between the two amounts. If your payment is more than the Current Balance on your Due Date, only the Current Balance wig be debited. 088 C'ayattalgr2e- Page 1 of 2 Customer Senrice 1401903.3637 www.capjtatona.corn Nov. 15- Dec. 14, 2014 30 Days in Billing Cycle Platinum MeslerCard NEW BALANCE $595.10 $25.00 Jen11,2015 E LEASE EAY AT lEAST THIS AMOUNT Account ending in 4925 MINIMUM PAYMENT DUE DATE MINIMUM PAYMENT WARNING; ifyw make orb ihe mimnum Papnrni each lmod you vd pay more in intwest and it we lake you knger to pay df yourbabrce. For example: payment Amount Each period If No Approximate Time to pay off Estimated Additional Charges Are Made Statement Balance Total Cost 4Y~ I M,imi- T- 3Yon 3994 Your estimated savings if you pay off this balance in 3 years: fea Credit Limit: $750.00 Available Credit: $ 54.52 Cash Advance Credit Limit $ 150 00 Spuwoukikkehfommfcnebc4tcrwiscourmengserums cat II3294055 Avaiwble Credit for Cash Advances: $54 02 IATE pAYMENTWARNiNG: Swedomtrecomyrmrmrimrmpaymmstyiourduecbte, yxi may have to pay a late fee cf rtr io 335ED ard pxxApns may te'ncreesedup to the Previous Balance Payments and Credits Fees and Interest Charged M4.26 Transadions/ $30.19 New Balance $69S.ig .. 1 (TRANSACTIONS ) PAYMENTS, CREDITS & ADIUSTIIIIENTS FOR MELANY BASA ¹'4925 I 11 DEC CAPITAL ONE AUTOPAY PYMTAuihnate 11 NOV 535 00) TRANSACTIONS FOR MELANY BASA Sr4925 I 04 DEC DENNYS ¹73IIBSAN IOSECA 2 12 DEC TAIWAN TASTESARATOGACA Total for Idrdeny Bess ¹49WI IM TolalT~This Ibmcd FEES Total Fees This Penod INTEREST CHARGED INTEREST CHARGE P ~ RCHASES Total Interest This Penod $ 22 64 $ 7 55 $30.19 $30.19 $ 0 00 $ 14 26 $ 14 26 Credit cards are only part ot the equation. Learn about all the ways we ran serve your neerjs at COPital one. COITT. INTEREST CHARGE CALCUlATION Your Annual Percentage Rate iAPR) is the annual interest rate on your account Annual Percentage Balance Subject to Type of Balance Rate OIPRI Interest Rate Interest Charge Transactions continue on page 2 Purchases 24 90% P $ 696 96 Cash Advances 24.90% P $ 0 00 P, L,D,F - Variable Rate See reverse of page I for details $ 14 26 $ 000 PLEASE RETURN PORTION BELOIN INITH PAYMENT OR LOG ON TO WIIIIW.CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE 4925 14 0695180035000025000 C'-ag t~~lOne Due Date Jan 11, 201 5 2 Account ending in 4925 New Balance Minimum Payment Amount Enclosed $505.is $25.00 PLEASE PAY AT LEAST THIS A M DUN'f ENIOY 24/7 ACCESS TO YOUR ACCOUNT ' y bit ck kyk 4 ~ Rex k i a metre r ROOO 9 MELANY BASA 4400 THE IIIOODS DR APT 1724 SAN JOSE CA 95131-3910 Capital One Bank (USA) N.A. P.O. Box 6059*t Crky of Industry. CA 91714-0599 i " ill'I'III'ill'i'll'IIII'I'illll'I'll " llliilllil'li I'IIIIIIII 4925 14 0695180035000025000 Otjg u) I4 How ca IA oid Pavina lntemstCha es'I lfyo payy u state I's'New Bala " Ngbythedued te,we I chage t e t n a y e transautons Ihat post to the purchase balance. If you have been p yn9 y ur ac&ount fug web no rnterestchatges, b t thony do o\ pay your next "Ne Balance'iniug, we wrli d arge nterest a th pomon ol the bala ce that you dd noi pay. For cash advances and sperial transfers, we will start cha g n9 te esr o the transauron dare. How is Ihe I t t Ch applied'I Inta&mt dtarges aume tom the I) date of the transaction, 2) date the tansactannpoceisedor3)hut&elands day olthebgngpe'md I terestchargesamueo evewunp idamouni unbl rt n pa d rn full The means you may owe nwrest charge even f you pay the ent' "New Balance'ne monrh, but dd ot dosolorthe pe mus mo th Unpaid nearest charges ateadded to the p opereegm ntofy Accoum However, we reserve the dght to nor asmss inrmestcha gee ate y erne. Do you ass ss w I m I t st ch I Yes A mnrmum INTEREITcHARGE of 5050 wril be amemed lot each bg gpeaodyoo ac&ountissubjecttoan nteestchwge How do you Calculate the I temst Cha ae'I We use a method caged Ave age Daly Balanre 8 during new I ansmton ). Unde thb method, e But calculate your dmly balance; for each segment, Il lake the beg nnng bala ce a d add rn new tmnsamons and rhe peund c rnterest cha ge o the pre ous day's bal ce, the 2) mbt wt any ymenl and crmas for that mgment at of that day The esult rs the de ly balance for each segment However, 4 you pard your p euous month's balame n full (or f yo r balance was ten ore crod lamountk new tmmacuons which post Io your Dutchess or specral pa chase segments a e not added to the da ly balances. Also, Iran sad ons that are subieu to a grace penod a e not added to the darly bala ces Next to find you&Ave age Da ly Balance: l)add the daly balancestogether for each segment, and 2ld d these by the number of days rn Ihe b il ng cycle At the e d of mch NH ng cyde, we date mrna your interest Charge as fogonw I) mulaply your Average Da ly Balance bythedarlypenodrcrate(APRdvidedby365)farlhatsegme \, d2)m ltplyth es ltbythe u berofdaysrnlhe bi g ~ wa NOTE 0 elo o dng aminmum nlerest&haue,thiscalculatronmayvaryfromtherntermlcharge aaoagy amassed How mn y Ya 'abl A el P* c t R te BIPR) changei You APR may rnuease or deuease based on e olthefoao mg eportedmdces (reponedrnyh walisr tf ag Tohndwhidt nde rsusedforyou account, look lo fetter code on the front of thrs statement ttext Io yout APR(s) Then check the table below Cd nwt yo APR(s) H wdo ec I I teyou APR(s)7 When yourAPR(s) Index+ wag nip evio slydis losedtoy u) wrgura g Pnme Rate I matyn The I rat day of the b 9 rtg pen odt that 3monthiIBOR+ maryn d lan, Ap I, iuiy. d Od Prme hate 4 m ryn I month IIBOR + marg n Th fmtd yofeach monthly brlhng pe d Ae there ena I «w ted th y I'I Ys, 6 «na 0 sla ces.you aybe usted ulcer R t n dp y entfee Younayalsobeassessedovelmtfees fpemttedbylaw wereserwthe ghtto ot ss ssfeeswtho rpnorn tceandwlho t a g ~ «ghtloamessasi ia festers. H IA idM b hi F 'IlfaRe e alNotcerspnntedonthefromofttnstatement ye maya od p yng I beuhpleebyco tam gCuito e SewcenomorelhanaSdaysaft rthelastdayinth Ng g cyi eedbyttmstt ntto q tlht d y accout Toe odpayingamonrhlymembeshpfee. tau c st sen«ce a ye e to equest that we close you account, and we 8 stop assewog y m rhly H & I cwwst~ Yo 4 I dc sto rsenecea ytme&o equeslthat ecloseyou acrount Al theft e 'Ile ol nanynddmonalstepstoacco ntclos, ncl dngbala cepaydo momatmnandtmelrnes whthppnsrfmy «ded tvemaydoseorsuspendyouraculuntandyounghttoobtanuedt tanyam a df y s, n fy I d butt Acmu t uspenaoncanbepemanento temporary rf yow acco& I rs lated ot suspended you mu t H stop 4 g y u uerht & d a 0 auo nt, 2) canal ag uco atr« paym ts.3)Get y iluedt d dame heu,andalpay ga ountsyouoweus,eventftheyweecbarged oh rheacm nt mscrosedmwdpended H d IM k P t IAta yt,y ypyth mumpay en&0;etotelunpardbalance. ranyam unt bet ee Payme u ay be marie seve al ways 00 I ebyge gto wwcapfalo ecomandlo&gng toyouraccou I, 2) el Im vo 8 p syt byd I gi.aotl.9557070 dfoao gthe ocepompts whenyoumakea pl pay tthoghou oceresposesystem,youathore sto mateanACHureleuoncpaymentthl b dbtmk ~ y b k rFudr yb,rhda fo you b I.acmunlossoonasthewmeday e euyou pay enr, 3lcalh eo t I ph 6 I aotl955iolo dpo dwyo r nfo alrontooutrepe\entalvm GPay eot by elshouldbese ttothemal gaddeupo dedonlh bottom p n fib&stat e I when wgi yo &red t M p Foonhneoroverthephone.as fih br emday ceca et,asl gastheyaemadebyBpm.ET For ma led payments, as of the busmess day we r cnv t, as lo g s. I) you send the bonom port&on of the statementandcherktoth paymnt ddess nthefontoflhastatemet d2lyorpaymenturemrvedmour procesnng centers by 5 p m loc lime Please allow at lea t(7lb «s days for ma I deivew Mailed paym ts recewed by us ar y ther 1omlron or tn any other fom ay not be ued ted as of Ih day we receive them. Do you p ocem paper checks a a Eleu I F d T weri p ymems wit be pocmsed in one of two ways When you provdea &he kmcheckrnfo mabonto makespay e t youauthorteusoreu agenuto use&he mformat on I make a one ume ACH I anmuron or othe electmn c fu d uansfer from yo r depo 4 account We may also use the information to pmcess the payment ass check t a sauro What if I Rle for ~gunk&a t . If yeu are e taled to bank pity p otecuon thu commumcabon e for information o ly Its notananemprtocollect asses or em adehtor&larm Donotsendusp ymentlwrlhoutspeaungwith your bankrupkyaltom y ruthe Bank pwy coun Ifyou or ye an ney o Idltke tomntau our bankruptcy daims sencerdneuly,pleasemntau c mtalOne pOBox30285 sahiak oly,uTB&130.0285 BIUINGRIGH155UMMARY (Does worxippry I 5 DBus ass Amounts) What To Do If You Yhink You Fnd A Mistake 0 Yo Statement: If you think there n an emr on your statement,wete to ut at; Caputu t PO Box30285 Mlt lake Oly, UI 84130.0285 In your laser, gwe us the follow ng i fo mation. Acco nt nform t Yo nameand account n mbe. Doge amount;The doge amo t fth smp ued ceo. Des ot ofpoble Hyouthmkthereuaneu y bf,ries hew rywhelce. mngandwhyyou believe tuamstake Yo m st&a tau I th 60daysaft rthe rorappeaedmryou statement Yoummtnoufyusofanypolenuale on tng Youmaycay sor tlyusueuoncagy,buttiyoudoweare nol eq rdtoin cng tea yp te tmierorsandyo mayh etopaytieamo ntrnqueston W wb tfyyou ~rn wntrn within 30 days of our rec pt of your lan» Whl n etg t h the or otlheehasbeenan nocthefollowwgwei e w c mottwt ma crrheamo I nqueston,or ponyouasdelnq ent th t t Thechage nq esu mayrma yo star et,a d may tenet chageiouuterestonth lama I 8 t, I d t fh I e mdeamstake,yo 8 not ha etopayrheamo t q t y terescorother fees related to ther amount .Wale yo rlo neth et pay the amount n q et rl e sad yo anotce hot the uto eofour seg t,yo «esp sblefmthe ma de ofyourbalan Wecanapplyany padam t g wtyomuedllmt Wlhn90daysofo swept fyoo lease lise dy a nt notcccrlannguthe that eco e&tedthe e orttoapp a o yo n twt r) th re so s eh I etheba scmreu YourhightsIfYo A Di tifi dWlhvowCredncadpowh ses Hiot aedasatnfed ahthegoods m ce thalia haepurclrasedwthyo ucdacwd.mdyo h mm godf rhi meulheproblem th th mewant ye yh eth ght ottopayrhermannga ovid eo thep«hase Toumtha ghr,lhe foll g mtb I us 1)vo maths e wdy «dtr df Ihepu&hae P wha de otl carl ader:cesfmm nATM Iha ch cktharaaess you uerltcad cco»tdo tq owy,a d 2)You uslmtyerhaveiugypad'o thep nisse Hag fth mte I er dyo,estadnsaaf dwhrhewxhase,&enter en wng Camtalu e PO 8 30285 Salt lake Oty. UT 84130 0285 Ylhle estg re. the sane le apply I Ih dsp led o I a dsc scd bo e rdre e I mb o etfehonwe gtegyouo da Arrhmpo Irfw rh ky «t, dyoudonolpay may Captaiunesupponsmf aa ny yp t u m ma ebvteat & p I~ m o2014capraione captelon &aide Hy egateedse ce k An ghrswwwwi ETC 08 I I I3 On 4 Changing Addressy Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone Alternate Phone F mail Addfess please pmut adr)ru 5 or pbuu0 uumbur abovo uaius blue or black iok. W ~ Make checks payable to Capital One Bank (USAL N.A. and mail with this payment slip. ~ Don't btaPle o( paPer clip your check to the paymef)t 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. 090 Page2of 2 Customer Bmvice I+000030607 www.capltalone.corn Nov. 15 -Dec.14, 2014 30 Days in Billing Cycle Platinum MaaterCard NEW BALANCE $605.18 MINIMUM PAYMENT $25.00 Account ending in 4925 DUE DATE Jan 11, 2015 Available Credit: Cash Advance Credit Umit Available Credit for Cash Advances: $ 54 82 $ 150.00 $54 82 Credit Limit: $ 750.00 Previous Balance $685.7~3 Payments and Credits $35.00 Fees and Interest Charged $ 14~26 Transactions New Balance l TRANSACTIONS CONTINUED ..1 TOTALS YEAR TO DATE Total Fees This Year $ 19 00 Total Interest This Year $ 124.29 *important Notice* You are enrolled in AutoPay Your selected payment of $ 35 00 will be debited from your bank account on your Due Date lf your payment is less than ihe Mimmum Amount Due, you will need to make an additional payment of the difference between the two amounts If your payment is more than the Current Balance on your Due Date, only the Current Balance will be debited 091 Page 1 of 2 Custorner Sendce IHRN0033637 www.capitalone.corn - --1 Dec. 15 - Jan. 14, 2015 31 Days in Billing Cycle Platinum MasterCard NE((Y BALANCE $720.53 MINIMUM PAYMENT $25.00 Pctxst PAYAT LEAST Txn AMOUNT Account ending in 4925 ~ DUE DATE Feb 11,2015 MINIMUM PAYMENT WARNINQ Ii you Nake oty Ihe mnnxm Famieni cab pema you mt pay more in inierest and 4 wfl lake you anger topsy df yourbabnce. Forexampn Payment Amount Each Period If No Approximate Time to Payoff Estenated Additional Charges Are Made Statement Balance Total Cost trrfmumpaymat I avion ' N,isa 323 3Yma I 3 I,O30 Your estimated savings if you pay off this balance in 3 years: 3123 Credit Limit: $750.00 Available Credit: $29.47 Cash Advance Credit Limit: $ 150 00 yyruucunniminIDrmabonatcutcreotccunselnosemms oa teaastaaDSS Available credit for cash Advances $2947 IATE pAYMENTWARNINM awedonxrmdmymrmriimumpaymentbyyxxduedate, yen may inyein pay a lais lee cf up to 333 oo md ymrApRa nay be txmassd ui to Ihe pennynfn is LB ap/ Previous Balance $695.18 I Payments and Credits I'35.00 Fees and Interest Charged $15.49 Transactions $44.86 New Balance ( $720.53 CTRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MELANY BASA ¹4925 I li IAN CAPITAL ONE AUTOPAY PYMTAuthDate 11-DEC TRANSACTIONS FOR MElANY BASA ¹4925 I 13 DEC MCDONALD'5 F1432SAN JOSECA 2 16 DEC DOMTREE 2083 000208345an JoseCA 3 16 DEC SHELL OIL 574II42588005AN ID%CA 4 16 DEC MCDONALD 5 F1432SAN iOSECA 5 17 DEC BURGER KINC ¹4186 0075AN JOSECA 6 29 DEC MCDONALD'5 F6545ANlOSECA 7 31 DEC BURGER KING ¹01932 Q07SANlOSECA 8 09 JAN MCDONALD'5 F1437SAN IOSECA Total for Meiany Base ¹4925 W TotalT nsacticmyhispenod FEES Total Fees This Penod Transactions continue on page 2 ($ 35 00) $ 1 09 $3 26 $ 15 14 $ 5 64 $4.33 $ 3 14 $ 6 62 $ 5 64 $44.86 $0.00 Pay your bill online and take advantage of these end other on-the-go services ,.R,.i ....„...„,.i .i (.=,RPN ~ Travel notiTiration vb+C I Log into www.cap(talons.com to take I v 3DDD23 C advantage ofthes and other on-the-go services. 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 ChargeRate (APR) Interest Rate Purchases 24 90% P $ 732 54 $ 15 49 Cash Advances 24 90% P $0 00 $ 0 00 p,L,D,F = Vari~hie Rate See reverse of page I for detafs PLEASE RETURN PORTION BELOW INITH PAYMENT OR LOG ON TO llNII/W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Gag telte Due Date Account ending in 4925 New Balance Minimum Payment Amount Enclosed 7,925 14 0720530035000025005 ;F Feb 11, 2015 $720 53 525.00 EN)OY 24/7 ACCESS TO YOUR ACCOUNT PLEASE PAY AT LEAST THIS AMOUNT 'P rt ii cn Ry 4 Reve i . ~ ri, xoiima NELANY BASA 4400 THE ILIOODS IJR APT 1724 SAN JOSE CA 95136-3al 0 CaPital One Bank (USA), N.A. P.os Box !0599 City of Industry. CA 9171I -05'i*l I " I'I 'lllilllli il IIII'I'IIIII I II " illlll'ili II " lllflill 7,925 14 0720530035000025005 092 Gi 14 H ca IAvoidp in I tuetch s'llfyo payyu Item m's'Hewlbla "inlBbytheduedte, e wil not chaUe interest on any new transacnons that post to the Purchase balance 0 you have been paying y ur o nt nf dwth o I stchages b lineny do otpyyournel Ne tblanm:mfug wewglchargeinteeit on Ihe pun on ot the balance that you drd not pay. For cash ad sneer and speoal tr nders, we w II start charging inta est an the I ense m on date H N the I t t ch appged) inta est charges amue fom the I) date of the tansacton, 2) date the tansmton spmceswdm3)brat&ale da day fthebgng pemxl I terestchaG sacoueo eveq unpaid amount u I I ri ~ pmd fn full. This mean! yau may owe Interest charges even &lyon pay the andre 'New Balance'ne ntonth, 0 I dd not do so for the p evrous month Unpa d tnt rest charges are added to the p oper segment of ye Acm nt Ho e, e eser cthe ghttonotassessinteestchagesatanytme. D you assess a hg I I I t ch 7 Yes A mrnrmum INTERE51 cHARGE of 50 50 wig be amassed for each btgrng pe od you acmunt o subiect to an tnterest charge Ho d yo Cal late the I temm Cheesy We use a method cagerl Ave age Daily Balanm bndadng new I ansacr one) Under Ibis merhod, e gut cafe tale your daffy balance; for mch segment, I) take the beginnng balance a d add n n Mmod s and th ped dic nte &eh ge the pe loosey' halamm then 21 subtadany paymenm and credit for that mgment as of that day The esult r, the da ly balance for each segment However, 4 you Ix dy pe ou\ma Ih'shale re nfug(ot fyourbabncewaszerooranedtamoung newtmnsamonswhirh post to your pard ase or spenal purchase segments a e not addwl to the da ly balances Also, transact&one that ere sulv act ta ayacep od e not ddedtothedalybala ces. Next,to indy urAverageDaly Balance Uaddthedmlybalancestogeth rforeachsegm r,and 2)dvid thesumby the mbe of days in the bgngcyde. At Ihe end of eadt bging cyde, we deterrmne your Interest Charge as fogowv U mutt&ply your Ave age Da ly Balance byth d lyped dc te(APRd dedby365)fmth iwgmML d2) uhplythe muhbylhe umberofdaysmthe blgngpenod NOTE D etoroundngoramrmmuminterestcharge Ihiscaic latonmayvalyfomthe nter stcharge t By am seed of the f llo ng eponed ind car (reponedin Thew risr eat Journal), Toftnd which ndex it userl f4 your acmunt, look fm a lett r code on the front of Ihs statement new to your APRls). Then check th table below. Code next to your APA( I P I How do we «alculab your APR(s)7 When y ur APA(s) Ind x 4 ma gin(pm Io slydlscl s dtoy ) wiRch nge Pnme ibte t margin The frstday of the bg ng penods that 3m thLIBOR+ aGI e d la,Ap I I ly a dOd p«menate+ gm I month UBOR + ma 9) The h si day of each monthly b0ng pen d. A Ih Addmnaacgees. *I t d Nh 7 m t. Yes, de cenainocumsta ccs.yourn ybea»emcda Iateo Ret edPaynentlee YounayahobeassemedOelmtfees fpemttedbylaw Werese eth ghtto nl ames lm Iho tp o one d thmt r gou eghltoamessasmlmfeelater. Ho nlA ordMembem~hi FestgaAenewalNotcenpnniedonthefr rtafthsstatement,yo maya md paynga n al e b nhpfeebyco tactnaC stomerserwe omamihan45daysak rth lastdayrnth bb g w is co eed by time&at e I r equest that we close you account Toe otd parrng 4 monthly membeuhp fee, canted C I mar Sar c a yama torequeztthatwecia&eye recce ni,a d Rat p me gy m mhly mamba Ih p fee H m I~ Yourn conlactCustomeriervce anyt me to request ihat we rlose your amount AI Iharnme, eilcpl yaddmonistepitoaccoumclosae clod gbalacepaydown fomalo andtmelias Wh th ppe s I y """ " "" "" "'Wemaydosee suspendyouramou tandyournghttoobtanoerla ata yt, dio 4 y easo e n fy narenoi ndefault.Accounts spensionmnbepermanencortempmary if y cmu r lowd susp d d yo must I) stop us g your credrr m d a 4 amounr. 2) cancel ag auromatc pay ets,3)desuyalloedlmdsadaccemchecks,and4)payagamo Isyouo e s,evnftheywee hargd afie d 4 & 4 t ides d Mpe ded. Ho d I ~Make I'a ment\ I At Mylme, you may pay the ninmum payment, the I I I npa d balance, nyam nt b t P ym I ayb m de I ays Uo I eiyg gt capt lm coma dl BDM I y «m 2)leiephoeumcehespowsysre bydml gl80095510)oandfoyowrnglhe orcepompwwhenyoumakea pi epay tihu gho o&e eip nwsyrm,yo a tho e to tat ACH I o mp y tth t bcdebiedhonym h ka&co et Fu de aybe Ihdmtnfomyourbankacco Ia soonasthesa eday e 3)&al'omte!&phoae be I BM9SS7070andpondngyo r nformaaontoo rrepresental e, 4)P y r bym: I I'bes ntt Ihemal g ddmspm d d nth b tt p no oiths r te When will you Credrt Mv Pavm t. .F onl eooverthephoe,asofthebusnessday c t,a log stheyaemd byBp.m.ET. . For matted payments, as of th bMnem day e race ve tt, as lo g as: U you mnd rhe bottom pon on of thts statement and check to the payment address on the ho I of thu st tern ant and 21 your payment n rem&vs d tn our p ocezs ng centers by 5 p m. local time. Please allow at least (71 business days for marl deltvery. Mmled payments tecewedbyusata yothe locatio ina yolhe fonnmaynotbemedtedasofihedaywereceruethem. oo y u process paper checb as an Elemnmm Fu ds Tran fa . Payments w 9 be processed rn one of two ys Whenyouprovrdeacheckorcheck nformato lomakea payment.youauthorzeusorouragentstouscthe infannanon to make a on I me AcH \ amaao m other elemromc fund transfer from your deposa accounl we may alsousethe nformatontoprocessihepaymentaiachecklransacton Wh I if I tile for BAnnlrru t& '. lf you are eni Ued to bankruptcy protemon, Ibis communtcauort iz for nforrnabon only. 0 re not an exempt to coged, amass ot remver a debt ordaim. Do ot e d m pay ants wrthout spmbng wnh yout tmnkruptcy attorney or the Bank ptcy Csun If you or your attorney would I ke to conrad ou bankruplcy cia&ms serwm d redly, please corxac& cap tai on po Box 30285 salt bke Gly, UT 84130G285 BlwNG RIGH15 SUMMARY (Does No&Apply ro 5mail Bus ness A«u t) what To Do If You Think You H 0 A wst ke on Your statement: 0 you th k Ihere 4 an e ro o yo r statement,wilts to i at Capital One P.O. Box 30285 Salt lake Gty. UT 84130 0285 In yon letter, gtve us the follow ng info mation. Acco nt nfmmaton You nameandaccou tnumbe. D40ar amount; The doge amount of the suspeded bel eve 4 a a m stake Youmusicontadui rthnbbdaysaflertheermappeaml enyo rstareme r Yoa mmt not fy us of any potenrml arrow n w~rb Y My call us nor fy us cled on cally, bur if you do we are nottequrmltoin eshgate nyp I t I dyoumayhavetopaytheamo m nquesaon wewignot(yyou ~mwatin vithn30dayzofourreceptofyo riettec Whie e n estigat h Ih o ttheehm been an error,the fogowing etna W c nottwro oil mrhea on I q esto,o«eponyouaidegnquento Ihatan unt. ThechaGe nqueiuor mayrmanony u stakm m, dw may&nnbnueiochmgeyourntemstontharnmount 8 I, I ed tern ethi e adeem lak,youp ynorhavetop ytheamou tmq astro 4 anyinterestorother feei elatedtothatamou I Whle you do not ha e I pay thea \ quarto untl we scot y wce b I the tm e v sbgM,y a«esp blelo the e andmofyo rbalam Wecanapplyany padamo tag ty «drl Wnhm90daysof r ec ptofy u lette e ilsendyo aweiennot planngethe that coo mad&its eoorgoapp a o yo n tnat me 0 th«om bole erh bli sco rect YournightsNYouA D mt f dwthY c dnc dp chases gyouaedasatisfed ththegoodsm w icesthalyouhaep xhazed thyo uedt rd a dy ha eared goodfalhtom edtheproblemwnh themechant,yo m yha th ght tr p ythe e a ngamou tdueonthep rchase To s thh ght,ihe foll w g itbetne 1)yourn&tham edy «da di then nh s Pm&hase&made ahmh d ance fom ATMe« tha che&kth rac& mes you oedr cad amou tdo otq Ify,and 21You ust otyerhaveftdypadlorthea chate gag fth ute aatm I dy «Iilnzs tiled Ihrheo xhaie Glad sinu at Cap I I 0 PO Bo*30785 Salt Lake Gty, UT 84130 0285 Whl e eztgate. these e ules aoply to th dwp td m r d u d boa Ah e I shout eslrgatroxwewgtegyeuo deem Atthatp I, I thnkyouoweanamoentandyo do otpay emay r p nyo aidel que I Capla10 esuppmtim'o atutp v cyporem b t at captalo eco G2014CaptalOne Captalon alede ly eq teedse &spark Ail vhtsmr ed ETC M 11)30)14 Changing Addresso Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone Alternate Phone F-rna I) Address P(Case print addr&ss or pbonn number Dbovo using b(uc or b)sck ink. ~ Make checks payable to Capital One Bank (USA), N.A, and mail with this payment slipt ~ 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. 093 Page 2ot 2 Customer Service t&DBGEDBID7 www.capitelone.corn Dec. 15- Ian. 14, 2015 31 Days in Billing Cycle Platinum MasterCard NEW BAIANCE MINIMUM PAYMENT Account ending in 4925 DUE DATE Credit Limit: $ 750 00 Cash Advance Credit Limit: $ 150.00 Available Credit; $2947 $72053 $25.00 Feb 11, 201 5 Available Credit for Cash Advances: $ 2947 Previous Balance I $ 695.18 j Payments and Credits $35.00 Fees and Interest Charged Transactions New Balance $44.86 ~ - ~$720.53 j ! LTBANSACTIONS CONTINUED INTEIIEST CHARGED INTEREsT CHARGE;puRcHAsES Total Interest This Penod TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year $ 15 49 $ 15 49 $ 000 r15 49 "imponant Notice* You are enrolled in AutoPay Your selected payment of 135 00 will be debited from your bank account on your Due Date. If your payment is less than the Minimum Amount Due, you wdl need to make an additional payment of ihe difference between the two amounts lf your payment is more than the Current Balance on your Due Date, only the Current Balance will be debited 094 Page I of 2 Customer Benrice 1401903.3637 www.cepitelone.corn Jan. 15- Feb.14, 2015 31 Days in Billing Cycle Platinum MasterCard NEW BALANCE $716.62 Credit Limit: $750 00 Available Credit: $33 13 Account ending in 4925 MINIMUM PAYMENT DUE DATE $25.00 Mar11,2015 PLEASE PAY Ar Ltksr Tais Amount Cash Advance Credit Limit: $ 150.00 MINIMUMPAYMENTWARNING: gioumakeodylhemhimumsaymemeachowiod you my pay rrme in intend and Iwp lake pm longer to pay ofi your babnce Fore mnpb Payment Amount Each Period If No Approximate Time to Payoff Estimated Additional Charges Are Made Statement Balance Total Cost Mrknum Papnent 4Yeas $1,148 $28 3Yeas $1,825 Your estimated savings if you pay off this balance in 3 years: $124 If pw wovki like hfmnstoil about cfedlt coiinsfrlllg serums, caf 1-888 3288055 Avaiialile Oed I for Cash Advances. $33 13 LATE PAYMENT WARNING: fwedono!mioveyourminimumPaymenlbyyourduecbte, you may have Io paya bie lee cf up to $35 CO ard pmrApns may be increased up to the Penaky APR d 28 oyl Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $720.53 j - ( $35.00 / + I M5.62 ) 4 $ 15.67 = I $ 716.827 (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MELANY BASA ¹4925 I 11 FEB CAPITAL ONE AUTOPAY PYMIAulheate12 IAN 035 00) TRANSACTIONS FOR IHELANY BASA ¹4925 I 16 JAN MCDONALD'5 F654SAN JOSECA 2 17)AN LUCKY OJ63 SAN JOSLSAN JOSECA Total for Itlhdany Nasa ¹4025 $619 $ 948 $15.67 Credit cards are only part of the equation. FEES W TOINT~This Period $15.67 Learn abeut ajl the ways we can serve your iieeds alCOPitalone.corn. total Fees This Period INTEREST CHARGED INTEREST CHARGE PURr HASFS Total interest This Pened Transactions continue on page 2 $0 00 $ 15 62 115 62 INTEREST CHARGE CALCUI ATION $ 15 62 $0 00 Your Annual Percentage Rate IAPR) is the annual mterest rate on your amount. Annual Percentage Balance Subject to Type of Balance Interest Charge Rate IAPR) Interest Rate Purchases 24.90% P $ 738 43 Cash Advances 24.90% 2 $0 00 P,L,O,F = Varmble Rate. See reverse of page I for detmis PLEASE RETURN PORTION BELOIN WITH PAYMEN1 OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 4925 14 0716820035000025006 ~gitugOne. Due Date I ' Mar 11, 201 5 7 '. $716 82 525.86 PLI:ASE PAYAT LEAST TIJIS AMOUNT Account ending in 4925 New Balance Minimum Payment Amount Enclosed ENJOY 2477 ACCESS TO YOUR ACCOUNT ~ P r mire Ck kr e I R e v eu eileo18/ MELANY BASA 9900 THE IIOODS DR API 172k SAN JOSE CA '15131 -3840 Ills» I Capital One Bank (USA). N.A. P.O. Box I DS99 City of Industry. CA 91714-0599 i " Ill 'IIIIIIIII Il IIIIII IIII ' Il " Illlllliti II 'IIIIIII 4925 14 0716820035000025006 095 H w can lA id P ina tnte~eit&ha srlfyou payy urstat menrs'New balance'infug bytheduedate we wg atchage nteresto aw e tan actons rhat post to the Puchme bala ce if you ha e been payrng yow mco nt in fog rh no I rest cha ges, but then you do not payyour next "New Balance'in full, we will cha getnterest o rhe ponon of &he bafame that you dd not pay. For cash advan&es and spe I transfers, we wf stan chag ng interest an rhe uamactmn date. Ho b the 1 t t cha ae appliedy Inlemst cha ges acoue from the 11 date of the 1 ansamon, 2) date the t ansamon u p mewed ot 3) h st calendar day of the b Rrng pedod Interest charges acoue on evety u pad amount u tilt pard n tug The mens you may ovw ntermt ebs gas even ifyou pay the ent e'Ne Balance'ne mo th, but d d not do s I the prewous m th Unpaid interest chetges are added to the p oper segment of yo Account How ecwe esewetherghttonotassessrnteestchagesatanytime. lio you assam a Mini I t est cham e7 Yes. A m nimum INTERE5T cHARGE oi 50 50 wcg be amewed for each b 1 ng period your account u subieG to an rntereit dwge Ho d you calcul te the 11 t chemo. We use a method caged Ave age Daiy Balance (ndudng new tensed om). Undw the method, e finl calculate you dely balance; for each wgment, li take the beynnng bal nce a d add tn new tamacd s and the pe drc ntermt &hogs o the prevrous day's balame, then 21 subtam any payments and cr das for that wgmenr as of that day The reruir othe darly balance for mchmgme I However, I you pard you p euous month's bala ce n full (or if yo r balance was zero ore Dada amount), new hanmo one which post lo your pu chas span el puwhese tegmen& a e n I added to the daily balances Also, i&a need&am th t are sub)ed to agracepe odarenot ddedt thedatiybala ces Next, to find yeu A e age Dmly Balance: I) add the dmly b I neer togerher for each sag menr, and 2) dwid the sum by the numb rof days in the bg ng cyde AttheendofeachbgingcydewedetemneyourinteestChargeasfogo s; UmuitiplyyourAverageDailyBalance bylhed lyperodcrate(APAdvrdedby365)forlhalsegment, d2)multrplythetemltbyrhenumbetofdays nth bgngpenorl NOTE 0 etorounrl g aminmum nteestcharge thismlculatron y aOfmmthernt reslcharge actuagy amassed How can my vadabl Anna 1P w ntaae Rate (APR) cha gel You APII may noease o deumse based on one olrhefoll ngreponedrndices (repaned yh wrisrreerio 8 Tofindwhchind uusedfrvyou account, lookforalette«deonthefrontofthsstat mentnexttoy urAPR(s) Ihenchecklhetablebelnw. Codenexttoy ur APR( ) Ho do e calculate your APA(sly When your APA( ) index+margin(pewousiydlsclosedtoyau) wig«ha g PrmeRate r egn 3 thirBOR+ magi the fr t day of the b Rrng p anode that endinlan,Apri,lrly,a dOU D I' Rate 1 ma gin l The frrst day of each F 1 montl UBDR 1 margn thiy b Rmg pened. Am th ~ od ted with y ccount2 Yes, de c rtarn 0 curn&lances you may be a s d a tate or Relu«d pay nt fee Yo may also be asseswd 0 el mt fees I pe mrted bylaw we csm e ti gl t to ot msemf swtho tpno os sand wthout amngou aghttoassemasimlarfeelate Howca I A idMe beohMF s lfairenewalNotm puntedonlhefontofthtssratemenl,y mayavoid p y r)a a 1 emb ohpfeebymntaong(esto e 5 xe omorethan45daysaherthelastday ntheblh g cydeco ed by the stat tto r q est lhatwe close you account Tea od pay g a m thly mernbeshp I co iud Cato 5 ca anynme 1 q est that e doe yout accou t, d wewg nop esse g y mo thly 5 nb pie . Ho m I~LTY ca contactcustomersenrkeanytmemrqestthat ado& yowauountAr th rtm, ega planany ddro alstep t cco ntclosuemcl dngbalancepaydo nfmmaaona dumeln s Whth pp fmy~defi W maydoemsmpendyouracmunt dy r ghctoobtannedt atanyr teandfo ay ea, n fyouaren rind fait.Amout penrencanbep manento tempo 0 rf y c nt rs dosed s spended yo I U stop usmg yo credrt card a d m nt, 2) cancel ag tumatic paymeuts,3)detoyagoedt d andaccesschecks, endo)payaga u tsyouoveus,e e 1th y rewch g 4 afr th cou t as d &ed o s per ded No dolMk pa menb7At yt ne,y umaypaythemrnmump ym t,ther talunpwdbalan&e. anya o I b twce Pay t ay be tnade \ev al ways Ho lnebyg gt camtalone&omandlogw g 1 y raccount, 2) telepho vmce Respome Sy I bydel ng 1.800)557070 and foll g th neap ompts vrhen you ok ph e pay 1 th gh o ace espome system, yn uth « to n tote an AcH oreledron c pay nt thar b debtedfo yo b- k w r F asm the thda niamyou b k co lassoonmthesameday 3)Callngm t leph ne b 18003557070 dpo rlngyour nfm tont our eprese tat e, 4)Pyme tsby lsh I'here tto\h mal 4 ddessp dedonthebonomp no oithastate 1 Whe Rly uCredRM P 1 F onlneoroverthephon asafthebs essdy «er,aslongastheyaemadebyBp.m.EI Formalapayrnenb,asotthebs essday eeceve ~,aslog s.oyo sendthebonomponanofthis starementandcheckloth payrnentaddressonlhelont fthsst tementa 421yourpayment ~ recerved nour pocesnng centers by 5 p I to please agrw at least (7) b srnem days for ma I der vew Mated payments recetvedby at are y othe locato o ma yotherform may not becredredas ~ fthedaywe recw ethem. liny u process paper&backs as an El*m I F d Tender) payrnentswg be pmcessedrn one oftwo ay Whenyouprovidearheck hecktnfomatronlomakeapay ent,youauthorzeusw ragentsrousethe tnformadontomake ann tmeAcHtanmctono othe eledonicfu duamferhomyo rdeposnacmunt wemay allo sethe nformalontopr &emth paym ntasa&heckuamamo wh t if I file for~hank u 1 . ify ac nttlerl to ba k uptcy pmtem n this commumcati isfminlormarwn ly It snotanauemptt mged assessorteoweradebto dam Donotsenduspaymentswth utspeabngwith yourba k ptcyauomcyo Ihegank ptcyCoun ifyouoryou attor eywouldlketocontadourba h plq dame se ce dreoly,pleaseco tact CamtalOne POllo 30285 5 Irlak Cty.UT841300285 BIIUNG IIIGHTSSUMMARf (Does Nm Apply r 5 ri Buwnessocm nrs) What To Do If You Think You H d A Mist ke 0 Your Statement: If you thi k there n an error on yo r state ent,witetousai Cap tel One PO Box30285 5alt take Oty, UT 84130 0285 Inyou lenengieusthefoyow g nfo at Acc r I m tmn Yournameandaccou t umbe D 8 amount Thedoga a o moflhesuspededero Descnotonofpoble ify Ih ktherersanero onyo bg,desubewhatyoubeieeuwrongandwhyyou bale t somsrake Y u nustco taaus ithn60daysafle theeuo pp aedonyo st tenant You stnotfyusofanypt&t ler tng Yo ycagusornoufy setectonxagy,but fyo doweae nnt equ edm netgateanypote rule one dye mayhavetopaythea o I qua&non Wemy otlyyou rn vnnngvuhn30daysofou emptofyo lel1e Whle m ewgl hmhetornottheeh she aneror,th folio ngaetnc Wecan otrwt ug ttheamo 1 quesuo, m porlyo asdelnquemonthat unt Th«hage quarto ay ma any state e r,o d w aym I et chageyou terestonrh remount 8 I, fwedeter neth I emad a nsrake youwgrot ha er paytheamou 1nq ti norany teesrorolhe fee I 1 dt thatar aunt vrhrleyoudo r hecto paythe I q ron ~ I e send you a tceabouttheo1m e f W anapplyany npad ou tag styo aewtl»t. vwrhn90rlaysofo r eceprofyou lrte. Ilm dyo a rte notcee pl ngetherlhatvmco ectedthe U«(malrpea o yo ne rsmte e I)mth r alo abele e the bg You Inght HYo A Dmnrsf dwthvau crednc dp h e Ry edasalsfedwththegoodsor ncesthatyouh epah d,th)orcredtcad.wdy h tedngoodfarhtom dth p blemwrh tie da t,yo maybe eche ghtnortopayrh re g w uid rh p hase iousetltr ght,lh fgo ngmstbetu DYo thee sedyo Dedtmdi th p «hase p cross\ edc Ih h 4 ncesfmmanAIMD Iha checkthataoewe yo 0 dtcardacco tdo otn My, d 2)Yo m tnotyetha elugyp dl th o rh se lfagofrh ore aabo eeet era dy solid \al I'rl thlhe uuhee, I eras n I gat C p 1st Oae PO Bo 302115 Salt Iak Gty, Ur 84130 0285 whl e vestqate, th me les apply r th dou 1 d u rtas deemed b e Aft e Rnuh ou stgahon,we ~ hregy d n At&i at punt I etl, kyo namou twdy 4 mp y ay oryo asdei qu C pta10 esupp ns f mt p acypo'em se 5 r I raptalo em& e'2014& ptalone cepr ro s Id Rymgsteen re ce k All ghrs eser ed ETC 08 1 U 3011 4 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Flome Phone Alternate Phone F mail Address P(0380 print addrDGB Dr phono numbr.r Dbovo using blue or black ink. ~ Make checks payable to Capital One Bank (LjSA), N.A. and mail with this payment slip. Don't staple or paper clip your rheck 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 acro unt number on your check. 096 Page2of 2 Customer Bmvice I200ICSIOT www.oapifalone.corn fan. 15 - Feb. 14, 2015 31 Days in Billing Cycle Platinum MaslerCard NEW IBAIANCE 6716.82 MINIMUM PAYMENT 525.00 Account ending in 4925 DUE DATE Mar11,2015 Credit Limit: Available Credit. Cash Advance Credit Umit Available Credit for Cash Advances: $ 750 00 $33 16 Msooo ~ $33 IB Previous Balance I $720.53 Q Fees and interest ChargedPayments and Credits $35.00 ~ + ( $ 1562 J Transactions New Balance J, I TIIANSACTIDNS CONTINUED TOTALS YEAA TO DATE Total fees This Year $0.00 Total I ~ terest This Year $31.11 *Important Notice'ou are enrolled in AuroPay. Your selected payment of $ 35.00 will be debited from your bank account on your Due Date If your payment is less than the Mmimum Amount Due, you wio need to make ari additional payment of the difference between ihe two amounts If your payment is mote than the Current Balance on your Due Date, only the Currenr Balance will be debited 097 Page 1 of 2 Customm Semme tcmaum www.capiialone.corn Feb. 15-Mar.14,2015 26 Days in Billing Cycle ) Platinum MasterCard NEW BALANCE $695.54 MINIMUM PAYMENT 525.00 PLEASE PAV AT LEAST THIS AMOUNT Account ending in 4925 DUE DATE Apr 11, 201 5 MINIMUM pAYMENTNARNING: Ifyoumakeontrlhera'nimumpaymemeachperrou,pu v41 pay more in inrene! arxl S val take you longer to pay off your babnce. For exampb Payment Amount Each Pefrod lf No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total cost klrenxnpaymen 4Yeux fioat tae ay~ j BNL Your estimated savings if you payoff this balance in 3 years: 667 Credit Limit: $ 750 00 Available Credit: $ 54 46 Cash Advance Credit Limit: $ 150.00 I Ave ilabfe Credit for Cash Advances: $ 5446$ If you xouki like iniormaam about crea rt munsding sanies, na 1468 3266066 ULTE pAYMENT wARNING: If wedo nut recure your mirenum payment ty your due date, pm may have N pay a late tee ct up N 63600 ard yourApne rrey be naeased up lo the PansyAPR of23.ay/ Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 716.62 ~ ( $35 00L ( (TRANSACTIONS J PAYMENTS, CREDITS & ADJUSTMENTS FOR MELANY BASA dr4925 I 11 MAR CAPITAL ONE AUTOPAY PYMTAuthDate 11-FEB TRANSACTION5 FOR MEIANY BA5A ry4925 FEES Total Fees Ttxs Period INTEREST CHARGED INTEREST CHARGE PURCHASES Total interest Ihrs Penod TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year Transactions continue on page 2 t$ 35 001 $000 $ 13 72 $ 13 72 $000 $44 63 / + $000 = ( $695.54 j7 All&3/5 BII poUII'ea'vllce... Pay your bili onbne and take advantage of these and other on the-ro services: capital one" text massaging Gmpr~Mrr~' Card replacement 'ravel notification ( Log into www,capitalone.corn to mke 7 3OOOJ6.C advantage ofthese and other on-tse-go services. INTEREST CHARGE CALCULATION Your Annual Percentage Rate iAPR) is the annual interest rate on your account Annual Percentage Balance Subject to Type of Balance R tApa) I nlerest C argeate PR nterest Rate Purchases 24 90% P $ 7184) $ 13 72 Cash Advances 24 90% P $0 00 $0 00 P,L,D,F = Variable Rate See reverse of page I (or detarls PLEASE RETURN PORTION BF LOW WITH PAYMENT OR LOG ON TO WVVVV.CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE, 4925 17, 0695540035000025005 ~pitwlQnp. Due Date Account ending in 4925 New Balance Mimmum Payment Amount Enclosed ENJOY 24/7 ACCESS TO YOUR ACCOUNT Apr 11, 201 5 $695.54 $25.00 PLEASE PAY AT LEAST THIS AMOUNT Pxr b Lrx 'CH kv X I * xurrutrr 2 NELANY BASA LILIDD THE ILIOODS DR APT 172LI SAN JOSE CA 9513l -36l 0 Capital One Bank &USA&. N.A. P.O. Box 10599 City of Industry, CA 91716-0599 I " lit' Illttlllt Il H IIII IIIII I'lf " lll H liltl II I Itttlilj 4925 14 0695540055000025005 005 mo Code he tt APRi ) P t Howdow calculaleyourAPA()7 I dex+ margi ip e louslydisdosedtoy ) p mehate& magn 3 me th IIIIOR+ wag n Pnme Rate + ma gin l month Ugoit + mary When your APR(s) wiilch nge The gut day of the 8 lling Cycles thai end mls, Ap I, luly, and OU The hrst d y of each 8 lling Cyde. il* I A idMembe~hfws. IiaRe e aIN tc cp ntedonthefrontoflhustate e t yo maya od pay g ualmembershpFebycontaurngcut tse cenolate thana5daysafle Ih latday ntheBRmg Cyl o eedhythsstat etio equestlhatwedmeynu mo \ Toavod payi g monthly me bmsbpFe, close y u am t, nd we tv II stop assesung yew onthly membership Fee H xaacoesuMBB&uxmlcyoum co tactcusromerse ca a ytmetorequmtrhatw dose you amo H d r Makep~emw Y um ymakeyo payment rnre erat ys 2 C plloneM blelb k gappforapprmed lectronicduces. 3 Ttleph V c limponseiystembydaltngrhet lephonenumbe tstedonthefrontofthastatmntand tol'o ng Ihe o p o pl, 4 Call gth Ielepitone umbe I tedonthefro lofth tat ments dp d gyom nlot at t our p e enlauve, H wCanlA idp vi oint tch 7ifyoupayyourstatement'sNewBalance nfulibytheduedate wewig nolchagey termton any ewuansauottslh tp tltothe purchases gme I lfyouha ebw pay gyour o nt full mthno Interest Cha gee, but the you do not pay your next New Balance rn full, we wit cha ge nlerem on Ihe ponon f Ihe balance that y u did not p y. For Cash Ad an«es and speoal Transfe s, we wtl stan charyng Inta est on the I ansaumn date. cenmn porn I onai offers may allow you to pay less than the total New Balance and a o d payinq inlerert charges o new purchases, please tefer ro the fronr of ye r statement fm addnmnal informat on. Ho mth I I \ &hares aongedl Interest Chargesacu e fom the rfale of the I anted on or the first day of the Brl ng Cycle. Interest Cha ges accme on evmy u pau amount until it is pa d rn fuit. This m saw. you may owe I temst Charges even rf you pay Ihe entre New lbiance for one 8 II ng Cycle, but drd not do so the prevrous Bill ng Cyde. Unpadl teestChargesareaddedtothecoresponrlngsegmentofyouraccount ~bo s a M nirnum I te t char el We may amass a mrnimum interest Charge of 50 50 for each 8 ling Cyder(y u c ntnsubfedtoanlnteestChatge. ~Hd o c I late the Int m ch el we use a method caged Average Deity Balance (ndudng new I&mrs&Irons) f F r t, fo each segment we take the begin iW lmlence each day and add in new t a mme m and the peri d c tnte est Chmge on Ihe p rene us day's balance. Then we subt am any pay merm and &redns for that segment as ol that day The as alt u the da ly balance fm each segment However rl your prew one statement balance was te o ore Ued t amount, new I anmchons whkh post to yo putchase segmenl am n I added to the daffy balance. 2 Nwr,foreachsegment,weaddthedadybalancestogerheranddveethes mbythenu ber fdaysinthe Blhngcyde.The es ItistheAveageDarlygalanceforea&hsegment 3. At thee d ofeach 8 Rrng Cyde, nemultpiyyourAvetage Da ly Balance lot ea&h segment by the daily pened c rate IAptt drv dad by 365) for that segment, and then we mutt ply the re sutr by the numbe of rap n the grgtng Cyde We add the interest Cha ge& for all segments together The rmuh u your total interest Charge lor the Btgrng Cycle NOTE 0 e to roundrng ore mmimurn Interest Chmge, Ihu catculauon may aly sttghtly from the Intmest Chame emu agy assemed H m Variable~APR chan e7 Your APR m y ncrease or deuease based on one M th I liow ng reported ries(reponed lhewailstreetxau 8Tofindwhd ndexnusedfo you accout,lookforalenercodeon thefontnfthssmt me I e ttoyourrlpli(s) Then heckrhetablebelo 5 5 dng mailpaymentstotheaddemontheiontofthisst r e twiththepay ntcouponoryn r accounr nfm I o H d vou P ac as~pa ment , when you makes payment, you autho te usto mttate an ACH or electmnx Mymentlhatwlbedebwlfomyo bankaccouto othe relatedacco nt.Whe youpm deadedrordeck mfo ati I make a payment, yo a thor&re us to use fo mat I \he check to make a oneameACH orolher elect on&cue sfer Irom yo r bank account We may also process ease check transact on Funds may hew thdmwn tromyo rbankacmu tassoonasthesamedayweprocemyourpayme t When will 0 edit Mv Pakmeap Fm bl,orlneo overthephone,asofthebusmessdaywe e&eiveit,aslongastheyarem debyBpm ET. Formated payments, as ol the burmem day we recuve I, as long as you se d the bottom poruon of thu statement and your che 5 ro Ihe payment address on the I ont of Ibis statemenl, please al w at least (7) bminess days fo mal deluery. Matedpayments race edby satanyother locauorlorp ymenminanyolhumm maynot beuedeedasofthedaywerecdv rhem H d A I MvPavme tTWegeneraltyapplypaymenuuptoy WMnrmumPayme tfnttothebalance withtheio estAPR(rnctud gONAPR) anrlth ntobalanceswthhghmAPRs Weapplya ypanofyourpayment e ceedngyourM&nmumPayme ttothebalancewhhthehighmIAPR,andthentabalanrmwthlowerAPRs Biignghightss lboeinotn~l t 5 Ilg si ssA&cou~nm wh t T Do If You Think Y Ei d A Mistalre On Yow 51 t menb if you thrnk the e u an error on yout sratement, me to us at captalonepo Box302855altukeGly,UTBai300285 In yo lehex gi e us the foliorving infonmt on: . Account rnlormat o Your name and accou I numb e .Dogaramo nt.fhedogar ountoflb s spmtedenor Descript o of p blem If you thrnk there n an enor on your b ll, descnbe hat p bel eve s wrong and why you beleve tisamnlake Youmusl&o toe wthnbodaysafte theerotappeaedonyo it ment Youmusr n hfy us of y potent I euou wming You may call s ot nohfy us elect oncally, but f)on do we are mt requmd tom eshgate any potentate os a 6 y may have to pay the amo nt n queslon. We mllnotlyyou n w tingwrlhn30d ysof meceptoiyou letter Whle I estgatewhelheto otrhewhasbeenaneron the foil w ger tr e WecannuttUtocogeutheamount n quarto meponyouasdelrnque to Ihal amount ihe charge n question mayrem o yoursl remen& and em ycontn etochargeyou nteeto thatamount But, fwedetenmnethat e made a mtstake. y If n I have to pay thea t n q eaton or any mt rmt or other fees lated to that amount Wh le you do ot h to pay the a u I quest o un&i we mnd y not ce abo I the o terna of our mvest get on, yo a e espo nble I the m nder of you balance wecanapply y padan untaga stye uedthmit Wlhngbdays foumr. ptofyou lettet; e Rmnd y a nttennotrce e pl gerber that vs m xu drhe n (t ~ pp a on you new ttatemendorthe ream webelevelhebll «0 Yo rldght HYo A Di tnmedVI&hYo &P ch t Ifyo medss iskM ththegoodso sermesthatyo have pe dw\ d th yo rued tea ri ri y h tned good fanhto co edlhe proble Ih the meehan& you myha elhenght tt n yth e an& gamou tdue nthepurchase T usethi ght,rhefolowmg tbe tr e UYoumusrha e s dy oedlcarlf Ihepu«hase pm&hasesmademlhmsh de csfmrnanATM ~ wth &heklhatmcsssyou oedtMdamoutdo otquldy. ri 2)Youmust otyethaelltypmdf thepucha li ii frh renaaboearemta dy aestlldmatsfed Ihth p cha .contauusn u gal C mralbnePO 8 302855altlakecty,UTB&1300285 Whle we n estg tc, th le apply to the dsputM amount as ds ed bme After we frmh ou nmtg t, e lit nyo owdec,sonluthatpont, f erh ky u eanamou ra dy d notpaywemay pon you as del q e I W2015cpt io captalo u led may g I edse cemak ETC.OB 03lolll5 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: I lame Phone Alternate Phone F-mai) Address etc aso print Uddr055 Ur phono Dumber Dbovr. using b(uo or b(8ck ink. ~ Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. ~ Don't staple or paper dip your cherk 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, 099 Page2of 2 Customer Bavice ICOOtMfay www.capitalona.corn Feb. 15 - Mar. 14, 2015 28 Days in Billing Cycle I Platinum MasterCard NBV BALANCE $695.54 MINIMUM PAYMENT $25.00 Account ending M 4925 DUE DATE April,2015 Credit Limit: Available Credn: Cash Advance Credit Umit: Available Credit for Cash Advances: $75000 i $ 54.46 $ 150.00 $ 54 46 Previous Balance Payments and Credits I $ 3500 + Fees and Interest Charged $ 13.72 I Transamions New Balance $0~00 = I 5es5.54 'I (TIIANSACTIONS CONTINUED *important Notice* You are enrolled in Autopsy Your selected payment of $ 35.00 will be debited from your bank account on your Due Date. If your payment is less than the Minimum Amount Due, you will need to make an additional payment of the difference between the two amounts. If your payment is more than the Current Balance on your Due Date, only the current Balance wnl be debited. 100 Platinum MasterCard NEW BALANCE $575.31 Credit Limrt: $750 00 Available Credit: $74.69 Page 1 el 2 Customer Benrice IJN0803-3837 www.capitaiona.corn MINIMUM PAYMENT $25.00 Account ending in 4925 i DUE DATE May11,2015 pLEA5 s psY AT Lrssr rais x wooer Cash Advance Credit Limit: $ 150.00 Availabfe Credit for Cash Advances: $ 74.69 Mar. 15-Apr. M, 2015 31 DaYs rn Biging Cycle i it MINIMUM pAYMENT wARNING: it you make owy the minimum papnebt each paixi, yuu xd pay more in internet and s val lake ybu knger to pay Bif your babme Forexampk.'ayment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Mnmum Paynwt $(.mg $77 3ymm BIS5 Your estimated savings if you pay off this balance in 3 years: $74 3 ybu wouk((Be nfonnaban about c refit ccunsding seraxe, od 1 Jarsstaa(65 IAT E pAYMENT wARNING: if us dmoi meheyour mnmum payment ty pmr uue dale, y(mntalhave Io nrr a Ialeiee oi uptotassn axl ysrlrnpns lrmr tebcrlxeed up toms nmayAPncf29407 Previous Balance Payments and Credits Fees and Interest Charged Transadions New Balance $69S.SO j / $35.00 I + + $14.77 J +, $0.00 = I $675.31L r ~TRANSACTIONS I PAYMENTS, CREDITS & ADIUSTMENTS FOR MEIANY BASA ry4925 I ll APR CAPITAL ONL AUTOPAY PYMTAuthDate 11 MAR TRAN5ACTIONS FOR MELANY RASA ry4925 1$ 35 00& Pay your bill online and take advantage of these and other on-the-90 services. Capital One'ext massaging Card replacement Travel notification FEES Total Fees This Perrod $0.00 Log into vrww capita lonen am to mke 300010.t advantage ofthes and other on-tne-go services INTEREST CHARGED INTEREST CHARGE PURCHASES Total interest This Pertod $ 14 77 $ 14 77 INTEREST CHARGE CALCULATION TOTALS YEAR TO DATE Total Fees Thrs Year Toml Interest ihrs Year $ 0.00 $ 59.60 Your Annual Percentage Rate (APR) rs the annual interest rate on your account Type of Balance Annual Percentage Balance Subject to Rate fAPR) Interest Rate interest Charge Transactions contmue on page 2 Purchases 24 90% P $ 698 18 Cash Advances 24 90% P $ 0 00 p L D F = Venable Rate See reverse of page I for detarls 514 77 $ 0 00 PLEASE RETURN PORTION BELOW WITH PAYMFNT OR LOG ON TO WWW.CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE. 4925 14 0675310035000025007 Te Due Date May 1 1, 2015 Account ending in 4925 New Balance Minimum Payment Amount Enclosed '' 7 5575.31'525.00 I PLEASE PAY AT LEAST THIS AMOUNT ENJOY 24/7 ACCESS TO YOUR ACCOUNT 'F rb r Cr* Xr b ave (Bmc( r xobela NELANY RASA L(400 THE WOODS DR APT 1724 SAN JOSE. Cs 95138-38i 0 Ill((BI Capital One Bank (USA). N.A. P.O. Box 1*0599 City of Industry CA 'I171I,-0599 I " Ill 'IIIIIIIII'll'IIII'I Iiill'I ' " lllillllll II " Ill'IIII 4925 17, 0675310035000025007 101 ot)2 Ia Code next to your APR(s) P I How do we calculate your APR(s)2 Index + margin (previously disdosed to youl P me Rate + margin 3 month 0 BUR + margin When your APR(s) wig &hange The I rst day ol the Bill ng Cydes that end in lan, Apiil, inly. and On Pnme itate + margin I month UBOR + maryn The first day of each Bigrng Cycle How mn I Avmd Membershio Fees& If a Renewal Notice I pnnted on the Itont of ths statement, you may avo d pay ng an annual membersh p Fee by contacting Customer Service no later than rt5 days airer Ihe last day in the Brg ng Cycle co ared by 14s statement to request that we dose your account To avod pay ng a monthly membezhrp Fee, close your account, and we Mg stop assctvng your monthly mernbe sh p Fee u r rr M a r You can contact Customer senrce anytme to request thai we dose your accaunt Onl ne and log g ng rnto your account, 2 Qpaal One Mob le Rankrng app for approved elertron c dev ces, 3 Telephone Voice Response System by drahng the telephone number lnted on the front of this state e tend fallowing Ihe oice prompts, z. Call ng the teleplrone numbe usted on the lrontetthrsstatement and pmvtdrng your rnfom at onlo our cp emmet e, Send ng ma I payments to the address on the front ofthrs statomnt w th ti e papneat coupon or your accountrnfonnatron H C I A *id P I I t st Ch M If you pay your statement'I New Balance in lug by the due date. we wg not charge you interest on any new Iransactrons that post to the pu chase ser)ment If you have been papng your account rn full w th no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the ponion of the balance that you did not pay For Cash Advances and Spedal Transfers, we wrg start charmng Interest on the tranmrtion date Certain promotional offers may agow you to pay less than the totalNewgalanceandavoidpayinginterestChargesonnewpurrhases Pleaserefertotheirontofyou statement for addrtronai inlornntion How is the Interest Charta anutiedy Interest Charges acrtue from the date of the transaction or the first day ol the Brging Cycle Interest Charges acoue on every unpaid amount unhi ~ i» paid in full. This means you may owe Interest Charges even if you pay Ihe entire New Balance for one Bdling Cyde, but drd not do so the previous Billing Cyde. Unpaid Interest Charges are added to the mrrespon ding segment of your account.~o* Mi I I t m ch z'I We may assess a minimum Interest Charge of 50.50 for each Billing Cycle rf your account z subject to an Interest charge. How da vou Calculate the Interest Charoez We use a method caged Average Darty Balance iincludrng new uansacuonsk First, lor each segment we take the beginning balance each day and add in new t ansadions and the periodrc Interest Charge an the ptevious day's balance. Then we subtract any payments and credits for that segment as of that day. the result is the daily balance for each mgmenl Howeuer, if your previous statement balance was zero ore credrt amount, new transacuons whtch post to you&purchase segment are not added to the daily balance. 2 Next, for each segment, we add the daily balances together and drvide the sum by Ihe number of days in the Erg rng Cyde The result n the Average Daily Balance for each segment 3 Al the end of each Bigrng cyde, we multiply yourAverage Daily fmfance for earh segment by the daily penodrc rate (APR d vrded by 365) ior that segment, and then we mulnply the resulr hy the numbe of days in the Bigrng Cyde. We add the Interest Charges for ag segments together The result is your total Interest Chargefortheeilling Cyde NOTE. Due to round ng or a minimum Interest Charge, this &alculation may va0 sl ghtly (tom the Intetest Charge artualiy assessed How can mv Variable APR chanoe Your APR may rncrease ordeoease based on one of the follow ng reported mdices freporterl rn The IVall 5 treat Journal). To lind whrch index n used for your account, took for a letrer code onthefromofthisstatementnexttoyourAPR(s). Thencheckthetablebelow: How d P«scPaxmewnsz Wher you make a payment, you authorize us to r tiate an ACH or eledromc payment that w 0 be debrted fram your bank account or other related account When you p owde a check or check informat on to make a payment, you authorize us to use information from the check to make a one time ACH or other elert orsc transfer from your bank account. We may also process rl a» a check Iransartron. Funds may be withdrawn from your bank account as soon as Ihe same day we process your payment, For mobrle, onlme or o er the phone, as of the business day we receive rz as long as they are made by 8 p.m. ET. For mailed payments, as of the burn ess day we receive it, as long as you send Ihe bottom porhon of Ibis statement and your check to the payment address on the front of this statement Please allow at least O) bunness days for marl del veg Mailed payments received by us at any other locat on or payments in any other form may nor be credrted as of dre day we raceme them How do vou Aonlv Mv pavment'r We genmagy apply payments up to your M ~ rmum payment first to the balance wnh the lowest APR (includrng 0% APR), and then to balances with higher ApRs we apply any part of your payment exceedrng your Minimrim Payment to the balance with the highest APR, and then to balances with lowerAPRs. Billing Rights summary (Bum nm AEPV to Bmd Btmsrma Acm~nls What Ta Do If You Think You Find A Mistake On Your Statement. If you think lhere is an error on yeur statemeat, wme to us at Capital One P.O. Box 30285 Salt lake Gty, UI Brtt 304285 In your letter, give us the follow ng information: Account informaoon Your name and account number, Dogaramount Thedoliaramountoithesuspertedeter . Descr piton of problem If you thrnk there rs an error on your brg, descr be what you bel eve is wrong and why you belreve rt I a mrstake You must contact us wrthm 60 days after the error appeared on your statement. You must notrfy us of any potenbal errors rn wrrting You may tag us or noufy us electronrcagy, but sf you do we ate not tequ red to investigate any potenrrai enors and you may have to pay the amount in question We wilt notify yeu n wrrting w thrn 30 days of our receipt of you leuer while we mvestigale whether arnot there has been an error, the fogovring are tr e We cannot tty to cogert the amount rn quest on, or report yeu as del nquent on that amolrnt. The charge ~ question may remain on your statement, and we may mntinue to charge you rntermt on that amount Bul, ti we dere m ne that we made a mntake, you w li not have to pay tire amount m quest on or any rnterest or other lees relaterl to that amount Wh le you do not ha e to pay Ihe amount n quest on untrl we send you a not ce about the outmme of our invesngation, you are responsrble for the remarnder of your balance We can apply any unpaid a nount aga nst your credrt limit Wrthm 90 days of our recerpt of your letter, we w 8 send you a wrmen notrce explarnrng ether that vre corrected the error lto appear on your next statement) m the tea sons we bet e e the b 8 s comet Your Rights If You Are Dissatisyied with Yo r purchase. If you are dnmtisfied wrth the goorls or sewrces that you have purchased w th yeur cred1 ca d. and you ha e toed n good faith to co rect the pmblem with the merchant, you may have the nght not to pay the remarnng amount due on the purchase To use Ihn ght, the togowrng must be true I) You must Ira e sed yew red I&a 0 Io the pu chase Purchases made wnh cash advances from an ATM or wah a check rhat accesses yow credrt ca d accouni do not qualify, and 2)Yourn stnotyetha efugyparlforthepuchase Ii ag of the otic rra above are met anrl you are st 0 rima 1 sf ed w Ih Ihe purchase, contart us n wnt ng at Czprtzt One P 0 Box 30285 Salt fake C ty, UT Ea130 0285 Whle we nvemgate, Ihe +me n les apply to the rl sputerl amount as ducussed above Alter we hnish our nvesugaton, &e ~ 8tegyouourdeoson Atthmpo t, fwethinkyouoweanamountandyou donotpaywe may eportyouasdelnq ent OZOISCaptaltlne CapralOneisafedeally egsieedsemcemark ETC 08 osr3ull'hanging Address? Not quite ready to make payments online? Address No problem. f oilow these simple steps to make sure we process your payment smoothly: j-lome Phone Alternate Phone F-mal) Address Please print arfdreos or phone rtumbrr abovo U ms blue Or black irtk ~ Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. ~ Don'. staple or paper clip your check to the payment slip.Cg ~ Please don't include any addttional correspondence. ~ Last but not least, be sure to write the last four digits of your account number on your check. 102 Page2of 2 tCrntomer Benrice ta!000fwfà www.capitalone.corn Mar. 15-Apr. 14,2015 31 Days in Billing Cycle Platinum MasterCard NEW BALANCE $675.31 MINIMUM PAYMENT 525.00 Account ending in DUE DATE May11,2015 Credit Limit: Available Credit. Cash Advance Credit Umit: Available Credit for Cash Advances: $ 750 00 $ 74 69 $ 150 00 $74 69 Previous Balance L $695.54 j Payments and Credits Fees and Interest Charged I $35.00 ~ 4 [ $ 14~77 Transactions + [ sooo J New Balance $675.31 (TRANSACTIONS CONTINUED *important Notice* You are enrolled in Autopsy Your selected payment of $35 00 will be debited from your bank account on your Due Date. If your payment is less than the Minimum Amount Due, you will need to make an additional payment of the difference between the two amounts if your payment is more than the Current Balance on your Due Date, only the Current Balance will be debited 103 Page lot 2 Customer Senrice tJNOOIMBU www.capitalone.corn Apr. 15 - May. 14, 2015 30 Days rn Billing Cycle Platinum MasterCard $654.17 MINIMUM PAYMENT $25.00 Ptsss I PAY AT Luur THIS AMOUNT Account ending in 4925! DUE DATE Jun ll,2015 MINIMUM PAYMENTWARNING: IfyoumskeodytemnimumPsy»e»teunsemdnm ms pay mac in i»toast erd t nil lake you longer to pay os ymr baunce Fore»amph Payment Amount Each Pediod If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost kevnm papmm ~ 4Vrms T BXIT $24 8Veas I OGS Your estimated savings if you pay off this balance in 3 years: $52 Credit Limit: $ 750.00 Available Credit $95 83 Cash Advance Credit Limit: $ 150.00 Sywucuulrkeinfoenaanetcmuedtcounsdrrcserycoxodl-ea! Ssatxes Available Credit for Cash Advances: $95.83 I LA "" " "'" NING: tvmdonmrecdwlosmidmrmpaymentbyyourduerbte, Wunuyhavempsyebteleeciupio$$500srdpmrApRs ybenuresedupiote PendyAPRol2amWI ! Previous Balance Payments and Credits $675.31 I' '35.00 ) + Fees and Interest Charged $ 13.86 Transactions 10.00 New Balance I'654.17 (TRANSACTIONS J PAYMENTS, CREDITS & ADJUSTMENTS FOII MEIANY RASA ¹4925 I 11 MAY CAPITAL ONE AUTOPAY VYMIAuiirDate 11-APR TRANSACTIONS FOR MELANY RASA ¹4925 ($ 35.00j Pay your bill online and take advantage of these and other on-the-r,o services. Capital One'ext massaging Card replacement Travel notification FEES Total Fees This Period $ 000 Log into wwwwapitalonewom to take advantage of these and other on t»ego servrres INTEREST CHARGED INTEREST CHARGE PURCHASES Total i»rerest This Peuod $ 13 86 $ 13.86 INTEREST CHARGE CALCUlATION TOTALS YEAR TO DATE ioml Fees Ii»s Year Total interest This Year $ 0.00 $ 73 46 Your Annual percentage Rate (ApRI is the annual interest rate on your account. Annual percentage Balance Subject to Type of Balance R t AFR I interest Chargea e ( P j nterest Rate Transactions continue on page 2 Purchases 24.90% P $ 677 36 Cash Advances 24 90% P 50 00 PL DF = Yarmbie Rate. See reverse of page I for detaris $ 13.86 $0 00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE 4925 14 065I,170035000025000 ICMIFitu~le. Due Date Account ending in 4925 New Balance Minimum Payment Amount Enclosed JUD11,2015 y $654.17 $2500 J I PLEASE PAY AT LFAST THIS AMOUNT ENJOY 24/7 ACCESS TO YOUR ACCOUNT RW» Hs Ck ky k R tm»mcr» s »w»rrr MELANY RASA »»00 THE IJOODS DR APT 172'I SAN JOSE. CA 95136-38t 0 Caprtal One Bank IUSA) N.A. P.O Box 60599 City of Industry. CA 9171l -0599 I " lii 'llillllll'll'Itll'I' iil 'l " llliillt H II ''ltlill 4925 14 065I,170035000025000 104 mlz 14 Code next to your APR(s) How do we cakulate your APR(s)1 Index + margin (previously disclosed to you) p prime imte + margin 3 month UBOR + ma gin When your APRlsl wi0 change The I rst day of the 8 ging Cydes that end in lan, Apel, I ~ ly, and Od Pnme Rate+ margrn I month I&BUR+ marpn The fpt day of each Billing Cycle How a I Avoid Mamba shio Fees? If a Renewal Not&car prrnted on the front of th&s statement, you may avo d pay ng an annual membent»p Fee by conrad ng Customs Servrce no later than 45 days after the lasr day n Ihe 8 0 g Cyde crwered by th s stahment to request that we dose your account To avoid paying a monrhly rnembenh p Fee, dose your account, and we wrg stop assesung your monthly membership Fee n & rr M a nm Ynu Can CantaCt CuatOmer SerV&Ce anyume ru request &hat We &lute yaur account How dolM k P m ntn Youmaymakeyourpayment rnseveralways 0 nb n e and log g ng & ~to your ac munt, 2 CaptalgneMobleBanbngappforappmvedelecironcde ces, 3 Telephone Votes Response System by drairng the telephone number listed on the front ofth&s statement and logowing the voice prompts 4 Call ng the telephone numbe I s&erl on dre front of thrs statement and provid&ng your &nformat on to our epresem t e, 5 Send ng ma I paymenrs to &headdress on the front ofths statement with&he payment coupon or your accovnt nlonnauon H* 0 I A id p iqgJndh&azksbzr&2 If you pay your statement's New Balance in full by the due date, we &vig not charge you interest on any new transadions that post ta the purchase segment . If you have been paying your account in lug with no Interest Charges, but then you do not pay your next New Balance in full, we wig charge interest on the portion of the balance &hat you did nol pay. For Cash Advances and Special Transfers, we wdl start charging Interest on Ihe tranmoion date. Certain ptomot&onal ogers may agow you to pay less than the totat New Balance and auo&d paying Interest Charges on new purchases. Please refer to the front ol your statemen& for addrtronai infommtion, How is the Interest Charac aoofiedz Interest Charges acaue from the date of the transawon or the first day ol the Billing Cycle Interest Charges acrtue on every unpaid amaunt until it is paid in fug. This means you may owe Interest Charges even &I you pay the eriire New Balance for ane 8&ging Cyde, but did not do so the prev&ou& 8&0 ng Cy de. Unpaid Interest Charges are added to the &orres p on dmg segment of your acmunt 0 «Mjnimum Interest charaez we may assess a m&nimum Interest Charge of Stl 50 for each Bill ng Cycle 4 your account is sublet to an Inrerest Charge. How do vou calculate the Interest charaef we use a method called Average Daily Balance (induding new transadions). I First, for each segment we take the beginnrng balance each day and add in new transaarons and the periodrc Interest charge onlhe previaus dayu balance. Then we subtraa any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, d your previous statemeni balance was zero sr a credit amount, new transad& one which pot& lo your purchase segment are not added to the daily balance 2 Nexr, for each segment, we add the daily balances together and divide the sum by the numbm of days &n the 8 II n g Cycle, The re su tt & s the Aver g e Daily iml an ca for each segment. 3. At the end of each Billing Cyde, we mulriply your Average Daily Balance for each segment bylhe daily periodrc rate IAPR d tided by 365) for that segment, and then we muiu ply the result by the number af days in Ihe 8 gtng Cyde. We add the Interest Cha ges for ag segments together. The result is your total Interest Charge for the Billing Cyde. NOTE Due to rounding or a minimum interest Charge, the calculauon may vary slightly from thu Interest Charge aduagy assessed. How can mv variable ApR chanaay Your ApR may increase or decrease based on one of the following reponerl &n drcas (reported in I'he Wail Stree I rooms 0 Io find which index &s used for your acmunt look for a letter code on the front of this statemenr nex& Io your AFR(sl. Then &heck the table below: How de~on Pro ess pa tsz When you make a paymenl, you authorize us to initiate an ACH or sled on c payment that wiii be debited from your bank account or other related account. When you pmvrde a check or check information to make a payment, you authorize us to use intormation from the check to make a one time ACH or other eledronic transfer from your bank acmunt We may also proces il as a check transartion. Funds may be Mthdrawn fram your bank account as soon as ihe same day we process your payment. W~hen will ou Cmd t Mv Pavmenty For mobile, onlme or over the phone, as of the business day we nceive it, as lang as they are made by 8 p.m. ET . For mailed payments, as of the business day we receive it, as long as you send the bottom poroon of Ibis statement and your &heck to the payment addrem on the front of this statement. Please allow al least O) bounces days for marl deliveq Mailed payments received by us at any other location or payments in any other form may not be credited as oi the day we receive them How do vou Aanlv Mv Pavme t'I We generally apply payments up to your Minimum Payment first lo the balance wnh the lowest ApR (indudrng 0'/, APII), and then to balances with higher APiis. We apply any part of you paymenl exceedmg your Min&mum Payment to the balance wrth the highest APR, and Bien to balances with lowerAPRs. Bigina Righm summarv IDceanotAaos DBmdl Bummmrtcmunbi what Ta Da If You Think You Find A Mistake on Your Statement: If you think there is an error on your statement, wnte to us at Capaal One p o. Box 30285 salt take city, UT 84130o285 in your letter, g&ve us the foyowrng mfa rm at&on: Acwunr information Your name and account nuinker Dobaramount Thedogaramountofthe&uspertederror Desa&pnon of problem. If you th nk them san error on your bill, descnbe what you believe is wrong and why you belt&re rt rs a mr&take You must contad us withrn 60 days after the error appeared on yaur statement. You must notify us of any potent&el errors in wr'mng You may tag us or nonfy us elecuonimgy, but if you do we are nat equ&rerl to in est&gate any potent&el errors and you may ha e to pay the amount tn question. We wdl notify you in v ntrng within 30 days of our e&e&pt of your later whle we invetl&gate whether ot not there has been an error, the iogow ng are Irue. We cannot try to collect the amount &n question, or report you as delinquent on that amount The charge rn quesaon may remain on your statement, and we may conunue to charge you interest on that amount But, if we deierm&ne that we made a matake, you w 0 not ha e to pay the amount rn qua&non or any mterest or other fees elated to that amount Whle you do not have to pay Ihe amount n qua&ton anal vre send you a nobce about the outmme of our rnvest&gatmn,youare esponsblefo the emamde&ofyourbalance &ve &an apply any unpaid amount aga net yo r crcd&t I&mr& Wrrh&n 90 dzys of our race&pi of yaur letter, we w&g send you a wrrtten nonce explarnng cthe drat e correded the error Bo appear an your next statement) or the reasons &ve bel cvc the big rs correo Your Rights If Vou Are Dr&satisfied With Your Pu chase If yo are 4 matuiicd w&th the goods or serv&ces ruat you ha e purchased with your cmrl«&ard, and you have &ned n good fath to corred the problem w&lh the merchant you may have the ngh& not to pay the rema&nrng amount due on the purchase To use this nght, the following must be &rue I) vou must have used your &red&& mrd for rhe purchase pu chases made with msh advances from an ATM or v th a check theta&&esses your nedn card acmunl do noi qual iy, and I) You mus& not yet have Ully pa d lor Ihe purchase If all of the mterm above a e met and you are st 0 drssatrsfred w&rh the purchase, con&amus m wrrt&ngat'pitl Or&a P 0 Bo 30285 Salt lake Gty, UT 84130-0285 Whle ne e&ugate, the mme rules apply to rhe dsputed amount as dncussed above After we fin&sh our n estgaton vewgtegyouourdension Atthat pont, fwetl nkyouoweanamountandyou donotpaywe mayrepotyo asdelnqne t 0 201'ap tel One Capital One &s 4 fedemgy regatered eence m k I I( 08 03/300 5 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly. I-rome Phone A)ternate Phone F-mai) Address Plraso pont addreos or phono nurnbor abovn uoing bluo or b(ach Mk, ~ Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip ~ Don't staple or paper clip your cherk 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. 105 Page2of 2 Customer Service I 4B09090N7 www.capltalone.corn Apr. 15 - May. 14, 2015 30 Days in Biging Cyde Platinum MasferCard NEWBALANCE $654.17 MINIMUM PAYMENT $25.00 Account ending in 4925 DUE DATE tun 11, 2015 Credit Limit: Available Credit; Cash Advance Credit limit Available Credit for Cash Advances: $ 75000 $95.83 $ 150.00 $95 63 Previous Balance Payments and Credits $35.00 Fees and Interest Charged f13 86 Transactions + Q $o.oo j New Balance $ 654.17 I TRANSACTIONS CONTINUED *Impudent Notice'ou are enrolled in Autopay. Your seleued payment of $35 00 will be debited from your bank account on your Due Date If your payment is less than the Mmimum Amount Due, you wiii need to make an additional payment of the difference between the two amounts if your payment is more than the Current Balance on your Due Date, only the Current Balance will be debited 106 iC~g» Page 1 of 3 Customer Ben/me tny)0803.3837 www.capjtalone.corn Platinum MasterCard NEW BALANCE $2,053.77 MINIMUMPAYMENT $44.00 PLE/ISE PAYAT LEAST Ters AMOUNT Account ending in 4925 DUE DATE Jul 11, 201 5 MINIMUM pAYMENT wARNING: Ifyournake we/the mhimcm pnowmeachtmcd yru will pay more in tntwesl and s vdl take imr longer to paY ofl lour bderce Fo emnpn Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Mnmum Pannml 1$ Ymm $82 sv~ Your estimated sadings if you pay off this balance in 3 years: Sz,nea Credit Limit $2.250.00 Available Credit: $ 196.23 Cash Advance Credit Limit: $ 15000 lf)ouwculdlrkewomnsonebculrratitcoumdrngserwces mt tnseaeaaoss Availabie credit for cash Atlvances: $ 150 001 IATE pAYMENT wARNING; swedonctmosmvaurrdrimumpaymentbyyourdndan nm ITM/ have lo my a late lee of opto $36 OO anf ytur APRR fnri tekrxemrd up I 0 en PennyAPR of 2940 A. Previous Balance Payments and Credits Fees and Interest Charged $654.17 I - I $ 125 00 ) + I $22.41 j + Transadions New Balance C $ 1,502 19 = $2,053.77 Jy Renewal Notice - Your 07/2015 bill will include your $ 19.00 annual membership fee. The reverse of this page expiams how you may close your account and avoid thrs iee. Both srdes of thrs page provrde important Informabon about your rate(s) and how your interest charge is ralculated (TRANSACTIONS PAYMENTS, CREDITS 8 ADJUSTMENTS FOR MEIANY BASA ¹4925 I 21 MAY CAPITAL ONE ONLINE PYMTAulhDate 21.MAY 2 11 JUN CAPITAi ONE AUTOPAY PYMTAuthDate 21 MAY TRANSACTIONS FOR MELANY BASA ¹4925 23 MAY RAMEN MISOYASANTA CIARACA 2 31 MAY MAIN ST. BAGELSAN IOSECA 3 31 MAY I.UCKY 4763 SAN JOSESAN JOSECA 4 02 JUN IARGEI 00019273SAN JOSLCA 5 02 JUN PEETS 16202SARATOGACA 6 07 JUN DELTA 006/6238658200BELI.EVUEWA IK¹ 006/6238658200 PSGR RASA/MEIANY ORIG SJC. DEST SEA 5/0 0CARRIIR Di SVC V Transactrons continue an page 2 O75 00) ($ 50 00) $ 33 01 $ 14 18 $4.00 $79 28 $2 75 $ 214.20 Check your valance directly fram your phone and. n Vrew recent transac'.runs n Pay yaur Capital One bill e Check your rewards balance Co ra m.capitalone.corn on your mobile dewce and manage your account at the speed af yau Purchases 2490% P $ 1,059 85 Cash Advances ln 90/. F $ 0 00 P,LD,F = Varrable Rate See reverse of page I for detaris 522 ni $ 0 00 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual mterest rate on your account Annual Percentage Balance Subject to ype of Balance R t (ApR'ate (APR) Interest Ratet Interest Char9e PLFASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITA(ONE COM TO MAKE YOUR PAYMENT ONLINE 4925 14 2053770050000044007 Cataitn~le Due Date JUI 11, 2015 Account ending in 4925 New Balance Minimum Payment Amount Enclosed $2,053.77 I $44 CO PLEASE PAY AT LEAST THIS AMOUNT EN/OY 24/7 AGGESS TO YOUR AGGOUNT 'ay t»rrs 'Ch ky k R r t ahmrt xomrlrl NELANY BASA 4400 THE IIIOODS DR APT 1724 SAN JOSE. CA 9513l-3860 Capital One Bank (USA), N.A. P.O Box L0599 City of lndustr y. CA 9171t,-059'i I " lfl IIII)illlil II fill(i in lf" I " Illlllf'il li I Ii)lllll 1,925 14 205377005000001,1,007 107 Cade next to your APR(s) How do we cakulate your Apg(sn When your APR(s) Index+ margin(previously disdosedto l wigchange you) Pnme Rate + margin 3 month LIBOR + margm The firer day of the Brymg Cydes that enrl in lan, Apr I, Iuiy, and Oct Pnme Rate + margm The fin t day of cadi 8 II ng Cycle I month UBOR+ margin How can I Avoid Membershio Fees? If a Renewal Notrce is printed on lire front oi this statement, you may ave d payrng an annual membersh p Fee by contact ng Customer 5en tee no late than 45 days after the last day rn the Bdl ng Cycle covererl by th s statement to request that we dose your account To avoid paying a monthly membetsh p iee, close you account, vnd we w 8 stop assesstng your monthly membershrp Fee tr I cr Nly AccnuatL You can canton customer score anytime to request that we dose your acco nt How do I Mak~apa mentsz Yau may make your payment tn several ways Onl ne and log gmg rnto your account, 2 CamtalnneMobilegankngappforappro edeleuronxdevices, I Telephone Votce Response System by dmlrng the telephone unbar lrsted on the front ofthrs statem. I and iolowrng tire o ce prompts, 4 Cay ng Ihe telephone numbe hsted on the front of Ihs statement and provirlrng yn mlormatron to our rep esentat ve, 5 Sendmg malpaymentstotheaddressonthefrontotthrsstatementwthlhepaymentmulronoryo r acco nr mformat on ~How I A id P in Int t Ch sz If you pay your statement's New Balance in fuk by the due date, vre w 0 not tha ge you interest on any new trartsaorons that post to the purchase segment . If you have been paying your acmunt in lug with no Interest Charges, but then you do not pay your next New Balance in full, we mg charge interest on the portion of the balance that you did nol pay. For Cash Advances and Special Transfers, we viig start charging Interest on the transaoron date Cenain promotional offers may allow you to pay less than the total New Balance and avord pay ng Interest Charges on new purchases. Please refer to the front of your statement for additional informabon. How is the Interest Chargeealiedz Interest Charges accrue from Ihe date oi the tmnserio n or the first day of Ihe I!Iging Cycle Intetest charges acaue on every unpaid amount until lt is paid in fug. Thn means you may owe Inletesl Charges even if you pay the entire New Balance for one Billing Cyde, but did not do so the previous Billing Cyde unpaid Interest Charges are added to the corresponding segment of your account. D vnu assess sunimum t t t ch ez we may assam a minimum interest charge of 30.50 for each Bigmg Cycle rf your account is sublect to an Irtte rest charge How do ou calculate the Internist charoe'I we use a method called Avetage Daily Balance bncludtng new transadions). I Fist, tor each segment we lake the beginning balance each day and add in new transactions and the penodrc Interest Charge on the previous dayk balance. Then we ~ubtract any paymenls and oedits for that segment as ol that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a uedrt amounL new transactmns which post to your purchase segmenl are nor added to the daily balance 2 Next, for each segmenk we add the daily balances together and divide the sum by the number af days in the Bilhng Cycle. The resuh is the Average Daily Balance for each segment 3 At the end of each Billing Cyde, we multrply your Average Da ly Balance for ewh segment by the darly peri adrc rate (ApR drvided by 365) for that segment, and then we mulu ply the result by the number of days in the 8 Ring Cycle We add the Interest Charges for ag segments together The result is your lotai Interest Charge for the Billing Cyde. NOTE Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the I ~ rarest Charge actually assessed How mn mv Variable APR eh~a ez Your APR may mcrease sr decrease based on one of the follow ng reported ind ces (reported in The Wall St~eat Journal) To lind which md ex rs used for your account look for a letter mde on Ihe front of this statement next to your APR(s). Then check Ihe table below. Ho d vou pr «p tsy when you make a paymenL you authonze us to inrrrate an ACH or electro c payment fhat wrg be deb ted from yaur bank acmunt or other related account. When you provtde a check or check information to nmke a payment, you authorize us to use information from the check to make a one I me ACH or other elecrmnic transfer from your bank account. We may also process it as a check transacr on. Funds may be vr thdmwn from your bank account as soon as Ihe same day we precast your payment When will CmdRMvPavmentz For mob le, online or over the phone, as of the business day we receive it, as long as they are made by 8 p m. ET For mailed payments, as of the busness day we receive it, as long as you send the b anom pon on of this statement and your check to the payment addrem on the front ol this statement please allow at least p) business days for ma I d eileen), Mailed payments race ved by us at any other location or paymenks in any other form may not be c edrted as of the day we race ve them. llo d vou Aaolv Mv Pavment We qene ally apply payments up to your Mrnrmum Payment first to the balance wnh the lowest Apk lnd dmg 0% ApR), and then to balances w th higher Apils we apply any pan of your payment exceed ng your ivl n mum Payment to the balance with the h g hest APR, and then to balance» with lowerAPRs Bigina Riohts summary iooeanotAmh logmat Burmese Acerb) what To Do lf You Think You Find A Mistake On Your Statement; If you Ihink there is an error on your smtement, write to us at'AP tal One P 0. Box 30285 Salt lake Cily, 01 84130.0285 In your letter, gwe us the foilovnng mformaaon: Account rnformatton Your rrame and account number Dayaramount Thedollaramountofthesuspectedeuor Descriptran of Problem. If you think the e rs an error on your big, descrrbe what you believe n wrong and why you believe it s a m stake You must contao us within 60 days after the ermr appeared an your statement. You must notify us ol any potenrial errors in wriring You may call us or notify us eleuronimgy, but if you do we are not requrred to n est gate any potential coors and you may have to pay Ihe amount rn question We wrg notify yourn wrrtrng wnhin 30 days of our eceipt of your letter Whtle we tnvestigate whether or not rhere has been an ermr, the follow ng are true. We annot try to rogect the a nounr in quesion, or repon you as dehnquent oe that amount The charge in qumt on may remain on you statement, and we may cont nue to charge you rnterest ort tlrat amount But, rl we date m ne that we made a mntake, you w 8 not have to pay Ihe amount in quest on or any mterest or othe fees related to that amount While you do not ha e to pvy the mnount rn qur st on unt I we send you a nobce about the outcome of our in est gal on, yo are respmisible for the terna nder of your balance We can apply 0 y unpa d amo I agarr st your c ada lrmit Wuhrn 90 days of our recerpt ofyour letter, e wrli send you a wnnen not co amia g ether that v e cortected the errot (to appear an your nmrt statement) or the reasons we belteve Ihe bill is cm en Your Rights It Yo Are Dissatisfied With Yo r Pmchase: If you are drssaostied wrth the gaads or servrces that you ha c pwchased w th your wedit ca d, and you have Ined n good faith to cortert Ihe Woblem with the merchant, you nuy h, ve the right not to pay the remarning amount due on the purchase To use thrs nght, the folowrng mmt be tnre I) Vou must have used you weri I card for the purchase Purchases made w th cash advances I om an ATM or mth a check II at accesses yo r oedrt card account do not quaitfy. and 2) You must not yet ha el Ry pad fo the purchase II el of the c te n above are met and you're st II drssatrriied wrth the purchase, conrad us n wnt ng at caprtal one p 0 Box 30285 salt lake oty OT il4130 0285 Whle we tst gath th mme rules apply to the disputed amoual as drmmssed above Afle we fintsh our investrgmo, c Rt gym o deuson Atthatpont, fwethnkyouoweanamounlandyoudonotpaywe may epony a delmquent 0 2015 capt,10 e cap tat Dne s a fede ally regstered serves mark EIC 08 03J30I15 Changing Address? Not quite ready to make payments online? Address No pfoblem. Follow these simple steps to make sure we process your payfnent smoothly. Home Phone Alternate Phone F-mail Address Ploasr. print address or phone numbor above using bluu or black mk. ~ 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 addit(anal correspondence, ~ Last but not least, be sure to write the last four digits of your account number on your check. 10B Carpe Page 2 of 3 Customer Bewioe T4nggtKFBNT www.capitalone.gom May. 15 - Jun. 14, 2015 31 Days in Billing Cycle Platinum MaslerCard NEW BALANCE 52,053.77 MINIMUM PAYMENT 544.00 Account ending in 4925 DUE DATE Jul 11, 201 5 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: $2,250.00 $ 196.23 $ 150.00 $ 150 00 Previous Balance W™~ Payments and Credits Fees and Interest Charged Transactions/ $ 125.00 ) 4 I $22 41 I 4: $ 1,502.19 New Balance (TITANSACTIONS CONTINUED TRANSACTIONS FOR MELANY BASA ty4925 (CONTINUEDI ORIG: SEA, DEST: SIC 5/0. 0 CARRIER: DL SVC T 7 03 JUN EXPEDtA'1107019738924EXPEDIA COMNV 8 03 JUN JOLLIBEE 95AN JOSECA 9 04 JUN CVS/PHARMACY //09834SARATOGACA 10 04 JUN KAISER 02090447SANTA CLARACA 11 04 JUN SHELL OIL 57444260103SAN IOSECA i2 04 JUN KAISER PRMNT 004440SANTA CLARACA 13 05 iUN PEETS 16202SARATOGACA 14 06 JUN TARGET 00019273SAN JOSECA 15 06JUN TARGET 00025817SAN JOSECA 16 06JUN TM 'BEYOND WONDERIAND415 421 8497CA 17 06 JUN MCDONALD'5 F113935AN JOSECA 18 07JUN REDBOX *DVD RENTAL866-733-2693IL 19 OBJUN 50UTHWES 5262116239713800-435 9792TX TK// 5262116239713 PSGR'ASA/MELANY iiOBANCIIO ORIG'JC, DEST: SAN CARRIER WN SVC 5 ORIG'AN, DEST SIC 5/0 0 CARRIER WN SVC 5 20 121UN TARGET LIDOD3236CUPLRflNOCA Total for Brlelany Base IM925 $ 19 00 $ 16 83 $ 15 75 $30 00 $30 79 $24 95 $ 10 90 $ 3 09 $29 96 $438 00 $ 7 18 $ 2 61 $ 500 00 $ 30 71 81,502.19 rw Tolaly~thisnericd 81,502.19 FEES Total Fees Tiiis Penod $0 00 INTEREST CHARGED INTEREST CHARGL.PURCHASES Toial Interest li»s Pwiod 572 41 522 41 TOTALS YEAR TO DATE Total Fees This Year Iotal Interest Ihis Yem 10 00 $95 87 *impoitant Notice You are enrolled in AutoPay Your seleoed paymr r» of $ 7'0 will be debited from your bank account on your Due Dale If your payment is less than the Minimum Amount Due you v/ill need to make an additional paymenr of the difference between the two amounts. It your payment is more than the Current Balance on your Due Date, only the Current Balance will be debited. 109 201211 TAKE THE WHEEL. START A GREAT AUTO-FINANCING EXPERIENCE WITH A„"1„1 IIAV 13A Jump-start the auto-financing process. With Auto Navigator from Capital Once, you can walk into any of over 12,000 eligible dealers with a confirmed financing offer in hand Even better, you can use our offer calculator to see your Annual Percentage Rate &APRJ and estimated monthly payment based on the Amount Financed for thc car you want on any device, anytime. w=.m~oA I I F'' tl&II$2rrVf Br lf i ' ii221;~ rf.tdr iie.ilri: ter 129$9$9494 1 d pd 4dr 9 dd Auto Navigator offers rates as low as 1.99% APR.'ake the wheel and learn more today. Get started now! Visit www capitaione.corn/autonawgator for more information. i'---'iI: 60 S 2.39'I $442.43 "Please 3 e the reverse for impurtdiit hisclosures reearuiria ttie APR ann tiis offer. Tt;e screenshct shown is for representatwe purposes only Add A 11 VWI 1 ~a~~el~sr~, Cw+It~lo~" Auto Finance 110 20I2tf IMPORTANT DISCLOSURES To qualify for Capital One auto financing you must be at least 18 years of age and have a valid street address withm Umted States ar APO/I PO address. Mmimum monthly income is $ 1,500 or $ 1,800, depending on credit history. Any existmg Capital One accounls must be m goad standmg. Amount Financed Restrictions Mimmum Amount Financed is $4,000. You may apply tor fmancmg up to $40,000 for new snd used vehicles Your maximum Amount Fmanced may be based on the value of the specific vehicle you are purchasing. Amount Fmanced mcludes the vehicle sales pnce, tax, title, licensing fees, dealership fees, and optional products hke GAP coverage and extended warranty Cash down may be required in order to complete your purchase 'APR APR is the Annual Percentage Rate. Advertised rates are offered dependmg on tile individual's excellent and substantial credit, and key fmancing charactenstics, mcludmg but not limited to the amount financed, a term less than or equal to 60 months a loan to value (LTV) ratio of less than or equal to 90% and a new vehicle A representative example ot payment terms are as follows. an Amount Fmanced of $ 25 000 with an APR of 2 39% ond a term of 60 months would have a monthly payment of $442 47. Advertised rates are sublect to change without notice Vehicle Type Restrictions Capital One Auto Fmance only finances new and used cars, light trucks, minivons and SUVs that will be used for personal u e. Vehicles must be 9 years old or newer, and have less than 100,000 miles. We do not finance Oldsmobile, Daewoo, Snab, Suzuki or isuzu vehicles We do not offer financing for commercial vehicles, motorcycles, recreational vehicles (Rys), AIVs, boats, camper vans, motor homes, lemon vehicles. branded title vehicles, or vehicles without a Vehicle Identification Number (VIN) or title issued. We may determme a vehicle to be commermal or ottierwise ineligible based on the model and/ or information provided to us Dealer's Credit Application and Contract You wig need to complete a dealership credit application so that the dealership can provide You viith legally-required fmancing disclosures as you finalize your purchase You will also sign a contract disclosing all your purchase and fmancmg terms An application at the dealersh p typically results in inquines on your credit file. See our FAQs for more mformation. You must provide all required documentation before the eligible dealer can fmalizs your application Dealer Eligibility Requirements Capital One Auto Finance pioviues fmancing for new and used vehicle~ purchased fron eliyble dealers listed on our Dealei Locator at auto capitalone.corn/ dealer locator We do not offer I nancmg for vehicles purchased from auto brokers or pnvate party sellers We do not offe fmancmg for lease buyouts. Products and serwces provided by Capital One, N /I, Member FDIC. 020)5 Capital One. Capital One and Capital One Auto Finance are federally registered trademarks AII nghts reserved. Page 1 of 3 Customer Benrice I %00-9030637 www.capita(one.corn Jun. 15-Jul.14, 2015 30 Days in Billing Cycle I Platinum MasterCard NEW BALANCE $2,237.77 NBNIMUMPAYMENT 560.00 PLEASE PA'y AT LEAST THIS Auoum Account ending in 4925 DUE DATE Aug 11, 2015 MINIMUM PAYMENT WARNING: If Jou lreke ovr lhe minmum Iaynmrf each peacd, Wu my Iay more in inieest and S»e take yeu longer to pay df piur babnce. For rixampb: Payment Amount Each Period If No Approximate Tinie to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost hMmumPapnent 14Yeas $5,941 $89 3Vmm $3,199 Your estimated savings if you pay off this balance in 9 yean: $1742 Credit Limit. $2,250.00 Available Credit $ 12.23 cash Advance credit Limit: $ 150 00 ayounorsf liire informasonabcutcrerflicounsdngselvkns ua tarss sssarns Available credit for cash Advances $ 12 23 LATE PAYNE"1 NARMNG: Evmdondreoswyourmmnumpaymenttyyourduedata,d yru may have to pay a bie lee of up to sssln and yxrAPRs may be ncreasedup lo Ihe PennyAPR olasey/ Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance r" $2,053.77 I - $200.00 I + I $63.32 J + j $320.68 = ( $2,237.77 LTRANSACTIDNS j PAYMENTS, CREDITS & ADJUSTMENTS FOR MEIANY BASA 44925 I 17 JUN CAPITAL ONE ONLINE PYMTAuthDate 17-JUN TRANSACTIONS FOR MELANY BASA ry4925 1 14 JUN ROSS STORES d1432SAN JOSECA 2 15 JUN PEETS 16202SARATOGACA 3 16 JUN YAS RESTAURANTSAN JOSECJL 4 16 JUN KAISER 02090447SANTA CLARACA 5 17 IUN PEETS 16202SARATOGACA 6 20 JUN SPORTS AUTHORI00007690SANTA CIARACA 7 20 JUN ABERCROMBIE 6 FITCH 7/OSANTA CIARACA 6 20 IUN HOLLISTER 77335SANTA CIARALA 9 20 JUN BOUDIN 414 VALLEY FSANTA CIARACA 10 201UN OLD NAVY G509SANTA CIARACA 11 21 JUN HBM 4194SANIOSECA 12 241UN TAIWAN TASTESARATOGACA 13 25 IUN PEETS 162025ARATOGACA Transactions continue on page 2 ($ 200 00) $ 14 13 $ 1 95 $ 39.G4 $ 50 00 $ 4 90 $ 23 93 $ 32 17 $2723 $ 9.76 $64 14 $25 06 $925 $ 7 75 ! ( . YOU ARE HERE. WE ARE TOO. Check your valance directly from your phone and' View recent transa«:iona k Pay your Capitaf Once bill n Check your rewards balance Go to m.capitalone.corn on your mobile device and manage your account at the speed of you INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APRJ is the annual mterest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APRl Interest Rate Interest Charge Purchases 24 90% P $2,165 68 $44 32 Cash Advarices 24.90% P $ 0 00 $0 00 PL D F = Varoble Rate See reverse ofpage I for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE ~~~$ Due Date Account ending in 4925 New Balance Minimum Payment Amount Enclosed 4925 14 2237770200000068006 Aug 11, 2015 I ( $2,237 77 $6(j 00 PLEASE PAY AT LEAST THIS AMOUNT ENIOY 24/7 ACCESS TO YOUR ACCOUNT 'ky b lls Cl k y* k xooeis MELANY BASA 4400 THE IIIOODS DR APT 1724 SAN JOSE. CA 9513b-3610 Capital One Bank &USA). N.A. P.o. Box 1 05'I'I City of Industry. CA 91711-05'i'I I " Ifl 'lllilllil'll'llilii' lil'1'll " llflll'ill'll'I'lil'IIII 4 9 2 5 'I 4 2 2 3 7 7 7 0 2 0 0 0 0 0 0 6 8 0 0 6 " " 2 Ol I 14 Code next to your APR(s) How do we calculate your APR(sll index + margin tpreviously disclosed to yoU) Prrme Rate I marg n I month UBOli + margin When your APA(s) wiH change The hrst day of the Bill ng Cydas that end in lan, Apal, luly, and Oct Pnme Rale I maryn I month IIBOR t marg n The lirst day of each U ging Cycle How can I Avoid Membemhin Fees'I lfa Re e al Notcc I pnntedon thefrontofthisstalement, youmay ave d pay ng an ann at memhe sl p ree by contort ng Customer Servrce no later than 45 days after Ihe last day n the Big ng Cyde co ere I hy tbs statement to request that we dose your amount. To avord paying a monthly membush p Fee, close your account, and we wrg stop assesnng your monthly membershrp Fee Uruu r rl sa a» You can contad customer semce anylme to reqrreH that we close your account How do I Make pavmentsz Yo may make you payme t m several ways 0 nl nc and l egg ng mt o your account, 2 I'ap tel One Mobrle Banking app for app o ed eleoroncdevcet, 3 Telephone voice Response syrtem by dmling the telephone number lated on the front ofthrs statement and followrng Ihe voce p ompts, 4 Calhngth telephon nu be hsredm thefoniofihsstatementandprovrlmgyourrnformatontoour rep esentat e, 5 Scndnq ma i payments to theaddress onthefrontofthisstatementwiththepaymentcoupon aryour account nfonnation H c I A *id p I U)0(aMSLCURtges7 H you pay your siatemenrs New Balance in full by the due date, vre wrg not charge you rnterest on any new Iransact one that post to the purchase segment . If you have been paying your acmunt rn fug wrth no Interest charges, bm Ihen you do not pay your next New Balance rn full, we will charge interest on the portion of the balance that you d d not pay. For Cash Advances and Speual Transfers, we will start charg ng Imerest on the transactron date, Certarn promotional offers may allow you to pay less than the total New Balance and averd pay ng Interest Charges on new purchases. Please refer to the front of your statement foraddmonalinformotion. How is the Intermt Charac aonlied7 Interest Charges accrue from the date of the tranmctron or the first day of the Brging Cycle Inta est Charges amue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even rf you pay the enlrre New Balance for one Brgrng Cyde, but did not do so the prevrous Brging cyde. Unpaid Intermt Cha ges are arlded to the mrrespondrng segment of your accounc D a * w * Mi imam Interest charee2 we may assess a minimum interest charge of 50.50 for each Bigrrtg Cyde if your account is subiert to an Interest Cire rge How do vou calculate the Interest charrlet We use a method called Average Daily Balance hndudrng new transacrions) t. Frrst, for each segment we take lhe begrnnrng balance each day and add rn new transartions and the periorlic Interest charge on the previous day's tmlance. Then we sulmart any payments and credib for that segment as of that day The resuh is the daily balance for each segment Howeuer, if your previous statement balance was zero or a credit amount, new transad ons which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the rlaily balances together and dnnde the sum by the number of days in Ihe Biging Cycle. The result is the Average Daily Balance for each segment. 3 At the endo(each Bigrng Cyde, we multiply your Average Daily Balance for each segment by the daliy per odrc rate (APR d vided by 365) for that mgment, and then we multiply the result by the number of days m the Billing Cycle We add the Interest Charges for ag segments together 7he result is your total Imerest Charge for the 8 Bing Cyde NOTE Due to rounding or a m ~imum inta est Charge, this calculation may vary slighdy trom the Interest Charge actually assessed How can mvvariable ApR chanoez Your ApR may increase or dertease basedon oneofthefogowing reponed ind tees (reponed m The wali 5 ice el Journal) To find which ndex is used for your acmunt, look fora letter code on ihe lroni of Ihn statement next to your APR(s), Then check the table below. Ho d * Pow m p vments7 when you make a payment, you authonze us to nrtate an ACH or electronrc payment that wrg be deb ted fram your bank acco r I o other related accounl When you prov de a check or check mformation to make a payment, you aurhorize us to use Informabon from the check to make a one-time ACR or other eledronic transfer from your bank account We may also process t as a check transaction. Funds may be vrilhd awn from your bank account as soon as the same day sve pracess your payment When will vou Cred t Mv ament'I For mobile, online or over the phone. as of the business day we receive it. as long as they are made by 8 p.m. ET. For mailed paymenb, as of the business day we receive e, as lang as you send the bottom pomon of this statement and your chem to the payment add ess on the front of th s slatemenl. please agow at least Di business days for marl delrveU Mailed payments recerved by us at any other loratron or payments in any other form may not be Uedited as of the day we receive them. Haw do vou A oui v Mv Pavment? We generally apply payments up to your Mrnimum Payment first to the balance with the lowert APR (indudrng O'4 Apgl, and then to balances w rh h gher APRs We apply any part of your payment exceedrng your Minimum Payment to the tolance with the highest ApR, and then Io balances weh lower APRs. Bdgnagiahtssumman loomnotrtcchtoSm31fkna)qurtcmunls) What To Do If You Think You Find A Mistake On Your Statement: H you thmk there is an error on your statement, wrrle to us al'apitalOne P.O. Box 30285 Salt lake Giy, UT 84130.0285 tn your leuer, give us the following mformation Account informaimn Your name and account nurnbcr Dogaramount Thedogaramountofthesuspertederror Desrtiptron of Problem lf you thmk there u an erro on your bdl, desobe what you believe n wrong and why you believe ir is a mistake. You must centers us w thrn 60 days after the error appeared on your statement You must not fy us of any potential errors rn writing You may call us or notify us electron cagy, but rf you do we are not requrred to investigate any polentral errors and you may ham lo pay the amount n quest on. We w 0 nutty yourn writing wrthm 30 days of our recerpt of you letter While we nvestigate whethe or not there has been an error, the fogowing are true. We cannot try Io collect the amount In qu«stmn, or report you as delinquent on that amount The charge in qirestion may rema n on your statement, and we may contrnue to charge you nierest on that amount But, d we determine that we made a mrsteke, you wrg not ha e to pay the amount n quesao or any r ~ terest or other tees related to that amount Whrle you do nol have Io pay Ihe amount in quest on unt I ae send you a nohce about Ihe outcome of our invest gation, you are responsible for the erne ndc of your balance We can apply any unpaid amount against you creds I mit Wnhiri 30 rlays of o r receipt of your letter, we w 0 send yuu a wrti r not ce cxplarning either lhat we cmrected the eror (to eppes o you next statemenq or the easons we behave the bill is corred Your Rights If You Are DrssatrmUed With Your purchase: H you a ed ssauseed w th the goorls o semces that you have purchased w th you cmdi cad, and you have tned rn good fath to correct the p oblem with the merchant, you may have the rrght not to pay Ihe emarm g amm nt rl e on the pu chase To use this nght, the fogowrng must be true. i) You must have used your terri card for the purchase. Pu chases made tv th cash advances fram an ATM or vrrth a check that accesses yoru uedrt card account rlo not qual fy. and 2) You must not yet ha e h gy pa d for Ihe purchase If ag of the cnie a above are met and you are si 8 dusatisfred wuh th pu chase, contart us ar wnting ai Caprtal One P 0 Box 30285 Sall lake Crty, UT I!41300285 Whrle we invest gate, the same rules apply to the rl sputed nrou t ai discusied abo e Afte e fr~rih our rn estrgatronwewgtegyo ou rleonon Atthaipont, ls ethrnk youoweanamountandyourlonotpaywe may repon ion as delinquent 02015&mialone caprtalo e safederagyregrsteredse xemak ETC.OB 03/30J15 Changing Addresso Address Not quite ready to make payments online? No problem. Foiiow these. simple steps to make sure we process your payment smoothly. Home Phone Alternate Phone F-mail Address Pfosuc print address or phorto numbor obovo 0 Irtg biuo or black mk ~ Make checks payable to Capital One Bank fUSA), 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 surete write the fast four digits of your account number on your check. 113 Page 2 of 3 Customer Benrce IRN69036637 www.capitalone.corn Iun. 15- Iul. 14, 2015 30 Days in Billing Cycle Platinum MasterCard NEW BALANCE $2,237.77 MINIMUM PAYMENT $6B.00 Account ending in 4925 DUE DATE Aug11,2015 Credit Limit: Available Credit: Cash Advance Credit Umit: Available Credit for Cash Advances: $2,250.00 $ 12.23 $ 150.00 $ 12.23 Previous Balance u,053.77 J Payments and Credits $200 00 Fees and Interest Charged Q $6332 j Transactions $320.66 New Balance j = ( $ 2,237.77 j TRANSACTIONS CONTINUED TRANSACTIONS FOR MELANY 6ASA ¹4925 (CONTINUED) 14 26JUN PEETS 16202SAIIATOGACA Total for Melany Base 64925 W Toh¹T~ThisPeriod $ 10 75 $320.6B $320.68 FEES I 14 IUL CAPITAL ONE MEMBER FEE Total Fees This Pened $ 19.00 $ 19.00 INTEREST CHARGED INTEREST CHARGE PURCHASES Total Interesr This Penod TOTALS YEAR TO DATE Total Fees This Year Totaiinterest This Year $44.32 $ rm 32 $ 19 00 $ 140 19 114 SHIFT TO A LOWER CAR PAYMENT. 'fn II linlvililh I Itralilrii'tg TAKE ADVANTAGE frill I I lilllun'itis ' itr et+calle! OF LOW Ifglg, grmtnlin Ini il~otiinl R REFINANCING RATES Calaitatgus Auto Finance See how easy it is to shift to a lower car payment at capitalone.corn/autoloans *See reverse for important disclosures regarding this offer. I:AIt VAYU II 'S 'I:IU I3.? EJ E ..., EJEIIt g ~ g ) T 1 'I'I'III You could refinance in minutes with our low rates. MELANY BASA, When the road gets too steep and strains your engine, you downshift. So why not shift into a lower car payment and take the strain off your wallet? We'l make it easy for you. SHIFT INTO SAVINGS - UP TO AN AVERAGE OF $ 737 A YEAR ON CAR PMNS'ith low rates, now is the time to refinance and flatten out that financial hill in front of you. lt takes just around 15 minutes to apply. Apply online with your make, mode!, and year e See the rale and terms you qualify for Lock in your savings by signing online! We'l even pay off your old loan. Shift to a lower payment now by clicking uGet Started" at capitalone.corn/autoloans See how much you can save at capitaloneicom/autoloatts 'See reverse for important disclosures regarding this offer. Cwl ital~'uto Finance 115 201203 livIPORTANT DISCLOSURES AND REQUIREMENTS: "Yearly pav mam r('dur (ion (laini is based on,ivcmg» estimated paymmn Inluc uun our cu&iumew 'xperim)ce ovei,i year witli thi II Ilc'&v loan (ian&e or a longer rerm) compared ro rheir prior yearly loan paynim)rs. Yearly payrnem redu«rion n&av resulr fiorn 1 low r imerest rate. a longer rcrm or brnh. Your acnial savings may be diflerenr, About Yoa (the applicant): In order ro qualify For rhis ofFer you nn&sr be in good &rending (nor over lirnir, pair dnc, or chargerl ofl) on any orhcr ex«&&np Capital One accoun&. You rnusr be at leasr 18 years of age to apply Applicam& musr have 2 valirl physical street address wnhni the Uni&ed Siares at the time of application. PO. Box ac(drew(as arr: not eligible for tins offer An individual v ho doe& nor have a physical strr it add&c 1 may usc an Arniy Posr Ofhce address or a Fleet Post Ofli«c address. A minimum munch(a income rcquirrmcm of $ 1 500 &o $ 1,800 will apply dcpcnding on )oui ciulit qua hfications. Vehicle Type Restrictions: Capital One Auto Finance only finaiiccs &1c&v and used cars, ligh& (ru(ks, rninivans and SL'Vs rhar ivill be uied for pr:rsonai usc. Vch&clcs nnisr. bc 7 years or newer. We do r&ot fir&ance Oldsmobile, Daewoo, Suzuk&, Saab oi Isuiu veh«.ics Wc do nor ofl r liru ming 1)&r (ornrnerc isl vehi& les. mnrr&rcycles, or recta(non&1 vehicles (RV&), ATV(, bnn &, r imper van&, mmnr homes, lern &n vehi&.lcs, br~nded t&cia vehicles, or vehicle (vid&ou( a Vr:hicle ldcmification Number (VIN) or rirlc issued. We rv.,&y dercrmio a velucl« io be comm rcia1 or orhcrwise &ncl&gibl ' i(c I on (he rriodel aud/or iriformacion provided ro us. Loan Amount Restrictions: Mmirmirn loan amounr is $7500 You may appl) for a loin arm&urn of up to $30000 Foi rclin ir«c louu. Refinancing Restriuions: Your (m(a&t (oar) nnist »0& be servir ed bv Cap«)l One Aurr) I'inancc. Your currcn( le&alar rnusr hc ari FDIC oi N.&r&onal Credir Union Adrninis(r.irion (NCUA) insured (inane&&l &nsrirurion. Most beni(s, r.redi( i(i)lot&s, .)Iui l,irg«r iilltl firmnce u&rnp, n&es macr rh&s requrremem. Yr&u musr rcfin&rice rh fnll piyr&fF(1(&i&&ill)rol voilf «xi&(In )omit)lli &illlicct (of&III ITOII&i&it&11aiul mm&mum lo in .&n«)unrs. Wc du no& ofl'i( ( .sh 0 &(k refiner&( inv r&r lease l&uyours. If you have,& (IAP pr)l&cy rm vour currem lo&n, your 1'AP .&8&««rn«ru v&ll have langua e confirm&ng wh«(her sour C AP policy terminarcs uprm r lineuungur whe&hcrcovem au&nrinuc&. Ple&s( (onracr )onr C'AP p&ovidcr tor an& q&r stions or concern& Capnal One Au(o Firianc will only p&yoff yuur csisr&ng an&o luan,(rid iv&l) nor hnanc nmv C)AP covcragc if your curr«ni CAP prov«lcr can(ml» thc coverag» upon rchnancin rhc r&nr;irml loan iVutice Regarding State Title Fees: lb&eh &r ne iirq&&ssm«nl» rr «i&f«r lee the& r in v ir y &Icpcnrling un the &mr« in wh«h yr&u res& I . Tli&& fe« i. clm& ed liy your &r niv no: C&ptral Onc Auro F&nance, Wc (vill lxiy (his fce on you& behalf ind add n ro your lirml loin arnoum. Vehicle Title Yon w&ll ri cd to send us your v hi(le rnlc if you r s&d«m unco('rlx iollowm ~ )ra&.: K5 KY hl[& MI &SIN MO NY, OK, 51), (VI In all orh«i &rar & w &vill ohrun rbc nrl& d&recrly I'rom th«siaie ~gency which hold& vou»whi I iVoti&c Regarding State Title Peas& Lech &ru impo& 1 a orle t«n&fm ie 'lmr can ari depen ling on rhe st&rt: in which yrm I n I '. 'Ih&s &c(» h ir d by)our sr)re, not Cipir, I Om W( will ixiy rhis f'n )our behalf and icld &( ro loin fir&)I loin &mr mn I'rod(it(s a&Id s(I«I(cs pl cvldcd by Ckipir)l One, K. A, iMcu11'&ci''Dl(".. (0!0)a I np&r &I C!nc &nd Chip&ral One Auro I trmn(e ai '&'rl 'rally r cp(t«red rr)d«rnml ( Ail rrght& rcs«rv&u. 151100 ( i&pn il On«D«v« A&in 12038 0111, lb(hniond, V&rguiia 23238. I o corn icr «1 by mail, pica&e u&c rhc frillr&wi rig «klr ss (spiral One Auio I inancc, 7()33 Pic (on R I., Pl,u&u, TX 75024 116 e~m~t Page lot 3 Customer Benrice IJI00803-3637 www.oapitgione.corn Jul. 15. Aug. 14, 201 5 31 Days in Billing Cycle i Platinum MasterCard NBV BALANCE $2,272.29 MINIMUM PAYMENT PLEASE PAYAT lEAST LNLS AMOUNT Account ending in 4925 DUE DATE Bep11, 2015 MniaumPanmnt t tavern Your estimated savings il you pay off this balance in 3 years: t SS,OIS S0248 MINIMUM pAYMENT NARNING: Ifycu make mfy the mranumpayarnlearhperod tcu mlr pay more in interestand itea take ycu knger to pay aft your bernm. For example: Payment Amount Each Period If No Approximate Time to Pay Qff Estimated Additional Charges Are Made Statement Balance Total Cost Credit limit: $2,250 00 Available Credit: $0.00 Cash Advance Credit Limit $ 150 00 'Iy Oe6 LI for 6as6 0rfvsnces $ Q QQ IA1 S PAY ME N1 WAa N I N G: yus m M~ y r m~ PW I y y am &e, you ney have Io pay a Late lee of up to ssslnand ymr Apns maybe naeasodupto he PeneyAPRof29411. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $2,237.77 j - I $300 00 I + I $ 45.59 $288.93 = $2,272~29 ..y t TRANSACTJONS J PAYMENTS, CREDtTS & ADJUSTMENTS FOR MEIANY BASA 94925 I 20 JUL CAPITAI. ONE ONLINE PYMTAuthDate 20-JUL TRANSACTIONS FOR MELANY BASA W4925 I 291UL HERTZ RENT-A-CARHONOLULUifl DRIVFR'ASA/MEIANY RENTALry'41824'124 PHJL: 800.654-4173 RETURN: 07/29/15 - HONOLULU USA 2 30 JUL PEETS BSOUTH SAN FRACA 3 30JUL BB RANCHMARKETPLACETEMECULACA 4 01 AUG USA*MULLIGAN FAMILY FUMURRIETACA 5 02 AUG SHELL OIL 57444990501SAN JOSECA 6 12 AUG SUSHI HEAVENSARATOGACA Tolaf for Melany Base e4925 M ToedT~This period FEES Total Fees This Period Transactions continue on page 2 ($300 00/ $226 09 $4 24 110 99 $ 5 00 $ 30 38 112 23 $288.83 $288.93 50 00 ., You ARE HERE. WK ARE TOO. I Che~k your balance drreuly'rom yout phone and; a vrmv roront tronsactmns O Pay your Caprtai une big a Cher.k your rewards balance Go to m capitalone.cortr on your nmbite donee and manage your account at the speed of you. OOO19-{ INTEREST CHARGE CALCULATION Your Annual Percentage iiate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance crest Charge Rate lAPR) Interest Rate Purchases 24.90% P $2,155.85 r45 59 Cash rtdvances I I24.90% P $0 00 $0 00 p,L,D,F - Venable Rate See reverse of parle I for details PLEASE RETURN PORTION BELOW WITH PAYMENI'R LOG ON TO WWW CAPfl ALONE COM TO MAKE YOUR PAYMENT ONLINE. CaJs~dtug Due Date sep 11, 2015 Account ending in 4925 New Balance Minimum Payment $2,272 29 I $69.00 PLEASE PAYAT LEAST THIS AMOUNT Amount Enclosed 4925 14 2272290300000069009 ENJOY 24/7 ACCESS TO YOUR ACCOUNT '' b I 'Ck ky k * HELANY BASA 4LIOO THE IIIOODS DR APT 1724 SAN JOSE. CA 95131-3810 tooala Capital One Bank (USA). N.A. P.O. Box L0599 City of Industry CA 91711-0599 i jfi iillfffllfi Il Nil'i i » i ' fl " illiil 0 if If 'ffflfll 4925 1/„ 2272290300000069009 117 (XI I ln Code next to your APR(s) How do e calculate your APA(sn When your APR(s) Index + margin(previously disclosed to will change you) Pnme Rate + matgrn 3 month ilBOR + margm The I Nt day of the Bill ng Cydas that end r ~ lan, Aprrl, iuly. anrl OO Pnme Rate i. maryn I month(IBOR v margin The lrst day of each Brging Cycle How can I Avoid ivlembership fees? If a Renewal Notice s pnnted on the front of Ibis statement, yov may avoid paying an annual membersh p Fee by contacring customer sevres no late than nb days afte the last day in the 8 ging Cycle ce ared by this statement to request that we close you account Io a oid paymg a monthly membershtp Fee, close your account, and Yew 8 stop assess ng yo r m ~ rhly m mbe sbp Fee u . r rt * M a r You can contacr Customer Service anyhme to request that we close your amount How do I Make Payments, Vou may make you payment n several ways 1. Onlme and logyng ~ toyouramo nt; 2 CaptalOnelilobl Banbngappfmappo ed ledromcd wes, 3. Telephone Vorce Response System by doing the telephone n mb r listed on the front of this statement and fogowrng the voice prompts, Cagrng Ihe telephone number lated on the Iro I of thrs statement and prov rl ng your nformat on to our rep esenianve, 5 Srndng mal payments to the address th fronr ofthn swte ent tt the pnymenrmuponoryeur accountinlo mauon H ca I A *id pahing Inta easshargksi If you pay your statement'I New Balance in full by the due date. we svig not charge you interest on any new t ansactions that post to the purchase segment If you have been payrng your account rn full wrth no Interest Charges, but then yeu do not pay yout new New Balance rn fug, we wrg charge rntetest on the portion of the balance that you drd not pay. For Cash Advances and Special Transfers, we will start charging Interest on the Iransadion date. Ceram promotional offev. may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases Please refute the front of your statement for adrl tronal inforrrmtion. How is the interest Charac aaoliedy Interest Charges accrue from the date of the transactron or the Brat day of the Brgrng Cycle Interest Charges acaue on every unpatd amount untrl it rs paid in full Thrs means you may owe intermt Charges even if you pay the entrre New Balance for one Brging Cyde, but drd not do so Ihe previous Billing Cyde. Unpaid interest Charges are added to the co respoadrng segment of your account Do vou assess a Minimum Interest Charuey We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subled to an interest &ha ge How do vou Calculate the Interest Cha ey We use a method called Average Dary Balance (ndud ng new transamons). I. First, lor each segmenr we take the beginn ng balance each day and add in new uanmdions and the period& interest charge on the previous day's balance. then we subuad any payments and oedm for that segment as of that day. The result is the daily balance for each segment However, if your previous statement balance was zero or a &red& amount, neiv tranmdi one which post to youi purchase segment are ~ ot added m the darly balance 2. Next,foreadrsegment, weaddIhedailybalancestoge1heranddrvideIhesumbythenumberofdaysrn the Bigrng Cyde The result Is the Average Darly Balance for each segment 3. At the end of each Bigrng Cyde, we multiply your Average Darly Imlance for eath segment by the daily p errors c rate (APR divided by 365) for that segment, and tlien we mull ply the result by the number of days in the Bi ging Cyde. We add Ihe Interest Charges for all segments together The result is your total interest Charge for the Bill ng Cyde NOTE: Due m roundtng or a min mum Interesr Charge, this calculaaon may vary sl ghtly from the Interesr Charge actuagy amassed How can mv Va 'abl APR chance) You APR may ncrease o decrease based on one of the fogo g reported rndrces r're pored in The Wail Street Iourna0. To lind which md ex rs used for your account, took fora letter code on Ihe front of Ibis statement next lo your APR(s) Then check the table below. How d vou p o *ss pa tu when you make a payment, you authorize us to inrtrate an AcH or cled onic payment that wrg be debrlwl from your bank account or other related arcount When you prov de a check or check information to make a payment, you authorize us to use information from the check to make a one time ACH or other eleoronic transfer from your bank account. We may also process it as a check Iransao on Funds may be withdrawn from year bank amount as soon as the same day we process your payment. When will vox Credit Mv Pavmentl For mobile, online or over the phone, as of the budness day we receive it, as long as they are made by 8 p m ET. Far mailed paymenls, as of the burmese day we receive a, as long as you send the bonom pomon of th s statement and your check to the payment address on the front ol thu statement. Please allow at le~st O) business days for mail delivem Mailed payments received by us at any other location or payments in any other form may not be oedited as of the day we receive them How do vo A al M P vmenty We generally apply payments up to your Minrmum Payment first to Ihe balance with the fmvest ApA (indudrng O'A Apiq, and then to balances tv th higher Apib. we apply any pan of your payment exceeding your Minrmum Payment to the balance with the highest APR. and ihen to balances with lower APRs. Bigine Rinhts Summanr Ipomnctnc&NDBmalihdnemAxowmI What To Do If You Think You Find A Mistake On Your Statement: if you think there is an error on your stmement, write to us at: Capital One P 0 Box 30285 Salt lake Gty, UT 8413 tl-0285 in your I atter, give us the following rn form at mn: Account information. Your name and account number . Dog sr amount: The dollar amount of the susperted error . Descnption of Problem: If you think there is an error on your big, desoibe what you believe is w ong and why you believe it rs a mistake. You must contact us within 60 days after the error appeared on your statement You must notify us of any potent al errors in wyiting You may call us or notgy us eledronicagy but f you do we are not required lo rnvestigate any potential errors end you may haue to pay the amount in question. We wrg nohfy you in writmg wrthrn 30 days of our rece pr of yeur letter. While we rnvestigate whethe or noi there has been an error, the fogowing are true We cannot try to collect the amount m question, or repon you as delinquent on that amount The charge in question may remarn an your statement, anrl we may contrnue to charge you nterest on that amount But, if we determine that we made a m stake, you w 8 not have to pay the amount n qua&tron or any rnterest or othe fees relaterl to that amor nt Whrle you do not have Io pay Ihe amount m quesiron vntrl we send you a nohce about the o tcome of ow investrqat on, you are capone ble for the remamder of your balance We can apply any unpard amount agan st your credo limrr wahrn 90 days of ourre&e pt ofye lcue& we w 8 send you a wniten notice explaming other that we corrected the error Ro appear on your next staiementi or the reasons we hei reve the br 8 u c or red Your Rights If You Are Dissatisfied With Your Pu chase. If you a e d ssahslierl wrth the goods or sen ces that you have purchased wrth your credrl card, and you ha e tned rn good fath to correct Ihe problem vvrth the merchant, you may have the nght not to pay the remarning amount due on the purchase To use this r ght, the following must be true. I) You must have used your crerl t card for the pu chase Purchases made with cash arl ances horn an ATM o w th a check that accesses your cred I card account do not qualriy, and 21 You must rtol yet have fully paid for Ihe punhase. If ag of the crrter a abave are met and you are sall dismtrsfred w th Ihe purchase. contart us n wntmg at Capaai One P 0 Box 30285 Salt iake Crty, UT 84130 0285 Yihle we investrgate, the same rules apply to the deputed amon tt as dncussed above Airer e fn sh our nvest get on, we will tell you our deosion At that pont, I we think you owe an amount and you do not pay we may repen you as deirnqvent 0 2015 Capital One Capital One is a federally regale erl ser ce ma k r.t& 08 MI30/t 5 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone Alternate Phone F-mail Addfess Please pont, addrcos or phone nurqbor above usina blue or b(ack ink ~ 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. 118 Page2of 3 Customer Bervica1~7 www.oapilalone.corn IuL 15 - Aug. 14, 2015 3'I Days in Billing Cycle Platinum MasterCard NEIV BALANCE $2,272.29 MINIMUM PAYMENT Account ending in 4925 DUE DATE Sep11,2015 Available Credit Cash Advance Credit timit: AvailableCredrtfor Cash Advances: $0 00 $ 150 00 $0 00 Credit Limit. $2,250.00 Previous Balance Payments and Credits ( $300.00 j Fees and Interest Charged Transactions New Balance I TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE. PURCHASES Total interest Thrs Penod TOTALS YEAR TO DATE Total Fees Thrs Year Totallnteresl This Year $45.59 $45 59 $ 19.00 $ 185.78 119 THIS WAY TO A LOWER 'EFINANCING It Could Save You an Average of $737 a Year on Car Payments'aPi taloffe A to nnance RATES AHEAD W l"'.I S&V l S efinance Your Auto Loan and Save an Average of $737 a year on car payments* Take advantage of our refinancing rates at capitalone.corn/autoloans *See reverse for important disclosures regardmg this offer. CaPitaiOffe'uto Finance MELANY BASA, This is no ordinary road sign. It's a sign that lower car payments could be right around the corner. TURN RIGHT NOW INTO $737 OF YEARLY SAVINGS ON CAR PAYMENTS* With low rates available, now is the time to turn into savings. ~ Apply online with your make, model, and year e See your rate and terms in just minutes e Lock in your savtngs by signing online! LOW RATES [AHEAD We'l even help you pay off your old loan. Apply now at www.capitalofte.corn/autoloans It's your turn to save. Turn into savings now at capitalone.corn/autoloans 201202 IMPORTANT DISCLOSURFS AND REQUIREMENTS& *Yearly pa& ment r duccion claim is based on average estimateJ payment reduction our customers experience ov r a & car wirh iheir new loan (same or a longer ienn) compared ro rh ir prior yearly loan payments. Ymily payment reduction may reuilt from a lower irnerear rare, a longer term or boCk. Your acrual sav&ngs may b. dill&nunc. About You (the applicant): In urger tu &Iualify for &his oiler, you )nuai br. in good nanding (noi ovet limit, pan rlue, or aha rgid ofi1 on any o&her exining Capnal One account. You cause be at leasr 18 years of age ro apply Applica nit must have a valid phys&cal arrear address with&n rhe Unired Sratrs &r rh * r&me oF &pplicauon PO. Box add&cases a&e nor r li ible for this ofier An ind&v&dual who docs not have a phyaiml err«r adrlr a may na an /rrny Po r O/Fic sabir &aura Fl* r Po&r Ofiiceaddr aa A minimum monrhly&mome rcgu» m nr of 81,500 co 51,800 &vill .&pplv depending on youi & redi& riualifications. Vehicle Type Restrictions: Cap&&&i On Aum Financ only fin&ncaa new and used ca&a, l&ght trucks, minivans anal SUV& ihat &vill b * us d for pmsonal lls a V'la&el '5 l&al&5& 8 7 & ara r new 'r, Wc do nor li nance Ok!amobil a Da woo, Suzuki, Saab or lsuzu v h&cl s W Jo nut oiler fin&nr ing for curn rnci&ial vehicles. moiuicyclea, ur rcc&canona) vehit les (RV&), ATVs, busts, & arnper van&, nu&io& honiea, Imnou vehicles, branded ntle vehi lea, or v h &ties avuhour a Veh tele Idemific&rien . lumber (VIN) or ritle issued. We may dc&crt&&it&c a vehicle io be corn &narc»i or othmw&a . incli &I lc lmscd on rhe mod I and/oi informarion ptovitkd ro us. Loan Amount Restricrinnst Ivlini car&m I &tn imounr &s $7500. You may apply for « loan arnonn& of up rn 8 &0 Ot)0 Fm reiinan&e loans Refinancing Restriction . Y ed by Capi&al On.Au&o Finance. Your cu&ienc lendei rnuai b .m FDIC or Ninon&I C iedir Union A Iminisrmrion (NCUA) insui d linancial in.ntution. ivlosc banks, cr dir unior», and laig r auto linain.. compani am &r &his r 0 i«m m Yoi ii s& eli &in c th full ixiyofi imouncofyou& x»ringauroloan iubieti tooui m&rumum and naaaimum loan.imouma. W tlu noi «Ii re i h balt i Fininciiigui lciac buyuuta. Ifyuu ha&& a ('AP poli&y on)oui &u»em loin, your GAP agreemenr v ill hive I m uag confirm»&g v hei her your ('AP polity ierm inares upon relinancntgor wherhet cra& cragc connnuea. Pleas conracr you& C:AI'&ovular ii&t,iny 0 i»a &iona or cnncmna Cap&eel One /nuo I i nance w&ll only payofF your exist mg au&u loan,i»J will not f&nance new (iRI' nv .&g. ii p i r cnr (;AP p&nviler canc Ia rh * ov a '' upon &eFirx&ncing rhe or&Sinai lo&n. Notice RegardingState Title Fees: Fich sru tmpoaea a ritle tmn I 'rf'' thu cern v&ivd p nd&ng m rh am&em avhich) x& ie &d . Tlu I'ee ia &har ed b& you& amr, not C&p&r &I One Amo Fin &nce W" w&ll pa&'ih&ale 'on your behilianJ add &t top&u& h&wl loan&no&um Vchi le Tirle.: tgxr w&ll nee I i .cnJ u n&u& ehr le &&&le &fyou &e&dain» ol'ih. Iolluwingain a. 1&S, KY MD, &5&1, 'vlN, lvtO, NY, OIC, SI?, WI. In all orh & srar a iv. w&ll ol ra&n rhc ritlc d&rccrly f'rom rhea&a&c i ncywh&ch hnlds your vch&cle &i&lc. Notice Regarding State Title Feet& I..& h arir imp»tea & r&rl rran&Fer I'«e rh&r can varv dept&ado& on rhea&sr rn which &rai i. &Je 'ih&a fee isthuged by y& m ta&, not (&peal ()ne W w&ll pry rhi. I c on &'our I half &cd mid ir to &'our linal loan am unt P&odu ra ands &v&c a prov&d d I y Capiml On . N&. A. M mb & I DIC. 20)r& ('ap&r&l Onc and Cipital OneAuro I &nanrea&e fidemlly ieg&a» It&atkn&i&ks All »ghca ies iv d. 15000 C&piril Onc D»ve, A&it& 120 3801 11 Rtr hn&t&lad V&l &II& i 2 'r238 Tu o&nm& i ua l&y mail pie &a uae ihc followm addre a C spital One Auto Fii»nc 7')00 P& aron Rd., Plane, TX 75020th PBg81of I Cusiornm Btmrice 1-800003-3637 www.cap((clone.corn i Platinum MasterCard NEW BALANCE $2,251.27 MINIMUM PAYMENT $72.00 PLEASE PAYAT Lstsr Tars AMOUNT Account ending in 4925 DUE DATE Oct11,2015 MINIMUMPAYMENTWARNING; ifyoumakeowytheminrmumpaymenleachpaicd,pu vail pay more inintwesr and 4 ws take you longer m pay elf your bahnce. For emnna: payment Amount Each period If No Approximate Time to pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Miirnum Payment IJYeas tspys ste I 132IB Your estimated savings if you pay off this balance in 3 years: SR733 ! Credit Limit: $2,250.00 Available Credit.'$0.00 Cash Advance Credit Limit $ 150 00 Ityouwoulrnikeinfommbnehcutoreotcounsungsenrices ovn 888328865 Available credit for cash Advances $0 00 LATE prwmt"1 NARNING: Ifwedonmreceheyourmnmumpaymentbyyourduedate,pwnnyhmntmyahnhedntto33stond& rm pdnnyte~wntw PuxayAFRW294F/, Previous Balance $2,272 29 Payments and Credits $69.00 ) + Fees and Interest Charged Transactions New Balance/ $47.98 J s $000 = i f2,251.27 j rrlIANLACLION~S PAYMENTS, CREDITS & ADJUSTMENTS FOR MEIANY BASA ¹4925 03 SEP CAPITAL ONE ONLINE PYMTAuthDate 03-SEP 7RANSACTIONS FOR MEIANY BASA ¹4925 ($ 69.00) Ci'eck your baler'.re drrcr tly frnrn your phone anrJ, viovy ilmrl'tl nm actrrlrls n pay your Cap;tal One'ril o Qteckyour rewmds km(artcc FEES Total Fees Ttus Pened $0.00 Go to m.capitolone.com orr yotrr mobrle devin" artcl rrrdrld9r yortr dccount. Jt tttt." side'c'.cf trf yoLI. INTEREST CNARGED INTEREST CHARGE PURCHASES Total Interest This Pened $47 98 147 98 INTEREST CHARGE CALCULATION TOTALS YEAR TO DATE Total Fees This Year Totailnterest Tins Year $ 19.00 $233 76 Your Annual Percentage Rate (APR) is the annual interest rate on your amount Annual Percentage Balance Subject to Type of Balance Rate(APRI Interest Rate Interest Charge Purcirases 24 90% P $ 2,268 88 Cash Advances I 24 90% P $ 0 00 P L D F = Vane hie Rate See reverse of page I for details $47 98 $0 00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO IAINIW.CAPITALONE COM TO MAKE YOUR PAYMENT ONLfNE 4925 17, 2251270069000072002 4-wgait~~lOne Due Date I Oct 11, 201 5 7 Account ending in 4925 New Balance Minimum Payment Amount Enclosed $2,251.27 . $72 00 PLEASF. PAY AT LEAST THIS AMOUNT ENJOY 24/7 ACCESS TO YOUR ACCOUNT Fay Wily Cl ky N N t Nomcuvnr Ntlrro'l MELANY BASA 4400 THE WOODS DR APT 1724 SAN JOSE CA 95136-3860 Capital One Bank IUSA) N.A. P.o. Box 60599 City of Industry. CA 9171l -059'I -4925 14 2251270069000072002 122 all 14 Code next to your APR(s) P I D F How da we calculate your APRis)1 Index + margin (previously dlsdosed to you) Pnme Rate+ margin 1 month IIBOR + margm PnmeRate+ marge I month IIBOR + margin WhenyourAPR(s) H change )Ihe firstdayofthe Billing Cydes that fend rn lan, Aprrl, iuly. nd Oe The f rst day of each 8 Br ng Cyde How can I Avoid Membershio Fees? If a Renewal Not ce a p rnted on the front oi tlus statement, you may avord paying an annual membershrp Fee by contacting Custerner Service no later than 45 days after the last day n the Billing Cycle covered by this statement to request that we close your amount To avoid paying 4 monthly memberslrip Fee, dose your amount and we w il stop assess ng your monthly membersh p Fee Hant r rr m 4, trttl You can anted customer servco anylme to requert that we dose you account How do I Make Payments'I You may make your payment in se etal ways 1 Onlmeandloggmg intayouraccount, 2 Cap lal One Mobrle Banking app for approved elect ante dev ces, 3 Telephone Voce Response System by draling the telepirone number lated on the front of tha statement and fofowing the vorce prompts; 4 Calf ng the telephone number lrsted on the front of this statemerrt and provrd g yo»nfo mauon to our representative, 5 Send ng ma I paymenls to the address on the front of ries sratement wah the paymenr mupon or your acco nt mformat on. Ho~wc n A *lap I I te est charaesy lfyau payyourstatemenfsNew Balance nfugbylheduedate, we will not charge you interest on any new tmnsachons that posl lo the purchase segrne t. If you have been pay ng ye or account m full w th no Interest Charges, but then you do not pay your next New Balance in full, we wr0 charge interest on the ponlon of the balance Ihat you drd not pay For Cash Advances and speeal Transfers. we w R start drargmg Interest on the transadion dat«. Co&in promotional offers may allow you to pay less than the total New Balance and avord paying Interest Charges on new purchases. Please refer to the front of your statement for additional infomation. How is the Interest charac anolied) Interest Charges accrue from the date of the uansaeron or the first day of the Billing Cyde Interest Cha gee scene on everyunpaid amount until rtis paid n fug This means you may owe Inta&mt Charges wren sf you pay the entire New Balance for one Bigrng Cyde, but did nol do so the prev ous Biging Cyde. Unpaid Interest Charge are arided to the corresponding segment of your ac:aunt. Donna amass a Mfnfmunkf I t Charaey We may assess a min mum Interest Chatge of 50.50 for each Big mg Cyde ii your acmunt is sublect to an Interest Charge. How do vou Calculate the Interest Charaey We use a method called Average Darly Balance finduding new transamons). I. Hrsr, for each segment we take the beginning balance each day and add in new transactions and the penod c Interest Charge on the previous day's balance Then we subtrad any payments and credm for rhat segment as of that day. The result is the daily balance for each segment However, if you paid your previaus months balance in full (or your previous stemment balance was zero or a credit amount), new transactions whi&h post to your purchase segment are not added to the daily balance 2. Next, for each segment, we add Ihe daily balances together and divide the sum by the number of days in the Brgrng Cyde The nnult retie Average Daily Balance for each segment 3. At the end of each Billing Cyde. we multiply your Average Daily Balance for each segment by the daily periodrc rate (APR divided by 365) for Ihat segment, and then we multiply the resuh by the number of days in the Billing Cycle We add the Interest Charge~ for ag segments together. The result n your total Interest Cha ge for the Billing Cyde NOTE: Due to roundrng or a minimum interest Charge, this cakulation may vary slighdy Irom the Interest Charge aeeayy assemed. How «an mv Venable APR chanoet Your APR may increase or deoease based on one of the following reported indxes freponed rn The Wall street foams l) To find which index is used for you account, look for a lerter cade onthefrontolthisstatementnexttoyourAPRBI. Ihencheckthetablebelow H 4 P«em Paumentst When you make a paymenl, you authorize us to ir Iiate an ACH or eledronic payment that wra be debrled from yaur bank account or other related account When you prrwrde a &heck or check information to make a payment, you authorize us to use inforrrmlion from the &heck to make a one time ACH ot other eleeronic transfer from your bank account We may also pm cess it as a check tranmction. Funds may be withdrawn from your bank account as soon as the same day we procew your payment. When wiH vou Credit Mv Pavment) For mobile, online or over the phone, as of the bu sinew day we receive it, as long as rt is made by 8 p m. ET For mailed payments, as of the business day we receive n, as long as you send the bonom ponion of this statement and your check to the payment address on Ihe front of this statement. Please almw ar least (I) business days lor mail delivery. Mailed paymenrs received by us at any other location or payments in any other form may not be eedrted as of the day we receive them, How do vou Anolv Mv pavment) We generally apply payments up to your Minimum I'ayment lirst to the balance with the lowest APA (mdudrng 0% APII), and chen to balances with higher APRs We apply any part of your payment exceeding your lvlinimum payment to the balance with the highest Apn, and then to balances with lower Ap he BglinrlnighttSummard rdoesnorAoohroy rfp sAccoaersr larhat To Do If You Think You Find A Mistake on Your statement: If yau thmk there is an error an your sate ment, wrac to us at Caprtal One P 0. Box 30285 SaIt take Gty, U T 841 30 0285 In your letter, g ve us the following nfa mahorv . Account rniormauan: Your name anrl acmunt number Dollar amount 0 e dollar amount of the suspected error. Deseiption of problem 0 you thnk there is an enor on your brg, desmbe what you bel eve ts wrong and why you believe it is a mistake. You must anted us within 60 days after the errot appeared on your statement. You must notify us of any porential errors in writing You may call us or noaly us electronically, but sf you do we are not requ red to rnvestrgate any potentral errors and you may haue to pay the amount rn question We wrg notify yoe n wriang w Ibm 30 rbys of our race pt of yout lener. While we investigate whether or not there has been an enor, the follows ng are true; We cannot try to collect the amounl in question, or repon you as delinquent on that amount The charge in quesaon may remain on your statement, and we may conunue to charge you rnterest on that amount But, I we determine that we made a m stake, you will not have to pay the amount in question or any mterest or other lees related to that amount While yo do not have to pay the amount In qoestion untrl we send you a not ce about the outcome of our rnvestrgaton,yn areresponsrblefortheremarnderofyourbalance We can apply any unpard amount agatnst your aedit lrmtt W the 90 days oi our receipt of your letter, we vng send you a wrrlten notice expla nrng ether that we cor seed the e tor (to appear an your next statement) or the res mns we bel eve the b II ts cared Your Rights If Yo Are Dissatisfred With Your Purchase; If you ared tsatisfied wth the goods or servrces that you have purchased wrth your uedrt &ard, and you have tried in good fanh to corree Ihe problem wrth the merchant. you may have the rrght not to pay the remaining amount due on the purchase To use this nght, the loan ng must be true I) You must have uscrl you cade card fo the purchase purchases made wrth cash advances from an ATM o Mth a check rhat access&a you crerl t card account do not qualify, and 2) You must not yer have tully paid for the purchase If ag of the cnte a above are met and you are st 8 drssaasfred wrth Ihe purchase, conlad us ra wnting at Caprul 0 e P 0 Box 30285 Salt lake Oty, UT 84130 0285 Whse we rnvesbgate, Ihe mme rules apply to the d spuled amount as drscussed above. After we gntsh our nveshgatron, we 8 teil you our deosron. At that pont, lwe thmk you owe an amount and yorr donor pay e may repon you a! del nquent &0 2015 Caprtal One Caprtal One a a federally regntered san ice mark ETC OB OMIBI15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly. Home Phone Alternate Phone F-mai) Address Please pmnt address er phone numbrrr above u ins blue or black ink ~ Make checks payable to Capital One Bank fUSAh N,A. and mail with this payment slip. ~ Don't staple or paper clip your cherk 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 arfount number on your check. 123 Page lot I Customer Benrice 1800903 3fi37 www.cBpitalon0.corn Sep. 15-Oct. 14, 2015 30 Days rn Billing Cycle ] Platinum MaaterCard NEW BALANCE $2,196.46 Credit Limit: $2,250 00 Available Credit. $53.54 MINIMUM PAYMENT $66.00 Account ending in 4925 DUE DATE Nov 11, 2015 PUASE PAY Ar LEAST Tuls AuouuT Cash Advance Credit Limit: $ I 50.00 MINIMUISI PAYMENT WARNING: It you msks ody Ihs mbimuni Paymsutssch Psrkn yuu vdl pay mors ininisxwt and it wa lakeyau longer to pay sff ymr bskrnro For sxamp's payment Amount Ea«h period If No Approximate Tints to payoff Estimated Additional Charges Are Made Statement Balance Total Cost knimm Paymsni TAVsso taaoe Sdr l 3Vsso Your estimated savings if you pay off this balan«s in 3 years: Se,taa If /xi woLM tis niommm sbeul osdlmunxdng semess, mf T-GPO3999955. Avaiiable credit for cash Advances: $53 54 LATE PAYMENT WARNING: ifwsdonsruoxwtuurmnimumpaymmttyycurdue dais, you may have Io paya his fee el up Io 395m and IiurAPRs nwy be nrsassd up Io Ihs PsrrdyAPR of294IPA. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $2,196.46 ! ~TRANSACTIONS PAYMENTS, CREDITS 6 ADJUSTMENTS FOR MEIANY BASA N4925 I 16 SEP CAPITAL ONE ONLINE PYMTAuthDate 16-SEP 2 05 OCT CAPITAL ONE ONLINE PYMIAuthDate 05 OCT TRANSACTIONS FOR MELANY BASA ry4925 ($ 50.00j ($ 50 00) AIW8$5 cllt /OUI'eNI(t:e... I'ay your bill on(me and take advantage of these and other on-the-go servicm Capital One'ext massaging Card replacement Travd notification FEES Total Fees This Penorl $0.00 log into www capitaione,corn to take advantage of ihese and orher on-the.go services. INTEREST CHARGED INTEREST CHARGE PURCHASES Total interest lhrs Penod TOTALS YEAR TO DATE Total Fees Tirrs Year Totallnierest This Year $45 19 $45 19 $ 19 00 $ 279.95 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APRI is the annual interest rate on your arcount Annual Percentage Balance Subject to Type of Balance Rate jAPRj Interest Rate Interest Charge Purchases 24 90% P $ 2,208 16 Cash Advances 24 90'/ P $ 0 00 P,L,D,F =. Venable Rate See reverse of page I fur details $ 45 19 $ 0 00 PLEASE RETURN PORTION BELOW WITI.I PAYMENT OR LOG ON TO ININW.CAPITALONE COM 10 MAKE YOUR PAYMENT ONLINE. Cag tal7B. Due Date ',f Nov 11, 2015 Account ending in 4925 New Balance Minimum Payment $2,196 46 I $66 (j(j PLEASE PAYAT LEASI'HIS AMOUNT Amount Enclosed 4925 14 2196460050000068007, ENIOY 24/7 ACCESS TO YOUR ACCOUNT '*r b II' cu xy vl* As s V" mctlv s x(Eris'LlJ MELANY BASA ur»JD THE IIIOODS DR APT 172II SAN JOSE, CA 9513l,-dabc Capital One Bank (USA), N.A. PION Box I05'I'I City of Industry. CA 'fl7l,b-0599 I" I'I I'lli'illiirfl i»l'i »iii I'l»illiil»it li I I'illill 4925 14 2196460050000068004 124 Code next to your APRls) D F How do we calculate your APRN)i Index + margin (previously disdosed to you) Pnme Rale I margin 3 month U BUR + margm Pnme nme+ margin I month UBOR I- margin i When your APR(s) w B change The fi st day of the bBug Cydas that end in lan., Apr I, inly, and 00 Ihe brat day of each Bdlrng Cyde. How can I Auoid Membemhio Fees1 If a Renewal Notice I p inled on the front of thn statement, you may avord paying a annual membership Fee by conladrng Customer Sewrce no later thart 45 days afler the last day tn the Billing Cycle covererl by the statement to request that we dose your acmunt To avoid paymg a monthly ~embersh p fee, close your account and we wrB stop assess ng yau monthly membe shrp Fee. How TAAAXJa rvr 4 I You can conlah Customer Servca anytime to request that we dose your accounr How do I Make Paymente You may make your payment n several ways Onlne and iogg ng into your account, 2 C p tat 0 e Mobile Basking app for approved elenronrc deuces, 3 telephone Voce Response System by dalrng the relephone number i sled on the front of trna statement and folio ng the n ce prompts, 4 Caibng rhe telephone number lated on the font of thts statement and povrdrng your nfo rnaton to our representative, Send ng ma I payments to ttre add ess oa the front of tbs stateme I w th the payment coupon or your account mlmmatio ~ow an I Avoid pa in lme est ch eu If you pay your statements New Balance n full by the due dale, vre will not charge you nterest on any new transactions that post to the purchase segment. If you have been payrng your account rn full wnh no Interest Charges, but then you do not pay your next New Balance m lull, we will charge interest on the port on of the balance that you did not pay. For Cash Advances and Special Transfers, we writ start chargrng Interest on the transactron date. Cerlarn pmmotional ogeu may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for addrlronal informauon, How is the Intermt Char~ca lied7 Interest Charges amue fram the date of the transaction or the first day of the Billrng Cycle Interest Charges acmre on every unpaid amount unbf it Is paid rn fug This means you may owe Intere~t Charges even if you pay the entire New Balance for one Billing Cyde, but drd not do so the previous Biihng Cyde. Unpaid interest Charge are added to the corresponding segment of your account. D «m a Minimum Intere t Charee7 We may assess a mirirmum Interest Charge of ED 50 for each Billing Cyde if your amount is subject to an Interest Charge. How do vou Calculate the Interest Charac) We use a method called Average Daily Balance gncludrng new lransamons). First, for each segment wetake the beginning balance each day and add in new Iransadions and Ihe periodic Interest charge on the prev roue days be lame. Ihen we subtra0 any payments and credits for that segment as of that day Ihe result is the daily balance for each segment However, if you paid yaur previous month's balance m full (or your previous statement balance was zero or a credit amount), new tranmdions which post to your purchase segment are nm added Io Ihe daily balance. 2 Nett, for each segment, we add the daily balances togetherand divide the sum by the number of days in the Br 8 ng Cyde. ihe result rs Ihe Average Daily Balance fot each segment. 3. At the end of each Bilbng Cyde, we multiply your Average Daily Balance for each segment by the daily periodic rate (APII d v dad by 365) for that segment, and then we multiply the result by Ihe number of days in the Billing Cycle. We add the interest Charges for all segments together The result is your total Interest Charge for the Brlling Cycle NOTE Due to round ng or a rni ~ rmum Interest Charge, this mlculaoon may vary sligtrtil from the Intetest Charge actually assessed How can mv Variable APR change7 Your APR may rncrease ordeuease based on oncefthe following reported indrces freponed m The wali st act Ion aB, To lind which rndex is used for your account, look fora letler code on the front of thn statement next to your APR(s). Then check the table below. H d P nss Eaanuntsz When you make a payment, you aulhonze us to inrtrate an ACH or eledronic payment that w Il be deb led fram your bank account or orher related account When you provide a check ot check rnformatron to make a payment, you authonze us to use mformation from the check to make a one time ACH or other elecrran c transfe from your bank account We may also process rt as a 0 eck transaction. Funds may be wnhdrawn from your bank account as soon as the same day we process your paymenc When wilt vou CmdR Mv Pavmentz For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p m. ET For mailed payments, as of the bust ness day we racer ve rt, a long as you send the bottam pomon of this statement and your check to the payment address on rhe front of this statement Please allovr at least (7) burmese days for marl delrvery Ma led payments recerved by us at any other location or payments in any other farm may not be Dediled as of the day we receive them How do vou Ao I M p tz we generally apply payments up to your Mrnrmum Paymem frrst to the balance with the lowest APR tindudrng 0% APR'I, anrl then to balances wrth higher APRs We apply any part of your payment exceeding yeur Minrmum Payment to the balance wrth the hrghest APR, and then to bate nces with lower A Pits 8 lling Rights summarv TD 1400kro Fmap 8 ssffness Acmours) What To Do If You Think Vou Find A Mistake On Your Statement: If you think there is an error on your statement, wrire to us at Capital One P 0. Box 30285 Salt take City, 0 T 84130 0285 In your letter, gwe us the follow rng mfa rmab on: Atmant info r mali on; Your name and account number . Dollar amount 7he dogar amount of the suspected enor Descrfptron of Problem If you th nk the e u an error on you b 8, descnbe what you beireve rs wrong and why you believe it rs a mistake You must conrad uc wahin 60 days after the error appeared an your statement. You must notify us of any potentai errms in wntrng You may&all us or notify us electronically, but if you do we are not requrred to rnvestrgate any polentral coors and you may have to pay the amount in question. We wrg notrfy you rn wnl ng with n 30 days of our recept of you letter White we rnvestigate whether or not there has been an errat; rhe following are true We cannot Iry to coiled the amount ~ q eaton, or report you as delinquent on that amount lhe charge in questron may remarn on your statement, anrl we may cont nocto charge you rnterest nn that amount But, rf we determrne tlmt we made a m stake, you w 8 not ham to pay the amount in question or any nterest or other fees related to that amount Whrle you do not have to pay the amount 0 questron unt I we send you a notice about the outcome of our rnvest gat on, you are responsr hie for the rema mder of your balance We can apply any unpa d amount agarnst your crcd I Im I Withrn 90 days oi our recept of yaur letter, we v 8 send you a wnuen not ce e plamrng e ther that we corrected the error lto appear on you next statement) or the reasons sve beheve the b 8 s co reo Your mghts If vou Are Dissatwherl w th Your purchase If you are 4 ssatrsfied wrth the goads or cerv ces that you lrave purchased w th your wed t card. and you have tned n good faith to corren the problem w th the merchant, you may have the ghr not to pay the cmarnr g amount due on the purchase To uw thrs nght, the followrng must be hue I) You must have used you oed I ca d Io the pu ch se Pvuhases made vrth cash advances f oman ATEI or mth a check that accemesyo uedrt ca 0 account do nor q ally, and 2) You must not yel tta e hrlty paid for rhe pwctrase lfagofthec tenaabo eaemetandyo, estgdr satshedwth the pachase,contactusrnwntngat CapttalenePO Bo 30285MItlukecrty,UT841300285 Whle we rnvestigate, the same rules apply to the deputed amount as drscussed abo e. After we frn eh our rnvesngaton, wewgtellyouourdenson Atrhat pot ~ t,riwerhinkyouoweanamountand)o donotpaywe may re pun yov as delmquent 0 2015 Capnal One Caprtai One n a kdemlly emstered serves mark ETC 08 0812 5/I 5 Changing Address? Not quite ready to make payments online' Address No problem. Follow these simple steps to make sure we process your payment smoothly: Horne Phone Alternate Phone F -fTI a I I Rddfess Plraso pmr I address cr phono number above 0 me bluo or black ink. ~ Make checks payable to Capital One Bank fL(SA), N.A. and mail with this payment slip. ~ Don't staple or paper dip your check to the payinent 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. 125 Platinum MaatarCard NEW BALANCE $2,266.46 MINIMUM PAYMENT $164.00 Page 1 of 2 Customer Benrice 1000.9(M837 www.capita)one.corn Account ending in 4925 DUE DATE Dec ll,2015 OOL 15-Nov. 14,2015 31 Days in Billing Cycle MINIMUM PAYMENT WARHIHGf O you make onlf tie mitimum paprwnt wxh paxxl yrw will pay nore in interest and it vnf take you longer to pay dfper babmw Forexampb payment Amorrnt Each period If No Approximate Time to payoff Estimated Addnional charges Are Made Statement Balance TomtCosl M6mum Panmnl IAYmm i 85,805 lf you woukl lilre n fern dion about credit oounselng senfoea oaf I Jeaaaaatfa. Credit Limit: $2,250 00 Available Credit: $0.00 PLTAST PAYAT LEAST THIS AMOUNT Cash Advance Credit l.imit: $ 150 00 Available Credit for Cash Advances: $0.00 IATE pAYMENT WARNING; If we rb not reeve your mirfirnum paymwf byyour due date, you may have lopay e bte fee of up to 335 00 and p orApRsmaybe innmsed vp lo Ihe Pawky APR d28 4PA Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ( $ 2,196.46 ( $ 0.00 J + ( $72.00 J 4 '0.00 = ( $2,268.46 fnr quest mts aborn tfris r count, Pease 1 ve us a cail al I-RL'0-955 5000 We'l I:e ulwti otreip you Mondaythrocqh lridtyfr m8 am to il umt, EI, trd Snurdz,.md 5 mt,*;: tron 8 a rn to 5 p rn E I Important Notice Your account was past due Under the terms we previously disclosed to you, tl your account is past due age rn rn the next 12 brllrng cydes, your Annuaf Percentage Rates (APRs) may mcrease. PAYMENTS, CREDITS & ADJUSTMENTS FOR MEIANY BASA f74925 TRANSACTIONS FOR MEIANY BASA sr4925 Help is available Avoid misstng future payments by setting up free, customizabte account alerts. Enroll in online banking or log into your account at capita(one.col)l 00045-C FEES I I I NOY PAST DUE FEE Total Fees This Penod INTEREST CHARGED Transactions continue on page 2 $ 25 00 $ 25 00 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Ratepa , nterest arge P ~ rctrases 24.90% P $ 2,222 31 $47 00 Cast& Advances 24 40% P $0 00 $ 0 00 P I D F =- Varmble lisle See reverse of paqe I for deiarls PLEASE RETURN PORTION BELOW WITII PAYMENT OR LOO ON TO IMIYW CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE. 4925 14 2268460050000164000 ~ta tmt~e Due Date I Dec 11, 201 5 7 Account ending in 4925 New Balance Mrrlrrttrrm Ptynrrmt $2,268.46 '1 64.00 PLEASE PAY Al LLAS I THIS AMOUNT Amount Enclosed r Take Advantage. Take Control. IV(anage your account online at www.capita)one.corn Set up account alerts Renew accoun: information MELANY BASA 4400 THE IJOODS DR APT 1724 SAN JOSE. CA 9513I*-38I 0 . Manage your account m pnvacy Capital One Bank (USAJ, N.A. P.O. Box f 05'f9 City of Irdustry. CA 917ll.-0599 400020 i " l)i Ifliifiliif if i » iii )))i ' ' " illiil » ii li I I'i)lill I,925 14. 2268I,60050000164000 126 &XII 14 Code hest to your APR(s) Howdo scale latey urAPR(s)7 Index+ aqdn(pe lo slydndosedtoyou) P rn e Rate + margin 3 nmnth HBOR I margrn Pnme Rate t ma g ~ I month LIBOR I- marg n When your APA(s) will change The frat day ot the 8 Brng Cydas that end rn lan, Itpnl, luly. and 00 The first day of each 8 0 ng Cyde How ca I Avoid Membershio Fees' a Renewal Notrce I pnnted on Ihe front of thu statement, you may avoid paying an annual membership Fee hy co lact ng Customer Sewrce no late than 45 days after the last day rn Ihe Bing Cyde covered by thrs slate enl to equest that we dose your acmunt Ta avod pay ng a monthly membershtp Fee, close yours &aunt and we 8 stop assess ng you monthly membershrp Fee u r rt m aw nl» Yeu Can Cancan CurtOmer SerVCe anytrme ln Cqueet that We dOSe TO r a«ount Ho dolM k Pavments» Yo maymakeyourpayment m ealways I Onlne and loggmg rnto you acor t. I CaprtalOneMobrleBankng ppf apmo vdelcao cdevces, 3 Telephone voce Response System by dralrng the telephone numbe Irsted on the front of the starmnent and Iogowrng the voice promp«. 4 Cagmg Ihe telephone numbe Irsterl on the fro t of the statement and po dng your mfarmaron to oar repwsenw e, 5 Send ng marl payments to the adrl ms on the ko t of ti ustateme t ah the payment coupon or your account rnfmmatron How ca I~nvmd pa inn I t t ch qes7 tf you pay your statement's New Balance in fug by the due dale, e 8 not cha ge yau interest on any new trauma&un«I that post to rhe purchase segmenr. If yeu have been payrng your account rn full svrth no Interest Cha ges, but then you do not pay your next New Bala«a niug, we wrg charge interest on the portion of Ihe balance that you d d not pay For Cash Advances and special Transfers, we wig start cha ging Interest on the transadron date. Carta n promotional ogers may allow you to pay less than the total New Balame and averd pay ng Interest Cha gee on new purchases. Please refer to the front of your statement for add tronal infarmation How is the Interest charac so alia di Interest Charges accrue from the date of the trente coon or the tirst day of the Bglrng Cycle Interest Charges accrue on every unpaid amount untd rt is paid i ~ full. This means you may owe Intetest Charges even I you pay the entrre New Balance for one 8 gmg Cyde, but drd not do so the p evrous Billing Cyde unpaid Interest Charges are added to the cmresponding segment of your account Do vou assam a Minimum Interest Char~et We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is sublect to an Intetest Charge. How do vou Catcutate the Interest Charac» We use a method called Average Darly Balance (inciud ng new Iransamons) 1. Frrst, for each segment we take the beginrirng balance each day and add rn new transactrons and the periodic Interest Charge on the previous day's balance lhen we subtract any payments and nerllts for that segment as of that day The result is the daily balance for each segment However, if you paid your previous month's balance rn full (or your previous statement balance was zero or a credit amount), new transactionc which post lo your purchase segment are not added to the da ly balance 2. Next. for ead segment, we add Ihe da ly balances togeiher and drvrde Ihe sum by the number of days rn the Billing Cyde. The result rs the Average Daily Balance for each segment 3. At the end of each Brgrng Cyde, we multrply your Average Daily Balan&a for each segment ty the daily penodrc rate (APR drvrded by 365) fo that seg ne I and then we muitrply Ihe resuh by the number of days rn the 8 8 ng Cycle. We add the Interest Charges lo all segments together The result is your total Interest Cha ge for the Billing Cycle NOTE Due to toundrng or a mnimum Interest Charge, trna cakulation may vary slrghtly from the Interest Charge aduagy assessed. Howmnm Va abl APRchanoe7 YeurAPRmaywcreaseo deneasebasedononeofthefogowmgreporled indrces (repaned in The Wall Street fourna0 To hnd h ch tndex ra used for your acmunl, look fora letter code ~nlhefrontofthisstatementnexttoyourAPRB) Thcncheckthetablebelow. H d Pow ~pa ment I When you make a payment, you authorize us Io rnrtrate an ACH or eledranic payment tint will be debited from your bank a«ount or orher elated acmunt When you p owde a check or check information to make a payment, you authorize us to use information from the check to make a one time ACH or other electronic ttansfet from your bank acmunt we may also process rt as a check lransacaon. Fundsmaybewrthdawnlromyourbankacmuntassoonasthesamedayweprocessyourpayme t, When will vou Credh Mv Pavm ntz Formobile,onineoroverthephone,asolthebusinessdaywereceiveit,aslongasaumadebyBpzn ET . For mailed payments, as of the business day we re&ewe 4, as long as you send the bottam pon on oi this statement and your check to the payment address on the lront of this statement Please allow at least i7) business days for mail delrvem Mailed payments recewed by us at any other location or payments in any other form may not be «edited as of the day we receive them. How do vou Aoalv Mv Pavmenti We generally apply payments up to your Minimum Payment fret to the balance with the lowest Al'R (rndudrng 0% Apa), and then to balances wrlh higher Apas we apply any part of your payment exceedrng your Mi~ rmum Payment to the balance with the hrg hest APR, and then to balan«s wrth lowcf APRF Big irrg Rfghh~sum a~Does nor Aavfv ro smaff Basaes*Acme r I What To Do If You Think You Find A Mistake On Your Statement; if you think there is an error on yout statement, write to us at. Capital One P 0. Box 30285 Salt take City, 0T 84130 0285 In your letter, give us the fo Bows ng inform avon. . Accaunt information: Your name and account numbet. Dagar amount The dollar amount of the srispected enor Desoiption of Problem If you Ihrnk there Is an error on your bill. descnbe what you beire e rs wrong and why you believe it is a mistake. You must contact us within 60 days after the error eppes ed an your statemenr You must notrfy us of any potentral errors m wnbng You may rag us or nolly us ete&tronicagy, but sf you do we are not requrred to investigate any potenrral errors and you rrny have to pay Ihe amount in question We will notify yourn wntrng withrn 3D days of our rece pt of your letter Whrle we investrgate whether or not there has been an enor, the following are true. . We cannot tq to caged the amount n questian, or repon you os delrnquent on that amount Ihe charge rn quemon may temmn on yaur statemenl, and vre may continue to charge you nterest on lhat amount. But, tf we determme Ihat we made a mistake, you w 8 not have to pay the amount r~ quest on or any interest or other fees related to that amount While you do not have to pay the amount in qumtion unt I we send you a norice about the outcome of our mvestrgatron, you are responsrble for the remainder of your balance Wecanapplyanyunpardamountagarnstyourcredahmt wthngqdaysofou receptofyowtetter, ewg send you aw lien notrce explain ng ether that wecorreqedthe e ror (to eppes on you nenstatementlo Ihe reasons we bel eve the b II s m +0 Your Rights If You Are Dissatisfied Cmth Your Purchase; 8 you are 4 ssatisged w th lhe goods ar semces that you ha e purchased tv th your oedit &ard, and you have tried rn geod taith to correct the p oblem with the merchant, you may have the nght not to pay Ihe remarnmg amount due on the purchase To um this ight, the fogosv ng muu be true I) You must have used your credrt card for rhe purchase. Pu«bases made th cash advances from an ATM or wuh a check that accesses your qed I ca d acmunt do not qual fy, and 2) You must not yet have fully pard for the purchase If ag of the mterra above are met and you are strg drssattsfred wah the purchase. contact us m wrteng ac Caprtai One P 0 Bax 30285 Salt take Gty, UT 84130.0285 While we investigate. the same rules apply to the deputed an»aunt as ducussed abo e, Afrer we I nish our rnveshgatron, wewrg tag you our deciuon At that pornt, riwe thnk yo o e n amount and you do not pay vre may «port you as delmquent W 2015 Caprtal One Caprtal One re a federally rerpstered semce ma I EIC 08 OBIIBI15 Changing Address? Address Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone Alternate Phone F mail Address Pleas& print address or phqnr. number abovn vstne blu& or black ink. ~ Make checks payable to Capital One Bank fUSA), 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 corlespondence, ~ Last but not least, be sure to write the last four digits of your account number on your check. 127 Page 2 of 2 Customer Smvioa lahseapsy www.capltalone.corn Oct. 15 - Nov. 14, 2015 31 Days in oilhng Cycle Credit Limit: Avarlable Credit Cash Advance Credit Limit: Available Credit for Cash Advances: $ 2,250.00 So.oo f $ 150 00 $0.00 J Previous Balance $2,196A6 J Payments and Credits Fees and Interest Charged ~$72.00 J Transactions New Balance , TRANSACTIONS CONTINUED INTEREST CHARGED ICONTINUEDI INIt:REST CHARGE. PURCHASES Total Inrerest This Peiiod $47.00 $47 00 TOTALS YEAR To DATE total Fees This Year Total Interest This Year $44.00 $325.95 You were assessed a past due fee because your mmimum payment was not received by the due date To avoid this fer in the future, we recommend that you allow at least 7 business days for your mmimum payment to reach Capital One 128 Platinum Maateroard NEW BALANCE $2,017.96 Credit Limit: $2,250.00 Available Credit: $ 232.04 Page 1 of 2 Customer Smv'me 140113030632 www.capit&lone.corn MINIMUM PAYMENT Account ending in 4925 DUE DATE Jan11,2016 PlEASE PAYAT LUIST furs AWOUNr Cash Advance Credit Limit: $ 150.00 Available Credit for Cash Advances: $ 150.00J Nov. 15-Dec. 14,2015 30 Days in Billing Cycle i i MINIMUM pAYMENT wARNIN6; a too make rrtyso rmvmrm feymenleach pehod yru wy Iny more inintennl and 8 var lake you longer to pay off your bakmm. For example Payment Amount Each Period tf No Approximate Time to Pay Off Estimated Addhionaf Charges Are Iuede Statement Balance Total Cost 13Veas t Saay Sal IRBB Your estimated savings if you pay off this balance in 3 years: 32352 It 1'ou mlUU Ike bfofmaton about cfaff coUrnrang somms, oat 'I 463 3254055. lATE pAYMENT WARNING: 3we do not reeveyour rmmum pennant by yourdue rute, tcu Irnir have to pair 8 lwo foe of Up to 335 00 axi yaxApfw lnvr tn nooased Up to the Perray APR dBIAOF Previous Balance $2,268.46 ] Payments and Credits $29400 J + Fees and Interest Charged $43 50 + Transactions $0.00 New Balance $2,017.96 ! rTRANSACTIONS J PAYMENTS, CREDITS & ADJUSTMENTS FOR MELANY BASA hr4925 I 19 NOV CAPITAL ONE ONLINE PYMTAuthDate 19-NDV 2 08 DEC CAPITAL ONE ONLINE PYMTAutitDate 08-DEC 3 11 DEC CAPITAL ONE AUTDPAY PYMTAurhDate 19-NDV TltANSACTfONS FOR MEIANY BASA f34925 FEES Total Fees This Penod ($ 164 00) ($ 50 00) ($ 80.00) $0 00 )+Mo Credit cards are only ot the eqllation. Le3 0 el)ou( all the ways we can serve COP J'tOIOJT O. COTTI. pa It yoof ocecls a( 300018 C INTEREST CHARGED INTEREST CHARGE. PURCHASES Total Interest This Penod TOTALS YEAR TO DATE Total Fees Thts Year Total Interest Ti»s Year Transactions continue on page 2 $43 50 $ 43 50 $ 44 00 $ 369 45 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annualinterest rate on your amount. Annual Percentage Balance Subjectto Type of Balance Rate(APR) Interest Rate(Apff 8 Interest Charge Pulcilhsvs 24 90% P $2,125 31 $43 «0 Cash Advances 24.90% P $ 000 $ 000 P,L,D,F = Venable Rate See reverse oi page I for details PLEASE RETURN PORTION BELOlN WtTH PAYMENT OR LOG ON TO WWW.CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE. J,925 14 2017960080000065007 Caplgaatofte- Due Date JBDTT,2016 7 Account ending in 4925 New Balance Minimum Payment Amount Enclosed $2,017.96 I Sos.oo J I .'L PLEASE PAY AT LEAST TH 5 AMOUNT ENJOY 24/7 ACCESS TO YOUR ACCOUNT ' vr 8 lli Cr ky Vr 8 t rvi 8OOOtO ISELANY BASA 4400 THE WOODS DR APT 1724 SAN JOSE CA 95134-381 0 Capital One Bank (USA). N.A. P.O. Box I*DS9'i City of Industry CA '11711-059*1 I " I'I'I'III'III'I II Ililll H lif I ' " IIIIII » Il II I IIIIIIII 4925 14 2017960080000065007 129 or)I rl Cede next to you APR(s) l How do we calmlate your APR(s)7 Index + ma g n (previously drsdosed to When your APR(s) will change you) The lirsr day of the Biging Cydes that end in lan, Apnl, luly, and Ort Pnme Rale + ma gin 3 nr on rh tl 8 OR + m erg n The first day of each Brging Cy&le.Prme Rate t margrn I month UBOR + margin How «an I Avoid Membershio Fees' ~ Renewal Notes is pnnted on Ihe front of this statement, you may avord paying an annual m embers h p Fee by contemn g Customer Sen xe no later than 45 days after Ihe last day rn the 0 Bmg Cyde cove ed by th s statement to request that we dose your account To avoid payrng a monthly membuship Fee, close yourac&ount and e Ilitop assess ng you monthly membershrp Fee H * I rl M e You ran contart Customer semce anyttme to request that we dose your acmunt How do I Mak pavmentss You may make your paymenr rn seve always Onhne and loggrng into you acco t. 2 CaprtalgneMobrleRMN gappfo appo edclectomcdc ces, 3 lelephone Voce Response Sysrem by rising rhe telephone number lated onrhe front ofthrs statement and fogo ng the ace pror pts, 4 Cating the telephone numhe hsterl on the lro t of Ihrr statement and provrdmg your rniormauon to our representatrve, 5 Send ng ma I payments to the adrl est on the fo I of th stateme Imlh the payrn nt coupon or you&account nformatron How C~n~lnvoid Pa in Interest Cha~rb27 If you pay your stalements New Balance in full by the due date, we w 0 nol cha ge you rnterest on any new tcansartrons tt at post io the purchase segment H you have been payrng your account rn full wrth no Interest Charges, but then you do not pay yout nem New Balance rn full, we wrg charge interest an the portion of the balance that you rlid not pay. For Cash Advances and Speoal Transfers, we wrg stan charging Inta est on the transadion dale. Carta n promational offers may allow you to pay less than the intel New Balance and avoid paying Interest Charges on new purchases Please refer to the front of your statement for ad drli on el irrfatmati on. How is the Interest &hares anoliedy Interest charges accrue from the date of the transa ebon or the I rst day of the Billing cycle Interest charges acoue on every unpa d amount until e is pa d in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so Ihe ptevious Bigrng Cyde. Unpaid Interest Charges are added to the correspondrng segment of your account Dribou assam a Minimum~lnt res Ch~ar e We may amem a minimum Interest Charge of 50 50 for each Billing Cycle 4 your accounl is subtect to an Interest Charge. How do vou calcufate the interest chareez we use a method called Average Darly Balance bndudrng new transadions). 1. First, for each segment we take Ihe beginnrng balance each day and add rn new transactions and the perradrc InterestCharge on the previous day's balance Then wesubtiact anypayments and nedib for that segmentas of that day The resuh u the dmty balance for each segment Nowever, rf you paid your previous month's balance m full (or your previous statement balance was zero or a oedrt amoung, new uansact one which post to your purchase segment are nm arlderl to the daily balance. 2 Next, for each segment, we add the daily balances together and dnide the sum by the number of days rn the Billing Cyde. The result is the Average Duly Balance for each segment 3. At the end of each Bilhng Cycle, we multiply your A erage Da ly Balance for each segment by rhe daily periodrc late (APR d v dell by 365) fm that segme t, and then we melt ply the result by the number of days In the Brgrng Cyde. We add the Interest Charges lo ag segments together The result is your total Interest Charge for the Billing Cycle NOTE, Due to round ng or a rninrmum Inrerest Charge, this calculation may vary slightly from the Interest Charge artuagy assemed How can mv Variable APR chanae7 You APR may increase or deuease based on one of the fegowrng reported induct (reported rn The Wali Street loumag To linrl hrch rndex 9 uml for your account look(ore letter mde on Ihe front of this statement next to your APR(sl. Then cl eck the table below. H w d P«P antsy When you make a payment, you authonze us lo mrtiale an ACH or electronic payment that wrg be debited from your bank account or other related armunt When you mov de a &heck or check rnformation to make a payment, you authonze us to uce nformalion from the &heck to make a one-arne ACH or other electromc transfer from your bank account we may also process it as a check transact ien. Funds may be withdrawn fram your bank account as soon as the same day we process your payment When will vou Credit Mv Pavmenl7 For mobile, online or over the phone, as of the businem day we receive it, as long as t is made by 8 p m, ET For mailed payments, as of the business day we receive it, as long as you send rhe bonom portion of Ihb statement and your check to the payment address on the front of thn statemenc pleme agow at leasl p) buuness dan lor mail delivery. Mailed payments recmved by us at any other location or paymenls in any other form may not be rtediled as of the day we receive them. How do vou Auolv Mv Pavmentz We generagy apply payments up to your Mnimum Payment first to the balance with the lowest ApR bndudmg 0% Apn, anrl then to balances wirh higher ApRs we apply any pan of your payment exceed ng your Minimum Payment to the balance with the highest APR, and then to bala nres with lower APRs aillin~Ri hw Summarm(Does nnowrrtpn ro small pvsrness Arcouetsl What To Do If You Think You Find A Mistake On Your Statement: H you think there is an error an your staie ment, wrire to us at: Cap i Ht One P O. Box 30285 Salt lake City, 0T 84130O285 in)our letter, give ui the following informabon: Account rnformation'our name and account number . DeBar amounr The dollar amount of the su spaded enor Descnption of Problem If you thrnk there is an error on your bill, des&nba what you believe rs rwong and why you believe it is a mistake. You must conmrt us within 60 days after the e ror appeared on your statement. You must nohfy us of any potential er ors in wntrng. You may call us or notify us eledronrcagy, but I you do we are nol required to invest gate any potential snore and you may have to pay the amount m qumuon We ~ill nolly you tn writing w rhtrt 30 days of our recerpt of your lener. While we investrgate whether or not there has been an error. the following are true: . We &annot try to cogert Ihe amount n question, or report you as delrnquent on thai amount. The charge in questionmaytemairronyourstatement,and wemaycentnuetachageyo mtemsto thatamount But,dwe rletermrne that we made a mistake, you wig not have to pay Ihe amouat n quest on or any rnterest or othe fees relaterl to that amount. White you do not have to pay the amounr m question until we send you a notice about the outmme of our mvestigat on, you are responnble for the rema n der ol your balance we can apply any unpard amount agamst your crerlt lrmr lmth 90 days of our ace pc et your letter, we w 0 send you a wntten notrce explainrng either that we mrrerted the e ror go eppes an yo neo statementl o the reasons we believe Ihe bill s corrert Your Rights If You Are Dissatisfied Wiih Your Pu chase: 0 you a e dns orbed th rhe goods or ser res that you have purchased wrrh your credrr &ard. and ynu ha e t ed i~ goorl larth to co rert the problem rvith the merchant, you may have the right not to pay the emarnng amou I due on the pu chase To use this nghr, the followrng must be true I) You must have used your oedn card for the purchase p rchases made eh &ash a I ances I o n an 47M or viith a check that accesses your oedit card account do not qu. I ly, and 2) You must not yet have fugy pod lor the purchase If ag of Ihe o terra above are met and you arear 0 drssarisfiert with Ihe purchase, conmct us n wnbng at Capital One P 0 Box 30285 Sah take City, UT 84130 0285 Whrle we nvestrgate, Ihe same rules apply to the deputed amounts rior. s ed abo c Afte we lneh our nveshgaton, we Btellyouou deacon Atthatpornt,rlvrethnkyouoweanamountandyoudonoipaywe mayreponyo asrlelnquent 0 2015 Cap tat 0 e Capital One n a leds ally ramate ed scrv ce mark IIC W oafzsrt 5 Changing Address? Address Not quite ready to make paYments online? No problem. Follow these simple steps to make sure we process your payment smoothly Home Phone Alternate Phone F-mai) Address Pleas& pnn( address or phonr. numbrr abovo usins blue or black mk. ~ Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. ~ Don't staple or paper clip your cherk 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 acrount number on your check. 130 Paga2of 2 Customer Bmvioe I SSOIBBM607 www.capftalone.corn Nov. 15- Dec. 14, 2015 30 Days in Billing Cycle Platinum MasterCard NEW BALANCE 62,01 7.96 Previous Balance $2,26BA6 MINIMUM PAYMENT 665.00 Payments and Credits I $ 294.00 Accountending in 4925 DUE DATE Jan11,2016 Fees and Interest Charged $43. 50 Credit Limit: $2,250.00 Available Credit. $232.04 Cash Advance Credit Umit: $ 150.DO Transactions New Balance ( $0.00 ~ = L $2,017.96 Available Credit for Cash Advances: M 50.00 ~TRANSACTIONS CONTINUED *Imponant Notice* You are enrolled in Autopsy. Your selected payment of $80.00 will be debited from your bank accounl on your Due Date. If your payment is less than the Minimum Amount Due, you will need to make an additional payment of the difference between the two amounts. If your payment is more than the Current Balance on your Due Date, only the Current Balance will be debited. 131 Cmgufa~l Platinum MasterCard NEW BALANCE $2,046.73 Credit Limit: $2,250.00 Available Credit: $203.27 Page 1 of 2 Customer Benrice I40F803.3637 www.capita(one.corn MINIMUM PAYMENT $66.00 Account ending in 4925 DUE DATE Feb 11, 2016 rtsrss RAYATIIAIITRIsnuounr Cash Advance Credit limit: $ 150 00 Available Credit for Cash Advances: $ 150 OOJ Dec. 15- Jan. i4, 20tg 3i Days in Billing Cycle ] MINIMUMPAYMENTWARNINGr gymm8kecoygemnhoumPapnNtmchnexbdyro mll pay more in infuser and s vaf take you kngbr lo pay dfwur Ixfance. For exanpk: Payment Amount Each Period If No Approximate Time to Pay Oft Estimated Addrtional Charges Are Made Statement Iralance Total Cost Mkirrun Paymed I 13yms 35,375 382 3Yean 32,335 Your estimated savings if you pay off this balance in 3 years: 32,40 If you vmukl like informaan atom credktcounselng samees, mt IJWt 3284055. IATEpAYMENTwARNING: sxodonotmosmyaurnsrimumpaymmttywurduedm, Iou may have to pay a tate fee of up to Neco anl nmrApRs rroy be irmeased up to Ihe PRRRSYAPRof29RP?. Transactions New BalanceFees and Interest ChargedPrevious Balance Payments and Credits i$2,017.96 J - [ $280.00 + ~ $44.30 ~ 4, $264.47 = [ $2,046.73L 2 (TRANSACTIONS J PAYMENTS, CREDITS 6 ADJUSTMENTS FOR MEIANY BASA ¹4925 I 19 DEC CAPITAL ONE ONLINE PYMTAuthDate 18 DEC 2 05 JAN CAPITAL ONE ONLINE PYMTAuthDate 05.JAN 3 11IAN CAPITALONEAUTOPAYPYMIAuthDate 11-DEC TRANSACTIONS FOR MEIANY BASA ¹4925 I '14 DEC FAIRFIELD INN!kSUITESCAPITOIACA ARRIVE. 12/14/15 DEPART 12/14/15 FOLIO¹ 34801? PHJI 831-427-2900 2 10 IAN SEPHORA 1445AN IOSECA 3 101AN VANS ¹02935ANTA CIARACA Total for Melany Nasa f4925 ($ 100 00i f$ 100 00) ($80 001 $ 144 90 $ 21 75 $97 82 $264.47 Pay your bill onhne anri take advantage of Ii:ese and other oruthe-gn services'I Capital One"'ext massaging Card replacement Travel notification log into www ca pits iona,corn to tak adrantage of these and other on thego FEES Total Fees Ibis Pened $ 0 00 Transactions continue on page 2 W TotalT~Ttds Pmiod $264A7 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APRI is the annual interest rate on your account Annual Percentage Balance Subject to Type of Balance Rate (APRI Interest Rate Interest Charge Purchases 2515% P $2,074.10 $ 44 30 Cash Advances , 25 15% P $0 00 $ 0 00 P,L,D,F Venable Rate See reverse of page 1 for details PLEASE RETURN PORTION BELOW Nil l H PAYMENT OR LOG ON TO WN/W CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE. ~g~dtul 0 Due Date FBD11, 2016 Account ending in 4925 New Balance Minimum Payment Amount Enclosed ( $2,046.73 I $66 00 PLEASE PAY AT LEAST THIS AMOUNT 4925 14 2046730080000066008 ENIOY 24JIT ACCESS TO YOUR ACCOUNT P rub Ck kv b .Rb b v burr»» bbsoia MELANY BASA RRDO THE bIOODS DR APT 1729 SAN JOSE CA 95136-3880 Capxtal One Bank &USA& N.A. P.O. Box 1 05'19 City of Industry. CA 91711 -1159'I I " lff ffllfffllfl'll'i » lfi'il » I'1 ' " III » lf'll If 'liilill 4925 14 2046730080000066008 132 util 14 Code next to your APR(s) P I Hnw do we cakulate your APR(s)1 Index+ marge(p ewo sly d sdosedtoyou) Pnme Rate + matgin 3 month HBOR + margm Pnme Rate + margrn I month OBOR + margin When your APRD) will dtange I'he first day of Ihe Br Bug Cydex that end n lan, Apnl, inly, anrl Ort The first day ol each Billing Cyde. How can I Avoid Mamba shin Feast If a Renewal Not&ca rs pnnted on the front of rirs stalement, you may a ord payrng an annual membe sh p fee by contadrng Customer Serv ca no later than 45 days after the last day In Ihe 8 8 ng Cycle cove ed by th s statement to request that we close your account To evord payrng a monthly membershrp Fee, close your amount and we w 8 slop assess ng your mo Ihly membershrp Fee u r rr Idwwccnunt You car contad customer se ce anytme to equest that we dose your account How do I Make Pavmentsi Ym may make your payment ~ se eral ways I Onlneandloggvtg ntoyouraccount, 2 Cap&tel one luobleBankngappforapp ~ edelenonicdevces, 3 Telepho e vmce Re ponse System by d Irng the Ielephnne number I sted on the front of the statement anrl follow gthe ocepompts, Cagrng Ihe telephone nu I e I sted on the front of thn statement and pro dng yow nformauon to our rep esentatve, 5 Sendrng mml payme is Io the address on the kontof tlns staternent wlh the payment m pon or your account ~ formation How Can I Av 4 P I I t uzi~Char catt If you pay your statemenls New Balance rn fug by the due date, vre rv 8 not charge you interest on any new transacuons rhat post to the purchase segment. If you have been payrng you acmunt m lug with no Interest Charges. but then you do not pay your new New Balance m full. we will charge rnterest on the pon on of the balance that you drd nnt pay For cash Advances and specral Transfers, we vrig start charmng Interest on the transamon date. Cenarn prumobonal offers may allow you to pay less than the total New Balance and avoid payrng Interest Charges on new purchases. Please refer to the front of your statement foraddmunaunlormation How is the Interest Charac aug fiedt interest Charges accrue trom the date of the transaoron or the fitst day of the 8 ging Cyde interest Charges acaue on every unpaid amount unul rt rs paid in full, This means you may owe Interest Charges even rf you pay the enlrte New Balance for one Brging Cyde, but did not do so the prevmus Brgtng Cyde unpaid Interest Charges are added to the &orresponding segment of your amount. Do vou assess * Mi I I t est Charac? We may assess a min&mum Interest Charge of SD,50 for each Bigmg Cycle 4 your account is sub(ed to an Interest Charge. How do vou calculate the Interest Ch~ar ei we use a method called Average Darly Balance (induding new transact ansi 1. First, for each segment we take the beginning balance each day and add m new transadions and the penodtc Interest Charge on the previou~ day's balance Then we subtrad any payments and crerlm for that segment as of that day. The result is rhe darly balance for each segmern However, If you paid your previous month's balance in fug lor your previous statement balance was zero or a credit amount), new transactions which post to your purchase segment are not added lo the daily balance 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cyde. The result 4 the Average Dary Balance for each segment. 3. At the end of each 8 grng cyde, we multiply your Average Daily Balance for each segmenr by the daily periodic rate (APR dwrded by 3651 for that segment, and then we mult ply Ihe tesult by the number of days rn the BiN&ng Cyde we add the Interest Charges lnr ag segments togethet The resuh is your total Inrerest Charge for the Brgrng Cycle NOTE. Due to rounrlng or a minimum Interest Charge, this calcuiauon may vary stighriy from the Interest Charge aduagy assessed How mg~myanable APR charms) Your APR may rn crease or deoease tered on one of the following reported rndrces(reponerlinTIteWaBSteetio Maf) Tofnd hchindexrsusedforyourac&ount,lookforalenercode onthefrontofthsstatemenlnexttoyourAPlt(s) Thencheckthetablebelow H d P «* P I 1 When you make a payment, you authonze us tn in tate an ACH or electronic payment that wrg be debited from your bank account or other elated account. When you p ovide a check or check infotmatton to make a payment, you authonze us to use rnformat on from Ihc check to make a one time Acti or other eledronic transfer from your bank account we may also process t as a check Iransa csun Funds may be wrthdrawn from your bank account as soon as Ihe same day we ptocess your payment. When wilt vou Credit Mv Pavmenit For mobile, onhne or over the phone, as of the business day we recewe it, as long m it is made by 8 p m ET. For mailed paymenrs, as of the business day we receive rt, as long as you send the bottom pnmon of this statement and your check to the paymenl addrem on the front of this statement please allow at least o) business days for mail delrvery. Mailed paymenls received by us at any other location or payments m any other form may not be oedrted as of the day we receiue them H do u Ao Iv Mv pavment'I we generally apply payments up to your Mrn mum paymeru first to the balance wzh the lowest APR (mdudrng 0% APID, and then to balances wnh higher APRs We apply any part of your payment exceedrng your Mrnimum Payment to the balance wrlb the highest APR, and then ro balances w th lower APRs. 8&llinrllRI hm summary (Does nor Apply ro ssnmraa/yrIBusrrress A«nun+Is What To Do If You Think You Find A Mistake On Your Statement: if you tink there is an error on your statement, write to us at Qpnal One p.o. Box 30285 Salt Eake crry, Ut 84130 0285 In your lener, give us the logowing nfurmation. Account informarion Your name and account numbet. oogar amount Tlhe dollar amount of the suspected error Descnpuon of problem 8 you thmk there is an erior on your b g. descnbe what you believe rs wrong and rvhy you believe it is a mistake. You must mntact us within 60 days after the error appeared on your statement. You must notify us of any potentral errors rn wntrng. You may call us or not iy us eiertron cally, but I you do we are nnt required to investigate any potent&a( evors and yo may ha e Io pay Ihe amount n question we wrg noafy you rn writing within 30 days of our recept of your letter. Wh le we rnvestigate whethe m not there ttas been an error, the fo go wing are Inre We cawot try to coged lhe amount rn question, or report you as delinquent on that amount The charge rn quest an may rema n on your statement, and we may crtntrnue to dla ge you nte est on that amount But, rl we determrne Ihat we made a mutake, you vng not have to pay the amour t n quest 4 or any nterest or other fees related to that amount . While you do not have to pay the amount In question until we send you a nouce about the outcome of oui nveslrgatron, you are responnble for the emarnder of your balance We can apply any unpaid amount age net your credit limit Wirhm 30 days of o ecerpt of your lerrer, we will send you a rkte notrcc explarnmg either that we corrected the e ror (to appear on yo r next statemenri 4 the easons vre bel e e rhe 5 II rs correct Your Rights 8 You Are Dissatished With Yo r pu chase rye are dnsat &tied wnh thegoods o sen ce\ that you have purchased w Ih your oert t mrd, and you have Ined rn good tarth to conen tl e problem with the merchant, you may ha e the eght not Io pay rhe rema&ning amount due on the pnrcham To use thrs nght, the fogowng must bevue. I) You must have used your crede card for the pu &hase Pu r bases made w th cash ad ances I om an ATM or r th a check that accemes your c edrt card acmunt do not qual fy, and 2) You must nol yet have ugy pard ler the pu chase If ag of the mter a abrwe are met and you are s«8 drssat shed w th rhe purchase, contact us rung at Ctprtal One P 0. Box 30285 Salt lake Gly, 01 84130 0285 While we investrgate, the same rules apply to Ihe rl sputcd arne nl as d ressed above After we hn sh our nveshgation, we wrg tell you our deonon, At that punt, sf we rhrnk you owe anomo: t a 4 you dn not pay we may report you as delmquent 0 2015 Capital One. Camtal 0 e 4 a fade ally emstered sew&a mark CIC 08 08I23I15 Changing Address' Adcifess Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: I-lome Phone Alternate Phone F-mai( Address Please non( addrosu or phono numbor above uor oa blue or blac(c Irik. ~ 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.r ~ Last but not least, be sure to write the last four digits of your account number on your check, 133 Page 2 of 2 Customer Service1~7 www.napitalnne.cem Dec. 15-fan. 14, 2016 31 Days in Billing Cycle Platinum MasterCard NEW BALANCE 62,046.73 MINIMUM PAYMENT 666.00 Account ending in 4925 DUE DATE Feb11,2016 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances $ 2,250.00 $203 27 $ 150 00 $ 150.00 Previous Balance Payments and Credits Fees and Interest Charged $44.30 j Transactions New Balance $2,046.73 j INTEREST CHARGED IHTERMT CHARGE.PUIICHASES Total Interest This Period $44 30 $44 30 TOTALS YEAR TO DATE Total Fees This Year Totailnterest This Year $0.00 $44,30 'Imponant Notice* You are enrolled in AutoPay Your seleeed payment oi $00 00 wig be debited from your bank account on your Due Date. If your payment is less than the Minimum Amoirnt Due, you will need to make an additional payment of the difference between the two amounts If your payment is more than the Current Balance on your Due Date, only the Current Balance will be debited 134 Platinum Mastsreard NEW BALANCE $1,974.09 Credit Limit: $2,750.00 Available Credit. $ 775 91 Page 1 of 2 Customer Bmvice fdfgtkgc&3637 www.capitalone.corn MINIMUM PAYMENT $65.00 Account ending fn 4925 DUE DATE Mar11,2016 PLEASE EAT ATIEASTTH!SAMOUNT Cash Advance Credit Limit: $ 150.00 Available Credit for Cash Advances. $ 150.00 Jan. 15- Feb.14, 2016 31 Days in Billing Cycle MINIMUMPAYMENTWARNING: ifyoumakeorfylheninmrmPsymwheachnexcdnu wa pay more in interest ard 0 wa lake yen longer fo pay off your bebnm. Fof exampb: Payment Amount Each Period If No Approximate Time to Payoff Estimated Addhional Charges Are Made Statement Balan«e Total Cost Mn'mm Paprwnt 13Yean l $5,143 $7B 3Yeso l $2,lnl Your estimated savings if you pay off this bafance in 3 years: fnpf2 If ycu mxfd Ske kfomnbcfl laxwl cllxft CQUnwdr!9 sehann olll 1-888 3268l55 lATE pAYMENT WARNING: N we do not reowe your mirwnum payment by your due date, you may nave topsy a Isle lee of up Io RLS CO a d nor APRs nuy be rxressm up to Sw PerelyAPR of 2$65% Previous Balance Payments and Credits $2,046.73 ] - ( $ 180.00 I + Fees and Interest Charged $43 67 Transadions/ $63.69 New Balance $ 1,974.09 (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FDR MELANY BASA 404925 I 02 FEB CAPITAL ONE ONLINE PYMTAuthDate 02-FEB 2 11 FEB CAPITAL ONE AUTOPAY PYMIAuthDate 11-JAN TRANSACTfONS FOR MEIANY BASA f4925 I 01 FEB CHIPOTLE 2258SANIOSECA 2 01 FEB GHEYRUN 0205156 0615AN )05EEA 3 01 FEB PEETS l6202SARATOGACA 4 01 FEB SHELL OIL 10008280009SAN JOSECA Teal for MELANY BABA 84925 ($ 100 00) ($80 00) $ 18 20 $ 18 99 $ 6 55 $ 19 95 $63.69 MORE Credit cards are only part ot the equation. Learn about all the ways we can serve yoU( needs at Capitalot)O.COm. ToadT~This Pmiod FEES Total Fees This Period INTEREST CHARGED INTEREST CHARGE PURCHASES Total Interest This Period Transactions continue on page 2 $63.69 $000 1 O 67 1'l3 67 INTEREST CHARGE CALCULATION Type of Balance Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Rate (APR) interest Rate Interest Charge Purchases 25 15% P $ 2,044 47 $ 213 67 Cash Advanres 2 5.15% P $ 0 00 $ 0 00 P,LD,F = Vanable Rate See reverse of page I for detads PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WVIJW.CAPITALOHE COM 'TO MAKE YOUR PAYMENT ONLINE. Cata~ital Due Date Mar 11, 201 6 J Account ending in 4925 New Balance Minimum Payment I $1,974.09 '65.00 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed 7,925 14 1974090080000065006 ENJOY 24/7 ACCESS TO YOUR ACCOUNT 'kr b!Is Ch kr* b! 000010 MELANY BASA NNDO THE IJOOBS BR APT 172k SAN JOSE. CA 9513k-38f 0 CaPital One Bank CUSAJ, N.A. P.O. Box $ 0599 City of Industry. CA 9171I -0599 I " lfi' lllllllll'll'Iillll' H I'I'll " illlil 0 H 'll'I'lllllfll 4925 14 1974090080000065006 135 ot)I la Code next!o your APR(s) P L How do we calculate you APA(sl? Index + margin (previo sly d sdosed to you) Pnme Rale + marmn 3 month LIBOR + maren Pnnie Rate I marq n I montit UBOR + maryn when your AFR(s) will change The first day of the 8 8 ng Cycles that end in lan, Apnl,luly, and Oct. The I rsr day ol each Brlling Cycle How can I Avoid MembemhBr Fees? If a Renewal Not&ca I pnnted on Ihe front ol this stalement, you may avoid paying an an uai memhe sh p Fee by contacting Customer Servrce no later than 45 days after the last day rrt the Billing Cyde co e erl by tt s sratement to request that we clase your accaunt To avoid paying a monthly mamba ship Fee, close yo r ameunt anrl we w Il stop assess ng your monthly membershtp Fee ~.MB?H&numb You can contad Customer Serv ca anyt me to request that we dose your amount How do I Make Pavments? Yo may make your p yment n several ways I Onlneandlogmng ntoyouraccount, 2 Capttal One Mob le Banhng app for appro ed&led ~ c dev ces; 3. Telephone truce Response system by d sing rhe telephone number Irsted on the front of thi& statement and folio ng the o ce prompts, 4 Cagrng the telephone umb acted on the front of this statement and pravrdrng your info mauon to our represenmave, 5 Send ng ma I payments to the address on tiie iont ofth s stateme t wth the payment coupon oryo account info mat on H c I A *id pa I tnt mst Charoes? If you pay your statements New Balance in(ug by the due date, we wit not charge you nicest on any ne tansacnons that post to the purchase segmenL If you have been paying your ac&ount in fug w th no Interesr Charges, but then you do not pay your next New Balance tn full, we w 0 charge nterest on the pomon ef the balance that you did not pay. For Cash Arlvances and Special Transfers, we will stan charging Interest on the tranmdion date, Certain promotional offers may allow you to pay le» than the total New Balance and avoid paying Interest Charges on new purchases. Please refer touche front of your statement foraddmonannformauon How is the Interest Charac anolied? Interest Charges a«rue from the date of the transa cue n or the First day of the Billing Cycle interest Charges accrue on every unpaid amount until it is paid In fug Ibis means you may owe interest Charges even sf you pay Ihe entire New Balance for one Brtling Cyde, but did not rlo soothe previous Billing Cyde. Unpa d Interest Charges are added to the corresponding mgment of your arcount. sm I I t mst &barnet we may amass a mimmum Intetest charge of 50.50 for each Billing Cyde rf your account is sub)cote an Interest Charge. How do vou Calculate the Interest Charac? We use a method called Average Daily Balance Gnduding new transacr one). 1. Frat, for each segment we take the beginning balance each day and add rn new transaoions and the periodic interest Charge on the previous day's balance. Then we subtract any paymenw and credrb for that segment as of rhat day The result a the duly balance for each segment However, if you paid your previous month's balance in full (or your preuous statement balance was zero or a Oedn amount), new tranmdions which post to your purchase segment are not added lo the daily balance. 2 Next, for each segment. we add the daily balances together and divide the sum by the number of days in the Brging Cyde. The result is the Average Daily Balance for each segment 3. At the end of each 8 lling Cyde, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR dtv dad by 365) for that segment, and then we multiply the result by Ihe number ot days in the Big ing Cy&fe. We add the Inrere&t Charge~ for ag segments together The result is your total Interest Charge for the Brlling Cycle NOTE. Due to rounding or a min mum Interest Charge, this mtcuiation may vaq slighdy from the Interest Charge auually assessed How can mv Variable Apk chanoe? Your Apk may rncrease or deuease based on one of the following reportert mdices(reponed n7he wag sr eetrournap Tofindwhtchtrdexr&usedforyeuraccounl lookforalenercode onthefrontofthisstatementnexttoyourApR(s) Thencheckthetablebelow: How do vou Proce~Pa m nts? When you make a payment, you authorize us lo nrlrate an ACH or cled onrc payment that will be debited from your bank account or other related account When you provirle a check or check informatmn to make a payment, you authonze us to use information from the check to make a one time ACH or other elecrronic transfer tram your bank account, We may also proces it as a check t ansadron Funds may be withdrawn from your bank account as soon as the same day vre process your payme t. When will vou Credit Mv Pavment? For mobile, online or over the phone, as of the business day we receive it, as long as 4 is made by 8 pm ET For mailed payments, as of the businem day we receive 4, as long as you send the bottam potuon of ibis statement and your check to the payment addrem on the fro t of this statement. please allow at least (7) business days lor mail deliver(. Matled paymenb race ved by us at any other location or payments in any other form may not be aedrted as ol the day we receive them. H w do vau Aonlv Mv Pavment? We generally apply payments up to your Minimum Payment First to the balance with the lowest APR (indudrng DH APR), and then to balances w th higher APlls We apply any part of yorir payment exceeds ng your Mtn mum Paymertl to the balance wtth the highest APR, and then to balances wrth towel APIII. Bilgnrl Riahm Summanr ypoes nor AnRkro SmayypwswnessAcconrrrsu What To Do If You Think Vou Find A Mistake On Your Statement: If you th nk there is an error on your statement, wnte to us at. Capital One P 0 Box 30285 Salt take City, UT 841 30 0285 In your lener, give us the follow ng inform axon: Account mformauon Your name and acmunt number Dollar amount; The dollar amount of the suspeded error Descdptron of Problem li you think there is an error on your brit, descnbe what you bel eve a wrong and why you believe il s a mistake. You must contact us wnhrn 60 days afrer the error appeared on your statement You must notify us of any potential errors rn wrrtrng You may call us or not fy us eleuron wily, but I you do we are not required to tnvestigate any potential errors and you may ha e to pay the amount in question We wtg not Iy you in wntmg &vrthm 30 days of our rect: pt of your letter. Whle we tnvesugate whether or not there ha& been an error, the following are une. We cannot try to cogeh the amount n question, or report you a» del nquent on that amount. The charge nt question may rema n on your statement, and we may cantmue to charge you tnterest on that amount But, I we determ ne that we made a mrstake, you wtg not have to pay the amount rn quesuon o any ntereit or other fees related to that amount Whtle you do not have to pay the amount rn question unr I we send you a notice about Ihe outcome of our mvectigation, you are responubte fo the remainde oi your balance We can apply any unpard amount agarnst your credn lvnrt Withtrt 90 days of our eceipl of your letter, we writ send yau a wrinen notrce expla ning eirher that we correded Ihe error ito eppes on your next statement) o the reasons we behave the b 8 ts corred Your Aights If You Are DissatisNed With Your Pur&hase. If you are d ssabslied v th the goods or serv cm that you have purchased w th your oedtt &ard. and you have t &d m good fa th to corred the problem wrth the merchant, you may have the right not to pay the emarning amo nt due an the pu ctiase To use this nght, the following must be true I) You must haue used your Oedn card for Ihe purchase Purchases made rth cash ad ances I om an ATI I or vr the check that accesses your credit card acmunl do not qualrfy, and 2) You must not yet have fully paid fo the purrhase If all of the cnlena above are met and you are st 8 rl s at&herl Ih the pwhase contact us n wnang at Capital One P O. Box 30285 Sall lake City, 01 84130 0285 While we rnvesttgate, the same rules apply to the disputed amou t as 0 scussed abo e Alter we hrmh our inveslgatron, wewrll tell you ourrledsron At that pont I ettvnkye o e an amount and you do not pay ve may report you as delmquer I 02015capnalone captaloneisafedeaayreHstwcrire ce n k ET& 08 08723!15 Changing Address? Address Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone Alternate Phone F-mai) Address Please print oruroas or phone number above uatng blue or black mk. ~ Make checks payable to Capital One Bank fUSA), N.A. and mail with this payment slip.t ~ Don't staple or paper Tlip your check to the payment slip.~ Please don't include any additional coyiespondence. ~ Last but not least, be sure to write the last four digits of your account number on your check. 136 rageaot 2 Customer Service teBH03-BIOT www.capita!one.corn Platinum Masteroard $1,974.09 MINIMUM PAYMENT $65,00 Account ending in 4925 DUE DATE Mar 11, 2016 I Credit Limit: $2,750.00 Available Credit $775.91 Cash Advance Credit Limit'150.00 Available Credit for Cash Advances: $ 150.00 Previous Balance Payments and Credits M so.oo Fees and Interest Charged + L $43 67 J Transactions New Balance r + '$63.69 I = P $ 1,974.09 ; TRANSACTIONS CONTINUED TOTALS YEAR To DATE Total Fees This Year So oo Total Interest This Year $87 97 *Important Notice* You are enrolled in Autopay. Your selected payment af $60 00 wia be debited from your bank account on your Due Date. If your payment is less than rhe Minimum Amount Due, you will need to make an additional payment af the difference between the two amounts If your payment is mare than the Current Balance on your Due Date, only the Current Balance will be debited. 137 CmgH~IOT26, Platinum MasterCard MINIMUM PAYMENT $25.M Page lot 2 Cuslemer Sendte I JIOO 9090637 www.capita&one.corn Account ending in 4925 DUE DATE Apr 11, 2016 MINIMUMPAYMFNTWARNINQ llyoirwikeontflhemwmumgaymenleachPwiod,nw wit pay more n intoast aud S we lake you longer to pay off your bahnrw Forexempa PaymentAmount each Periodlf No Approximate Timeto Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost av I s If Ilxl woukl liliit nfcnnsllon abiiutonxa oounsetng semoes, oe I ggkM2GI0% Credit Limit: $2,750.00 Available Credit: $2,188.10 PLEASE PAYAT lEAST THIS AMOUNT Cash Advance Credit Limit: $ 150.00 Available Credit for Cash Advances.'$150.00/ lATE PAYMENT WARNING: If we rb not rwmve your mn'mum papnail by Iow due date, you riwl have Io pay e lan fee of up Io BISCO end yrwr APRs ioal be 'ricimsidup to Ihe erode APR of gg65y Previous Balance L $ 1 974 09 j Payments and Credits $ 1,505.00 ) Fees and Interest Charged L. $16.34 Transactions New Balance $7647 = ( $561.90x PAYMENTS, CREDITS 6 ADJUSTMENTS FOR MELANY BASA ¹4925 1 18 FEB CAPiiAL ONE MOBILE PYMTAulhDaie 13 FEB 2 19 FEB ELECTRONIC PAYMENT 3 11 MAR CAPITAL ONE AUTOPAY PYMTAuthDate 11-FEB TRANSACTIONS FOR MELANY BASA ¹4925 1 13 FEB EUROPEAN WAX CENTERSAN JOSECA Toml for MELANY BABA d4925 W TOINT~ shia Period 580 001 1$ 1,345 001 f580 OOI $76 47 $76.47 $76.47 Pay your hill online and take acivantage of these and other on-the-go as~vices. Capital One" text massaging Card repMcernent Travel notitication Log into www.capita&one.com to take advantage of these and orher on-the-go services. Imius c FEES Total Fees This Pened $0 00 INTEREST CHARGE CALCULATION INTEREST CHARGED INTEREST CHARGE PURQIASES Total Interest This Penod Transactions continue on page 2 $ 16 34 $ 16 34 Your Annual Percentage Rate IAPR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate IAPR) Interest Ratet p Interest Char9e Purchases 25 15% P $817 94 $ 16 34 Cash Advances 25.15% P $0 00 $ 0 00 p,L,D,F Variable Rate See reverse of page I for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR I.OG ON TO WVVW CAPITALONF.COM TO MAKE YOUR PAYMENT ONLINE. ~ga~7tml Due Date Apr11,2016 ) ( Account ending in 4925 New Balance Minimum Payment $561.90 '25.00 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed / 925 1/ 0561900080000025006 ENIOY 24/7 ACCESS TO YOUR ACCOUNT Pbr b ii Ob«ky b i xoooiii t1ELANY BASA 4400 THE WOODS DR APT 1734 SAN JOSE. CA 95131 -3abo Capital One Bank (USA). N.A. P.O. Box b0599 Crty of Industr y. CA 9171t -05'f9 & " I'I 'l&f&llli'll'l&tl'I'I&l&l " &I " &II&fl'»& I» I»II&ll 4 9 2 5 2 4 0 5 6 1 9 0 0 0 8 0 0 0 0 0 2 5 0 0 6 1 56 N)l 14 Code trent to your APR(s) P L How do we calculate your APR(s)7 Index 4 margin (preuiously disdosed to you) P me Rate I marg ~ 3 month LIBOR + margtn P nte Rate s margr ~ I month UBOB I maren When your APR(s) will change ThefirstdayoftheBilling Cydesthat end ~ I lan, Apnl, inly, and Oct The first day ol each 8 II ng Cyde How «an I Avoid Membershp Feen If a Renewal Notes s printed on the font of thrs statement, you may a otd paying an amual membersh p Fae by co tactrng Customer Sevres no later than 45 days afte the last day rn Ihe 8 0 ng Cycle co e ed by th I statemenl to request that we dose your account lo avoid paying a monthly membershrpfee, dmeyo recco nt nd ema topames&ngyou monthlymembershpF&e u . r rr M a ezb You can contau customer servrte anytrme to reqlrest that we dose your account How do I Make Pavmentsz You may make you payment r ~ seve al ways I OnlrneandlogNngrntoyoura&court 2 C"pt Ipn&MobleBanknr)appforapprwerl alecto rcde ces, 3 Telephone Voce Response System by dralrng the lelephone number ksted on the front ol Ihs statement and togowtng the orce p omph Qgmg the telephone umber I tted ~ the font of the state enl and provrrlng your rnformauon to our ep esentat ve, 5 Sendng ma I payments to Ihe address o the I o I ol tins stateme I th the payment coupon or your account fmn ron. Ho ca I A id p I Inta t ch M If you pay your statement's New Balance in lug by the due date, we vnB ot charge you rnterest on any new transart ons that post to the purchase segment H you have been paymg your account in full wah no Inierest Charges, but then you do not pay your nexr New Balance rn full, we wilt charge interest on the pornon of the balance that you drd not pay. For Cash Advances and Special Transfers, we vrrg start charging Interest on the tranwdron date. Cenatn promolronal offers may agow you to pay less than the total New Balance and avotd paymg Interest Charges an new purchases. Please refer tutee front of your statement lot addrtion at rnformation. the 8 Rtng Cyde Inta est Charges amue on e ery or patri amount until lt is pard in fug. The means yau may owe Interest Charges even rf you pay the ent re New Balance for one Brgtng Cyde, but drd not do so the prevrous Brgmg Cyde Unpaid Interest Charges are added to the corresponding segment of your account. 0 v u as nss snnimu I t t ch*raez we may assess a mrnimum Interest Chatge of ED,50 for each Big rng Cycle if yeur account a s bjeo to an Interest Charge. How do vou calculate the Interest charaez we u&e a method called Average Daily Balartce (rndudrng new transactrons) Fmt, for each segment we take the begrnnrng balance each day and add in new transactions anrl the periodrc interest Cwrge on the prevrous day's balance Then we subtrao any payments and credns for thai segment as of thar day The resuk rt the dariy balance lor each segment Howeuer, rf you paid your previous month's balance rn full (or your previous statement balance was zero or a credit amount), new tranmctrons which post to your purchase segment are net added to the da ly balance 2 Nexr, for each segmenc we add the daily balances together and drvrde the sum by the number of days rn the Bigmg Cyde. The result rs the Average Darly Balance for each segment. 3 At the end of each 8 Brng Cycle, we multiply your Auerage Daily Balance lor each segment by the de ly penodrc rate fApR 4 vrded by 365) for that segment, and then we multiply the result by the number of days in the Bdling cycle we add the interest charges for ag segments together The result ra yaur total Interest Charge for the BtHing Cycle NOTE Due to round ng or a mrnrrnum Interest Charge, this calculation may vary slrghtly from the Interest Charge aouagy assessed. How can mv Variable APR chanuet Your APII may increase m deuce&a based on one el the fogowing teported rnrlces (reported n The wal/St eet)ouma0, Tofnd htchrndexr&usmtforyouracmunl lookforaleuercode on the front of thrs statement next to your APR(s). Then check the table below. ~H dmyou Process pavmentsz When you make a payment, you aulhonze us Io rnrtiate an ACH or elertronic payment that wrg be deb ted from your bank accaunt sr other related account When you provrde a check or check information lo make a payment, you authonze us to use information from Ihe check to make a one time ACH or other eledron c transfer fram your bank account we may also proce~s rt as a check ttan&act ron. Funds may be wnh drawn from your bank account as saon as the same day we process your payment When will vou Credit Mv Pavmenn For mobile, ortline or over the phone, as of the business day we recebe tt, as tong as rt rs made by 8 p m. ET For mailed paymenu, as of the business day we remrve rt, as long as you send the bottom pomon of this statement and yotrr check to Ihe paymerlt address on tie fmnt of tha statement Please allow at least (I) business days for marl delwery. Maged payments received by us at any other location or payments n any other form may not be oersted as of Ihe day we receive them How do vou Aoolv Mv pavmenty we generally apply payments up to your Minimum Payment first to the balance whh the lowest APR (includrng 0% APRI, and Ihen to balances wah higher APRs We apply any part of your payment excemkng your Mimmum Payment to the balance wrth Ihe highesl APR, and then to balances with lower APiis ~8illin Riohls summarv /Does r ordpwk Io small rtu (ness Artjou m What To Do If You Think You Find A Mwtake On Your Statement: If you Ihink there is an error on your statement, write to us at capital one p 0 Box 30285 salt Lake cay, UT 8413041285 In your leNer, give us the following informabon Account rnlomauon: Your name and account number Dog sr amount: The dollar amount of the suspected enor Desuiption of Problem tf you Ihtnk there is an error an your brg, descrrbe what you bet eve s wrong anrl why you behave it rs a mistake. You must contact us within 60 days after the e ror eppes ed on your statement. You must notily us of any potenlral errms r ~ wntmg You may call us or not ly us eleuronicagy, but I you de we are not required to investrgate any potential er ors and you may have lo pay Ihe amount tn quest on. We wrti notify yourn wntrng wrthm 30 days ol our receipt of you lener while we mvestigate whether or nnt there bas been an error, the following are true We cannot try to cogeo the amount rn question. or report yau as delmquent on that amount The charge n qtrest an may temain on your statement, and vre may cont nocto charge you nte est on that amount But, rf we determ ne that we made a m stake, you w 8 not have to pay the amount rn qumtmn or any enerest or other lees rebted loth'mount IVhile you do not have to pay the amount In questron unt I we send you a notice about the outcome of our nvestsahon, you are responnble for the remarnder of your b, lance We can apply any unpard amount agarnst your credn lrrmi W thr ~ 90 days of our recerpt of yout lerter, we w 8 send you a wr rten nonce explaimng etthet that we mrrecred 8 e e or (to eppes o your next statement) or the reasons we bel eve the NB u car ect Your Rights lf You Are Dissatisged Vzith Your Purchase: B you are drssarnfed rh the goods ot senices that you have purchased wtrh your credrt card, and you ha e toed m good larth to cor ert the problem with the merchant, you may have the right not to pay the remarn ng amount due on the purclmse To use Ihrs nght the following must be t ue I) You must have used you cmd r cmd for the purchase purchases made " Ih cash ad ance& f om an ATM or w th a &hark that accesses your oedrt card account do not qua lrly, and 21 You must not yet have lugy paid for the par&hase If ag of Ihe cntena above are met and you are still dasalar ed wah the purchase, mntau us at wnung at Caprlal One P 0 Box 30285 Salt lake Crly, UT li4130 0285 while we mvesagate, the same rules apply to the disputed amou tt as dsuased abo e After we lrn ah our mveslgation, we wrg tell you our deonon At that pornt, rlwe Ihrnk you owr an amour t 4 y do not pay we may report you as dei nquent 0 2015 Cap tat One &sprat One ra federagy rag stared servrce mark EIC 08 DBI29U 5 Changing Address? Not quite ready to make payments online? Address No pyoblem. Fo!low these simple steps to make sure we process your payment smoothly: llome Phone Alternate Phone F Fnail Address Please pont addro"5 or phone nur"ber auovo uarna blue or black ink ~ Make checks payable to Capital One Bank lUBA), 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. 139 Page2of 2 Custmner Benrioe I~7 www.capltalono.corn Feb. 15 - faar. 14, 2016 29 Days in Billing Cyde Platinum MasterCard NEW BALANCE $561.90 MINIMUMPAYMENT $25.00 Account ending in 4925 DUE DATE Apr11,2016 Credit Umit: Available Credit. Cash Advance Credit Limit: Available Credit for Cash Advances: $2,750.00 $2,168.10 $ 150.00 $ 150.00 Previous Balance $ 1,074.OB J Payments and Credits Bhsos.oo g Fees and Interest Charged+ ( «634 J Transactions r $76.47 New Balance $561.90 (TRANSACTIONS CONTINUED TOTALS YEAR To DATE folal Fees This Year Total interest This Year $0 00 $ 104BI 'Important Notice* You are enrolled in Autopay. Your seleded payment of $ 80 00 will be debited from your bank account on your Due Date If your payment is less than the Iviinimum Amount Due, you will need to make an additional payment of the difference between the two amounts If your payment is more than the Current Balance on your Due Date. only the Current Balance wilt be debited. 140 Platinum MaaterCard NEtfy(SR(ANCE $423.27 IUINIMUM PAYMENT $25.M Pagelof 2 Cuslomer Smv'me IJg)6903.3637 Unffw.capi(alono.corn Account ending in 4925 DUE DATE May11,2016 Mar. 15- Apr. 14, 2016 31 Days in Billing Cycle MINIMUM pAYMENT WARNING: g you make ony the mnmum papnent each naiad, you will pay more in inlwesi and il vat take you longer to pay og yourbabnce Fore xampb: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Mumm paimwt BIMeniir( I $ '537 If you woad ike rfonnalion aboutoedi counsebg senfuw, mt t@UB32030%. Credit Limit: $2,750.00 Available Credit: $ 2,326.73 PLEASE PAYAT LEAST THIS AMOUNT IATEpAYMENTWARNING: Ifwenonmiacwmyourntrnnumpaynmtbyyourduedate, Cash Advance Credit Limit. $ 150 00 m'wetwmbiwya™tmdupto335tOandlmrrnpnsmaytennrvnrdupntw Panty AFA of 29ap! Available Credit for Cash Advances: $ 150 00 Previous Balance Payments and Credits $56i.gO j - f $ 1 SO.OO ] + L Fees and F Interest Charged $ 11.37 j Transactions $0.00 L . New Balance ITRANSACTIONS J PAYMENTS, CREDfTS 6 ADIUSTMENTS FOR ME(ANY BASA ¹4925 I 04 APR CAPITAL ONE ONLINE PYMTAuthDaie 04-APR 2 11 APR CAPITAL ONE AUTOPAY PYMTAuthDate 11-MAR TRANSACTIONS FOR MELANY BASA ¹4925 ($ 70 00) ($60 00) Cllpck your balance duedly from your phone end, I'yrew reo nt transdmions & Pdy your Capital One 'iii n Check your rewards balance FEES Total Fees Ttus Penod $0 00 Go tcr m.eapttatone.cont on your mobile device dl'ici riidridgi.'our dccouiit at ilii'. spec!Ll Qf yoU, INTEREST CHARGED INTEREST CHAfIGE PURCHASES Total Interest This Period TOTALS YEAR To DATE total lees This Year Total Interest This Yeir Transactions continue on page 2 $ 11 37 f,i137 $0 00 5115 66 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is Ihe annua! interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) interest Rate Interest Charge Purchases 25 15% P $ 532 46 $ 11.37 Cash Advances 25 15% P $0 00 50 00 P,L,D, F = Yanable Rate See reverse of page I for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WINW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ~~~mt Due Date May 11,2016 Account ending in 4925 New Balance Minimum Payment $423.27 '25.00 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed 4925 14 0423270080000025002 EN)OY 24/7 ACCESS TO YOUR ACCOUNT I Per b iironxrvu* ~ Reve tansecio r doeera MELANY BASA 4400 THE IJOODS DR APT 1724 SAN JOSE. CA 95134-38UO Capital One Bank (USA), N.A. P.O. Box 6059'I City of Industry. CA 9171k-0599 I " Itl I'llitill'I'll'IIII'I'lilt('I ' " IIIIIIIIII li I llltllll 4 9 2 5 1 4 0 / 2 5 2 7 0 0 8 0 0 0 0 0 2 5 0 0 2 1 4 1 Code next to your'PR(s) P i H w do we calculate your APR(s)'I Index+ a gin(previously disdasedto you) pnme Rate + marg n 3 month UBOR I. margin pnme Rale + marg n I month IIBOR r. margin l When your APR(s) wrg change The first day of the Br ging Cydes Ihat end n lan, Apnl, July, and Ocr. The first day of each Brging Cyde How can I Avoid Membershiu Fees' a Re e al Notim I p«nted on Ihe front of this statement, you may a ord paying an annual membership Fee by contact ng Customer San ce no later than 45 days after the last day ir Ihe 8 It ng Cycle covered by this sratement to request that we close your account lo a oid paying a monthly membe shp Fee. close yoo account and we will step assesnng your monthly membershrp Fee M a«z You cart conlart Customer Servrce anytime to request that we dose your accotrrrt How do I Make Pavments. Yo may make yo rr payment n sevual ways. Oahne,ndloqe qmtoyou accaunt, 2 CaptalO tMobleBo k gappfo approvedelectronicdevicei, 3 Telephone Voce Response Sysle by doing Ihe telephone number listed on the front of this statement and fagot ingthe ocepompu, 4 Calng Ihe telephone number lated on the front of itvs statement and provrdng your information to our represenraave 5 Send gmmlpayme tstotheaddessonthefronrefthisstatementwhhthepaymentcouponoryouraccount fomnt o How Can I nvokd~pa in~lute est Ch s7 I(you pay your statement's New Balance in fuff by the due date, we will not charge you rnterest o a y new transamons that post to the purchase segmenc If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balanrz. in full, we wilt cha ge interest on the portion of the balance that you d d not pay. For Cash Advances and Spedal Transfers, we w 8 stan charging Inta~est on the transaction date certain promotional oHers may allow you to pay less than the total New Balance and avo d paying interest Charges on new purchases please refe to the front of your statement for addrtional info motion How is the Interest Charac anoliedy interest Charges accrue from the date of the tranmctron or the first day of the Brgrng Cycle Interest Charges acuue on every unpaid amount unt I it is pa d in full. This means you may owe interest Charges even il you pay the entire New Balance (or one Bill ng Cyde, but did not do so the previous Billing Cyde. Unpaid Interest Charges are added to the corresponding segment of your account. Big ng Cycle rf your account is suhiert to an Interest Charge How do vou Calculate the interest Ch r e2 We use a method raged Average Daily Balance (rndudrng new transartroni) Frrsk for each segment we take the beginning balance each day and adrl in new Iransaoions and the periorfrc Interest Charge on the prewous day's balance. Then we subtract any payments and credits for that segment as of drat day The result is the daily balance for each segment. However, if you said your previous month's balance in full for your prevrous statement balance was zero or a credit amount), new tranmoions which post toyourp rchasesegmentarenotaddedtothedailybalance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Bill ng Cyde. The result is the Average Daily Balance for each segment. 3. At the end of each 8 ging Cyde, we multiply your Average Daily Balance for each segment by the daily penodic rate (APR rl v dad by 365) for tlat segment, and then we multiply the result by the number of days in Ihe Brging Cycle. We «dd the Interest Charges for ag segments togerher The result is your total Interest Charge for the Bry ng Cyde NOTE. Due to rounding or a minimum Inletest Charge, ties calculation may vary slightly from the Interest Charge actuagy assessed How can mv Variable ApR «hanae7 Yaur APR may increase or deuease based on one of the fogawing reported ind ces (rap oned m The wail street Journal). To Bnd wh ch index rs used fot your account, look for a lener cade on the front of Ihrs statement neu le your ApRH). Thert check the table below. How d u Pm~en me ts2 When you make a payment, you authonze us to inrtrare an ACH or elertronic payment that w 0 be deb ted from your bank account or other elated account I'vhen you prov de a check or check information to make a payment, you authorize us to use informaoon from the check to make a one time ACH or other electronic transfer fram your bank account We may also process t as a check transaction. Funds maybe withdrawn from your bank amount as soon as lhe same day we precess your payment IN hen wig vou Credh ~MPa menlz For mobile, online or over the phone, as of the business day we receive a, as long as it is made by 8 p ni. ET For mailed payments, as of the budness day we recewe ~, as long as you send the bonom portion ol this statement and your check to the payment address on the front ot this statemenr. Please allow at least P) busmess days for marl delwery. Mailed payments recetverl by us al eny othe locahon or paymenls rn any ether form rmy not be credited as of the day we receive them How do vou Aonlv Mv Pavme tz We generally apply payments up to your Minimum Payment first to the balance with the lowert APR (indudmg OY APN, and then to balances wah higher APRs We apply any part of your payment exceedrng your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs ~Billm Rishts summarv (does oor Aorte ro snraJJ Burrrtem A~its What To Do If You Think You Find A Mistake On Your Statement: If you th nk there is an error on your starement, write to us at Cap tal One P O. Box 30285 Sah take Gly, UI 84130 0285 In your lerter, give us the togowing informat on Account inform ation: Your turne and account number. Dollar amount The dollar amount of the iusperted error Desoiption of Problem If you thmk there is an error on your big, describe what you believe is wrong and why you believe it is a mistake You must contact ui wnhin 60 days alter the error appeared on your statemerrt. You mustnotilyusolanypotentialerrors nwntng Youmaycallisornotfyuselectonicagy,butifyoudoweae not required to investigate any potent ai errors and you may have to pay Ihe amount n question. We will not fy you rn wr ling wrthm 30 days of our receipt of your later While we investigate vhether or not there has been an error, the following are tme. We cannot try to cager Ihe amount in question, or report you as deirnquent on that amount The charge rn qrleslron nlay tentarn on your statemenl, and we may centrnue lo charge you merest on that amount But, f wc determ ne that we made a m srake, you wrg not have Io pay Ihe amount rn quest on or any nrerest or othe fees related to that amount While you do not have to pay the amount rn quest on until we send you a not ce about the outcome of our in vesvgation, you are responnhle for the rema rnder of yo r balance We can apply any unpard arno ntagmnst your credrt lrmrl twthm 90 days oi our recerpt ofyo lener, we wig send you a wntten notre explarnrng attire that we cor ected Ihe e m (to appear on your next statemeng or Ihe reamns we behave Ihe hig is m reer Your Rights If You Are Dissatisyied W th Yo Purchase: If you are dnsat sfied w lh ihe goorh or ierucei that you have purchased Ih your uedrt card, and you have t ed rn good lash to corer Ihe p oblem with the merchant, you may have the nght nol to pay the rema n ng amount due on the purchase to uw this nghr, the following must be trite. ll you must have used your crerl tea d for the pu chase Purchases made v th cash advances from an A7M or wtlhacheckthataccessesyourcrerltradacm ntdonotqualtfy,and 2) You must not yet ha e fully pa d lor rhe purchase Ifag of the rnterta aboue a e met anrl vou are strg drisat if ed with Ihe purchase, ronrart us m wr I g at Caprtalgnepg Box302855alttakeCny,UT841300285 Whle we nvesugate, the same rules apply to the disputed amouit as d Kussed above Alter we f nish ou mvestrgaton, wewrg tag you our deosion At that pornt, itwethrnkyo o e anamo t and you do not pay we may repon you as delmquent 02015captalo e ctplaloneisafederagyremiieedse icemark itc oz 08izqrri Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly. )-(erne Phone Alternate Phone F-mai) Address Ploaio pmn( address or phone number abovo using blue or black ink ~ Make checks payable to Capital One Bank fUSAh N.A. and mail with this payment slip. ~ Don't staple or paper dip your check to the paymefit 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. 142 Page2of 2 Customer Bmvice ter0000MM7 www.capifalon0.corn Platinum MaaterCard NEW BALANCE 5423.27 MINIMUM PAYMENT 825.00 Account ending in 4925 DUE DATE May 11, 201 6 Credit Limit: Available Credit: Cash Advance Credit limit: Available Credit for Cash Advances: $2,750.00 $2,326.73 $ I50.00 M 50.00 Previous Balance Fees and Interest Charged / + C Transactions New Balance $423.27 (TRANSACTIONS CONTINUED *tmponant Notice'ou are enrolled in AutoPay. Your selened payment of 180.00 will be debited from your bank account on your Due Date if your payment is less than the Minimum Amount Due, you will need to make an additional payment of the difference between the two amounts lf your payment is more than the Current Balance on your Due Date, only the Current Balance will be debited 143 Platinum Mas(BTCafd NEW BALANCE $2,209.81 MINIMUM PAYMENT Page 1 of 2 Cuslomer Benket~ www.cep)(alone.corn Account ending in 4925 DUE DATE Jun 11, 201 6 Apr. 15 - May, 14, 2016 30 Days in Billing Cycle $8,834 $3,188 MINIMUM PAYMENT WARNING; S you make oriy ihs mdmum psymnri each period nu w ii psy more in bisresi snd ii wa take you knger to pay off yeur bdance. For emnypu payment Amount Each period If No Approximate Time te pay aff Estimated Additional Charges Are Made 5tetement Balance Total Cost Miiinum Paynwt 14Yeas $88 3Ymm it: $2,750.00 Credit: $ 540.19 PLEASE rAY AT LEAST THIS AMOUNT Cash Advance Credit l.imit: $ 150 00 Your estimated savings if you pay off this balance in 3 years: II you woukl like informabon about crerlri murnring senrices, cst I-stybstatoss. O80 If for 08sh 8if v3nces $ 1 50 00 I AT 8 PAY M8 N1 WARN I N G: S vu m w I~ye r m~ pay I y y r a ycu may have to paya late lee ol up n$3800 ard ymrApns msy be increased upn the PennyAPR ol 38.88'l. s Balance 23.27 Payments and Credits Fees and Interest Charged Transactions New Balance LTRANSACT)ONS J PAYMENTS, CREDfTS 8 ADJUSTMENTS FOR MELANY BASA ¹4925 1 30 APR BEST BUY MHT 00014233SANJOSECA 2 04 MAY CAPITAL ONE ONLINE PYMTAuthDate 04 MAY 3 11 MAY CAPITAL ONE AUTOPAY PYMTAuthDJte 11-APR TRANSACTIONS FOR MELANY BASA ¹4925 I 16 APR WAL MART 775884SAN JOSECA 2 16 APR WM SUPERCENTER V75884SAN IOSECA 3 17 APR OLD NAVY US 6210SAN lOSECA 4 17 APR NAIL ARTSAN IOSECA 5 17 APR EUROPEAN WAX CENTERSAN lOSECA 6 17 APII PEARL RIVER RESTAURANI SAN JOSECA 7 17 APR ZUMIEZ V7073SAN lOSECA 8 17 APR LUCkY 77765 SAN IOSFSJLN lOSECA 9 i8 APR BEST BUY 00001909SAN lOSLCA 10 24APR SQ COACHELLAMUSICSANFIIANCISCOCA 11 13 MAY AIRBNBSAN FRANCISCOCA Tahd for MELANY BABA 84925 Transactions continue on page 2 654 40) ($ 100 00) ($80.00) $ 79 71 $ 5 89 $ 42 78 $ 35 00 $ 50 00 $ 27 02 $ 51.05 $ 74 98 f326 73 $ 29 00 $ 1,277 00 81,998.16 Ciieck yaur baiarice dirac.iiy'ram your lihaiii.'fidi u Vievv resent irantactianS n Pay yaur Capnai One- bill u Check your rewards Ualanr.'e Oa ta m,capitaione.coin an your mabile ciciicc and menage yau. account at flic sucrrcf of yau Purchases 25.15% P 11,102 21 Cash Advances 25 l5% P $ 0 00 P,LD,F = Varebie Rare See reverse oi page I for delads $22 78 $ 0 00 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual mterest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate(APR) Interest Rate PLEASE RE1URN PORTION BELOW WITH PAYMFNT OR LOO ON TO WIIIIW.CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE. 4"-Mg~it~l Jte Due Date Jun 11,2016 J ( Account ending in 4925 New Balance Minimum Payment Amount Enclosed $2,26961 $4660 PLEASE PAY AT LEAST THB AMOUNT 7 925 14 2209810080000046006 ENJOY 24/7 ACCESS TO YOUR ACCOUNT Psy b ils Cr Xy bi s tr brtrbn rossiii NELANY BASA ii400 THE irlOODS DR SPT 1724 SAN JOSE CA 9513I -38l 0 Capital One Bank &USA). N.A. P.o. Box !059'I City of Industry. CA 91716-059'I I " III I'IIIIIIIII II Ililil ilill I II " IIIIII 0 H II 'IIIIIII 4925 lf, 2209810080000046006 144 mg le Cade nextto your APR(s) P I How do we calculate your APR(sn index + margin (preuiously disdosed When your Al'R(s) will chang* tn yon) The first day of the 8 Br nq Cydes that end rn lan, Apnl, luly. and Oct. The f rsl day of each 8 0 ng Cyde Pnme Rate+ margi~ 3 montlr HBDR F margin Pnme Rate + margrn I montit HBOR F maryn Ho ca IA od Iue bewhin Fee? Ifa Rene el Notice s prrntedonthefrontofthnslatement youmay avn d pay ng an annual membmshrp Fce by mntact nq Customer Sam ce no later than 4 5 days after the last day rn the 8 0 ng Cyde co end by th I statemcnl to request that we dose your account To avord payrng a monthly membersh p Fee. close yo r account and we B stop assessing your monthly member~hip Fee IfoucAen~mMy~uoth You can contact C sterner Se ce anytme to request that we dose your amuurrt H do I Make Pavmenls You may make your payment ~ seve al ways Onl ne and logmng ~to your account, I Cap tel One Mob le Banhng app for appro ed elect one devces, 3 Telephone Voce Resporrse Systen by rising the telephone number lated on the front ofthrs stalemenc and follow ng the vorce p ornpls, e cell ng the telephone n irer lated on Ihe front of Ihn statement and provrdng your information to our rep esm tan e, 5 Send ng mal payments to the add est on the I ont of Ihnstatement wth Ihe payment coupon or your account rafmnaton H Ca IA idp I Int «Ich, 7ifyoupayyourstatement'sNewBalancerniugbytheduedate, we vng not charge you nte est on any new transacoons that post to the purcham segment If you have been paying your account rn lug rwth no Interest Charges, but then you do not pay your next New Batance n full, we will charge nterest on rhe porrion of the balance that you 0 d not pay. For Cash Advances and Spedal Transfers, we wrg start charging Interest on the transadion date. Cwtain promotional ogers may allow you to pay less than the total New Balance and avoid pays ng Interest Charges an new purchases Please refer to the tront of your statement for addmonal informauon. How is the I t st Charac aoufied7 Intersect Charges acoue from the date of the transadion or the first day of the 8 8 ng Cycle Inta esr Charges scone on every unpaid amount until it n paid in full. This means you may owe Interest Charges even I you pay the entne New Balance for one BiBing Cyde, but did not do so the prewous Biging Cyde unpaid Interest Charges are added to the correspondrng segment of your account D s e NB I I t t ch 7 we mayassess a minrmum Interest charge of50.50 for each Big mg Cycle rf your acmunl is sublen to an Inta est Charge. How do vou Cal«elate the Interest Charue7 We use a method called Average Daily Balance lincludng new tranmqrons) 1. First, for each segment we take Ihe beynning balance each day and add in new transactions and the periodrc Interest charge on the previous days balance. Then we subtra0 any payments and eredu for that segment as of that day. The result n the daily balanm for each segment However, il you pairl your previous month's balance n lull (or your previous statement balance was zero or a uedrt amountl, new transadions which post to your purchase segment are not added to the daily balance. 2 Next, for each segment. we add the de ly balances together and d vide the sum by the number of days m the Bdlmg Cyde The result is the Average Daily Balance for each segment 3 AttheendofeachBBrngCyde,wemuitplyyeurAverageDailyBalanceforeachsegmentbythedailypedodic rate (APR drvrded by 365) for that segment. and then we multiply the result by the number of days n the Bilhng Cycle We add the Interest Charges lor ag segments together. The resuh is your total Interest Charge lor the Brgin g Cycle NOTE Due to oundmg or a minimum Interest Charge, this calculation may vaq slrghtly from the Interest Charge actuagy assemed How can mv Variable ApRchanae7 Your ApR may increase or decrease based on one of the follow ng reponed nd ces (teponed n The Wali Street Zouma0 To fnd whrch rndex rs used for your account look fora letter code onthefrontofthnstatementnewtoyourAPR(s) Thencheckthetablebelow How d vou P«s P eBtsz When you make a paymenl, you authorue us Io inrlrate an ACH or eledron c payment that will be detr ted from your bank account or other related account. When you provrde a check or check information to make a payment, you authonze us to use mformation from the check to make a one time ACH or other elemonrc transfer from your bank account. we may also process rt as a check transacri on. Funds may be web drawn from your bank account as soon as the same day we process your payment When will vou Credit Mv Pavmenly For mobile, online or over the phone, as of the buuness day we receive ir, as long as it u made by 8 p m ET For malted payments, as of the business day we mceive it, as long as you send the benom of this statement and your check to the payment address on the front of this statement Please allow at least (7) buunew days for marl delivery Mailed payments recerverl by us at any other location or paymenls in any other form may not be 0 edited as of the day we receive Ih em H d Aeolv Mv pavme t'I we genetagy apply payrnems up io your Mi~imum payment frrst to the balance whh the lowest APR lindudmg 0% APRi, and then to balances with higher APRs We apply any part of your payment exceed ng your Minrmum Payment to the balance swth the hrghest APR, and then to balances wrlh lower APRI. ~8Ilin Ri hmsummanr IDoesnoIAoAFAMPFnrarlpusrnessArrovnrjs What Ta Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at Feprtal one p.O. Box 30285 salt lake Gty, UT Eel 30.0285 In your lener, give us the fog owrng nformauon . Account information Your name and acmunt number Dollar amount Tire doge r amount of the suspected error Descnptron of Problem If you lhmk there ~ an er or on your brg, descrrbe what you belreve rs wrong and why you believe it rs a mhlake You must contao us within 60 days after the error appeared on your statement You must notrfy us of any potential errors rn wrtrng You may call us or nolly us electronrcagy, but rf you do we are nol requrred Io rnvestigate any potent at errors and you may haue to pay Ihe amount n quest on. We wrg nobfy you rn wrrtrng w Ibm 30 days of our receipt of your lener. Wh le we mvestrgate whether sr not there has been an error, the following a e uue . We cannot try to coged the amount rn questron, or repon yo as delnquent on that amount The charge rn question may remain on your statement, and we may cont nue to charge yorr mterert on that amount But, 0 we determine that we made a m srake, you w 8 not have to pay the amount rn quest on or any rnterest or other fees related to that amount While you do noi have to pay the amount in quest on nr I we send you a notice about Ihe outcome of our rnvesrigat on, you ate responuble for the remarnder of ymu balance We can apply any unpard amount ega nst your credrt lrmtt Wrthrn 90 days of our ecerpt of your leiter, we wrg send you a wnnen notrce explain ng e the that we conected the erro (to eppes on your next statement) or the reasons sve belreve the bill s correq Your Rights If You Are Dissatisli dllHth Y pu chase: 0 you a e 0 siatrsred wth the goods o senices rhal you have purchased Ih your credit card, and you have tned m good lath to corred the problem wrth the mercirant, you may have the right not to pay rhe rema n ng amount due on the purchase To use thrs right, the following must be true. I) You must have used your med I ca d for the pu chase Pu chases made orth cash ad ances from an ATM or vr Ih a check that accemes your cred I ca d acco ~ I do ot qualrfy, and 21 Yeu mmt not yet ha e fully pard for the purchase Ifag of theet terra abo e are met and you are sbgdrssatsf ed eh the purchase, contact us rn wnt ng at Caprtal One P 0 Box 30285 Sall lake City, UT Ba130 0285 Wh le we nvestrgate, the same rules apply to tl e drsputed amount m d sc seed abo e Afte ve hn sh our rnvesugaton, wewrg leg you ourdecmon Atrhat pmnt. rf ethmk you owe an an ountmdyo do not pay vs may repen yo as delrnquent M2015CaptalO e CamtaIOne safederagyreesteedser ca ma k EIC 08 08129IIS Changing Address? Not quite ready to make payments online' Address No problem. Fogow these simple steps to malce sure we process your payment s(noothiy: I-lome Phone Alternate Phone F-mai) Address P)oa r: Drirtt addroan or phone number abovo 05ine blue or black ink ~ Make checks payable to Capital One Bank fUSA), (.A, and mail with this payment slip ~ Don't stapfe 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. 145 Page2of 2 Customer Service I 008080687 www.capftalone.corn Apr. 15 ~ May. 14, 2016 30 Days in Brlhng Cycle Platinum MaaterCard NEW BALANCE 62,209.81 MINIMUM PAYMENT Account ending in 4925 DUE DATE tun11, 2016 Credit limit: Available Credit: Cash Advance Credit Umit: Available Credit for Cash Advances: $ 2,750.00 $540.19 $ 150.00 $ 150JOO Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $234.4O + I 12278 I 4, $ 1,99816 I I $2,20981 L I TRANSACTIONS CONTINUED W ToagT~Thispmtod STWB.TB FEES Total Fees This Period $0.00 INTEREST CHARGED INTEREST CHARGE. PURCHASES Totallnterest This Period $ 22.78 $ 22 78 TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year $0 00 $ 13846 "Important Notice'ou are enrolled in AutoPay Your selected payment of $80 00 will be debited from your bank account on your Due Date l(your payment is less than the Minimum Amount Due, you will need to make an additional paymenr of the difference between the two amounts. If your payment is more than the Current Balance on your Due Date, only the Current Balance will be debited Platinum MasteiCard NEt/y BALANCE $2,386.27 Credit limit: $2,750 00 Available Credit: $363.73 Page lot 2 Customer Bmvicet~ www.ca pit&tone.cern MINIMUM PAYMENT $78.00 Account ending in 4925 DUE DATE Jul 11, 2016 PLEASE I'Av Ar LEAS I Tnt S AMOUNT Cash Advance Credit Limit: $ 150.00 Available Credit for Cash Advances: $ 150.00J May. 15- Jun. 14, 2016 31 Days in Billing Cycle MINIMUM pAYMENTwARNINB: gyoumakeortylheevtmumpsymenlmchputod,ysu vai pay mom in interest ard it var take you knger to pay oif your bahnce Forexamph. Payment Amount Each Period If No Approximate Time to Payoff Estimated Additional Charges Are Made Statement Balance Total Cost Mnmm Peanut I 4Vena t t&438 ua 3Yass ] $1422 Your estimated savings ifyou pay off this bafance in 3 year»: $3016 If you wxk! like hformai'on about cnxfitccunsdng sewhes, oa Ieeastgeoss. lATE PAY M EN 7 WABN INN If we do nct recehe ycur niimnum payment by your due date, TTM ITkry Iale topsy e Isle fee of up to tean. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance (~i: r$230 00 ) + ( $53.05 ) 4 $353.41 = ( $2,386 27 Renewal Notice Your 07/2016 bill will include your %19 00 annual membership fee The reverse of this page explains how you may close your account and avoid this fee Both sides of thrs page provide rmportant mformabon about your rate(s) and how your rnterest charge rs calculated. it'g easy to set up your k anou$$t amends: (TRANSACTfONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MEIANY 6ASA ¹4925 I 23 MAY CAPITAL ONE ONLINE PYMTAuthDate 23-MAY 2 02 IUN CAPITAL ONE ONLINE PYMTAuthDaie 02-JUN 3 11 JUN CAPITAL ONE AU7OPAY FYMiAuthDJte 11-MAY TRANSACTIONS FOR MEIANY BASA ¹4925 I 14 MAY BEST BUY 0000I909SANJOSECA Total for MELANY BABA it4925 W TOINT~ltdanericd FEES intel Fees Tirrs Perrod Transactions continue on page 2 ($ 100 00) ($ 50 00) 6 80,00) %353.41 5353.41 $353.41 %0 00 first, xlog In" Io Online Banking, Next, sign up by: 1. Cfirking "Massaging and Aierts" 2. Cfigking "Set Alerts" 3. Choosing the free afer(s you'd like to receive Your mirier nray charge a lee Ior emh taxi rnmmqe alert you rmepre. 360007-I INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account Annual Percentage Balance Subject to Type of Balance Rate(APR) Interest Rate(Apn 8 nterest ar9e Purchases 25 15% P I $ 2,483 73 %53 05 Cash Advances 25 15% P; %0.00 $0 00 PL DF - YanableRate See reverse ofpage I fordetatls PLEASE RETURN PORTION BELOW Wl fH PAYMENT OR LOO ON TO WWW CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE Cap~ital Due Date Juf %1,2016 ) i Account ending in 4925 New Balance Minimum Payment Amount Enclosed $2,386 27 $78 00 PLEASF PAY AT LEAST THIS AMOUNT 4925 14 2386270080000078009 EN)OY 24/7 ACCESS TO YOUR ACCOUNT ' pr b Irs Ch kr E I xmrrie MELANY BASA 4'IDO THE IEOODS DR APT 172'I SAN JOSE ~ CA BI513l -38I 0 Capital One Bank (USA). N.A. P.o. Box 40599 City of Industry. CA 91714-0599 I " lfl'fflllflll'I'll'llilfl itilf 1 fl " illllllfil li I I'Illlll 4925 14 2386270080000078009 147 Otil 14 Code next to your APR(s) H wdowecalculateyourAPR(s)7 When your APR(s) will change I dex+maqrin(previouslydbdosedtoyou) Prime ilate+ magn 3 month UBOR + margrn P me Rate I margrn I month UBOR + margin The first day of me Biging cydes that end in lan.. Apnl, luly, artd 00. Ihe fire&day of each 8 Bmg Cyde. How can I A id Membe~rsht Fees. If a lienerval Notrce rs prrnted on Ihe front of thrt statement, yo may avoid pay ng an annual membersh p Fee by contact ng Customer Service no later than 45 days after the last day m rhe 8 8 ng Cycle &overed by thrs statement to request that we dose your ac&aunt Io avord paying a monthly membership Me, dose your amount and we w If stop assessrng you monthly membersh p Fee Hnm &a I m rvr rwuume You mn canted customer ser ce anytrme Io request that we dose your account How do I M k Pavments, You may make your payment in several ways. I Onl ne and logg ng into you account; 2 CaptalOneilobi&Rankngappfo approvedelectonrcdevxes; 3 Telephone uuce Response Systen by rl airng Ihe telephone number lated on the Iront olrins statement and follovngthe ocepmmpts, Call ng tiie relepho e nu ber Irsred on the front of thu statement and pmvidrng your informaaon to ou repres tat ve, 5 Semlngmaipaymentstotheaddessonthefrontofti setatementwththepayrne Icouponoryouraccount nfo mat on gn C I Avmd Pa~in In ~sharaqsy If you pay your statement's New Balance rn full by the due date, we vng not cha ge you inta est on any new transacuons that post to the purr ase segment. If you have been paying your account m full with no Interest Charges, but then yau do not pay your next New Balance In full, we wig &barge interest on the pon on af the balance Ihat you drd not pay. For Cash Advances and Special Transfers, we wrll start rharging Interest on the tranmmon date Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases please refer to the front of your statement for addrtronal rnformation How i the Interest char~ca lied) Interest charges accrue(rom the date of the transau on or the frrm day of the Billing Cycle Irrterest Charges acute on every unpaid amount unt I it rs paid in full. The means you may owe interest Charges even rf you pay the entne New Balance for one Billing Cyde, but drd not do so the previous Bigrng Cyde. Unpaid Interest Charges are added to the corresponding segment of yaur account. 0 s ass a Minimum Interest char&rat We may assess a minimum interest Charge of 50.50 for each Bill ng Cyde 4 your account n subieu to an Interest Sarge. How do vo C Iculate the Int~erest Char ey We use a method called Average Daily Balance finduding new t ansaurons) First. for each segment we take the beginning balance each day and add n new transacaons and the periodic Interest Charge on Ihe previous day's balance. Then we subtract any payments and credrts for that segment as of that day. The result is the daily balance for each segment However, if you paid your previous month's balance rn fug (or your prev ous statement balan&a was zero or a credit amount), new transactions which post to your purchase segment are not added to ihe daily balance. 2 Next, lor each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cyde The result is the Average Darly Balance for each segment. 3 At the end of each Bigrng Cyde, we multiply your Average Daily Balance for each segment by the daily periodi rale (APR divrrled by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycte We add the Interest Charges fot ag segments together The result is your total interest Charge for the Brging Cycle FIUTE Due to round ng or a minimum Interest Charge, this calculation may vaO slightly from the Interest Charge actuagy assessed How can mv Va able APR changnt Your APR may increase or deuease based on one of the following reported mdrces (reponerlin The vv II screet Jou ap Toiindwhrchindexuusedforyouraccount tookforalettercode on the front oi thu statement nert to your APR(s) Then check the table below: Ho d vm P«P ments'I When you make a payment, you authonze Irs to initiate an ACH or eledron c payment that writ be debited from you bank account or other elated arcount. When you prov de a &heck or check infotmat on to make a payment, you authonze us to use iniormat on from the check to make a one time ACH o other electronic transfer from your bank account We may also process tt as a check tmnsaqi on. Funds may be wrthdrawn fram you bank acmunt as soon as the same day we process your payme t When will vou Credit Mv Pavmenly For mobile, online or over the phone, as of the buriiness day we receive it, as long as rt is made by 8 p m. ET . For mailed payments, as sf the business day we receive 4, as Iong as you send the bonom panion of this statement and your check ro the payment address on the front of Ihu statement Please agow at least (7) busmess days for mail delwery. Mailed payments received by us ar any other loca&on or payments in any other form may not be uedrted as of ihe day we receive them. How 4* u Anolv Mv pavmenti We generally apply payments up to your Mnimurn Payment first to the balance wkh the lowest APR (induding 0% APIII, and then to balances with higher APlts We apply any part of your payment exceedrng your Minimum Payment to the balance w th the hrghest APR, and then to balances with tower APRs. What To Do H You Think You Find A Mistake On Your Statement If you thnk there is an erroton your statement, write to us aY Capital One P 0 Box 30285 Salt lake City, UT 84130 0285 in your letter, give us the fog owing nformanon Account rnformanon Your name and account number Dollar amount The dollar amount oi the su spared enor. . Descnption af problenv If you think there n an error on your big, descnbe what you believe is rvrong and why you bei eve rt is a mistake You must contact us wrtlnn 60 days alter the error appeared on your statement You must notify us of any potential errors m wnting. You may call us or not fy us elect onrcaiy, but it you da we are not required to investigate any potential errors and you may have to pay the amount in question We rv 8 not fy you rn wrrtmg wnhm 30 days of our recerpt of your letter Whle we rnvesirgate whether or not there has been an error, Ihe following are true We cannot try to collect the amount ~ question, or rcport you as delarquent on that amount The &hatge rn qua\tron may remain on your statement, and we may mnt nue to drarge yo mterest on tlrat amount But, rl we determ ne Ihat we made 4 m stake, you wig not have to pay the amount n quest on or any interest or other ines related to that amount While you do not have to pay the amount rn questron unul we send you a notes about the outcome of our investrgaton,yo aeresponnblefotthe emanderofyaurbalmrce We can apply any unpard amount aqa net your uedrt lrm I Wnh ~ 00 days of our tecerpt of youl lerter, we wrg send you a wntten not ce expla n ng e ther that we mrr ued Ihe e ro (to appear on your nert statement) or the reasons we bel eue the bill » co ran Your Rights If You A e Dissatisfied Wrih Your Purchase. If ye ar 4 starched wrth the goorls or servrres that you have purclrased wrth you uedn ca d, and you have tned rn good farth Io correu the problem vrth Ihe merchant, you maybe e the nght not to pay the remarn ng amount due on the purchase To use the tight, Ihe follow ng must be t ue I) You must have used you uedt card for Ihe purchase Pu chases made with cash ad ances from an ATM or wrth a cher k Ihat access et your oedrt card acmunt do nor qualrly, and 2) You must not yet have fully pard fo the p rchase If ag of the mterra above are met and you are strg drssatrrtred w th rhe purchase, contau s n wrrt ngat'ptl One P 0 Box 30285 Salt take Gty, Ui 84130.0285 Whrle we investrgate, lb. Mme rules apply to the d sputed amon n as d scussed above Aher we trnrsh our n esngatron,wewgtellyouaurdeosron Atthatpont,rfwethnkyouoweana unt dyoudonotpaywe may report you as delrnqu ant mr 2015 caprtal one camtal one rs 4 fede ally regrate ed serv ce ma k ETC 08 oal2905 Changing Address? Address Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly. I-lome Phone Alternate Phone F-mai( Rddiess Plea 0 priril arldrons or phone number Dbovo u ing bluo or biach ink. W ~ Make checks payable to Capital One Bank ft)SA), N.A. and mail with this payment slip ~ Don't staple or paper dip your che&k to the payment slip. ~ Please don't include any additional correspondence. ~ Last but not least, be sure to write the last four dlc)its of your account number on your check. 14B Page 2 of 2 Cusiomei Bmioe 1 4DBBCDGW www.capitalona.corn May. 15- Iun. 14, 2016 31 Days in Biiling Cycle Platinum MasterCard NEW BAlANCE 82,386.27 MINIMUM PAYMENT $78.00 Account ending in 4925 DUE DATE Jul 11, 201 6 Credit limit Available Credit: Cash Advance Credit Umit: Available Credit for Cash Advances: $2,750.00 $363.73 $ 150.00 $ 150 00 Previous Balance $2,209.81 Payments and Credits $230.00~ Fees and Interest Charged Transactions + ( $53.05 J + '353.41 I - ( New Balance $2,386.27 ~TIIANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE. PURCHASES Total Interest This Penod TOTALS YEAR TO DATE Total Fees ibis Year Total interest This Year $ 53.05 $ 53 05 $000 $ 191 51 'Imponant Notice'ou are enrolled in AutoPay Your selected payment of '160 00 wrll be debited from your bank account on your Due Date. If your payment is less than the Mimmum Amount Due, you will need to make an additional payment of the difference between the two amounts lf your payment is more than the Current Balance on your Due Date, only the Current Balance will be debned. 149 Page I of 2 Customer Benrice tdts0803.3637 www.cat)it&)ona.corn Platinum MasterCard NEW BALANCE $2,274.05 MINIMUM PAYMENT $73.00 PLEASE PAYAT LEAST THIS AMOUR« Account ending in 4925 DUE DAlE Aug11,2016 MINIMUM pAYMENT wARNING: e you Nake erh Ihe mnmum papnenteecb pnxd, yru v ill fxu more in intoest n dl I val take you Ioneer Io pey ofyour bannce For exempb. payment Amount Each period lf No Approximate Time to pay off Estimated Additional Charges Are Made Statement Balance Total Cost Mransn Peynms 14Veao i SS,087 Mssi Your estimated savin9s if you pay off this balance in 3 years: sk,a26 Credit Limit: $2,750.00 Cash Advance Credit Limit: $ 15000 IiVO vxunlrtonfcmwnmetoecredrtcourmrrrnserxmkmtt4SS3366055 Available Credit: $475.95 Available Credit for Cash Advances: $ 150 00 ULT E pA YM EN 1 WARN fN6; If we do not reotve yrwr mrwnum payment by yourdue Jere, you may have Io pay a bte fee of up to 33601 ! Previous Balance [ $2,386.27 Payments and Credits Fees and Interest Charged $ 18000 i + i $6778 J + Transactions New Balance/ $0.00 i $2,274.05 (TRANSACTIONS J PAYMENTS, CREDITS & ADJUSTMENTS FDR MEfANY RASA ¹4925 I 03 JUL CAPITAL ONE MOBILE PYMT AuthDate 02-JUL I Ii IUL CAPITAL ONE AUTUMLY PYMTAuthDate I I IUN TRANSACTIONS FOR MEIANY BASA ¹4925 FEES I 14 IUL CAPITAL ONE MEMBER FEE Total Fees This Penod l$ 100.00) 080 00) $ 19 00 $ 19 00 First, "I.og In" to Online Banking, Next, sign U)t hy: 1. Ciirking "Massaging and Alerts" 2. Chcking "Set Alerts" 3. Choosing the iree alerts you'd like io remive Y" vr mrrier «ray Lharqe a fee for enf« iext «sess ge alert «ou "o'erve, JOILOO7-C INTEREST CHARGED INTEREST CHARGE PURCHASES Total interest Thrs Penod TOTALS YEAR TO DATE Toral Fees This Year Totaii ~ Ierest Tl»s Year Transactions continue an page 2 $48 78 $48 78 $ 19 00 $ 240 29 INTEREST CHARGE CALCULATION Your Annual Percentage Rate JAPR} is the annual interest rate an your account. Annual Percentage Balance Sub)en to Type of Balance Rate IAPR) Interest Rate Interest Charge Purchases 25.15% P $2,360 06 $48 78 Cash Advances 25 15% P, $0.00 $0 00 P,LD,F = Vanable Rate See reverse of page I for detmls PLEASF RETURN PORTION BEI.OW WITH PAYMENT OR LOG ON TO NANW.CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE. 4925 14 2277050080000073005 Capitm~l Due Date Account ending in 4925 New Balance Minimum Payment Amount Encfosed Aug 11, 2016 ', 7 $2,274.05 $73OO PLEASE PAY AT LEAST THIS AMOUNT EN)OY 24/7 ACCESS TO YOUR ACCDUNT 'sr b Its'h kv b.l R «kore «Loh be«role BELANY BASA kkoc THE blOODS DR APT 172k SAN JOSE. CA 't513t -36bo ill«««I Capital One Bank (USA). N.A. P.O. Box f059'I City of Industry. CA 9171I.-0599 i " Iff IIIIIIIIIII fl IIIIII iiii ' Il " Ill « IIIII If I IIIIIIII -7,925 14 227/,050080000073005 150 Or&I 14 Code next to How do we ralculateyourAPR(s)7 your APR(sl Index+ margin(previously disdosedtoyou) P Pen&a Rate+ marg&n 3 month UBOR + margin D F Pr me Rate + marg n I month UBOR I. marg&n i When your APR(s) will change )The fi st day of the 8 8 ng Cydm that end rn lan, April, luly, and On. 1 he first day of each Bi ging Cycle Ho can I Avoid Membemhin Fees& 8 a Renewal Notice &s pnnted on ihe front of th I statement, you may avo&d paying an annual mernbersh&p Fee by conracung Customer Sew&ce no later than 45 days afte the fast day m the B&lling Cycle covered by th s statement to request that we close your account To avo&d paying a monthly membershrp Fee, close your *mount and we wdl stop amess&ng your monthly membership FeeHo~I m a«w You cart contad customer servca anyume to request that we dose your acro nr How do I Make Pavments2 Yo may make your payment &n sevmal ways I Onhne and logg&ng to your account; 2 Cap&tai One Mob te Bank ng app for eppro ed electron c devces, 3 telephone Voce Re ponse System by dmlmg the telephone number hated on the front oi th&s statement and logo ng rhe uca pmmpts, 4 Cathng the relephone number hated on the font of Ihu statement and povdmg yor&r information to our representat&ve, 5 Send g ma I payments &othe address on the I on& of th s stetemmt wth tt&e payme t coupon or your account mlormat on H 0 I A id P I Interest cha esy if you pay your statement's New Balance in tug by the due date. vre wrg not charge you rnte est on any new transact one that post to the putchase segment If you have been papng your account m fufi with no Interest Charges. but then you do not pay your next New Balance in full, we will charge &nterest on the portion of the balance that you d&d not pay. For Cash Advances and Speoal Transfers, we wig start cha g ng Interest on the tranmction date. Certain promotional offers may agaw you to pay less than the total New Balance and avo d paying Interest Charges on new purchases. Please refer to the front of your statement for add&tionat inforrrmtion. How is the Interest Charta aooliedz Interest Chatges accrue from the date of the tranmrt&on or the firsl day of the 8&lhng Cycle Interest Charges a&ave on every unpa&d amount until t u pard in full. This means you may owe interest Charge& even d you pay the ent&re New Balance for one 8 ling Cyde, but d&d not do so the previous Biting Cyde. Unpaid interest Charges are added to the correspondmg segment of your acmunt, D m a Minimum Interest charney we may assess a minimum Interest charge of 30.50 for each Bdl ng Cyde d your account &s subiect to an Interest Charge. How do vou calculate the Interest Charrley We use a method raged Average Daily Balance (indud&ng new transad one) 1. First, for each segment we take the bemnning balance each day and add in new transact one and the periedic Interest Charge on Ihe pre ous day's balance. Then we subtract any paymenm and aedib for that segment as of that day The result is the dady balance lor each segment However, if you paid your prev&ous month'I balance m full (or your prev ous statement balance was zero ore credit amount), new transanions which post to your purchase segment are not added to the daily balance. 2 Next, for each segment, we add the daily balances together and divide the sum by rhe number of days in the idling Cyde. The result is the Average Daily Balance for each segment. 3. At the end of each Big&ng Cyde, we multiply your Average Daily Imlance for each segment by Ihe dady period c we (APR d vided by 3651 for that segment, and then we multiply Ihe result by the number of days in the Bigrng Cycle. We add the Interest Charge~ for ag segments together. The result is your total Interest Charge for the Bdgng Cycle NOTE. Due to rmind ng a a mimmum Interest Charge, this calmlation may vary slightly from the Interest Charge actuagy assessed How can mv Variable APR chanqe) You& APR may &ncrease or decrease based on one of the fogow&ng reported md tees (reported in I'he wail street tou marl To find wh&ch index ts used for your account look fora later code on the front of this statement next to your APR(sk Then check the table below. How d o p *«p ta when you make a payment, you author&ze us to inmate an ACH or elect onic payment that wrg be debited f om your bank account or other related account. When you prov de a check or check nformation to make a payment, you authonze us to use rnformanon fram the check to make a one arne AcH or other efectronic transfer from your bank account we rrny also proces\ 4 as a check lransad on Funds may be withdrawn from your bank account as soon as the same day we ptocess your payment When will vou Credit Mv Pavmeno For mobile, online or over the phone, as of the business day we receive it, as long as 4 rs made by 8 p m. ET . For maded payments, a& of the business day we ecetve 4, as long as you send the bottom poruon of this statement and your check to the payment address on rhe front of thn statement Please afiow at least (7) business days for ma I delivery Ma led payments received by us at any other lomtion or payments rn any ether form may not be red&ted as of the day we receive them How do vou Anolv Mv pavment'I We genetagy apply payn&ents up to your Minimize& Paymer&t first to the balance with Ihe lowest Apfi ( ndud&ng Dw Apn), and then to balances wnh higher Apfis we apply any pan of your payment exmed&ng your Minrmum Payment to the balance with the highest APR, and then to balances with lower APRs. siginri Rights summary (Does eot Aeorv r 5 &live Ve~ssAccovrrrs What To Do If You Think Vou Find A Mistake On Your Statement: If you think there is an error on your statement, wrrre to us at Capital One P.O. Box 30285 Salt lake city, UT 84130.0285 In your leuer, give us the followmg nformat on Account &nformaaon. Your name and account number Dollar amount The dollar amount of the suspected error Descriptron of Problem If you thmk there &s an error on your bdl, descr&be what you bekeve &s wrong and why you believe it is a mistake. You must cortao us wxhin 60 days after the error appeared on your statement You must noufy us of any potent&at errors in vrntmg. You may cag us or not fy us elertromcagy, but &f you do &ve are ~ot requ&red to invest&gate any potential errors and you may have to pay the amo mt &n question. We wdl nouly you &n writmg with n 30 days of eur recept of your lener. Wh le we investigate whether or not there has been an error, the following ate true: We annot try to collect the amount n question, or report you as delinquent on that amount The charge &n quest on may remam on your statement, anrl we may cont nue to chemo you nterest on that amount But, f we determ&ne that we made a nit&eke, you vr II not have to pay the amount &n quesbon or any mterest or other fees related to that amount Whde you do not ha e to pay the amount &n quest on unt I we send you a notke abmrt the outmme of our &nvest&gation, you are mponnble fo the remmnder el your balance We can apply any unpaid amount aga mt your oedx lirmt W tm 90 days of our receipt of your lener, we will send you a wntten notice expla nmg e Ihe that c cor erted the er or lto appea& on your next statement) or the reamns we believe the hi is correu Your Rights If You Are Dissatished W&th You purchase. If you a&e d&ssatsfied Ih the goods or services that you have purchased &th your oednm d, and you have t cd &n good fa&th to corred the problem w&th the merchant, you may have the rrght not to pay the rema n ng amount due on the purchase To use Ih&s light, the fogowing must be true I) You must have used your credrt card for the pu chase Pu chases made wth cash ad ance&lorn an ATM or Mth a rheck that ac&esses your red&& card acmunt do not quahfy, and 2) You must not yet have lufiy pa d for the purchase Bag of thee&rene aboveare met and you are eng d essa&fed et the purthase, contact us &r& wnungat'pttOne P 0 Box 30285 Salt lak Gty, UT 8413028'hle we est gate, Ihe &arne rules apply to the deputed amount as dec ssed above Aber we hnuh our mvestgation we will tell you orir deus&on At that po nt. I we rhink you owe an amount and you do not pay we may report you as delinquent o 2015 cap&el one, capital 0 e n a federally eD&twed &c ce mark ETC.OB BBI29D'hanging Address? Not quite ready to make payments online? Address No problem. Follow tiiese simple steps to make sure we process your payment smoothly: Home Phone Alternate Phone F-rnai) Address Please Drirtl addresu or phone number above using blue or black ink, ~ Make checks payable to Capital One Bank (USAh N.A. and mail with this payment slip. ~ Don't staple or paper dip your rheck 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. 1st Page2of 2 t Customer Service 10006030607 www.capitalone.oom iun. 15-iul. 14, 2016 30 Days in Billing Cycle Platinum MaslerCard NEW BALANCE $2,274.05 MINIMUM PAYMENT 873.00 Account ending in 4925 DUE DATE Aug 11, 201 6 Credit limit: $2,750.00 Available Credit: $475.95 Cash Advance Credit limit: $ 150.00 Avadable Credit for Cash Advances: $ 150.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance Moo.ooI + L $67 79 ~ + j $0.00 I = I $2,274.05 (TRANSACTIONS CONTINUED *Important Nonce* You are enrolled in Autopay. Your selened payment of $80 00 wsl be debited from your bank account on your Due Date If your payment is less rhan the Minimum Amount Due, you will need to make an addiuonal payment of the difference between the two amounts If your payment is more than the Current Balance on your Due Date, only the Current Balance will be debued 152 Plagnum MBBIBICard $2,258.93 Credit Limit: $2,750.00 Available Credit: $491 07 Page 1 of 2 Customer Benrice 1401903 3637 www.oapitalonB.00m MINIMUM PAYMENT 373.M Account ending in 4925 DUE DATE Sap 11,2016 Ptsssr PAY AT lEAST rais Auounr Cash Advance Credit Limit: $ 150.00 Available Credit for Cash Advances: $ 150.00 lul. 15 - Aug. 14, 2016 31 Days in Billing Cyde ) MINIMUM pAYMENTNARNING: anmmakeodyanmkmumpaymenteachpnxxl,pm mll pey iiioie nnlemsl BAd It wa IBke you Iinger to pwca niur batilice. Foi oxaiApk. payment Amount Each pediod I( No Approximate Time to pay off Estimated Additional Charges Are Made Statement Balance Total Cost kkfmum Papnsnl isToss NO 3Veen [ saam Your estimated savings if you payoff this baiance in 3 years: SRBCO If you world Ike rilofiABSAA Bbcul ciwfit couBMrng 8!fvkas, cBI1~. lATEpAYMENTWARNING: svmdonolrooweyourntnmunpayromttyycur&koom, ym may hwuto pay a bta fae of upto 3350l. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance i$80.00 J + I $48.89 J + $ 15 99 = I $2,258.93 1L ~TRANSACTIONS PAYMENTS, CREDITS 0 ADIUSTMENTS FOR MEIANY BASA ¹4925 I 11 AUG CAPIIAL ONE AUTOPAY PYMTAuthDaie 11 IUL 580 00) TRANSACTIONS FOR ltilEIANY BASA ¹4925 I 12 AUG WESIGATE CAR WASHSARATOGACA W TotalT~TFdaperfcd FEES Total Fees This Penod $ 15 99 $15.99 $15.99 $0.00 f irst, "Log In" io Online Banking. Next, sign up by: 1. Clickirig "Massaging and Alerts" 2, Clicking "Set Alerts" 3. Choosing the free aier»you'd like Io receive Your cmricrmaycha geafe ioreacii ter'. Mxus gealeit)uu receive, 3OOOO7 C INTEREST CHARGED INTEREST CHARGE PURCHASES Total inierest This Penod TOTAI.S YEAR TO DATE Total Fees This Year Toiailnteresi This Year Transactions continuo on page 2 $48 89 $48 89 $ 19 00 $ 289 18 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annuaf interest rate on your account. Annual Percentage 6alance Subject to TYPe of Balance R t APR Interest Charge ate i ) Interest Rate Purchases ,'5 15% P $ 2,288 92 $48 89 Cash Advances 25 15% P $0 00 $ 0 00 P L D F = Yanahle Rate. See reverse of page I for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO NINIW.CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE. Ca&tt~~ e Due Date SBD11,2016 J j Account ending in 4925 New Balance Minimum Payment Amount Enclosed r $2,258.93 $73.00 PLEASE PAY AT LEAST THIS AMOUNT 4925 12 2258930080000073008 EN)OY 24/7 ACCESS TO YOUR ACCOUNT ~ Pkr k iis CA* ky B i Xoiioia RELANY BASA 9900 THE BIOODS DR APT 1739 SAN JOSE. CA 95131*-36l 0 lllrsrl Capital One Bank (IJSA), N.s. P.o. Box 10599 City of Industry. CA 9171k-0599 I " Iff ffjffffljfl Ij fffjff Iiilf 1 ' " IIIIII » » ji 'fifjfjj /,925 14 2258930080000073008 153 otr I 14 Code next to your APR(sl 'ow do we cakulate year APHU)l ,'ndex + margin (previously disdosed to youl Prime Rate+ margi~ 3 mor th IIBOIt + margin Pnme Rate + margin I month IIBOR 4 margin When your APR(s) will change The first day of the Brgrng Cydes that end mian., Apnl, luly. and Oct. The grsr day of each Brgrng Cyde How can I Avoid Membemhio Fees! IfaRenemlNotrcers pnntedonihe front ofthnstatement, you may a ord papng an annual membershrp Fee by centacung C sterner Servrce no later than 45 days after the last day rn rhe Brging Cyde covered by trna state nenr to request IWt we close your account 1o avmd payrng a monthly mamba sh p Fee, dose your aonunt anrl we will stop esse~sing your monthly membership Fee Bemoan t m M a ~ w vou can contad cusromer score anyrme to request that we dose your accou How do i make Paementsl Yo may make your paymenr rn several ways Onl ne and loggmg into your account, 2 Caprral One Mobrle BanUng app fo app oved eleoronic devices; 3 Telephone voce Responte System by d alrng the rrleptrone number I sted on rhe front of tars statement and logo ng the orce pmmprs. 4 Caging the telephone number bated on Ihe front of this statement and provrdrng your informanon to our represenr rive, 5 Sendrng mal paymentstotheaddressonthefrontofthrsstatementwrththepaymentcoupono youraccount nfo melon ~cl ~iMabigJnsmrrch~ar i(you pay your statement's New Balance in fug by \he due dare. we w 8 not charge you interest on any new tmnsamons that post to the purchase segment If you have been paying your acmunt in full with no Interest Charges, but then you do not pay your next New 6ala am in iug, we w 1 charge interest an the portion of the balance that you did not pay For Cash Advances and Speoal Transfers, we wilt start charging Interest on lhe transadion date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the fmnt of your statement foradd rional nformation. How is the Interest CA~bare a pl red i interest Charges scone from the date of the transaction or the first day of the Brging Cycle Interest Charges acoue on every unpaid amount unal it is paid in full ibis means yau may owe intermt Charges even if you pay the entrre New Balance for one Billing Cyde, but drd not do so the previous Brgmg Cyde, Unpaid Interest Charges are added to the correspondrng segmertt of your account Do vou as~ass a Minimum Interest Charoey We may a»ess a minimum Interest Charge ol 50.50 (or each Bigs ng Cyde 4 your acmunt is sub)ed to an Interest Charge. How do vou Calculate the Interest Charae2 We use a method catled Average Daily Balance (indudmg new tiansadrons) l. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Therr we subtrao any payments and credits for that segment as of that day. The result s the defy balance for each segment However, if you paid your previous monws balance rn full (or your previous statement balance was zero or a credit amourn), new uansaoions which post lo your puarese segment are not added to the darly balance 2 Next, for each segment, we add the daily balances together and diuide the sum by the number of days in the Brllrng Cyde lhe results the Average Daily Balance for Mch segment 3 At the end of each Bigrng Cyde, we multrplyyourAverage Darly Balance for each segment by the darly penodrc rate (APR d vided by 365) for that segment, and then we mutt ply the result by the number of days in the Biging Cyde We add the Interest Chases for ag segments together. Ihe resrilt is your total Interest Charge for the it iling Cycle NOTE. Due to rounding or a minimum Interest Charge, this cakulauon may vam slighdy from the Irtrerest Charge aoually assessed. How ca~em variable A~pR chan ei You APR may increase ordeoease based on one of the following reponed ndices (reponerl in The Wali Sr eet lou ma I) To finrl which mdex n used for your acmunt, look for a letter curie on the front of thh statemenr next to your APR(sl. Then check the table below. amv RAF FARREcpovmeemt when you make a payment, you authonze us to initiate an AcH or eledronrc payment that wrg be debned from you bank account or other related account INhen you provide a check or check information to make a payment, you aurhonze us to use rnformation from the check to make a one lime ACH or other eledronic transfer from your bank account, We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. Whenwigvo C ddM Pa nlz Far mobile, onl ne or over the phone, as of the business day we receive it, as tong as n is made by 8 p m. E 1 For mailed payments, as of the bus ness day we receive n, as long as you send the bottom portion of this statement and your check to the payment address on the front of iho statement. Please allow al least (I) business days for mail dehvery. Mailed paymenrs mcewed by u» at any other locatron or payments in any other form may not be rredrted as of ihe day we receive them. Ho do A I M p tz We generally apply payments up to your Minimum Payment first to the balance with the lowest APR (rndudrng 0% APN, and then to balances wrth higher APRs We apply any part of yotrr payment exceedrng your Minrmum Payment to the balance wrth the hrghest APR, and then to balances wrth lower APRs Billing Rrehtssummanr zdo IA / I s ddesdrraessA~rcoonrs what To Do If You Think You Find A Mistake On Your statement: If you think there is an erroi on your ernie ment, wnte to us at'apitalOne PO. Box 30285 Salt lake City, Ui 8413041285 In your lener, give us the following inform eton Account informauon: Your name and acmunt number Dell sr amount ihe dollar amount of the suspected error Oescnpoon of Problem if you th nk there is an error on your bill, descnbe what you believe is wrong and why you bel eve it is a mntake. You must rontao us within 60 days after the error appeared on your statement. You must noufy us of any porenrbt errors rn wr t ng. You may cail us or notify us eledroniragy, but if you do we are not required to investigate any potent al errors and you may have to pay Ihe amount in question We will not fy yourn wntmg wrthm 30 days of our recerpt of your lener Whle e mvestrgate whether or not there has been an error, Ihe firlowing are trna . We cannot try to coiled the amount rn question, or repon you as delinquent on that amount. The charge rn question may remain on your statemenc and we may mnt nue te shame ye nwmst on that amount Bur, I ve determ ne that we made a m stake, you rwll not have to pay the amount n quarto or any interest or othe fees related to that amount Whrle you do not have to pay the amo nt n question unt I we send you a rrouce about the outmme of our rnvestret on, you are respons ble for the remarnder of your balance We can apply any unpaid amounl agarnst your weri t lrrne w th n 30 rlays of mr rr:ce pt of yo r lener, we wrg sendyo a nte notcee pie ngethe thatwemnecredtheeror(toappearonyournexrstatemenr)orthe reasonswebele ethebll scoued Your Rights If You Are Dissatished Inlith You purchase. If you are dnsatrsfierl with the goods or servrces that lou have pu chased wrth your rredrr card, and you have tned in good farth to co rect the problem with the merchant, you may have the rrghr not to pay the remain ng amm nt d e on the purchase To use this right, the follew ng must be tree I) You must have used your cred I ca d fo the pu chase Purchases made with rash advances from an ATM or wirh a cherk that accesses your cred I card account do not qual ly a d 2) You must not yet have krgy paid for the purchase liagolihecarerm above aremet and you arestrgdssatsfed Ihlhepunhase,conradusrnwntingat Cap tel Or e P 0 Box 30285 Salt lake City, UT 84130 0285 Whrle we nvestrgate, the same rules apply to the disputed amount as rlncussed above Airer we Inrsh ou rn esngaton,wewrlltegyouourdeoson Attlratpmnr, I eth kyouoweanamountandyoudonotpaywe may epo t you as delmquent O2015 Caprtal One Cap tel One s a federally mgsle ed re ce ark FTC OB ONl sir 5 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: l-lome Phone Alternate Phone F-mail Address Ploasc. pnot address or phono numbor above using bluo or black iok. W ~ Make checks payable to Capital One Bank tUSA), N.A. and mail with this payment slip ~ Don't staple or paper dip your check to the payment slip. r ~ 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. 154 Page2of 2 Customer Service1~7 www.capitalone.corn Jul. 15-Aug. 14,2016 31 Days in Billing Cycle Platinum MasterCard 32,266.93 Previous Balance $2,274~05 MINIMUM PAYMENT 373.00 Payments and Credits I $6000 1 Account ending in 4925 DUE DATE Sep 11, 201 6 I Fees and Interest Charged+'$4B.BB J + Credit Limit: $2, 750 00 Available Credit; $491 07 Cash Advance Credit Umit $ 150.00 Available Credit for Cash Advances. $ 150.00 Transactions New Balance LTIIANSACTIONS CONTINUED *imponant Notice* You are enrolled in Autopsy. Your seleoed payment of $60 00 will be debited from your bankaccounton your Due Date If your payment is less than the Minimum Amount Due, you will need to make an additional payment of the difference between the two amounts. If your payment is more than the Current Balance on your Due Date, only the current Balance wsl be debned. 155 Platinum Masteroard NEW BALANCE $5,750 00 ed)0 $3,623,16 Page 1 of 3 Customer Senrice I~ www.capita)one.corn 670.00 Oct11,2016 PLEASE PAY AT lrnsl Tui 5 A MOO uT Cash Advance Credit Limit: $ 150.00 Available Credit for Cash Advances: $ i 5000J Account ending in 4925 MINIMUM PAYMENT DUE DATE Aug. 15- Sep. 14, 2016 31 Days in Billing Cycle MINIMUM PAYMENT WARNIN6; IIBunnkeotrihe naanumnsynuteachPeood )nu will pay more in intuest uxi ii ws lake you bnger io pay oif your babnce For exampn: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional charges Are Made statement Balance Total Cost Mninum Papneni taymn ~ M7DS 585 Your estimated savings if you payoff this balance in 3 years: 58585 if you woukl like infoonakn about oeditcounselng scones, od 1-888 3888855. UiTE PAYMENT WARNING: If we do not receke your mirunum paymeni by your due iuie, pw may Inve to pay a ble lee of up to 53580. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance L ( $ 2,258.93 - I $ 180.00 4 $ $47.91 I 4 $0.00 i J $2,126.84 ] (TRANSACT)ONS J PAYMENTS, CREDITS 0 ADJUSTMENTS FOR MELANY BASA dr4925 I 06 SEP CAPITAL ONE ONLINE PYMIAuthDate 06-SEP 2 11 SEP CAPITAL ONE AUTOPAY PYMTAurhDale 11 AUG TRANSACTIONS FOR MEIANY RASA dr4925 ($ 100 00) ($80.00) ! It s easy to set up your anavnt alerts: First, "Log In" lo Oriiine Bankmg. Next, sign up hy: 1. Ciic.king "Messagirig and Alerts" 2. Chcking "Set Alerts" 3. Choosing (he fico alerts you' hke to receive FEES Total Fees This Penod $0 00 I ur carrier., av I iariJc J k. of Mii Ii!TJ i'is)sage sic!''ou mcclve JOUOO7.C INTEREST CHARGED INTEREST CHAR(;E PURCHASFS lotallnterest This Perrod TOTALS YEAR TO DATE Ioral Fees (his Year Total interest This Year Transactions continue an page 2 $47 91 $47 91 $ 19 00 $ 337 09 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Purchases '25 15% P I I$ 2,242.98 $47 91 Cash Advances 25 15% P '0 00 $ 000 P,L,D,F = Venable Rate See reverse of page I for deiads PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO NA)VIN CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE 4925 14 2126840080000D/D002 Due Date C)L911, 2016 Account ending in 4925 New Ilalance Minimum Payment Amount Enclosed 62,126.64 STO.OO PLEASE PAYAT LEAST THIS AMOUNT EN)OY 24/7 ACCESS TO YOUR ACCOUNT 'ar 6 !is Cn«kr 5 I nr ew i anmcuo r miio' MELANY BASA ')400 THE MOODS DR APT 3724 SAN JOSE. CA '15131 -381 0 Capital One Bank (USA) ~ N.A. P.O. Box t05'19 Csty of Industry. CA '11711.-05'19 I " III )IIIIIIIIII il U Ij'I H llf I tl " IIIIIIIIII Il I IIIIIIII 4925 14 2126840080000070002 156 mi I 14 Code nextto your APR(s) How do we calculate your APR(s)7 Index+ a gin(pre iouslydisdosedto you) Prme Rale t-margn 3 nronth UBOR t margm Prime Rale + marmn t month uBOR 4 maren When your APR(s) will change The itrst day oi Ihe Brgrng Cydes that end in lan, Apnl, iuly, and Od The 5 st day of each Br lang Cyde H a I A id Membershio fees Ua Renewal Notes I prnted on the front of this statement, you may a to d pay ng an annual membershrp Fee by cornact ng Customer Serv ce no later than 45 days aber Ihe last day rn the 8 Ihng Cydr covered by thrs statement to request that we close your account To avord payrng a monthly membershrp Fee, clmeyouramountandwe ia stop assescngyeurmonlhlymembershrp Fee Hev» i rt m a ounik. You can contan Customer Servve anylrme to request that we dose your account It* 4 IM k Pa ments'I Youmaymakeyourpaymentr ~ seveal vays Online and log g ng t~ to your acceunt, 2 Cap tel One Mob le Banbng app fo app o cd elenronicdevces, 3 Telephone voce itesponse system by d sing the telephone number lrsted on the front of tms statement and follow g Ihe voice prompts. 4 Call g the telephm e number lrsted an the from of th1 statement and provdrng your iniorrnation lo ou fxcsr*.savu e, 5 Sendngmaapaymenlstolheaddessontheirortoftlvsstaterne t thrh paymentcot,pono youraccount imnaton How Ca kavvmd Pa ~in intere~t Cba~res7 H you pay your statement's New Balance in (ug by the due date, vre vxg ot charge you interest on any new transacuons that posr to Ihe purchase segment If you have been paying your account m full w th no Interest Charges, but then you do not pay your next New Balance in full. we wtg charge interest on the portion of the balance that you drd noi pay. For Cash Advances and Speoal Transfers, we will start chargmg Inta est on the transaction date. Cenain promotional ogers may allow you to pay less than the total New Balame and avoid paying Interest Charges on new purrhases. Please refer to the I ont of your statement for arldnronal rnformation. H w the Interest Charac anolied7 Interest Charges accrue from the date of the transaction or the first day of the Biging Cycle. Interest Charges acnue on every unpaid amount until it is paid in full This means you may owe interest Charges even if you pay the entrre New Balance for one 8 Bing Cyde, but 4 d nol do so the previous Bill ng Cyde Un Mid Interest Chatgas are added to the corresponding segment of your account. 0 as ess a Minimum Interest charger we may assess a minrmum Interest charge of 50 50 for each 8 Brng Cycle 4 your acmunt is sublem to an Interest Charge. How do vou Cele late the Interest CharaeT We use a method called Average Da ly Balance (induding new tranwctrons) I Fret, for each segment we take the beginmng balance each day and add in new transarzions and the periodrc Interest Cha ge on Ihe previous day's balance. Then we subtra0 any payments and credits for that segment as of that day The result is the daily balance for each segment However, if you paid your previous month's balance rn full for your previous statement balance was zero or a credit amountl, new transadions which post ro your purchase segment are not added to the darly balance. 2. Next, for each segment, we add the daily balances toqether and divide the sum by the number of days in the Biymg Cyde The resuh s the Average Daily Balance for each segment. 3 At the enrl ofeach Billing Cycle, we mult plyyourAverage Daily Balanceforeach segment by the daily penodic rate (APR drvrded by 365) for that segment, and then we muhiply the result by the number of days rn the Billing Cyde We add the Interest Charges fo ag segments together. The resuh is your total Interest Charge lor the Bill ng Cycle NOTE Due to tounding or a min mum Interest Charge, this cainrlation may vary slrghtb fram the Interest Charge actually assessed How can m Va iaht ApR channe7 Your nlmmay increase or decrease based on oncefthe fogowing reported nd ce1 freponed n The wall stree c Jownag To Bnd which index is used for your acmunt look for a letter mde on the iront ol this statement next to your APR(sk Then check the table below; H d P * ss P tsz When you make a payment, you aurhorrze us to rnrtrate an ACH or eienronic payment Ihat wrg be debited from your bank account or orher related account. When you p ovrde a check or check informarron io make a paymenr, you authonze us to use information fram the check to make a oneumeACHorolhereleoronctransferfromyourbankaccount. Wemayalsoprocemitasachecktransaction Funds may be withdrawn from your bank account as soon as the same day we process your payment. when will vou credit Ivlv pavmenlz For mobile, onlrne or over the phone, as of the bounces day we recerve rt, as long as n re made by 8 p m. ET. For mailed payments, as of the bounces day we rmeive u, as long as you send the bonom poruon of thn sratemeni and your check ro the payment address on rl e front of this statement Please allow ar least (7) budness days for ma I delwery Ma led payments recnved by us at any orher location or payments rn any other form may not be nedrted as of the day we receiue them How do vou Aoolv Mv Pavment1 We generally apply paymenls up to your Minimum Payment lirst to the balance with the lowest Aplt gnclud ng DN ApR), and then to balances tvnh higher Apgs we apply any pan of your paymenl exceed ng your Mrnimum payment to the balance wirh the hrghest ApR, and Ihen to balances with lowe APIts. Billing Rights summary /Dpes rror Apply ro Fmarl pusmessdccounr4 What To Do If You Think You Find A Mistake On Your Statement 8 you think there is an error on your statemenr, wrire to us at Capital One P 0. Box 30285 Salt take City, UT 84130O285 In your letter, grve us the fallowing miormalion Account rniormauon Your nante and account number. Dog or amounz The dollar amount of the suspeded error Description of Problem If you tank there is an error on your brg, describe what you behave rt wrong and why you believe it is a mistake You must contact us within 60 days aber the error appearerl on your statement. You must notify us of any potent el errms in wntrng 'rou may cag us or noirfy us elenrommgy, but I you do we are not required to invett gate any potential er om and you may ha e to pay Ihe amount n question. We will notify you in wnang tv th n 30 days of our race pt of your lener. Wh le we invesdgate vhether or not there has been an error, the follow ng are true. We cannot tn to cogen the amount rn questien, or repon you as delrnquent on that amount The charge in questton may remmn on your statement and we may cont nue to charge you rnterest on that amount But, tf we determrne that we made a mrsmke, you w 8 not have to pay the amount tn questron or any mteresr or other fees related to that amount White you do not ha e ro pay the amounr in quest or& unai ve send you a netice about the outcome of our nvestgatnn,yo aeresponubleforthe emavmerofyo rbalance We can apply aay unpa d amount agarnst your credn lrmrt Wrthrn 30 days of our recerpt of your letter, we wrg send you a wntten nnt ca expiar mq erther that we co ected the erro (to appear on your next statement) or Ihe reasons we beireve the bry scarred Your Rights If You A e Dimatamed W th You Pu«hase. Hyou a edssatniierl Ih the goads ot san«ces that you have purcirased w rh your crerlu. card, and you have tned rn good fath to corred the problem wrth the merchant, you may have the rrght not to pay Ihe rema&~ ng amount due on Ihe purchase To use this right, the iogowing must he true I) You must have used you nerl t ca d fn the pu chase Punhases made uh msh advances from an ATM or vrrth a rheck that acccssm your c edit ca d account do not qualrfy. and 2)Yo mustnotyethavef gypadiorthepurciase If ag of the cntena above are met and ynu are st 8 rlrssausged w th Ihe purchase, contact us rn wnt ng at Cap tai One P 0 Box 30285 Salt lake C Iy, UT 84130 0285 Wh le we rnvesbgate, the vt e miss apply to the drspuled amou t as deceased above Afte«e In eh our rnvmhgaton,wewytegyouourdeosron Atthatpornc iwethinkyouo eanamountandyo donotpaywe may report you as delmluent 02015capn410ne captalo e safederaay egsteedse cemam tTC 08 08123115 Changing Address? Address Not quite ready to make payments online? No piobiem. l-oilow these simple steps to make sure we process your payment smoothly: Heine Phone Alternate I'hone F-mail Adiiress Pleaae Dnni addresn or phone nuiqber Dbovn using blun or black mk ~ Make checks payable to Capital One Bank (L)SA), N.A. and mail with this payment slip ~ Don't staple of paper clip your check to the payment slip.~T ~ 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. 157 Page2of 3 t Cuatoiitel'arrios I~ www.capitalone.corn Aug. 15 - sep. 14, 2016 31 Oays in Billing Cycle j Platinum MaslerCard NEW BAlANCE $2,126,84 MINIMUM PAYMENT $70.00 Account ending in 4925 DUE DATE Oct ll,2016 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: $ 5,750 00 $3,623.16 M so.oo i $ 150.00J Previous Balance ( $2,258~93 Payments and Credits $180.00 Fees and Interest Charged $ 47 91 New BalanceTransactions $0.00 ) = Q $2,126.84 J ( (TRAN5ACTION5 CONTINUED *important Ivotice* You are enrolled in Autopay Your selected payment of $80 00 will be debited from your bank account on your Due Date. If your payment is less than the Minimum Amount Due, you will need Io make an additional payment of the difierence between the Iwo amounts. If your payment is more than the Current Balance on your Due Date, only the Current Balance will be debited. 20123'I With rates as low as 2.99% APR*, see what refinancing your auto loan could do for you. Why not join the thousands of happy customers who've refinanced with Capital Oneee? No wonder they'e given us an average customer rating of 4.8 out of 5 stars. Like them, you could save money. How Auto Refinancing Works: Apply online with your vehicle make, model and year if approved, see how much you could save with a lower monthly payment or rates as low as 2.99% APR'. If you like what you see, sign online and finish up the process See what refinancing your auto loan could do for you. Apply today at www.capitatone.corn/autorefi and start thinking about what you'l save for "I experienced nothin but smooth sailing." - Timothy***** Refinance Custom Refinance, and you could save enough for a cruise. See what refinancing your auto loan could do for you at www.capitalone.corn/autorefi See reverse side for important disdosures and requirements 159 Important Disclosures and Requirements *APR is the AnnualPercentage Rate. Advertised rates are offered depending on the individual's excellent and substantial credit and key loan characteristics, including but not limited to amount, term, and vehicle charactenstics. A representative example of paymeni terms are as follows: a loan amount of $20,000 with an APR of 7.50'/v and a term of 60 months would have a monthly payment of $400.76. Adverbsed rates are subject to change without notice Vehicle Type Restrictions Capital One Auto Finance only finances new and used cars. hght trucks, minivans and SUVs that will be used for personal use Vehicles musl be 7 years old or newer We do not finance Oldsmobile, Daewoo, Saab, Suzuki or Isuzu vehirles. We do not offer financing for commercial vehicles, rnotorcycles, recreational vehicles (RVs), ATVs, boats, camper vans, motor homes, lemon vehicles, branded title vehicles, or vehicles without a Vehicle Identification Number (VIN) or title issued We may determine a vehicle to be commercial or otherwise inehgible based on the model and/or information provided to us. Loan Amount Restrictions Minimum loan amount is $7,500 You may apply for a loan amount of up lo $40,000 Your actual loan amount wul be limited based on the value of the spemfic vehicle that you are refinancing. For the vehicle you want to refinance, the value is based on Kelley Blue Book wholesale value or NADA trade-in value (depending on your state of residence). The amount of this limitation may vary and will be speafied in your loan package as the "LTV" (loan-to- value) limit. For example, if ihe value of the vehicle that you are refinancing is $20,000, and your LTV limit is 110%, then your refinanced loan amount can be up to $20,000 x 110'/v = $22,000. Refinancing Restrictions Capital One Auto Finance only refinances loans from other financial irnsiitutions, not including Capital One subsidiaries Your curreni tender musi be an FDIC or National Credit Union Administration (NCUA) insured financial institution Most banks, credit unions and larger auto finance compames meet this requirement You must refinance the full payoff amount of your existing auto loan sublect to our minimum and maximum loan amounts INe do not offer cash back refinancing or lease buyouts. If you have a GAP policy on your current loan, your GAP agreement wilt have language confirming whether your GAP policy terminates upon refinancing or whether coverage continues Please contact your GAP prowder for any questions or concerns Capital One Auto Finance will only pay off your existing auto loan and will noi iinance new GAP coverage if your current GAP provider cancels the coverage upon refine nang the original loan About You (the applicant) In order to qualify for this offer, you must be in good standing (not over limit, past due, or charged ofl) on any other existing Capital One account You must be at least 18 years etage to apply Apphcants must have a valid physical street address withm the Umted States at the time of application PO Box addresses are nol eligible for this offer An mdiv/dual who does not have a physical street address may use an Army Post Oftice address or a Fleet Post Office address A minimum monthly income requirement of $ 1,500 to $ 1,800 will apply dependmg on your credit quahfications You must be in good standing on your mortgage and auto loan payments. Refinance Documentation Requirements After you apply and are approved to refinance an auto loan with us, you may need to provide some or all of the followmg documentation. Proof of Income Based on your credit, you may need to provide Proof of income documentation Vehicle Title You will need to send us your vehicle title if you reside in one of the following states KS, KY, MD, Ml, MN, MO, iNY OK, SD, Wl In all other states, we will obtain the title directly from the state agency which holds your vehicle btle Limited Power of Attorney to Modify Vehicle Title In order to modify your vehicle title to show Capital One Auto Finance as the new henholder we will need you to sign a limited Power of Attorney document, which authonzes us to make this change at the Department of Motor Vehicles (Dl'4V) Notice Regarding State Title Fees Each state imposes a title transfer fee that can vary depending on Ihe state in whirh you rewde Ttiis fee is cliarged by your state, not Capital One We vrill pay this fee on your behalf and add it to your final loan amount Customer rewews are submitted by validated Capital One customers who refinance usmg Capital One Some product ratings and rewews may be obtained from customers with different versions of the product displayed To contact us, visit wxrw capita lone corn/contact Products and services provided by Capital One, N A, Member FDIC 0 2016 Capital One Capital One and Capital One Auto Finance are federally registered trademarks All nghts reserved 15000 Capital One Drive, Attn 12038 0111 Richmond, Virgima 23238 To contact us by mail, please use the followmg address Capital One Auto Finance, 7933 Preston Rd, Piano,lx 75024 160 Pagel of 3 Customer Servicet~ www.copitolone.corn Platinum MeeterCard $1,990.33 MINIMUM PAYMENT $64.00 rttxw PRY Ar Lrxsr Tats Ru0ukr Acmunt ending in 4925 DUE DATE Novll,2016 MINIMUM PAYMENT WARNINGr e pm make orty Ihe mwmum pennant each perio nm vd pay more in intumt and ri vdt take you longer to pay dt your babnce. For examtsu Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Mmumpatrnut I raynse I Ss,isa $20 I ay~ SAIL% Estimated savings it balance is paid off in abr ut 3 years: 32,3la Credit Limit: $5,750.00 Available Credit: $3,759.67 Cash Advance Credit Limit: $ 150 00 Available@art'I for cash Arfyances $ I 50 00 LATE PAYMENT WARNING: Sm 0notmcehey@rmwnumpaymentbyyaurdue ate, you may have Io toy a late tee of up to IGSCO. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $2,126.64 j - I $ 1BO.OO J $0.00 $ 1,990.33 (TRANSACTIONS PAYMENTS, CREDITS & ADIUSTMENTS FOR MELANY BASA ¹4925 I 05 OCT CAPITAL ONE ONLINE PYMTAuthDate 03-OCT 2 11 OCT CAPITAL ONE AUTOPAY PYMTAuthDate 12-SEP TRANSACTIONS FOR MEIANY BASA ¹4925 ($ 100.00) ($ 60 00) Ittsb 'log In" to Online Banking. Next, sign up by. 1. Clir:king "Massaging and Alerts" 2. Chcktng "SetA(arts" 3. Choosing tho free sleds you'd like to recewe FEES I otal Fees Thts Pertod $0 00 '\'Our C rriCr 9'ay otmge a f 4 ter catty teXI'mcSSage air.rl yuu reretVe. IOOOOI.C INTEREST CHARGED INTEREST CHARGE PURCHASES Total Interest This Pened TOTALS YEAR TO DATE Total Fees This Year Totaltnterest This Year Transacttons continue on page 2 143 49 $43 49 $ I900 $ 3BO 56 INTEREST CHARGE CALCUlATION Your Annual Percentage Rate (APR) ts the annual interest rate on your account Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Purchases 25.15% P $ 2,104 10 $43 49 Cash Advances 25.1 5% P $0 00 $ 0.00 pl D I Vanuttie Rate See reverse of page I fordetatls PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WVIMI CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE Ca~~wg Due Date Account ending in 4925 New Balance Minimum Payment Amount Enclosed 4925 14 199D330080000064007 Nov. 11, 201 6 I I $1,990.33 $64.00 I PLEASE PAY AT LEAST THIS AMOUNT ENIOY 24/7 ACCESS TO YOUR ACCOUNT 'P y'cr ky c Re k t accus s ress's/ IIELANY BASA 4400 THE ktoODS DR APT 1724 SRN JOSE. CA '1513I -3660 Capital One Bank IUSA). N.A. P.O. Box !059'I City of Industry. CA 91714-0599 i " lli I'llilillli il iiilli » ill 'l " IIIIII'I » li I llillill 4925 14 199033D080000067,007 161 Oil 11 Code next to your APRis} P t How do we cafe late your APR(s)7 Index + ma gin (previously dndosed to youl r rime Rate + margin 3 r outh&IBOR t margin Pnme Rate t marmn I month CIBOII + marmn When your APR(s) will change The first day of the 8 ging Cides that end ~ lan., Apnr, luly, and 00 The 1 sl day of each Bipmg Cyde Howe IA id Me bemhiR Fees'fa Renewal Notes sp ntedonthefrontofthrsstatement,yo may avord paying an annual membersh p iee by contacong Customer Servrce no later than 45 days after the last day n the 0 0 ng Cycle co ared hy thu staremenl to request that we dose your ac&ount Io avord paytng a monthly membershtp fee, clmeyouramount and e lislopassessngyourmonthlymembetship Fee Ho r rr m 4 tt Yo can contact customer sew ca anylme to request that we dose you amount HowdolMakePavment7 Yo maymakeyou payment nsevealways 1. Onlneanrlioggngintoyouramou I. 2 Cap tal One Mobrle ilanhng app lo appm cd elect onx rlev ces, 3 Telephone Voce Response System by diaing Ihe telephone numbe hated on tire front of this statement and follow ng the voice p ompts. 4 Call g the telrplto e n nibs luterl an the front ol the starement and proud:ng your rnfomation to our represcnatl e. 5 Send ng mal paymenc to the add astor the I o rot rl sstarement with the payment coupon or your account «fo rnaaon N C I Avoid Pa I Inta est Charges7 If you pay your statemenl's New Balance rn full by the due date, vre will not chatge you intewst o any new transacaons that post to the purchase segment. If you have been paying yaur account in HR anth no Interest Cha ges, but then you do not pay your nem New Balance in full, we writ charge interest on the portion of the balance that you d d not pay For Cash Advances and Special Transfers, we wrli start drarging Interest on ihe transadron date Certmn promotronai offers may allow you to pay less than the total New Balance and avoid paying Interest Charges an new purchases. Please refer Io the tront of your statement for additional informahon Ho is the tnt* t Cha oe aaoliedl Interest Chatges accrue fom the date of the transaction or the first day of the Billing Cycle Interest Charges acoue on every unpa d amount until it is paid in full This means you may owe Interest Charges even rf you pay the enbre New Balance fo one I! fling Cyde, but drd not do so the prevrou» Billing Cyde. Unpaid Interest Charges are added to Ihe corresponding segment of your a&mont Do «Mn m I t rest Charcrey We mayassessa minmuminterestChargeof505Dforeach Brg ng Cycle 4 your acmunt re subiert to an Intererl Charge. How do uou Calculate th I t est Charue1 We use a method mged Average Daily Balance finduding new transadmns) First, for each segment we take the beginning balance each day and add n new lransactions and the penodrc Interest Charge on the prevrous day's balance Then we subtract any payments and credits for that segment as of that day. Ihe result is the darly balance for each segment However, if you paid your prevrous monws balance in fug (or your previous statement balance was zeio or a crerlit amoung, new tiansanions which post to your purchase segment are nol added to the da ly balance 2 Next, for each segment, we arlrl the da ly balances together and divide the sum by the number sf days n the Billing Cyde. The result rs the Average Daily Balance for each segment 3. At the end of each Billing cyde, we mutapfy your A erage Daily Balance far each segment by the daily pertodrc rate (ApR rl vided by 365) for thm segrne t, and then we multrpiy the result by Ihe number of days rn Ihe Brging Cyde. We add the Interest Charge~ fo ag segment~ together The result rs your total interest Charge for the Billing Cyde NO7E Due to rounding o a min mum Interest Charge, this calculatron may van shghtly from the Interest Charge a due gy amassed Hnw can mv Variabl APR chanaet You Af'8 may mcrease ordeuease based on one of the fogowmg reported ind ces (reponed rn The wall 5treet Iournarl Io fnd wtu&h ndex is used for your account, look fora letter code on the kont of this statement next to your ApR(s) Then clre&k the table below: How do vou Process Pa~ents7 When you make a payment, you authorize us to in tiate an ACH or eleomnrc payment that will be deb ted ftom your bank acmunt or other related account When you prov de a &heck or check informanon to make a payment, you authorire us to use rnformation from the check to make a one time ACH or other eledronic transfer from your bank account. We may also process rt as a check transao on Funds may be withdrawn from your bank account as soon as the same day vre p ocess your payment. When will vou Credit Mv Pavmenty For ma bile, online or over Ihe phone, as of the business day we receive it, as long as it is made by 8 p m ET Far maIied paymenrs, as of the business day we raceme it, as long as you send the bottom portion of this statement and your check to Ihe payment address on the front of thu statement Please allow at least (I) business days for mail delivery. Mailed payments recewed by us at any other location or payments in any other form may not be oedited as of the day we receive them. How do vou Az ofv Mv pavment7 We generally apply payments up to your Mrnimum Payment Br\I to the balance with the lowest ApR (rndudrng DW ApRI, and then to balances wirh higher Apgs we apply any part of your payment exceeds ng your Minimum Payment to the balance with the highest APR, and then to balances w th lower APils nrllin~lliohm ssturmmmanr rpoes notd non to small pasaress Arwu jrrs What To Do If You Think You Find A Mistake On Your Statement: lf you thrnk there is an coo&on yaur sratement, wnte to us at capital one p 0 Box 30285 salt take oly, U T 84130o285 in your letter, give us the follow ng in(ann a ban: . Account informat orv Your name and acmunt number . Dollar amount: Tne dollar amount of the su spaded error Deswptron of Problem' you think there rs an error on your brit, descrrbe what you beireve rs wrong and why you believe ir o a mistake. You must contact us within 60 days after the error appeared on your staremenr You must not fy us of any polenlral euors rn wntrng You may call us or not fy us eledronragy, but if you do we are not required to rnvest gate any potenaal errors and you may have to pay Ihe amount n question We w 0 notrfy you rn wnung rvrthm 30 days of our recerpt of your letrer Hfhrle we rnvestrgate whether or not there has been an error, the follow ng are true. we cannot try to collect the amount m queston, or report yau as delinquent on that amount fhe charge in quest on may remarn on your statement, anrl we may cont nocto &name yo nre est 0 that amount But, f we determinethatwemadeamstake,youwgnothavetopaytheamount nquesto orany nterestorothe fees related to that amount Whrle you do not have to pay the amount m questron untrl we send you a nouce about Ihe outcome of ou rnvestigatron, yau are responuble for the rema nder of yaur balance We &an apply any unpa d amount agamst your oed I lirmt Nth n 90 rfays of our ece pt of yo r letter, mew Ii send you a wr tten notice explaining e the that we correcred the enar (io eppes on your nen staremenr) or the reasans we believe rhe b 1 is mrreo. Your Rights If You Are Diss atished With Your Pur«hase: Ii you a e d ssatolied w th the goads or servrces that you have purchased with your oedit card, and you have t nd m good ta th to cm eo the p oblmn Ih tl e merchant, you may have the right not to pay the remaimng amount due on the purclww To use thrl r ght, Ihe fogowrng must be I ue I) You must have used your cred t card for the purrhase Purrhases made weh cash advances from an ATM o wnh a check that sr&esses your cred I card acmunt do not qual fy, and 2l You must not yel have tully paid for the purchase Ifag of the cnlena aboue are met and you are sbg drssatisf ed w Ih Ihe pu chase, contort us n wnt ng at Capital One 7 0 Box 302855alt take City, U1841 300285 Wh le we nvest&gate, the mme rules apply to tire rl sputed amount as rl scut&ed above Afrer we I r, sh our mvesagatron, wewrg tell you our deus on At that pont, rf we Ilnnk you owe an amount and you do not pay e may repoh you as rlelrnquent W 2015 Cap ral One Caprrat One rs a federally regstered servrce nrark Erc 08 oaoen s Changing Address? Address Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly; Home Phone Alternate Phone F-mai) Address Please Dnnl arfdroos or phone number obovo Uatna blue or black ink. ~ Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper dip your check to the payment slip.~T ~ Please don't include any additional coffespondence. ~ Last but not least, be sure to write the last four digits of your account number on your check. 162 Page 2 of 3 Customer Beniioe tttnegHIO7 www.capitalone.corn sep 15- oct 14 2016 30 Days in Billing Cycle Platinum MasterCard L $ 1,990.33 MINIMUM PAYMENT 664.00 Account ending in 4925 DUE DATE Nov11,2016 7 Cash Advance Credit limit: Available Credit for Cash Advances: $ 150.00 $ 150.00 Credit Limit: $5,750.00 Available Credit: $3,759.67 Previous Balance $2,126 84 Payments and Credits I $ 180.00 Fees and Interest Charged I $43.49 J Transactions New Balance + $0.00 I = L$1,9~90.33 i ii TRANSACTIONS CONTINUED You are enrolled in Auto Pay. You'e selected to pay $80 00, which will be debited from your bank accourrt on your Due Date. If your payment is less than the minimum amount due, make an additional payment to meet that amount. If your payment is more than yoirr current balance, we will only debit the current balance 163 201231 CaPitalorff 'ith rates as low as 2.99% APR*, see what refinancing your auto loan could do for you. Why not join the thousands of happy customers who've refinanced with Capital Onete? No wonder they'e given us an average customer rating of 4.8 out of 5 stars. Like them, you could save money. How Auto Refinancing Works: Apply online with your vehicle make, model and year. If approved, see how much you could save with a lower monthly payment or rates as low as 2.99% APR'. If you like what you see, sign online and finish up the process See what i efinancing your auto loan could do for you. Apply today at www.capitatone.corn/autorefi and start thinking about what you'l save for "I experienced nothi but smooth sailing." - Timoth***** Refinance Custom Refinance, and you could save enough for a cruise. See what refinancing your auto loan could do for you at www.capitalone.corn/autorefi See reverse side for important disclosures and requirements 164 Important Disclosures and Requirements *APR is the Annual Percentage Rate Advertised rates are offered depending on the mdividual's excellent and substantial credit and key loan charactedstics, including but not limited to amount, term, and vehicle characteristics. A representative example of payment terms are as follows' loan amount of $20,000 with an APR of 7 50% and a term of 60 months would have e monthly payment of $400 76. Advertised rates are subject to change without notice. Vehicle Type Restrictions Capital One Auto Finance only finances new and used cars, light trucks, minivans and SUVs that wfil be used for personal use Vehicles musl be 7 years old or newer We do not finance Oldsmobile, Daewoo, Saab, Suzuki or Isuzu vehicles We do noi offer financing for commercial vehicles, motorcycles, recreational vehicles (RVs), ATVs, boats, oamper vane, motor homes, lemon vehicles, branded title vehicles, or vehicles without a Vehicle Identification Number (VIN) or title issued We may determine a vehicle to be commercial or otherwise ineligible based on the model and/or information provided to us Loan Amount Restrictions Minimum loan amount is $ /,500. You may apply for a loan amount of up to $40,000. Your actual loan amount will be limited based on the value of the spemfic vehicle that you are refinanmng, For the vehicle you want to refinance, the value is based an Kefiey Blue Book wholesale value or NADA Iradean value (depending on your state of residence). The amount of this limitation may van/ and wifi be speciTied in your loan package as the "LTV" (loan-to- value) limit. For example, if the value of the vehicle that you are refinancing is $20,000, and your LTV limit is 110%, then your refinanced loan amount can be up to $20,000 x 110% = $22,000. Refinancing Restrictions Capital One Auto Finance only refinances loans from other financial institutions, not including Capital One subsidiaries. Your current lender must be an FDIC or National Credit Union Administration (NCUA) insured financial institution. Most banks, credit unions and larger auto finance companies meet this requrrement You must refinance the full payoff amount of your existing auto loan sub)act to our minimum and maximum loan amounts INe do not offer cash back refinancing or lease buyouts. If you have a GAp policy on your current loan, your GAp agreement wui have language confirming whether your GAP pohcy terminates upon refinanang or whether coverage continues. Please contact your GAP provider for any questions or concerns. Capital One Auto Finance will only pay off your existing auto loan and will not finance new GAP coverage if your current GAP provider cancels the coverage upon refinanang the anginal loan About You (the applicant) In order to qualify for this offer, you must be in goad standing (not over limit, past due, or charged off) on any other existing Capital One account You must be at least 18 years of age to apply Apphcants must have a valid physical street address within the United States at the time of apphcakon P 0 Box addresses are not eligible for this offer An rndwidual who does not have a physical street address may use an Army Post Office address or a Fleet Post Office address. A minimum monthly income requirement of $ 1,500 to $ 1,800 wilt apply depending on your credit qualifications You must be in good standing on your mortgage and auto loan payments. Refinance Documentation Requirements After you apply and arc approved to refinance an auto loan with us, you may need to provide same or afi of the following documentation Proof of Income Based on your credit, you may need to provide Proof of income documentation ~ Vehicle Title You wilt need to send us your vehicle title if you reside m one of the fallowing states KS, KY, MD, Ml, MN, MO, NY, OK, SD, Wt In ail other states, we writ obtain the title directly from the state agency which holds your vehicle title. ~ Limited Power of Attorney to Modify Vehicle Title In order to modify your vehicle title to show Capital One Auto Fmance as the new lienholder, we will need you to srgn a hrmted Power of Attorney document, which authonzes us to make this change at the Department of Motor Vehicles (DMVI Notice Regarding State Title Fees Each state imposes a utle transfer fee that can vary depend stg an the state in which you reside This fee is charged by your state not Capital One Vye wfi pay this fee on your behalf and add it tc your final tean amount Customer reviews are submitted by validated Capital One customers who refinance using Capital One Some product ratings snd renews may be obtained from customers xvith different versions of the product displayed To contact us, visit www capita lone corn/contact Products and services provided by Capital One, N A, Member FDIC 2016 Capital One Capital One and Capital One Auto Fmance are federally registered trademarks Afi nghts reserved 15000 Capital One Dnve, Attn 12038 0111, Richmond, Virgmra 23238 To contact us by mail, please use the following address. Capital One Auto Finance, 7933 Preston Rd, Piano, TX 75024 165 Platinum MasterCard 61,953.06 Page lot 2 Customer Bervke 1401903-3637 www.cepitalon0.corn 663.00 Dec 11, 2016 PLEASE PAYAT IEIIST THIS AMOUNT Acmunt ending in 4925 MINIMUM PAYMENT DUE DA1E Oct. 15 - Nov. 14, 2016 31 Days rn Bdlrng Cycle MINIMUM PAYMENT WARNING: If you make onytnnfriimumPaymefleachneicd nxr n I pay more in ntere9 ard t nB take you IoTgxr lo pay off yox babnce For exampk.. Payment Amount Ea«h Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cast IarfmumPannmt ~ I3vam $507g $73 3vrms j Sefnt Estimated savings if balance is paid off in about 3 years: $2273 Credit Umit: $5,750.00 Cash Advance Credit Limit: $ 150 00 gfouxoruk«tmmmnatcuoedtccumdfrgsenroescalt46$32$305$ Available Credit: $3 796 94 Available Credit for Cash Advances: $ 15000 LA "Y N "" 'N '~m~~pmm~~p mm'ttytou'derma you may have Io Ixv a late fee of up to@5 co Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $ 1 990 33 I - I $ 60.00 J + ( $42.73 J + $0 00 = ( $ 1,953.06 ! ! (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MELANY BASA ¹'4925 11 NOV CAPITAL ONE AUTOPAY PYMTRuthDate 11-OCT 660 00) TRANSACTIONS FOR MELANY BASA ¹4925 FEES Total Fees This Penod INTEREST CHARGED INTEREST CHARGE PURCHASES Total interest This Pened TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year $000 $42 73 $42 73 $ 19 00 $423 31 Firsb "Log In" to Online Bankinq Next, sign up by: 1. Clickrng "Messaging and Alerts" 2. Chcking "5et Alerts** 3. Choosing lhe free aieYN you'd like lo receive Vo„r carrier *, ay ntx Jk a '.x" ior.ad !ea mc nale alcr. You rccerre. JIXIOOT.C INTEREST CHARGE CALCULATION Your Annual Percentage Rate IAPR) is the annual interest rate on your account. Annual Percentage Bafance Subject to Type of Balance Rate iAPRj Interest Rate Interest Charge Transactions contmue on page 2 Purchases 2\ 15% P, $ 2,000.70 Cash Advances 2515% P $000 P,L,D,F - I/enable Rate See reverse of page I for detaris $42 73 $0 00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWWCAPITRLONE COM TO MAKE YOUR PAYMENT ONLINE 1 !,925 12, 1953060080000063006 4-apita)One Due Date 060.11,2016 Account ending in 4925 New Balance Minimum Payment Amount Enclosed 61,96806 I 663.00 I I PLEASE PAY AT LEAST THIS AMOUNT EN/OY 24/7 ACCESS TO YOUR ACCOUNT ~ P furr korlot rt x MELANY BASA 4400 THE MOODS DR APT 1724 SAN JOSE. CA 9513I -36I 0 Capital One Bank &USAI. N.A. P.O. Box b0599 City of Zndustr Y. CA 'I171I.-DS'i9 2,925 14 1953060080000063006 166 Code next to How do we calculate your your APR(s) APR(s)'? Index~+mar in P Prime Rate + margin L 3 month LIBOR + margin When your APR(s) will change Tha first day of the Brfirng Cycles that i end rn Jan., Apri, July, and Oct D Prime Rate + margin F I month LIBOR+ margrn How can I Avoid Membership Fees? If a Renewal Notice rs pnnted an the front of this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day rn the Billing Cycle covered by this statement to request that we close your account To avoid paying a monthly membershrp Fee, close your account and we will stop assessrng your monthly membership Fee. How can I Close Mv Account? You can contact Customer Service anytime to request that we dose your account. The first day of each Billing Cycle How can I Avoid Pavino Interest Charoes'7 If you pay your statement's New Balance rn full by Ihe due date, we will not charge you interest on any new transacbons that post to the purchase segment. If you have been paying your account in fug with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on Ihe portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charoe aoulied? Interest Charges acorns from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did nol do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charac? We may assess a minimum Interest Charge of $0.50 for each BiBing Cycle if your account is subject to an Interest Charge. ~How do ou Calculate the Interest Charac'I We use a method called Average Daily Balance (including new transactions). I.Frrst, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment .": of that day. The result is the daily balance for each segment. However, if your previous statemen! balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance, 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cyde, we multiply your Average Dariy Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle We add the Interest Charges for afi segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance rs referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can mv Variable APR chanae'? Your APRs may increase or decrease based on one of the following indices (reported in The Wail Slreet Journal ). The letter code below rxrrmsponds with the letter next to your APRs in the interest Charge Calculation secbon of this statement. 0 2016 Capital One Capital One is a federally registered service mark ETC-08 11/01/I 6 How do vou Process Pavments? When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authodize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Aoolv Mv Pavment? We generally apply payments up lo your Minimum Payment first to the balance with Ihe lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. BillinJLR~ihts Summarv IDoes not Aoolv to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement. If you think there is an error on your statement, write to us at; Capital One P.O. Box 30265 Sall Lake City, UT 841 3Ãl285 In your letter, give us the following information: ~ Account information: Your name and account number. ~ Dollar amount The dofiar amount of the suspected error. ~ Description of Problem: If you think there is an error on your bill, descnbe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 day. after th error appeared on your statement. You must notify us of any potential errors rn writing. You may cali us or notify us elecbonicaliy, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: ~ We cannot try to collect Ihe amount rn question, or report you as delinquent an that amount The charge rn question may remain on your statement, and we may contrnue to charge you interest on that amount. Bul, rf we determine that we made a mistake, you will not have to pay Ihe amount in question or any interest or other fees related to that amount. ~ While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can appty any unpaid amount against your credit limit Within 90 days of our receipt of your letter, we will send you a wntten notice explaining either that we corrected the error (to appear on your next statement) or the reasons we bekeve the bill rs rxrrrect. Your Rights If You Are Dissatisfied With Your Purchase: 8 you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried rn good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount dua on the purchase 1 o use this right, Ihe following must be true. I) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credrl card account do not quairfy, and 2) You must not yet have fully pard for the purchase If ag of the criteria above are met and you are still dmsatrsfied wrth the purchase, contact us in writing at. Capital One, P O. Box 30285, Salt Lake City, UT 84130.0285 While we investigate, the same rules apply to the disputed amount as dkscussed above. After we tinish our investigation, we will tell you our decision At that point, rf we think you owe an amount and you do not pay we may report you as delinquent. Chanain(( Mailina Address? You can change your address immediately at caprlalone.corn or complete the rnformatron below. Please pnnt usrng blue or black rnk How do I Make Payments& You may make your payment in several ways: 1. Online Banking by logging rnto your account, 2. Caprlal One Mobrle Bankrng app for approved electronic devtces, 3 Telephone Voice Response System by diaing the telephone number lrsted on Ihe front of this statement and foiiowrng the voice prompts, 4. Sendrng marl payments to the address on the front of this statement wrth the payment coupon or your account rnformatron. Street.. City. Phone.. Email. ..... Zip code ... When will vou Credit My Payment? For mobde, online or over the phone, as of the business day we receive rt, as long as they are made by 8 p m. ET. ~ For mail, as of the busrness day we receive rt, as long as if is recerved by 5 p m local time at our processing center You must send the bottom portion of this statement and your check to the payment address on Ihe front of this statement Please allow at least seven (7) busmess days for mail delivery Mailed payments received by us at any other locatton or payments in any other form may not be credited as of Ihe day we receive them. 167 Page 2of 2 Customer Savica 74100003.3637 www.capitalone.corn Oct. 15 - Nov. 14, 2016 31 Days in Bigtng Cycle Platinum MasterCard NEW BALANCE $1,963.06 MINIMUM PAYMENT $63.00 Account ending in 4925 DUE DATE Dec 11, 201 6 Credit Limit: Available Credit: Cash Advance Credit Limit: $5,750 00 $3,796 94 $ 150 00 Available Credit for Cash Advances: $ 150 00 Previous Balance Payments and Credits sgo oo Fees and Interest Charged $42.73 Transactions New Balance + I $0.00 ] = L f195306 It- LTRANSACTIONS CONTINUED You are enrolled in AutoPay. You ve seteoed to pay $60 00, which will be debited from your bank account on your Due Date if your payment is less than the minimum amount due, make an addirionai payment to meet that amount lf your payment is more than your current balarice, we wtl only debit the otrrent balance. 166 Cmgmta Platinum MasferCard NEW BALANCE $1,812.37 Credit Limit: $ 5,750.00 Available Credit: $3,937.63 Page 1 of 3 Cuslomer Bmv'me 140)9063637 www.cap))a)on a.corn $59.00 Jan 11, 2017 plEAsE rxr Ax Ltasr mls Au oU Hr Cash Advance Credit Limit: 1 available Credit for Cash Advances: $3, Account ending in 4925 MINIMUM PAYMENT DUE DATE MINIMUM PAYMENT WARNING: lf you nuke on)/Ife mnmum Paymmleach Poxd Pxr will pay mo e in interest and s wg take you longer ia pay og your Manes For exampu Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement galance Total Cost laninum Pennant layers T Sfg 33633 Estimated savings if balance is paid off in abwt 3 years: ERD33 ll YOU wcukl life hloln)aiol) about creoi1 cour)areng semess, oe I 4363363036. LATEpAYMENTNARNING: Ifwedonoreceheyourmrimumpaymenttypmrduedate, you may have to pay a ate fee of up to 336.ln. ! Previous Balance $ 1,953 06 Payments and Credits $ 180.00 ) + Fees and Interest Charged $39.31 Transactions New Be)ance r + $0.00 $ 1,812,37 7 I TRANSACTIONS ) PAYMENTS, CREDITS 8 ADJUSTMENTS FOR MELANY BASA 64925 1 27 NOI/ CAPITAL ONE MOBILE PYMTAulh Date 27 NOV 2 I 1 DEC CAPITAL ONE AUIOPAY PYMTAuthDale I I-NOV TRANSACTIONS FOR MELANY BASA ry4925 FEES Total Fees This Penod INTEREST CHARGED INTEREST CHARGE; PURCHASES Totailnterest This Pe/rod TOTALS YEAR TO DATE fatal Fees Thts Year Totallnterest Thfs Year Transactions continue on page 2 ($ 100.00) ($ 80.00) $000 $39 31 $ 39 31 $ 19 00 1462 62 firs!, "I,ng In" io Online Bankinrl. Next, sign up by; 1. Chcking "Messaging and Alerts" 2. Cllckmg "Set Alerts" 3. Cfioosfng 540 free alert) you'd hte to receive Y" 'r cwffi r rr'ai «)an/c 0 I 0 lof eactr le)l mer)ale aktl yorr nkov 300007-I k INTEREST CHARGE CALCUI ATION Your Annual Percentage Rate (APR) rs the annual interest rate on your account. Annual Percentage Balance Sub)ed to Type o( Balance Interest ChargeRate IAPR) Interest Rate PurChases 25 15% P $ 1,901 66 $ 39 31 Cash Advances 25 15% P $ 0.00 $000 P i D I = Vanabie Rale See reverse of page I for dele)is PLEASE RETURN PORTION BELOIN WITH PAYMENT OR LOG ON TO WWW.CAPITA«ONE COM TO MAKE YOUR PAYMENT ONLINE. /,925 14 1812370080000059006 Due Date e- Account ending in 4925 New Balance Minimum Payment Amount Enclosed ENJOY 24/r7 ACCESS TO YOUR ACCOUNT Jan 11, 2017 7 $1,81237 $5900 PLEASE PAY AT LEAST THIS AMOUNT 'Hxyu r) cr ky ~ .* 0000'0 MELXNY BASA 4400 THE iioobS 08 APT 1724 SAN JOSE CA 9513l*-36I 0 CaPital One Bank (USA) N.A. P O. Box 60599 Cxty of Industry CA 91711-0599 I " lff 'IIIIIIIII'll'IIIIII'IIIII I IJ " Illlflffil JI I IIIIIIII 4925 14 18123/0080000059006 $ 59 How can I Avoid Pavine Interest Charaes? If you pay your statemenl's New Balance rn full by!he due date, we will nol charge you interest on any new transactions that post to the purchase segment If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge mterest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the Iransaction date. Certain promotional offers may allow you to pay fess than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Chsrahea lied? interest Charges accrue fram the date of the transaction or the lirst day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full This means you may owe Interest Charges even rf you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle Unpaid Interest Charges are added to the corresponding segment of your account Do vou assess a Minimum Interest Charac'? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do vou Calculate the Interest Charac'? We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we take Ihe beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment However, rf your prcvroua statemenl balance wa. zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number ofdays in the Billing Cycle. The result rs the Average Daily Balance for each segment 3.At Ihe end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365l for that segment, and then we multiply the result by the number of days in the Billrng Cycle We add the Interest Charges for all segments together. The result is your total interest Charge for the Billing Cycle. The Average Dariy Balance is referred to as the Balance Subject to Interest Rale rn the Interest Charge Calculation sechon of this Statement NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the interest Charge actually assessed How can mv Variable APR chango?Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter cade below corresponds with the letter next to your APRs rn ihe interest Charge Calculation section of this statement Code next to How do we calculate your When your APR(s) will change your APR(s) APR(s)7 Index+ margin P Pnme Rate r margin L 3 month LIBOR+ margin The first day of each Billing CycleD Pnme Rate+ margin F 1monthLIBOR+margrn How can I Avoid Membershio Fees7 If a Renewal Notice rs prmted on this statement, you may avoid paying an annual membership Fee by contactrng Customer Service no later than 45 days after the last day rn the Billing Cycle covered by this statement to request that we close your account To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee How can I Close My Account'? You can contact Customer Service anytime to request that we close your account How do vou Process Payments'I When you make a payment, you authorize us to inrliate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check intormation to make a paymenl, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank acrxrunt. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Annlv Mv Pavmant'? We generally apply payments up to your Minimum Payment 6mt to the balance with the lowest APR (induding 0sr APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Biilina Riohts Summarv fDoes not Aoo~tto Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us al: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information. ~ Account information: Your name and account number. ~ Dollar amount: The dollar amount of the suspected error. ~ Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days aft"r the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but if you do we are not required to investigate any potential snore and you may have to pay the amount in question. We will nokfy you m wnbng within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: ~ We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interes! on that amount. But, rf we delermrne that we made a mistake, you will not have Io pay the amount in question or any interest or other fees related to that amount ~ While you do not have to pay the amount in question until we send you a notice aboui ihe outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount agamsl your credit lrmrt. Wrthin 90 days of our receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the brll rs correct Your Rights If You Are Dissatisfied With Your Purchase; if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the nght not to pay the remaining amount due an the purchase. To use this nght, ihe following must be true; I) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accasses your credit card account do not qualify; and 2) You must not yet have fully paid for the purchase. If all of the cnteria above are met and you are sall dissatisfied wrth the purchase, contact us in writing at. Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. Aiter we fimsh our investigation, we wilt teil you our decision At that point, rf we think you owe an amount and you do not pay we may report you as delinquent ETC-08 2016 Capital One. Caprlai One is a federally registered service mark 11/0 1 f 16 Chanaina Mailina Address? You can change your address rmmedrateiy at caprtalone corn or complete the rnformation below, and return thrs coupon wrth your payment Please pnni usrng blue or black mk How do I Make Pavments? You may make your payment in several ways. 1 Onkne Bankrng by loggrng rnto your account; 2 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of thrs statemenl and providrng the required payment mformatron; Sendkng mail payments to the address on the front of this statement with the payment coupon or your account information. Street City State Phone. Email. Zrp code .. When will vou Credit Mv Pavment? For mobrie, online or over the phone, as of the business day we receive rt, as long asitismadeby8pm ET For mail, as of the business day we receive rt, as lang as rt rs received by 5 p.m. local time ai our processing center You must send the bottom portron of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) business days Ior marl delivery Mailed payments received by us at any other locatron or payments in any other form may not be credited as of the day we receive them. 170 Page2of 3 Customer Bmvice I 000033637 www.capltalone.corn Nov. 15 - Dec. 14, 2016 30 Days in Billing Cycle Platinum Mastercard NEW BALANCE $1,812.37 MINIMUM PAYMENT $59.00 Account ending in 4925 DUE DATE Jan $ 1,2017 Credii Limic $ 5,750.00 Available Credit: $3,937.63 Cash Advance Credit Limit: $ 150 00 Available Credit for Cash Advances: $ 150 00 Previous Balance Payments and Credits $ 180.00 Fees and Interest Charged $39.31 J Transacdons New Balance r $0.00 j = j $ 1,812.37 ITRANSACTIONS CONTINUED You are enrolled in Autopsy. You'e selected to pay $80 00, which will be debited from your bank accoum on your Due Date. if your payment is less than the minimum amount due, make an additional payment to meet that amount if your payment is more than your current balance, we wai only debit the current balance 171 201233 CaPitalof?e'ith rates as low as 2.99% APR*, see what refinancing your auto loan could do for you, Why not join the thousands of happy customers who've refinanced with Capital Onec? Our customers save an average of $2,500 over the life of their loan. How Auto Refinancing Works: 1 2 3 4 Pre-Qualify Submit an application to see if yoti pre-qualify to refinance your current auto loan with no risk to your credit score Offer Details We review the information and if you pre-qualify, Capital One will show you offers to refinance your auto loan. Credit Application Select the offer that you want and complete your credit application This will result in an inquiry posted to your consumer credit report. Finalize Provide your VIN, E-Sign your contract, enter your current lender details, and if needed, send in any supporting documents. See what refinancing your auto loan could do for you. Apply today at www.capitatone.corn/autorefi and start thinking about what you'l save for Refinance, and You could save enough for a cruise. See what refinancing your auto loan could do for you at www.capitalone.corn/autorefi See reverse side for important disclosures and requirements 172 Important Disclosures and Requirements 'APR s Ihe Annual Percentage Rate Advertised rates are ofte ed depending on the individual s excellent and substanbel credit and key loan characteri sires, including but nol hmited lo amount, term, and vehicle charactenstics A representative ex*mple of payment tenne are as follows a loan amount of $20,000 with an APR of 7 50% and a term of 60 months would have a monthly payment of $400 76 Advertised rate are subiect to change without notice How Auto Refinance Works Prexgualtff catlonI'Submit an applrcation to see 4'ou prs qualify to refinance your current aifto loan with no risk lo your credit score. ~ Offer Details: We review the information you provrded to determine whether you pre-qualrfy. If you pre-qualify, Capital One will show you ofler(s) to refinance your auto loan Credit Application: Select the offer that you want, review the informakon you entered and complete Ihe credrt application which wrg result m an inqurry posted lo your consumer credit repoh and may impact your credit score Finalize: Provide your Vehicle Identrficalion Number (V IN), E-Sign your contract, enter in your current lender detarls, and rf needed, send in any supportmg documents The Capital One Customer Service team will then begin to process your application After your loan has been finalized, you will need to provide us with Title Transfer documents that vary by state. About you (the appffcant): To pre qu*lify for refinancing, you must be in good stand ng (not over limit, pa"t due, or charged oif) on any other existing Capital One account You must bc in good standmg on your mortgage and auto loan payments. You must be at least 18 years of age to apply Applicants must have a vahd physical street address within Ihe Umted States at the time of application. PO. Box addresses are nol eligible for refmancrng An individual who does not have a physical street address may use an Army Post Office address or a Fleet Post Office address. Ammimum monthly income requirement of $ 1,500 to $ 1 800 will apply depending on your credit quakfrcations. Prequalifioation does not guarantee Ihat you will receive frnancmg ur eny parliculai finanwng terms, which are subject to change based on our evaluation of the or edit application and any required documents Your ofier expires 30 days after you pre-qualify You may use your offer on the exp ration date, but not on any day thereafter. If your offer expires before you are ready to refinance your vehrcle, please re-submit a pre qualifrcatton applrcatron lo check your eligibility for a new offer. Vehicle Type Restrictions Capital One Auto Finance only finances new and used cars light I ucks, minwans and SUVs that will be used for personal use Vehicles must be 7 years old or newer Caprtel One does not refinance Oldsmobile, Daewoo, Scab Suzuki or I uzu vehioles, commerwal vehicles motcrcycles, recreational vehicles (RVs), ATVs, boats, camper vena motor homes, lemon vehicles, branded title vehicles lease buyouts or vehicles without a Vehicle Identrfrcatron Number (VIN) or tide issued. We may determine a vehicle to be commercial or othervvise Ineligible based on the model and/or mformatron provided to us Loan Amount Restrictions Minimum oan amount rs $7,500 and maximum loan amount s $40,000 Your *ctual loan amount will be limited based on the value of the spewfic vehicle that you are refmanmng For the vetiicle you w*nt to refinance, the value is based on NADA trade-in value Ttxe amount of this iimrlalion may vary and v 0 be specified m your loan package as the 'TV'loan-tu-value) krnit For exemple if Ihe vsfue of Ihe valvule ttrat you are refinanwng is $20,000, and your LTV limit n 110%, then your refinanced loan amount can be up lo $20,000 x 110% = $22 000. Auto Refinance Restrictions Capital One Auto Finance only ref nances loars from other frnancwl nstrtutrons not includmg Capital One subsidianes Your cu rent lender must be an FDIC or Natronai credit Union Administrauon (NcUA) msured finanmal mstitution Mast banks, credif unions and larger auto f nance compames meet this requirement You must refmance the fug payoff arrount of your exist ng auto loan subiect to our minrmum ar d maxrmurn loan amounts We do not offer cash back refmsncrng or lease buyouts We wrg only pay off your existing auto loan and will not finance new GAP coverage to cover any cancegcd coverage due to rofinanong To determrne if your GAP pohcy termmatos upon refine nong, consult your GAp agre ament or contact your GAo prcvider Auto Refinance Documentation Requirements Based on the informahon you provided v e will need some or eg nf Ih.. fogovvmg documentation . Proof of Income Pruof of Residence Proof oflnsurance ~ Proof of Employment . Velscle Title o You fineedtosendu-your vohiclotitlo fyourewcern oneofthefoffowrngstates KS, KY, MD, kff )4N MO NY,OK, SD IVI Inaffotherslatss ve vrgobtan the litle drrecffy from the stele agency which holds yotrr vehicle title - Lmn:ed Power cf Attorney lo Modify Vehrclc T ttr: o in order to modify your vehrcle litle to strow Capital OneAulu F notes ss the new lrenholder e wrg need you to srgn a kmrted Power ofAttorcey document whrch authorrzes rrs to rhake this change st Ihe Deoorlmenl of klotor Vr:trir,les (DMV) Lrfetrme savrngs clarm is based on average reductron m tctal hfeome payments our customers expenence over lire kfe of the loan compared to therr pnor kfetsne payment. cia m does nol mclude c.rstomers wtto choose lo extend the nurr bar of remar~ ing payments on their auto loan Lrfeame savmgs may result from a lower interest rate a shcrter term or bottt your actual savmgs may b. diff . ent 173 Page 1 of 3 Customer Bendce tk)001338W www.capita)one.cern Platinum MasierCard Account ending in 4925 NEV BALANCE MINIMUM PAYMENT DUE DATE MINIMUM PAYMENT WARNING Ifycumakeotrlhemnmumpatmmtmchpexrd,yru »rill pal'xo n inieiast Olid It »va take yoi k nger lo pay \8 '»1»ilr Manco roi e»BI»»pie payment Amount Each period If No Approximate Time to pay Off Estimated Additional Charges Are Made Statement Balance Total Cost $1,690.20 956.00 Feb 11,2017 I isv~ 8vnvs Pttiiss PAY AT ttnsr THIS AMOUNT Credit Limit $5,750 00 Cash Advance Credit Limit $ 150.00 Estimated savings if balance is paid off in about 3 years: If you veukl like infomat'on about credit counxyre Benkes, mt 1-88tkaseN85, $1,850 Available Credit: $4,059 80 Avadable Oeditforfash Advances. $4 05g 80 LATE PAYMENT WARNING: Sm@M'mMyorm~umtummltypurdreme, )xu may have Io nil' IBte too oi up to $85 00. Previous Balance $ 1,812 37 Payments and Credits $160.00 ) + Fees and Interest Charged $37.83 J Transactions + $0.00 New Balance $ 1,690.20 7 I TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MEIANY BASA f4925 1 20 DEC CAPITAL ONE MOBILE PYMTAuthDate 19-DEC 2 ll JAN CAPITAL ONE AufOPAY PYMIAuthDate12 DEC TRANSACTIONS FOR MEIANY BASA 44925 580 001 580.00) First, "leg in" io Oriline Blnkxig. Next; sign up hy: 1. Clicliing *'Massaging and Alerts" 2. Chcking "Set Alerts"'. Choosing lhe free alefu you'd like lo receive FEES Total Fees This Penod $ 0 00 Your carrie u aye'imoe 8 I 8 'or ascii te»J mes wle alar'I )ou . eive. 300807 C INTEREST CHARGED INTEREST OIARGE PURCHASES Toml Interest This Penorl $37 83 $37 83 INTEREST CHARGE CALCULATION TOTALS YEAR TD DATE Total Fees This Year Total Interest This Year $000 $37 83 Your Annual Percentage Rate IAPR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate IAPR) Interest Rate Transactions contmue on page 2 Purchases 25 40% P $ 1,753 39 Cash Advances 25 40% P $0.00 P I D F = Yarehle Rate See reverse of page I for detads $37 83 $ 0 00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE COM TO MAKE YOUR PAYMENT ONLINE. 7925 14 1690200080000056005 CagiltulQyte Due Date / Feb. 11, 2017 Account ending in 4925 New Balance Minimum Payment Amount Enclosed $1,0go.go 'so oo I PLEASE PAY AT LEAST THIS AMOUNT NELANY BASA 4400 THE BIOODS DR APT 1724 SAN JOSE, CA 95134-38HD lllirsl Capital One Bank (USA). N.A. P.o. Box IIJ599 Crty of Industry. CB 91716-0599 I" III IIIIIIIIIII II IHlli lilll I II" IIIHI)lil I I I llillill 4925 14 1690200080000056005 174 The first day of the Billing Cycles Ihat end rn Jan., Apni, July, and Oct. The first day of each Billing Cycle P Prime Rate+ margin L 3 month LIBOR+ margin D Prime Rate + margin F I month LI BUR+ margin an I Avoid Membershfo Feesz if a RHow c enewal Notrce rs pnnted on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statemeni to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can I Close Mv Account'I You can contact Customer Service anytime to request that we close your account How can f Avoid Pavino Interest Charaes'I If you pay your statement's New Balance in full by the due date, we wril not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full vriith no Interest Charges, bul then you do not pay your next New Balance in full, we will charge interest on the poriion of ihe balance that you did not pay. For Cash Advances and Spemal Transfers, we will start charging Interest on the transaction dale Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charac aoolied7 Interest Charges accrue irom the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even ri you pay the entire New Balance for one Billing Cycle, but did not do so the previous Biting Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charac'7 We may assess a minimum Interest Charge of $0 50 for each Billing Cycle if your account is subject to an interest Charge. How do vou Calculate the Interest Charqe7We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we take the begrnmng balance each day and add in new transactions and the periodic Interest Charge on Ihe previous day's balance. Then we subtrad any paymenis and credits for thar segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily bafances together and divide the sum by the number of days rn the Bilirng Cycle. The result is the Average Daily Balance for each segment 3.AI the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by Ihe daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate rn the interest Charge Calculation section of Ihrs Statement. NOTE: Due to rounding or a minimum interest Charge, this calculation may vary slightly from the interest Charge actually assessed. How can mv Variable APR chanoeg Your APRs may increase or decrease based on one of the following indices (reported in The Wall Slreel Journal ). The letter code below corresponds with the letter next to your APRs rn the Interest Charge Calculation section of this statement. Code next to How do we calculate your When your APR(s) wilt change your APR{s) APR(s)7 fndex+ margin How do vou Process Pavmentsz When you make a payment, you authorize us to rnitiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-lime ACH or other electronic transfer from your bank account. We may also process rt as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Aoolv Mv Paymmn We generally apply payments up to your Minimum Payment first to Ihe balance wibh fne lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with tower APRs. Billino Riehts Summarv LDoes not Aoolv to Smail Business Accountsl What To Do If You Think You Find A Mistake On Your Statement; If you think there is an error on your statement, write to us al: Capitaf One P.O. Box 30285 Salt Lake City, UT 841 30-0285. In your letter, give us the following information: ~ Account information: Your name and account number ~ Dollar amount The dollar amount of the suspected error. ~ Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in wnting. You may cali us or notify us electronically, bul if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your lerier. While we investigate whether or not there has been an error, the following are true: ~ We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge rn question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you writ not have to pay the amount in question or any interest or other fees related to that amount. ~ While you do not have to pay the amount in question unbl we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a written notice expiainrng either that we corrected the error {to appear on your next statement) or the reasons we believe the bill is correct Your Rights If You Are Dissatisfied With Your Purchase; If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith io correct the problem vriith the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, ihe following must be true I) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do nol qualify, and 2) You must not yet have fully pard for the purchase. If ail of the cntena above are met and you are still dissatisfied with the purchase, contact us rn wntrng at'apital One, P O. Box 30285, Salt Lake City, UT 84130.0285 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our rnvestrgatron, we will leli you our demsion At that point, if we think you owe an amount and you do not pay we may report you as deknquent. ETC-08 02016 Capriai One Caprlal One re a federally registered servrce mark 11/01I16 Chanaina Mailina Address? You can change your address immediately at caprtalone.corn or complete the information below, and return this coupon with your payment. Please pnnt umng blue or black rnk How do I Make Pavmentsv You may make your payment in several ways I Onlrne Bankrng by logging into your account, 2. Capriai One Mobile Bsnkrng spp for approved electronic devices; 3 Callrng the telephone number listed on the front of this statement and providing the requrred payment rnformation; 4 Sending marl payments to the address on the front of this statemenl wrth the payment coupon or your account rnformatron. Street... City State. Phone . Emari Zip code ~When will ou Credit Mv Psymsntz For mobile, onlme or over the phone, as of the business day we receive it, as long as it rs made by 8 p m. ET. ~ For marl, as of the business day we receive it, as long as it is received by 5 p.m local time at our processing center You must send the bottom portion at this statement and your check to the paymenl address on the front of this statemeni. Please allow at least seven (7) business days for mail delivery. Mailed payments received by us at any other location or payments in any other form may not be credited as of the day rve receive them 175 Page 2 of 3 Customer gewice1~7 www.capitalon0.corn Dec. is-Ian. 14, 2017 31 Days in Billing Cycle ) Pfatinum MaelerCard NEW BAlANCE $1,690.20 MINIMUM PAYMENT $56.00 Account ending in 4925 DUE DAlE Feh11,2017 Credit Umit: Available Credit: Cash Advance Credit trmn $S,7SO OO $4,059.80 $ 150 00 Available Credit for Cash Advances: $ 150.00 Previous Balance l $ E812.37 ] Payments and Credits Neo.oo Fees and Interest Charged $37.83 + Transactions New Balance ( TRANSACTIONS CONTINUED You are enrolled in AutoPay You'e selected to pay $80 00, which will be debited from your bank account on your Due Date li your payment is less than the nunimum amount due, make an additional payment to meet that amount If your payment is more than your current balance, we wiii only debit the current balaiice 176 201233 Capital olfe'ith rates as low as 2.99% APR*, see what refinancing your auto loan could do for you. Why not join the thousands of happy customers who've refinanced with Capital Onec? Our customers save an average of $2,500 over the life of their loan. How Auto Refinancing Works; 1 2 3 4 Pre-Qualify Submit an application to see if you pre-qualify to refinance your current auto loan with no risk to your credit score Offer Details We review the information and if you pre-qualify, Capital One will show you offers to refinance your auto loan Credit Application Select the offer that you want and complete your credit application. This will result in an inquiry posted to your consumer credit report. Finalize Prowde your VIN, E-Sign your contract, enter your current lender details, and if needed. send in any supporting documents. See what reiinancing your auto loan could do for you. Apply today at www.capitalone.corn/autorefi and start thinking about what you'l save for. Refinance, and you could save enough foI' Cl'ulse. See what refinancing your auto loan could do for you at www.capitalone.corn/autorefi 177 See reverse side for important disclosures and requirements Important Disclosures and Requirements 'APR is the Annual Percentage Rate Advertised rates are offered depending on the individrral's excellent and substanbal credit snd key loan charactensbcs, including but nol hmlted to amount, terln, and vehicle charactenstics A representative example of payment terms are as follows' loan amount of $20,000 vrilh an APR of 7 50% and a term of 60 months would have a monthly payment of $400 76 Advertised rates are subject to change without notice. How Auto Refinance Works Pre Qualification: Submit an application to see rf you pre qualify to refrnance your current auto loan with no rrsk Io your credrt score ~ Offer Details: We review the information you provided to determine whether you pre qualify if you pre-qualify Capital One will show you offer(s) to refinance your auto loan. Credit Application: Select the offer th*l you wanl, review the mformaion you entered and complete the credit application which will result in an inquiry posted lo your consumer credit report and may impact your credit score Finalize: Provrde your Vehicle Identrfication Number (VIN), E Srgn your contract, enter m your current lender details, and if needed, send in any supporting documenls The Capital One Customer Service team will then begin to process your appiicaaon Affer your loan has been fmalzed, you will need to provide us with Title Transfer documents that vary by state About you (the applicant): To prc qualify for refinancing, you must be in good standmg (not over limit past due, or charged off) on any other existing Capital One account You must be in good standing on your mortgage and auto loan payments. You must be at least 18 years of age to apply Applicants must have a valid physiral street address within the United States at the time of application. P O. Box addresses are nol eligible for refinanong An individual who does not have a ptiysicaf street address may use an Army Post Offme address or a Fleet Post Office address. A minimum monthly income requirement of $ 1,500 to $ 1,800 will apply depending on your credit quekf oak one. Pre qualiffication does not guarantee tiiat you wig receive financing or arty particular finariong te ms, whictt are subjecl to change based on our evaluation of the credit application and any required documents. Your offer expires 30 days after you pre-qua kfy. You may use your ofter on the exprration date tint not on any day thereafter. If your offer expires before you are ready lo refinance your vehicle, please re subnnt a pre-qualificsbon application lo check your eligibility for a new offer I/chicle Type Restrictions Capital One Auto Fmance only fmances new and used cars light trucks, minrvans and SUVs that wg be used for personal use Vehicles must be 7 years old or newer. Capital One does notrefinance Oldsmobile, Daewoo, Soab Suzukior Isuzu vehicles, commerciw vehicles motorcycles, recreational vehicles (RVs) ATVs, boats, camper vane motor homes, lemon vehicles, branded btle vehicles, 'ease buyouts or vehicles without a Veh cle Identification Number (VIN) or title issued We may determrne a vehrcl. lo be commeroal or othervrise ineligible based on the model and/or mformatton provided to us Loan Amount Restrictions Minimum loan amount is $7,500 and maximum loan amount is $40,000 Your actual loan amount will be limited based on the value of the speofio vehicle th*l you ere refrnanmng For the vehicle you went to refinance the value is based on NADA trade-in valrre The amount of this limrtalion may vary erM will be specified m your loarr package as Ihe LTV'loan-to-value) limit For example, if the value of the vehmfe that you are refinancing is $20,000, and your LTV lrmit rs 110%, then your reffinanced loan amount can bo up to $20,000 x 110% = $22,000 Auto Refinance Restnctions Capital OneAuto Fmance only refinances loansfrom otherffnancial nstitutions not ncludmg Capital Onesubsidraries Your current lenderrnust be an FDIC orhlabonal Credit Union Administration (NCUA) insured frnenmal institution Most banks, credit unions and larger auto finance companies meet this requirement You must reiinance the full payoff amount of your exist ng auto tean subiect to our minimum and maximum loan amounts We do not offer cash back refrnanang or lease buyouts We will only pay off your existrng auto loan snd will not fmance new GAP coverage to cover any cancelled coverage dus to refrnanmng Tc determrne rf your GAP pohcy terminates upon refinanc ng, consult your GAP agreement or contact your GAP provider Auto Refinance Documentation Requirements Based on the information you provided we will need some or sg of Ihe fogowinq documentebon Proof Ploof Proof Proof Vetiicl o Lr r is ' o nl income of Residence of Insurance of Employmenl e Tile Youwiffneedtosendusyourvehiclebtlcifyouresidcmonooft.hcfoao r q,tales KS,KY MID,hff lxN MO NY,OK SD Vvl Inagotherstatesvvewrgobtain the title dzectly from the slate agency whicti Isolde your vehicle title 0 Power of Attorney to Modify Velvet* Tffe In order to modify your vehicle btle to show C*prtal One Auto F nance as the ne I enholder we wiii ne 5 you to sign a kmrted Power of Attorney documer t which authonzes us to make this change at the Dep*rlmenl of Motor Vehicles (DMV) Lrfet me sav ngs clam is based on average reducbon m total lrfelme pay nants our customers xpr- .ncr sr the I fe of the loan compared to thsrr prror lfetsne payments Claim does not include customers who choose lo extend Ihe numbr.rot remaining payments on Ihwr auto loan Lifesrnr: savings may result from a lower interest rate, a shorter term or both your actual s*vrngs may be different 178 Page 1 of 3 Platinum Maateroard Account Ending in 4925 Jan. 15, 2017 - Feb. 14, 2017 I 31 days in Billing Cycle ~W!iPliiHI1sft tisratrkr Payment Due Date Mar. 11, 2017 For onlme and phone payments, the deadlme rs 8pm ET. Previous Balance Payments $ 1,690. 20 $ 170.20 New Balance $ 1,555.80 Minimum Payment Due $ 52.00 'Yylft LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a tate fee of up to $35.00. MINIMUM PAYMENT WARNING: lf you make only the minimum payment each period, you will pay more m mterest and it wril take you longer to pay off your balance. For example. Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance Credit Limit $0.00 + $0.00 + $0.00 + $0.00 + $35.80 = $1,555.80 $5,750.00 Minimum Payment $62 11 Years 3 Years $3,848 $ 2,239 Available Credit (as of Feb. 14, 2017) Cash Advance Credit Limit $4,194.20 $ 150.00 Estimated sawngs if balance is paid off rn about 3 years $ 1,609 Available Credit for Cash Advances $ 150.00 tf yon would lrke mformatron about tredrtcovnselnrg servrces, call 1-888-328-8055 J Mctrtc1gg: $0 anywller pay your biii, set up with the Capital On Account Notifications You are enrolled rn AutoPay You'e selected to pay $80.00, which wrn be debited from your bank account on your Due Date if your payment rs less than the minimum amount due, make an additional payment to meet that amount if your payment rs more than ynur current balance, we win only debit the current balance Pay or manage your account on our mobile app or at:, Customer Serwce: 1 800 903-3637 See reverse for Important Information 4'atff2ra~t~k gi~g Payment Due Date: Mar. 11, 2017 New Balance $ 1,555.80 Minimum Payment Due $ 52.00 Account Ending in 4925 Amount Enclosed Please send us this portion of your statement and only one check (or one money order) to ensure your payment rs processed promptly Allow at least seven husmess days lor deirvery I ~ ~~~ (I02 !~ ~ Manage your accounr. BllVVVhei e, ctrtty'fllTlie. Pay yuur biii, set up aieiis and inure witil tile Capital One" mobile Bpp. MELANV BASA 4400 THE ViOOPS OR APT 1724 SAN JOSE, CA 9513t.-3840 Download the free app today Capital One Bank (USA) N.A. P.O. Box H0599 City of Industry, CA 91714-05'I9 lii iilllillltl ll illlil'IIIII'I'll " Illllliili ll I lililill 1 79 4 9 2 5 1 4 1 5 5 5 8 0 0 0 8 0 0 0 0 0 5 2 0 0 0 The first day of the Billing Cycles that end in Jan., April, July, and Oct The first day of each Billing Cycle.D Pnme Rate+ margin F I monlhLIBOR+ margin How can I Avoid Membershio Fees? If a Renewal Notice is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account To avoid paying a monthly memberstsp Fee, close your account and we will stop assessing your monthly membership Fee How can I Close My Account'I You can contact Customer Service anytime to request that we close your account. How can I Avoid Paving Interest Dna~res'P If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment If you have been paying your account in full with no Interest Charges, but then you do nol pay your next New Balance in full, we will charge interest on the porbon of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information How is the Interest Shares aonlied'r Interest Charges accrue from Ihe date of the transaction or the first day of the Billing Cycle. Interest Charges accrue an every unpaid amount until it is paid in fulL This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did nol do so the previous Billing Cyde. Unpaid Interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charaeg We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do vou Calculate the Interest Charney We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we lake the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits fcr thai segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transackons which post to your purchase segment are not added lo the daily balance. 2 Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle The result is the Average Daily Balance for each segment. 3 At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily penodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges for ag segments together. The result is your total Interest Charge for Ihe Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in Ihe Interest Charge Calculation section of this Statement NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed How can mv Variable APR chanoe7 Your APRs may increase or decrease based on one of the following indices (reported in The Wall Slreef Journal ). The letter code below corresponds with the letter next Io your APRs in the interest Charge Calculation section of this statement Code next to How do we calculate your When your APR(s) will change your APR(s) APR(s)7 Index+ msrrfin P Pnme Rate+ margin L 3monthLIBOR+ margin ~ Account information: Your name and account number. ~ Dollar amount The dollar amount of the suspected error. ~ Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe il is ."mistake You must contact us within 60 days alter the error appeared on your statement. You must notify us of any potential errars in writing You may call us or notify us electronically, but iT you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are trna: ~ We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. ~ While you do nol have to pay the amount in question until we send you s notice about the outcome of our investigabon, you are responsible tor the remainder of your balance. ~ We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a wntten notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct Your Rights If You Are Dissatisfied With Your Purchase: If you are dwsatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: I) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have fully paid for the purchase if ag of the critena above are met and you are sbli dissatisfied with the purchase, contact us m wnting at Capital One, P O. Box 30285, Salt Lake City, UT 84130-0285 While we invesbgate, the same rules apply to Ihe disputed amount as discussed above After we finish our investigation, we will teil you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent 2016 Capital One. Capital One is a federally registered senrice mark ETC-0811/01/I 6 001 How do vou Process Pavments7 When you make a payment, you authonze us lo initiate an ACH or electronic payment that will be debited fram your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information fram Ihe check lo make a one-time ACH or other electronic transfer fram your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Aoolv Mv pevment7 We generally apply payments up to your Minimum Payment first to the balance with the lowest APR (including 0'/. APR), and then to balances with higher APRs. We apply any part of yourpaymenl exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Bilfino Riahts Summarv fDoes not Aoolv to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, wnte to us ab Capital One P.O. Box 30285 Sag Lake City, UT 84130-0285. In your letter, give us the following information: Ghana(Ha Ma(jinn Address? You can change your address immediately at capitalone corn or complete the information below, and return this coupon with your payment Please pnnt using blue or black ink. How do I Make Psymentsv You may make your payment in several ways; 1. Online Banking by togging into your accounL 2. Capital One Mobile Banking app for approved electronic devices, 3 Calling the telephone number sated on the front of this statement and providing the required paymeni information, 4. Sending mail payments to the address on ihe front of this statement with Ihe payment coupon or your account information. Street City .. State . Phone.. Email Zip code When will~on Credit My Payment7 For mobile, online or over Ihe phone, as of the business day we receive it, as long as it is made by 8 p.m ET ~ For mail, as of the business day we receive it, as long as it is received by 5 p m local lime at our processing center. You must send the bottom portion of this statement and your check to the payment address on the tront of this statement. Please allow at least seven (7) buwness days for mail dekvery Mailed payments received by us at any other location or payments in any other form may not be credited as of the dsy we receive them 180 C'ugufmlopje Page 2 of 3 Platinum MasterCard Account Ending in 4925 Jan. 15, 2017 - Feb. 14, 2017 I 31 days in Billing Cycle ~ 4:lese-1st ~ I '.-'-.;'"" n'll',Vis|t':m""gpss&'B@TV~ILyfodsueneddr'et'a)lee!1 tiacinmsamctiov'rf's'::,-':.','.v5 MELANY BASA d4925: Payments, Credits and Adjustments Date Description Amount ::-'5eu:::p'ore ha'so!4!'otry''oYfr!1I!!1'De''::-:'::,'-:,::-".'yv r e V Ifl j'edjl tllTIe; ' cital one waling, m gives you instant pu'rchase notifications,,AnrjyOu Can lock yogrcarcl'anytime, , Dotdntodd tjig Eejj)ca):ODD',jjlyajte+w)'7'fffoystff'ee't52ay::," ';" Feb 2 CAPITAL ONE ONLINE PYMTAuthOate 02-FEB Feb 11 CAPITAL ONE AUTOPAY PYMTAuthoate 11-JAN $90. 20 $80.00 MELANY BASA f)4925: Transactions Date Description Amount Date Description Aniount Total Fees for This Period $0.00 Interest Charge on Purchases $35.80 Interest Charge on Cash Advances Interest Charge on Other Balances Total Interest for This Period $0.00 $0 00 $35.80 Total Fees charged in 2017 $0.00 Total Interest charged in 2017 $73.63 Your Annual Percentage Rate IAPR) is the annual mterest rate an your account. Type of Balance Purchases Cash Advances Annual Percentage Balance Subject Rate(APR) to Interest Rate 2540% P $ 1,659.64 2540% p $0.00 Interest Charge $35 80 $0.00 P,L,O,F = Variable Rate See reverse of page 1 fcr details 181 201233 CaPitalorff,'ith rates as low as 2.99% APR*, see what refinancing your auto loan could do for you. Why not join the thousands of happy customers who've refinanced with Capital Ones? Our customers save an average of $2,500 over the life of their loan. How Auto Refinancing Works: 1 2 3 4 Pre-Qualify Submit an application to see if you pre-qualify to refinance your current auto loan with no risk to your credit score Offer Details We review the information and if you pre-qualify, Capital One will show you offers to refinance your auto loan Credit Application Select the offer that you want and complete your credit appltcation. This will result in an inquiry posted to your consumer credit report. Finalize Provide your VIN, E-Sign your contract, enter your current lender details, and if needed. send in any supporting documents. Soc what rofinanong your auto loan could do for you. Apply today at www.capitalone.corn/autorefi and start thinking about what you'l save for. Refinance, and you could save enough for a cruise. See what refinancing your auto loan could do for you at www.capitalone.corn/autorefi 182 See reverse side for important disclosures end requirements Important Disclosures and Requirements 'APR rs the Annual Percentage Rate Adverbsed rates are offered depending on lhe indwidusl's excellent end sub. tant al cred t snd key loan rharacterwticx, including but nol limited to amount, term, and vehicle charactedisiics A representative example of payment terms are es follows a loan amount of $20,000 with an APR of 7 50% and a term of 60 months would have o monthly payment of $400 76. Advertwcd rates sre subject Io change without notice How Auto Refinance Works Pre-Qualification: Submit an application lo see if you pre-quakfy to refinance your current auto loan with no nsk to your credkt sr ore Offer Details: We review the information you provided to determine whether you pre quakfy. If you pre qual fy Capital One will show you offer(s) to refin*nce your auto loan Credit Applicadon: Select the offer that you want, review the information you entered and complete the credit appk cation which wig result in an inquiry posted to your consumer credit report and mey impact your credit score. ~ Finalize: Provide your Vehicle Identification Number (VIN), E Srgn your contract, enter in your currenl lender details, and if needed, send in *ny suppoding documents, The Capital One Customer Service leam v/ig then begin to process your apphcation After your loan has been fin akzed. you wdl riced to provide us with Title Transfer documents that vary by state About you (the applicant): To prc qualify for refinancing, you must be in good standing (not over limit, past due, or charged off) on any othor existing Capital One account You must be rn good standing on your mortgage and auto loan payments. You must be at least 18 years of age to apply Applicants must have a valid physical street address within the United States at the orna oi appkoalion. pO. Box addresses are not eligible for refinanong An individual who does not have a phyacal street address may use an Army Post Office address or a Fleet Post Office address A minimum monthly income requirement of $ 1 500 to $ 1 800 will apply dependinq on your credit quakfmrkons. prv qualification does not guarantee It/at you will receive finanoing ur any particular financing terms, whmh are subject Io change based on our evaluation of ths wedit epphcatron and any required documents. Your offer expires 30 days after you pre-quakfy You may use your offer cn the exprralion dale but not on any day thereafter If your offer expires before you are ready to refinance your vehrcls, please re-submit a pre-qualiffication application to check your eligibility for a new offer Vehicle Type Restrictions Capital One Auto Finance only hnances new and used cars, light trucks, mrmvans and SUVs that will be used for personal use Vehicles must be 7 years old or newer Caprlel One does not refinance Oldsmobile, Daev/oo, Saab Suzuki or Isuzu vehicles, commercial vehicles, motoroyclcs, recreational vstiicles (RVs), ATVs, boats, camper vane motor homes, lemon vehicles, branded stle vehicles, 'ease buyouts or vehicles without a vehicle Identification Number (vIN) or btle issued INe may determin a vehicle to be commeraal or otherwise ineligible based on the model and/or Information provided to us Loan Amount Restnctions Minnrium loan amount rs $7 500 and maximum loan amount is $40,000. Your actual loan amount will be limited based on the value of the specific vehicle that you are rehnanmng For the vehicle you want to refinance, the value is based on NADA trade in value Th» urnount of Ibis limitation may vary and will be speafied m your luan package as the 'TV" (loan to value) lirnrl For exmriple rf Ute value of Ute vehicle that you are reffinsnmng is $20,000, and your LTV limit is 110% then your refinanced loan amount can be up to $20,000 x 110% = $22,000 Auto Refinance Restnctions Capital One Auto Finance only refinances loans from other finan mal instilutrons not ncludmg Capital One subsidianes Your current lender must be an FDIC or National credil Union Adminrslratron (NCUA) insured finanmal insotubon Most banks, credit unions and larger auto finance compames meet Ihis requirement You must refinance the fug payoff amount of your exist ng auto loan subject to our minimum and maximum loan amounts W do not ff , eh back refrnanc ng or lease buyouts We will only pay off your exwrrng auto loan and writ not finance new GAP coverage to cover any canceged coverage due to refrnenong To determine rf your GAP policy termmates upon refinanong consult your GAP agreement or contact your GAP provider Auto Reffnance Documentation Requirements Based on the information you provided, we will need some or ag of Ihe fogowmq documentaton'f of Income . Proof of Residence . Proof ofinsurencc . Proof of Employmenl . Vali cir: Tge oYouwrgnccdio endusyourvehiclebtleifyouresrdeinoneofthefogowrngstetcs KS,KY,MD,LU I'/IN MO,NY OK,SD,WI Ineg other state vvewrgobtain the title dirocuy trorn the st*le agency which holds your vehicle t tie . L rm d Pu er of Attorney to Modrfy Vehicle Tiffe o In order to modrfy your vehicle trtle to show Capital One Auto Fmance *s the new kenholder we mg nc d you to srgn a Irmrted Po ver of Attorney document whrch authonzes us to make this change at the Department of Motor Vehicles (DkiV) Lrfecme savmgs cia m s based on average reduction rn total Irfetime payments our customers expensnce over the kfe of the loan compared lo th irr pnor Irfetrr e payme Is claim does noi mclude customers who choose lo extend Ihe number of remaining paymenls on their auto loan Life rme sav ngs mav resuff from a tower interest rate, a shcrter term or both your actual savings may oe differen Cugdtuloft6.x Page 1 of 3 World Ililasteroard Account Ending in 4925 Feb 15, 2017 - Mar. 14, 2017 I 28 days m Biping Cycle II I im I I II ~ IIIII MWiHFiitl%1 I I I I I I I N Ie'ayment Due Date Apr. 11, 2017 New Balance $ 1,931.06 For ontine and phone payments, the deadline is Bpm ET. Minimum Payment Due $ 53.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35 00. MINIMUM PAYMENT WARNING: If you make only the mmimum payment each period, you will pay more in interest and it will take you longer to pay oft your balance. Foi example: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance $ 1,555. 80 - $ 172.71 $0.00 + $515.03 + $0.00 + $0.00 + $32.94 = $1,931.06 Minimum Payment, 12 Years $77 3 Years $4,982 $2,779 Estimated savings if balance is paid off in about 3 years: $2,203 Credit Limit Available Credit (as of Mar. 14, 2017) Cash Advance Credit Limit Available Credit for Cash Advances $5 750 00 $3,818.94 $ 150.00 $ 150.00 If you would like information about credit counseling services, cail 1-888 326-8055 ',Preyyous8pla b ~eundo P tt00 hrigi. Account Notifications You are enrolled in AutoPay. You'e selected to pay $80.00, which will be debited trom your bank account on your Due Date. If your payment is less than the mmimum amount due, make an additional payment to meet that amount. It your payment is more than your current balance, we will only debit the current balance. Pay or manage your account on our mobile app or at Customer Serves 1-800-903-3637 See reverse for Important Information Please send us this portioo of your statement aod only ooo check lor one oiooey orderi to Jcat fyrdffm20 7 2 ensure your payment is processed promptly Allow at least seven busmoss rlars frir dohvoryie r,noo 9 New Balance $ 1,931.06 Minimum Payment Due $ 63.00 MELANY BASA il400 THE WOODS DR APT 1724 SAN JOSE. CA 'I513I -38hn Payment Due Date: Apr. 11, 2017 Account Fnding in 4925 Amount Enclosed Pay your bill on the go. Pay your bill securely and review t"ansactions v'it'i the Capital One" mobile app. ..*3'ekt OxtlE to, 80101 to doWv0loradxthi.=,dgjjxdi!AVE: , *,,'„'-*,.',.„"-,* rhedsh'giiilf'R0$tgCoye'suorov'rapj/y;,;".-'i hfdf":i':.",t",":" Capital One Bank (USA). N.A. P.O. Box 6059'I City of Industry. CA 9171i -0599 i " lil I'III'ill'I II llilii liii ' il " illiiliiil II I I'Iillll 1 84 o 4 9 2 5 1 2 1 9 3 1 0 6 0 0 8 0 0 0 0 0 5 3 0 0 5 How can I Avoid Pavino Interest Cia~res? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we wrfi charge interest on the porbon of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may afiow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charac aoolied? Interest Charges accrue from Ihe date of the transaction or the first day of the Billing Cycle Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Inta~sr 2 We may aesess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do vou Calculate the Interest Charac? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we lake the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any paymenls and credits for that segment as of that day. The result is the daily balance for each segment However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Bifiing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add Ihe Interest Charges for ag segments together The result is your total Interest Charge for the Billing Cycle The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement NOTE: Due to rounding or a minimum Interest Charge, this caiculatron may vary slrghily from the Interest Charge actually assessed How can mv Variabte APR chanoe? Your APRs may rncrease or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement Code next to How do we calculate your When your APR(s) will change your APR(s) APR(s)? Index+ margin P Pnme Rate + margm L 3 month LIBOR + margin The first day of each Bribng CycleD Pnme Rate + margin F I month LI BOB + margrn How can I Avoid Membershio Fees? If a Renewal Notice is pnnted an this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later Ihsn 45 days after the last day rn the Bihng Cycle covered by this statement to request that we close your account To avoid paying a monthly membership Fee, close your account and we wrli stop assessing your monthly membership Fae How can I Close MY Account'? You can contact Customer Service anytime to request that we close your account ~ Account information; Your name and account number. ~ Dollar amount: The dollar amount of the suspected error. ~ Descriptio of Problem if you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may cail us or notify us electronically, but if you do we are not required to rnvesligale any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your fetter. While we investigate whether or not there has been an error, the fogowing are true. ~ We cannot by lo collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on thai amount. Bul, if we determine that we made a mistake, you wil not have to pay the amount in question or any interest or other fees related to that amount. ~ While you do not have to pay the amount in quesbon until we send you a notice about the outcome of our investigation, you are responsible for the remarnder of your balance. ~ We can apply any unpaid amount against your credrt limit INithin 90 days of our receipt of your letter, we wiif send you a wniten notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this righf, the following must be true 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have fully pard for the purchase. if ag of the cntena above are met and you are sbli dissatisfied with the purchase, contact us in writing at Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285 While vre investigate, the same rules apply to the disputed amount as discussed above Afier we finish our investigation, we will teil you our decision At that point, rf we think you owe an amount and you do not pay we may report you as delinquent 02016 Capital One Capital One is a federally registered service mark ETC.08 11/01/16 001 How do vou Process Pavments'I When you make a payment, you authonze us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process il as a check transaction, Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Aoolv Mv Pavment? We generally apply paymenis up to your Minimum Payment first to the balance with the lowest APR (rnduding 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. ~Bilgn Riahts Summarv IDoes not Aoolv to Small Business Arcounisg What To Do If You Think You Find A Mistake On Your Statement. If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Sall Lake City, UT 841 30-0285. In your fetter, give us the following information: Chanaina Mailina Address? You can change your address rmmedraialy at caprtalone corn or complete the information below, and return this coupon with your payment Please print using blue or black rnk How do I Make Pavments? You may make your payment rn several ways. I Online Banking by lagging into your account, 2. Capital One Mobile Bankrng app for approved electronrc devices; 3. Cagrng the telephone number listed on the front of this statement and provrdrng fhe requrred paymeni information; 4. Sendrng mail payments to the address on the front of thrs statement with the payment coupon or your account informabon. Street... City.. State .. Phone.. Em art Zrp code. When will vou Credrt Mv Pavment? For mobile, online or over the phone, as of the business day we receive rt, as long as rt is made by 8 p m. ET For marl, as of the business day we recewe rt, as long as rt rs received by 5 p.m local time at our processing center You must send ihe bottom portion of thrs statement and your check to the payment address on ihe front of this statement Please allow al least seven (7) business days for marl dehvery Maried payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. 185 Page 2 of 3 World MasterCard Account Ending in 4925 Feb. 15, 2017 - Ivlar. 14, 2017 I 28 days in Billing Cycle - -' js it. r'is",c'3 Dnrtajoitmentg tenses'ots iteid:. jruPrt~suctjoie'~::.;=":==4 INELANY BASA ¹4925: Payments, Credits and Adjustments Date Description Amount Type of Balance Purchases Annual Percentage Balance Subject Interest Charge Rate(APR) to Interest Rats 25 40% P $ 1,690.75 $32.94 al . Irimiri« Your Annual Percentage Rate (APR) is the annual interest rate on your account. Mar 2 CAPITAL ONE ONLINE PYMTAuthDate 02-MAR Mar 11 CAPITAL ONE AUTOPAY PYMTAuthDate 11-FEB - $92.71 - $8D 00 Cash Advances 25 40% P $0,00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. MELANY BASA ¹4925: Transactions Date Description Feb 25 IKEA EAST PALO ALTOPALO ALTOCA Feb 28 SHELL OIL 10008275009SAN JOSECA Amount $36.91 $ 54. 78 Make a statement. ,;": I ='-j Go paperless. Stop waiting for your bill to arrive ih the niaii and gc paperless todav Mar 1 Mar 5 PEETS 16202SARATOGACA BEST BUY 00001404SAN CARLOSCA $4.83 $ 163.11 Mar 5 BEST BUY 00001404SAN CARLOSCA Mar 5 TOYS R US ¹5819 QPSSAN JOSECA Mar 12 KENJI SUSHI INC.SAN JOSECA Mar 13 TRADER JOE'S ¹063 QPSSAN JOSECA MELANY BASA ¹4925r Total $ 50.00 $85.88 $96.90 $22.62 $515.03 Total Transactions for This Period $515.03 Date Description Amount Total Fees for This Period $0.00 IntdreuECtturged:,,":;.",.:;I -:,,'lh Interest Charge on Purchases Interest Charge on Cash Advances Interest Charge on Other Balances Total Interest for This Period $ 32. 94 $0 00 $0 00 $32.94 2077 Totals Yesi'cto-Date Total Fees charged in 2017 Total Interest charged in 2017 $0.00 $ 106.57 186 201241 CaPitalofte'ith no impact to your credit score, see what refinancing your auto loan could do for you. Why not join the thousands of happy customers who've refinanced with Capital Ones? Our customers save an average of $2,500'ver the life of their loan. How Auto Refinancing Works See if you pre-qualify with no impact to your credit score If pre-qualified, see how much you could save with a lower monthly payment or a lower rate If you like what you see, submit a credit application, sign online and finish up the process. Soo what refinancing your auto loan could do for you. Apply today at www.capitalone.corn/autorefi and start thinking about what you'l save for. Refinance, and You could save enough fol a CI'ulse.'ee what refinancing your auto loan could do for you at www.capitalone.corn/autorefi 187 See reverse side for intendant discinsuies and requirements Important Disclosures 'Lifetime savings claim is based on average reduction in total lifetime payments our customers experience over the life of the loan compared lo their pnor lifetime payments. Clarm does not include customers who choose to extend the number of remaining payments on their auto loan Lifetime savings may result from a lower interest rate, a shorter term or both. Your actual savings may be different. 'Save enough for a cruise savings claim is based on average payment reduction our customers experience over a year with their new loan compared to their prior yearly loan payments. Claim does not include customers who choose to reduce the number of remaining payments on their auto loan Yearly paymen1 reduction msy result from a lower interest rate, a longer term or both. Your actual savings may be differeni. HowAuto Refmsnce Works ~ PreuQuagffcaffon: Submit an application to see if you pre-qualify to refinance your current auto loan with no ffisk to your credit score ~ Offer Details: We review the information you provided to determine whether you pre-quahfy If you pre-quakfy, Capital One Ml! show you offer(s) to refinance your auto loan ~ Credit Application: Select the offer that you want, review the information you entered and complete the credit apphcation which will result rn an inquiry posted to your consumer credit report and may Impact your credit score. ~ Finalize: Provide your Vehicle Identification Number (VIN) E-Sign your contract, enter in your current lender details, and if needed, send m any supporting documents The Capital One Customer Service team will then begin to process your apphcation. After your loan has been finalized, you will need to provide us with Title Transfer documents that vary by state About you (the applicant): To pre-qua kfy for refinancing, you must be in good standing (nol over hmit, past due, or charged off) on any other existing Capital One account. You must be in good standmg on your mortgage and auto loan payments. You must be at least 18 years of age to apply Appkcants must have a vahd physical streei address within the United States at the trme of appkcatron P 0 Box addresses are not ekgtble for refinanang. An individual who does not have a physical street address may use an Army Post Office address or a Fleet Post Office address A minimum monthly income requirement of $ 1,500 to $ 1,800 will apply dependmg on your credrt qualifications. Pre-quakfication does not guarantee that you will recewe finanong or any particular fina nmng terms, which are subiect to change based on our evaluation of the credit apptrcaticn and any required documents and Requirements Loan Amount Restrictions Minimum loan amount is $7,500 and maximum loan amoun! is $40,000 Your actual loan amount will be limited based on the value of the speafic vehicle that you are refinancing. For the vehicle you want to refinance, the value is based on NADA trade-in value The amount of this limitation may vary and will be spemfied in your loan package as the "LTV" (loan- to-value) limit. For example, if the value of the vehicle that you are refinancing is $20,000, and your LTV limit is 110%, then your refinanced loan amount can be up to $20,000 x 110% = $22,000. Auto Reiinance Restrictions Capital One Auto Finance only refinances loans from other financial institutions, not including Capital One subsidianes. Your current lender must be an FDIC or National Credit Union Administration (NCUA) msured financial instiiution. Most banks, credit unions and larger auto finance companies meet this requirement You must refinance the full payoff amount of your existing auto loan subject to our minimum and maximum loan amounts. We do not ofter cash back refinancing or lease buyouts INe will only pay off your existing auto loan and will not fmance new GAP coverage to cover any cancelled coverage due to refinancing To determine if your GAP policy terminates upon refinancing, consult your GAP agreement or contact your GAP provider. Auto Refinance Documentation Requirements Based on the mformakon you provided, we will need some or all of the following documentation. ~ Proof of Income ~ Proof of Residence ~ Proof of Insurance . Proof of Employment ~ Vehicle Title o You will need to send us your vehicle title if you reside m one of the foltowmg states'S, KY, MD, Mi, MN, MO, NY, OK, SD, Wl In all other states we writ obtain the title directly fram the state agency which holds your vehicle title ~ Lrmited Power of Attorney to Modify Vehicle Title o In order to modify your vehicle title to show Capital One Auto Finance as the new lienholder we will need you to srgn a limited Power of Attorney document which authorizes us to make this change at the Department of Motor Vehicles (DMV) Notice Regarding State Title Fees Each state imposes a title transfer fee that can vary depending on the state in which you reside This fee is charged by your state, not Capital One We will pay this iee on your behalf and add it to your final loan amount Your offer expires 30 days after you pre-quakfy You may use your offer on the expiration date, but not on any day thereafter If your offer expires before you are ready to refinance your vehicle please re-submit a pre- qualification appkcaticn to check your ehgtbikty for a new offer Vehicle Type Restrictions Capital One Auto Finance only finances nexv and used cars light trucks, mmwans and SUVs that will be used for personal use Vehicles must be 7 years old or newer Products and services provided by Capital One, ~ A, Member FDIC 2017 Capital One Capital One and Capital One Auto Finance are federally registered trademarks All nghts reserved 15000 Capital One Dnve, Attn 12038-0111, Richmond Virgmia 23238 Tc contact us by mail, please use the following address Capital One Auto Finance, 7933 Preston Rd, Piano, TX 75024 Capital One does not refinance Oldsmobile Daewoo, Saab, Suzuki or Isuzu vehicles commerqal veiucles motorcycles, recreational vehicles (RVs), ATVs, boats, camper vane, motor homes lemon vehicles, branded bite vehicles, lease buyouts or vehicles vnthout a Vehicle Identification Number (VIN) or title issued We may determine a vehicle to be commermal or otherwise mekgible based on the model and/or mformstion prcwded to us Page 1 of 3 World Masteroard Account Ending in 4925 Mar. 15, 2017 - Apr. 14, 2017 I 31 days in Billing Cycle Miiii- I IDeteeu.tgLeeL- Payment Due Date May 11, 2017 New Balance $3,375.64 For online and phone payments, the deadline is Bpm ET. Minimum Payment Due $97.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00. MfNIMUM PAYMENT WARNING; If you make only the mmimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged N w Balance ~ I 1ilil lilt IA™ $ 1,931.06 - $430.00 - $ 106.80 + $ 1,919.28 + $0.00 + $0.00 + $62.10 = $3,375.84 Credit Limit Available Credit (as of Apr. 14, 2017) $5,750.00 $2,374.36 Minimum Payment 17 Years $9,606 $ 135 3 Years $4,874 Estimated savmgs if balance rs paid aff rn about 3 years: $4,732 Cash Advance Credit Limit $ 150.00 Available Credit for Cash Advances $ 150.00 tt you would lrke mtormatron about credit counseimg services, call 1-888-326-8055. A(lx ed uxsfgtattaM~;,:.;.:-„:E'r8»edg his'P- Account Notifications You are enrolled rn AutoPay. You'e selected to pay $80.00, which will be deb)&ed from your bank account on your Due Date. If your payment is less than the minimum amount due, make an additional payment to meet that amount If your payment rs mare than your current balance, we writ only debit the current balance. Pay or manage your account on our mob)le app or at w wxui) ':.:.. n . Customer Sennce. 18009033637 See reverse far Important Information Please send us thrs port)on of your statement and or)iy one check lor one money orderl to Kwassg~ff&f(QINE ensure your payment rs processed promptly Allow at least seven bus)ness days for delivery noJO95 New Balance $3,375.64 Minimum Payment Due $97. 00 MEEANY BASA rrrraa THE uIOODS DR APT 172u SAN JOSE. CA 95134-3649 Payment Due Date: May 11, 2017 Account Ending rn 4925 Amount Enclosed » N Make a statement. :--::- Go paperless. '»tr par Mrr 9 for ymrr bi'I io arnvr. n the marl and go pope ress today ',,"Laafoxirt'."txt')',:.ybur',:."Bcvcatfrlt t'aT)T»lays'ttteowtltch'"to!''ptakgqÃea'st Cepitai One Bank (USA). N.A. P.o. Box 40599 City of Industry CA 'f1714-BS'I'I I " lil I'IIIIIIIII il IIII'I llili " I " illlililll Ii I liiillll 1 89 I, 9 2 5 1 4 3 3 7 5 6 I, 0 0 8 0 0 0 0 0 9 7 0 0 1 001 How can I Avoid Pavina Interest Charaes'7 If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no tnterest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of Ihe balance that you did not pay. For Cash Advances and Special Transfers, we will stari charging interest on the transaction date. Certain promohonat offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charac aoolied'7 Interest Charges accrue from the date of the transaction or the lirst day of the Billing Cycle. Interest Charges accrue on every unpaid amount unbl it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charok? We may assess a mmimum Interest Charge of $0 50 for each Billing Cycle if your account is subject to an Interest Charge. How do vou Calculate the Interest Charac? We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The esug is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.AI the end of each Bifiing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is refened lo as the Balance Subject to interest Rate in the tnterasl Charge Calculation secbon of this Statement. NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from Ihe interest Charge actually amassed. How can mv Variable APR chanae'? Your APRs may increase or decrease based on one of the following indirzs (reported in The Wall Sfreet Journal ) The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. Code next to How do we calculate your When your APR(s) will change your APR(s) APR(s)2 index+ margin P Prime Rate v margm The first day of the Biting Cycles that L 3 month LIBOR+ margin end in Jan., April, July, and Oct D Prime Rate r margin The first day of each Billing Cycle. F 1 month LIBOR r margin How can I Avoid Membershio Fees? If a Renewal Notice is pnnted on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Bifimg Cycle covered by this statement to request that we close your account To avoid paying a monthly membership Fee, close your acorunt and we will stop assessing your monthly membership Fee How can I Close My Account? You can contact Customer Service anytime to request that we close your account ~ Account information: Your name and account number. ~ Dollar amount: The dollar amount of the suspected error. ~ Description of Problem: If you think there is an error on your bill, describe what you believe is w ong and why you believe il is a mistake. You musl contacl us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may cail us or notify us eiectronicagy, but if you do we are not required to investigate any potential em?ra and you may have to pay the amount in question. We wig notify you in wribng within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: ~ We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in quesbon or any interest or other fees related to that amount. ~ While you do not have to pay the amount in question until we send you a notive about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpard amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next statement) or Ihe reasons we believe the bifi is correct Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true; 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quakfy,and 2) You must nol yet have fully paid for the purchase If afi of the criteria above are mel and you are stilt dissatisfied with the purchase, contact us in wnting at Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we invesbgate, the same rules apply to Ihe disputed amount as discussed above. After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent 2016 Capital One Capital One is a federally registered service mark ETC-0811/01/16 How do vou Process Pavments? When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check lo make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Aoolv Mv Pavment'? We generally apply payments up to your Minimum Payment first to the balance with tha lowest APR (including 0% APR), and then to balances with higher APRs. We apply any pari of yourpayment exceedmg your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billino Riahts Summarv IDoes not Aoolv to Small Business Accountsl What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, wiite to us ali Capital One P.O. Box 30285 Sall Lake City, UT 84130-0285. In your letter, give us the following information: Chanaina Illlailina Address? You can change your address immediately at capitaione corn or complete the information below, and return this coupon with your payment Please pnnt using blue or black ink How do I Make Pavmenls? You may make your payment in several ways: I Onkne Banking by logging into your account; 2. Capital One Mobile Banking app for approved electromc devices; 3 Calling the telephone number listed on the front of this statement and providmg the required payment information, 4 Sending mail payments to the address on the front of this statement with the payment coupon or your account information. City... State Phone. Email Zip code When willyou Credit M~pa ment? ~ For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p m. ET. For mail, as of the busmess day we receive il, as long as it is recewed by 5 p.m local bme at our processing center You must send the bellum portion of this statement and your check to the payment address on the front of this statement Please allow at least seven (7) business days for mail delivery. Mailed payrrients received by us at any other location or payments in any ofher form may not be credited as of the day we receive them 190 CuE¹$MfMgf@ Page 2 of 3 World MaaterCard Account Ending in 4925 Mar. 15, 2017 - Apr. 14, 2017 I 31 days in Binmg Cycle IbM !:".-: .-;4¹!VisI't'i~e'n'pji; io'II'e::'4'~r'Im'to s'ee 'd'etniiead,'tran's'e'ct'joitb,'='-; "4 MELANY BASA ¹4925: Payments, Credits and Adjustments Date Description Amount Date fFTti ~ n ~ n t e Description Amount Apr 1 SAFEWAY STORE00003160SAN JOSECA $32.09 Apr 2 SAFEWAY STORE00003160SAN JOSECA $29.71 Mar 18 TOYS R US 45819 QPSSAN JOSECA Mar 21 CAPITAL ONE ONLINE PYMTAuthDate 21-MAR - $150.00 Apr 2 SEAFOOD CITY MARKETMILPITASCA Apr 3 WHOLEFDS BLL 10320SAN JOSECA Apr 6 PEETS 16202SARATOGACA $ 19.20 $24.00 $4.80 Mar 24 ROSS STORES II1432SAN JOSECA Apr 3 CREDIT CASH BACK REWARD Apr 6 CAPITAL ONE ONLINE PYlvlTAuthDate 06-APR Apr 11 CAPITAL ONE AUTOPAY PYMTAuthDate 11-MAR - $43.49 - $24.17 - $ 200 00 - $80.00 Apr 6 CVS/PHARMACY ¹09808SAN JOSECA $ 18.88 Apr 7 STATE FARM INSURANCE08009566310IL Ap( 8 SAFEWAY STORE00003160SAN JOSECA Apr 8 LION FOOD CENTER ¹9SAN JOSECA Apr 9 BATH & BODY WORKS 0640SAN JOSECA $209.27 $91.60 $52.92 $47.73 Apr 6 TAIWAN TASTESARATOGACA $34.85 MELANY BASA ¹4925: Transactions Apr 9 LUSH OAKR IDGE (417)SAN JOSECA $97» I Date Description Amount Apr 10 CVS/PHARMACY ¹09834SARATOGACA $ 7.56 Mar 14 PEETS 16202SARATOGACA Mar 17 YARD HOUSE 83300083303SAN JOSECA Mar 18 SAFEWAY STORE 00029009SAN JOSECA Mar 18 SAFEWAY FUEL 10029007SAN JOSECA Mar 18 WARBY PARKER8884927297NY Mar 18 IN-N-OUT BURGER ¹142SAN JOSECA Mar 18 FUZ BAR AND GRILLSAN JOSECA Mar 18 STATE FARMBOO-956 6310IL $9.91 $ 106.45 $ 3.99 $ 50. 79 $ 76.00 $ 6.47 $ 77.00 $ 10.83 Mar 18 SP2 COMMUNAL BAR + RESSAN JOSECA $ 102.00 Apr 10 TRADER JOE'S 4063 QPSSAN JOSECA Apr 10 BASK IN ¹360134 035SAN JOSECA Apr 11 PEETS 16202SARATOGACA Apr 12 SHELL Oil 10008275009SAN JOSECA MELANY BASA ¹4925: Total Total Transactions for This Period Date Description $ 21.83 $34 99 $4.75 $ 55 09 $ 1,919.29 $ 1,919.28 Amount Mar 18 ROSS STORES ¹1432SAN JOSECA Mar 21 CA FRANCHISE TAX BOARDBOO-4874567CA Mar 21 DPC CA FRANCHISE TAX 8800 4874567AL Mar 21 PEETS 1620?SARA IOCACA Mar 22 PEETS 16202SARATOGACA Mar 22 SAFEWAY STORE00003160SAN JOSECA Mar 23 PEETS 16?0?SARATOGACA $ 128.23 $356.15 Total Fees for This Period $5,80 $ 5 75 Interest Charge on Cash Advances Interest Charge on Other Balances Total Interest for This Period $ 16 77 $ 5 30 jnyerenvt "Char'ged" $8.19 Interest Charge on Purchases $0.00 $62.10 $0.00 $0 00 $62.10 Mar 24 MCDONALD'S F25758EASI PALO ALTCA Mar 26 Mar 27 Mar 27 IN N OUT BURGER 142SAN JOSECA PEETS 16202SARATOGACA SHELL OIL 10008275009SAN JOSECA Mar 29 SAFEWAY STORE00009191SARATOGACA Mar 30 TAIWAN TASTESARATOGACA Mar 30 ROSS STORES ¹10SAN JOSECA I'nar 31 MANDARIN GOURMETSAN JOSECA $ 13.28 $20.77 $8 00 $ 53.93 $47.22 $8.15 $ 58.17 $ 41.15 '-4,"-',-, 201 7„Totgi 4, Year-to-Date Total Fees charged in 2017 Total Interest charged in 2017 Additional Information on the back of Ibis page $0.00 $ 168.67 191 Page 3 of 3 World MaaterCard Account Ending in 4925 Mar. 15, 2017 - Apr 14, 2017 I 31 days in Billing Cycle pa - . KHeWKKe%lWIF(ttttsnnl~ Your Annual Percentage Rate (APRj is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge Rate(APR) to interest Rate Purchases Cash Advances 25.65% P 25.65% P $2,850.64 $62. 10 $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. yoooar i i ( et the app designed to save time. Ei'fortlessly manage your account on the go vvith , the Capital one mobile app. 192 Page I of 4 World Maeteroerd Account Ending in 4925 Apr. 15, 2017 - May 14, 2017 I 30 days in Brliing Cycle Payment Due Date Jun. 11, 2017 For online and phone payments, the deadlme rs Bpm ET. New Balance $4,372.38 Mimmum Payment Due $ 129.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the mmimum payment each period, you will pay more m interest and rt will take you longer to pay off your balance. For exampie: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance ~ka 'tltiiliiiMA~ $3,375.64 $519.00 - $27.92 + $ 1,459.83 + $0.00 + $0.00 + $83.83 = $4,372.38 Minimum Payment 19 Years gary rn $ 12,758 Credit Limit Available Credit ias of May 14, 2017) Cash Advance Credit Limit $5,750.00 $ 1,377 62 $ 150.00 $ 175 3 Years $6,313 Estimated savings rf balance rs pard off m about 3 years: $6,445 Available Credit for Cash Advances $ 150.00 if you would kke informatron about credrt counsekng servrces, call 1-888-326-8555 "'' 'Io psreyiouss'Bnafav %4~~, $ ;9$ t"-,a:,''1:I7,,:;:;-".:-:;;& Account Not if ic8t ion s j Renewal Notice - Both sides of this page provide important r ~ formation about your ratels) and how your interest charge rs calculated. You are enrolled rn AutoPay. You'e selected to pay $80.00, which will be debited from your bank account on your Due Date. If your payment rs less than the mrmmum amount due, make an additional payment to meet that amount. If your payment rs more than your current balance, we wrli only debit the current balance. Pay or manage your account on our mobile app or at;; Customer Serwce 1-800-903-3637 See reverse for Important Information rg Mrffdrfrf~lg~yi* Please send vs thrs portion of your statement and onlr ane check (or one money orrler) to ensure your payment rs processed promptly Agon at least seven buuness days for delrvery Anoose New Balance $4,372.38 Minimum Payment Due $ 129.00 MELANY BASA uvee THE klOODS DR APT 1724 SAN JOSE CA 95134-3840 Payment Due Date: Iun. I I, 2017 Account Ending in 4925 Amount Enclosed Pay your bill on the go. Poy your brli securely and r evrew t.ansactrons wits the Capital One'mobrie app ","-'i~;; Text:OtgE to@O1'Dtitro ciiii'ii Drda'4Wqip'-'=a&.'('1 . [*,*~~i;";.;-".,'RMbdieihr@dk'lgatbnrafvs pp)'appfg 98+4,-~9 ke Capital One Bank (USA), N.A. P.O. Box 40599 City of Industry. CA 917li -05'I'I I " III'IIIIIIIIIII'll'Illlil'IIIII'I'll " Illllliili'll'I'IIIIIIII -4 9 2 5 1 4 4 3 7 2 3 8 0 0 8 0 0 0 0 1 2 9 0 0 7 1 93 Code nextto your APR(s) P L How do we calculate your APR(s)7 index + margin Pnme Rate + margin 3 month LIBOR+ margin Prrme Rate+ margrn I month LIBOR+ margin When your APR(s) will change The first day of the Billing Cycles that end rn Jan., April, July, and Oct. i The first day of each Brgrng Cycle. How can I Avoid Membershio Fees? If a Renewal Notice rs pnnted on this statement, you may avoid paying an annual membershrp Fee by contactrng Customer Service no later than 45 days after the last day rn the Brgrng Cycle covered by this statement to request that we close your account. To avord paying a monthly membershrp Fee, close your account and we will stop assessrng your monthly membershrp Fee. How can I Close My Account? You can contact Customer Senrrce anytrme to request that we close your account How can I Avoid Pavino Interest Charaes? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions thai post fo the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date, Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charac aoglied? Interest Charges accrue from the date of the transactron or the first day of Ihe Billing Cycle. Interest Charges accrue on every unpaid amount until il is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Bi8ing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do vau assess a Minimum Interest Charac? We may assess a minimum Interesl Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do vou Calculate the Interest Charac'? We use a method caged Average Daily Balance (including new transactions). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract tmy payments and credits for thai segment "" cf thol day. Th result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we mulbply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by ihe number of days rn the Brlkng Cycle. We add the Interest Charges for all segments together. 1 he result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the interest Charge Calcuiatron section of this Statement NOTE. Due to rounding or a minrmum Inferest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can m» Variable APR cha~ne7 Your APRs may increase or decrease based on one of the following indices (reponed in The Wail Street Journal ). The letter code below corresponds with the letter next to your APRs rn the interest Charge Caicuiatron section of this statement 001 How do vou Process Pavments'I When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related accounL When you provide a check or check information to make a paymenl, you authonze us to use informabon from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Aoolv Mv Paymmen 7 We generally apply payments up to your Minimum Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Bigina Riahts Summarv IDoes not Aoolv to Small Business Accountsl What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at; Capital Ona P.O. Box 30285 Salt Lake City, UT 841 30-0285 In your letter, give us Ihe following information: ~ Account information: Your name and account number. ~ Dollar amount The dollar amount of the suspected error. ~ Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and vrhy you believe il is " mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing You may cali us or notify us eiectronicagy, bul rf you do we are not required to investigate any potential errom and you may have io pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true ~ We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you vrig not have to pay the amount in question or any interest or other fees related to that amount ~ While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remarnder of your balance. ~ Vie can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a wntten notice expiarnrng either that we corrected the error (to appear an your next statement) or the reasons we believe the bill is correct Your Rights If You Are Dissatisfied With Your Purchase: if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right noi to pay the remaining amount due on the purchase. To use this nght, ihe following must be true: 1) You must have used your credkt card for ihe purchase. Purchases made with cash advances fiom an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have fully paid for the purchase If ag of the cnteria above are met and you are sill drssabsfied with the purchase, contact us in writing at; Capital One, P.O Box 30285, Salt Lake Crly, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above After we finrsh our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as deknquent ETC-08 2016 Capital One. Capital One is a federally registered service mark 11/01/16 Chanrjin($ j(jjailina Address? You can change your address rmmedrately at capitalone corn or complete the informatron below, and return ibis coupon with your payment Please pnnt using blue or black rnk. How do I Make Payments? You may make your payment m several ways 1 Online Banking by loggrng rnto your account, 2 Caprtal One Mobile Banking app for approved electronrc devrces, 3. Calling the telephone number listed on ihe front of this statement and provrdrng the requrred payment information; 4 Sendrng mari payments to ihe address on the front of this statement with the payment coupon or your account information. Street .. Crty... State ... Phone.. Email Zrp code When will vou Credit Mv Pavment? For mobile, online or over the phone, as of the busrness day we recerve it, as long as it is made by 8 p m. ET For marl, as of the busfness day we receive rt, as long as it is received by 5 p m local trme at our processing center You must send the bottom portion of this statement and your check to the payment address on the front of thrs statement Please allow al least seven (7) busrness days for marl delivery Mailed payments recerved by us at any other locatron or payments rn any other form may not be credited as of the day we receive them 194 C'm~gtal~ Page 2 of 4 World MasterCard Account Ending in 4925 Apr. 15, 2017- May 14, 2017 I 30 days in Billing Cycle Apr 18 CAPITAL ONE ONLINE PYMTAuthDate 18-APR - $ 150.00 lKTii%iWsh 3:;~',;,,::."LtItsit'-.'Y~vicatjBajw@to~mto!'aee"'djetotpedjtrafts'ac, MELANY BASA f/4925: Payments, Credits and Adjustments Date Description Amount Date Description . om~urrerm¹llmm Amount Apr 30 SAFEWAY STORE00003160SAN JOSECA $49.01 May 2 SAFEWAY STORE00009191SARATOGACA $21.32 May 3 HUBBLE CONTACTS8444822531NY $3.00 May 3 EUROPEAN WAX CENTERSAN JOSECA $ 126. 50 Apr 19 CAPITAL ONE ONLINE PYMTAuthDate 19-APR - $ 109.00 May 4 SEPHORA 144SAN JOSECA $59.00 May 4 CAPITAL ONE MOBILE PYMTAuthDate 04-MAY May 8 CREDIT-CASH BACK REWARD May 11 CAPITAL ONE AUTOPAY PYMTAuthDate 11-APR MELANY BASA ¹4925: Transactions Date Description Apr 14 Ml PUEBLO PALO ALTOPALO ALTOCA - $ 180.00 - $ 27.92 - $80.0Q Amount $20 14 May 5 BEAUTY AVENUESAN JOSECA May 6 WALGREENS ¹2739SAN JOSECA May 6 LUCKY ¹765 SAN JOSESAN JOSECA May 7 H&M ¹194SAN JOSECA $ 11.97 $ 11.79 $ 15 01 $30.67 May 7 MARSHALLS ¹1252SAN JOSECA $ 12.00 May 7 ULTA ¹796SAN JQSECA $35.98 May 4 0049 FOREVER 21SAN JOSECA $44.26 May 5 AMOR CAFE AND TEASAN JOSECA $3.99 May 5 LUCKY ¹758 SAN JOSESAN JOSECA $24.44 Apr 14 Apr 14 Apr 15 SAFEWAY STORE00003160SAN JOSECA IKEA EAST PALO ALTQPALO ALTOCA SALLY BEAUTY ¹3293GILROYCA Apr 15 BED BATH & BEYOND ¹608GILROYCA Apr 15 ROSS STORES ¹740GILROYCA Apr 15 Sushi OmakaseGilroyCA $46.07 $7 08 $ 19/46 $2.16 $ 13.06 $78 18 May 10 76 CAPITAL SNELL 76SAN JOSECA May 10 SAFEWAY STORE00003160SAN JOSECA May 11 AMAZON MKTPLACE PMTSAMZN.COM/BILLWA May 11 TRADER JOE'5 4073 QPSCAMPBELLCA MELANY BASA ¹4925: Total $ 55.77 $67.29 $48.06 $ 26. 53 $1,459.83 Apr 19 CENTURY THEATRES 477SAN JOSECA Apr 19 SUSHI HEAVENSARATOGACA Apr 19 PEETS 16202SARATOGACA $4.00 $ 12 54 $4. 70 Apr 17 PG&E/EZ-PAYBOO 743-5000CA $219.35 Apr 18 SAFEWAY STORE00009191SARATOGACA $ 16.77 Total Fees for This Period $0.00 Total Transactions for This Period $ 1,458.83 Date Description Amount Apr 19 WESTGATE CAR WASHSARATOGACA Apr 21 PANDA EXPRESS ¹719SAN JOSECA Apr 22 LOWES 401756*SAN JOSECA $ 15.99 $ 18.67 $26 15 - Inleredt Charged:''::;.,: 2:-;,-,-.'-'.=.= i'":-'-:,':::::."'g Interest Charge on Purchases $83.83 Apr 22 BEVERAGES & MORE ¹105SAN JOSECA Apr 23 SAFEWAY FUEL 10029007SAN JOSECA Apr 23 LOVE CULTURE 87SAN JQSECA Apr 25 ULTA ¹ 492SAN JOSECA Apr 25 TACO BFLL 30794SAN JOSECA Apr 27 SQU*SQ "¹1 CHINESE KITSan JoseCA Apr 28 SAFEWAY STORE00003160SAN JOSECA Apr 29 SAFEWAY STORE00003160SAN JQSECA Apr 29 JOHNS INCREDIBLE PIZZANEWARKCA $65 53 $47.11 $45 77 $23.44 $5 67 $20.76 $38.71 $24 78 $25.00 Interest Charge on Cash Advances Interest Cliarge on Other Balances Tetal Interest for This Period 2017- Tqtd le.Year-to.Date Total Fees charged in 2017 Total Interest charged in 2017 $0.00 $0 00 $83.83 $0.00 $252.50 Apr 29 YA-UA YOGURT & PASTRIEBFLMONTCA $ 12.15 Additional Information on the back of this page 195 Page 3 of 4 World MaaterCard Account Ending in 4925 Apr. 15, 2017 - May 14, 2017 I 30 days in Billing Cycle ~~R IBAD iK03'iiKBFl WIFE a fr) a Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge Rate(APR) to Interest Rate Purchases Cash Advances 25.65% P 25 65% P $3,976.63 $0.00 $83. 83 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details 3OOO83 ~ 4 ~~ ~~ ~ ~~ ~ ~ ~~ ~ ~ ~~ ~~~~~ ~ ~ ~~~~~~~~~~~~~ ~~~~~~~~~~~ ~ ~ ~ ~~ ~~~~ ~ ~ ~ ~~ ~ ! ~ Make a statement. :. I Go pape(.less. Stop waiting for your hill to arrive in the mail end go paperless today. .17--jt~tofj+~ag g~i,3)t'@)tt'0';tfqk&i/&e~8$'@i:P4! 196 201243 Capitalorfe'ake $ 1,000 off Mortgage Closing Costs Exclusive offer for Quicksilver customers. MELANY BASA, To thank you for your loyalty as a Quicksilver customer, wdve got this money-saving offer just for you: Take 51,000 off closing costs when you purchase your next home or refinance your mortgage with Capital One Home Loans. You'l have a dedicated loan officer by your side from application through closing and online tools that make it easy to track your progress. Best of all, you can pre-qualify in minutes with no impact to your credit score. Get started and we'l help you bring home the savings. Just call 1-855-447-4418 today and mention promo code Quicksilver. Getting started is fast and easy. Call 1-855-447-441 8. Monday-Friday 8 a.m - 10 p.m ET Saturday 9 a.m.-6 p.m. ET Mention promo code Quicksilver to your mortgage loan officer. 03 Get a competitive rate wilh nn impact to your credit score. Call 1-855-447-4418 to get started today. Simply Smarter Home Loans™ Capital One, N.A., will pay cfosing costs up to $ 1,000. Certain restrictions apply Promotion may not he used toward points, per diem interest or tax deductible fee:, such as property taxes and pnvate mortgage insurance (PMI). Any portion of the promotional amount not used toward closing cost"., will be forfeited. Promotion may be limited hy investor(insurer guidelines for each loan type. Advertised discount not available on home equity loans or home equity fines of credit Tliis offer is non-transferable and cannot be combined with any other offer. Advertised discount availabk onlY on applications submitted to a Capital One loan officer by phone between May 1, 2017 and June 30, 2017. The Secure and Fair Enforcement for Mortgage Licensmg Act of 2008 (SAI F Act) ri cluires all mortgage loan originators to he registeied in the Nationwide Mortgage I icensing System and Registry (NMLS). Mortgage loan originators and their N lvlLS IDs can he looked up on the NMI S Consumer Access(SMI website. Not all loan products or terms available in all states. Rates, fees and othe& terms subiect to change without notrce, Loans are subiect to credit and property approvai. Normal credrt qualification and other terms and conditions apply. If approved, your terms may vary based upon your specific situation. This does not represent a commitment to lend. Pre qualification provides you with an estimate of how much you can borrow to purchase a horne, based on our preliminary review of credit information, Property insurance is required, including flood insurance where applicable Refinancing to pay off existing debt may extend the term of the debt and increase the total amount paid when compared to your current situation. Pioducts and servicr.s nffered hy Capital One, N.A, NMLS ID r153156, Equal Housing Lender LENDER 2017 Capital One. Capital One is a federally registered servic mark All ri: his res rved 198 Page 1 of 4 World Maateroard Account Ending in 4925 May 15, 2017 - Jun. 14, 2017 I 31 days in Billing Cycle I Nihil s M. ~ 1 Payment Due Date Jul. 11, 2017 New Balance $5,025.31 For onhne and phone payments, the deadline is Bpm ET. Minimum Payment Due $ 156.00 LATE PAYMENT WARNING: If we do not receive your mmimum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYAAENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance $4,372. 38 $880.00 $0.00 t $ 1,428.38 + $0.00 + $0.00 + $ 104.55 = $5,025.3i Mimmum Payment $202 20 Years 3 Years $ 14,820 $ 7,255 Estimated savings if balance is paid off m about 3 years: $7,565 Credit Limit Available Credit (as of Jun. 14, 2017) Cash Advance Credit Limit Available Credit for Cash Advances $5,750.00 $724.59 $ 150.00 $ 150.00 It yeu would like information about credit counsekng services. call 1-888-326-8055 f)siurjtfjj'ju'u'rr f ,Atifis; Dt00 PerTOxd Account Notifications You are enrolled in AutoPay You'e selected to pay $80 00, which will be debited from your bank account on your Due Date. If your payment is less than the mmimum amount due, make an additional payment to meet that amount. If your payment is more than your current balance, we will only debit the mirrent balance. Pay or manage your account on our mobile app or at;"....:. p":. Customer Serwce. 1-800-903-3637 See reverse for important Intormation Please send us this pe Mien of your statement and only one okeclr for one money order) to ft„altdliff&gg 2 ensure your payment is processeii promptly iuluw st least seven Outmost days for rieirveryI 78 Anooss New Balance $5,025.31 Minimum Payment Due $ 156.00 MELANY BASA VVBB THE IriOODS DR APT 1729 SAN JOSE. CA 9513I-BBSB Payment Due Date; iul. 11, 2017 Account Ending in 4925 Amount Enclosed ,„Make a statement LO '1'o PBPel less. stop waitir ri for ymir bill to arrive in the mail Bnd go paper css tnriay '„I ~dnxÃlwjyotfr B'c'ccifn t tofu'Bkcttyre 'sw'it'cihcltoj 'patfeSrtexe's. Capital One Bank IUSA). N.A. PE 0 Box 50599 City of Industry CA 91716-0599 I " lii I'lllilllil II iillii illl ' ' " Illiil » il II I I'Iillll 1 99 7 9 2 5 1 I 5 0 2 5 3 1 0 0 8 0 0 0 0 1 5 6 0 0 8 001 How can I A~void Pa ing Interest Char~esz If you pay your statement's New Balance m full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in fug with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may aifow you to pay less than ihe total New Balance and avoid paying Interest Charges on new purchases. Please refer Io Ihe front of your statement for additional information. How is the Interest Charac ann?red? Interest Charges accrue from Ihs date of the transaction or ths lirst day of Ihe Bilirng Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did nol do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account Do vou assess a Minimum Interest Charac'? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle rf your account is subject lo an Interest Charge. How do vou Calculate the Interest Charac? We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we lake the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. )hen we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous siatemeni balance was zero or a credit amount, new transactions which post to your purchase segment are not added lo the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days rn the Brlling Cycle The result is the Average Daily Balance for each segment. 3.At the end of each Biilrng Cycle, we multiply your Average Daily Balance for each segment by Ihe daily periodic rate (APR divided by 365) for thai segment, and then we multiply Ihe result by the number of days in the Billing Cycle. We add the Interest Charges for ail segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance rs refened to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement NOTE. Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can mv Variable APR ch~an e'? Your APRs may increase or decrease based on one of the following indices (reported rn The Wail Sfresf Journal ). The letter code below corresponds with the letter next to your APRs rn the Interest Charge Calculation section of this statement Code next to How do we calculate your When your APR(s) will change your APR(s) APR(sJ'? Index+ margin P Prime Rate + margin L 3 month LIBOR + margin D Pnme Rate + margin The first day of each Billing Cycle F [ I month LIBOR+ margin How can I Avoid Membershio Fees7 If a Renewal Notice rs printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day rn the Billing Cycle covered by this statement to request that we close your account To avord paying a monthly membership Fee, close your account and we wra stop assessing your monthly membership Fee How can I Close Mv Account2 You can contact Customer Sewice anytime to request that we close your account. How do vou Process Pavments? When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account We may also process rt as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment, How do vou Aoolv Mv Pavment'? We generally apply payments up to your Minimum Payment first to Ihe balance with the lowest APR (rncluding 0'/. APR), and then to balances with higher APRs. We apply any part of you payment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billina Riahts Summarv IDoes not Aoolv to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, wrife to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: ~ Account information: Your name and account number. ~ Dollar amount: The dollar amount of the suspected error. ~ Description of Problem: if you think there is an error on your bill, descnbe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after ihe error appeared on your statemenl. You must notify us of any potential errors in wnting. You may cali us or notify us eiectronicagy, bui if you do we are not required to rnvesbgate any potential errors and you may have to pay the amount in question. We will notizy you in writing within 30 days of our receip! of your letter. While we investigate whether or not there has been an error, the following are true: ~ We cannot Iry to collect the amount rn question, or report you as delinquent on that amouni. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, ry we determine that we made a mistake, you will not have lo pay Ihe amount in question or any interest or other fees related to that amount. ~ While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit limit Within 90 days of our receipt of your letter, we will send you a wntten notice expiarning either that we corrected the error (to appear on your next statement) or the reasons we believe the bill Is correct Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, ihe following must be true I) You must have used your credit card for the purchase Purchases made with cash advances from an ATM or wrih a check that accesses your credit card account do not qualify, and 2) You must not yet have fully pard for the purchase if ag of the criteria above are met and you are still drssatisfied vrrth the purchase, contact us in writing at. Capital One, P 0 Box 30285, Salt Lake City, UT 84130-0285 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our dewsron Ai that point, rf vre think you owe an amount and you do not pay we may report you as delinquent ETC-08 qr 2016 Capital One Caprtal One rs a federally registered service mark 11/01/16 Chan()inn Mailin() Address? You can change your address rmmedralely at capitalone corn or complete the rnformatron below, and return this coupon with your payment Please print using blue or black rnk. How do I Make Pavmentsv You may make your payment in several ways. Online Banking by logging into your account, 2. Capital One Mobrie Bankrng app for approved eiectronrc devices, 3 Ceiling the telephone number lrsted on the front ofthrsstatement and provrdrng the requrred payment reformation, 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account rnfonnation Street City ... State .... Phone. E marl Zip code When will you Credit MY Payment'? ~ For mobile, onlme or over the phone, as of the business day we receive it, as long as it is made by 8 p m. ET. For marl, as of the business day we receive rt, as tong as rt is received by 5 p m. local time at our processrng center You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least severr (7) business days for marl dekvery. Marled payments received by us al any other location or paymenis rn any other form may not be credrted as of the day we recerve them. 200 Page 2 of 4 World MasterCard Account Ending in 4925 May 15, 2017- Jun. 14, 2017 I 31 days in Bining Cycle Jun 6 CAPITAL ONE MOBILE PYMTAuthDate 06-JUN Jun ll CAPITAL ONE AUTOPAY PYMTAuthDate 11-MAY - $350.00 - $80.00 a ¹" I S LY: 1st ¹ 1st 11. MELANY BASA ¹4925: Payments, Credits and Adjustments Date Description amount May 18 CAPITAL ONE ONLINE PYMTAuthDate - $250.00 18-MAY May 25 CAPITAL ONE MOBILE PYMTAuthDate - $ 200 00 25-MAY ~ ¹-'1 el¹ntsa Plit'KIPiitlgrtti Total Fees for This Period Interest Charge on Purchases interest Charge an Cash Advances interest Charge on Other Balances Total Interest for This Period amount $0.00 $ 104.55 $0.00 $0.00 $ 104.55 MEi.ANY BASA ¹49253 Transactions -:::.iiiiii'pm!-mi~ Total Fees charged in 2017 $0.00 Date May 12 May 13 Description GEN KOREAN BBQ HOUSAN JOSECA PHILS FISH MKT & EATMOSS LANDINGCA Amount $ 142.55 $92.45 Total interest charged in 2017 $357.05 ,-=m May 17 May 19 May 19 WM SUPERCENTER ¹5884SAN JOSECA HUBBLE CONTACTS8444822531NY SEPHORA 144SAN JOSECA $65.25 $33.00 $79 01 Type of Balance Annual Percentage Balance Subject Interest Charge Rate(APRI to Interest Rate Your Annual Percentage Rate (APRI is the annualmterest rate on your account. May 19 May 22 LION FOOD CENTFR ¹9SAN JOSECA $9.72 STATE OF CALIF DMV INT800-7770133CA $ 207.00 Purchases 25.65% P $4,799.54 $ 104. 55 $0.00Cash Advances 25.65% P $0 00 May 26 SHELL OIL 10008292004SAN JOSECA $64.63 May 28 SEAFOOD CITY MARKETMILPITASCA May 29 SEAFOOD CITY MARKETMILPITASCA Jun 2 Amazon.comAMZN.COM/BILLWA $ 21 16 $ 62 42 $ 38 23 Jun 4 SALLY BEAUTY ¹1582SAN JOSECA $ 10.91 Jun 3 EUROPEAN WAX CENTERSAN JOSECA $ 121.50 Jun 4 TJ MAXX ¹834SAN JOSECA $ 55. 10 P,L,D,F = Venable Rate. See reverse of page 1 for details. souoas m Protect your credit score. Detect fi aud with automatic alen'f your medi(: report changes ivilh i. red IWmn' hiiilr vglil intnihn ( aiinal One'obil, app ,:,: Text,ONPE tn"80101!tp doiw'orAa'd.tvhe app:,Messagving &'Dgt¹7!aje$¹mptraffprrppllyv!i, Jun 4 Jun 4 0049 FOREVER 21SAN JOSECA NAIL ARTSAN JOSECA $69 17 $30.00 Jun 5 SUNFISH POKE BARSAN JOSECA Jun 5 PEETS 16202SARAIOGACA Jun 6 WESTGATE CAR WASHSARATOGACA $ 12.56 $ 9.93 $ 12.99 Jun 7 Jun 7 Jun 8 TM 'RL GRIME415-421 8497CA MCDONALD'S F26023SAN JOSECA PEETS 16202SARATOGACA $ 204 80 $5.89 $4.70 Jun 10 PEARL RIVER RESTAURANTSAN JOSECA MELANY BASA ¹4925i Total $ 75 41 $ 1,428.38 Total Transactions for This Period $ 1,428.38 201 201243 CaPitalorff. Take $ 1,000 off Mortgage Closing Costs Exclusive offer for Quicksilver customers. MELANY BASA, To thank you for your loyalty as a Quicksilver customer, we'e got this money-saving offer just for you: Take $ 1,000 off closing costs when you purchase your next home or refinance your mortgage with Capital One Home Loans. You'l have a dedicated loan officer by your side from application through closing and online tools that make it easy to track your progress. Best of all, you can pre-qualify in minutes with no impact to your credit score. Get started and we'l help you bring home the savings. Just call 1-855-447-4418 today and mention promo code Quicksilver. Getting started is fast and easy. Call 1-855-447-4418. Monday-Fnday 8 a.m - 10 p.m. ET Saturday 9 a m - 6 p m. ET Mention promo code Quicksilver to your mortgage loan officer. 03 Get a competitive rate with no impact to your credit score. Call 1-855-447-4418 to get started today. Simply Smarter Horne Loans" 202 Capital One, N.A, will pay closing costs up to $ 1,000. Certain restrictions apply. Promotion may not be used toward points, pcr diem interest or tax deductible fees, such as pioperty taxes and pnvate mortgage insurance IPMI) Any portion of the promotional amount not used toward closing costs will be forfeited. Promotion may be limited by investorhnsurer guidelines for each loan type Advertised discount not avaitable on home equity loans or home equity lines of credit This offer is non transferable and cannot be combined with anY other offer. Advertised discount availabla only on applications submitted to a Capital One loan officer by pfione between June 1, 2017 and July 31, 2017. The Sec ill'P and Fair Enforcement for Mortgage Licensinp Act of 2008 (SAFE Act) requires all mortpage loan oripinators to he registererl in the Natinnwide Mortgage I icensing System and Registry (N MLS). Mortgage loan originatois and their NIYILS 10s can be looked up on the NMI S Consumer Access(SM) website Not all loan produi:ts or terms available in all states. Rates, fees and other terms sublect to clmnge without notice Loans are subiect to credit and property approval. Normal credit qualification and other terms and conditioris apply. If approved, your terms may vary based upon your specific situation. This does noi represent a commitment to lend. Pre-qualification provides you with an estimate of how much you can borrow to purchase a home, based on our preliminary review of credit information. Property insurance is required, including flood insurance where applicable. Refinancing to pay off existing debt may extend the term of the debt and increase the total amount paid when compared to C'-..t your current situation. Products and serwces ofh red by Capit~l One, N.A, NMLS IO 453) 56, F qual Housing Lender LE)voER 2017 Capital One. Capita I One is a federally registered service mark. Ail rights reserved. 203 Page 1 of 2 World Masteroard Account Ending in 4925 Jun. 15, 2017 - Jul. 14, 2017 I 30 days m Billing Cycle =~-~«- i 1fi1rsiri'Ailgfi» ~ i Payment Due Date Aug. 11, 2017 New Balance $4,844.37 For online and phone payments, the deadline is Spm ET. Minimum Payment Due $ 152.00 LATE PAYMENT WARNING: if we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00. Prewous Balance $5,025.31 Other Credits Transactions Cash Advances Fees Charged - $26.56 + $121.50 + $0.00 + $0.00 Payments - $380.00 MINIMUM PAYMENT WARNING: If you make only the mmimum payment each period, you will pay more rn interest and it will take you longer to pay off your balance. For example. Interest Charged New Balance + $ 104.12 = $4,844.37 Mmimum Payment 20 Years $ 14,340 Credit Limit Available Credit (as of Jul. 14, 2017) Cash Advance Credit Limit $5,750.00 $905.63 $ 150.00 $ 195 3 Years $7,017 Estimated savings ii balance is pard off rn about 3 years: $7,323 Available Credit for Cash Advances $ 150.00 0 you would like rnformatron about credit counsehng services, call I 888-328-8055 =-,"-"Plpvious Balan'ce:,: "....Earned::/hi'speriolf tt A Avi Account Notifications You are emoBed in AutoPay You'e selected to pay $80.00, which will be debited from your bank account on your Due Date. If your payment is less than the minimum amount due, make an addrtronai payment to meet that amount. If your payment rs more than your current balance, we will only debit the current balance Pay or manage your account on our mobile app or at Customer Serwce I 800 903 3537 See reverse for Important Information Please send vs tkrs Dortron of your statement anrl only one check lor one money order) to tcatgilgf~gg/'Jf& ensure Tour payment rs processed promptly Allow at least seven bvsrness days for Cekvery 400039 New Balance $4,844.37 Minimum Payment Due $ 152.00 ltELANV BASA 4900 THE VIOODS DR APT 172II SAN JOSE. CA 9513u-sake Payment Due Date: Aug. 11, 2017 Account Ending in 4925 Amount Enclosed 7 Pay your bill on the go. Poyyourbrll ecurely and revrew t ansacr runs vvrt 1 tile CapitaIOne mobileapp ', ',': 'Text ONEctofat0101 tb cfjvyniqad tlteaxlOp,.=b „„,",'j TfdvksyofntJ av0$1$iategnt"yaellPly.:-;-:i':.;i,:.='~';:". w;. Capital One Bank (USA). N.A. P.O. Box I*0599 City of tndustry, CA 9171I,-DS'l9 i " lii I'lliiillii il illlil Iliii I il " illiiliiii li I lii'lill 204 4 9 2 5 1 4 4 8 4 4 5 7 0 0 8 0 0 0 0 1 5 2 0 0 8 How can I Avoid Pavina Interest Charoes'? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do nol pay your next New Balance tn full, we will charge interest on the portion of Ihe balance that you did not pay For Cash Advances and Special Transfers, we will start charging Interest an the transaction date. Certain promotional offers may agow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charac aooliedy Interest Charges accrue from Ihe date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount unlit it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, bul did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. ~eo ou assess a Minimum Interest Charac'? We may assess a minimum fnterest Charge of 30.50 for each Billing Cycle if your account is subject!o an Interest Charge. How do vou Calcufate the Interest Charac'? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, tf your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in Ihe Billing Cycle. The result is the Average Daily Balance for each segment 3.At the end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365i for that segment, and then we multiply the result by the number of days tn the Billing Cycle. We add the Interest Charges for ag segments together The result is your total Interest Charge for the Btiltng Cycle. The Average Datiy Batance is referred to as the Balance Sublect to Interest Rate in the Interest Charge Calculation section of this Statement NOTE: Due to rounding or a minimum Interest Charge, Ibis calculation may vary sltghfly from the Interest Charge actually assessed. How can mv Variable APR chanae2 Your APRs may increase or decrease based on one of the fogowing indices (reported tn The Wall Slreet Journal ). The letter code below corresponds wtth ihe leffar next to your APRs in the Interest Charge Calculaiton secbon of this statement Code next to your APR(s) P L How do we calculate your APR(s)2 Index + margin Prime Rate+ margin 3 month LI BUR r margin When your APR(s) will change The first day of the Billing Cycles that and tn Jan., Apni, July, and Oct D Pnme Rate+ margin The first day ofeach Btlltng Cycle. F I month LIBOR+ margin How can I Avoid Membershio Fees? if a Renewal Notice is nnted an this statementP you may avoid paying an annual mambershtp Fea by contacttng Customer Service no later than 45 days affer the last day in the Billing Cycle covered by thts statement to request that we close your account. To avotd paying a monthly mernbershtp Fea, close your account and we will stop assesstng your monthly membership Fee How can I Close Mv Accountz You can contact Customer Servtce anyttme to request that we close your account ~ Account information: Your name and account number. ~ Dollar amount The dollar amount of the suspected error. ~ Description of Problem: if you think there is an error on your bifl, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the enor appeared on your statement. You must notify us of any potential errors m writing. You may call us or notify us etactronicaiiy, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we inveskgate whether or not there has been an error, the following are true: ~ We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statemenl, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have lo pay the amount in question or any interest or other fees related to that amount. ~ While you do not have to pay the amount in question unbl we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit limit. Wtthtn 90 days of our receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your nex! statement) or the reasons we believe the bill ts correct Your Rights If You Are Dissatisfied With Your Purchase: If you are dtssaisfted with the goods or services that you have purchased with your credit card, and you have tried tn good fatih to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this nghi, Ihe following must be true: I) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your cradtt card account do not qualify; and 2) You must not yet have fully paid for the purchase. If ail of the criteria above are met and you are sbg dissatisfied with the purchase, contact us in writing at: Capttai One, P.O. Box 30285, Salt Lake City, UT 84130-0285 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our demston. At that point, tf we think you owe an amount and you do nol pay we may report you as deltnquent a 2016 Capital One Capital One ts a federally registered servtca mark ETC-08 11/01I16 001 How do vou Process P~aments2 When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank actxtunt. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Aoolv Mv Psvment'2 We generally apply payments up to your Minimum Payment ffrst to the balance with Ihe lowest APR (induding 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to bafances with lower APRs. Bigino Rlahts Summarv IDoes not Aoolv to Small Business Accounlsi What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us ah Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: Chanaina Illiaiiina Address? You can change your address immediately at capttaiona corn or complete the tnformatton below, and return this coupon wtth your payment. Please pnnt ustng blue or black ink How do I Make~pa ments& You may make your payment tn several ways 1 Onkne Bankmg by loggtng tnto your account; 2. Capital Ona Mobile Banking app for approved electronic devices; 3. Cagtng the telephone number listed on the front of thts statement and providing the required payment information; 4. Sending matt payments to the address on Ihe front of thts statement wtth the payment coupon or your account information. Street City... State . Phone . Emae.. Ztp code When will vou Credit My Payment2 For mobile, online or over the phone, as of the business day we receive tt, as long as it ts made by 8 p.m. ET. For mail, as of the bustness day we receive it, as Iong as tt ts received by 5 p.m. local time at our processing center You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) business days for mail delivery. Mailed payments received by us at any other location or payments tn any other form may not be credited as of the day we receive them 205 Page 2 of 2 World MaaterCard Account Ending in 4925 Jun. 15, 2017 Jul. 14, 2017 I 30 days in Billing Cycle ~ ta I a I a: 1st a Is I s I :;-t)isit v'tytwlaia&kmch'vJ'Y!4ngtt'o".,'se'e'ld'etaiies'd':tjatisva'c'tiot'tag+'y'I MELANY BASA ¹4925: Payments, Crediis and Adjustments Date Description Amount 300086 ! Get the app designed to save time. IIEffortlessly manage your account on the go with , tfie Capital Oili'. riioiaile app. Jun 20 CAPI)AI ONE ONLINE PYMTAuthDate 20-JUN Jun 27 CREDIT-CASH BACK REWARD - $200.00 - $26.56 Jul 3 CAPITAL ONE ONLINE PYMTAuthDate - $ 100.00 01-JUL Jul 11 CAPITAL ONE AUTOPAY PYMTAuthDate 12-JUN - $80 00 MELANY BASA ¹4925: Transactions Date Description Amount Jul 3 EUROPEAN WAX CENTERSAN JQSECA MELANY BASA ¹4925i Total $ 121.50 $ 121.50 Total Transactions for This Period $121.50 Date Description Amount Total Fees for This Period $0.00 interest Charge on Purchases $ 104.12 interest Charge on Cash Advances $0.00 interest Charge on Other Balances Total Interest for This Period $0.00 $ 104.1 2 20172Tota le:,YbdrJto.',DAte ':,:::-,:-:-:,;:.:-;:::;-.-':.'-,," ','Ci'. Total Fees charged in 2017 $0.00 Total Interest charged in 2017 $461.17 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Purchases Annual Percentage Balance Subiect Interest Charge Rale(APR) to Interest Rate 25.90% P $4,891.19 $ 104.12 Cash Advances 25.90% P $0.00 $0.00 P,L,D, F = Venable Rate. See reverse of page I for details. 206 Page 1 of 2 World Maatercard Account Ending in 4925 Jul. 15, 201.7 - Aug. 14, 2017 I 31 days in Binmg Cycle M" I Sfiltoou.titota~- N ~tWvtvitT%1 I I I I I I It: Ia'ayment Due Date Sep. 11, 2017 New Balance $4,792.68 For online and phone payments, the deadline is Bpm ET. Mimmum Payment Due $ 154.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance $4,844. 37 - $280.00 $0.00 + $ 121.50 + $0.00 + $0.00 + $ 106.81 = $4,792.88 $ 193 3 Years Mmimum Payment '0 Years $ 14,179 $6,942 Credit Limit Available Credit (as of Aug. 14, 2017) Cash Advance Credit Limit Available Credit for Cash Advances $5,750.00 $957.32 $ 150 00 $ 150 00 lf you would bke mformation about credit counseling services, call 1-888-328-8055 I?ievfouotgpa &';;:! '2 $7282'! 2.!:;-,,";,'I:-';4;.:.,:;;$ 1d13+~ AP Account Notifications You are enroged in AutoPay You'e selected to pay $30.00, which will be debited from your bank account on your Due Date. If your payment is less than the minimum amount due, make an additional payment to meet that amount. If your payment is more than your current balance, we will only debit the current balance Pay or manage your account on our mobile app or at::":.:.: Fr I cr .:.:, -. Customer Serwce: 1 800 903 3637 See reverse for Important information Payment Due Date: Sep. I I, 2017 Account Ending in 4925 New Balance $4,792.68 Minimum Payment Due $ 154.00 Amount Enclosed Please seiid us this portion of your statement snd only one check (or one money order) to d arewgftgatks 2 ensure your Oaynient is Processed PromPtly Allow at least seven business days for deliveryI ~One Jnnnln f et the app designed to save time. F ffortl ssly manege your 'ixilurn Orl t illx go vill» thi- C .pital One mobile app 2 '~,';;-&Text DMEktr'80 Ijoit tdictgtrvtfki~'g i'i'Bpit'$„::-:.:,.",& MELANY BASA 4400 THE OOODS DB API 1724 SAN JOSE. CA 'l513l-38I0 Capital One Bank (USA). N.A. P.o. Box 50599 City of Industry. CA 91715-0599 I "liir» lliiill'I II » i Ill l»i'I'I" Illiil»ii li I I'I'lill 207 4925 1I I 792680080000152 000 001 How can I Avoid Pavina Interest Charoes'? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transacbons that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did nol pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charac aoofied? Interest Charges accrue from Ihe date of the transaction or the first day of the Billing Cycle Interest Charges accrue on every unpaid amount until il is paid in full. This means you may owe interest Charges even rf you pay Ihe entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charac'? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle rf your account is subject to an Interest Charge. Balance (including new transactions). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subfrsr;t any payrnenis and credrts for that segrneirt as of bhat day. Ttre result is ate daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the dariy balance. 2. Next, for each segment, we add the daily balances together and divide Ihe sum by the number of days in the Bitlrng Cycle The result is the Average Daily Balance for each segment. 3.At the end of each Brging Cycle, we mulbply your Average Dariy Balance for each segment by the daily perrodic rate (APR drvrded by 365) for that segment, and then we multiply the result by the number of days in the Bilirng Cycle We add the Interest Charges for ail segments together. The result is your total Interest Charge for ihe Brliing Cycle. The Average Daily Balance rs refened to as the Balance Sublect to Interest Rate in the interest Charge Calculation section of this Statement NOTE; Due to rounding or a minimum Interest Charge, this caicuiatron may vary slighgy from Ihe interest Charge actually assessed. How can mv Varirable APR chance? Your APRs may increase or decrease based on one of the fotiowing indices (reported rn The Wall Street Journal ). )he letter code below corresponds with the fetter next to your APRs in the fnterest Charge Calculation section of this siatemen! Code next to How do we calculate your When your APR(s) will change your APR(s) APR(s}? Index+ marBin P Prime Rate+ margm The first day of the Briirng Cycles that L 3 month LIBOR+ margin end in Jan, Apnl, July, and Oct. D Pnme Rale+ margin I The first day of each Billing Cycle. F I month LIBOR+ margin How can I Avoid Membershin Fees? If a Renewal Notice is pnnted on thw statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after ihe last day rn the Bilkng Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can I Cfgse~M Account7 You can contact Customer Service anytrme to request that we close your account ~ Account information: Your name and account number. ~ Dollar amount: The dollar amount of the suspected error. ~ Descriptio of Problem: If you think there is an error on your bill, describe what you believ'e iv wmng artd uny you believe ii iv a mistake. You must coriiact us wrihin 60 days aiter the error appeared on your statement. You must notify us of any potential errors in writing. You may cali us or nogfy us electronically, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the fogowing are true: ~ We cannot try to cogem the amount in question, or report you as deknquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest an that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount ~ While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credrt limit. Within 90 days of our receipt of your letter, we will send you a wntten notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credrt card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to psy the remainrng amount due on Ihe purchase To use this nght, the following must be true 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or wrth a check that acceeses your credkt card account do not quairfy, and 2) You must not yet have fully paid for the purchase. If ag of the cnteria above are met and you are still dissatisfied with the purchase, contact us m wntrng at Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as dwcussed above After we finrsh our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent 02016 Capital One Caprtal One is a federally registered servrce mark ETC-08 11/01/16 How do vou Process Pavments'? When you make a paymenl, you authonze us to initiate an ACH or electronic payment that writ be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your paymenL How doeou Agplv klv Pavment'? We generally apply payments up to your Minimum Payment first to the balance with the fovrest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with fower APRs. What To Do If You Think You Find A Mistake On Your Statement: If you thiok there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84 I 304)285. fn your letter, give us the following information. Chanaina Mailina Address? You can change your address rmmedialeiy at caprtalone.corn or complete the information below, and return this coupon with your payment Please prmt u an g blue or black rnk How do I Make Pavments? You may make your payment rn several ways: 1 Online Bankrng by loggrng rnto your account; 2. Capital One Mobile Banking app for approved electronic devices; 3 Calling the telephone number listed on the front of this statement and providing tha requrred payment rnformatron; 4 Sendrng mail payments to the address on the front of thrs statementwrth the payment coupon or your account rnformation. Street... City State... Phone.. Email Zrp code When will vou Credit Mv Pavment? For mobile, online or over the phone, as of the business day we receive it, as long as rl rs made by 8 p.m. ET. For mail, as of the business day we receive rt, as long as rt is received by 5 p.m local time at our processing center. You must send the bottom portion of ihrs statement and your check to the payment address on the front of this stafement. Please allow at least seven (?) business days for mail delivery. Mailed payments received by us at any other location or payments rn any other form may not be credited as of the day we receive them. 208 Page 2 of 2 World MasterCard Account Ending in 4925 Jul. 15, 2017 - Aug. 14, 2017 I 31 days in Billing Cycle I I: I I I Y-1st I tel I I: -; Visit AIYW;capffhfhne:ctryr3$o,,i'ee',,d'etailed trans'actions's&v&i3gj MELANY BASA ¹4925: Payments, Credits and Adjustments Date Description Amoun! Aug 3 CAPITAI ONE MOBILE PYMTAuthDate - $200.00 03-AUG Aug 11 CAPITAL ONE AUTOPAY PYMTAuthDate ~ $80.00 11-JUL 3ooos4 MELANY BASA ¹4925: Transactions Date Description Amount Aug 3 EUROPEAN WAX CENTERSAN JOSECA $ 121.50 MELANY BASA ¹4925i Total $ 121.50 Total Transactions for This Period $121.50 Date Description Amount Total Fees for This Period $0.00 interest Charge on Purchases $ 106 81 Interest Charge on Cash Advances $0 00 Interest Charge on Other Balances Total Interest for This Penod $0 00 $ 106.81 201 7 Totals iyed'1=to-',Dpte ';,- Total Fees charged in 2017 Total Interest charged in 2017 $0.00 $567.98 4 Purchases 25.90% P $4,855.45 $ 106.81 Cash Advances 25.90% P $0 00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details 209 Page 1 of 2 World Mastercard Account Ending in 4925 Aug. 15, 2017 - Sep. 14, 2D17 I 31 days in Biuing Cycle ~ol 8 lllllllltIA'ayment Due Date Oct. 11, 2017 New Balance $4,663.53 For onhne and phone payments, the deadline is Bpm ET Minimum Payment Due $ 151.00 LATE PAYMENT WARNING: It we do not receive your mmimum payment by your due date, you may have to pay a tate fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the mmimum payment each period, you will pay more m mterest and it will take you longer to pay off your balance. For example: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance $4,792.68 $234.00 $0.00 + $0.00 + $0.00 + $0.00 + $ 104.85 = $4,663.53 a ng 't Credit Limit $5,750.00 Minimum Payment 20 Years $ 13,753 Available Credit (as of Sep. 14, 2017) $ 1,086.47 Cash Advance Credit Limit $ 150.00 $ 188 3 Years $6,755 Fstimated savings if balance is paid off in about 3 years: $6,998 Available Credit for Cash Advances $ 150.00 if you would kke informatmn about credit couuseiml services, call I I!88 325-8055 44+ 4;,~&w'4-m eileeiTindATJtr84 ;, $13I:E641,::-.=:-Fr~.::;::„;:::::.=;~.-.»~if oAIIBTaeprI~A, . Preffous'Balance" 1:;=igni'n'edzThistpiii'o'6'BDAF!4-'.8 Account Notifications You are enrolled in AutoPay. You'e selected to pay $80 00, which will be debited from your bank account on your Due Date. If your payment is less than the mimmum amount due, make an additional payment to meet that amount. If your payment is more than your current balance, we will only debit the current balance. Pay or manage your account on our mobile app or at,,::,.:;.; t: I i it:c n Customer Serwce: I 800 903 3637 See reverse for Important Information Please send us this porbon of your statement and only one clieck lor one money orilerl fo rf Btg3rpgdggof fru ensure lrour payment is processed promptly Allow at least seven liuiiuess days lor ilelivery AOOO 9 New Balance $4,663.53 Minimum Payment Due $ 151.00 NELANY BASA 4400 THE IIIOODS DN APT 1724 SAN JOSE CA 9513k-Bal 0 Payment Dire Date: Oct. I I, 2017 Account Ending in 4925 Amount Enclosed ~I~ ~ ~ 4 Pay your bill on the go. Piy your bill sr curely and review t ansactions with the Capital One'obile app. ': -l'="''i -Tve@'0@'t'kegolotttvotcfp&v'v'n'loZagtity'4'pppo~k:;~~ ki &'"'",i.'.+".i *'r,"'8fti Igttuvr IFJ'hv Bg to'istekilb+'nrp jar&Z,',mgr'„"~iW '',":rr5 Capital One Bank iUSA). N.A. P O. Box I 05'l9 City of Industry CA 91714-0599 I " lli Iilllilllll il IIII'I Illll 'l " IIIIII » II li I I'I'IIII 2 1 0 4 9 2 5 1 4 4 6 6 3 5 3 0 0 5 4 0 0 0 1 5 1 0 0 8 001 !The first day of the Billing Cycles that end rn Jan., Apnl, July, and Oct. The first day of each Billing Cycle.D Prime Rate + margin F I monfh LIBOR+ margin How can I Avoid Membershro Fees? It a Renewal Notice rs pnnted on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day rn the Briling Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee How can I Close Mv Account? You can contact Customer Service anytime to request that we close your account How can i Avoid Pavino Interest Charaes? If you pay your statement's New Batance in full by Ihe due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do nol pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay For Cash Advances and Speaal Transfers, we will start charging Interest an the transaction date. Certain promotional offers may allow you to pay tees than the total New Balance and avoid paying Interest Charges on new purchases. Please refer fo the front of your statement for addiTional information. How is the Interest Charac abetted'? Interest Charges accrue from the date of the transaction or the lirst day of the Brliing Cycle. Interest Charges accrue on every unpaid amount until it is paid in fulL This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle. but did nol do so the previous Billing Cycle. Unpaid Interest Charges are added to the conesponding segment of your account. j)o vou assess a Minimum Interest Charac? We may assess a minimum Interest Charge of $0.50 for each Biging Cycle rf your account is subject to an Interest Charge. How do vou Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). I.First, for each segment ws take the beginning balance each day and add in new transactions and the periodic Inferest Charge on the previous day's balance. Then we subtract any paymenis and credits for linet segrnernt as of drabs day. The result is the daily balance for each segment. However, if your previous statemenl balance was zero or a credit amount, new iransactions which post to your purchase segment are not added lo the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodkc rate (APR divided by 365) for that segment, and then we multiply lhe result by the number of days in the Billing Cycle. We add the Interest Charges for ag segments together. The result is your total interest Charge for ihe Billing Cycle. The Average Daily Balance is referred to as the Balance Subiect to interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Dus to rounding or a minimum Interest Charge, this calculation may vary slightly from Ihe Interest Charge actually assessed. How can mv Variable APR change'? Your APRs may increase or decrease based an one of the following indices (reported rn The Wali Street Journal ). The letter code below corresponds wrlh the letter next to your APRs rn the Interest Charge Calculation section of this statement Code next to How do we calculate your When your APR(s) will change your APR(s) AP~Rs? Index+margin P Pnme Rate+ margin L 3 month LI BUR + margin initiate an ACH or electronic payment that wrtl be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other elecbonic transfer from your bank account. We may also process it as a check transaction. Funds may be wrlhdrawn from your bank acrxrunt as soon as the same day we process your payment. How do vou Aoolv Mv Pavment? We generally apply payments up to your Minimum Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then lo balances with lower APRs. Biilina Riohts Summarv IDoes not Aoolv to Small Business Ac~counts What To Do If You Think You Find A Mistake On Your Statement: If you thrnk there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 841 304I285. In your leger, give us the following information: ~ Account information; Your name and account number. ~ Dollar amount: The dollar amount of the suspected error. ~ Descriplion of Problem'f you think there rs an error on your bill, describe what you believe is wrong nnd vvhy yon bali ve it is a mistake. You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing. You may call us or notify us electronrcaily, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. 1Nhrle we investigate whether or not there has been an error, the following are true. ~ We cannot try to collect the amount in question, or report you as delinquent on thai amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have lo pay the amount in question or any interest or other fees related to that amounL ~ While you do not have to pay ihe amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit limit Within 90 days of our receipt of your letter, we will send you a wririen notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tned in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, ihe foliowrng must be true; I) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have fully paid for the purchase. If ag of the criteria above are met end you are sbli dissatisfied with the purchase, contact us in writing at. Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285 While we investigafe, the same rules apply to the disputed amount as dkscussed above ARer we fi ~ ish our investigation, we will tell you our deosion At that point, rf we think you owe an amount and you do not pay we may report you as delinquent ETC-08 2016 Capital One Caprial One rs a federally registered seneca mark I UOU16 Chanaina Mailina Address? You can change your address immediately at capitalone corn or complete the in(ormation below, and return this coupon with your payment Please pnnt using blue or black ink. How do I Make Payments? You may make your payment in several ways I Onkne Bankrng by lagging rnto your account; 2. Capital One Mobile Banking app for approved electronic devices, 3 Caiirng the telephone number lrsted on the front of this statement and provrdrng the required payment information; 4. Sending mart payments to the address on the front of thrs statement with the payment coupon or your account information. Street.. City.. State Phone.... Em art. Zrp code . When will you Credit Mv Pavment? For mobile, onkne or over the phone, as of the business day we receive rt, as long as itis made by 8 pm ET For mail, as of the business day we receive it, as long as rt rs received by 5 p m. local time at our processing center You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (?) business days for mari delivery. Mailed payments received by us at any other location or payments rn any other form may not be credited as of the day we receive them. 211 Page 2 of 2 World MasterCard Account Ending in 4925 Aug. 15, 2017 - Sep. 14, 2017 I 31 days m Bining Cycle I ~ ~ I , Lti;).';I)is it iwgi'duriftrady~Mi to': s'ee:dhta! )&d ~j«anrsacvtios0~5&P MELANY BASA d4925r Payments, Credits and Adjustments Date Description Amount Aug 28 CAPITAL ONE ONLINE PYMTAuthDate - $ 100.00 27-AUG Sep 10 CAPITAL ONE MOBILE PYMTAuthDate $54 00 10-SEP snnoes Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CreditWisn' hnill right intn the Capital One'obile app. Sep 11 CAPITAL ONE AUTOPAY PYMTAuthDate 11-AUG - $80.00 MELANY BASA 84925: Transactions Date Description Amount Date Description Total Fees for This Period Amount $0.00 Interest Charge on Purchases $104.85 Interest Charge on Cash Advances Interest Charge on Other Balances Total Interest for This Period $0.00 $0.00 $ 104.85 Total Fees charged in 2017 $0.00 Total Interest charged in 2017 $672.83 Your Anmial Percentage Rate (APR) is the annual mterest rate on your account. Type of I Balance Purr.hase Annual Percentage Balance Subject Interest Charge RatelAPR) to Interest Rate 25 90% P $4,766.58 $ 104.85 Cash Advances 25 90% P $0. 00 $0 00 QP,L,D,F = llanahle Rate See reverse of page I for details. 212 Page 1 of 4 World Mastercard Account Ending in 4925 Sep. 15, 2017 - Oct. 14, 2017 I 30 days in Bilimg Cycle =MTiii- sllfilfeeMRsfni ~iR SHIN i $1slsrtslnle'- Payment Due Date Nov. 11 2011 New Balance $4,531.43 For online and phone payments, the deadline rs Bpm ET. Minimum Payment Due $ 144.00 LATE PAYMENT WARNING: If we do not receive your mmrmum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the mmimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Baiance $4,663. 53 - $231.00 $0.00 + $0.00 + $0.00 + $0.00 + $98.90 -=$4,53 l.43 Mmimum Payment $ 182 19 Years $ 13,327 3 Years $6,564 Credit Limit Available Credit &as of Oct. 14, 2017) Cash Advance Credit Limit $5,750.00 $ 1,218.57 $ 150.00 Estimated sawngs if balance is paid off rn about 3 years $6,763 Available Credit for Cash Advances $ 150.00 lf you would kke information about crsdrt covnsstml servrces, call 1-888-328-8058 -$!Reft!af'4st A'$3;!6! r"ef rou pei $.$ Account Notifications You are enrolled m AutoPay. You'e selected to pay $80.00, which wrli be debited from your bank account on your Due Date. If your payment rs less than the mrmmum amount due, make an additional payment to meet that amount. If your payment rs more than your current balance, we wdi only debit the current balance. Pay or manage your account on our mobile app or at wwr: ca r,ial rrd Customer Serwce; I 800-903 3637 See reverse for important Information Please send us th! s pod!on of your statement and only one check (sr one mor!ey order) to rgar~dgdego J'nsure your payment!s processed prerepily Allow at least seven bus!ness days fer delrverye & I K'00034 New Balance $4,531.43 Minimum Payment Due $ 144.00 Payment Due Date: Nov. I 'I, 2017 Account Ending rn 4925 Amount Enclosed Get the app designed to save time. Fffonl. Ssly manage yorfr , account on 'rhe go u!itli the Capit! I One'nhilc app rfELANY BASA 44rln THE kiOODS DN APT 1724 SAN JOSE. CA 9513k-38I 0 Capital One Bank (USA), N.A. P.O. Box BOS99 City of Industry CA 91714-0899 i " lil 'l h fill'i il » ilii iiii ' il " Illlili' ll 'ii'lill 21 3 4 9 2 5 1 I I 5 3 1 4 3 0 0 8 0 0 0 0 1 I 4 0 0 9 001 The first day of the Billing Cycles that end m Jan, Apni, July, and Oct. The first day of each Billing Cycle.D Pnme Rate+ margin F I month LIBOR r margin How can I Avoid Membsrshio Fees? If a Renewal Notice rs printed on this statement, you may avoid paying an annual membership Fee by contacbng Customer Service no later Ihan 45 days after the last day rn the Brlhng Cycle covered by this statement to request that we close your account To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee How can I Close My Account'? You can contact Customer Service anytime to request that we close your account. How can I Avoid Pavinu Interest 0 harass'? tf you psy your statement's New Balance in full by the due date, we writ not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account rn full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest an the transacbon date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the interest Chargeea?plied? Interest Charges accrue from the date of the transamion or the frat day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Brliing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charac? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do vou Calculate the interest Charac'? We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we lake the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, rf your previous statement balance was zero or a credit amount, new transactions which porn to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in Ihe Billing Cycle. The result rs the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days rn the Billing Cycle. We add the Interest Charges for all segments together The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to interest Rate in the Interest Charge Calculatron secbon of this Siatement NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR chanae2 Your APRs may increase or decrease based on one of the fotiowing indices (reported in The Wall Slreei Journal ) Ihe fetter code below corresponds with the letter next to your APRs in the Interest Charge Caiculahon section of this statement Code next to How do we calculate your When your APR(sj will change your APR(s) APR(s)'? Index+ margin P Pnme Rate r margm L 3 month LIBOR + margm ~ Account information: Your name and accoun! number. ~ Dollar amount The dollar amount of the suspected error. ~ Description of Problem: if you think there is an error on your bill, descnbe what you believe is wrong and why you believe il is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potentrai errors in writing. You may call us or notify us eiectronicaily, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true ~ We cannot try to collect the amount rn question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. ~ While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit limit Within 90 days of our receipt of your letter, we will send you a wntten notice explaining either that we corrected Ihe error (to appear on your next statement) or the reasons we believe the bill rs correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have trrsd in good faith to correct the problem with the merchant, you may have the right not io pay the remaining amounl due on the purchase. To use this right, the following must be true. I) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quatre?, and 2) You must not yet have fully paid for the purchase. If all of the cntena above are met and you are shg drssaiisfied with the purchase, contact us rn writing at Caprtal One, P.O Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above Aher we finish our investigation, we will tell you our decision At that point, rf we think you owe an amount and you do not pay we may report you as delinquent 2016 Capital One Capital One is a federally registered servrce mark ETC-0811/01/16 How do vou Process Pavments'? When you make a payment, you authorirze us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a paymenl, you authorize us to use information from the check lo make a one-time ACH or other electronic transfer from your bank account. We may afso process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your paymenl. How do vou Aoolv Mv Pevment? We generally apply payments up lo your Minimum Payment first ia ihe balance with the lawesi APR (including 0'yo APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with Ihe highest APR, and then to bafances with lower APRs. Billina Riehts Summarv IDoes not Aoolv to Small Business Accountsl What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, writs to us at: Capital One P.O. Box 30285 Salt Lake City, UT 841 30-0285. in your letter, give us the following information: Chanc(in(( Ma(jina Address? You can change your address rmmedialely at capitalone corn or complete the information below, and return this coupon with your payment Please pnnt usrng blue or black ink. How do I Make Pavments? You may make your payment rn several ways I Onhne Bankrng by logging into your account; 2. Caprtal One Mobile Banking app for approved electronrc devrces; 3 Calling the telephone number listed on the front of this statement and providing the requtred payment rnformatrorr 4. Sending marl payments to the address on the front of this statement with the payment coupon or your account rnformatron. Street City State. Phone.. Emart . Zrp code W~hen will ou Credit My Payment' For mobile, online or over the phone, as of the busmess day we recerve rt, as long asitis madeby8 p m ET For marl, as of the business day we receive rt, as tong as rt is received by 5 p m local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) busrness days for mail delivery Mazed payments received by us at any other location or paymsnis in any other form may noi be credited as of the day we receive them. 214 Page 2 of 4 World Mastergard Account Ending in 4925 Sep. 15, 2017 - Oct. 14, 2017 I 30 days in 8illmg Cycle fFTii% tteet Vjsit'undw,oatjyjtpjonuetcft'tditnysee:Chtaij'etjattaiisa'ction's..vdib i~I MELANY BASA 44925: Payments, Credits and Adjustments eats eescription Amount Manage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One" mobile app. Oct 4 Oct 11 CAPITAL ONE MOBILE PYMTAuthoate - $ 151.00 04-Oct CAPITAL ONE AUTOPAY PYMTAuthoate - $80.00 11-Sep MELANY BASA d4925: Transactions Bate Bescription Date Oescription Amount -'-:$:e e~. Amount Total Fees for This Period $0.00 Interest Charge an Purchases $98. 90 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $98.90 Total Fees charged in 2017 $0.00 Total interest charged m 2017 $771.73 Your AnnualPercentage Rate fAPR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge RateIAPR) to Interest Rate Purchases 25.90% P $4,545 59 $ 98 90 Cash Advances 25.90% P $0.00 $0 00 P,L,D,P - Vanahie Rate See reverse of page I for details. 215 CaPital off.'0'1258 Save on your next home purchase or mortgage refinance. MELANY BASA, To thank you for your loyalty as a Quicksilver customer, you'e invited to get a special offer. Your lender fee is on us. When you purchase a home or refinance your mortgage with Capital One , the lender fee will be waived. A dedicated loan officer will be by your side from application through closing and online tools make it easy to track your progress. Best of all, you can pre-qualify in minutes with no impact to your credit score. Don't pass up this opportunity to save on your next home loan. Getting started is fast and easy. Call 1-855-447-441 8. Monday-Friday 8 a.m.-10 p m. ET Saturday 9 a.m - 6 p.m. ET Qz Mention promo code QUICKSILVER to your moitg.ige loan officer. 03 Get prefqualified with no impact to your credit score. Hurryl This offer ends November 31, 2017. Simply Smarter Home Loans' Capital One, N A, will pay closmg costs up to $ 1,000. Standard lender fee on most loans with Capital One is $990.00. Third-party fees, including but not limited to appraisal fee, title fee, settlement fee, attorney fee, flood certificate, tax fee and the like still apply. Certam restnctions apply Promotion may not be used toward points, per diem mterest or tax-deductible fees, such as property taxes and private mortgage insurance (PMI). Any portion of the promotional amount not used toward closing costs will be forfeited. Promotion may be irmited by investor/insurer guidelines for each loan type. This promotion is available exclusively for those who are active Capital One QuicksilverOv or QutckstiverOneep primary cardhoiders at the time of application whose accounts are not in default, restricted, closed or whose terms have not changed smce the time of t tie mortgage application or loan closing This promotion is good for both new home purchases and mortgage refinancmg. Not avatlable on assumption or modification loans, home equity loans or home equity Imes of credit. This offer is non-transferable and cannot be combined with any other offer. Adverttsed discount available only on appiicattons submitted to a Capital One loan officer by phone between October 1, 2017 and November 31, 2017 This does not represent a commitmeni to lend. Not ail loan products or terms available m all states. Rates, fees and other terms subiect to change without not tee Loans are sublect to credit and property approval Normal credit qualification and other terms and conditions apply If approved, your terms may vary based upon your specific situation. Refmancing to pay off existing debt may extend the term of the debt and increase the total amount paid when compared to your current situation Keep in mmd that FHA loans are tnsured by the federal government and offer specific FHA loss mitigation programs,which you will no longer be eligible for if you refinance into a non-FHA loan. Pre-qualification provides ynu with an estimate of how much you can borrow to purchase a home, based on our prelimmary rewew of credit mfonnation Property insurance is required, mcluding flood msurance where applicable The Secure and Fair Enforcement for Mortgage Ltcensmg Act ot 2008 (SAFE Act) requires all mortgage loan ongmators to be registered in the Nationwide Mortgage Licensing System and Registry (NMLS). Mottgage loan ongmators and their NMLS IOs can be looked up on the NMLS Consumer AccessfSM) website &http://www.nmisconsumeraccess.org/). Products and services offered by Capital One, N.A, NMLS IO 453) 56, Equal Housmg Lender. 2017 Capital One is a federally registered service mark Ail nghts reserved. 15000 Capital One Dove, Attn.: 12038 0111, Richmond, Virgmia 23238 To contact us by mail, please use the toilowing address: Capital One, N A, Mortgage Sales, P.O. Box 259079 Piano, TX 75025.90/9 LENDER 217 C'ng@tuloffE„'age I of 3World Mastergard Account Ending in 4925 Oct. 16, 2017 - Nov. 14, 2017 I 31 days fn Billing Cycle filfaaul Payment Due Date Dec. 11, 2017 New Balance $4,673.01 For online and phone payments, the deadlme is Bpm ET Minimum Payment Duo $237.00 MINIMUM PAYMENT WARNING: lf you make only the mmimum payment each penod, you wiii pay more in interest and it will take you longer to pay off your balance. For example: Q o '2„'kyp, . r ~3IP „ttfyftd'fmmum Payment 20 Years $ 13,656 lf you would hke information about credit covnselmg services, call 1-888-326-8055. LATE PAYMENT WARNING: lf we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00. Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance Credit Limit Available Credit (as of Nov. 14, 2017) Cash Advance Credit Limit Available Credit for Cash Advances $4,531.43 - $80.00 + $99.89 + $0.00 + $25.00 + $ 101.83 = $4,673.01 $5,750.00 $ 1,076.99 $ 150.00 $ 150.00 3000iao 0 Get your account back on track. Visit capitalone com to make a payment today Account Notifications Please check page 3 of this statement for your Account Notifications. Pay or manage your account on our mobile app or at;;;.: Cap tatfwx: fx: rf Customer Serwce. I 800 903 363/ See reverse for important Information Please send us this portfon of your statement and ooiy one check lor oce money orflerl to dr„affrafrff~ggy IC ensure your payment fs processed promptly. Allow at least seven busmels days for deuvery Jo(l(nl New Balance $4,673.01 M" flrluf lf I'avfl'ffffl Olfe. $237.00 Paymeni Due Date: Bec. I I, 2017 Account Ending fn 4925 Amount Enclosed Manage your accountet d v orf yotfl time. :;.„,By Yoif afl cce55 ac(lxifli ifllofTfldtfoff on ou secffm we'lsfte anytime,24/7 MELANV BASA 4'fon THE IrlOODS Dn APT 1724 SAN JOSE. CA 'l513I -3840 ~ .-%-.*%9009eypul Bcc'unfit Btrcapltaione,com,=="~,!-;.','I Capital One Bank iUSA) N.A. P.O. Box f05'ln City of Industry CA 91714-0599 I " I'I » IIIIIIIII il iiii'i ii » I I ii " III » I » » it I Iii'Iiii 2 1 8 -4925 14 4673010080000237005 How can I Avoid Pavino Interest Charoes'I If you pay your statement's New Balance in full by Ihe due date, we will not charge you interest an any new transacbons that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information, How is the Interest Charac aoolied7 Interest Charges accrue from the date of the transaction or Ihe grat day of the Billing Cycfe. Interest Charges accrue on every unpaid amount until rl is paid in full. This means you may owe Interest Charges even if you pay the angra New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charac'I We may assess a minimum Interest Charge of $0.50 for each Biging Cycle if your account is subject to an Interest Charge. How do vou Calculate the Interest Charac'I We use a method called Average Darly Balance (including new transactions). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance Then we ubtract any payment. and credits for that s gmenl as of that day. Th result w dm daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The resuff is the Average Daily Balance for each segment. 3.At Ihe end of each Billing Cycle, we multiply your Average Daily Bafance for each segment by Ihe daily penodic rate (APR divided by 365) for that segment, and then we muffiply the result by the number of days in the Biding Cycle. We sdd the interest Charges for ag segments together. The result is your total Interest Charge for the Biging Cycle. The Average Dariy Balance is referred to as the Balance Subiect to interest Rate rn the interest Charge Calculation secbon of this Statement NOTE: Due to roundrng or a minimum Interest Charge, this calcuiatron may vary slightly from the Interest Charge actually assessed. How can mv Variable APR chanoe7 Your APRs may increase or decrease based on one of the following indices (reported in The Wag Slreet Journal ). The let!er code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement Code next to I How do we calculate your When your APR(s) will change your APRLsx APR(s)7 Index+ margin P Prime Rate r margin The first day of the Brilrng Cycles that L 3 month LIBOR+ margin end m Jan, Apnl, July, and Oct D Prime Rate+ margin The frrst day ofeach Btliing Cycle. F I month LIBOR+ margm How can I Avoid Membershio Feesy If a Renewal Notice rs pnnted on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day rn the Billing Cycle covered by this statemenl to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can I Close Mv Account7 You can contact Customer Service anytime to request that we close your account. ~ Account information: Your name and account number. ~ Dollar amount The dollar amount of the suspected error. ~ Description of Problem If you think there is an error on your bill, describe what you balreve is wrong and vvhy you believe it is a mistake. Yuu nmst omtam us within 60 days after the error appeared on your statement. You must notify us of any potential errors rn writing. You may call us or notify us electronically, but rf you do we are not requrred to investigate any potential enure and you may have lo pay the amount in question. We wrg notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: ~ We cannot try to collect the amount rn question, or report you as delinquent on that amount. The charge in question may remain on your statemenl, and we may continue to charge you interest on that amount. Bul, rf we determine that we made a mistake, you will not have to pay the amount rn question or any interest or other fees related to that amount ~ While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we wrli send you a written notice exptaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct Your Rights If You Are Dissatisfied With Your Purchase: If you are dissaxsfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right no! to pay the remaining amount due on the purchase. To use this right, the following must be true: I) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or wrlh a check that accesses your credit card account do not quakfy,and 2) You must not yet have fully pard for the purchase If all of the cnteria above are met and you are still drssabslied with the purchase, contact us rn writing at Capital One, P.O Box 30285, Salt Lake City, UT 84130-0285. White we investigate, the same rules apply to the disputed amount as discussed above. After we finrsh our investigation, wa will teil you our decisron. At that point, rf we think you owe an amount and you do not pay we may report you as delinquent 2016 Caplai One Capital One rs a federally registered service mark ETC-0811/0 1 f16 001 How do vou Process Pavmentsv When you make a payment, you authonze us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information lo make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank acrxrunt We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Aoolv Mklppeniy We generally apply payments up to your Minrmum Payment first to Ihe balance with Ihe lowest APR (mr)uding 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Biffina Riahts Summarv IDoes not Aoolv to Small Bustnes~sAccounts What To Do If You Think You Find A Mistake On Your Statement: If you think there rs an error on your statement, write to us at: Capital One P O. Box 30285 Salt Lake City, UT 84130 0285. In your letter, give us the following information; Chanaina Ma)jina Address? You can change your address immediately at caprtalone corn or complete Ihe rnformatron below, and return this coupon with your payment Please pnnt usrng blue or black rnk How do I Make Pavmentsv You may make your payment rn several ways. 1. Onkne Banking by logging into your account; 2. Caprtai One Mobile Bankrng app for approved electronic devrces; 3 Calling the telephone number listed on the front of this statement and providing ihe required payment rnformation; 4. Sending marl payments to the address on Ihe front of thw statement wrih the payment coupon or your account informatron Street City... State Phone... Email Zrp code When will vou Credit Mv Pavmenty ~ For mobile, online or over the phone, as oi the business day we receive rt, as long as it is made by 8 p.m. ET. For marl, as of the business day we receive rt, as long as rt rs received by 5 p m local time at our processing center. You must send the bottom portion of this statement snd your check to the payment address on the front of this statement. Please allow at least seven (7) business days for marl delivery. Mailed payments received by us at any other location or payments rn any other form may not be credited as of the day we receive them. 219 Page 2 of 3 World MasterCard Account Ending in 4925 Oct. 15, 2017 - Nov. 14, 2017 I 31 days in Binmg Cycle - fnnmmn'vr -':.r 'i'i Varri'or)me, »0 r 'll'i!Y '"'V r Irtp rr"',"'r MELANY BASA ¹4925: Payments, Credits and Adjustments Date Description Amount 3OOCIB6 , 'Get the app designed to save time. .: Effortlessly manage your account on the go with , the Capital One'rnobie upp. Nov 11 CAPITAL ONE AUTOPAY PYMTAuthDate ll-Oct Nov 14 CREDIT-CASH BACK REWARD $80.00 - $5.14 MELANY BASA ¹4925: Transactions Date Description Oct 28 AQUI BLOSSOM VALLEY SSAN JOSECA Oct 29 NAIL ARTSAN JOSECA Oct 29 YOUJISAN JOSECA MEIANY BASA ¹4925r Total Amount $43.39 $ 52.00 $4. 50 $99.89 Total Transactions for This Period $99.89 Date Description Amount Nov 11 PAST DUE FEE Total Fees for This Period $25.00 $25.00 Interest Charge cn Purchases $ 101.83 Interest Charge on Cash Advances $0.00 Interest Charge on Other Belanres Total Interest for This Period $0.00 $ 101.83 '2017 Tdtaln Year-topDale Total Fees charged in 2017 Total Interest charged in 2017 $25.00 $873.55 Your Annus I Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge Rate(APR) to Interest Rate Purchases Cash Advances 25.90% P 25.90% P $4,629.24 $0.00 $ 101.83 $0 00 P,L,D,F = Vanabie Rate See reverse of page 1 for details 220 CIEIII$ÃfMSQ~~x Page 3 of 3 World MasterCard Account Ending in 4925 Oct. 15, 2017 - Nov. 14, 2017 I 31 days in Billing Cycle rYCPiiRIknRaEi . ~ a For questions about this account, please gwc us a ca'I at 1-800-955-6600, 'i/e'll be glad to help you idor day thiough Fr'day from 8 a.m. to 1! p,m. FT, and Saturday and Sunday from 8 a.m. to 5 p.m. FT. +i **Important Notice** Your account was past due. Under the terms we previously disclosed to you, if your account is past due again in the next 12 billing cycles, your Annual Percentage Rates (APRs) may increase. You are enrolled in AutoPay. You'e selected to pay $80.00, which will be debited from your bank account on your Due Date. If your payment is less than the minimum amount due, make an additional payment to meet that amount. If your payment is more than your current balance, we will only debit the current balance. You were assessed a past due fee because your minimum payment was not received by the due date. 1o avoid this fee m the future, we recommendQi that you allow at least 7 business days for your minimum payment to reach Capital One. 221 Page I of 2 World MasterCard Account Ending in 4925 Nov. 15, 2017 - Dec. 14, 2017 I 30 days in Billing Cycle Payment Due Date Jan. 11, 2018 New Balance $4,655.55 lHfIINRl s I For onlme and phone payments, the deadlme is Bpm ET. Minimum Payment Due $ 145.00 LATE PAYMENT WARNING: If we do not receive your mmimum payment by your due date, you may have to pay a late fee of up to $35.00. Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged I I1II«IIINIA = $4,673. 01 - $237.00 $0.00 + $ 120.63 + $0.00 + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you lunger to pay o'f you balance. For example: New Balance = $4,655.55 Interest Charged + $98.91 Credit Limit $5,750.00 Available Credit (as of Dec. 14, 2017) $ 1,094.45 47 Est(mated savings If balance Is paid off in about 3 years. $7,003 Cash Advance Credit Limit Available Credit for Cash Advances $ 150.00 $ 150.00 lf yov would like mf(rm at(on about credit counsebns services, cali I-888-326-8055 c'e=.'-: -'-",::~E'e'rn'e'5"'T1I.'=''r'kirioggiB'd)an "=- ."',.~46'!Qrogl'lbd Account Notifications i Welcome to your account notlf(cat(one. Check back here each month for Important updates about your account. Pay or manage your account on our mobile app or at Customer Service 1.800 903-3537 See reverse for Important In form at Ion Please send vs this porhon of your staten(ant and only one check for one money order) to Qwaawaf~f(g 2 ensure your Payment Is Processed PromPtiy Allow at least seven bus(ness days for dpi(verya ~( ffe Aonoln New Balance $4,6V5.rV Minimum Payment Due $ 145.00 MELANY BASA 9900 THE IIIOODS DN APT 1729 SAN JOSE. CA 9513( -3810 Payment Due Date: )an. I I, 20IB Account Ending in 4925 Amount Enclosed tact the app designed to save time. i fto(tl. Ssly manage your a((BUHI orl!Me go lvlth ille Capital One-" mobile app =-5)'' 'r",'TegtbPK"I'car'6'01irotvtOr5fhw'riil'daxilikhtetBPr'Pt: „,';.,'=sxwntpjsaat(FB'mtratial tp'san'v'ga'pvp)yg(,","bi.'::BI';.. Capital One Bank (USA), N.A. P.O. Box I.0599 City of Industry, CA 9171t.-0599 I " I'I I'IIIIIIIII II IIIIII IIIII I II " IIIIII » II II I llitlill 222 4 9 2 5 1 4 4 6 5 5 5 5 0 2 3 7 0 0 0 1 4 5 0 0 5 001 Cade next to How do we calculate your your APR(s) APR(s)zlndex+margin P Pnme Rate + margin L 3 month LIBOR+ margin D Pnme Rate+ margin F i I month LISOR+margrn ow can I Avoid Membershio Feesy If a R When your APR(s) will change The first day of the Billing Cycles that end rn Jan, April, July, and Oct. The first day of each Billing Cycle H enewai Notice rs pnnted an thrs statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day rn Ihe Billing Cycle covered by this statement to request that we close your account To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can I Close Mv Account'I You can contact Customer Service anytime to request that we close your account How can I Avoid Pavina Interest Charoes'I If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you drd not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charac aeelied7 Interest Charges accrue from the dale of the transaction or the first day of the Bilting Cycle. Interest Charges accrue on every unpaid amount untri il is paid in fug. This means you may owe Interest Charges even if you pay the entire New Balance for one Bibing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Charge of $0.50 for each Billing Cycle rf your account is subiect to an Interest Charge. How do vou Calculate the fnterest Charaeg We use a method called Average Daily Balance (including new transactions). I, First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interes! Charge an the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment However, if your previous statement balance was zero or a credit amount, new transaciions which post to your purchase segment are not added Io the daily balance. 2. Next, for each segment, we add Ihe daily balances together and divide the sum by the number of days in the Biging Cycle 1he result is the Average Daily Balance for each segment. 3. At the end of each Bigmg Cycle, we multiply your Average Daily Balance for each segment by the darly periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days rn the Billing Cycle. We add Ihe Interest Charges for ag segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance rs referred to as the Balance Sub)act to interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the interest Charge actually assessed. How can mv Variable APR chenoe7 Your APRs may increase or decrease based on one of the following indices (reported in The Wall Slreel Journal ) The letter code befow corresponds with the letter next to your APRs in the Interest Charge Calculation sectron of Ibis statement How do vou Process Pevments'I When you make a payment, you authonze us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as saon as the same day we process your payment. How do vou Aoolv Mv Pavmant'I We generagy apply payments up to your Minimum Payment first to the balance with the lowest APR (induding 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Bigina Riahts Summarv (Does no~tA I to Small Business Accountsi What To Do If You Think You Find A Mistake On Your Statement. If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 841 30-0285. In your letter, give us the fogowing information: ~ Account information: Your name and account number. ~ Dollar amount: The dollar amount of the suspected error. ~ Description of Problem: If you think there is an error on your big, describe what you believe is wrong and why you believe il rs a mistake You must contact us within 60 days after the error appeared an your statement. You must notify us of any potential errors in wnling. You may call us or notryy us eleclronicagy, but rf you do we are not required to investigate any potential errors and you may have to pay lhe amount rn question. We will nohfy you rn wnting within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true. ~ We cannot try to cogect Ihe amount in question, or report you as delinquent an that amount. The charge in question may remain on your statemenl, and we may continue to charge you interest on that amount. But, rf we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount ~ Vyhile you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we wig send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bzl is correct Your Rights If You Are Dissatisffed With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tned rn good faith to correct the problem with the merchant, you may have the nght not to pay the remaining amount due on the purchase. To use this nght, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credrt card account do not qualify; and 2) You must not yet have fully pard for the purchase. If ag of the cnteria above are met and you are sbll dissatisfied with the purchase, contact us in writing at Capital One, P 0 Box 30285, Salt Lake City, UT 84130-0285 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will teil you our decision At that point, if we think you owe an amount and you do not pay we may report you as delrnqueni ETC-08 2016 Capital One Capital One is a federagy registered service mark 11/gill 6 Chanaina Mailina Address? You can change your address rmmedrately at caprtalone corn or complete the informatron below, and return thrs coupon with your payment Please pnnt usrng blue or black rnk. How do I Make Pavmentsv You may make your payment rn several ways 1 Online Banking by togging into your account, 2 Caprtai One Mobrie Banking app for approved electronic devices, 3 Cagrng the telephone number lrsted on the front of thrs statement and provrdrng the required payment rnformatron, 4. Sending marl payments to the address on ihe front of thrs statement with the payment coupon or your account information. Street.. City... State. Phone. Email... Zip code When will vou Credit Mv Pavment'I ~ For mobile, online or over the phone, as of the business day we receive rt, as long as it is made by 8 p m. ET. For marl, as of the business day we receive it, as long as rt rs received by 5 p m local time al our processing center You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) business days for mail delivery. Mailed payments received by us at any other location or payments rn any other form may not be credited as of the day we receive them. 223 Page 2 of 2 World MasterCard Account Ending in 4925 Nov. 15, 2017 - Dec. 14, 2017 I 30 days in Binmg Cycle ., ':;:;: V'ill're'isr .j lie'ji li i",-„'etj'';:.,:: ''j'it''pie fi"„Oi i'rl;* -"iiii!' MELANY BASA ¹4925: Payments, Credits and Adjustroents Date Description Amount Dec 3 CAPITAL ONE MOBILE PYMTAuthDate - $ 237.00 03-Dec 300064 '-: Stay on top of your credit score. Monitor your credit score with CreditWise built right into the Capital One'obile app. MELANY BASA ¹4925: Transactions Date Description Dec 10 SAr EWAY 431GSAN JOSECA MELANY BASA u4925: Total Total Transactions for This Period Amount $ 120.63 $120.63 $120.63 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $98.91 interest Charge on Cash Advances $0.00 interest Charge on Other Balances $0 00 Total Interest for This Period $98.91 Total Fees charged in 2017 $25.00 Total Interest charged in 2017 $972.47 Your Annual Percentage Rate IAPR) rs the annual rnterest rate on your account Type of Balance Annual Percentage Balance Subject Interest Charge RatelAPR) to Interest Rate Purchases 25.90% P $4,646.37 $98.91 Cash Advances 25.90% P $0.00 $0 00 P,L,D,F = Venable Rate. See reverse of page I for details. 224 Lme~llt&lo Page 1 of 2 World Mastergard Account Ending in 4925 Dec. 15, 2017 - Jan. 14, 2018 I 31 days in Bilting Cycle I m Illlllllt:la'ayment Due Date Feb. 11, 2018 For online and phone payments, the deadlme is Bpm ET. New Balance $5,061.37 Minimum Payment Due $ 161.00 LATE PAYMENT WARNING: If we do not receive your mmimum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more m mterest and it wrli take you longer to pay off your balance. For example: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance $4,655.55 $ 152.23 $0. 00 + $447.40 + $0.00 + $0.00 + $ 110.65 = $5,061.37 Mmimum Payment 20 Years $ 15,133 Credit Limit Available Credit (as of Jan. 14, 2018) Cash Advance Credit Limit $5,750.00 $688. 63 $ 150.00 $204 3 Years $7,356 Avatiable Credit for Cash Advances $ 150.00 Estimated savings if balance rs pard off rn about 3 years: $ 7,777 if you would like mformetforr about credit counselmg services. eau !-888 326-8055 Account Notifications 01 Welcome to your account notrfrcatrons. Check back here each month for important updates about your account. Pay or manage your account on our mobile app or at v, rr ".", ta . r Customer Service 1.800-903-3637 See reverse for fmportant Infonnatron Please send us this pomoa of your statement eod only one cireck lor ooe money order) to Qafgsrififafgofyg»7 ensure your payment rs processed promptly. Auow at least seven busmess days for delrvery SOOO19 New Balance $ 5,061.37 Minimum Payment Due $ 161.00 MELANY BASA 4400 THE uloODS Da APT 1724 SAN JOSE. CA 9513l -3af 0 life»l Payment Due Date: Feb. I I, 2018 Account Ending in 4925 Amount Enclosed Pay your bill on the go. Pay your bill sr.cureiy and reverent.ansactrons witn the Capital one" mobile app i'',r;,&',kg~~g'tyyIE',8'P!40$07iTitj'i'dPvirnf'Pdadutlj$$+~'ll',~.'-',',"BF ~-,".':ll'TA'eat"sospff7''Ox'atlafali$fftfm'@$'jjijik~"*''W~~~:p~, -';,. CaPital One Bank (USA). N.A. P.O. Box f 0599 City of Industry. CA 9l,ylt.-059'I i " lil I'lliiill'I il Iiilii » iii 'l " illiili'Ii II 'il'fill 225 1, 9 2 5 1 1, 5 0 6 1 3 7 0 1 2 0 0 0 0 1 6 1 0 0 2 How can I Avoid Pa~in Interest Charoesy If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in fug with no Interest Charges, but then you do not pay your next New Balance m full, we will charge interest on Ihe portion of the balance that you drd not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Char~ca lied2 Interest Charges accrue from fhe date of the transaction or the first day of the Biging Cycle. Interest Charges accrue on every unpaid amount until it is pard in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but drd not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charoe2 We may assess a minimum Interest Charge of $0.50 for each Brlirng Cycle if your account is subject to an Interest Charge. How do vou Calculate the Interest Charqe'2 We use a method called Average Daily Balance (rnciuding new transactions). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodrc Interest Charge on the previous day's balance. Then we subtract any payment and credits for that s gment as of that day. The resuff is th" daily balance for each segment However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, tor each segment, we add the dariy balances together and divide the sum by the number of days in lhe Brilrng Cycle. The resutt is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Dariy Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges for ail segments together The result rs your total Interest Charge for the Bigrng Cycle The Average Daily Balance rs referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation sectron of thrs Statement NOTE Due to rounding or a mmrmum Interest Charge, this calcuiatron may vary skghtly from the Interest Charge actually assessed. How can mv Variable APR chance 2 Your APRs may rncrease or decrease based on one of the fogowing indices (reported rn The Wall Street Journal ). The leNer cade below corresponds with the letter next to your APRs m the interest Charge Calculation sectron of ttxs statement Code next to How do we calculate your When your APR(s) will change your APR(s) APR(s)2 Index+ margin P Prime Rate+ margin The first day of the Brlirng Cycles that L 3 month LIBOR r margin end in Jan., Apnl, July, and Oct. D Pnme Rate+ margm The first day of each Billing Cycle. F I month LIBOR+ margin How can I Avoid Membershio Fees2 If a Renewal Notice rs pnnted on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Brlkng Cycle covered by thrs statement to request that we close your account To avoid paying a monthly membershrp Fee, close your account and we will stop assessmg your monthly membership Fee. How can I Close Mv Account'I You can contact Customer Service anytime to request that we close your account ~ Account information: Your name and account number. ~ Dollar amount: The dolar amount of the suspected error. ~ Description of Problem: If you think ihere is an error on your bill, describe what you believe is vvrong and why you believe it is a misiake. You must contsci us within 60 days affer the error appeared on your statement. You must notify us of any potential errors in writing. You may cail us or nohfy us electronically, bul if you do we are not required to rnvesligate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your leNer While we investigate whether or not there has been an error, the following are true: ~ We cannot try to coffect the amount in question, or report you as delinquent an that amount. The charge in question may remain on your statemeni, and we may continue to charge you interest on that amount. But, rf we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related Io Iha! amount. ~ While you do nol have to pay the amount rn question until we send you a notice about the outcome of our investigation, you are responsrble for the remainder of your balance. ~ We can apply any unpaid amount against your credit limit. Within 00 days of our receipt of your letter, we will send you a wntten notice expiarning either that we corrected the error (to appear on your next statement) or Ihe reasons we believe the brg Is cermet. Your Rights If You Are Dissatisfied With Your Purchase: If you are drssatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem wrth the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: I) You must have userl your credrt card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credkt card account do not qualify; and 2) You must not yet have fully pard for the purchase If ag of the cnteria above are met and you are strii drssatis5ad with the purchase, contact us in wnting at'apital One, P.O Box 30285, Salt Lake Crty, UT 64130-0285 While we investigate, the same rules apply to the drsputed amount as drscussed above. After we finish our investigation, we wrg teff you our dedsion At that pornt, rf we thrnk you owe an amount and you do not pay we may report you as delrnquent 2016 Capital One. Capital One rs a federagy registered service mark ETC-0811/01/I 6 001 How do vou Process Pavments2 When you make a payment, you authorize us to inilrate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authoriize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process rt as a check transaction. Funds may be withdrawn from your bank account as soon as Ihe same day we process your payment. How do vou Aoolv Mv Pavmant2 We generally apply payments up to your Minimum Payment h'rst to the balance with the lowest APR (including 0% APR), and than to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with Ihe highest APR, and then to balances with lower APRs. ~Billin Ri hts Summarv IDoes not Aoolv to Small Business Accountsi What To Do If You Think You Find A Mistake On Your Statement if you think there is an error on your statemenl, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. In your fetter, give us the following information: Chanaina Ma(jina Address? You can change your address immediately at capitaione corn or complete the information below, and return this coupon with your payment Please print using blue or black rnk. How do I Make Payments& You may make your payment rn several ways: 1. Online Banking by logging into your account, 2. Capital One Mobile Banking app for approved eiectronrc devices, 3 Calling the telephone number listed on the front of this statement and providing ihe required payment information; 4. Sending mari payments to the address on the front of this statement with the payment coupon or your account inforrnatron Street ... City. State Phone.. Email 2ipcode. When will vou Credit Mv Payment2 ~ For mobile, online or over the phone, as of the business day we receive rt, as long as rl rs made by 8 p m. ET. For mail, as of the business day we receive rt, as long as it w received by 5 p m. local time at our processing center You must send the bottom portion of thrs statement and your check to the payment address on the front of this statement. Please agow at least seven (7) business days for marl dekvery. Mailed payments recewed by us at any other locabon or payments rn any other form may not be credited as of the day we recerve them. 226 Page 2 of 2 World MasterCard Account Ending in 4925 Dec. 15, 2017 - Jan. 14, 2018 I 31 days in Billing Cycle . *Ilrv- .'Visit."mmi:.'cp~wdftorr'o c'Rk-'yo"'se'eh'trptsailejib'ft'ait¹adtiisnu w'~",",'I MELANY BASA ¹4925: Payments, Credits and Adjustments Date Description Amount Dec 20 CAPITAL ONE MOBILE PYMTAuthDate - $32 23 19-Dec Dec 31 CAPITAL ONE ONLINE PYMTAuthDate - $ 120.00 31-Dec ~~== fil~kpjs~¹FIWlFj Wia. Your Annual Percentage Rate lAPR) rs the annual mterest rate on your account. Type of Balance Purchases Annual percentage Balance Subject Interest charge Rate(APR) to Interest Rate 26.15% P $4,982.50 $ 110.65 P,L,D,F = Variable Rate. See reverse of page 1 for details Cash Advances 26.15% P $0.00 $0.00 MELANY BASA ¹4925: Transactions Date Description Dec 17 FUZ BAR AND GRILLSAN JOSECA Dec 18 CI.IEVRON 0359622SAN JOSECA Dec 21 BENI HANA CUPERTINOCUPERTINOCA Dec 22 BELLAGIO STUDIO SALONSAN JOSECA Dec 23 AMAZON.COM AMZN.COM/BIAMZN.COM/BILLWA Dec 28 AMAZON MKTPLACE PMTS WWWW.AMAZON.COWA MELAN Y BASA ¹4925: Total Total Transactions for This Period Amount $26.00 $50.68 $265.44 $38. 00 $40.00 $ 27.28 $447 40 $447.40 snncen i Stay on top of your credit score. Mcmtcr your credit score with CreditWise'mit right into the Capital One'ob le app. +go;;gtjs~d&@pffbaakg(@mr'p'p.';,bf'ZipjipgPr:'ate Description Amount Total Fees for This Period $0.00 L =fdtdrbnt/Charged, „-,'.', "'vent n 9 Interest Charge on Purchases $ 110.65 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances Total interest for This Period $0.00 $ 110.65 201.7: TotalsvYear-to-Date Total Fees charged In 2017 Total Interest charged in 2017 $0.00 $ 110.65 227 Page 1 of 2 World MasterCard Account Ending in 4925 Jan. 15, 2018- Feb. 14, 2018 I 31 days in Biuing Cycle 1lll I II ~ ~ I a"- aarmatms Payment Due Date Mar. ii, 2018 New Balance $4,992.25 For onhne and phone payments, the deadline is Bpm ET. Minimum Payment Due $ 162.00 Previous Balance Payments Other Credits Transactions $5,061.37 $ 199. 93 $0.00 + $ 18.56 LATE PAYMENT WARNING: If we do not receive your mmimum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more m mterest and it will take you longer to pay off your balance. For example: Cash Advances Fees Charged Interest Charged New Balance + $0.00 + $0.00 + $ 112.25 = $4,992.25 Credit Limit $5,750.00 Available Credit (as of Feb. 14, 2018) $757.75 Estimated savings if balance is paid off in about 3 years $ 7,647 Cash Advance Credit Limit Available Credit for Cash Advances $ 150.00 $ 150.00 lf you 'would like information about credit counseliag senrices. call 1-888-325 8055 ua8 Account Notifications You are enroned in AutoPay. You'e selected to pay $ 120.00, which will be debited from your bank account on your Due Date It your payment is less than the mimmum amount due, make an additional payment to meet that amount. If your payment is more than your current balance, we wiu only debit the current balance. Pay or manage your account on our mobile app or at Customer Serwce. 1-800-903-3637 See reverse for Important Information Please send us this portion of your stateiaent and only one check for one aioney orderi ts ff BrdaratMaffofte'nsure your payment is processed aromatly ADow at least seven busmess days for iltlivery. 400090 New Balance $4,992.25 Minimum Payment Due $ 162.00 lTELANY BASA 9'iou THE kiOODS DB APT 1729 SAN JOSE. CA 9513I,-3iu 0 Payment Due Date: Mar. 11, 2018 Account Ending in 4925 Amount Enclosed tact the app designed 05 a to save time. Fitortl:msiy manage yni ir accpuiil oil tile c10 willi the C pit i One mobil,". app ',:,.'-"",';$OTiplf8 0$19$689w89 1 toidprwnliopd,,thte'Fe'piis,'rs ,'*wr'apital One Bank (USA) N A P O. Box u0599 City of Industry CA '9171k-0599 I " I'I lillliillil II'llllil'llll ' il " lllillilll Il I lil'Ilil 228 4 9 2 5 1 4 4 9 9 2 2 5 0 1 2 0 0 0 0 1 6 2 0 0 2 How can I Avoid Pavina fnterest Charaes'I If you pay your statement's New Balance in full by the due date, we will nol charge you interest on any new transactions that post to the purchase segment, If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay, For Cash Advances and Special Transfers, we wilt start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases Please refer to the front of your statement for additional information. How is the Interest Charac aoolied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charac? We may assess a minimum Interest Charge of 30.50 for each Billing Cycle if your account is subject to an Interest Charge. Balance (including new transactions). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days m the Billing Cycle The result is the Average Daily Balance for each segment 3.At the end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periodic rale (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Bilkng Cycle. We add the Interest Charges for all segments together The result is your total fnterest Charge for Ihe Billing Cycle. The Average Daily Balance is referred to as the Balance Subject Io Interest Rate in the Interest Charge Calculation section of this Statement NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can mv Variable APR chanae? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement Code next to I How do we calculate your I When your APR(s) will change your APR(s) APR(s)? index+ margin P Prime Rate+ margm L 3 month LI BUR + margin D Pnme Rate+ margm The first day of each Billing Cycle. F ImonthLIBOR+margin How can I Avoid Membersh~IFees? If a Reneival Notice is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement Io request that we close your account To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee How can I Close Mv Account? You can contact Customer Service anytime to request that we close your account 001 How do vou Process Pavments? When you make a payment, you authorize us to initiate an ACH or electronic payment that wifi be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from Ihe check to make a one.time ACH or other electronic bansfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Aoolv Mv Pavment7 We generally apply payments up to your Minimum Payment first to the balance with Ihe lowest APR (mcluding 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs ~Billin Riohts Summarv IDoes not Aoolv lo Small Business Accounts) What To Do If You Think You Find A Mistake Dn Your Statement: If you think Ihere is an error on your statement, write to us at: Capital One P.O. Box 30285 Sall Lake City, UT 84130-0285 In your letter, give us the following information: ~ Account information: Your name and account number. ~ Dollar amount The dollar amount of the suspected error. ~ Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days afier the error appeared on your statement. You must notify us of any potential errors in writing You may cail us or notify us electronically, bul if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true. ~ We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may conbnue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. ~ While you do not have lo pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a wntten notice explaining either that we conected the error (to appear on your next statement) or the reasons we believe the bill Is correct Your Rights If You Are Dissatisfied With Your Purchase; If you are drssatisfied with the goods or services that you have purchased with your credit card, and you have tried in goad faith to correct Ihe problem with the merchant, you may have the nght not to pay Ihe remaining amount due on the purchase. To use this right, the following must be true: I) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have fully paid for the purchase. If all of the cntena above are met and you are still dissatisfied with the purchase, contact us in writing at Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285 While we investigate, the same rules apply to the disputed amount as discussed above After we fi ~ ish our investigation, we wilt tell you our damsion At that point, if we think you owe an amount and you do not pay we may report you as deknqueni ETC.08 2016 Capital One Capilal One is a I'ederaiiy registered service mark 11/01/15 Chanfi(in(T Mailin(( Address? You can change your address immediately at capitalone corn or complete the information below, and return this coupon with your payment Please pnnt using blue or black ink. How do I Make Pavmentsv You may make your payment in several ways 1. Online Banking by logging into your account; 2. Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on Ihe front of this statement and providing Ihe required payment infoimalion; 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street City .. State . Phone. Email Zip code When will vou Credit Mv Pavment? ~ For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center You must send the bottom portion of this statement and your check to the payment address on the front of this statement Please allow at least seven (7) business days for mail delivery Mailed payments received by us at any other locabon or payments in any other form may not be credited as of the day we receive them. 229 Page 2 of 2 World Mastergard Account Ending in 4925 Jan. 15, 2018- Feb. 14, 2018 I 31 days in Billing Cycle ~ mt s knu trl s Ill sn: " ':-'„- Ytejt;Wtu'W':CVTif'jtar~iWW'tu':Pee':dOvtajled:tiarieautln'rta-'*,u I MELANY BABA ¹4925r Payments, Credits and Adjustments Date Description Amount soooas Protect your credit score. Detect fraud with automatic alerts if your credit report changes with Cred 1Wme*- builr nght into the Capital One'obile app. Jan 18 CAPITAL ONE ONLINE PYMTAuthDate 18-Jan Feb 4 CAPITAL ONE ONLINE PYMTAuthDate 03-Feb Feb 11 CAPITAL ONE AIJTOPAY PYMTAuthDate 29-Jan $61.37 $ 18. 56 - $ 120.00 MELANY BASA ¹4925: Transactions Date Description Amount Jan 19 AMAZON MKTPLACE PMTSAMZN.COM/8ILLWA MELANY BASA ¹4925i Total $ 18.56 $18.58 Total Transactions for This Period $ 18.56 Date Description Amount Total Fees for This Peried $0.00 Interest Charge on Purchases $ 112.25 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $ 112.25 2018iTwtrtnls,,Yvptar,trs Date L Total Fees charged in 2018 Total Interest charged in 2018 $0.00 $222.90 Your Annual Percentage Rate IAPR) is the annual mterest rate on your account Type ef Balance Purchases Annual Percentage Rate(APR) 26.15% P Balance Subject Interest Charge to Interest Rate $5,054.37 $ 112.25 Cash Advances 26.15% P $0.00 $0.00 P,CD,F = Venable Rate See reverse of page I for details. 230 Page I of 2 World MasterCard Account Ending in 4925 Feb. 15, 2018 - Mar. 14, 2018 I 28 days in Billing Cycle ~g~iIIHliitr . Payment Due Date IB,Pr. 11, 2018 New Balance $4,912.72 For online and phone payments, the deadline rs Bpm ET. Mmimum Payment Due $ 149.00 LATE PAYMENT WARNING: If we do not receive your mmrmum payment by your due date, you may have to pay a late fee of up ta $35.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more m mterest and it writ take you longer to pay off your balance. For example: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged Ne'Ar Balance i~nWAÃin tiliinni 8 $4,992.25 - $ 180.00 $0.00 + $0.00 + $0.00 + $0.00 + $ 100.47 - $rt 917 77 Estimated savmgs rf balance is pard off rn about 3 years. $7,523 Credit Limit Available Credit (as of Mar. 14, 2018) Cash Advance Credit Limit Available Credit for Cash Advances $5,750.00 $837.28 $ 150.00 $ 150.00 if you would bke mformatron about credit counsebng servrces, cail 1-888-326-8855 Account Notifications ~j Welcame to your account notifications Check back here each month for important updates about your account Pay or manage your account on our mobile app or at Customer Serwce 1 800 903 3637 See reverse for important information Payment Due Date Apr. 11, 2018 New Balance $4,912.72 Minimum Payment Due $ 149.00 Account Ending rn 4925 Amount Enclosed Please send us tins portron of your statement end only one check for one money order) to gf Eaa if~gg .'nsure your Payment rs Processed PrmnPtly Allow at tenet seven busmess rleys ter dehverytp 01' E' aosu Pay your bill on the go. Pay your bill securely and review t ansactrans wrt'r the Capital one'mobile app MELANV BASA 4400 THE etaODS Dn APT 1724 SAN JOSE. CA 9513k-3810 '4~~,'TEA'10%$0'txocftt1'tlngo@ritp'0'dittrtreraxti'tst.:.I ': "...~XXVii;:ivx:;."'flirted'-:lvigss'60@$9fbtNyatxe'Anii'„=ytemifpry!:.Max '.„'- Capital One Bank tUSA) N.A. PRO. Box BCrs'I't City of Industry. CA 9171t -0599 I " III Itlllllllli il Ililll IIIII I II " Illlllllli II I lllillll 23 1 4 9 2 5 1 4 4 9 1 2 7 2 0 1 8 0 0 0 0 1 4 9 0 0 6 D Pnme Rate+ margm F I month LI BUR r margin The first day of each Billing Cycle How can I Avoid Membersh~&Fees7 if a Renewal Notice is pnnted on this statement, you may avoid paying an annual membership Fee by contactmg Customer Service no later than 45 days after the last day in the Bilkng Cycle covered by this statement to request that we close your account To avoid paying a monthly membership Fee, close your account and we wil stop assessmg your monthly membership Fee How can I Close M~ Account'I You can contact Customer Seance anybme to request that we close your account How can I Avoid Pavina Interest Charoes'7 If you pay your statement's New Balance in full by the due date, we wifi not charge you interest on any new transactions that post to the purchase segment. if you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advanrxm and Special Transfers, we will start charging Interest an the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases Please refer to the front of your statement for additional information. How is the Interest Charac aooliedy Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account Do vou assess a Minimum Interest Charoey We may assess a minimum interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do vou Calculate the Interest Charac'I We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we take the beginmng balance each day and add in new transactions and the periodic Interest Charge on Ihe previous day's balance, Then we subiram any paymenis and crediis ior ihai segmeni as of that day. The resulr is the daily balance for each segment. However, if your previous statemenl balance was zero or a credit amount, new transacfions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges for aff segments together The result is your total interest Charge for the Bitiing Cycle The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement NOTE Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can mv Variable APR chanoe7 Your APRs may increase or decrease based on one of the fallowing indices (reported in The Wail Streef Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement Code next to How do we calculate your When your APR(s) will change your APR(s) APR(s)7 Index+~mar in P Pnme Rate r margin The first day of the Billing Cycles that L 3 month LIBOR+ margin end in Jan., Apnl, July, and Oct ~ Account information; Your name and account number. ~ Dollar amount; The dollar amount of the suspected error. ~ Description of Problem'f you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, bu! if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in wribng within 30 days of our receipt ot'our letter. While we investigate whether or not there has been an error, the fogowing are true ~ We cannot try lo collect Ihe amount m question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to thai amount. ~ While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit limit Within 90 days of our receipt of your letter, we will send you a wntten notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe lhe bifi Is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the iight not to pay the remaining amount due on the purchase. To use this nght, the following must be true; I) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have fully paid for the purchase If afi of the cnteria above are met and you are sbfi dissatisfied with the purchase, rxrntact us in writing at Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we wilt tell you our decision At that point, rf we think you owe an amount and you do not pay we may report you as delinquent 2016 Capital One Capital One is a federally regmtered service mark ETC-0811/01/16 OOL How do vou Process Pavmentsy When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account, When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Ajrolv Mv Pavmenty We generally apply payments up to your Minimum Payment firsl to the balance with We lowest APR (including 0% APR), end then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Paymenl to the balance with the highest APR, and then to balances with lower APRs. Biffino Riahts Summarv fDoes not Aoolv to Smail Business AccountsJ What To Do If You Think You Find A Mistake On Your Statement. If you think there is an error on your statement, wnte to us at: Capital One P.O. Box 30285 Sall Lake City, UT 84130-0285. In your letler, give us the following information; Channinn Mal(in(T Address? You can change your address immediately at capitalone corn or complete the information below, and return this coupon with your payment. Please print using blue or black ink. How do I Make Pavmentsv You may make your payment in several ways I Online Banking by logging into your account; 2. Capital One Mobile Banking app for approved electronic devices; 3 Calling the telephone number listed on the front of this statement and providing the required payment information; 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street.. Crty .. State ... Phone Emas Zip code ~When will ou Credit Mv Pavmenty ~ For mobile, online or over the phone, as of Ihe business day we receive it, as long as it is made by 8 p m ET. For mail, as of fhe business day we receive ii, as long as it is received by 5 p m. local time at our processing center You must send the bottom poriion of this statement and your check to the payment address on fhe front of this statement Please allow at least seven (7) business days for mail delivery. Mailed payments received by us at any other location or payments in any other form may not be credited as of the day we receive them 232 Page 2 of 2 World Masteroard Account Ending in 4925 Feb. 15, 2018- Mar. 14, 2018 I 28 days m Billing Cycle :-:;:-'.;Visit'-:.,""iltf~&&fiat'brio&i4jito'vs'ee',deja'ile'ditr'an's'a'ctiori's:-:='„-'= =::.'j4 MELANY BAsn ¹4925: payments, credits and Adjustments Date Description Amaunt Boooa6'et the app designed to save time. 'ffortlessly manage your account on the go with , the Capital One" niobile app. Mar 10 CAPITAL ONE MOBILE PYMTAuthoate 04-Mar - $ 180 00 MELANY BASA ¹4925: Transactions Date Description Amount Date Description Amount Total Fees for This Period SO.OO Interest Charge on Purchases $ 100 47 Interest Charge on Cash Advances interest Charge on Other Balances Total interest for This Period $0 00 $0.00 $ 100.47 Total Fees charged m 2018 $0.00 Total Interest charged in 2018 $323.37 Your Annual Percentage Rate (APRI is the annual interest rate on your account Type at Balance Purchases Annual Percentage Balance Subject Interest Charge Rate(APR) to Interest Rate 26.15% P $5,008 64 $ 100 47 Cash Advances 26 15% P $0.00 $0 00 P L,O,F = Vanable Rate. See reverse of page 1 for details 233 CuHgfnl~'age I of 2World MasterCard Account Ending in 4925 Mar. 15, 2018- Apr. 14, 2016 I 31 days in Billing Cycle h II . tth)t~e 1%%IIIl ill I I I I I I I t: Ia'g~~ Payment Due Date May 11, 2018 New Balance $4,874.65 For online and phone payments, the deadline is Bpm ET. Minimum Payment Due $ 159.00 U:w LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each penod, you will pay more in interest and it will take you longer to pay off you- balance. Fm example: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance Credit Limit $4,912.72 $ 149.00 $0.00 + $0.00 + $0.00 + $0.00 + $ 110.93 = $4,874.65 $5,750.00 Minimum Payment $ 197 20 Years 3 Years $ 14,640 $ 7,106 Available Credit (as of Apr. 14, 2018) Cash Advance Credit Limit Available Credit for Cash Advances $875.35 $ 150.00 $ 150.00 Estimated savings if balance is paid off in about 3 years $7,532 if you would tike information about credit coun selmt services, cail 1-888-328 8055 QP gc/P nceh. '. 4)f9')gygeenf +11ergtfdkdlP":''hi Pd.'-lthls: Patio'd Account Notifications You are enroned in AutoPay. You'e selected to pay the minimum amount due, which will be debited from your bank account on your due date. It your payment is more than your current balance, we will only debit the current balance Pay or manage your account on our mobile app or at Customer Service: I BOO-903-3637 See reverse for Important Information Please send us this porhon of your statement anrl only one theth lhr one money order) to If &777rlff~fgJ Ie ensure your payment is processed Promptly. Anow at least seven busmess days for dehvery IOO035 New Balance $4,874.65 Minimum Payment Due $ 159.00 MELANV BASA 4rion THE WOODS DR APT 1724 SAN JOSE. CA 95131-38hii Payment Due Date. May I I, 20I 6 Account Ending in 4925 Amouiit Enclosed $ , Make a statement ,-= BO:: Go PaPerless. Stop waitir ri for!cur bi! I to a i nve in the n'oil ond 9o Iharhcr css tocloy ,'Liiq'In'tws7o'cJ4cvciottrr7t'tt tmvaatiie'tli~svtlithckh:tp':"jakarta'ss Capital One Bank (USA). N A. P.o. Box tn599i Crty of industry. CA 9171h-Ci599 I " lii n IIIIIIIII II Ililil IIIII I II " Illillt'ii II " lil'IIII 234 4 9 2 5 1 4 4 8 7 4 5 5 0 1 4 9 0 0 0 1 5 9 0 0 8 How can I Avoid Pavino Interest Charoes'7 If you psy your statement's New Balance in futl by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest an the transaction date. Ceriain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the fnterest Charac aoolied7 Interest Charges accrue from the date of the transaction or the iirst day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Bifirng Cycle, but drd not do so the previous Billing Cycle. Unpaid interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charoe? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your acrxrunt is subject to an Interest Charge. How do vou Calculate the Interest Charac'7 We use a method called Avemge Daily Balance (rncluding new transactions). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of th t day. The result i the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Briling Cycle. The result is the Average Daily Balance for each segment 3.At the end of each Billing Cycle, we multiply your Average Daily Balance lor each segment by the dariy penodic rais (APR divided by 365l for that segment, and then we multiply the result by the number of days in the Biting Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Biiirng Cycle The Average Daily Balance rs referred to as the Balance Subject to Interest Rate rn the Interest Charge Calculation section of this Statement NOTE Due to rounding or a mrnrmum fnterest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can mv Variable APR chanoe7 Your APRs may rncrease or decrease based on one of the following mdices (reported rn The Wall Street Journal ). The letter code betow corresponds with the letter next to your APRs in the interest Charge Calcufalion section of this statement. When your APR(s) will changeCode next to How do we calculate your your APR(s) APR(s)7 fndex+ margin P Prime Rate r margin L j 3 month LIBOR r margin D Pnme Rate+ margin F I monthLIBOR+margin ow can I Avoid Membershio Fees? If a R The first day of the Billing Cycles that end rn Jan, Apnl, July, and Oct. The first day of each Brliing Cycle. H enewal Notice is pnnted on this statement, you may avord paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we wrfi stop assemrng your monthly membership Fee How can I Close MY Accountg You can contact Customer Senrrce anytime to request that we close your account 001 How do vou Process Pavments'I When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related aocount. When you provide a check or check information to make a paymenl, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process rt as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Aonlv Mv Pavme~ni We generally apply payments up to your Minimum Payment first to the balance wrth the lowest APR (including 0% APR), end then to balances with higher APRs. We apply any part of yourpaymenl exceeding your Minimum Payment to Ihe balance with the highest APR, and then to balances with lower APRs. Bifiino Riuhts Summanr IDoes not AJrolv to Smail Business Accounlsi What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us ak Capital One P.O. Box 30285 Salt Lake City, UT 841 30-0285. In your letter, give us the following information: ~ Account information: Your name and account number. ~ Dollar amount: The doifar amount of the suspected error. ~ Description of Problem: If you think there is an error on your bill, describe what you bali ve is vrrong and why you believe il rs a mistake, You must contact u" within 60 days after the error appeared on your statement. You must nobfy us of any potential errors in wnting. You may call us or notify us electronicaily, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you rn wnlrng within 30 days ol our receipt of your letter. While we investigate whether or not there has been an error, the following are true: ~ We cannot try to cofiect the amount rn question, or report you as delinquent on Ihat amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, rf we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount ~ While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsrble for the remainder of your balance ~ We can apply any unpaid amount against your credit limit Within 90 days of our receipt of your letter, we will send you a wntten notice explaining either that we corrected the error (lo appear on your next statement) or lhe reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct ihe problem with ihe merchant, you may have the right not to psy the remarnrng amount due on!he purchase. To use this nght, the following must be true; 1) You must have used your credkl card for the purchase Purchases made with cash advances fram an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have fully paid for the purchase If all of the cntena abave are met and you are slrii drssabsfied with the purchase, contact us in writing at: Capital One, P 0 Box 30285, Salt Lake Crly, UT 84130-0285 While we investigate, the same rules apply to the disputed amount as discussed above After we frnwh our investigation, we writ teil you our decision At that point, rf we think you owe an amount and you do noi pay we may report you as delinquent ETC-08 2016 Capital One Caprtai One ra a federally registered service mark 11J0U16 Chanajna jjjlajlina Address? You can change your address rmmedrstely at caprlalone corn or complete the rnformabon below, and return this couporr wrth your payment. Please print using blue or black ink. How do I Make P~amenls? You may make your payment rn several ways; 1. Onkne Bankrng by loggrng rnto your account, 2. Caprtai One Mobrle Banking app for approved electronic devices; 3 Calkng the telephone number sated on the front of this statement and provrdrng the requrred payment rnformatron, 4. Sending marl payments to the address on the front of lhrs statement wrth the payment coupon or your account information Street.. Crty State.. Phone.. Email Zrp code ... When will vou Credit Mv Pavment 7 ~ For mobile, online or over the phone, as of the business day we receive rt, as long as it is made by 8 p.m. ET. ~ For marl, as of the business day rve receive rl, as long as rt rs received by 5 p.m. local time ai our processing center. You must send the bottom portion of this statement and your check to the payment address an the front of this statement Please allow at least seven (?) busrness days for mail delivery Mailed payments received by us at any other locatron or payments rn any other form may not be credited as of the day we receive them. 235 Page 2 of 2 World MasterCard Account Ending in 4925 Mar. 15, 2018 - Apr. 14, 2018 I 31 days in Biilmg Cycle ~ mtehu:tee ifeteg- Yjsit;;~ "i''i p44jikiifrjito'gsefo'bdetoi le'd. t'rregncsa'etio')tea;--':",,"-:.'op&, MELANY BASA ¹4925: Payments, Credits and Adjustments Dale Description Amount scones Protect your credit score. Detect fraud with automatic alerts if your credit report changes ivith Creditwise"-hiiilr right intn the Capital One mobile app. Apr 11 CAPITAL ONE AUTOPAY PYMTAuthDate 26-Mar - $ 149.00 MELANY BASA ¹4925r Transactions Date Description Amount :,'i',:-,::,--'::,:iii'~i-,, '",v:::u;:,-,:i:',,,::-::,-:i::"',,- Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases Interest Charge on Cash Advances interest Charge on Other Balances Total Interest for This Period $ 1 10. 93 $0.00 $0.00 $ 110.93 Total Fees charged in 2018 $0.00 Total Interest charged in 2018 $434.30 Your Annual Percentage Rate (APR) is the annual interest rate on your account Type of Balance Purchases Annual Percentage Balance Subject Interest Charge Rate(APR) to Interest Rate 26.40% P $4,947 15 $ 110.93 Cash Advances 26.40% P $0.00 $0.00 P,L,D,F = Variable Rate See reverse of page I for details. 236 Page 1 of 2 World Mastergard Account Ending in 4925 Apr. 15, 2018- May 14, 2018 I 30 days in Billing Cycle r ~WVitiHINfsr«- ttstl= Payment Due Date JLln. 11, 2018 For online and phone payments, the deadline is Bpm ET. New Balance $5,172.75 Minimum Payment Due $ 165.00 LATE PAYMENT WARNING; If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each penod, you will pay more m interest and it will take you longer to pay off your balance, For example: ~ I ilctsls»lrt:IA'revious Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance $4,874.65 - $ 167.57 $0.00 + $351.92 + $0.00 + $0.00 + $ 113.75 - $n \ To '75 Credit Limit $5,750.00 Mmimum Payment 21 Years $ 15,602 Available Credit (as of Mav 14, 2018) Cash Advance Credit Limit $577.25 $ 150 00 $210 3 Years $ 7,543 Available Credit for Cash Advances $ 150.00 Estimated sawngs if balance is paid olf m about 3 years $8,059 If you would hke mformation about credit counselmg services, call 1-888-325-8055 g lpkd+i." Account Notifications +1 Renewal Notice - Both sides of this page prowde important intonration about your rate(s) and how your mterest charge is calculated. You are enrolted in AutoPay You'e selected to pay the minimum amount due, which win be debited from your bank account on your due date. If your payment is more than your current balance, we will only debit the current balance Pay or manage your account on our mobile app or at "s" Customer Service. 1.800 903 3637 See reverse for Important Information ft-MIEBDM~I~ne" Payment Due Date: Iun. 11, 2018 New Balance $ 5,172.75 Minimum Payment Due $ 165.00 Account Ending in 4925 Amount Enclosed Please send vs this portico of your statement end only one check (or one money order) to ensure your payment is processed Orornntlr Allow at least seven busmess days for delivery AOOOIB Get the app designed to save time. Fffoitl. ssly manage yoiir 7 account on!he gu willi the C.pilal One= mobile epp ;, ''&;,; .iitesift:01ME'.tofgf830'3)i dj'ierpioid'XBi 'ihtyp,,".; ..4 s5.;;; igrdr~j'.&Indajatdtndg'8:;Dureiretek'nmytafj'Ply.,",.'~-'- .„.„I",.I, MELANY BASA rirloo THE IIIOODS DN APT 1724 SAN JOSE. CA 95136-Bain Capital One Bank (USA) N A. P 0 Box t*05'l9 City of Industry CA 91716-0599 I "Ill »iliililil Ii i»ill »»I I II" Iii»i»» Ii I it IIIIII 237 7,925 14 5172750159000165001 your APR(s) I APR(s)? Index+ margin P Pnme Rate+ margin L 3monthLIBOR+ margin D Pnme Rate+ marginF, I month LIBOR+mergin ow can I Avoid Membershio Fees7 if a R The first day of the Billing Cycles that end in Jan, Apni, July, and OcL The first day of each Billing Cycle. H enewal Notice is pnnted on Ihis statement, you may avoid paying an annual membership Fee by contacting Customer Service no tater Ihan 45 days after the last day in the Billing Cycle covered by this statement to request Ihat we close your account To avoid paying a monthly membership Fee, close your account and we wsl stop assessing your monthly membership Fea How can I Close My Account? You can contact Customer Seance anytime to request that we close your account How can I Avoid Pavinq Interest Charoes'I If you pay your statement's New Balance tn fug by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your acta?ant in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay, For Cash Advanrxm and Special Transfers, we will stan charging Interest an the transaction date. Certain promotional offers may allow you to pay less than Ihe total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statemenl for additional informaliorr. How is the Interest Charac aoolied'? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the enlire New Balance for one Billing Cycle, but did not do so Ihe previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charac'? We may aasess a minimum Interest Charge of $0.50 for each Billing Cyde if your account is subject to an Interest Charge. How do you Calculate the Interest Charac'? We use a method called Average Daily Balance (including new transacbons). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are nol added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by!he number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3. At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for thai segment, and then we multiply the result by the number of days in the Btgtng Cycle. We add the Interest Charges for all segments together The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to fnterest Rate in the Interest Charge Calculation section of this Statement NOTE Due to rounding or a minimum Interest Charge, this calculation may vary slightly fram the interest Charge actually assessed. How can mv Variable APR chanoe? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Slrssf Journal ). The letter cade below corresponds with the letter next to your APRs in the interest Charge Calculation section of this statement. Code next to I How do we calculate your,'hen your APR{s) will change ~ Account information: Your name and account number. ~ Dogar amounlt The dollar amount of the suspected error. ~ Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may cay us or notify us eiectronicasy, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, ihe following are true ~ We cannot try to collect the amount in question, or report you as delinquent an that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, iy we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount ~ While you do not have to pay the amount in question unttf we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a wntten notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is conact. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on Ihe purchase To use Ibis nght, the following must be true: I) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have fully paid for the purchase. lf sg of the cnteria above are met and you are still dwsabsfied with the purchase, contact us in writing at Capital One, P.O Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above After we finish our mvesbgation, we will tell you our dension Ai that point, tf we think you owe an amount and you do not pay we may report you as delinquent 2016 Capital One. Capital One is a federally registered service mark ETC-0811/01/16 001 How do vou Process Pavments'? When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account We may also process it as a check transaction. Funds may be withdrawn from your bank acrxtunt as soon as the same day we process your payment. How do vou AnolILMM P~ae ? We generally apply payments up to your Minimum Payment ffrst to ihe balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment lo the balance with the highest APR, and then to balances with lower APRs. Bigina Riohts Summary IDoes not Aooiv to Small Business Accountsl What To Do If You Think You Find A Mistake On Your Statement . If you think there is an error on your statement, write to us at: Capital One P.O Box 30285 Salt Lake City, UT 84130.0285. In your letter, give us the following information; Chanaina Mailina Address? You can change your address immediately at caplalone corn or complete the informabon below, and return this coupon with your payment. Please prtnt using blue or black tnk. How do I Make Pavmentsv You may make your payment m severat ways 1. Onkne Banking by logging into your account, 2. Capital One Mobile Banking app for approved electronic devices, 3 Caging the telephone number listed on the front of this statement and providing the required payment information, 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information Street. City. State Phone Email .. Zipcode ... When will vou Credit Mv Pavment 7 For mobile, online or over the phone, as of the business day we receive tt, as iong as it is made by 8 p m. ET For mail, as of the business day we recetve it, as long as it is received by 5 p m local time at our processing center. You must send the bottom portion of this statement and your check to Ihe payment address on the front of this statement Please allow at least seven (7) business days for mail delivery Mailed payments received by us at any other location or payments in any other form may not be credited as of ihe day we raceme them 238 Page 2 of 2 World MasterCard Account Ending in 4925 Apr. 15, 2018 - May 14, 2018 I 30 days in Billing Cycle ~ Wt abd:Ira e felt R- -~~$ :5:;-:,',-..:,;,'I::ViSJL~eeapifpk'jrrreirge'~tOja'ee;detaliledftra'navarvitiOna: „",-,i'I::;I MELANY BASA ¹4925: Payments, Credits and Adjustments Date Description Amount 300086 v ', Get the app designed to save time. Effortlessly manage your account on the go with , the Capital One'rnuhde app. Apr 26 CAPITAL ONE ONLINE PYMTAuthDate 26-Apr May ll CAPITAL ONE AUTOPAY PYMTAuthDate 16-Apr - $8.57 - $ 15iJ.QO MELANY BASA 84925: Transactions Date Description Apr 13 SOUTHWES 5261435236079800-435-9792TX TK¹: 5261435236079 PSGR: NUNEZ/RAYMOND ORIG. SJC, DEST. LAS CARRIER: WN SVC T ORIG LAS, DEST: SJC CARRIER: WN SVC; M May 6 HUBBLE CONTACTS8444822531NY MELAR Y BASA ¹4925r Total Amount $333.92 $ 18 00 $351. 92 Total Transactions for This Period $351.92 Date Description Amount Total Fees for This Period $0.00 -;, - -'=-'.;-::-.'~ -::s lht'Bure'st:„C)ID'1'gwed.".",;=.':;: '-:::-vt i Interest Charge on Purchases $ 113 75 interest Charge on Cash Advances $0 00 interest Charge on Other Baiaiices Total Interest for This Period $0.00 $113.75 20j 8,TDI'al's::Yeatvttt'Brate Total Fees charged in 2018 Total Interest charged in 2018 $0.00 $548.05 Your Annual Percentage Rate (APR) is the annual interest rate on your account Type of Balance Annual Percentage Balance Subject Interest Charge Rate(APR) to Interest Rate Purchases 26 40% P $ 5,242 29 Cash Advances 26.40% P $0.00 $ 113 75 $0 00 P,L,D,F = Venable Rate See reverse of page 1 for details 239 Page I of 2 Warld MasterCard Account Ending in 4925 May 15, 2018- Jun. 14, 2018 I 31 days m Bilimg Cycle I ~ II ~ Payment Due Date Jul. 11, 2018 New Balance $5,124.52 For online and phone payments the deadlme is Bpm ET. Minimum Payment Due $ 168.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYMENT WARNING: if you make only the mmimum payment each penod, you will pay more in mterest and it will take you longer to pay off your balance. I=or example: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance $5,172.75 - $ 165.00 $0.00 + $0.00 + $0.00 + $0.00 + $ 116.77 = $5,124.52 'i* at Minimum Payment $ 208 21 Years 3 Years $ 15,438 $ 7,472 Credit Limit Available Credit (as of Jun. 14, 2018) Cash Advance Credit Limit Available Credit for Cash Advances $5,750.00 $625.48 $ 150.00 $ 150.00 Estimated sawngs if ba)ance is paid off in about 3 years $ 7,966 lf you would hke information about credit cotnsehng serwces, call 1-888-326-8055 fggacg:,niltfc tpfttitrgfpgii wl „ plidf tiij:Pa'rigd'- = Account Notifications You are enrolled in AutoPay. You'e selected to pay the minimum amount due, which will be debited from your bank account on your due date. If your payment is more than your current balance, we will only debit the current balance Pay or manage your account on our mobile app or at Customer Serwce 1-800-903-3637 See reverse tor important information Please avail us this porhon of your statement anil only one check lor one money orderl to ensure your payment is processed Oromany Allow at least seven btsrnass days for debverr ailuora New Balance $ 5, 124.52 Minimum Payment Due $ 168.00 tfELANY BASA VH00 THE IliooDS DR APT 172k SAN JOSE. CA 'f5136-3in 0 Payment Due Date: Jul. 11, 2018 Account Ending in 4925 Amount Enclosed 6 Make a statement. :.:; (i~:: Go paperless, Stop vraitrr9 for ycur bill to an iv in thc n nil nnd go frat&eras today Lyo'gx trl'tofyott'I'ri a''O'C09iunt to"mWkeAh'ex 4 witch rtotTagitrlegsc Capital One P.O. Box 60599 City of Industr y ~ CA 'i171l -0599 I " ill IIIIIIIIIII II Illlll Illil I II " Illlllliil'll" I'IIIIII 240 4 9 2 5 1 4 5 1 2 4 5 2 0 1 6 5 0 0 0 1 6 8 0 0 6 001 How can I Avoid Pavine Interest Charees? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transaclions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will star1 charging Interest on the transaction date. Certain promotional offers may allow you to pay less than Ihe total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional informalion. How is the Interest Charoe aoplied? Interest Charges accrue from the date of the transaction or the first dey of the Billing Cycle. Interest Charges accrue on every unpaid amount unlit it is paid in full. This means you may owe interest Charges even ri you pay the entire New Bafance for one Billing Cyde, but did not do so the previous Bilfing Cyde. Unpaid interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charac? We may assess a minimum Interest Charge of $0 50 for each Biffing Cyde if your acrxtunt is subject to an Interest Charge. How do vou Calculate the Interest Charac? We use a method called Average Daily Balance (including new transactions) 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that d y. The resuff is the daily balance for each segment. However, it your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide ihe sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3 At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we mufiipiy the result by the number of days in the Billing Cycle. We add the Interest Charges for afi segments together. The result is your total Interest Charge for Ihe Billing Cycle. The Average Daily Balance is referred to as the Balance Sublect to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can mv Variable APR chanrle7 Your APRs may increase or decrease based on one of Ihe following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. Code next to 'ow do we calculate your When your APR(s) will change your APR(s) 'PR(an Index+ marginP, Pnme Rate+ margin The first day of the Bilkng Cycles that L ' month LIBOR + margin end in Jan., April, July, and Oct. D Pnme Rate+ margin The first day of each Billing Cycle. F I month LI BUR + margin How can I Avoid Membershio Fees7 If a Renewal Notice is printed an this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Bifiing Cycle covered by this statement to request that we dose your account To avoid paying a monthly membership Fee, dose your account and we wifi stop assessing your monthly membership Fee. How can I Close Mv Account? You can contact Customer Service anytime to request that we close your account ~ Account information: Your name and account number. ~ Dogar amount; The dollar amount of the suspected error. ~ Description of Problem: If you think there is an error on your bill, describe what you b lieve w wrong ond v.hy you bali va it i. a mistake. You must contact u. within 60 days alter the error appeared on your statement. You must notify us of any potential errors in wnting You may call us or notify us electronically, but if you do we are not required to invesbgale any potential errors and you may have to pay the amount in question. We will notify you in wnbng within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: ~ We cannot tqr to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. ~ While you do not have to pay the amount in question until we send you a notice about fhe outcome of our investigation, you are responsible for the remainder of your balance, ~ We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a wntten noses explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you am dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this nght, the following must be true: I) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have fully paid for the purchase. If ag of the cntena above are met and you are still dissaksfied with the purchase, contact us in writing at Capital One, P O. Box 30285, Salt Lake City, UT 84130-0285 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as deknquent. 2016 Capital One Capital One is a federally registered service mark ETC-08IUOU16 How do vou Process Pavments? When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process il as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your paymenL How do vou AogIIMM~Pa ment? We generally apply payments up to your Minimum Payment firsi to!he balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. ~aitfin Rights Summa~Does not Aggll to Small Business Accountsj What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, wnte to us at: Capital One P.O. Box 30285 Salt Lake City, UT 841 30-0265. In your fetter, give us the foffowing information: Chantiina Mailin() Address' You can change your address immediately at capitalona corn or complete the informatron below, and return this coupon with your payment. Please pnnt using blue or black ink. How do I Make Pavmentsv You may make your payment in several wayw I Online Banking by logging into your account, 2. Capital One Mobse Banking app for approved electronic devices; 3 Caging the telephone number listed on the front of this statement and providing the required paymenl information, 4. Sending mail payments to the address an the front of this statementwith the payment coupon or your account information Street. City. State Phone Email... ... Zip code ... When will vou Credit Mv Pavment 7 For mobile, onkne or over the phone, as of the business day we receive it, as long as it is made by 8 p m. ET For mail, as of the business day we receive it, as long as it is received by 5 p m. local time at our processing center. You must send the bogom portion of this statement and your check to the payment address on the front of this statement Please allow at least seven (7) business days for mail dskvery Mailed payments received by us at any other location or payments in any other form may not be credited as of ihe day we receive them. 241 Page 2 of 2 World Mastergard Account Ending in 4925 May 15, 2018 - Jun. 14, 2018 I 31 days m Bi ging Cycle - e e." I I 4& 1st il Is i t B &,"; "&tyj'pi't~v-'+g~jtgdw~~457",-'fotaeve"detail'0'$'raii'sacti'ojts,;--.:-",i":~. MELANY BASA ¹4925r Payments, Credits and Adjustments Date Description Ailloullt 300085 a , Protect your credit score. Detect fraud with utomatic alerts if your credit report changes vvith Cred tWiso' built right into the ('spital One'obile app. Jun 11 CAPITAL ONE AUTOPAY PYMTAuthDate 16-May $ 165.00 MELANY BASA ¹4925: Transactions Date Description Date Description Total Fees far This Period Aliloullt gyve&@~A'"."'A'mount $0.00 interest Charge on Purchases $ 116.77 Interest Charge on Cash Advances Interest Charge on Other Balances Total Interest for This Period $0 00 $0 00 $ 116.77 Total Fees charged in 2018 $0.00 Total Interest charged in 2018 $664.82 Your Annual Percentage Rate (APR) is the annual mterest rate on your account. Type of Balance Purchases Cash Advances Annual Percentage Balance Subject Interest Charge Rate(APR) to Interest Rate 26.40% P $ 5,207.95 $ 116 77 26.40% P $0 00 $ 0 00 P,L,D,P = Vanabie Rate. See reverse of page I for details. 242 Page 1 of 2 World MasterCard Account Ending in 4925 Jun. 15, 2018- Jul. 14, 2018 I 30 days m Bilhng Cycle I lelellllNIA'e- Payment Due Date Aug. il, 20ia New Balance $ 5,102.71 For online and phone payments, the deadline is Bpm ET Mimmum Payment Due $ 164.00 LATE PAYMENT WARNING: If we do not receive your mmimum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYMENT WARNING: It you make only the mimmum payment each penod, you will pay more in mterest and it will take you longer io pay oN your balarrce. For example: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance $5,124.52 - $ 168.00 $0.00 + $33.00 + $0.00 + $0.00 + $ 113.19 = $5,102.71 Mmimum Payment i 21 Years $207 3 Years Estimated savings if balance is paid off in about 3 years: $ 7,999 Credit Limit Available Credit (as of Jul. 14, 2018) Cash Advance Credit Limit Available Credit for Cash Advances $5,750.00 $647.29 $ 150.00 $ 150.00 if you would like mformetion about credit counselmg services, call 1-888-326-8655 Account Notifications You are enrolled in AutoPay. You'e selected to pay the mmimurn amount due, which will be debited from your bank account on your due date. If your payment is more than your current balance, we will only debit the current balance. Pay or manage your account on our mobile app or at Customer Service 1 800 903-3637 See reverse for Important Information Please sr nd us this portion of your statement end only one check (or one money order) to ft attppdgatgrrffCZ erisure your payment is processed promptly lillow at least s ven business days for deiivr.ry tooosu New Balance $ 5, 102.71 Minimum Payment Due $ 164.00 Payment Due Date Aug. 11, 2018 Account Ending in 4925 Amount Enclosed $ . Pay your bill on the go. Pay your bill secun ly and revie rut ansactions wit'i the Capital One'obile app MELANY BASA unou THE WOODS DR APT 1729 SAN JOSE. CA 951'35-38lfl etdntrrhp'ify trnTdndfetm'dy'gp jiiy.'-..:.:rs-a,.br'~:::~-:. Cepttal One P.o. Box f 0599 City of Industry. CA 91715-B599 I " III IIIIIIIIIII II IIIIII Iilll I II " llliililll II'I lilillll 243 4 9 Z 5 1 4 5 1 0 2 7 1 0 1 6 8 0 0 0 1 6 4 0 0 0 How can I Avoid Pavino Interest Charoes? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do no! pay your next New Balance in fug, we will charge interest an the portion of the balance that you drd not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional ofers mey allow you to pay fess Ihan Ihe total New Balance and avoid paying Interest Charges on new purchases Please refer to the front of your statement for additional informaiion, How is the Interest Charon anolied'? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it rs paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Biging Cycte, but did not do so the previous Billing Cyde. Unpaid Interest Charges are added to the corresponding segment of your account DrZYOu aaSeSS a Minimum IntereSLCha~r We may aSSeSS a minimum IntereSt Charge of $0.50 for each Biging Cycle if your account is subject to an Interest Charge. How do vou Calculate the Interest Charoe'? We use a method called Average Dart? Balance (including new transactions). 1. First, for each segment we lake the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added lo the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycfe. The result is the Average Daily Bafance for each segment 3. At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in Ihe Billing Cycle. We add the Interest Charges for ag segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance rs referred to as the Balance Subiect to Interest Rate rn the Interest Charge Calcuiatron section of this Statement NOTE; Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the interest Charge actually assessed. How can mv Variable APR chance? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Slreet Journal ). The letter rxrde below corresponds with Ihe letter next to your APRs in the Interest Charge Calculation section of this statement Code next to How do we calculate your 'hen your APR(s) will change your APR(s) APRM)?Index~+mar in P Pnme Rate r margin L 3 month LIBOR+ margin The first day of each Bilkng CydeD Prime Rate+ margin F I month LIBOR+ margin How can I Avoid Members~hi Fees? If a Renewal Notice rs pnnted on this statement, you may avoid paying an annual membership Fee by contading Customer Service no later than 45 days after the last day in Ihe Billing Cycle covered by this statement to request that we close your account To avord paying a monthly membership Fee, close your account and we will stop sssessrng your monthly membership Fee. How can I Close Mv Account? You can contact Customer Service anytime to request that we close your account. ~ Account information: Your name and account number. ~ Dollar amount The dollar amount of the suspected error. ~ Descnption of Problem: If you think there rs an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statemenl. You must notify us of any potential errors in writing You may call us or nokfy us eiectronicagy, but iT you do we are not required to invesbgate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your feller. While we investigate whether or not there has been an error, the following are true: ~ We cannot try Io collect the amount rn question, or report you as delinquent on that amount. I he charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you wrli not have to pey the amount rn question or any interest or other fees related to that amount. ~ While you do not have Io pay the amount rn question unlit we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit irmit. Within 90 days of our receipt of your letter, we will send you a wntten notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatistied With Your Purchase: If you are dissalrsfred with the goods or services that you have purchased with your credri card, and you have tried in goad faith to correct Ihe problem wrlh the merchant, you may have the right not to pay the remarnrng amount due on the purchase. To use this nght, the following must be true: I) You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card arcount do not qualify; and 2) You must not yet have fully paid for the purchase If ag of the cnteria above are met and you are strli dissatisfied with the purchase, contact us in wnting ab Capital One, P.O Box 30285, Salt Lake City, UT 84130-0285 While we investigate, the same rules apply to the disputed amount as drscussed above After we finish our investigation, we will tell you our demsron At that point, if we think you owe an amount and you do not pay we may report you as delinquent. 2016 Capital One Caprtal One w a federally registered senses mark ETC-0811/01/16 001 How do vou Process Ps3rments? When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account We may also process rt as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Annlv Mv Pavment? We generally apply payments up to your Minimum Payment first to the balance with the lowest APR (includrng 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance wrlh the highest APR, and then to balances with lower APRs. Biginu Riohts Summarv IDoes not Aoolv to Smail Business Accounjts What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error an your statement, write to us at: Capital One P O. Box 30285 Salt Lake City, UT 841 30.0285, In your letter, give us the following information: Chanr(in() Illlailina Address? You can change your address immediately at caprisione corn or complete the rnformatron below, and return this coupon with your payment. Please pnnt usmg blue or black rnk. How do I Make~Pa ments& You may make your payment rn several ways. I Onkne Bankrng by loggmg rnto your account; 2 Capital One Mobile Bankrng app tor approved eiectronrc devices, 3. Calling the telephone number lrsted on the front of thrs statement and providrng the requrred payment information 4. Sendrng mari payments to the address on the front of thrs statement wrth the payment coupon or your account rnformabon Street. C fly . State Phone Emsrl Zrp code . When will vou Credit My Payment? For mobile, online or over the phone, as of the business day we receive it, as long asittsmadeby8 pm ET. For marl, as of the business day we receive rt, as long as rt is received by 5 p m. local Irme at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) business days for mml dekvery Maried payments received by us at any other location or payments rn any other form msy not be credited as of the day we receive them. 244 C'agzifMOPLf Page 2 of 2 World MasterCard Account Ending in 4925 Jun. 15, 2018- Jul. 14, 2018 I 30 days in Biuing Cycle ~ mlthu:trtalslel :.''-',"',';:;3)rfs it'-.~'+~sjgjtet'oolmstto'!'se'e,''d'etai le'd trg'n'sact jjittsj „ MELANY BASA ff4925: Payments, Credits and Adjustments Date Description Amount Jul 11 CAPITAL ONE AUTOPAY PYMTAuthDate - $ 168.00 16-Jun Make a statement. :,I Go paperless. Stop waiting for your bill to arrive in the mail and go paperiess today. 3oooa3 MELANY BASA f)4925: Transactions Date Description Jul 5 HUBBLE CONTACTS8444822531NY MELANY BASA O4925: Total Amount $33.00 $33.00 Total Transactions for This Period $33.00 Date Description Amount Total Fees for This Period $0.00 '"'-~ ~".t~:l'h+:, =:~:;:::-'-;;;:::;;,':-:~ j0(Bt'j'sttCitdi')e(tn$ Interest Charge on Purchases $ 113 19 Interest Charge on Cash Advances $ 0 00 interest Charge on Other Balances $0. 00 Total Interest for This Period $ 113.19 ,=",~%':";,:, -in, '"„': 2018: Totals-Y'u'9'r!'to-.D'Dt'D'.;E= Total fees charged in 2018 Total Interest charged in 2018 $0.00 $778.01 Your Annual Percentage Rate(APR)is the annualinterest rate on Type of Annual Percentage Balance Subject Balance Rate(APR) to Interest Rate Purrhases 26.65% P $ 5,167 76 Cash Advances 26.65% P $ 0 00 your account Interest Charge P,L,D,F = Vanabie Rate See reverse of page 1 loi details 245 Cugutml07te" Page I of 2 World Mastergard Account Ending in 4925 Jul. 15, 2018- Aug. 14, 2018 I 31 days in Biging Cycle ~sit iten t Payment Due Date Sep. 11, 2018 New Balance $ 5,085.50 Far anima and phone payments, the deadline is Spm ET. Mmimum Payment Due $ 167.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee af up to $35.00. MINIMUM PAYMENT WARNING: If you make only the mmimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. For example: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged Naw Balance efeel%1IIIIIelf:IA~ $5,102.71 - $ 166.71 $0.00 + $33.00 + $0.00 + $0.00 + $ 116.50 =- $5,085.50 .boaiaqyiei AlttsgaTatg dyiiii~:~",. Credit Limit $5,750.00 Available Credit (as of Aug. 14, 2018) $664.50 $207 3 Years Mmimum Payment 20 Years 404 440 Cash Advance Credit Limit Available Credit for Cash Advances $ 150.00 $ 150.00 Estimated savmgs if balance is paid off m about 3 years $ 7,964 lt you would kke information about credit counselmg services, cali 1-888-326 8055 @+,,;Nr ', ".",'-'ttfacttphjll'rectf'ei'n'll'oepsrg/jtwaard'5-with oiir „„'; 8 - 'fiedi Thid IPerfml Tgg ieRgde'e'iifed„:This Period, $0'':,50;:::.':-":.,'::,'.1,'-;:,-',:;=-'-,,:=--:.:::,;::,"'i::.$0'.iOO Account Notifications You are enrolled in AutoPay. You'e selected to pay the mmimurn amount due, which will be debited from your bank account on your due date If your payment is more than your current balance, we will only debit the current balance. Pay or manage your account on our mobile app or at Customer Serwce 1-800-903 3637 See reverse for Important information Payment Due Date Sep. 11, 2018 Account Ending in 4925 New Balance $5,085.50 Minimum Payment Due $ 167.00 Amount Enclosed Please send us this portion of your stetwnent ond only one check loi one money order) to 4CBlrtwaggago r ensure your Oeyrnent is Processed Oromatiy Allo@el least seven busmess days for deliveryrew ~OI Ie roonse Get the app designed to save time. nloiflossly manage /oiir ai.c()urit. uii!I it'a 'Wi!Ii the Capital Onc'-'obile app :;,';==,:-:-:;:,i TBRTIONIE'tot8090tito:dpwx'nibadtbe app "*': iagecsgsggingi'50BI'a;rgf65'ht yapplyg MELANY BASA 907 BRUNETTI CT SAN JOSE. CA 95125sa319 Capital One P.o. Box t*0599 City of Industry. CA 9171l -05'I't I "lli «llillll'I II «II'I'««I'I Il" III«I«« II I I'Itlill 246 4925 14 508550016/000167007 COL How can I Avoid Pavino Interest Charoes? If you pay your statement's New Balance in full by Ihe due date, we will not charge you interest on any new transactions thai post to the purchase segment, If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Specral Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than ihe total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional informaiion. How is the Interest Charoe aoolied? Interest Charges accrue from the date of the transaction or the first day of Ihe Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owa Interest Charges even if you pay the entire New Balance for one Billing Cycle, bul did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account ~Do u assess a Minimum Interest Charac? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do vou Calculate the Interest Charge'I We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we take Ihe beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The resug rs the daily balance for each segment. However, if your previous statement balance was zero or a credrt amount, new transacfions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic raie (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the interest Charges for afi segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred lo as the Balance Subject to interest Rate in the Interest Charge Calculation section of this Statement. NOTE; Due to rounding or a minimum Interest Charge, this calcuiatron may vary slighfiy from the Interest Charge actually assessed. How can mv Variable APR cha~ne7 Your APRs may increase or decrease based on one of the following indices (reported rn The Wall Street Journal ). The letter cade below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement Code next to How do we calculate your When your APR(s) will change your ApR(s) APR(s)'I Index+ margin P Prime Rate+ margin The first day of the Billing Cycles that L 3 month LIBOR+ margin end in Jan, Apnl, July, and Oct. D Pnme Rale+ margin The first day of each Brlkng Cycle. F I month LI BUR v margin How can I Avoid Membershio Fees? If a Renewal Noace rs printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day rn the Bifiing Cycle covered by this statement to request thai we close your account To avoid paying a monthly membership Fee, close your account and we wrfi stop assessing your monthly membership Fee. How can I Close Mv Account'I You can contact Customer Service anytime to request that we close your account ~ Account information; Your name and account number. ~ Dollar amount: The dollar amount of the suspected error. ~ Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe rt is a mistake. vou must contact us within 60 days afier the error appeared on your statement. You must notify us of any potential errors in writing. You may cafi us or notify us eiectronicafiy, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter, While we investigate whether or not there has been an error, the following are true: ~ We cannot try to collect the amount rn question, or report you as delinquent an that amount. The charge rn question may remain on your statement, and we may continue to charge you interest on that amount. But, rf we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. ~ While you do not have to pay the amount m question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we wrfi send you a wntten notice explairang either that we corrected the error (to appear on your next statement) or the reasons we believe the brli is correct. Your Rights If You Are Dissatisfied With Your Purchase: if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tned in good faith to correct the problem wrth the merchant, you may have the right not to pay the remaining amount due on the purchase. To use Ihrs righl, the following must be true: I) You must have used your credit card for the purchase. Purchases made with cash advances fram an ATM or with a check that accesses your credrl card account do not qualify, and 2) You must not yet have fufiy pard for the purchase If afi of the cnteria above are met and you are slrfi dissatisfied with the purchase, contact us rn wnbng at. Capital One, P.O Box 30285, Sail Lake City, UT 84130.0285. While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, rf we think you owe an amount and you do not pay we may report you as deknquent. 2016 Capital One Caprial One rs a federally regrstsred service mark ETC-0811/01/16 How do vou Process Pavments? When you make a paymenl, you authorize us to initiate an ACH or electronic payment thai wrfi be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information Rom the check to make a one-time ACH or other electronic transfer from your bank accounL We may also process rt as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your paymenl. How do vou Aoolv Mv Pavment? We generally apply payments up to your Minimum Payment first to Ihe balance with the lovvest APR (indudrng 0% APR), and then to bafances with higher APRs. We apply any part of yourpaymenl exceeding your Minimum Payment lo the balance with the highest APR, and then to balances with lower APRs. What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One P.O Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the fallowing information: Chanaina Mailina Address? You can change your address immedralely at capitalone.corn or complete the rnformation below, and return thrs coupon wrth your payment. Please print using blue or black ink. How do I Make Payments? You msy make your payment rn several ways. I Onirne Bankrng by logging rnto your account; 2. Capital One Mobrle Bankrng app for approved electronic devices; 3 Calling the telephone number sated on the front of thrs statement and provrdrng the required payment information, 4 Sendrng mari payments to the address on the front of this statement wrth the payment coupon or your account rnformabon Street City.. State Phone Email, Zip code .. When will vou Credit Mv Pavment7 For mobile, online or over the phone, as of the busrness day we recerve rt, as long as it rs made by 8 p m. ET. For marl, as of the busrness day we receive rt, as long as rt is mcerved by 5 p.m. local irma at our processrng center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) business days for mari delrvery Marled payments received by us at any other location or paymenis in any other form may not be credrted as of the day we receive them 247 Ca~itmlgrje'age 2 of 2Wor)d MasterCard Account Ending in 4925 Jul 15, 2018 - Aug. 14, 2018 I 31 days m Billmg Cycle '- Visi~wuN'npft'ajm~yp'Dvtqfhe'e.&letaifed.tinvn2¹vactigns;,,;:.' MELANY BASA ¹4925i Payments, Credits and Adjustments Date Description Amount Joooas Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CreditWise' buih right into the Capital One'obile app Jul 23 CAPITAL ONE MOBILE PYMTAuthDate 23-Jul Aug 11 CAPITAL ONE AUTOPAY PYMTAuthDate 16-Jul $2.71 - $ 164.00 MELANY BASA ¹49253 Transactions Date Description Aug 4 HUBBLE CQNTACTSB444822531NY MELANY BASA ¹4925i Total Amount $ 33 00 $33.00 Total Transactions for This Period $33.00 Date Description Total Fees for This Period Amount $0.00 Int'crest Charged Interest Charge on Purchases Interest Charge on Cash Advances Interest Charge on Other Balances Total Interest for This Period $ 116 50 $0. 00 $0. 00 $ 116.50 j,'-':::::::::,';::;.:;:::,:-::."'-::;~'."r'!i';i:2018:T'o'toasts'ear',t'o'-Date . Total Fees charged in 2018 Total Interest charged in 2018 $0. 00 $ 894.51 Your AnnualPercentage Rate IAPR) is the annual mterest rate on your account Type of Balance Annual Percentage Balance Subject Interest Charge Rate(APR) to Interest Rate Purchases 26 65% P $ 5,147 52 $ 116 50 Cash Advances 26 65% P $0 00 $0 00 P,L,D,F = Variable Rate. See reverse of page I for details. 248 ff uPitmloftf." Page I of 2 World MasterCard Account Ending in 4925 Aug. 15, 2018- Sep. 14, 2018 I 31 days in Billing Cycle msggmnmw Payment Due Date Oct. 11, 2018 New Balance $4,918.52 For online and phone payments, the deadline is Spm ET. Minimum Payment Due $ 164.00 LATE PAYMENT WARNING: If we do not receive your mrmmum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYMENT WARNING: if you make only the mrmmum payment each pened, you will pay more m interest and it will take you longer to pay off your balanc . For example: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance '%alii)l twtl I I I II If:I st- $5,085. 50 $267,00 - $ 15.08 + $0.00 + $0.00 + $0.00 + $ 115.10 Mmimum Payment $ 200 20 Year 3 Years Credit Limit Available Credit (as of Sep. 14, 2018) Cash Advance Credit Limit Available Credit for Cash Advances $ 5,750 00 $831.48 $ 150.00 $ 150.00 Estimated savmgs rf balance is pard off m about 3 years: $ 7,665 If yoo would lge miormstioo about credrt coonselmg servrces, cali 1-888-326-8655 Account Notifications You are enrolled rn AutoPay, You'e selected to pay the mimmum amount due, whrrh wrll be debrted from your bank account on your due date. If your payment rs more than your current balance, we wr if only debit the current balance Pay or manage your account on our mobile app or at:.:;,,; Oirmt'. '' e ": „" Customer Serwce: 1-800-903 3637 See reverse for Important Information Please send us thrs portion of your statement aod only one cireck (or one money order) to fcu9r~gigarfo»'nsure your Payment rs Processed PromPtly Anow at least seven busmess days for dehvery. Anonss New Balance $4,918. 52 Minimum Payment Due $ 164.00 Amount Enclosed Payment Due Date: Oct. 11, 2018 Account Ending in 4925 5 Make a statement. ;:,':=:.-','::.; Go paperless. Stop »micr 9 for ycur bill to drr rv rn ihe marl ond Oo paper es ",odmr lfELANY BASA 9n7 BRUNETTI CT SAN JOSE. CA 95125-I 319 '",L'o'giiA@tttauijkc'cbg'tlt'!to'78pkoMboifsvj&tch';too;'j'ja'pier'tdsuk Cap»tat One P.O. Box 58599 City of Industry. CA 9171i*-n59'I i " lli " III'III'I II iiilii Iilli I il" illiill'ii li 'lllllll 249 4 9 2 5 1 4 4 9 1 8 5 2 0 1 6 7 0 0 0 1 6 4 0 0 1 001 How can I Avoid Pavina Interest Charoas'I If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the porbon of the balance that you did not pay. For Cash Advances and Spcdal Transfers, we will stari charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Pfease refer to the front of your statement for additional infonnatiorr. How is the Interest Charac aoolied'7 interest Charges accme from the date of the transaction or the first day of Ihe Billing Cycle. Interest Charges accnre on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cyde. Unpaid Interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charaeg We may assess a minimum Interest Charge of $0.50 for each Bifiing Cycle if your account is subject to an Interest Charge, How do vou Calculate the Interest Charrie'7 We use a method called Average Daily Balance (including new transackons), 1. Frrsl, for each segment we take the beginning balance each day and add in new transacfions and the periodic Interest Charge on Ihe previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment 3.At the end of each Brlkng Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR drvided by 365) for that segment, and then we multrpiy the result by the number of days in the Billing Cycle. We add the Interest Charges for afi segments together The resuii is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the tnterest Charge Calculation section of this Statement NOTE Due to rounding or a minimum Interest Charge, this calculatron may vary slightly from the interest Charge actually assessed. How can my Variabte APR chanoe7 Your APRs may increase or decrease based on one of the following indices (reported rn The Wall Sfrset Journal ). The letier code below corresponds with the letter next to your APRs in the Interest Charge Calcuiatron section of this statement Code next to How do we calculate your When your APR(s) will change your APR(s) APR(s)7 Index+ margin P Prime Rate+ margin L 3 month LIBOR t margin The first day of each Bilkng CycleD Pnme Rate+ margin F I monthLIBOR+margin How can I Avoid Members hio Feesz If a Renewat Noses is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Biikng Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can I Close My Accountz You can contact Customer Service anytime to request that we close your account ~ Account information: Your name and account number. ~ Dollar amount: The dollar amount of the suspected error. ~ Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe rt is a mistake You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential ertors in writing. You may call us or notify us electronically, bul if you do we are not required to investigate any potential errors and you may have lo pay the amount in question. We will notify you in wnting within 30 days of our receip! of your letter. While we investigate whether or noi there has been an error, the following are true: ~ We cannot try to cogect the amount rn questron, or report you as delrnquent on that amount. The charge in question may remain on your statement, and we may continue to charge you rnterest on that amount But, if we determine tha! we made a mistake, you wilt not have to pay the amount in question or any interest or other fees related to that amount ~ Whrle you do not have!o pay the amount rn question untri we send you a notice about the outcome of our mvestigstron, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit limit Within 90 days of our receipt of your letter, we wrfi send you a wntten notrce expfainrng artier that we corrected the error (to appear on your next statement) or the reasons we believe the bill Is correct. Your Rights If You Are Dissatisfied With Your Purchase: if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remarnrng amount dua on the purchase. To use this right, the following must be true: I) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or wrih a check that accasses your credit card account do nol qualify; and 2) You must not yet have fully paid for the purchase If ag of the cntena above are met and you are still dissatisfied with the purchase, contact us in writing at'apital One, P 0 Box 30285, Salt Lake City, UT 84130-0285 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent 2016 Capriai One Caprial One rs a federally registered service mark ETC-0811/01/16 How do vou Proces~spa ments'I When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other efeckonfc transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Aoolv Mv Pavmrinnz We generally apply payments up to your Minimum Paymrent firmt to the balance with fite lowest APR (including 0Mr APR), and then to balances with higher APRs. We apply any part of yourpaymenl exceeding your Minimum Payment to Ihe balance with the highest APR, and then lo balances with lower APRs. Bigina Riahts Summarv IDoes not Aooiv to Small Business Accountst What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: Chanfi(inq Ma(linn Address? You can change your address immediately at capitalone.corn or complete the informauon below, and return this coupon with your payment. Please pnnt using blue or black ink. How do I Make Pavmantsv You may make your payment rn several ways: I Online Banking by lagging into your account, 2. Caprtai One Mobrle Banking app for approved electronic devices; 3 Calling the telephone number listed on the front of thrs statement and providing the requrred payment rnformatron, 4. Sending mail payments to the address on ihe front of this staiemenf wrth the payment coupon or your account informahon Street. City. State . Phone Ernarl Zip code ~When will ou Credit My Paymentz For mobile, online or over the phone, as of the business day we receive it, as long as itismadebyfi pm ET For mail, as of the business day we receive rt, as long as it is received by 5 p.m local time ai our processing center, You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) business days for marl dalrvary Mailed payments received by us at any other location or payments rn any other form may not be credited as ot the day we receive them 250 ra saét'iidnsi’ MELANY BASA #4925: Payments, Credits and Adjustments Date Description Amount Sep 4 CREDlT-CASH BACK REWARD u $15.08 Sep 6 CAPITAL ONE ONLINE PYMTAuthDate « $100.00 05-Sep Sep 11 CAPITAL ONE AUTOPAY PYMTAuthDate ~ $167.00 16-Aug MELANY BASA #4925: Transactions Date Description Amount Date Description Total Fees for This Period Interest Charge on Purchases $1 15.10 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $1 15.1 0 Total Fees charged in 2018 Total interest charged in 2018 $0.00 $1 009.61 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 26.65% P $5,085.52 $1 15.10 Cash Advances 26.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Page 2 of 2 World MasterCard Account Ending in 4925 Aug. 15, 2018 - Sep. 14, 2018! 31 days in Billing Cycle r-~~ Manage your account 3°00” _ anywhere; a‘nytime. Pay your b331,» sét_Up ‘afle‘rt’s‘an‘d more Wéth the Capital One” mobile app. -\\\ 1%: \ -,\ g /,’ 251 Page 1 of 2 World MasterCard Account Ending in 4925 Sep. 15, 2018-Oct. 14, 2018 I 30 days m Binmg Cycle At 8 Ifi1 ~ Ie ~ l(sll ~ s Payment Due Date Nov. 11, 2018 New Balance $5,052.47 For online and phone payments, the deadline is Spm ET. tvlmimum Paymoiit Du $348.00 LATE PAYMENT WARNING: if we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the mmimum payment each penod, you wig pay more in interest and it will take you longer to pay oft your balanc . For example. Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance $4,918.52 $0.00 $0.00 + $0.00 + $0.00 + $25.00 + $ 108.95 = $5,052.47 Credit Limit $ 5,750.00 Available Credit (as of Oct. 14, 2018) $697.53 Minimum Payment 20 Years $ 14,949 It you would tike mtorruation about credit couosehng services, coa 1-888-326-8855 Cash Advance Credit Limit Available Credit for Cash Advances $ 150.00 $ 150.00 s ~ ~ C Get your account back on (rack. ViSit Capita lOne.COm tn make a payrrnnt today 30OOBO Account Notifications ~r I or nie tion-, at: ut ttii, .:. cur t,: lees ii re ...,;.,.', at I-HOO oi 6 rifrfiO. We I le 8 sr 'ri ne; ro'r i»ion,lay ih'ough Frirlay frorv Sram.rc, I n c FT,3',rlsatrrlsva JSr "ri.v "r:nn n tc Sp,m. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee m the future, we recommend that you allow at least 7 business days for your minirnurn payment to reach Capital One. Pay or manage your account on our mobile app or at .et::..Oiu:. o, ".* »rr Customer Service 1-800-903 3637 See reverse for Important Information Please seurl us Itus portion oi your statement and only one checlr lor ooe money order) to ff &ffaa~ytgaffgty»'nsure your paymeol rs processed promptly Allow at least seven busmess days for rlelrvery Joon3i New Balance $ 5,052.47 Virri rr 3 il I':v'rii.rv ihrr. $348.00 Payment Due Date: Nov. 11, 2018 Account Endtng in 4925 Amount Enclosed Manage your account8 ~42 on yourtime. YOrr .Bn ecreSS acrniin: infoirndtwin on ou seciirc rreositr Bntdrmr, 2477 MELANY BASA 907 BRUNETTI CT SAN JOSE CA 95125i B319 ills»l A~»*';,',.';,ivmIBO99mdLOUI dccodnt,ot'capt'tatoiseicorrif ',,""" '-''ll Capital One P.o. Box t0599 City of Industry CA 91711-0599 I " ltl'ttllliilltl'll'Illlil'Illli'I ' " lllllliill'll'I'lilillll 252 4 9 2 5 1 4 5 0 5 2 4 7 0 1 6 7 0 0 0 3 4 8 0 0 1 001 The first day of the Billing Cycles that end rn Jan., Apnl, July, and Oct. The first day of each Brgrng Cycle.D Prime Rate+ margin F I month LIBOR + margin How can I Avoid Membershio Fees7 It a Renewal Notice rs printed on thrs statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can I Close M~Account7 You can contact Customer Service anytime to request that we close your account How can I Avoid Pavinq Interest Charaes'? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new Iransactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do nol pay your next New Balance in full, we will charge interest on Ihe porbon of the balance that you did not pay. For Cash Advances and Spemal Transfers, we will stari charging Interest an the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statemenl for additional information. How is the Interest Charac aonlled7 Interest Charges accrue from the date of the transaction or the ffrst day of Ihe Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. ~Du assess a Minimum Interest Charaeg We may assess a minimum Interest Charge of $0 50 for each Billing Cyde if your account is subject to an interest Charge. How do vou Calculate the Interest Charac'7 We use a method called Average Daily Balance (includrng new transaclons), I, First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, rf your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days m the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Brgrng Cycle, we multiply your Average Daily Balance for each segment by Ihe daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges for ag segments together. The result is your total Interest Charge for the Billing Cycle The Average Daily Balance is referred to as the Balance Subiect to Interest Rate in the interest Charge Calculation secbon of this Statement NOTE. Due to rounding or a mrnrmum Interest Charge, this caiculatron may vary slightly from the interest Charge actually assessed. How can mv Variable APR chanoe7 Your APRs may increase or decrease based an one of the following indices (reported in 1he Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the interest Charge Calculation section of this statement. Code next to How do we calculate your When your APR(s) will change your APR(s) APR(sj?lndez+ margin P Pnme Rate + margin L 3 month LIBOR + margin ~ Account information: Your name and account number. ~ Dollar amount: The dollar amount of the suspected error. ~ Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days affer the error appeared on your statement. You must notrg us of any potential errors in writing. You may cali us or notify us electronicaily, but if you do we are not required to rnvestrgate any potential errors and you may have to pay the amount in question We will notify you in wntrng within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true. ~ We cannot try to collect ihe amount rn question, or report you as delinquent on that amount. The charge in question may remain on your stafement, and we may continue to charge you rntsrest on that amount. But, if we determine that we made a mistake, you wrli not have to pay the amount in question or any interest or other fees related to that amount ~ While you do not have to pay the amount rn question until we send you a notrce about the outcome of our investigation, you am responsible for the remainder of your balance, ~ We can apply any unpaid amount against your credit lrmrL Within 90 days of our receipt of your letter, we will send you a wnltan notice explaining either that we corrected the error (to appear on your next statement) or ihe reasons we believe the bill is correct Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good farlh to correct the problem with the merchant, you may have the nght not to pay the remaining amount due an the purchase To use this right, the iogowrng must be true: 1) You must have used your credkt card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yel have fully pard for the purchase. if ag of the cntsna above are met and you are stril drssatisfied wrth the purchase, contact ~s rn wniing at'apital One, P 0 Box 30285, Salt Lake Cdy, UT 84130-0285. White we rnvestrgate, the same rules apply to the disputed amount as drscussed above. After we finish our rnvestrgatfon, we will teil you our daasron At that point, if we think you owe an amount and you do not pay we may report you as deknqusnt 02016 Caprtai One Capital One ra a federally rsgrstered service mark ETC.08 11/01/16 How do vou Process Pavments? When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process il as a check transaclron Funds may be withdrawn from your bank account as soon as the same day we process your paymenl. How do vou Aoolv Mv Pavment'? We generally apply paymenls up to your Minimum Payment first to ihe balance with rhe lowest APR (including 0rr APR), and then to balances wrih higher APRs. We apply any part of yourpaymenl exceeding your Minimum Payment lo the balance with the highest APR, and then lo balances with lower APRs. Billina Riahts Summarv IDoes not Aoolv to Small Business Accountsi What To Do If You Think You Find A Mistake On Your Statement: If you thrnk there rs an error on your statement, wnte to us at Capital One P O. Box 30285 Salt Lake City, UT 84130-0285, In your letter, give us the following informabon. Chan((ina Mail)Ra Address? You can change your address immediately at caprtalone.corn or complete the informabon below, and return this coupon with your payment. Please pnnt using blue or black rnk. How do I Make~pa ments& You may make your payment rn several ways. 1. Online Bankrng by loggrng rnto your account: 2 Caprtal One Mobile Banking app for approved electronic devices, 3 Calkng the telephone number listed on the front of this statement and provrdrng Iha required payment information, 4. Sendrng marl payments to the address on the front of this statement wrth the payment coupon or your accorlnt rnformakon Street . Clti'. State . Phone Email ..... Zrp code ... When will vou Credit MY~Pa ment? For mobile, onime or over the phone, as of the business day we receive rt, as long asitrsmadeby8pm ET For marl, as of the business day we recsrve rt, as long as it is recervsd by 5 p.m. local time at our processing center. You must send the bottom portion of this statement and your check lo the payment address on the front of this statement. Please allow al least seven (7) business days for marl dekvery Matted payments received by us at any other location or payments in any other form may not be credited as of the day we receive them 253 Page 2 of 2 World Mastergard Account Ending in 4925 Sep. 15, 2018- Oct. 14, 2018 I 30 days in Biuing Cycle ~ I ~ ~ I .;";,hr~~~@vlRItjwfvvrou)ttotitnsth~,to-'a'eevudet'ailed t'ransacvtionsc. 'g MELANY BASA ¹4925: Payments, Credits and Adjustments Date Descriptien Amount soooau . Stay on top of your credit score. Monitor your medit score with CrediIIfise'ilt right ir,to the Capital One'cobile app. MELANY BASA 449253 Transactions Date Description Date Description Oct 11 PAST DUE FEE Total Fees for This Period Amount ,.v.+W+. 5s Amount $25.00 $25.00 Interest Charge on Purchases $ 108.95 Interest Charge on Cash Advances Interest Charge on Other Balances Total Interest for This Peried $0.00 $0 00 $ 108.95 Totals Yedr-to-Bate Total Fees charged Total Interest charged $25.00 $1.118.56 Your Annual Percentage Rate (APRj is the annual mterest rate on your account Type of Balance Annual percentage Balance subject Interest charge RatelAPR) to Interest Rate Purchases 26.65% P $4,974 29 $ 108 95 Cash Advances 26.65% P $0 00 $0.00 P,L,D,F = Venable Rate. See reverse of page I for details 254 Page 1 of 2 World Mastergard Account Ending in 4925 Oct. 15, 2018- Nov. 14, 2018 I 31 days m Biging Cycle !%Will 51 bttbi « Nla- Payment Due Date Dec. 11, 2018 New Balance $ 5,203.16 For online and phone payments, the deadlme is Bpm ET. Minimum Payment Dim $ 550.00 Previous Balance Payments Other Credits Transactions $5,052.47 $0. 00 $0.00 + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a fate fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each penod, you will pay more m mterest and it will take you longer to pay off your balance For example: Cash Advances Fees Charged Interest Charged New Balance + $0.00 + $35.00 + $ 115.69 = $5,203.16 Mmimum Payment 20 Years If you would bke mformatiop about credit cobnbelmg seniices, call I 888-326-8055 Credit Limit Available Credit (as of Nov. 14, 2018) Cash Advance Credit Limit Available Credit for Cash Advances $5,750.00 $546.84 $ 150.00 $ 150.00 300000 C ~ 9 ~ ~ m Get your account back on II:rack. Visit capitaione.corn to make a paynlent today. Account Notifications Qf I "Nie liorir afml I lhlr reer&&i&!I, '&i(as' ve l.s i ca.l:11 (-f(eil-05&5& i&i OO lcr '&c;«Tr,:O ie; T ir lxir n I iv th oi gh I ndal f orr 8 a n To ';& n I, c id Satiir f iv a" if Si.-d Y 'ron 8 .: ir, ro 5:& rr. ." T. You were assessed a past due fee because your mmimum 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 Dne. Pay or manage your account on our inobile app or at Customer Service 1-800-903-3637 See reverse for important Information Plb«e send vs this portion of your statepiept and only one check (or one oioney order) to Jr aa@aa~f~g~g+&gi& ensure your payrpeot is pmcessed piornptlr Anon at least seven busmess days for delivery Jrool& New Balance $ 5,203. 16 Vini num Pa, T»rr Dce $ 550,00 Payment Due Date. Dec. I I, 2018 Account Ending in 4925 Amount Enclosed $ .. Manage your account" on your time. You r an access sr count information On Ou'('Ci&ie Websi(C'nytlnle, &4/7 ITELANY BASA 'l07 BBUNETTI CT SAN JOSE. CA 'i5125-i 319 'r'~!',Ar-E!~N01te~cr tdoxrrffla'Ec'0''ttr(g@'0:;ceibtltaio&n'e'im'T'I'bt;"'t;"-,"i,,::,i&f Capital One P.o Box i*05'l9 City of Industry CA 9171i -0599 I " lit iilllilllil II IIIIII fili ' ' " illiilii » II I lil'IIII 255 4 9 2 5 1 4 5 2 0 3 1 6 0 1 6 7 0 0 0 5 5 0 0 0 9 001 How can I Avoid Pavine Interest Charees'? If you pay your statemenl's New Balance in fuii by the due date, we will nol charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no interest Charges, bul then you do not pay your next New Balance rn full, we will charge interest on the portion of the balance that you drd not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transacdon date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charac aoolied2 Interest Charges accrue from Ihe date of the transadion or the first day of the Bilting Cycle. Interest Charges accrue on every unpaid amount until il is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cyde, but did not do so the previous Billing Cycle, Unpaid Interest Charges are added to the conesponding segment of your account. Do vou assess s Iainimum Interest Charge'? We may assess a minrmurn interest Charge of $0.50 for each Billing Cyde if your account is sublect to an Interest Charge. How do vou Calculate the Interest Charoe2 We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for thai segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post lo your purchase segment are not added to the daily balance. 2. Next, for each segment, we add ihe daily balances together and divide the sum by the number of days in Ihe Billing Cycle. The result is the Average Daily Balance for each segment. 3 At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in lhe Billing Cycle. We add the Interest Charges for ag segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Caiculabon section of this Statement NOTE Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed. ~How can m Variable APR chanoe'7 Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ) The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of thrs statement Code next to How do we calculate your your APRLs) APR(s)? Index 4 margin P Pnme Rate+ margin L 3 month LI BUR + margin r When your APR(s) will change The first day of the Billing Cycles that end in Jan., April, July, and Oct. D Prime Rate+ margin The first day of each Billing Cycle. F I I month LIBOR+margrn How can I Avoid Membershio Fees2 If a Renewal Notice is nntedon this statementP you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request thai we close your account To avord paying a monthly membership Fee, close your account and we wig stop assessing your monthly membership Fee. How can I Close MY Account? You can contact Customer Service anytime to request that we close your account ~ Account informatron. Your name and account number. ~ Debar amount: The dogar amount of Ihe suspected error. ~ Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing You may cali us or nobfy us electronicaiiy, bul if you do we are not required to investigate any potential errors and you may have to pay the amount in question We will notify you in wnlrng within 30 days of our receipt of your letter. While we investigate whether or not there has been an ertor, the following are true: ~ We cannot try to collect the amount rn question, or report you as delinquent on that amount. The charge rn question may remain on your statement, and we may continue to charge you interest on that amount But, rf we determine that we made a mistake, you wrg not have to pay the amount in questron or any interest or other fees related to that amount. ~ White you do nol have to pay the amount in questron until we send you a notice about the outcome of our investtgation, you are responsible for the remainder of your balance ~ We can apply any unpaid amount agarnst your credit irmrt. Within 90 days of our recerpt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights ff You Are Dissatisfied With Your Purchase: If you are drssatrsfred with the goods or services that you have purchased wrlh your credit card, and you have tried in good faith to correct ihe problem with the merchant, you msy have the right nol to pay the remarnrng amount due on the purchase To use this right, the followrng must be true: I) You must have used your credit card for the purchase. Purchases made with cash advances from an AIM or wrth a check that accesses your credit card account do noi qualrfy, and 2) You must not yet have fully paid for the purchase If all of the cntena above are met and you are strg dissatisfied with the purchase, contact us in wnling at'apital One, P 0 Box 30285, Salt Lake City, UT 84130-0285. While we investrgate, the same rules apply to the drspuled amount as discussed above. After we finish our rnvestrgation, vre will tell you our decision At that pornt, rf we Ihink you owe an amount and you do not pay we may report you as delinquent. 2016 Capital One Capital One is a federally registered service mark ETC-0811/01/I 6 How do vou Process Pavments? When you make a payment, you authorize us lo initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use Information from the check lo make a one-lime ACH or other electronic transfer from your bank account. We may also process it as a check transaction Funds may be withdrawn from your bank account as soon as the same day we prorwss your paymenL How do vou Aoolv Mv P~e~n? We generally apply payments up to your Mmimum Payment frrsl to the balance wiN the lowest APR (includtng 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Bigina Riahts Summarv IDoes not Apply to Small Business Accountsi What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at Caprlal One P 0. Box 30285 Salt Lake City, UT 84130-0285 In your letter, give us the fogoviing information: Chanaina Mailina Address? You can change your address by signrng into your account onlrne or calling Customer Servrce How do I Make Payments& You may make your payment in several ways 1 Online Banking by logging into your account; 2 Caprtal One Mobile Bankrng app for approved electronrc devrces, 3 Calkng the telephone number listed on the front of this statement snd provrdrng ihe requrred payment rnformahon; 4. Sendrng marl payments to the address on the front of thrs statement with the payment coupon or your account information When will vou Credrt Mv Pavment 2 For mobile, online or over the phone, as ot the busrness day we recerve it, as long as it is made by 8 p,m. ET. For marl, ss of the business day we recerve rt, as long as ii rs received by 5 p.m. local trme at our processing center You must send the bottom portion of thw statement and your check to the payment address on the front of thrs statement. Please aflow at least seven (7) business days for mail delivery Mailed payments recerved by us at any other location or payments in any other form msy not be credited as of the day we receive them 256 Page 2 of 2 World Mastergard Account Ending in 4925 Oct. 15, 2018- Nov. 14, 2018 I 31 days in Billing Cycle ~mder»nmt» e I Snf;;:i~'~')fisit Whirniophfteron'D:hnffn to,."se'e~derailed.tran'sa'dtione':.:-,,'.: MELANY BASA ¹4925i Payments, Credits and Adjustments Date Description Anloullt scones Protect your credit score. Detect fraud with automatic alerts if your credit report changes niith CreditWise' hiiilr right into the Capital One'ohili app. MELANY BASA ¹49253 Transactions Date Description Date Description Nov 12 PAST DUE FEE Tatal Fees for This Period Amount Amaunt $35.00 $35.00 interest Charge on Purchases $ 115 69 interest Charge on Cash Advances Interest Charge on Other Balances Total Interest for This Period $ 0 00 $0.00 $ 115.69 Totals Yearcto-Date Total Fees charged Total Interest charged $60.00 $1.234.25 Your Annual Percentage Rate (APR) is the annual interest rate on your account Type of Balance Annual Percentage Balance Subject Interesi Charge Rate(APR) to Interest Rate Purchases Cash Advances 26 65% P 26.65% P $ 5,111.57 $0 00 $ 115.69 $0.00 P,I,D,F = Venable Rate. See reverse of page I for details 257 Page I of 2 World Mastercard Account Ending in 4925 Nov. 15, 2018- Dec. 14, 2018 I 30 days in Billing Cycle If - I iRIHfpitt i vg~~ ~ I frl Payment Due (late Jan. 11, 2019 New Balance $5,353.44 For onlme and phone payments, the deadline is Bpm ET. Min mum Payment Due 4/53.00 LATE PAYMENT WARNING: lf we do not receive your mmimum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the mmimum payment each pened, you wiu pay more in mterest and it will take you longer to pay off your balance. For example: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance $5,203. 16 $0.00 $0.00 + $0.00 + $0.00 + $35.00 + $ 115.28 = $5,353.44 Mimmum Payment .@5%(1rp+~P i 'the",pari'O'Ifcqyt(~ '15,039 20 Years Credit Limit Available Credit (as of Dec. 14, 2018) Cash Advance Credit Limit $5,750.00 $0.00 $ 150.00 If you would tike mformatiop about credit coirpsebng services, call 1-888-326-8055. Available Credit for Cash Advances $ 0 00 looesl Your account is suspended, but you can get back on track kri it capitaione.corn to (nake a puym(.nt 2nd see your payment opu(&ns -ONEP (i aid*'3('rpfif':cat'(Dtpp~iytye:,'us'able;,'de'tienl'(Irn»9!On arc»c'oti'iiitistafgs'ccount Notifications 'mrfue tin(is Jtici.t tlii occ(un I, e,is n ve, . a c»..I il ~j You were assessed a past due fee because your mmimum payment was I 830-955-(lc(gl (VT 5 g oi 'o io; mir (rloiiilav lh oiigli Frxlav from not recewed by the due date. To avoid this fee in the future, we I» a.m to ', ir. Fl,,m(! Si 0 In.: u Snoopy -'ron( 8 .: ir. In 5 'Ii rn recommend that you allow at least 7 business days for your minimum T payment to reach Capital One. Pay or manage your account on our mobile app or at:,::: err(i' Ore coi" Customer Serwce. 1-800-903-3537 See reverse for Important Information Please serio us this portion of your statement aprl only one check (or one moiiey order) to Ig.wlffaalfaefolTC»" ensure your Payrpent is processed promptly Auow at least seven bus(riess days for delivery New Balance $ 5,353.44 Mirii'riii'ii I "I'»'iiei'I')ii(x 5/53.00 Payment Due Date: lan. 11, 2019 Account Ending in 4925 Amount Enclosed ""'&& Manage kvour account2Bx r on foul time. Voii e l(3 d(C(9\,lc(O(in (infer'i(10(IC(ii ori ()u" 5('ciii i'iio'l c'ilyti(TI(', 24/7 MELANV BASA 907 BRUNETTI CT SAN JOSE. CA 95125-6319 ~,~fdanfyge ybul-agcoUbf'bt'capfgatlpnecomi ."e:.'-Cf Capital One P.o. Box 50599 City of Industry. CA 9171(*-0599 I " Iif 'ilt'Illlf II llllll Iilll" I " Illlilllli II I'llllllll 258 4 9 2 5 1 4 5 3 5 3 4 4 0 1 6 7 0 0 0 7 5 3 0 0 8 001 How can I Avoid Pavina Interest C~har es'I If you pay your statemenl's New Balance rn full by the due date, we will nol charge you interest on any new transacfions that post to the purchase segment, if you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying interest Charges on new purchases. Please refer to the front of your statement for additional rnformabon. How is the interest Charac aeotied2 interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but drd not do so the previous Billing Cyde. Unpaid interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charae2 We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do vou Calculate the Interest Charac'I We use a method called Average Darly Balance (Induding new transactions). 1. First, for each segment we take Ihe beginning balance each day and add in new transactions and the periodic Interest Charge on Ihe previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, rf your previous statement balance was zero or a credit amount, new transactrons which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Bitiing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges for afi segments together. The result is your total interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate rn the interest Charge Calculation section of this Statement. NOTE. Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessml. How can my Variable APR chanoe2 Your APRs may increase or decrease based on one of Ihe following indices (reported rn lhe Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. Code next to ~ How do we calculate your When your APR(s) will change your APR(s) APR(s)2 Index+ ma~rin p prime Rate + margin The first day of the Billing Cycles that L 3 month LIBOR v margin end in Jan., April, July, and Oct. D Pnme Rate+ margrn (Thefirstdayofeech Billing Cycle F I month LIBOR+ margrn How can I Avoid MemberEs~hi Feesy If a Renewal Notice rs pnnted an thw statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account To avord paying a monthly membership Fee, close your account and we writ stop assessrng your monthly membership Fee How can I Close My Account2 You can contact Customer Service anytime to request that we close your account ~ Account information: Your name and account number. ~ Dollar amount; The dollar amount of the suspected error. ~ Description of Problem if you think there is an error on your bill, describe what you believe is wrong and why you believe ri is a mistake. You musi contact us within 60 days affer the error appeared on your statement, You must notify us of any potential errors in wnting. You may call us or nobfy us electronicaily, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: ~ We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on thai amounf But, rf we determine that we made a mistake, you writ not have to pay the amount in question or any interest or other fees related to that amount. ~ While you do not have to pay the amount in question until we send you a notice about the outcome of our mvestigation, you are responsible for the remainder of your balance. ~ We can appty any unpaid amount against your credit limit. Wrthrn 90 days of our receipt of your letter, we wiii send you a written noses explaining erther that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with Ihe goods or services that you have purchased with your credit card, and you have tried in good farth to correct the problem with ihe merchant, you may have the nght not to pay the remaining amount due on the purchase. To use this nght, the following must be true; I) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; and 2) You must not yet have fully pard for Ihe purchase If ail of the cnteria above are met and you are still dissatisfied with the purchase, contact us rn wnting at Caprtai One, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to Ihe dksputed amount as discussed above After we finish our investigation, we writ tali you our deosron. At that point, if we think you owe an amount and you do not pay we may report you as delinquent 02016 Caprtal One. Caprtei One rs a federally regrstered serviu 8 mark ETC-08 11/01/16 How do vou Process Pavments2 When you make a payment, you authorize us to initiate an ACH or electronic payment that witt be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authonze us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Anolv Mv Pavment2 We generally apply payments up to your Minimum Payment fimt to the balance with the lowest APR (induding 0% APR), and then to balances with higher APRs. We apply any part of yourpaymenl exceeding your Minimum Payment to the balance wilh the highest APR, and Ihen to balances with lower APRs. Billino Riohts Summarv IDoes notate to Small Business Accountsl What To Do If You Think You Find A Mistake On Your Statement: If you think there is an enor on your statement, write to us at. Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. in your leffer, give us ihe following informabon: Chanaina Mailina Address? You can change your address by srgnrng rnto your account onkne or calling Customer Service I Online Bankrng by logging into your account, 2. Caprtal One Mobile Bankrng app for approved electronrc devices, 3. Calling the telephone number irsted on the front of this statement and providing the required payment informairon, 4 Sending mail payments to the address on the front of thts statement wrih the payment coupon or your account information When will vou Credit M~Pa ment 2 For mobrle, onlrne or over the phone, as of the busrness day we receive rt, as long as r t is made by 8 p m. ET. For mail, as of the busrness day we recerve rt, as long as it rs recerved by 5 p.m. local erne at our processrng center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) busrness days for mail delrvery Mailed payments received by us at any other location or payments in any other form may not be credrted as of ihe dey we receive them. 259 Page 2 of 2 World MasterCard Account Ending in 4925 Nov. 15, 2018 - Dec. 14, 2018 I 30 days m Billing Cycle n ~gt'dab&tat ~ e .--.=::4!i v a iwmirtte terra;-. ",:-::I,-:::.::vaj j.v..::.':,::.-ti.-,:-.:-;:::: v:I MELANY BASA ¹4925: Payments, Credits and Adjustments Date Description Amount -; Manage your account I anywhere, anytime, Pay your bill, set up alerts and more vvith the Capital One'obile app. MELANY BASA 84925: Transactions Date Description Amount Date Description Dec 11 PAST DUE FEE Tetal Fees for This Period Amount $ 35.00 $35.00 Interest Charge on Purchases $ 115.28 Interest Charge on Cash Advances Interest Charge on Other Balances Total Interest for This Period $0.00 $0. 00 $ 115.28 Totals Year-to-Date Total Fees charged Total Interest charged $95.00 $ 1.349.53 Your Annual Percentage Rate (APR) is the annual mterest rate on your account Type of Balance Annual Percentage Balance Subject Interest Charge Rate(APR) to Interest Rate Purchases 26.65% P $ 5,263 30 $ 115.28 Cash Advances 26 65% P $0 00 $0 00 P,L,D,F = Variable Rate. See reverse of page I for details 260 ~HVrrit. sTSTiirtiii . I iTATr Page 1 of 2 World Mastercard Account Ending in 4925 Dec. 15, 2018- Jan. 14, 2019 I 31 days in Binmg Cycle 'tpr&slPiilK1iii««t«S Payment Due Date Feb. 11, 2019 New Balance $5,478.27 For online and phone payments, the deadline is Bpm ET. Mmimum Payment Duo $932.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the mmimum payment each penod, you will pay more in interest and it will take you longer to pay off your balance. 'or example: Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance $5,353.44 $0.00 $0.00 + $0.00 + $0.00 + $0.00 + $ 124.83 = $5,478.27 Minimum Payment 20 Years $ 15,143 lf you would hke information about credit coupselmg services, cail 1-888-326-8055 Credit Limit Available Credit (as of Jan. 14, 2019) Cash Advance Credit Limit Available Credit for Cash Advances $5,750.00 $0.00 $ 150.00 $ 0. 00 3000ad r M m Your account is suspended, but you can get back on track. Iyi it capitalone.corn to nake 0 payment 2nd see tour payment options sr~i~„".ma&W Fd~~-~Q'cgp1+u~fjkdrriifae)'sf~isttbie™cterpengiggoncac'c~ii'nttrsraturs'2!*.-';i',Br'&%, Account Notifications !7!I 0'! O.timis &I&! I.'I tiii arcc!ii!I. p!&Jse 8 vo '. i '.", ai I 8&09&!&Br I''0 '-. b.. g c. o i JOY&r vf:I».;v th ough Fndsy fmn. !3 d n !0 I .»i l.l' i;I Satin lmsr!i '!» day '0& n 8 ..r Io 6& p.m, Your minimum payment was not received in time to avoid a late fee As a courtesy, we didn't charge you a tate fee this month. Please note that we may charge a late fee in future months if we don't receive at least your minimum payment by your due date Pay or manage your account on our mobile app or at : . -c c;&n. Customer Sermce: I 800 903 3637 See reverse for Important Information &~ffaad doff)Le Please serid us this portion of your statement snrl only one check (or one rsopey order) lo ensure yorrr payment is processed promptly Aaow at least seven business days for dehvery 4000 Ii New Balance $ 5,478.27 v I I I I i i !I;ii I ' 'i! e I i' 0 0 $932,00 MELANY BASA '907 BRUNETTI CT SAN JOSE. CA 95125-L31'I Payment Due Date: Feb. 11, 2D19 Account Ending in 4925 Amount Enclosed Manage your account on your time. P You cdn d&coss dc&or& fl ilifofril &Iron on ou sec urr w!."& fle dn)flirno, 247/ 6++!l'@+~napt."y'ou~r'irocco'ur'I'1'adt c'av&prtalonedtdflt!:=f "r ',9 Capital One P.O. Box I B59'I City of Industry. CA 91714-05'i9 I " ill filllllllli II illlff « ill I il " IIIIII'ill II'I'lllillll 25 I 4 9 2 5 1 4 5 4 7 8 2 7 0 1 6 7 0 0 0 9 3 2 0 0 3 001 How can I Avoid Pavina Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account rn fuii with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional ofiers may allow you lo pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charac aoolied? Interest Charges accrue fram the date of the transaction or the lirst day ot the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charac? We may assess a minimum Interest Charge of $0,50 for each Billing Cycle rf your account is subject to an Interest Charge. How do vou Calculate the Interest Charac'r We use a method called Average Darly Balance (including new transactions). 1. First, for each segment we lake the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Batance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges for ag segments together. The result is your total interest Charge for the Billing Cycle. The Average Daily Balance ts referred to as the Balance Subject to Interest Rais rn the Interest Charge Calculation section of this Statement. NOTE Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can mv Variable A~PR chan e'I Your APRs may increase or decrease based on one of the following indices (reported rn The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the interest Charge Calculation section of this statemenL Cade next to How do we calculate your When your APR(s) will change your APR(s) APR(s 2 Index+ margin P Pnme Rate+ margin L 3 month LIBOR + margin The first day of each Billing CycleD Prime Rate+ margin F I month LIBOR v margin How can I Avoid Membershio Fees? If a Renewal Notice rs prmted an this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after ihe last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fae, close your account and we will stop assessing your monthly membership Fee How can I Close Mv Account'I You can contact Customer Service anytime to request that we close your acrxrunt ~ Account information. Your name and account number. ~ Dollar amount; The dollar amount of the suspected error. ~ Description of Problem If you think there is an error on your bifi, descnbe what you believe is wrong and why you believe it rs a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may cati us or noiify us eleclronicaiiy, bul if you do we are not required to investigate any potential errors and you may have to pay ihe amount in question. We will notify you in wnting within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are trna: ~ We cannot try to collect the amount rn question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest an that amount But, rf we determine thai we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount ~ While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsrbie for the remainder of your balanrxt. ~ We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill Is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased viith your credit card, and you have tried rn good faith to correct the problem with the merchant, you may have the nght not to pay the remarnmg amount due on the purchase. To use this right, the following must be true: I) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credrt card account do not qualify; and 2) You must not yet have fully paid for the purchase. tf ail of the cntena abave are met and you are sbfi dissatisfied with the purchase, contact us in wnting at'apital One, P.O Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above After we fimsh our investigation, we will tell you our decision. At that point, if we think you owe an amount and yorr do not pay we may report you as delinquent. 2016 Capital One Capital One isa federally registered servim mark ETC-0811/01/16 How do vou Process Pavments? When you make a payment, you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do vou Aoolv Mv Payment? We generally apply payments up to your Minimum Payment first to the balance with the lowest APR (includkng 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. a What To Do If You Think You Find A klistake On Your Statement: If you think there is an error on your statement, write to us ab Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: Chanc(in(( Ma(linn Address? You can change your address by signing into your account onirne or calirng Customer Service How do I Make~pa ments v You may make your payment rn several ways: I Online Banking by loggrng rnto your account; 2 Caprtal One Mobse Banking app for approved electronic devices; 3 Cating the telephone number listed on the front of thrs statement and providing the required payment information, 4 Sendrng mari payments to the address an the front of thrs statement wrth the payment coupon or your account informah on When will vou Credit Mv Payment'7 For mobrie, online or over ihe phone, as of the business day we receive it, as long asrtis made by8pm ET. For marl, as of the business day we receive it, as long as it is received by 5 p m. local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Please allow at least seven (7) business days for marl dekvery. Mailed payments received by us at any other location or payments rn any other form may not be credited as of the day we receive them. 262 C~vgt~~One Page 2 of 2 World Mastergard Account Ending in 4925 Dec. 15, 2018- Jan. 14, 2019 I 31 days m Billing Cycle Bi~i;,,'"3'Yisit'::~"'"iapftj%i'o.",co'p4v totsee.detaije'dr transact)a'its:.';:.,:",:',=';+I MELANY BASA d4925: Payments, Credits and Adjustments Date Description Amount 300084 Stay on top of your credit score. Monitor your credit score iruith CreditWise burit right into the Capital One'obile app. MELANY BASA d4925r Transactions Date Date Description Description Amount i~m.r( 'Wy~g Amount Total Fees for This Period $0.00 Interest Charge on Purchases $ 12il83 Interest Charge on Cash Advances $0 00 Interest Charge on Other Balances $0 00 Total Interest for This Period $ 124.83 :-.:=~qkz~ql'";;-;5 ~&&a ji.';,:."''::::W!,. 'Dt'8 lhsrYB'aT tvDLDav'to&~::,;;::,".::;.:.': y -":::.".;:::;;,;::-'='..-.":-:, Total Fees charged $0.00 Total Interest charged $ 124.83 Your AnnualPercentage Rate (APR) is the annual interest rate an your account Type of Balance Annual Percentage Balance Subject Interest Charge Rate(APR) to Interest Rate Purchases 27 15% P $ 5,413.59 $ 124 83 Cash Advances 27.15% P $0.00 $0 00 P,L,D,F = Venable Rate See reverse of page 1 for details 263 Page 1 of 2 World Mastercard Account Ending in 4925 Jan. 15, 2019- Feb. 14, 2019 I 31 days in Billing Cycle ~ . ~t~~ Payment Due Da!e Mar. 11, 2019 New Balance $ 5,606.01 For online and phone payments, the deadline is Bpm ET MMMIT)uln Payment Diio $ 1,115.00 LATE PAYMENT WARNING: If we do not receive your mmimum payment by your due date, you may have to pay a tate fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the mmimum payment each penod, you will pay more in mterest and it will take you longer to pay oif your balance. For example: Previous Balance Payments Other Cred!ts Transactions Cash Advances Fees Charged Interest Charged New Balance ~ s I:taftftf $ 5,478.27 $0.00 $0.00 + $0.00 + $0.00 + $0.00 + $ 127.74 = $5,606.01 @i5% fitfix , j+(e':lfoy 'nel"ogsly cgggrbue Ototf",'pa t Mmimum Payment Youu'gyii/&"Oji&ot,,74) I 20 Years $ 15,156 Credit Limit Available Credit (as of Feb. 14, 2019) Cash Advance Credit Limit $5,750.00 N/A $ 150.00 lf you would like mformstion about credit oounselmg services, rag 1-888-326-8055 Available Credit for Cash Advances )oooo! ' cx v Vour account is restricted and past due. visi! capita)one.corn to m,)rm!,c yr. ui mcouni. arid PP yol I') Iy"TIPI!r of)!)nn) taj~wm~, Lgii!O",;;'.~g~gj=::,',:;=.:YDU'r!'C'rn'T~C)I'C'Biff'Tbt-be.'."Us'P''d:-':.:;:,:: -;-,, ' Account Notifications I or Ill L ti')Iis rico Jt t!itr I c!! Oi t. o'! Ise give! '- 11 c I Jl I B)JO95;*.0 'I J W I!, I! I 'I/O )on f)l lllav ii) )iigl Filch!) fioin 6 a;ii,;n l,,T I; a nl Satur 'riv ord -imam 'rom 3 a n . to 5 Jxi,, :- T Your mimmum payment was not recewed in time to avoid a late fee. As a courtesy, we didn't charge you a late fee this month Please note that we may charge a late fee m future months if we don't receive at least your minimum payment by your due date Pay or manage your account on our mobile app or at vww:„',risi „"p cni" Customer Service. I BOO 903 363/ See reverse for Important Information Please send v) tins portion of your staleroent and only one check (or one money order) to +waffdffrfy~fogd) ensure your payment is Orocr ssed prom pdy Allow at least seven Ovsmess days for delivery I C 0031 New Balance $ 5,606.01 )/ Ii'Ii'TIJ!'0 Pa)/f11PII! DLIP $ 11115.00 Payment Due Date: Mar. 11, 2019 Account Ending in 4925 Amount Enclosed Manage your account 5 ~: on your time. 'you L,u),ICCBSS 3! !nun infuirriauori on ou'emi»1 wc:) ac anytime; 24/'/ MELANY BASA 907 BRUNETTI CT SAN JOSE. CA 95125FB31'I - - "": M anagc yoooaccpugt Q capita ioi) e corn:,"-6.. i) Capital One P.O. Box L0599 City of Industry ~ CA 91715-0599 I " Iii iilliiillil II IIIIII liiii I ' " lllllliili li I I'i'IIII 264 4 9 2 5 1 4 5 6 0 6 0 1 0 1 6 7 0 0 '1 1 '1 5 0 0 5 001 The first day of the Billing Cycles that end in Jan.,Apnl, July, and Ocl The first day of each Bigrng Cycle.D Pnme Rate+ margin F I month LIBOR+ margin How can I Avoid Membershio Fees7 If a Renewat Notice rs printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day rn the Billing Cycle covered by this statement to request Ihat we close your account To avord paying a monthly membership Fee, close your account and we wrfi stop assessing your monthly membership Fea. How can I Close Mv Accounty You can contact Customer Senrice anytime to request thai we close your account. full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, bul then you do not pay your next New Balance in full, we wifi charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charac aooged7 Interest Charges accrue from the date of the transaction or the first day of the Biging Cycle. Interest Charges accrue on every unpaid amount until il is paid in fufL This means you may owe Interest Charges even if you pay the enUre New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid interest Charges are added to the corresponding segment of your account. 0D0vou assess a Minimum Interest Ch~ar 7 We may assess a minimum Interest Charge of $0.50 for each Brging Cyde if your account is subject to an Interest Charge. How do vou Calculate the Interest Charaeg We use a method called Average Daily Balance (including new transactions). I.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statemenl balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the darly balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.AI the end of each Bifiing Cycle, we multiply your Average Daily Balance for each segment by the daily penodrc rate (APR divided by 365) for that segment, and then we muitrpiy the result by the number of days in the Billing Cycle. We add the Interest Charges for ag segments together. The result is your total Interest Charge for the Briling Cycle. The Average Daily Balance is referred to as the Balance Subiect to Interest Rate in the Interest Charge Calculation section of this Statement NOTE: Due to roundrng or a mrnrmum interest Charge, this calculation may vary slightly from the Interest Charge actually assessed. How can mv Variable APR chanae7 Your APRs may increase or decrease based on one of the fofiowmg rndrces (reported tn The Wall Street Journal ). The tatter code below corresponds with the letter next to your APRs in the interest Charge Calculatron section of Ihrs statement. Code next to How do we calculate your When your APR(s) will change your APRfs'I APR(sa2 Index+ margin P Prime Rate + margin L 3 month LIBOR + margin How do vou Process Pavments'7 When you make a payment, you authonze us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your paymenL How do vou Aoolv MJLPayment7 We generally apply payments up to your Minimum Payment first to the balance with Ihe lowest APR (including 0M APR), and then to balances with higher APRs. We apply any pari of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Bigina Riuhts Summa~Does not Aoolv to Smail Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One P O. Box 30285 Salt Lake City, UT 84130-0285. In your lefier, give us the following information: 2016 Capital One Capital One rs a federally registered servrce mark ETC-08I U01/16 ~ Account information: Your name and account number. Dollar amount: The dofiar amount of the suspected error. ~ Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe ii is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writin You may call us or notify us electronically, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We writ notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: ~ We cannot try to collect the amount rn question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on ihat amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay ihe amount in queslron until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can appty any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we writ send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill rs correct Your Rights It You Are Dissatisfied With Your Purchase; If you are dissatisfied with tha goods or services that you have purchased with your credit card, and you have tried rn good faith to correct the problem wrlh Ihe merchant, you may have the right not to pay the remaining amount due on Ihe purchase. To use !his nght, the following must be true: I) You must have used your credrt card for the purchase. Purchases made wrth cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully pard for the purchase If sfi of the cnteria above are met and you are still dissatisfied with the purchase, contact us in wnting at Caprtal One, P 0 Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the dhsputed amount as discussed above After we finish our investigation, we wifi tafi you our decision. Ai that point, rf we think you owe an amount and you do nol pay we may report you as delinquent Chan()in(T Mal)in(T Address? You can change your address by srgmng into your account online or cafirng Customer Service How do I Make Pavmentsv You may make your payment in several ways: I Onlme Bankrng by logging into your account, 2 Capital One Mobrle Banking app for approved electronic devrces; 3 Calling the telephone number feted on the front of this statement and provrdrng the required payment rnformatron; 4. Sendrng marl payments to the address on the front of thrs statement with the payment coupon or your account mformatron When will vou Credit Mv Pavment 7 For mobile, online or over Ihe phone, as of Ihe business day we recmve rt, as long asrtrsmsdebyfip.m ET. For mail, as of the busrness day we receive rt, as iong ss rt rs received by 5 p.m. local tnne at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement Please allow at least seven (7) business days for mail delivery Marled payments received by us at any other locatron or payments in any other form may not be credrted as of Ihe day we receive them 265 Page 2 of 2 World Mastergard Account Ending in 4925 Jan. 15, 2019- Feb. 14, 2019 I 31 days m Billing Cycle - 44" let&tree(alai ,",':q,..;"v".-',j+gliejt ~a@i,'.tts'sidhe.c&nt'.tCraeeg de'ta ilhd ttranS'act iO'nS!;:;:, ':::4 MELANY BASA 44925: Payments, Credits and Adjustments Date Description Amount 3oouu5 '.. Protect your credit score. Oetect fraud with automatic alerts if your credit report changes vvirh CreditWise' biiilr right into the ( spital One'obiii'pp. MELANY BASA ¹4925i Transactions Date Description Amount Date Description Total Fees for This Period Amount $0.00 Interest Charge on Purchases $ 127. 74 Interest Charge on Cash Advances $0. 00 Interest Charge on Other Balances Total Interest for This Period $0.00 $ 1 27.74 Total Fees charged $0.00 Total Interest charged $252.57 ~ I Your Annual Percentage Rate (APRI is the annual mterest rate on your account. Type of Balance Purchases Cash Advances 27 15% P $0.00 $0.00 Annual Percentage Balance Subject Interest Charge Rate(APR) to Iiiterest Rate 27.15% P $5,539 82 $ 127 74 P,L,C,F = Vanable Rate. See reverse of page 1 for details 266 Page 1 of 2 World Mastergard Account Ending in 4925 Feb. 15, 2019- Mar. 14, 2019 I 29 days m Billing Cycle ~II I XPITfliPIITTILAII !HRiiWSh I I « I «N Ia'~ Payrneiit Due Date Apr. 11, 2019 For online and phone payments, the deadline is Bpm ET. Previous Balance Payments $5,606.01 $0.00 New Balance $ 5,723.94 Mmimum Payment Du $ 1,290.00 LATE PAYMENT WARNING: If we do not receive your mmimum payment by your due date, you may have to pay a tate fee of up to $35.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each penod, you will pay more m mterest and it will take you longer to pay off your balance. For example. Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance $0. 00 + $0.00 + $0.00 + $0.00 + $ 117.93 = $5,723.94 Minimum Payment 20 If you would lee mformation about credit counsetng senrices, call 1-888-326-8055. Credit Limit Available Credit (as of Mar. 14 2019) Cash Advance Credit Limit Available Credit for Cash Advances $5,750 00 N/A $ 150.00 N/A )oooa1 Your account is irestricied w L1 d 7 P s w u w ad T a T s and past due. Visit co pits lone.corn I o manor& o yr)ur .Icr onrit dnd SPP ) olir pavivleilt optlQns '~~'lW@&gw~ pic'ccount Notifications 'r Ni eslioiis shci t tliis c:..urt. peas gw. I. a cul at (Ql Your minimum payment was not recewed in time to avoid a late fee. As I Sr)ii Bi 6 tri I':), Wu 'r r,;iri!c 'ie 0 ymi 11cnday th ough Fn lay tiom a courtesy, we didn't charge you a tate fee this month. Please note tliat P d,n. ', I l, .r. Fl, ani) i atim".ave'rl Si cony from 3 a ir, to 5 p,m. we may charge a late fee in future months if we don't receive at least =T. your minimum payment by your due date Pay or manage your account on our mobile app or at,*.:":.;: *,,: *. o"'c Customer Serwce 1-300-903-3637 See reverse for Important I ~ formation Payment Due Date Apr. 11, 2019 New Balance V I, li MU'Il I'ii)'I«III I)I e $5,723.94 f 1,290.GQ Account Ending in 4925 Amount Enclosed Please send os this portion of your statement snrl only one check (or one mmiey order) to r/ &gllf&lgpyr" ensure your Oaymenl is prricessed proinptlr Allow at least seven busmess days for ilehvery .Icon)I f f 5 Manogo your account on your time. foU rdl'I dice: 5,1«QUIIT ln/UITiidtiori on ou secure rfel)site on)rtime, 24/7 MELANY BASA 907 BNUNETTI CT SAN JOSE. CA 95125-5319 I+~ggWIetamrrieugomysowur'occrcdunittnebgafttth)pjuedncgotrt'IM~AYN Capital One P.O Box k0599 City of Industry CA 91714-0599 I " lil 'ill'III'I'll'Ililll'Ilil ''l " lllllll'Ii'll'I'I'IIIIII 267 4 9 2 5 1 4 5 7 2 3 9 4 0 1 6 7 0 0 1 2 9 0 0 0 8 001 The first day of the Billing Cycles that end rn Jan., Apnl, July, and Oct The first day of each Billing Cycle.D Prime Rais + margin F I month LIBOR+ margin How can I Avoid Membershio Fees7 if a Renewal Notice rs pnnted on this statement, you may avoid paying an annual membership Fee by contacting Customer Servrce no later than 45 days after the last dsy in the Biging Cycle covered by this statement to request that we close your account To avoid paying a monthly membership Fee, close your account and we wig stop assessing your monfhly membership Fee. How can I Close Mv Account'I You can contact Customer Service anytime to request that we close your account. How can I Avoid Pavino Interest Charoes'I If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, bu! then you do not pay your next New Balance in full, we will charge interest on the porbon of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promogonal olfers may agow you lo pay less than the total New Balance and avoid paying Interest Charges on new purchases. Pfease refer to the front of your statement for additional infomrnation, How is the Interest Charac aoulied7 Interest Charges accrue from the date of the transaction or the first day of the Biging Cycle. Interest Charges accrue on every unpaid amount unlit it is paid in fug. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, bul did not do so the previous Biging Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do vou assess a Minimum Interest Charoez We may assess a minimum Interest Charge of $0,50 for each Billing Cyde if your account is subject to an Interest Charge. How do ou Calculate the Interest Char e'7 We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance, Then we subtract any payments and credits for that segment as of thai day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2, Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Brgrng Cycle The result rs the Average Daily Balance for each segment. 3.AI the end of each Billing Cycle, we multiply your Average Daily Balance Ior each segment by the daily penodhc rate (APR dkvided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the interest Charges for ag segments together The result is your total Interest Charge for the Biging Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in ihe Interest Charge Calculation section of this Statement. NOTE. Due to roundrng or a minimum interest Charge, this calcuiatron may vary slightly from the Interest Charge actually assessed. How can mv Variable APR chanoe7 Your APRs may rncrease or decrease based on one of the following indices (reported in The Waif Street Journal ). The letter code below corresponds wrth the letter next to your APRs in Ihe Interest Charge Calculation section of Ibis statement. Code next to How do we calculate your When your APR(s) wig change your APR(s) APR(s)7 Index+ margin P Prime Rate+ margin L 3 month LIBOR + margrn ~How do ou Process Pavments'I When you make a payment, you authorize us to initials an ACH or electronic payment that wil be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment How do vou Auolv Mv Pavmentq We generally apply paymenls up to your Minimum Payment firsi to lhe balance wrih rhe lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and Ihen to balances with lower APRs. Billina Riohts Summarv (Does not Aooiv to Small Business Accounlsi What To Do If You Think You Find A Mistake On Your Statement: If you Ihink there is an error on your statement, wdite to us at; Capital One P 0. Box 30285 Salt Lake City, UT 841 30-0285. In your letter, give us the following information: 2016 Capital One Capital One is a federally registered service mark ETC-08I U01/16 ~ Account information: Your name and account number. ~ Dogar amount: The dogar amount of the suspected error. ~ Description of Problem If you think there is an error on your bill, descnbe what you believe is wrong and why you believe it is a mistake. You must confed us within 60 days after the error appeared on your statement. You must notify us of any potential errors in wnting. You may call us or notify us electronically, but if you do we are not required to inveshgate any potential errors and you may have to pay the amount in question. We will notify you rn writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, Ihe following are true: ~ We cannot try to collect the amount rn question, or report you as delinquent on that amount The charge m question may remain on your statement, and we may continue to charge you interest on that amount. Bul, rf we determine that we made a mistake, you wig not have to pay the amount rn question or any interest or other fees related to that amount ~ yyhrle you do not have to pay the amount in question until we send you a notice about Ihe outcome of our mvastigatron, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit limit. Wrthrn 90 days of our receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill rs correcL Your Rights If You Are Dissatisfied With Your Purchase: if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried rn good faith to correct Ihe problem with the merchant, you may have the right not to pay the remarnmg amount due on the purchase. To use Ihrs nght, the fogowrng must be true. I) You must have used your credkt card for ihe purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualrfy, snd 2) You must not yet have fully pard for the purchase if ag of the cntena above are met and you are sbg dissalrsfied with the purchase, contact us rn wnbng at Capiiai One, P.O. Box 30285, Salt Lake City, UT 64130-0285. While we investigate, ihe same rules apply to the disputed amount as discussed above After we finish our investigation, we wrg tell you our deasion At that point, if we think you owe an amount and you do not pay we may report you as delinquent Chanaina lijlailina Address? You can change your address by signing into your account online or caging Customer Servrce How do I Make Pavmentsv You may make your payment rn several ways: I Onkne Banking by logging into your account; 2. Capital One Mobile Banking app for approved eiectronrc devices, 3 Calhng the telephone number lrsied on the front of this statement and providing the required payment information, 4. Sending mail payments to the address on the front of thw statement with the paymenl coupon or your account informabon. When will vou Credit Mv Payment'7 For mobile, onkne or over the phone, as of the business day we receive it, as long as it is made by 8 p m. ET. For mari, as of the busrness day we receive it, as long as rt rs received by 5 p.m. local time at our processing center You must send the bottom portion of this statement and your check lo the payment address on the front of this statement. Please allow at least seven (7) business days for mail delivery Mailed payments received by us at any other location or payments rn any other form may not be crsdrted as of the day we receive them 266 Page 2 of 2 World Mastergard Account Ending in 4925 Feb. 15, 2019- Mar. 14, 2019 I 2B days in Bilhng Cycle ~Mn:1st ~ s}. '4'-'::,:.;:.jyis!t'~+Qithjtth'pip'opt'o; seepdetailed:transactioris,":1-; -!:";5 MELANY BASA 44925i payments, Credits and Adjustments Dale Description Amount 300086 ', Get the app designed to save time. i Effortlessly manage your account on the go with ,'tin Capital One'obile app. MELANY BASA ff4925: Transactions Description Amount Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $ 117.93 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $ 117.93 Total Fees charged $0.00 Total Interest charged $370.50 Your flnnual Percentage Rate IAPR) is the annual interest rate on your account Type of Balance Purchases Annual Percentage Balance Subject Interest Charge Rate(APR) to Interest Rate 27 15% P $ 5,662 67 $ 117.93 Cash Advances 27.15% P $0. 00 $0 00 P,I,O,F = Venable Rate. See reverse of page 1 fnr iielails. 269 Page I of 3 World Mastercard Account Ending in 4925 Mar. 15, 2019 Apr. 14, 2019 I 31 days rn Billing Cycle 1%Ziiil Payment Due Date PAST DUE New Balance $ 5,857.40 IMPORTANT ACCOUNT UPDATES: For online and phone payments, tire deadiirie is Bprn ET. Mmr mum Payment Due $ 5,857.40 Prewous Balance Payments Other Credits Transactions Cash Advances $5,723.94 $0.00 $0. 00 + $0.00 + $0.00 Your full balance rs due. Any payment you make will reduce your balance and help pay off your debt faster. The amount you owe may differ it you'e entered into a separate payment agreement. Fees Charged Interest Charged New Balance + $0.00 + $ 133.46 = $5,857.40 Available Credit (as of Apr. 14, 2019) NIA 3000 9 Account Notifications We!carne to your account notifications Check back here each month for important updates about your account Pay or manage your account on our mobile app or at emr im» '.. c"',»r Customer Sar wee 1-800.2!IB-9319 See reverse for Important Information Please send us thrs portion of your statement and only one check (or one money orderl to dcarfpaffggatoffty ensure roar Oaymeet rs processed promptly Allow at least seven burmese days for delrvery A00030 I Payment Due Date Past Bue New Balance $5,857.40 Minimum Payment Due $ 5,857.40 Account Ending rn 4925 Amount Enclosed ~~One MELANY BASA 907 BRBNETTI CT SAN JOSE. CA 95125i 5319 Capital One P.O. Box 00599 City of Industry. CA '3171I-0599 I " l'I 'lflilllil il itllii'Illli'I ' " illllliill II I llillill 270 4 9 2 5 1 4 5 8 5 7 4 0 0 1 6 7 0 0 5 8 5 7 4 0 9 How can I Avoid Pavina Interest Charaes'? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transacbons that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in fug, we wig charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charac aaplied7 Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. «Do ou assess a Minimum Interest Charaey We may assess a minimum interest Charge of $0 50 for each Billing Cycle if your account is subject lo an Interest Charge. How do vou Calculate the Interest Charac'? We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we lake Ihe beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Bifiing Cycle. The result is the Average Daily Balance for each segment 3 At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges for afi segments together. The result w your total Interest Charge for ihe Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation sechon of this Statement NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed How can mv Variable APR change'? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The latter cade below corresponds with the letter next to your APRs in tha Interest Charge Calculation section of this statement. Code next to j How do we calculate your 'hen your APR(s) will change your Apts APR(s)7 Index+ margin P Prime Rate+ margin The first day of the Billing Cycles that L 3 month LIBOR+ margin end in Jan., Apni, July, and Oct D Prime Rate + margin The first day of each Billing Cycle. F I month LIBOR+ margin How can f Avoid Membershio Fees7 If a Renewal Notice is pnnted on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request that we close your account. ~ Account information: Your name and account number. ~ Dollar amount: The dollar amount of the suspected error. ~ Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us eiectronicaiiy, bul if you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in wnkng within 30 days of our receipt of your fetter. While we investigate whether or not there has been an error, the fogowing are true: ~ We cannot try to cogect the amount in question, or report you as delinquent an that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related Io ihai amount ~ While you do not have to pay the amount m question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. ~ We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith Io correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this nght, the following must be true') You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quakfy; and 2) You must not yet have fully paid for the purchase if ail of Ihe cntena abave are met and you are still dissatisfied with the purchase, contact us in wnting at Capital One, P.O Box 30285, Salt Lake City, UT 84130-0285 While we investigate, the same rules apply to the dispufed amount as discussed above After we finish our investigation, we wig tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent 0 2016 Capital One Capital One is a federally registered senses mark ETC-08 11/01/16 OOI How do vou Process Paymentsy When you make a payment, you authorize us to initiate an ACH or electronic payment that wilt be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-lime ACH or other electronic transfer fram your bank account We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do~on Aoolv Mv Pavmfigtt We generally apply payments up to your Minimum Paymeni firs to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Riohts Summarv (Does not Acolv to Small Business Accountsl What To Do If You Think You Find A Mistake On Your Statement: if you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 841304I285. In your letter, give us the following information: Chanaina j)jjailina Address? You can change your address by signing into your account online or cating Customer Service. Pay online at www.capita(one.corn How do I Make Payments'& You may make your payment in several ways. I Onkne Banking by logging into your account; 2. Capital One Mobile Banking app for approved electronic devices; 3 Calhng the telephone number listed on the front of ties statement and providing the required payment information, 4 Sending mail paymanls to the address on the front of this statement with the payment coupon or your account information. . Pay using Our mobile app When will vou Credit M~Pa ment? ~ For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p m ET. For mail, as of the business day we receive it, as long as it is received by 5 p m. local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement Please allow at least seven (7) business days for mail delivery Mailed payments received by us at any other location or payments in any other form may not be credited as of the day we receive them . 27(Any wntten requests on this form will not be honored. To manage your account, please refer to your bigmg statement for customer service options Page 2 of 3 World Mastergard Account Ending in 4925 Mar. 15, 2019 - Apr. 14, 2019 I 31 days in Bluing Cycle - I ~ r I !'i&-;&i:,:,:vi4ityn&iojtifBfdj'je';~t;:Foresee detailed jtransa'c'tj'oitst..t,' MELANY BASA 44925i Payments, Credits and Adjustments Date Description Amount 300079 MELANY BASA 44925: Transactions Date Description Amount Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $ 133.46 Interest Charge on Cash Advances $0 00 Interest Charge on Other Balances $0. 00 Total Interest for This Period $ 133.46 Total Fees charged $0.00 Total Interest charged $503.96 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Purchases Annuaf Percentage Balance Subject Interest Charge Rate(APR) to Interest Rate 27 15% P $ 5,788.25 $ 133.46 Cash Advances 27 15% P $0 00 $0.00 P,L,O,F = Vanable Rate See reverse of page 1 for details. 272 Your account has charged off. It is now being serviced by the Recoveries department. Call 1-800-258-9319 if you have questions about this notice. 273 201 M6 our t ff c h ecoveri ar ent. al est t t . Capital Once Customer Agreement Welcome to Capital One Thank you for opening a credit card account with us. This Customer Agreement including any changes to it { "Agreement" ) contains the terms of your agreement with Capital One. Definitions The meanings of the terms you see in italics appear in the Glossary section at the end of this Agreement. As used here, "you" and "your" mean each applicant and co-applicant for the Account; any person responsible for paying the Account; and any person responsible for complying with this Agreement. "We," "us," "our," and "Capital One" mean Capital One Bank (USA), National Association; and its agents, authorized representatives, successors, and assignees. Account Documents The following documents govern your Account with us: (1) this Agreement; (2) alf Statements; (3) any rewards program terms, conditions, and disclosures; {4) any privacy notices; (5) your Card benefits brochure which describes benefits provided by the Payment Card Network for your Account; (6) ail disclosures and materials provided to you before or when you opened your Account; (7) any other documents and disclosures relating to your Account, including those provided online; and (8) any future changes we make to any of the above. Please read these carefully and keep them for future reference. New Offers In the future, we may provide you with new offers that we think may interest you. The terms of these offers may differ from the standard terms on your Account. This Agreement will still apply. Account Information We need information about you to manage your Account. This includes (1) your legal name; (2) a valid U.S. mailing address and residential address (if different); (3) your date of birth; (4) your Social Security number or other government identification number; (5) your telephone number(s); and (6) your employment and income information You must tell us when this information changes. We may ask you for additional documents to verify any changes. We may restrict or close your Account if we cannot verify your information, or if you do not provide it as requested. Your Revolving Credit Line and Spending We will tell you your initial revolving credit line when you open your Account. We may increase or decrease your revolving credit line at any time without prior notice to you, unless notice is required by law, and we may limit or take away the credit available for Cash Advances. You can find your current revolving credit line on your Statement. We may not authorize transactions in excess of your revolving credit line. We may consider each transaction that may cause you to exceed your revolving credit line based on several factors, including your performance on this Account and other credit accounts you have with us and your performance with other creditors. If we do authorize transactions in excess of your revolving credit line, they will be subject to this Agreement. They will not result in an increase of your revolving credit line. Using Your Account (1) This Agreement applies whether or not you use your Card or Account. It will continue to apply even after your Account is closed, as fang as you have a balance. (2) Yoi& must sign the Card immediately when you receive it. (3) You must return the Card to us or destroy it if we ask you to. (4) You must take reasonable steps to prevent the unauthorized use of your Card, Access Checks and Account. (5) We may decline to authorize a transaction for any reason. This may occur even if the transaction would noi cause you to go over your revolving credit line or your Accoun(is not in default. (6) We are not responsible for any fosses you incur if we do not authorize a transaction. (7) We are not responsible for any losses you incur if anyone refuses to accept your Card for any reason. (8) tlnless we tell you otherwise, we will bill each transaction to the applicable Segment of your Account. We will apply it against your available credit for that Segment. (9) Yoi& may obtain Cash Advances and Transfers as permitted for your Account. You may not use these to pay any amount you owe us or any other company in the Capital One organization. (10) You must not use, or try to use, the Card for any illegal actiwty. You are responsible for any charges if you do. (11) We are not liable for any losses that may result when our services are unavailable due to reasons beyond our control. PLAINTIFF'B EXHIBITH Rewards Your Account may provide you with the opportunity to earn rewards. If it does, we will separately provide you with information and terms about the rewards. We may provide you with Access Checks. if we do, we will tell you at the time if we consider them purchases, Cash Advances or Special Transfers. Only the person we designate may use Access Checks. You may not use them to pay any amount you owe us or any other company in the Capital One organization. We may reject and not pay any Access Check if: (1) your Account is past due, charged off, bankrupt, lostl stolen or closed; (2) we suspect fraud; (3) your Accountis over the revolving credit line; or (4) the check has expired, is damaged or cannot otherwise be processed. Our liability if we do not pay an Access Check will never be more than (1) your actual damages or (2) the amount of the Access Check, whichever is less. Use of an Access Check is not the same as using your Card. When you use an Access Check, you will have fewer rights to dispute merchant transactions than with uses of your Card. Please see the "Billing Rights Summary" on your Statement and your other Truth-in- Lending Oisclosures for more information. Stopping Payment of Access Checks You may request a stop payment on any Access Check by contacting Customer Serwce. We will have a reasonable amount of time after your stop payment request to research and complete the stop payment. We will not be responsible if we cannot complete the stop payment Reasons include: (1) the Access Check was already paid; (2) you do not give us the information we asked for, or (3) the information you gave us was incorrect Wc do not have to release the stop payment order unless the account holder who made the request asks us to. lf we re-credit your Accouni after a valid stop payment order, you give us all of your rights againsl the payee or other holder of the paid Access Check You also agree to help us in any legal action we may later take against the payee or other holder of the check. Using a PIN We may give you a personal identification number (PIN). For secunty reasons, you may have to provide the PIN before you are able to use your Card Keep your PIN secure. Do not wnte it down, give it to anyone, or keep it with your Card. If you lose your Card or believe the confidentiality of your PIN has been compromised for any reason, you must contact Customer Service immediately. Authorized Users If you ask us to issue a Card to any other person, they are an Authorized User. We may require certain information about them. We may limit their ability to use your Card. They may have access to certain information about your Account. You will be responsible for their use of the Account and anyone else they allow to use your Account, even if you did not want, or agree to, that use. Removing an Authorized User If you want to remove an Authorized User from your Account, you must contact Customer Service and request their removal. You also must immediately destroy all Cards in their possession and cancel any arrangements they may have set up on your Account. They will be able to use your Account until you have notified us that you are removing them from your Account. During this time, you will still be responsible for ail amounts they charge to your Account. You will be responsible even if these amounts do not appear on your Account until later. Authorized Users may remove themselves from your Account upon request. We reserve the right to remove them from your Account for any reason. To remove them from your Account, we may close your existing Account and issue a new Card with a new Account number. Your Promise to Pay You promise to pay us all amounts due on your Account. This includes amounts where you did not sign a purchase slip or other documents for the transaction. We will treat transactions made without presenting your actual Card (such as for mail, telephone, Internet, or mobile device purchases) the same as if you used the Card in person. If you let someone else use your Card, you are responsible for all transactions that person makes. Statements We will generally send or make available to you one Statement for all Cards on your Account at the end of each Billing Cycle. Under certain circumstances, the law may not require us to send or make available tn you a Statement, or may prohibit us from doing so. Disputed Transactions You must inspect each Statement you receive. Tell us about any errors or questions you have, as descnbed in the "Billing Rights Summary" on your Statement and other Truth-in-Lending Oisclosures. I(you do not notify us of an error, we will assume that all information on the Statement is correct. lf we credit your Account for all or part of a disputed transaction, you give us all of your rights against others regarding that transaction. You will also. (1) give us any information about the disputed transaction, if we ask; (2) not pursue any claim or reimbursement of the transaction amount from the merchant or any other person; and (3) help us get reimbursement from others. No Warranties We are not responsible for any claim you may have regarding the purchase of goods or services made with your Card beyond your rights described in the "Billing Rights Summary" on your Statement. Lost or Stolen Card If your Card is lost or stolen or if you think someone else may be using your Carder Accounl number without your permission, you must contact Customer Service immediately. You wiil not be responsible for transactions on your Account that we find are unauthorized. If we reimburse you for unauthorized transactions, you will help us investigate, pursue and get reimbursement from the wrongdoer. Your help includes giving us documents in a form that we request. Interest Charges and Fees We will charge interest Charges and Feesto your Account as disclosed on your Stafemenf and other Truth-in- Lenoi'ng Disclosures. In general, Interest Charges begin to accrue from the day a transaction occurs. However, we wil( not charge you interest on any new transactions posted to the purchase Segmeniof your Account if you paid the total balance across all Segments of your Account in full by the due date on your Statement each month. From time to time, we may give you offers that allow you to pay less than the total balance and avoid lnleresl Charges on new purchase Segment transactions. If we do, we will provide details in the specific offer. We will generally treat Fees as purchase transactions unless otherwise specified befow. These Fees apply to your Account onfy if your Truth-in-Lending Disclosures provide for them. We may increase your Irileresi Charges and Fees as descnbed rn the Changes to Your Agreement section or in your iniili-in-Lending Disclosures. Membership Fee If your Accounl has a membership Fee, we may charge the first membership Fee either on the day you activate your Caro'r on the day when you use your Account, whichever occurs first. If your Account terms include a $0 introductory Fee, we may charge the first Fee when the introductory period ends. If it is an annual Fee, we may then charge it approximately once per year. If it is a monthly Fce, we may charge it each Billing Cycle. Late Payment Fee We may charge you this Fee if we do not receive your payment as instructed on your Siatemenl by the payment due date. Returned Payment Fee We may charge you this Fee each time your financial institution for any reason rejects a payment you make to us. Stop Payment Fee We may charge you this Fee each time you ask us to (1) stop payment on an Access Check or (2) renew an existing stop payment order. Cash Advance Fee We may charge you this Fee each time you take outa Cash Advance. We will treat this Fee as a Cash Advance transaction. Transfer Fee We may charge you this Fee each time you make a Transfer. We will charge the Fee to the same Segment where we post the Transfer. Transactions Made in Foreign Currencies If you make a transaction in a foreign currency, the Payment Card Ivelworkwill convert it into a U.S, dollar amount. The Payment Card Network will use its own currency conversion procedures. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date that appears on your Statement. We do not adlust the currency exchange rate or charge any currency conversion Fees. Minimum Payment You must pay us at least the minimum payment amount by the payment due date. Your Statement will tell you: (1) the minimum payment due, (2) your new balance, (3) the payment due date, and (4) an explanation of when the payment must reach us for us to consider it recewed as of that date Returns and other credits to your Account will reduce your Account balance, but they wilf not change your minimum payment amount. ln addition to the minimum payment, you may pay all or part of the total balance on your Accouril. But, you must still pay at least the minimum payment amount each month, even if you paid more than the minimum payment duo on the previous Slaienienl. We will continue to charge lnieresi Charge. clunng Biffing Cyc/es when you carry a balance regardless ol whether your 'laiemeni includes a minimum payment that is due. ff your Account is 180 days past due, is part of a bankruptcy proceeding or is otherwise charged off, the total balance is immediately due and payable Making Payments Your payment must be made in U S. dollars from a U.S. deposit account in a form acceptable to us We do not accept cash payments through the inail You may not make payments with funds from your Accoimior any other credit account with us or any other company in the Capital One organization. You must send mailed payments to us as instructed on your Statement, unless we tell you otherwise. Other Payment Services We may make services available that allow you to make faster or recurring payments online or by telephone. We will describe the terms for using these services and any applicable Fee before you use them. You do not have to use these other payment services. We are not responsible if your financial institution rejects a payment made using our payment services. If you ask someone else to make a payment for you, we may provide that person with limited Account information necessary to set up and process that payment. We may also refuse to accept that payment. If we do accept it, you will be responsible for that payment even if a financial institution rejects it. Payment Processing We may accept and process payments without losing any of our rights. We may delay the availability of credit until we confirm that your payment has cleared. This may happen even if we credit your payment to your Account. We may resubmit and collect returned payments electronically. If necessary, we may adjust your Account to correct errors, process returned and reversed payments, and handle similar issues. When you send us an Item as payment, you authorize us to make a one-time electronic fund transfer from your deposit account. You also authorize us to process the payment as an item. We may withdraw the funds from your deposit account as early as the same day we receive your payment. You will not receive your Item back from your bank. We will provide additional information about this process on your Siatemeni. We may use the information from an Itr.m to create an electronic image. We may collect and return the image electronically. This electronic image may also be converted to a substitute check and may be processed in the same way we would process an Item. We will not be responsible if an item you provide has physical features that when imaged result in it not being processed as you intended. How We Apply Your Payments Your Account may have Segments with different Annual Percentage Rates (APR). For example, purchases may have a lower APR than Cash Advances. If your Acr:ount has Segment balances with different APRs, here is how we apply payments in a Billing Cycle: (1) We generally apply credits and payments up to your minimum payment first to the balance with the lowest APR, and then to balances with higher APRs. (2) We apply any part of your payment exceeding your minimum payment to the balance with the highest APR, and then to balances with lower APRs. Items with Restrictive Words, Conditions, or Instructions You must mail all Items bearing restrictive words, conditions, limitations, or special instructions to: Capital One PO Box 1330 Charlotte, NC 28201-1330 This includes Items marked "Paid in Full" or similar language. This also includes all accompanying communications. If you make such a payment or send any accompanying communications to any other address, we may reject it and return it to you. We may also accept it and process it without losing any of our rights. Credit Balances We may reject and return any payment that creates or adds to a credit balance on your Account. Any credit balance we allow will not be available until we confirm that your payment has cleared. We may reduce the amount of any credit balance by any new charges. You may write to the address provided on your Statement or call Customer Service to request a refund of any available credit balance. Account Default You wilf be in default if: (1) you dlo not make any payment when it is due; (2) any payment you make is re)ected, not paid or cannot be processed; (3) you file or become the subject of a bankruptcy or insolvency proceeding; (4) you are unable or unwilling to repay your obligations, including upon death or legally declared incapacity, (5) we determine that you made a false, incomplete or mis(eading statement to us, or you otherwise tried to defraud us; (6) you do not comply with any term of this Agreement or any other agreement with us; or (7) you pcrinanently reside outside the United States. If you are in default, we may take certain acbons with respect to your A count. For example, depending on the default, we may take the following actions, without notifying you, unless the law says that we must give you notice: (1) charge you Fees, or change the APRs and Fees on your Account, if provided in your Truih-in-Lending L)isciosures, (2) close or suspend your Account; (3) lower your revolving credit line; (4) demand that you immediately pay the total balance owing on your Account (5) continue to charge you Interest Charges and Fees as long as your balance remains outstanding; and/or (6) file a lawsuit against you, or pursue another action that is not prohibited by law. If we file a lawsuit, you agree to pay our court costs, expenses and attorney fees, unless the law does not allow us to collect these amounts. Communications You agree that we may communicate with you by mail, telephone, email, fax, prerecorded message, automated voice, text message or other means allowed by law regarding your Account. You agree that we may contact you at any telephone number (including a mobile telephone number that you provide us), and use an automated telephone dialing system or similar device to do so. You agree that we may monitor or record any conversation or other communication with you. Credit Reports We may report information about your Account to credit bureaus and others. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. Information we provide may appear on your and the Authorized Users'redit reports. If you believe that we have reported inaccurate information about your Account to a credit bureau or other consumer reporting agency, notify us in writing at PO Box 30281, Salt Lake City, UT 84130-0281. When you write, tell us the specific information that you believe is incorrect and why you believe it is incorrect. We may obtain and use credit, income and other information about you from credit bureaus and others as the law allows. Closing or Suspending Your Account You may contact Customer Serwce to ask us to close your Accouni. We may close or suspend your Account al. any time and for any reason permitted by law, even if you are not in default. if we close or suspend your Accouni for any reason, you must stop using your Card. You must also cancel all billing arrangements sot up on the Account. If we close or permanently suspend your Accounl, you must return or destroy alf Cards. You must still pay us all amounts you owe on the Account Changes to Your Agreement At any time, we may add, delete or cfiange any term of this Agreement, unless the law prohibits us from doing so. We will give you notice of any changes as required by law. We may notify you of changes on your Statement or in a separaii. notice. Our notice will tell you when and how the changes will take effect The notice will describe any nghis you have in connection with the changes. Your vanable APRs (if applicable) can go up or down as the index for the rate goes up or down lf we increase your APRs for any other reason, or if we change your Furs or other terms of your Account, we wifl notify you as required by law. The Law That Applies to Your Agreement We make decisions to grant credit and issue you a Card from our offices in Virginia. This Agreement is governed by applicable federal law and by Virginia law. If any part of this Agreement is unenforceable, the remaining parts wifl remain in effect H Waiver We will not lose any of our rights if we delay or choose not to take any action for any reason. We may waive our right without notifying you. For example, we may waive your Interest Charges or Fees without notifying you and without losing our right to charge them in the future. Assignment This Agreement will be binding on, and benefit, any of your and our successors and assigns. You may not sell, assign or transfer your Account or this Agreement to someone else without our written permission. We may sell, assign or transfer your Accouniand this Agreement without your permission and without prior notice to you. Any assignee or assignees will take our place under this Agreement. You must pay them and perform all of your obligations to them and not us. If you pay us after we notify you that we have transferred your Account or this Agreement, we can return the payment to you, forward the payment to the assignee, or handle it in another way that is reasonable. Glossary « "Access Check" means any check we send to you to access credit from your Account. We may also refer to an Access Check as a "convenience check" or a "purchase check". ~ "Account'"means your Card Accouniwith us. ~ '"Authorized User" means a person who may use the Card, but is not responsible for the repayment of the Account. ~ "Balance Transfer" means a Transfor posted to the purchase Segment of your Account unless otherwise described in your Truth-in-Lending Oisclosures « "Billing Cycle" means the period of time reflected on a Statement. This penod may vary in length, but is approximately 30 days. You will have a Billing Cycle even if a Statement is not required. We will often specify a Billing Cycle by the month in which its closing date occurs. For example, a "March Bilkng Cycle'ill have a closing date in March We may also refer to a Biiling Cycle as a "8ilfing Period". if your Account balance has charged off, we may switch to quarterly Bilkng Cycles for your Account. « "Card" means any Capital One credit card associated with your Account This includes ail renewals and substitutions. It also means any other access device for your Account we give you that aflows you to obtain crodit, including any Account number. « "Cash Advance" means a loan in cash or things we consider cash equivalents, including wire transfers, travefers'hecks, money orders, foreign currency, lottery tickets, gaming chips, and wagers. We post Cash Advance" to the Cash Advance Segment of your Account and noi to your purchase Segment. ~ "Fees" means charges imposed on your Account not based on the Annual Percentage Rates. ~ "Interest Charges" means any charges to your Account based on the application of Annual Percentage Rates. ~ "item" means a check, draft, money order or other negotiable instrument you use to pay your Account. This includes any image of these instruments. This does not include an Access Check. ~ "Payment Card Nettfrnrk" means the network provider displayed on your Card. This may be Visa Inc., MasterCard International Incorporated, or any other network provider. ~ "Segments" means the different parts of your Account we may establish that are subject to unique APRs, pricing, or other terms. We create these parts of your Account for such things as your purchases, Balance Transfers, Cash Advances and Special Transfers. The sum of your Segment balances equals your total Account balance. ~ "Special Transfer" means a Transfer posted to a Segment of your Account that is not your purchase Segment or Cash Advance Segment. ~ "Statement" means a document showing important Accountinformation, including all transactions billed to your Account during a Billing Cycle and information about what you must pay. We may also refer to your Statement as a "Periodic Statement'r a "Billing Statement". ~ "Transfers" means amounts transferred from other accounts to this Account and includes Balance Transfers and Special Transfers. ~ "Truthin-Lending Disclosures" means disclosures that the federal Truth in Lending Act and Regulation Z require for any Account. This includes your application and solicitation disclosures, Account o pen ing disclosures, subsequent disclosures, Statements, and change in terms notices. ff"uPfttnlgne" CO 201st Capital One Capital Oiie is a federally registered service mark All nghts reserved RR281639 M 112856 COF Customer Agreement 058 PROOF OF SERVICE I SUPERIOR COURT Ol'ALIFORNIA, COUNTY OF SANTA CLARA DOWNTOWN SUPERIOR COURT 3 RE; Capital One Bani& (USA), N.A. vs. MELANY BASA, 4 CASE NO: 20CV363579 I declare that: I am a resident of, or employed in, Santa Clara County, California. I am over the age of eighteen years and not a party to the within entitled cause; My business address is: 7017 Realm Dr., San Jose, CA 95119 8 On July 7, 2021, I served thc attached: 9 - PI.AINTIFI 'S PROPOSED TRIAL EXHIBITS on thc interested parties in said cause, by placing [ ] the original; [X] true copy thereof enclosed in a sealed envelope addressed as follows: 12 MELANY BASA '/0 LeJeune Law, PC 2801 Camino Dcl Rio South, Suite 200A, San Diego CA 92108 14 15 16 17 [ ] 13Y MAIL:placing the envelope for collection and mailing following our ordinary business practices. I am readily familiar with this businesses practice for collecting and processing correspondence for mailing. On thc same day that correspondence is placed for collection and mailing, it is deposited in the ordinary course of business with the United States Postal Service in a sealed envelope with postage fully prepaid. ] BY PERSONAL SFRVICE: I caused such envelope to be delivered by hand to this oflice(s) I 9 of the addressee(s). 20 [X] BY UNITED PARCFL SERVICE: I caused such envelope to be delivered by United Parcel Service for overnight courier service to the ofltce(s) of the addressee(s). 21 [ ] BY FACSIMILE: I caused a copy of such document to be sent via FACSIMILE to:(~= 23 24 I declare under penalty of perjury under the laws of the State of California that the foregoing is true and correct that this declaration was executed on July 7, 2021, in San.lose, CA. 25 I&evin Brendon Buiza 27 28 Page I of I 1 391220.001
