EFTA00123723.pdf

Capital_()fie Page 1 of 2 Customer Service www.capdalone.com Platinum MasterCard PEWBALANCE $166.71 MINIMUM PAYMENT &ISA° e!'• ALFAS( PAY AT ILAIST DISMOUNT Account ending in DUE DATE Feb 12.2017 Credit Limit 5750.00 Available Credit: 5583.29 Previous Balance $13.21 j — Cash Advance Credit Limit SI00.00 Available Credit for Cash Advances: $583.29 Payments and Credits L $407.92 Dec.16 - Jan. IS, 2017 31 Days in Billing Cyde ] MINIMUM PAYMENT WAMANG: Nyco wee celytherreirrompayrtorteachpeiod. ycu ail pay rue iteeslaxl e ma° youlorgerb pay cdp:u telarce. Forman*: Payment Amount Each Period It No Approximate Time to Pay Olt Estimated Additional Charges Are Made Statement Balance Total Cost lairrunParnert 1614:rdysi Pyounoldlienlormstcoatotamilcanscikmatevces.oe LATE PAYMENT WARNING: Ewe& ix receaeyourrintrun papa boarduedale. you rray ham a:, pay a late be MSIRCO $196 Fees and Interest Charged $0.50 ) Transactions $560.92 New Balance $166.71 I New York residents may contact the New York State Department of Anancial Services to obtain a comparative listing of aedit card rates, fees, and race riods. Contact the New YorkState Department of finandal SeMces: or www.dfs.ny.gov. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR 1 11 JAN Cap 1 ElecPhonePmt VRUAuthDate 11-JAN TRANSACTIONS FOR 1 22 DEC AMERICAN TK#: PSGR: ORIG: YYZ ()EST: LGA NO: 0 CARRIER: AA SVC: V 2 25 DEC GOOGLE 'Magic Minorg.00lpayhelp#CA 3 31 DEC PEACH AND LILY8003389152NY 4 03 JAN AMERICAN 00010269972350TORONTOON CURRENCY: CAD EXCHANGE RATE: 1.334519573 TK#: C010269972350 PSGR: Transactions continue on page 2 ($407.92) $206.45 $0.99 $69.68 $19.67 Due Date Its easy to set up your FREE account alerts: First, "Log In" to Online Banking. Next, sign up by: 1. Clicking "Messaging and Alerts" 2. Clang "Set Alerts" 3. Choosing the free alerts you'd like to receive Your carrier may charge a fee for each text message alert you receive. 300007C 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 23.40% P $11.20 $0.00 Cash Advances 25.40% P S0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVVVW.CAPiTALONE.COM TO MAKE YOUR PAYMENT ONLINE. Feb.12,2M7 Account ending in I= New Balance Minimum Payment C $166.71 $15.00 )1. PLEASE PAY AT LEAST THIS AMOUNT BROOKLYN, NY 11234-4029 Mod Amount Enclosed ENJOY 24/7 ACCESS TO YOUR ACCOUNT _op in and range your account amine at wacapaalone win • pei bus • Crock your bblint• • A a, 'en transactions Ca ital One Bank (USA). N.A. Charlotte, NC 28272-1063 EFTA00123723 How can I Avoid Paving Interest Charges? If you pay your statemenrs 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 accoian 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 04 the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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 informabon. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Inkiest Charges accrue on every unpaid amount until it is paid in kill. This means you may Owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your accoint is subject lo an Interest Charge. FlOv_ate_you Calculate the Interest Chem? 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 days 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 br each segment. we add the daily balances together and divide the sum by the number of days in the Riling Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Billing Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multgly the result by the number of days In the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred to as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reponed in The Wag 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 your APFt(s) P L How do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR + margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. ard Oct. F Prime Rate + margin 1 month LIBOR + margin Row can I Avoid Membership Fees? If a Renew pre statement ou may avoid paying an annual membership Fee by contacting Customer Service no late: than 45 days after the last day in the Biting Cycle covered by this statement to request that we close your account. To mod paying a monthly membership Fee, close you account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact me Service anytime to request that we close your account. Changing Mailing Address? The first day of each Billing Cycle. al Notice had t h You can change your address rnmedatehr at capnalone.com or convict, the information below. and man this coupon with your payment. Please print using blue or black ink. Street City State Zip code Plane Final How do you Process Payments? 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-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 process your payment. How do you Apply My Payment? We generally apply payments up to your Mono Payment first to the balance with the lowest APR including 0% APR). and then to balances with higher APRs. We apply any pan of yourpayment exceeding your Minimum Payment to the balance with the highest APR and then to balances with lower APRs. Billing Rights Summary (Does not/loch to Small Bigness Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on it statement. write to us at: Capital One Salt Lake City. UT 84130-0285. In your letter. give us the following nktmation: • 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 co your bit 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of your letter. Wile we investigate whether or not there has been an error, the taming 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 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 hmit. Within 90 days of our receipt of your letter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the big 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 cared the problem with the merchant you may have the right not to pay the retuning 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 qualify. and 2) You most not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. 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 pont. if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 ti 2016 Capital One. Capital One is a federaly registered service mark 11i131/16 How do I Make Payments? You may make your payment in several ways: 1. Online Banking by logging into your account: 2. Capital One Mobile Barking 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. When will you Credit My Payment? • For mobile, online or over the ohms. as of the business day we receive it as bog as it is made by 8 p.m. ET. • For mall, 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 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. (411 1$ EFTA00123724 Capitalone ai2 of 2 Customer Service www.capitalone.com Dec. 16 -Jan. 15, 2017 31 Days In Billing Cyde Credit Limit S750.00 Platinum MasterCard Account ending In Available Credit 5583.29 &W BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit 5100.00 $166.71 $16.00 Fth 12,2017 Available Credit for Cash Advances: 5100.00 Previous Balance $13.21 Payments and Credits Fees and Interest Cha ed $407.92 Transactions New Balance - 1 $560.92 c $166.71 TRANSACTIONS CONTINUED TRANSACTIONS FOR (CONTINUED) ORIG: EBC, DEST: FEE 90:0 CARRIER: AA SVC: 5 04 JAN HAAGEN DAZSWEST NYACKNY $18.42 6 04 JAN I LY 2WEST NYACKNY $79.50 7 12 JAN SALLY BEAUTY 019078ROOlaYNNY $28.59 8 12 JAN MADRAG 6300868ROOKLYN NY $117.63 9 12 JAN 9 WEST OUTLET 025B2BROOKLYNNY $19.99 Tolailor $680.92 Do• TdalTarsedlonsltiblkdod $560.92 FEES I 14 JAN MINIMUM INTEREST CHARGE $0.50 Total Fees TM Period $0.50 INTEREST CHARGED Total Interest This Period S0.00 TOTALS YEAR TO DATE Total Fees TM Year S0.50 Total Interest This Year S0.00 EFTA00123725 Capita Ot Page 1 of 2 041orner Sertce www.CaphalOne.COm Platinum MasterCard PEWBALANCE $471.12 Credit Limit 5750.00 Available Credit: 5278.88 Previous Balance S166.71 MINIMUM PAYMENT $15.00 e!'• mfaSE PAY AT YEAST ThiSMOuNT Account ending in DUE DATE Mar 12, 2017 Cash Advance Credit Umit $100.00 Available Credit for Cash Advances: $100.00 Payments and Credits $514.51 j Jan. 16 - Feb. 15, 2017 31 Days in Billing Cyd1 MINIMUM PAYMENT WARNING: Nyco mike arty Me maremperwleachpetad. mu MI pay rrue initcresla4 A MIRA° you lonaert poi ol Au [dance. For exalle: Payment Amount Each Period II No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost lAntrun Patten 6Yws S347 $18 3Was I SOSO Estimated savings If balance Is pald off in about 3 yean: $187 II you %old lie stematalabas neck cculsdho smices. adl LATE PAYMENT WARNING: Nada= rectmep.rnannun partai by yarduedie. Au way ham ki pay a Late ke cltp b$I9ta Fees and Interest Charged I SO 00 + New York residents may contact the New York State Department of Anancial Services to obtain a comparative listing of aedit card rates, fees, and race rods. Contact the New YorkState Department of Finandal SNviCei: or www.dfs.ny.gov. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR 1 18 JAN CheapTbe7237924697077vmw.aix.infoWA 2 03 FEB Cap 1 BecPhonePmtVRUAuthDate 03.FE8 TRANSACTIONS FOR 1 18 JAN Cheapnye7237924697077vmw.aix.inloWA 2 18 JAN AMAZON MKTPLACE PMTSAMZN.COM'BILLWA 3 18 JAN WESTIET PSGR: ORIG: YYZ OEST: LGA 5/0: 0 CARRIER: WS SVC: I 4 23 JAN AMAZON MKTPIACE PMTSAMZN.COPNBILLWA S 23 JAN APPLEMES 981635500537GLENMONTNY 6 24 JAN SUNOCO 0395691900 OPSALBANYNY Transactions continue on page 2 (1500.00) $22.00 $30.37 $104.61 $21.42 $48.48 $30.03 Due Date Transactions New Balance S818.92 SAMSUNG pay $471.12 300075 Introducing Samsung Pay Pay almost anywhere you can swipe or tap your card. Learn more at: www.capitalone.com/ samsungpay Certain Capital One ay., s are not eligible, including partner card% NTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge Purchases Cash Advances 23.40% P 25.40% P S0.00 S0.00 S0.00 S0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account ending in New Balance Minimum Payment Amount Endo:cc Mar. 12,2017 $471.12 $15.00 BROOKLYN, NY 11234-4029 Red PLEASE PAY AT LEAST THIS AMOUNT Your new statement is coming next month. Redesigned with you in mind. 400025 Watch a video walk-through of your new simplified statement at: capitalone.com/MyNewStatement Ca ital One Bank (USA). N.A. Charlotte, NC 28272-1063 EFTA00123726 How can I Avoid Paving Interest Charges? If you pay your statemenrs 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 accoian 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 04 the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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 informabon. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Inkiest Charges accrue on every unpaid amount until it is paid in kill. This means you may Owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your accoint is subject lo an Interest Charge. FlOv_ate_you Calculate the Interest Chem? 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 days 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 br each segment. we add the daily balances together and divide the sum by the number of days in the Riling Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Billing Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multgly the result by the number of days In the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred to as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reponed in The Wag 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 your APFt(s) P L How do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR + margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. ard Oct. F Prime Rate + margin 1 month LIBOR + margin Row can I Avoid Membership Fees? If a Renew pre statement ou may avoid paying an annual membership Fee by contacting Customer Service no late: than 45 days after the last day in the Biting Cycle covered by this statement to request that we close your account. To mod paying a monthly membership Fee, close you account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact me Service anytime to request that we close your account. Changing Mailing Address? The first day of each Billing Cycle. al Notice had t h You can change your address rnmedatehr at capnalone.com or convict, the information below. and man this coupon with your payment. Please print using blue or black ink. Street City State Zip code Plane Final How do you Process Payments? 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-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 process your payment. How do you Apply My Payment? We generally apply payments up to your Mono Payment first to the balance with the lowest APR including 0% APR). and then to balances with higher APRs. We apply any pan of yourpayment exceeding your Minimum Payment to the balance with the highest APR and then to balances with lower APRs. Billing Rights Summary (Does not/loch to Small Bigness Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on it statement. write to us at: Capital One Salt Lake City. UT 84130-0285. In your letter. give us the following nktmation: • 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 co your bit 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of your letter. Wile we investigate whether or not there has been an error, the taming 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 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 hmit. Within 90 days of our receipt of your letter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the big 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 cared the problem with the merchant you may have the right not to pay the retuning 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 qualify. and 2) You most not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. 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 pont. if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 ti 2016 Capital One. Capital One is a federaly registered service mark 11i131/16 How do I Make Payments? You may make your payment in several ways: 1. Online Banking by logging into your account: 2. Capital One Mobile Barking 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. When will you Credit My Payment? • For mobile, online or over the ohms. as of the business day we receive it as bog as it is made by 8 p.m. ET. • For mall, 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 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. (411 1$ EFTA00123727 Capital Pa 2 of 2 Customer Smite www.capilaione.com Platinum MasterCard NB? BALANCE $471.12 MINIMUM PAYMENT $15.00 Account ending in DUE DATE MIX12,2017 Previous Balance $166.71 Payments and Credits $514.51 ran.% - Feb. IS, 2017 31 Days in Billing Cyde Fees and Interest Cbarpid $0.00 I Credit Limit 5750.00 Available Credit 5278.88 Cash Advance Credit Umit 5100.00 Available Credit for Cash Advances: 5100.00 Transactions New Balance $818.92 Th $471.12 ) TRANSACTIONS CONTINUED TRANSACTIONS FOR (CONTINUED) 7 27 JAN LAGUARDIA USA, LLCNEWYORIOIT 8 31 JAN WESTJET PSGIt ORIG: LGA, DEST: YYZ CARRIER WS SVC: I ORIG: YYZ (AST: LGA 90: 0 CARRIER: WS SVC: I 9 31 JAN PEACH AND LILY8003389152NY 10 07 FEB WEN DYS 8513GLEN MOUTHY 11 08 FEB MACYS FLUSHINGFWSHINGNY 12 08 FEB ALDO US 02156WFST NYACKNY 13 08 FEB EXPRESS00215WEST NYACKNY Talellor $29.50 $199.26 5108.88 $9.16 $84.92 $52.17 $78.12 $818.92 ► TotallarsaclicallikFtiod $818.92 FEES INTEREST CHARGED TOTALS YEAR TO DATE Total Fees This Period $0.00 Total Interest This Period $0.00 Total Fees This Year $0.50 Total Interest This Year $0.00 ••• EFTA00123728 Capita One Page 1 of 2 Platinum MasterCard Account Ending in Feb. 16. 2017 - Mar. 15, 2017 I 28 days in Billing Cycle Payment Information Payment Due Date Apr. 12, 2017 New Balance $295.12 For online and phone payments. the deadline is 8pm ET. Minimum Payment Due $15.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated month you pay... in about... total of.. Minimum Payment 3 Years $398 If you would like information about credit counseling services, call •cceunt Summ.ry Previous Balance $471.12 Payments - $450.00 Other Credits $0.00 Transactions + $270.68 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $3.32 New Balance Credit Limit = ;295.12 $750.00 Available Credit (as of Mar. 15, 2017) $454.88 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 Make a statement Go paperless. Stop waiting for your bill to arrive in the malt and go paperless today. 300083 to Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: capita ; Please send us this portian of your statement and only one check (or one money order) to ensure your payment is processed promptly. Mow at least seven business days for delivery. Payment Due Date: Apr. 12, 2017 Account Ending in New Balance $295.12 Minimum Payment Due $15.00 BROOKLYN. NY 112314-4029 Illurl Amount Enclosed See reverse for Important Information 400039 Pay your bill on the go. Pay your bill securely and reviewtransactionswith the Capital One mobile app. Text nload the app. Capital One Bank (USA). N.A. Charlotte, NC 28272-1063 EFTA00123729 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123730 Capital(* Page 2 of 2 Platinum MasterCard Account Ending in Feb. 16. 2017 . Mar. 15, 2017 I 28 days in Billing Cycle Transactions Visit ir cum to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Mar 10 Cap 1 ElecPhonePmt VRUAuthDate 10-MAR - $450.00 Transactions Date Description Amount Feb 14 SUNOCO 0042304602 QPSCLARENCENY $34.09 Feb 19 AMAZON MKTPLACE PMTSAMAZON MKTPLAWA $47.80 Feb 20 AMAZON MKTPLACE PMTSAMAZON MKTPIAWA $19.90 Feb 27 SEPHORA SCAR TWN CTR 5SCARBOROUGHON 31.64 CAD 1.309060819 Exchange Rate $24.17 $27.58 Feb 28 SUNOCO 0015423703 QPSSYRACUSENY Feb 28 PIZZA HUT 317003170859ALBANYNY $17.85 Mar 1 MACYS COLONIE CENTERALBANYNY $13.48 Mar 2 WM SUPERCENTER 13583GLENMONTNY $9.71 Mar 8 EC(ONMOBIL 97375604LITTLE FALLSNY $35.40 Mar 12 EC(ONMOBIL 97375943AMSTERDAMNY $40.70 M Total Total Transactions for This Period $270.68 $270.68 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $3.32 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $3.32 a t017 Totals Year-to-Date Total Fees charged in 2017 Total Interest charged in 2017 $0.50 $3.32 Interest Charge Calculation 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 23.40% P $184.80 $3.32 Cash Advances 25.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300088 7 .) c,,, , Get toots to help you manage and track your wending in real bme with Capital One Waller. Track your card's every move. EFTA00123731 Capita Page 1 of 2 Platinum MasterCard Account Ending in Mar. 16. 2017 - Apr. 15. 2017 1 31 days in Billing Cycle Payment Information Payment Due Date May 12, 2017 For online and phone payments, the deadline is 8pm ET. New Balance $499.07 Minimum Payment Due $15.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated month you pay... in about... total of.. Minimum Payment 6 Years $19 3 Years $946 $702 Estimated savings if balance is paid off in about 3 years: $244 If you would like information about credit counseling services, call O , cceunt Summ.ry Previous Balance $295.12 Payments - $300.00 Other Credits $0.00 Transactions + $498.92 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $5.03 New Balance Credit Limit = $499.07 $750.00 Available Credit (as of Apr. 15, 2017) $250.93 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 See purchases on your time- 300078 carmi in real time. Capital One Wallet" gives you instant purchase notif cations. And you can lock your card anytime. Account Notifications New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at viww.capitatone.com. Customer Service: Please send us this portion of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: May 12, 2017 Account Ending in New Balance $499.07 Minimum Payment Due $15.00 BROOKLYN. NY 11234-4029 Amount Enclosed See reverse for Important Information 400035 Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go papedess today itch to paperless. Capital One Bank (USA). N.A. Charlotte. NC 28272-1083 EFTA00123732 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123733 Page 2 of 2 Platinum MasterCard Account Ending In Mar. 16. 2017 Apr. 15, 2017 I 31 days in Billing Cycle Transactions la Jur !v.'s'', to see detailed transactions. Payments, Credits and Adjustments Date Description Mount Apr 11 Cap 1 ElecPhonePmt VRUAuthDate 11-APR - $300.00 Transactions Date Description Amount Mar 17 NICKS LIVE LOBSTERSBROOKLYNNY $55.00 Mar 19 WM SUPERCENTER 13583GLENMONTNY $86.93 Mar 22 WAL-MART 113583GLENMONTNY $15.64 Mar 23 GAS BAR 41770 - PUMPKINGSTONON 50.00 CAD 1.332622601 Exchange Rate $37.52 Mar 27 MAPLE DALE NICE & EQ39BARNEVELDNY $34.97 Mar 31 AMAZON MKTPLACE PMTSAMZN.COWBILLWA $58.76 Apr 1 SUNOCO 0395691900 QPSALBANYNY $24.37 Apr 1 SUNOCO 0867528201 QPSLE ROYNY $30.28 Apr3 SUNOCO 0015416101 QPSWESTMORELANDNY $33.56 Apr 5 AMAZON MKTPLACE PMTSAMZN.COWBILLWA $47.00 Apr 10 AMAZON MKTPLACE PMTSAMZN.COWBILLWA $10.97 Apr 12 E10(ONMOBIL 97376024FRANKFORTNY $30.56 $33.36 $498.92 $498.92 Apr 13 AMAZON MKTPLACE PMTSAMZN.COWBILLWA M Total Total Transactions for This Period Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $5.03 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 $5.03 Total Interest for This Period Transactions Continued 17 Totals. Year-to-Date Total Fees charged in 2017 Total Interest charged in 2017 $0.50 $8.35 Interest Charge Calculation 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 23.65% P $250.34 $5.03 Cash Advances 25.65% P $0.00 $0.00 P,L,D.F = Variable Rate. See reverse of page 1 for details. 300086 7 Get the app designed to save time. j Effortlessly manage your account on the go with the Capital One mobile app. EFTA00123734 Capita)One Page 1 of 2 Platinum MasterCard Account Ending in Apr. 16. 2017 May 15. 2017 1 30 days in Billing Cycle - .ym -nt Infirm.tien Payment Due Date For online and phone payments, I the deadline is 8pm ET. Jun. 12 2017 New Balance Minimum Payment Due $479.38 $15.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off additional charges using the balance shown this card and each on this statement month you pay... in about... And you will end up paying an estimated total of.. Minimum Payment 6 Years $881 $19 3 Years $674 Estimated savings if balance is paid off in about 3 years: $207 If you would like information about credit counseling services, call O , cc' Summ.ry Previous Balance $499.07 Payments - $499.07 Other Credits $0.00 Transactions + $479.38 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance Credit Limit = $79.38 $750.00 Available Credit (as of May 15, 2017) $270.62 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 300084 II Stay on top of your credit score. Monitor your credit score with CreditWise" built right into the Capital One' mobile app. Account Notifications New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capilatone.com. Customer Service: Please send us this (Ionian of your statement and only one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Jun. 12, 2017 Account Ending in New Balance $479.38 Minimum Payment Due $15.00 BROOKLYN. NY 1123k-4029 lllurl Amount Enclosed See reverse for Important Information 400039 Pay your bill ' on the go. Pay your bill securely and review transactions with the Capital One' mobile app. Text ONE to 80101 to download the app. Messaging & Data rates may apply. Capital One Bank (USA). N.A. Charlotte. NC 28272-1083 EFTA00123735 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123736 Capita1O1 Page 2 of 2 Platinum MasterCard Account Ending In Apr. 16, 2017 - May 15, 2017 I 30 days in Billing Cycle Transactions taloile.t.om to see detailed transactions. Payments, Credits and Adjustments Date Description Amount $499.07 May 5 Cap 1 ElecPhonePmt VRLIAuthDate 05-MAY - Transactions Date Description Amount Apr 25 SUNOCO 0015416101 QPSWESTMORELANDNY $39.11 Apr 27 407ETR-INTERNETW00DBRIDGEON 39.28 CAD 1.354015857 Exchange Rate $29.01 Apr 30 AmazonPrime Membershipamzn.comtprmeWA $107.79 May 3 EXXONMOBIL 97360002VICTORNY $33.05 May 9 MACYS COLONIE CENTERALBANYNY $270.42 IM Total Total Transactions for This Period $479.38 $479.38 Date Description Amount $0.00 Total Fees for This Period Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 017 Totals Year-to Total Fees charged in 2017 Total Interest charged in 2017 $0.50 $8.35 Interest Charge Calculation 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 23.65% P $0.00 $0.00 Cash Advances 25.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. 300083 Log in to EFTA00123737 Capita)One Page 1 of 2 Platinum MasterCard Account Ending in May 16. 2017 - Jun. 15. 2017 l 31 days in Billing Cycle Payment Information Payment Due Date Jul. 12. 2017 For online and phone payments, the deadline is 8pm ET. New Balance $165.79 Minimum Payment Due $15.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated month you pay... a/about... total of.. Minimum Payment 16 Month(s) $194 If you would like information about credit counseling services, call Account Summary Previous Balance $479.38 Payments - $1,297.30 Other Credits $0.00 Transactions + $983.71 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance Credit Limit = $18539 $750.00 Available Credit (as of Jun. 15, 2017) $584.21 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 300066 Get the app designed to save time. Effortessly manage your account on the go with the Capital One mobile app. Text ONE to 80101 to download the app. Messaging & Data rates may appall Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capadlone.com. Customer Service: capn ei Please send us this ponim of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days lor delivery. Payment Due Date: Jul. 12, 2017 Account Ending in New Balance $165.79 IMM BROOKLYN. NY 1123N-4029 Minimum Payment Due $15.00 Amount Enclosed See reverse for Important Information 400035 Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. Log in to your accBIBITMITINIMIhe switch to paperless ital One Bank (USA). N.A. Charlotte. NC 28272-1083 EFTA00123738 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123739 Capital/Kw Page 2 of 2 Platinum MasterCard Account Ending in t i d i 15 2017 - Jun. 15, 2017 131 days in Billing Cycle Transactions Visit ,....coni to see detailed transactions. Payments, Credits and Adjustments Date Description Amount May 18 CAPITAL ONE ONLINE PYMTAuthDate 17-MAY - $300.00 Jun 2 Cap 1 ElecPhonePmt VRUAuthDate 02-JUN - $479.38 Jun 9 Cap 1 ElectronicPhonePmtAuthDate 09-JUN - $200.00 Jun 13 CAPITAL ONE ONLINE PYMTAuthDate 13-JUN - $317.92 M Transactions Date Description Amount May 19 EXXONMOBIL 97376024FRANKFORTNY $30.78 May 24 COMFORT INNS GLEMONTGLENMONTNY ARRIVE: 05/22/17 DEPART: 05/24/17 FOLIOS.: PHI.: $149.98 May 26 AMAZON MKTPLACE PMTSAMZN.COM/BILLWA $86.66 Jun 1 IMONMOBIL 97376024FRANKFORTNY $33.53 Jun 2 ESSOSCARBOROUGHON 60.00 CAD 1.346196993 Exchange Rate $44.57 Jun 4 SPEEDWAY 07670LIVERPOOLNY $36.87 Jun 5 CMSVEND*PRESTIGE SERVIHALFMOONNY $1.25 Jun 6 CARON SHOES BOUTIQUE 109083525074 NJ $99.89 Jun 8 SUNOCO 0042304602 QPSCLARENCENY $34.43 Jun 8 COMFORT INNS GLEMONTGLENMONTNY ARRIVE: 06/04/17 DEPART: 06/08/17 FOLIO*: PIM: $299.96 Jun 12 PENINSULA (QUEENSTON-LNIAGARA FALLSON 221.00 CAD 1.343138447 Exchange Rate $164.54 Jun 12 CMSVEND•PRESTIGE SERVIHALFMOONNY $1.25 Total Total Transactions for This Period $983.71 $983.71 IF Dab Description Amount Total Fees for This Period $0.00 Transactions Continued Interest Charged $0.00 Interest Charge on Purchases Interest Charge on Cash Advances Interest Charge on Other Balances $0.00 $0.00 Total Interest for This Period $0.00 Total Fees charged in 2017 Total Interest charged in 2017 $0.50 $8.35 Interest Charge Calculation 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 23.65% P $0.00 Cash Advances $0.00 25.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. II Protect your credit score. 300085 Detect fraud with automatic alerts if your credit report changes with CreditWlse—built right into the Capital One mobile apµ EFTA00123740 capitajOne Page 1 of 2 Platinum MasterCard Account Ending in Jun. 16. 2017 - Jul. 15, 2017 I 30 days in Billing Cycle Payment Information Payment Due Date Aug. 12, 2017 For online and phone payments, the deadline is 8pm ET. New Balance $446.82 Minimum Payment Due $19.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated month you pay... in about... total of.. Minimum Payment 5 Years $773 If you would like intonation about credit counseling services, call w •cceunt Summ.ry Previous Balance $165.79 Payments - $460.00 Other Credits $0.00 Transactions + $728.04 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $12.99 New Balance = $446.82 Credit Limit $750.00 Available Credit (as of Jul. 15, 2017) $303.18 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 Your annual fee of $29 will be charged on your 08/2017 statement. Account Notifications New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Renewal Notice - Your 08/2017 bill will include your $29.00 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 information about your rate(s) and how your interest charge is calculated. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: Please send us this portion of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Aug. 12, 2017 Account Ending in New Balance $446.82 Minimum Payment Due $19.00 BROOKLYN. NY 1123'4-'4029 Illurl Amount Enclosed See reverse for Important Information 400039 Pay your bill on the go. Pay your bill securely and review transactions with the Capital One mobile app. Text ONE to 80101 to download the app. Capital One Bank (USA). N.A. Charlotte, NC 28272-1063 EFTA00123741 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123742 Page 2 of 2 Platinum MasterCard Account Ending in Jun. 16. 2017 - Jul. 15, 2017 I 30 days in Billing Cycle Transactions taluite.com to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Jun 18 Cap 1 ElectronicPhonePmtAuthDate 17-JUN - $160.00 Jul 13 Cap 1 ElecPhonePmt VRUAuthDate 13-JUL - $300.00 Transactions Date Description Amount Jun 15 SUNOCO 0723331501 QPSRUBYNY $34.74 Jun 15 COMFORT INNS GLEMONTGLENMONTNY $224.97 ARRIVE: 06/12/17 DEPART: 06/15117 FOLIOS/. PIM: Jun 17 WESTJET $117.89 PSGR: ORIG: YYZ, DEST: LGA CARRIER: WS SVC: I Jun 17 WESTJET $257.15 PSGR: ORIG: LGA, DEST: YY7 S/0: 0 CARRIER: WS SVC: L Jun 18 CheapTix* $10.98 Jun 22 SUNOCO 0668591101 QPSMODENANY $29.22 Jun29 CMSVEND'PRESTIGE SERVINALFMOONNY $1.50 Jun29 SUNOCO 0395691900 QPSALBANYNY $25.81 Jul 7 EXXONMOBIL 97375604LITTLE $25.78 FALLSNY I= Total $728.04 Total Transactions for This Period $728.04 Fees Date Description Amount Total Fees for This Period $0.00 Interest Charged Interest Charge on Purchases $12.99 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $12.99 Transactions Continued S1 daYe±sr-to-Date $0.50 Total Fees charged in 2017 Total Interest charged In 2017 $21.34 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge RatetAPFO to Interest Rate Purchases 23.90% P $661.10 $12.99 Cash Advances 25.90% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300086 , Get the app designed to save time. Effortlessly manage your account on the go with the Capital One mobile app. EFTA00123743 capitajOne Page 1 of 2 Platinum MasterCard Account Ending in Jul. 16. 2017 Aug. 15. 2017 I 31 days in Billing Cycle Payment Information Payment Due Date Sep. 12, 2017 New Balance $790.59 For online and phone payments. the deadline is 8pm ET. Minimum Payment Due $24.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off additional charges using the balance shown this card and each on this statement month you pay... in about... And you will end up paying an estimated total of.. Minimum Payment 10 Years $31 3 Years $1.874 $1,115 Estimated savings if balance is paid off in about 3 years: $759 If you would like information about credit counseling services, call •cceunt Summ.ry Previous Balance $446.82 Payments - $125.00 Other Credits - $10.89 Transactions + $436.42 Cash Advances + $0.00 Fees Charged + $29.00 Interest Charged + $14.24 New Balance = $790.59 Credit Limit $750.00 Available Credit (as of Aug. 15, 2017) $0.00 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $0.00 Manage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One mobile app. 300077 Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. 0 Your account has gone over its credit limit. In addition to your required minimum payment, please pay enough to bring your account balance below your credit limit to avoid the possibility of being declined. Pay or manage your account on our mobile app or at .aw.v.capitalone.com. Customer Service: capn h, Please send us this potion of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Sep. 12, 2017 Account Ending in New Balance $790.59 Minimum Payment Due $24.00 BROOKLYN. NY 11234-4029 Mod Amount Enclosed See reverse for Important Information 400038 Get the app designed 7 to save time. Effortlessly manage your account on the go with the Capital One° mobile app. Text ONE to 801 pp. PAessaging& Ca i ta 1 One Bank (USA). N.A. Carol Stream. IL 60197-64,2 II EFTA00123744 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123745 Capitalaw Page 2 of 2 Platinum MasterCard Account Ending in - Jul. 16. 2017 Aug. 15, 2017 I 31 days in Billing Cycle Transactions Visit Lulu to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Jul 17 PETLAND DISCNTS Ii66BROOKLYNNY - $10.89 Aug 9 Cap 1 ElecPhonePmt VRUAuthDate 08-AUG - $125.00 ME: Transactions Date Description Amount Jul 16 EXXONMOBIL 97360267PORT BYRONNY $26.54 Jul 17 PETLAND DISCNTS //66BROOKLYNNY $241.64 Aug 10 WINNERS 423TORONTOON 100.00 CAD 1.267427123 Exchange Rate $78.90 Aug 11 AMAZON MKTPLACE $23.78 PMTSAMZN.COMMILLWA Aug 13 IECCONMOBIL 97360424WEST $33.04 HENRIETTNY Aug 13 SUNOCO 0668591101 QPSMODENANY $32.52 Total $436.42 Total Transactions for This Period $436.42 Date Description Amount Aug 15 CAPITAL ONE MEMBER FEE $29.00 Total Fees for This Period $29.00 Interest Charge on Purchases $14.24 Interest Charge on Cash Advances Interest Charge on Other Balances $0.00 $0.00 Total Interest for This Period $14.24 r 2017 Totals Yea r-to-MEMI Total Fees charged in 2017 $29.50 Total Interest charged in 2017 $35.58 Interest Charge Calculation 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 23.90% P $701.61 $14.24 Cash Advances 25.90% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300:18-1 Stay on top of your credit score. Monitor your credit score with CreditWiSe. built right into the Capital One mobile app. ,Irrin141:1FriTiTL 'Ply EFTA00123746 Capita Page 1 of 4 Platinum MasterCard Account Ending in MI Aug. 16. 2017 Sep. 15. 2017 31 cays in Billing Cycle Payment Information Payment Due Date Oct. 12 2017 For online and phone payments. the deadline is 8pm ET. New Balance $567.12 Minimum Payment Due $22.00 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 819.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated month you pay... in about... total of.. Minimum Payment 7 Years 51,163 If you would like information about credit counseling services, call , e Summ.ry Previous Balance $790.59 Payments - $530.00 Other Credits $0.00 Transactions + $292.62 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $13.91 New Balance = $587.12 Credit Limit $750.00 Available Credit (as of Sep. 15, 2017) $182.88 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 300086 7 Get the app designed to save time. Effortlessly manage your account on the go with the Capital One mobile app. Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.cap.talone.com. Customer Service: Please send us this portion of your statement and only one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days lor delivery. Payment Due Date: Oct 12, 2017 Account Ending in New Balance $567.12 Minimum Payment Due $22.00 BROOKLYN, NY 11234-4029 Illurl Amount Enclosed See reverse for Important Information 400039 Pay your bill on the go. Pay your bill securely and review transactions with the Capital One' mobile app. Text ONE to 80101 to download the app. Nimaging&Dataratesmayapply. Capital One Bank (USA). N.A. Carol Stream, IL 60197-6492 EFTA00123747 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123748 Capita pi Page 2 of 4 Platinum MasterCard Account Ending in IM Aug. 16. 2017 . Sep. 15. 2017 I 31 days in Billing Cycle Transactions Visit ,.cons to see detailed transactions. Date Payments, Credits and Adjustments Description Amount Aug 23 Cap 1 ElecPhonePmt VRUAuthDate 23-AUG - $100.00 Aug 29 CAPITAL ONE ONLINE PYMTAuthDate - $280.00 29-AUG Sep 11 Cap 1 ElecPhonePmt VRUAuthDate 11-SEP - $150.00 Date M Transactions Description Amount Aug30 AMAZON MKTPLACE $9.37 PMTSAMZN.COM/BILLWA Aug30 AMAZON MKTPLACE $23.78 PMTSAMZN.COM/BILLWA Aug 31 POPEYES CHICKEN 11BROOKLYNNY $21.78 Aug 31 WALGREENS #2650BROOKLYNNY $20.97 Aug 31 $211.62 PSGR: MISS ORIG: LGA, DEST: YYZ CARRIER: WS SVC: I ORIG: YYZ, DEST: LGA 510:0 CARRIER: WS SVC: I Sep 1 BURGER KING #4723 Q07BROOKLYNNY $5.10 l i Trasl 1909 A9 Total Transactions for This Period 5292.62 Fees a Date Description Total Fees for This Period Amount $0.00 Interest Charge on Purchases $13.91 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $13.91 r 2017 Totals Year-to-O Total Fees charged in 2017 $29.50 Total Interest charged in 2017 $49.49 Interest Charge Calculation 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 23.90% P $685.37 $13.91 Cash Advances 25.90% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300085 Ill Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CredidnAse—buit right into the Capital One mobile app. EFTA00123749 FACTS Capital - ' WHAT DOES CAPITAL ONE' DO WITH YOUR PERSONAL INFORMATION? Rev. 07/2017 BR402832 RV600273 M-122663 201245 Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number and income • Account balances and payment history • Account transactions and credit card or other debt All financial companies need to share customers' personal information to run their everyday HOW? business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Capital One chooses to share; and whether you can limit this sharing. Reasons we can share your personal information For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Does Capital One share? YES Can you Nmit this sharing? NO For our marketing purposes — to offer our products and services to you YES NO For joint marketing with other financial companies YES NO For our affiliates' everyday business purposes — information about your transactions and experiences YES NO For our affiliates' everyday business purposes — information about your creditworthiness YES YES For our affiliates to market to you YES YES For nonaffiliates to market to you YES YES To limit our sharing Call us toll free at privacy choices. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. If you're an existing customer and have opted out previously, you don't need to update your privacy choices again. When you are no longer our customer, we continue to share your information as described in this notice. and one of our representatives will update your However, you can contact us at any time to limit our sharing. Questions? Go to capitalone.com/privacy or capitalone.com/contactus. Please Recycle EFTA00123750 Page 2 Who we are Who is providing this notice? Our affiliates include financial companies with the Capital One, Chevy Chase, Onyx, Paribus, and Greenpoint names, such as Capital One Bank (USA), National Association; and Capital One, National Association. What we do How does Capital One protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does Capital One collect my personal information? We collect your personal information, for example, when you: • Open an account or deposit money • Pay your bills or apply for a loan • Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can't I limit all sharing? Federal law gives you the right to limit only: • Sharing for affiliates' everyday business purposes - information about your creditworthiness • Affiliates from using your information to market to you • Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include financial companies with the Capital One, Chevy Chase, Onyx, Paribus, and Greenpoint names, such as Capital One Bank (USA), National Association; and Capital One, National Association. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonaffiliates we share with can include insurance companies, service providers, co-branded partners, retailers, data processors, and advertisers. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include companies such as other banks and insurance companies. Other important information CA and VT Residents: We will not share everyday business purposes, for marketing VT Residents only: We will not disclose companies except as required or permitted • otice provided pursuant d like more Capital One. , Salt Lake City, contact Bureau o Consumer Protecti Las Vegas, NV 89101; Phone number: Telephone Communications: All telephone or recorded. your information with companies outside of Capital One, except for our our products and services to you, or with your consent. credit information about you within or outside the Capital One family of by law. to state law. To be placed on our internal Do Not Call List, call information about tel nay contact us at UT 84130-0285 or aw, ' Nevad ; e-mail: communications with us or our authorized agents may be monitored 0 2017 Capital One. Capital One is a federally registered service mark. EFTA00123751 Page 1 of 2 Platinum MasterCard Account Ending in MI capitajOne Payment Information Payment Due Date Nov. 12, 2017 For online and phone payments. the deadline is 8pm ET. New Balance $597.42 Minimum Payment Due $60.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about... And you will end up paying an estima total of.. Minimum Payment 8 Years $1,220 If you would like information about credit counseling services, call Sep. 16. 2017 Oct. 15. 2017 30 cays in Billing Cycle Account Summary Previous Balance $567.12 Payments $0.00 Other Credits $0.00 Transactions + $0.00 Cash Advances + $0.00 Fees Charged + $19.00 Interest Charged + $11.30 New Balance = $597.42 Credit Limit $750.00 Available Credit (as of Oct. 15, 2017) $152.58 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 O Get your account back on track. Visit capitalone.com to make a payment today. 300080 Account Notifications ith For questions about this account, please give us a call at 1-800-955-6600. We'll be glad to help you Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. C) New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Additional notifications on page 2 Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: Please send us this pollen of your statement and only one check for one money ode) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Nov. 12, 2017 Account Ending in i= New Balance $597.42 Minimum Payment Due $60.00 BROOKLYN. NY 11234-4029 Mud Amount Enclosed See reverse for Important Information 400031 3 Manage your account on your time. You can access account information on our secure website anytime, 24/7. Manage your account at capitalone.com Ca ital One Bank (USA). N.A. Carol Stream. IL 60197-6492 EFTA00123752 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123753 )4,1 Capita (}j Page 2 of 2 Platinum MasterCard Account Ending in Sep. 16. 2017 - Oct. 15. 2017 130 days in Billing Cycle Transactions Visit ".nom to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Amount Transactions Date Description Date Description Amount Oct 12 PAST DUE FEE $19.00 Total Fees for This Period $19.00 Interest Charge on Purchases $11.30 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $11.30 ot Total Fees charged in 2017 Total Interest charged in 2017 i_ $48.50 $60.79 Interest Charge Calculation 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 23.90% P $575.07 $11.30 Cash Advances 25.90% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Additional Account Notifications w You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future. we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Manage your account 7 Py . anywhere, anytime. b" CiTletiernoasb:dapprno.re i with the Calla:It 300077 Text ONE to EFTA00123754 Capital(Al Page 1 of 2 Platinum MasterCard Account Ending in MI Oct. 16, 2017 - Nov. 15, 2017 I 31 days in Billing Cycle Payment Information Payment Due Date For online and phone payments. Dec. 12, 2U1/ ........... opm Li. New Balance Minimum Payment Due $604.86 $20.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off additional charges using the balance shown this card and each on this statement month you pay... in about... And you will end up paying an estimated total of.. Minimum Payment 8 Years $1,289 • $24 3 Years $853 Estimated savings if balance is paid off in about 3 years: $436 If you would like information about credit counseling services, call •cceunt Summ.ry Previous Balance $597.42 Payments - $400.00 Other Credits - $0.10 Transactions + $395.85 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $11.69 New Balance = $604.86 Credit Limit $750.00 Available Credit (as of Nov. 15, 2017) $145.14 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 300085 II Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CredihMse—built right into the Capital Ong mobile app. Text ONE to 80101 to download the app. Messaging I. Data rates m Account Notifications (D New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and on one check (or one money Wm) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Dec. 12, 2017 Account Ending in New Balance $604.86 Minimum Payment Due $20.00 BROOKLYN. NY 11.23N-4029 Iliad Amount Enclosed 400039 Pay your bill on the go. Pay your bill securely and review transactions with the Capital One mobile app. Text ONE to 80101 to download the app. Messaging & Data rates may apply. capital One Bank (USA), N.A. Carol Stream. IL 60197-6492 11 EFTA00123755 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123756 Capital ()j' Page 2 of 2 Platinum MasterCard Account Ending in MI Oct. 16. 2017 - Nov. 15, 2017 131 days in Billing Cycle Transactions Visit www.capitaione.com to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Oct 15 CAPITAL ONE ONLINE PYMTAuthDate 15-Oct - $150.00 Oct 15 INTEREST CHARGE ADJUSTMENT -$0.10 Nov 1 CAPITAL ONE ONLINE PYMTAuthDate 30-Oct - $150.00 Nov 13 CAPITAL ONE ONLINE PYMTAuthDate 12-Nov - $100.00 Transactions Date Description Mount Oct 18 RITE AID STORE - 4935BROOKLYNNY $4.93 Oct 18 MCDONALD'S F4731BROOKLYNNY $21.44 Oct 30 CheapTix• $7.49 Oct 30 AMERICAN PSGR: $114.18 ORIG: LGA, DEST: YYZ WO: 0 CARRIER: AA SVC: S Oct 30 WESTJET PSGR: ORIG: YYZ, DEST: LGA CARRIER: WS SVC: I $110.96 Nov 2 MALSON'S JEWELRY KINGSBROOKLYNNY $70.00 Nov 6 AMAZON MKTPLACE PMTSAMZN.COM/BILLWA $66.85 Total Total Transactions for This Period $395.85 $395.85 Date Description Amount $0.00 Total Fees for This Period Interest Charged Interest Charge on Purchases $11.69 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $11.69 Transactions Continued $48.50 17 Totals Year-to-Date Total Fees charged in 2017 Total Interest charged In 2017 $72.38 Interest Charge Calculation 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 23.90% P $575.65 $11.69 Cash Advances 25.90% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300086 7 7 Get the app designed to save time. Effortlessly manage your account on the go with the Capital One mobile app. EFTA00123757 Capita ' Page 1 of 2 Platinum MasterCard Account Ending in MI Nov. 16. 2017 Dec. 15. 2017 30 cays in Billing Cycle - .ym •nt Infirm.tirn Payment Due Date For online and phone payments. the deadline is 8pm ET. Jan. 12, 2018 New Balance Minimum Payment Due $734.14 $22.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off additional charges using the balance shown this card and each on this statement month you pay... in about... And you will end up paying an estimated total of.. Minimum Payment 10 Years $1.697 $29 3 Years $1,036 Estimated savings if balance is paid off in about 3 years: $661 If you would like information about credit counseling services, call O •cceunt Summ.ry Previous Balance $604.86 Payments $200.00 Other Credits $0.00 Transactions + $317.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $12.28 New Balance = $734.14 Credit Limit $750.00 Available Credit (as of Dec. 15, 2017) $15.86 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $15.86 ci Manage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One mobile app. 300077 Account Notifications New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at vdvdw.capitalone.com. Customer Service: Please send us this amine of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Jan. 12, 2018 Account Ending in NM New Balance $734.14 Minimum Payment Due $22.00 BROOKLYN. NY 11234-4029 Illurl Amount Enclosed See reverse for Important Information 7 400038 Get the app designed to save time. Effortlessly manage your account on the go with the Capital One mobile app. Text ONE to 80101 to download the app. Messaging & Data rates may apply. Capital One Bank (USA). N.A. Carol Stream. IL 60197-6492 rrllllrrrquglullhllPhlrplltlllllllluhhNdlNuullrll 15 EFTA00123758 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123759 Capitalaw Page 2 of 2 Platinum MasterCard Account Ending in IM Nov. 16, 2017 - Dec. 15, 2017 I 30 days in Billing Cycle Transactions Visit Loin to see detailed transactions. : Payments, Credits and Adjustments Date Description Amount - $200.00 Nov 29 CAPITAL ONE ONLINE PYMTAuthDate 28-Nov M Transactions Date Description Amount Nov 23 SEPHORA.COM877-SEPHORACA $36.58 Nov 24 CARON SHOES BOUTIQUE 109083525074 NJ $72.68 Dec 5 DAYS INN & SUITESALBANYNY ARRIVE: 12/04/17 DEPART: 12)05117 FOLIOS,: Pile: $50.87 Dec 10 KEY FOODS 41460BROOKLYNNY $104.37 Dec 12 TOLLS BY MAIL800-333-8655NY $52.50 M Total Total Transactions for This Period $317.00 $317.00 Date Description Amount $0.00 Total Fees for This Period Interest Charged Interest Charge on Purchases $12.28 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $12.28 PP 2017 Totals Year-to•D Total Fees charged in 2017 Total Interest charged In 2017 $48.50 $84.66 Interest Charge Calculation Yaur Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Purchases Annual Percentage Balance Subject Interest Charge Rattan° to Interest Rate 23.90% P $625.25 $12.28 Cash Advances 25.90% P $0.00 $0.00 300084 ei Stay on top of your credit score. 'vtonitoc your credit score with CreditWise' wilt right into the Capital One mobile app. Text ONE to 80101to download the app. Messaging & Data ;cites may apply. P,L,D,F = Variable Rate. See reverse of page 1 for details. EFTA00123760 capitajOne Page 1 of 2 Platinum MasterCard Account Ending in MI Dec. 16, 2017 Jan. 15. 2018 31 cays in Billing Cycle Payment Information Payment Due Date Feb. 12. 2018 For online and phone payments. the deadline is 8pm ET. New Balance $569.19 Minimum Payment Due $22.00 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 819.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month you pay... Minimum Payment 7 Years $1.179 You will pay off the balance shown on this statement in about... And you will end up paying an estimat total of.. If you would like intonation about credit counseling services, call O Account Summary Previous Balance $734.14 Payments - $300.00 Other Credits $0.00 Transactions + $120.81 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $14.24 New Balance = $569.19 Credit Limit $750.00 Available Credit (as of Jan. 15, 2018) $180.81 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 300086 Get the app designed to save time. Effortlessly manage your account on the go with the Capital One mobile app. Text ONE to 601011:0 Account Notifications New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and ony one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Feb. 12, 2018 Account Ending in New Balance $569.19 ==. BROOKLYN. NY 11234-4029 Illml Minimum Payment Due $22.00 Amount Enclosed 400039 Pay your bill on the go. Pay your bill securely and review transactions with the Capital One mobile app. lin Text ONE to 80101 to download the app. Messaging & Data rates may apply. Ca ital One Bank (USA). N.A. Carol Stream. IL 60197-6492 1 15 EFTA00123761 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123762 Capitala V Page 2 of 2 Platinum MasterCard Account Ending in MI Dec. 16. 2017 Jan. 15. 2018 31 days in Billing Cycle Transactions visit www.capnaloue.com to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Dec 26 CAPITAL ONE ONLINE PYMTAuthDate - 5150.00 26-Dec Jan 12 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 12-Jan Transactions Date Description Amount Dec 28 AMAZON MKTPLACE PMTS $41.80 WWWW.AMAZON.COWA Dec 28 AMAZON MKTPLACE $41.99 PMTSAMZN.COM/BILLWA Dec 28 CARON SHOES BOUTIQUE $37.02 I09083525074NJ = Total $120.81 Total Transactions for This Period $120.81 Fees Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $14.24 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $14.24 1 7 -, # ate Total Fees charged in 2017 $0.00 Total Interest charged in 2017 $14.24 Interest Charge Calculation 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 24.15% P $694.29 $14.24 Cash Advances 26.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300084 Stay on top of your credit score. Vonitof your credit score with CreditWise' Guilt right into the Capital One' mobile app. Text ONE to 80101to download the app. Messaging & Data rates may apply. EFTA00123763 Capitayke Page 1 of 2 Platinum MasterCard Account Ending in MI Jan. 16, 2018 - Feb. 15. 2018 I 31 days in Billing Cycle Payment Information Payment Due Date Mar. 12, 2018 For online and phone payments, the deadline is 8pm ET. New Balance $689.50 Minimum Payment Due $15.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about... And you will end up paying an estimated total of.. Minimum Payment $27 9 Years 3 Years $1,583 $976 Estimated savings if balance is paid off in about 3 years: $607 If you would like information about credit counseling services, call Account Summary Previous Balance $569.19 Payments - $767.21 Other Credits $0.00 Transactions + $882.32 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $5.20 New Balance Credit Limit = $689.50 $750.00 Available Credit (as of Feb. 15, 2018) $60.50 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $60.50 Make a statement : Go paperless. Stop waiting for your bill to arrive M the mail and go paperless today 300083 Log in to your account to make the switch to paperless. 1 Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Mar. 12, 2018 Account Ending in NM New Balance $689.50 Minimum Payment Due $15.00 BROOKLYN. NY 11234-4029 Illurl Amount Enclosed 400038 Get the app designed to save time. Effortlessly manage your account on the go with the Capital Ones mobile app. Text ONE to 80101 to download the app. Messaging & Data rates may apply. Capital One Bank (USA), N.A. Carol Stream, IL 60197-6492 1 15 EFTA00123764 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123765 V Capitalfl Page 2 of 2 Platinum MasterCard Account Ending in Mi Jan. 16. 2018 Feb. 15. 2018 31 days in Billing Cycle Transactions Visit www.capitalone.com to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Jan 29 CAPITAL ONE ONLINE PYMTAuthDate 29-Jan - $400.00 Jan 31 CAPITAL ONE ONLINE PYMTAuthDate 31-Jan - $267.21 Feb 7 CAPITAL ONE ONLINE PYMTAuthDate 07-Feb - $100.00 Transactions Date Description Amount Jan 17 ALBANY PARKING AUTHORIALBANYNY $0.25 Jan 17 ALBANY PARKING AUTHORIALBANYNY $2.50 Jan 18 ALBANY PARKING AUTHORIALBANYNY $0.25 Jan 18 ALBANY PARKING AUTHORIALBANYNY $0.25 Jan 18 ALBANY PARKING AUTHORIALBANYNY $2.50 Jan 2O PETROCANSCARBOROUGHON 68.74 CAD 1.242813234 Exchange Rate $55.31 Jan 21 EXXONMOBIL 9736O267PORT BYRONNY $32.71 Jan 22 ALBANY PARKING AUTHORIALBANYNY $4.25 Feb 2 UNIVERSITY CLUB ALBALBANYNY $667.98 Feb 6 AMAZON MKTPLACE PMTSAMZN.COWBILLWA $42.23 Feb 6 WM SUPERCENTER 13583GLENMONTNY $35.76 Feb 11 SUNOCO 0042306102 QPSCLIFTON SPRINNY $38.33 = Total Total Transactions for This Period $882.32 $882.32 Date Description Amount $0.00 $5.20 Total Fees for This Period t i rest Charged Interest Charge on Purchases Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $5.20 Transactions Continued I 2018 Totals Year-to-Date Total Fees charged in 2018 Total Interest charged in 2018 $0.00 $19.44 Interest Charge Calculation 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 24.15% P $253.54 $5.20 Cash Advances 26.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300085 II Protect your credit score. Detect fraud with automatic alerts if your credit report charges with CreditWise—built right into the Capital One mobile app. EFTA00123766 capitajOne Page 1 of 2 Platinum MasterCard Account Ending in MI Feb. 16, 2018. Mar. 15. 2018 I 28 days in Billing Cycle Payment Information Payment Due Date Apr. 12, 2018 For online and phone payments, the deadline is 8pm ET. New Balance $557.91 Minimum Payment Due $15.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated month you pay... in about... $1.155 Minimum Payment 7 Years $22 3 Years $790 Estimated savings if balance is paid off in about 3 years: $365 If you would like information about credit counseling services, call w Account Summary Previous Balance $689.50 Payments - $839.50 Other Credits $0.00 Transactions + $707.91 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance Credit Limit = $557.91 $750.00 Available Credit (as of Mar. 15, 2018) $192.09 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 111 Stay on top of your credit score. Monitor your credit score with CreditWise built right into the Capital One mobile app. Text ONE to 80101to download the app. Messaging & Data rates may apply. Account Notifications New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates. fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. capit ; Customer Service: Please send us this portion of your statement and ony one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Apr. 12, 2018 Account Ending in NM New Balance $557.91 Minimum Payment Due Amount Enclosed $15.00 BROOKLYN. NY 11234-4029 Illurl See reverse for Important Information 400039 Pay your bill on the go. Pay your bill securely and review transactions with the Capital One mobile app. Text ONE to 80101 Messaging & nload the app. Ca i ta I One Bank (USA), N.A. Carol Stream. IL 60197-64,2 1 15 EFTA00123767 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123768 Capitala Page 2 of 2 Platinum MasterCard Account Ending in I= Feb. 16, 2018 - Mar. 15, 2018 128 days in Billing Cycle Transactions Visit r.(.1)111 to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Feb 27 CAPITAL ONE ONLINE PYMTAuthDate - $689.50 27-Feb Mar 13 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 13-Mar M Transactions Date Description Amount Feb 27 WAL-MART 113583GLENMONTNY $52.37 Mar 2 UNIVERSITY CLUB ALBALBANYNY $655.54 M Total $707.91 Total Transactions for This Period $707.91 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 2018 Totals Year-to-D Total Fees charged in 2018 $0.00 Total Interest charged in 2018 $19.44 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type 01 Balance Annual Percentage Balance Subject Interest Charge Rate(APR) to Interest Rate Purchases 24.15% P $0.00 $0.00 Cash Advances 26.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300086 Get the app designed to save time. Effortlessly manage your account on the go with the Capital One' mobile app. EFTA00123769 ^$, capitapne Page 1 of 2 Platinum MasterCard Account Ending in MI Mar. 16, 2018 - Apr. 15. 2018 I 31 days in Billing Cycle Payment Information Payment Due Date May 12, 2018 For online and phone payments, the deadline is 8pm ET. New Balance $655.54 Minimum Payment Due $15.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated month you pay... in about... total of... Minimum Payment 9 Years 526 3 Years $1.490 $931 Estimated savings if balance is paid off in about 3 years: $559 If you would like information about credit counseling services, call 0 , . Summ-ry Previous Balance $557.91 Payments - $557.91 Other Credits $0.00 Transactions + $655.54 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance Credit Limit = $655.54 $750.00 Available Credit (as of Apr. 15, 2018) $94.46 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $94.46 Manage your account 7 anywhere, anytime. Pay your bill, set up alerts and more with the Capital One mobile app. 300377 Account Notifications New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates. fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: Please send us this portion of your statement and onty one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: May 12, 2018 Account Ending in NM New Balance $655.54 Minimum Payment Due $15.00 BROOKLYN. NY 11234-4029 Illurl Amount Enclosed See reverse for Important Information 400035 Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and yo papedess today. Lo a Capital One Bank (USA). N.A. Carol Stream. IL 60197-6492 1 15 EFTA00123770 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123771 Capita 01 w Page 2 of 2 Platinum MasterCard Account Ending in IM Mar. 16, 2018 - Apr. 15, 2018 I 31 days in Billing Cycle Transactions Visit ,i.t.t/III to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Mar 31 CAPITAL ONE ONLINE PYMTAuthDate - $557.91 31-Mar M Transactions Date Description Amount Apr 3 UNIVERSITY CLUB ALBALBANYNY $655.54 I M Total $655.54 Total Transactions for This Period $655.54 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 018 Totals Year-to Total Fees charged in 2018 $0.00 Total Interest charged in 2018 $19.44 Interest Charge Calculation 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 24.40% P $0.00 $0.00 Cash Advances 26.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300085 Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CreditWtst-tuit right into the Capital Ong mobile app. EFTA00123772 Capita - Page 1 of 3 Platinum MasterCard Account Ending in IM Apr. 16, 2018 . May 15. 2018 I 30 days in Billing Cycle Payment Information Payment Due Date Jun. 12, 2018 For online and phone payments. the deadline is 8pm ET. New Balance $533.65 Minimum Payment Due $20.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each You will pay off the balance shown on this statement in about... A And you will end up paying an estimated total of.. $1.079 Minimum Payment $21 7 Years 3 Years I $758 Estimated savings if balance is paid off in about 3 years: $321 If you would like information about credit counseling services, call Account Summary Previous Balance $655.54 Payments - $805.54 Other Credits $0.00 Transactions + $655.54 Cash Advances + $0.00 Fees Charged + $15.00 Interest Charged + $13.11 New Balance = $533.65 Credit Limit $750.00 Available Credit (as of May 15, 2018) $216.35 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 Make a statement Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. 300003 L Account Notifications New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates. fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. This statement includes a notice of important changes to your account terms. Additional notifications on page 1 Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: Please send us this portion of your statement and only one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Jun. 12, 2018 Account Ending in I= New Balance $533.65 Minimum Payment Due $20.00 BROOKLYN. NY 1123'-'029 Illurl Amount Enclosed See reverse for Important Information anti Get the app designed to save time. 7 Effortlessly manage your — account on the go with the Capital One* mobile app. Text ONE to 80101 Messaging & Ca i ta I One Bank (LISA), N.A. Carol Stream. IL 60197-6N92 I I 1 15 EFTA00123773 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123774 Capitala le Page 2 of 3 Platinum MasterCard Account Ending in IM Apr. 16. 2018 - May 15. 2018 I 30 days in Billing Cycle Transactions Visit e.t.t1Ill to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Apr 30 CAPITAL ONE ONLINE PYMTAuthDate - $655.54 30-Apr May 14 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 14-May Transactions Date Description Amount Apr 30 Returned Online ACH Payment $655.54 M Total $655.54 Total Transactions for This Period $655.54 Fees Date Description Amount May 12 PAST DUE FEE $15.00 Total Fees for This Period $15.00 Interest Charge on Purchases $13.11 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $13.11 Total Fees charged in 2018 $15.00 Total Interest charged In 2018 $32.55 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Typo M Balance Annual Percentage Balance Subject Interest Charge Rate(APR) to Interest Rate Purchases 24.40% P $653.93 $13.11 Cash Advances 26.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Additional Account Notifications You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future. we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. 3000$6 ,I Get the app designed to save time. Effortlessly manage your account on the go with the Capital One' mobile app. EFTA00123775 201269 capitajoce Regarding your account ending in. Important Notice of a Change in Terms Please review the Important Change to Your Account Terms below and keep this information for your records. All other account terms and conditions are unchanged. Important Changes to Your Account Terms The following change to the Late Payment Fee will take effect on July 22, 2018. You have the right to reject this change until 8 p.m. ET on July 21, 2018 by calling 1-877-282-0513. If you reject this change, your account will be closed. Revised Terms, as of July 22, 2018 Late Payment Fee Up to $38. Late payment fees will be based on the amount of the minimum payment due and whether the account was late during the previous six billing cycles. If you have questions about this change, please call us at between 8 a.m. and 8 p.m. ET. EFTA00123776 Page 1 of 2 Platinum MasterCard Account Ending in Capita One Payment Information Payment Due Date Jul. 12. 2018 For online and phone payments. the deadline is 8pm ET. New Balance $309.35 Minimum Payment Due $15.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: It you make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about... I And you will end up paying an estimated total of.. Minimum Payment 3 Years $433 If you would like intonation about credit counseling services, call May 16, 2018 Jun. 15. 2018 31 lays in Billing Cycle Account Summary Previous Balance $533.65 Payments $234.00 $0.00 Other Credits Transactions + $0.00 + $0.00 Cash Advances Fees Charged + $0.00 Interest Charged + $9.70 New Balance Credit Limit = $309.35 $750.00 Available Credit (as of Jun. 15, 2018) $440.65 Cash Advance Credit Limit Available Credit for Cash Advances $100.00 $100.00 300084 Stay on top of your credit score. Monitor your credit score with CreditWise built right into the Capital One mobile app. Text ONE to 80101to download the app. Messaging & Data rates may apply. Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at ,...ww.capi talone.com. Customer Service: Please send us this portXn of your statement and only one check (or one money owlet) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Jul. 12, 2018 Account Ending in I= New Balance $309.35 Minimum Payment Due $15.00 BROOKLYN, NY 11234-4029 Red Amount Enclosed See reverse for Important Information 400035 Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. Log in to your account to make the switch to pape4e Ca ital One Carol Stream. IL 60197-6492 15 EFTA00123777 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123778 CapitalO Page 2 of 2 Platinum MasterCard Account Ending in IM May 16, 2018 - Jun. 15. 2018 I 31 days in Billing Cycle Transactions tdiuliv.‘uni to see detailed transactions. Payments, Credits and Adjustments Date Description Amount May 18 CAPITAL ONE ONLINE PYMTAuthDate - $50.00 18-May Jun 12 CAPITAL ONE ONLINE PYMTAuthDate - $184.00 12-Jun Transactions Date Description Amount Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $9.70 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $9.70 Total Fees charged In 2018 $15.00 Total Interest charged In 2018 $42.25 Interest Charge Calculation 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 24.40% P $468.05 $9.70 Cash Advances 26.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Manage your account 7 anywhere, anytime. , Pay your bill, set up alerts and more with the Capital One mobile app. 300077 Text ONE to EFTA00123779 Page 1 of 2 Platinum MasterCard Account Ending in Capita One Payment Information Payment Due Date Jul. 12. 2018 For online and phone payments. the deadline is 8pm ET. New Balance $309.35 Minimum Payment Due $15.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: It you make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about... I And you will end up paying an estimated total of.. Minimum Payment 3 Years $433 If you would like intonation about credit counseling services, call May 16, 2018 Jun. 15. 2018 31 lays in Billing Cycle Account Summary Previous Balance $533.65 Payments $234.00 $0.00 Other Credits Transactions + $0.00 + $0.00 Cash Advances Fees Charged + $0.00 Interest Charged + $9.70 New Balance Credit Limit = $309.35 $750.00 Available Credit (as of Jun. 15, 2018) $440.65 Cash Advance Credit Limit Available Credit for Cash Advances $100.00 $100.00 300084 Stay on top of your credit score. Monitor your credit score with CreditWise built right into the Capital One mobile app. Text ONE to 80101to download the app. Messaging & Data rates may apply. Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at ,...ww.capi talone.com. Customer Service: Please send us this portXn of your statement and only one check (or one money owlet) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Jul. 12, 2018 Account Ending in I= New Balance $309.35 Minimum Payment Due $15.00 BROOKLYN, NY 11234-4029 Red Amount Enclosed See reverse for Important Information 400035 Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. Log in to your account to make the switch to pape4e Ca ital One Carol Stream. IL 60197-6492 15 EFTA00123780 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123781 CapitalO Page 2 of 2 Platinum MasterCard Account Ending in IM May 16, 2018 - Jun. 15. 2018 I 31 days in Billing Cycle Transactions tdiuliv.‘uni to see detailed transactions. Payments, Credits and Adjustments Date Description Amount May 18 CAPITAL ONE ONLINE PYMTAuthDate - $50.00 18-May Jun 12 CAPITAL ONE ONLINE PYMTAuthDate - $184.00 12-Jun Transactions Date Description Amount Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $9.70 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $9.70 Total Fees charged In 2018 $15.00 Total Interest charged In 2018 $42.25 Interest Charge Calculation 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 24.40% P $468.05 $9.70 Cash Advances 26.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Manage your account 7 anywhere, anytime. , Pay your bill, set up alerts and more with the Capital One mobile app. 300077 Text ONE to EFTA00123782 capitajOne Page 1 of 2 Platinum MasterCard Account Ending in Jun. 16, 2018 • Jul. 15. 2018 I 30 days in Billing Cycle Payment Information Payment Due Date Aug. 12, 2018 For online and phone payments, the deadline is 8pm ET. New Balance $215.54 Minimum Payment Due $15.00 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 $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated month you pay... in about... total of.. Minimum Payment 22 Month(s) $268 If you would like information about credit counseling services, call w •cceunt Summ.ry Previous Balance $309.35 Payments - $200.00 Other Credits $0.00 Transactions + $98.67 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $7.52 New Balance = $215.54 Credit Limit $750.00 Available Credit (as of Jul. 15, 2018) $534.46 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 Your annual fee of $29 will be charged on your 08/2018 statement. Manage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One mobile app. 300077 L Account Notifications New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Renewal Notice - Your 08/2018 bill will include your $29.00 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 information about your rate(s) and how your interest charge is calculated. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Aug. 12, 2018 Account Ending in NM New Balance $215.54 Minimum Payment Due $15.00 BROOKLYN. NY 11234-41129 Mod Amount Enclosed 400039 Pay your bill on the go. Pay your bill securely and review transactions with the Capital One mobile app. Text ONE to 8O1 nload the app. j a9m93 Ca ital One Carol Stream, IL 60197-6492 1 15 EFTA00123783 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123784 V • Capita1O Page 2 of 2 Platinum MasterCard Account Ending in IM Jun. 16, 2018 - Jul. 15, 2018 I 30 days in Billing Cycle Transactions Visit ._.cum to see detailed transactions. Payments, Credits and Adjustments Date Description Amount $200.00 Jul 11 CAPITAL ONE ONLINE PYMTAuthDate - 11-Jul Transactions Date Description Amount Jun 18 AMAZON MKTPLACE PMTS WWWW.AMAZON.COWA $77.35 Jun 19 AMAZON MKTPLACE PMTS WVNVW.AMAZON.COWA $13.34 Jun 19 GOOGLE •YouTube Videosg.co/helppayliCA $2.99 Jun 19 AMOTE.NET13027224141GBR $1.00 Jun 19 AMAZON DIGITAL SVCS 88888-802-3080WA $3.99 M Total Total Transactions for This Period $98.67 $98.67 Date Description Amount $0.00 Total Fees for This Period Interest Charge on Purchases $7.52 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $7.52 Total Fees charged in 2018 Total Interest charged in 2018 $15.00 $49.77 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. 70 8 nt Balance Annual Percentage Balance Subject Interest Charge Rate(APR) to Interest Rate Purchases 24.65% P $371.23 $7.52 Cash Advances 26.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. 300083 Log in o your account to make the switch to paperlessa EFTA00123785 CapitajOne Page 1 of 2 Platinum MasterCard Account Ending in MI Jul. 16, 2018 Aug. 15. 2018 31 lays in Billing Cycle Payment Information Payment Due Date Sep. 12, 2018 For online and phone payments. the deadline is 8pm ET. New Balance $262.76 Minimum Payment Due $15.00 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 $38.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estima month you pay... in about... total of.. Minimum Payment 2 Years $346 If you would like intonation about credit counseling services, call icceunt Summ.ry Previous Balance $215.54 Payments - $215.54 Other Credits - $13.06 Transactions + $242.84 Cash Advances + $0.00 Fees Charged + $29.00 Interest Charged + $3.98 New Balance Credit Limit = $282.76 $750.00 Available Credit (as of Aug. 15, 2018) $487.24 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 Make a statement Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. 300063 Account Notifications (D New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at wviw.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and on one check (or one money order) to Capital ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Sep. 12, 2018 Account Ending in New Balance $262.76 Minimum Payment Due $15.00 BROOKLYN, NY 11234-4029 Illaol Amount Enclosed 7 400038 Get the app designed to save time. Effortlessly manage your account on the go with the Capital One° mobile app. Text ONE to 80101to download the app. Messaging & Data rates may apply. Ca ital One Carol Stream. IL 60197-6492 1 15 EFTA00123786 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123787 Capita1O1 Page 2 of 2 Platinum MasterCard Account Ending in IM Jul. 16, 2018 - Aug. 15, 2018 I 31 days in Billing Cycle TIM WWW.C.dp11.411.111C.LUIII IN actuistantsu tranainmum. Payments, Credits and Adjustments Date Description Amount - $13.06 Aug11 BURLNGTON STORES827BROOKLYNNY Aug 12 CAPITAL ONE ONLINE PYMTAuthDate - 12-Aug $215.54 Amount Transactions Date Description Jul 15 AMAZON MKTPLACE PMTS WWWW.AMAZON.COWA $45.80 Jul 23 SP * THEPERFECTSCULPT2012995387NJ $21.88 Aug 10 JCPENNY 02278ROOKLYNNY $50.85 Aug11 BURLINGTON STORES 1101BROOKLYNNY $124.31 M Total Total Transactions for This Period $242.84 $242.84 Fees Date Description Amount Aug 15 CAPITAL ONE MEMBER FEE $29.00 Total Fees for This Period $29.00 Interest Charge on Purchases $3.98 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $3.98 IPENtitagrellimm Total Fees charged in 2018 $44.00 Total Interest charged in 2018 $53.75 Interest Charge Calculation 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 24.65% P $189.89 $3.98 Cash Advances 26.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Protect your credit score. Detect fraud vith automatic alerts if your credit report changes with CreditWlse—but right into the Capital One' mobile app. EFTA00123788 capitajOne Page 1 of 2 Platinum MasterCard Account Ending in MI Aug. 16. 2018 Sep. 15. 2018 31 cays in Billing Cycle Payment Information Payment Due Date Oct. 12, 2018 For online and phone payments. the deadline is 8pm ET. New Balance $302.50 Minimum Payment Due $15.00 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 $38.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about... And you will end up paying an estimated total of.. Minimum Payment 3 Years $421 If you would like information about credit counseling services, call Account Summary Previous Balance $262.76 Payments - $262.76 Other Credits $0.00 Transactions + $302.50 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance Credit Limit = $302.50 $750.00 Available Credit (as of Sep. 15, 2018) $447.50 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 300085 Protect your credit score. Detect fraud with automatic alerts if you, credit report changes with CreditWise—built right into the Capital Ong mobile app. Text 011E to 80101 to download the app. Messaging & Data rates may apply. Account Notifications 40 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: Please send us this porti3n of your statement and onty one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Oct. 12, 2018 Account Ending in New Balance $302.50 Minimum Payment Due $15.00 BROOKLYN. NY 11234-4029 Amount Enclosed See reverse for Important Information 400035 Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go papedess today. I P- P _ r _ e switch to paperlessi IM ME Ca ital One Carol Stream. IL 60197-6492 15 EFTA00123789 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in full by the die date. we wit 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 o( the balance that you did not pay. For Cash Advances and Special Transfers. we will sten 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. Now Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you. account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multnty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred o as the Balance Subject to Interest Rao n 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. Now can my Variable APR change? Your APRs may increase Cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L Now do we calculate your APR(s)? Index + margin Prime Rate + margin 3 month LIBOR • margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. Jay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. Street City State Zip code Phone Email How do you Process Payments? When you make a payment. you authorize us to innate an ACH or electronic payment that mil 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 cr other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Maim') Payment first to the balance with the lowest APR (including 0% APR). and then to balances with Ngher 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 Rights Summary (Does not Any 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 is statement, write to us at: Capital One 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 en error on your bill describe what you believe is wrong and why you berm 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount question. We wit notify you n writing within 30 days of our receipt of you letter. While we investigate whether or not there has been an error, the knowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may refrain 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 cot. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bat 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 cared the problem with the merchant you may have the right not to pay the refuelling 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 quality. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. Sat 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. ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk 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. When will you Credit My Payment? • 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. Mated 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. EFTA00123790 V Capita1O le Page 2 of 2 Platinum MasterCard Account Ending in IM Aug. 16, 2018 - Sep. 15. 2018 I 31 days in Billing Cycle Transactions Visit www.Laintaluite.t-cnit to see detailed transactions. NM: Payments, Credits and Adjustments Date Description Amount Sep 6 CAPITAL ONE ONLINE PYMTAuthDate - $262.76 05-Sep M Transactions Date Description Amount Aug 18 BURLINGTON STORES 1101BROOKLYNNY $55.10 Aug 26 YAHAIRA INC2123007428NY $109.97 Aug 30 AMZN MKTP US $26.94 AMZN.COWAMZN.COM/BILLWA Sep 12 BURLINGTON STORES 1101BROOKLYNNY $110.49 Total $302.50 Total Transactions for This Period $302.50 Date Description Amount Total Fees for This Period $0.00 Interest Charged Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 I Total Fees charged in 2018 $44.00 Total Interest charged in 2018 $53.75 Interest Charge Calculation 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 24.65% P $0.00 $0.00 Cash Advances 26.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 fa details. Manage your account 7 anywhere, anytime. , Pay your bill, set up alerts and more with the Capital One' mobile app. 300077 Text ONE to EFTA00123791 Capita - Page 1 of 2 Platinum MasterCard Account Ending in MI Sep. 16, 2018 - Oct. 15. 2018 I 30 days in Billing Cycle Payment Information Payment Due Date Nov. 12, 2018 For online and phone payments, the deadline is 8pm ET. New Balance $504.73 Minimum Payment Due $15.00 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 $38.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: It you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated month you pay... in about... total of.. Minimum Payment $20 6 Years 3 Years $1.001 $719 Estimated savings if balance is paid off in about 3 years: $282 If you would like information about credit counseling services, call , cceunt Summ.ry Previous Balance $302.50 Payments - $100.00 Other Credits $0.00 Transactions + $294.59 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $7.64 New Balance Credit Limit = $504.73 $750.00 Available Credit (as of Oct. 15, 2018) $245.27 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 I Manage your account 7 , anywhere, anytime. ' Pay your bill, set up alerts and more with the Capital One mobile app. 300077 L Account Notifications New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: Please send us this portion of your statement and onty one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Nov. 12, 2018 Account Ending in New Balance $504.73 Minimum Payment Due $15.00 BROOKLYN. NY 11234-4029 IIIIIII Amount Enclosed See reverse for Important Information 4000n Pay your bill on the go. Pay your bill securely and review transactions with the Capital One mobile app. Text ONE to 801avoload the app. is iVing may apply. Ca ital One Carol Stream, IL 60197-6492 It I I 1 15 EFTA00123792 001 How can I Avoid Paying Interest Charges? If you pay your statements New Balance in full by the die date. we wit not charge you interest on any new transactions that post to the purchase segment. If you have been paying your accoml 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 04 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 amid paying Interest Charges on new purchases. Please refer to the front of your statement for additional intimation. How Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Biting Cycle. Inmost Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 30.50 for each Billing Cycle if your accoml is subject to an Merest Charge. FlOv_f_ile_you Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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. br each segment we add the daily balances together and divide the sum by the number of days in the Bihng Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cyde. we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multpty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cyde. The Average Daly Balance is referred to as the Balance Subject to Interest Rate n the Interest Charge Calculation section of this Statement NOTE: Due to rounding or a minimum bterest Charge. this calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L How do we calculate your APR(s)? index + margin Prime Rate + margin 3 month LIBOR + margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. hay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we dose your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address by signing into your account online or Gating Customer Sews. How do you Process Payments? When you make a payment you authorize us to Initiate an ACH or electronic payment that mil be debited Iran your bank account or other related account. When you provide a check cr check information to make a payment. you authorize us to use information from the check to make a one-lime ACH cr other electronic transfer from your bank account. We may also process a as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment How do you Apply My Payment? We generally apply payments up to your Mormon Payment first to the balance with the lowest APR (including 0% APR). and then to balances with higher APRs. We apply any pan of yourpayment exceeding your Minimum Payment to the balance with the highest APR and then to balances with lower APRs. Billing Rights Summary (Does not Andy to Small Busness Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on is statement. write to us at: Capital One Salt Lake C . UT 84130-0285. In your letter. give us the following nformation: • 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 bit. 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount n question. We will notify you n writing within 30 days of our receipt of you letter. Wile 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 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 imiL Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bit 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 cared 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 you credit card account do not qualify. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in wilting at: Capital One. 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. ETC-08 4:02016 Capital One. Capital One is a (widely registered service mark 11i111/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barking by logging into your account: 2. Capital One Mobile Banking app for approved electronic devices; 3. Caking 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. When will you Credit My Payment? • For mobile. online cr 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 bottan 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 mall delivery. Mated 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. EFTA00123793 Capita1O le Page 2 of 2 Platinum MasterCard Account Ending in MI Sep. 16. 2018 - Oct. 15. 2018 I 30 days in Billing Cycle Visit e.t.a:II to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Sep 23 CAPITAL ONE ONLINE PYMTAuthDate 23-Sep - $50.00 Oct 13 CAPITAL ONE ONLINE PYMTAuthDate 13-Oct - $50.00 M Transactions Date Description Amount Oct 3 DELTA TICR: PSGR: ORIG: JFK, DEST: YYZ S/0: 0 CARRIER: DL SVC: E $169.00 Oct 3 DELTA TKR: $113.52 PSGR: ORIG: YYZ, DEST: .11K SAO: 0 CARRIER: DL SVC: E Oct 4 CheapTix $9.90 Oct 11 Amazon PrimeAmzn.conVbillWA $2.17 l= Total Total Transactions for This Period $294.59 $294.59 Date Description Amount $0.00 Total Fees for This Period Interest Charged Interest Charge on Purchases $7.64 Interest Charge on Cash Advances $0.00 $0.00 Interest Charge on Other Balances Total Interest for This Period $7.64 I L Totals Year-to-Date Total Fees charged Total Interest charged $44.00 $61.39 Interest Charge Calculation 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 24.65% P $377.24 $7.64 Cash Advances 26.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. ;r:10:)S-1 11 Stay on top of your credit score. Monitor your credit score with CreditWise built right into the Capital One' mobile app EFTA00123794 capitajOne Page 1 of 2 Platinum MasterCard Account Ending in Oct. 16, 2018 Nov. 15. 2018 31 cays in Billing Cycle Payment Information Payment Due Date Dec. 12, 2018 For online and phone payments, the deadline is 8pm ET. New Balance $269.74 Minimum Payment Due $15.00 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 $38.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about... And you will end up paying an estimated total of.. Minimum Payment 2 Years $359 If you would like information about credit counseling services, call 0 Account Summary Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged $504.73 - $300.00 $0.00 + $56.77 + $0.00 + $0.00 + $8.24 New Balance Credit Limit Available Credit (as of Nov. 15, 2018) Cash Advance Credit Limit = $289.74 $750.00 $480.26 $100.00 Available Credit for Cash Advances $100.00 Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. 300083 Account Notifications New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Dec. 12, 2018 Account Ending in New Balance $269.74 Minimum Payment Due $15.00 BROOKLYN. NY 11234-4029 Illurl Amount Enclosed 400038 Get the app designed 7 to save time. Effortlessly manage your account on the go with the Capital One mobile app. Text ONE to 80101 to download the app. —Mr Messaging 8 Ca ital One Carol Stream. IL 60197-6492 1 15 EFTA00123795 001 How can I Avoid Paying Interest Charges? If you pay your statements New Balance in full by the die date. we wit not charge you interest on any new transactions that post to the purchase segment. If you have been paying your accoml 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 04 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 amid paying Interest Charges on new purchases. Please refer to the front of your statement for additional intimation. How Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Biting Cycle. Inmost Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 30.50 for each Billing Cycle if your accoml is subject to an Merest Charge. FlOv_f_ile_you Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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. br each segment we add the daily balances together and divide the sum by the number of days in the Bihng Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cyde. we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multpty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cyde. The Average Daly Balance is referred to as the Balance Subject to Interest Rate n the Interest Charge Calculation section of this Statement NOTE: Due to rounding or a minimum bterest Charge. this calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L How do we calculate your APR(s)? index + margin Prime Rate + margin 3 month LIBOR + margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. hay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we dose your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address by signing into your account online or Gating Customer Sews. How do you Process Payments? When you make a payment you authorize us to Initiate an ACH or electronic payment that mil be debited Iran your bank account or other related account. When you provide a check cr check information to make a payment. you authorize us to use information from the check to make a one-lime ACH cr other electronic transfer from your bank account. We may also process a as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment How do you Apply My Payment? We generally apply payments up to your Mormon Payment first to the balance with the lowest APR (including 0% APR). and then to balances with higher APRs. We apply any pan of yourpayment exceeding your Minimum Payment to the balance with the highest APR and then to balances with lower APRs. Billing Rights Summary (Does not Andy to Small Busness Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on is statement. write to us at: Capital One Salt Lake C . UT 84130-0285. In your letter. give us the following nformation: • 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 bit. 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount n question. We will notify you n writing within 30 days of our receipt of you letter. Wile 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 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 imiL Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bit 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 cared 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 you credit card account do not qualify. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in wilting at: Capital One. 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. ETC-08 4:02016 Capital One. Capital One is a (widely registered service mark 11i111/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barking by logging into your account: 2. Capital One Mobile Banking app for approved electronic devices; 3. Caking 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. When will you Credit My Payment? • For mobile. online cr 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 bottan 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 mall delivery. Mated 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. EFTA00123796 Capita Page 2 of 2 Platinum MasterCard Account Ending in MI Oct. 16. 2018 - Nov. 15. 2018 I 31 days in Billing Cycle Transactions Visit ir.coni to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Oct 20 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 20-Oct Nov 11 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 10-Nov Transactions Date Description Amount Oct 16 PARKING PPLTORONTOON $11.60 15.00 CAD L293103448 Exchange Rate Oct 18 Amazon PrimeAmzn.conVbiIIWA $14.14 Oct 29 ALBANY PARKING $1.55 AUTHORI518-4348886NY Nov 1 TORONTO PARKING AUTHORTORONTOON $12.24 16.00 CAD 1.307189542 Exchange Rate Nov 2 MAIN PARKING & PAY STATORONTOON $17.24 22.50 CAD L305104408 Exchange Rate Total $56.77 Total Transactions for This Period $56.77 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $8.24 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $8.24 Total Fees charged $44.00 Total Interest charged $69.63 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type M Balance Annual Percentage Balance Subject Interest Charge Rate(APR) to Interest Rate Purchases 24.65% P $393.59 $8.24 Cash Advances 26.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300065 II Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CrediMIse—buit right into the Capital One mobile app. EFTA00123797 Page 1 of 2 Platinum MasterCard Account Ending in capitajOne Payment Information Payment Due Date Jan. 12, 2019 For online and phone payments. the deadline is 8pm ET. New Balance $256.21 Minimum Payment Due $15.00 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 $38.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about... And you will end up paying an estimated total of.. Minimum Payment 2 Years $335 If you would like information about credit counseling services, call O Nov. 16, 2018 Dec. 15. 2018 30 cays in Billing Cycle Account Summary Previous Balance $269.74 Payments - $200.00 Other Credits $0.00 Transactions + $179.57 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $6.90 New Balance Credit Limit = $256.21 $750.00 Available Credit (as of Dec. 15, 2018) $493.79 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 II Stay on top of your credit score. Monitor your credit score with CreditWise' built right into the Capital One' mobile app. Text ONE to 80101to download the app. Messaging & Data rates may apply. Account Notifications New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: Please send us this portion of your statement and on one check (or one money order) to Capital ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Jan. 12, 2019 Account Ending in New Balance $256.21 Minimum Payment Due $15.00 BROOKLYN. NY 112314- 14029 Illurl Amount Enclosed See reverse for Important Information 400035 Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. Log in to your account to make the switch to paperless. Ca ital One Carol Stream. IL 60197-6492 1 15 EFTA00123798 001 How can I Avoid Paying Interest Charges? If you pay your statements New Balance in full by the die date. we wit not charge you interest on any new transactions that post to the purchase segment. If you have been paying your accoml 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 04 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 amid paying Interest Charges on new purchases. Please refer to the front of your statement for additional intimation. How Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Biting Cycle. Inmost Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of you account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of 30.50 for each Billing Cycle if your accoml is subject to an Merest Charge. FlOv_f_ile_you Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing 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 days 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. br each segment we add the daily balances together and divide the sum by the number of days in the Bihng Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Biting Cyde. we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multpty the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cyde. The Average Daly Balance is referred to as the Balance Subject to Interest Rate n the Interest Charge Calculation section of this Statement NOTE: Due to rounding or a minimum bterest Charge. this calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase cr decrease based on one of the following indices (reported in The Wag Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of his statement. Code next to your APR(s) P L How do we calculate your APR(s)? index + margin Prime Rate + margin 3 month LIBOR + margin When your APRs) will change The first day of the Billing Cycles that end in Jan.. April. hay. and Oct. Prime Rate • margin F 1 month LIBOR + margin The first day of each Billing Cycle. 4ow can I AvoidMembership Foes? 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 Biting Cycle covered by this statement to request that we dose your account. To avoid paying a monthly membership Fee, close you 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. Changing Mailing Address? You can change your address by signing into your account online or Gating Customer Sews. How do you Process Payments? When you make a payment you authorize us to Initiate an ACH or electronic payment that mil be debited Iran your bank account or other related account. When you provide a check cr check information to make a payment. you authorize us to use information from the check to make a one-lime ACH cr other electronic transfer from your bank account. We may also process a as a check transaction. Funds may be withdraw from your bank account as soon as the same day we process your payment How do you Apply My Payment? We generally apply payments up to your Mormon Payment first to the balance with the lowest APR (including 0% APR). and then to balances with higher APRs. We apply any pan of yourpayment exceeding your Minimum Payment to the balance with the highest APR and then to balances with lower APRs. Billing Rights Summary (Does not Andy to Small Busness Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on is statement. write to us at: Capital One Salt Lake C . UT 84130-0285. In your letter. give us the following nformation: • 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 bit. 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, but if you do we are not required to investigate any potential errors and you may have to pay the amount n question. We will notify you n writing within 30 days of our receipt of you letter. Wile 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 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 imiL Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bit 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 cared 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 you credit card account do not qualify. and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in wilting at: Capital One. 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. ETC-08 4:02016 Capital One. Capital One is a (widely registered service mark 11i111/16 How do I Make Payments? You may make your payment in several ways: 1. Online Barking by logging into your account: 2. Capital One Mobile Banking app for approved electronic devices; 3. Caking 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. When will you Credit My Payment? • For mobile. online cr 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 bottan 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 mall delivery. Mated 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. EFTA00123799 Capital a le Page 2 of 2 Platinum MasterCard Account Ending in MI Nov. 16. 2018 - Dec. 15. 2018 130 days in Billing Cycle Transactions Visit 42.coin to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Dec 12 CAPITAL ONE ONLINE PYMTAuthDate - $200.00 12-Dec M Transactions Date Description Amount Nov 18 Amazon PrimeAmzn.conVbillWA $14.14 Nov 27 AMZN Mktp $51.47 US*M04L74TN0Amzn.contibillWA Nov 28 AMZN Mktp $49.96 US*M07G87PCOAmzn.convbillWA Dec 4 JETBLUE $30.00 TIO: 27926045189431 PSGR: MS ORIG: XAA, DEST: XAA CARRIER: 86 SVC: Y Dec 10 JETBLUE $34.00 'Mg: 27926046614476 PSGR: MS ORIG: XAA, DEST: XAA CARRIER: 86 SVC: Y Total $179.57 Total Transactions for This Period $179.57 Fees Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $6.90 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $6.90 Total Fees charged $44.00 Total Interest charged $76.53 Interest Charge Calculation 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 24.65% P $340.82 $6.90 Cash Advances 26.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 7 Pay your bill, set up alerts and more with the Capital One mobile app. Manage your account anywhere, anytime. 300377 EFTA00123800