EFTA00123801.pdf

Capita - Page 1 of 2 Platinum MasterCard Account Ending in Dec. 16. 2018 Jan. 15. 2019 31 cays in Billing Cycle Payment Information Payment Due Date Feb. 12. 2019 For online and phone payments, the deadline is 8pm ET. New Balance $341.07 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 $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 i 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... Minimum Payment 3 Years $509 If you would like intonation about credit counseling services, call 1-888-326-8055. Account Summary Previous Balance $256.21 Payments - $400.00 Other Credits $0.00 Transactions + $483.06 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $1.80 New Balance Credit Limit = $341.07 $750.00 Available Credit (as of Jan. 15, 2019) $408.93 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 31° Effortlessly manage your account on the go with the Capital One mobile app. 300086 Get the app designed to save time. Text ONE to 80101 to • r• 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: 1-877-226-5697 or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalune.curn. Customer Service: 1-800-903-3637 See reverse for Important Information Please send us this portion of your statement and on one check (or one money Wei) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment Due Date: Feb. 12, 2019 Account Ending in NM New Balance $341.07 Illml Minimum Payment Due $15.00 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 P.O. Box 6492 Carol Stream. IL 60197-6492 1 5178057737152020 15 03410704 00000015000 EFTA00123801 001 How can I Avoid Payino Interest Charoes? If you pay your statement's New Balance in full by the eke date. we wil not charge you interest on any new transactions that post to the purchase segment. If you have been paying your ascoun in full with no Interest Charges. but then you do not pay your next New Balance In full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers. we will 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 pirchases. Please refer to the front of your statement for additional information. How Is the Interest Charm applied? Interest Charges accrue from the date of the transaction or the first day of the Biting 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 Biting 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 $0.50 for each Silting Cycle if your ascoun is subject to an Interest Charge. How do you Calculate the Interest Charts'? We use a method called Average Daily Balance finagling new transactions). 1. First for each segment we take the beginning balance each day and add in new transactions and the periockc Interest Charge on the previous days balance. Bien 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. At the end of each Boling 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 multnly 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 Rale 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. How can my Variable APR change? Your APRs may increase or decrease based on one of the following inthoes (reported in The Wafl 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 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.. Ape. July. and Oct. D F Prime Rate + margin 1 month LIBOR + margin \low can I Avoid Membership Fees? If a Renew ern statement. you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Siting 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? The first day of each Billing Cycle. al Notice on t ted h 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 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 onetime 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 Mirimitn 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. Minna Rights Summary (Does not Apoir 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 you statement, write to us at: Capital One P.O. Box 30285 Salt Lake City. UT 84130-0285. In your letter. give us the following information: • 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 beim 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 wil 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 rein* 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 toil 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 SI 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 mired the problem with the merchant you may have the right not to pay the remaining amount due on the purchase. To use this right. the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. and 2) You must not yet have telly paid for the pushes°. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. P.O. Box 30285. Salt Lake City. UT 84130-0285. While we investigate. the same rules apply to the disputed amount as discussed above. After we 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 92016 Capital One. Capital One is a federaty registered service mark 1101116 How do I Make Payments? You may make your payment in several ways: 1. Online Barking by logging into your accoint 2. Capital One Mobile Banking app for approved electronic devices: 3. Calling the telephone number listed on the front of this statement and providing the required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon a your aCCOiall 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 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. EFTA00123802 Capital()* Page 2 of 2 Platinum MasterCard Account Ending in MI Dec. 16. 2018 - Jan. 15. 2019 131 days in Billing Cycle Visit e.Luni to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Dec 26 CAPITAL ONE ONLINE PYMTAtrthDate - $400.00 26-Dec Transactions Date Description Amount Dec 18 Amazon PrimeAmzn.conVbillWA $14.14 Dec 20 MACYS KINGS PLAZABROOKLYNNY $60.99 Dec 21 BURLINGTON STORES 1101BROOKLYNNY $65.50 Jan 4 DPEDIA $166.33 7402459625461EXPEDIA.COMWA Jan 5 ALDO US 42904CENTRAL VALLENY $44.98 Jan 5 COSMETICS STRO WOODBURCENTRAL $38.97 VLYNY Jan 5 BEAR MOUNTAIN LODGINGBEAR $10.81 MOUNTAINNY ARRIVE: 01/04/19 DEPART: 01/05119 FOLIO*: 000003056 PM,: 800-430-7161 Jan 8 AMZN Mktp $34.44 US*M28069WD2Amzn.comibillWA Jan 8 OMNIVISTA HEALTH800-8061492MD $46.90 Total $483.08 Total Transactions for This Period $483.06 F. Date Description Amount Total Fees for This Period $0.00 Interest Charged Interest Charge on Purchases $1.80 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $1.80 Totals Year-to-Date Total Fees charged $0.00 i Total Interest charged $1.80 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 25J5% P $84.11 $1.80 Cash Advances 27.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 11 Stay on top of your credit score. Monitor your credit store with Credit Wise built right into the Capital One' mobile app. rates may apply. EFTA00123803 CaPhajOne Page 1 of 2 Platinum MasterCard Account Ending in MI Jan. 16. 2019 Feb. 15. 2019 31 cays in Billing Cycle Payment Information Payment Due Date For online and bhone oavments . . _ , the deadline is 8pm ET. Mar. 12 2019 New Balance Minimum Payment Due $478.53 $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 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 $930 $19 3 Years $686 Estimated savings if balance is paid off in about 3 years: $244 If you would like intonation about credit counseling services, call I-888-326-8(65. ' e Summ-ry Previous Balance $341.07 Payments - $453.98 Other Credits $0.00 Transactions + $591.44 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance Credit Limit = 9478.53 $750.00 Available Credit (as of Feb. 15, 2019) $271.47 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. Log in o you account to make the switch to papa 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: 1-877-226-5697 or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: 1-800-903-3637 See reverse for Important Information 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: Mar. 12, 2019 Account Ending in NM New Balance $478.53 Minimum Payment Due $15.00 Amount Enclosed 7 _ Effortlessly manage your __, account on the go with - the Capital One* mobile app. 400038 Get the app designed to save time. Text ONE to 801 . Messaging Capital One P.O. Box 6492 Carol Stream, IL 60197-6492 1 5178057737152020 15 0478530453980015007 EFTA00123804 001 How can I Avoid Payino Interest Charoes? If you pay your statement's New Balance in full by the eke date. we wil not charge you interest on any new transactions that post to the purchase segment. If you have been paying your ascoun in full with no Interest Charges. but then you do not pay your next New Balance In full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers. we will 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 pirchases. Please refer to the front of your statement for additional information. How Is the Interest Charm applied? Interest Charges accrue from the date of the transaction or the first day of the Biting 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 Biting 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 $0.50 for each Silting Cycle if your ascoun is subject to an Interest Charge. How do you Calculate the Interest Charts'? We use a method called Average Daily Balance finagling new transactions). 1. First for each segment we take the beginning balance each day and add in new transactions and the periockc Interest Charge on the previous days balance. Bien 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. At the end of each Boling 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 multnly 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 Rale 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. How can my Variable APR change? Your APRs may increase or decrease based on one of the following inthoes (reported in The Wafl 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 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.. Ape. July. and Oct. D F Prime Rate + margin 1 month LIBOR + margin \low can I Avoid Membership Fees? If a Renew ern statement. you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Siting 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? The first day of each Billing Cycle. al Notice on t ted h 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 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 onetime 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 Mirimitn 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. Minna Rights Summary (Does not Apoir 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 you statement, write to us at: Capital One P.O. Box 30285 Salt Lake City. UT 84130-0285. In your letter. give us the following information: • 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 beim 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 wil 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 rein* 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 toil 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 SI 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 mired the problem with the merchant you may have the right not to pay the remaining amount due on the purchase. To use this right. the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. and 2) You must not yet have telly paid for the pushes°. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. P.O. Box 30285. Salt Lake City. UT 84130-0285. While we investigate. the same rules apply to the disputed amount as discussed above. After we 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 92016 Capital One. Capital One is a federaty registered service mark 1101116 How do I Make Payments? You may make your payment in several ways: 1. Online Barking by logging into your accoint 2. Capital One Mobile Banking app for approved electronic devices: 3. Calling the telephone number listed on the front of this statement and providing the required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon a your aCCOiall 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 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. EFTA00123805 Capital(lie Page 2 of 2 Platinum MasterCard Account Entling in IM Jan. 16. 2019 Feb. 15. 2019 1 31 days in Billing Cycle Transactions Visit www.Lapitaluite.Lum to see detailed transactIons. Mount • Payments, Credits and Adjustments Date Oescription Feb 4 CAPITAL ONE ONLINE PYMTAtrthDate - 04-Feb $453.98 Mount Transactions Date Deseription Jan 18 Amazon PrimeAnun.comfbillWA $14.14 Jan 21 EXPRESS #1874ALBANYNY $31.20 Jan 21 VICTORIAS SECRET 0504ALBANYNY $67.57 Feb 7 BROOKLYN NETS718-933-3000NY $125.00 Feb 10 AMZN Mktp US*MB1V42R22Anun.comfbillWA $33.86 Feb 10 AMZN Mktp US*MB93COIC2Anun.com/billWA $26.43 Feb 11 MACTS COLONIE CENTERALBANYNY $24.58 Feb 14 CheapTix*7412429881718www.ctix.infoWA $9.10 Feb 14 CheapTix*7412432655313mwd.ctix.infoWA $33.00 Feb 14 BWIA 10672822500653800-9204225NY TKM: 10672822500653 PSGR: JAIME RIVAS WIL ORIG: SVD, DEST: POS CARRIER: MA SVC: Y ORIG: SVD, DEST: SVO CARRIER: MA SVC: Y $226.56 Total Total Transactions for This Period $591.44 $591.44 Date Deacription Mount Total Fees for This Period $0.00 Interest Charge on Purchases 50.00 Interest Charge on Cash Adventes 50.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 Totals Year-to-Dato Total Fees charged Total Interest charged 50.00 51.80 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Pereentage Balance Subject Interest Charge Rate(APR) to Interest Rate Purchases 25.15% P $0.00 $0.00 Cash Adventes 27.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 3000e II Protect your credit score. Detect fraud with automatie alerts if your credit report changes with &SWseil-buit right into the Capital 0ne' mobile app. EFTA00123806 Page 1 of 2 Platinum MasterCard Account Ending in Feb. 16. 2019 Mar. 15. 2019 28 cays in Billing Cycle Payment Information Payment Due Date Apr. 12, 2019 For online and phone payments. the deadline is 8pm ET. New Balance $98.27 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... Minimum Payment You will pay off the balance shown on this statement in about... And you will end up paying an estimated 9 Month(s) I $108 If you would like intonation about credit counseling services, call 1-88S-326-8055. O Account Summary Previous Balance $478.53 Payments - $478.53 Other Credits $0.00 Transactions + $98.27 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance = $98.27 Credit Limit $750.00 Available Credit (as of Mar. 15, 2019) $651.73 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 Stay on top of your credit score Monitor your credit score with CreditWise' built right into the Capital One' mobile app. Text ONE to 8O1O1to download the app. Messaging & Data rates may appal 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: 1-877-226-5697 or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: 1-800-903-3637 See reverse for Important Information 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: Apr. 12, 2019 Account Ending in NM New Balance $98.27 Illrrrl Minimum Payment Due Amount Enclosed $15.00 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 S Data rates may apply. Capital One P.O. Box 6492 Carol Stream. IL 60197-6492 1 5178057737152020 15 0098270478530015004 EFTA00123807 001 How can I Avoid Payino Interest Charoes? If you pay your statement's New Balance in full by the eke date. we wil not charge you interest on any new transactions that post to the purchase segment. If you have been paying your ascoun in full with no Interest Charges. but then you do not pay your next New Balance In full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers. we will 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 pirchases. Please refer to the front of your statement for additional information. How Is the Interest Charm applied? Interest Charges accrue from the date of the transaction or the first day of the Biting 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 Biting 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 $0.50 for each Silting Cycle if your ascoun is subject to an Interest Charge. How do you Calculate the Interest Charts'? We use a method called Average Daily Balance finagling new transactions). 1. First for each segment we take the beginning balance each day and add in new transactions and the periockc Interest Charge on the previous days balance. Bien 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 Biking Cycle. The result is the Average Daily Balance for each segment. 3. At the end of each Boling 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 multnly 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 Rale 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. How can my Variable APR change? Your APRs may increase or decrease based on one of the following inthoes (reported in The Wafl 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 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.. Ape. July. and Oct. D F Prime Rate + margin 1 month LIBOR + margin \low can I Avoid Membership Fees? If a Renew ern statement. you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Siting 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? The first day of each Billing Cycle. al Notice on t ted h 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 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 onetime 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 Mirimitn 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. Minna Rights Summary (Does not Apoir 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 you statement, write to us at: Capital One P.O. Box 30285 Salt Lake City. UT 84130-0285. In your letter. give us the following information: • 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 beim 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 wil 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 rein* 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 toil 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 SI 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 mired the problem with the merchant you may have the right not to pay the remaining amount due on the purchase. To use this right. the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. and 2) You must not yet have telly paid for the pushes°. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One. P.O. Box 30285. Salt Lake City. UT 84130-0285. While we investigate. the same rules apply to the disputed amount as discussed above. After we 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 92016 Capital One. Capital One is a federaty registered service mark 1101116 How do I Make Payments? You may make your payment in several ways: 1. Online Barking by logging into your accoint 2. Capital One Mobile Banking app for approved electronic devices: 3. Calling the telephone number listed on the front of this statement and providing the required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon a your aCCOiall 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 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. EFTA00123808 t/ CapitalO Page 2 of 2 Platinum MasterCard Account Ending in I= Feb. 16, 2019 - Mar. 15, 2019 I 28 days in Billing Cycle Transactions Visit Lulu to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Mar 12 CAPITAL ONE ONLINE PYMTAuthDate - $478.53 12-Mar Transactions Date Description Amount Feb 18 Amazon PrimeAmzn.condbillWA $14.14 Mar 5 SP * HANACURE3109559997CA $34.99 Mar 14 CONOCO - RALPH AVE GASBROOKLYNNY $49.14 Total $98.27 Total Transactions for This Period $98.27 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 p Totals Year-to-Date I- Total Fees charged Total Interest charged $0.00 $1.80 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 25.15% P $0.00 $0.00 Cash Advances 27.15% 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. EFTA00123809 Capita,'One Page 1 of 2 Platinum MasterCard Account Ending in MI Mar. 16. 2019 Apr. 15. 2019 31 cays in Billing Cycle Payment Information Payment Due Date May 12, 2019 For online and phone payments. the deadline is 8pm ET. New Balance $99.83 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 estimated month you pay... in about... Minimum Payment 9 Month(s) $110 If you would like information about credit counseling services, call 1-888-326-8055. , e Summ.ry Previous Balance $98.27 Payments - $150.00 Other Credits $0.00 Transactions + $151.56 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance = $99.83 Credit Limit $750.00 Available Credit (as of Apr. 15, 2019) $650.17 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 Manage your account 7 anywhere, anytime. Pay your bill, set up alerts and more with the Capital One mobile app. 300077 Text ONE to8010Ito 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: 1-877-226-5697 or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: 1-800-903-3637 See reverse for Important Information Please send us this potion 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: May 12, 2019 Account Ending in New Balance $99.83 Minimum Payment Due $15.00 Amount Enclosed Make a statement. , Go paperless. 400035 Stop waiting for your bill to arrive in the mail and go papedess today rinpaamterto paperless Capital One P.O. Box 6492 Carol Stream. IL 60197-6492 1 5178057737152020 15 0099830150000015003 EFTA00123810 001 How can I Avoid Payina Interest Charges? If you pay your statements New Balance in full by the due date. we wil not charge you interest on any new transactions that post to the purchase segment. If you have been paying your accomit in fug with no Interest Charges. but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers. we will 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. How Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Bating 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 accoml is subject lo an Interest Charge. How do you Calculate the Interest Charge? 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 perioric Interest Charge on the previous days balance. Bien we subtract any payments and credits for that segmem 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 net 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 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 multply 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 Ne 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. How 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 ow can I Mold Membership F prM CO t 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. ees a ? If Renew The first day of each Billing Cycle. Notice bad h Changing Mailing Address? You can change your address by signing into your account online or calling Customer Service. Pay online at www.capitalone.com Pay using our mobile app How do you Process Payments? When you make a payment you authorize us to Initiate an ACH or electronic payment that wit 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 infarnalion from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be 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 Mirirmon 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 Apply to Small Busbess Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on you statement. write to us at: Capital One P.O. Box 30285 Salt Lake City. UT 84130-0285. In your letter. give us the following infatuation: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Problem: If you think there Is an error on your bill describe what you believe is wrong and why you Dave 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 pOlenbal errors and you may have to pay the amount in question. We will notify you n writing within 30 days of our receipt of you letter. Whle 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 renter on your statement and we may continue to charge you Mutest 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 unti we send you a notice about the outcome of our investigation. you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error go appear on your next statement) or the reasons we believe the SI 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 ceded 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 6:i 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. P.O. Box 30285. Salt Lake City. UT 84130-0285. While we investigate. the same rules apply to the disputed amount as discussed above. After we finish our investigation. we will tell you our decision. At that point. if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 ti 2016 Capital One. Capital One is a federaly registered service mark 11101/16 Mowsktildakfthymente 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. 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 a your account information. When will you Credit My Payment? • For mobile. Wine or over the phone. as of the business day we receive il, as tong 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. Any written requests on this fonn will not be honored. To manage your account, please refer to your biting statement for customer service options. EFTA00123811 CapitalOi Page 2 of 2 Platinum MasterCard Account Ending in Mar. 16. 2019 . Apr. 15. 2019 I 31 days in Billing Cycle Transactions Visit ir.cour to see detailed transactions. Payments, Credits and Adjustments Date Description Amount Apr 8 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 07-Apr Transactions Date Description Amount Mar 18 Amazon PrimeAmzn.conarbillWA $14.14 Mar 28 VS 'ETOPUPONLINE312-283-08080R $16.75 Apr 6 VS 'ETOPUPONLINE312-283-08080R $16.75 Apr 6 WINNERS 319TORONTOON $8.46 11.29 CAD 1.334515366 Exchange Rate SALLY BEAUTY 45501SCARBOROUGHON $6.76 9.03 CAD 1.335798817 Exchange Rate Apr 7 SHOPPERS DRUG MART $10.32 41SCARBOROUGHON 13.78 CAD 1.335271318 Exchange Rate Apr 8 PAYPAL 'HUANG C04029357733CA $23.98 Apr 12 VS 'ETOPUPONLINE312-283-08080R $16.75 Apr12 SALLY BEAUTY ill907BROOKLYNNY $32.65 Apr12 CARIBBEANPORT OF SPAINTTO $5.00 Total $151.56 Total Transactions for This Period $151.56 Fees 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 r - Totals Year•t•~-: Total Fees charged $0.00 Total Interest charged $1.80 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 25.15% P $0.00 $0.00 Cash Advances 27.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300085 Il Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CreditWlse—buit right into the Capital One mobile app. EFTA00123812 Capital Page 1 of 2 Platinum MasterCard Account Ending in MI Apr. 16. 2019 May 15. 2019 30 cays in Billing Cycle Payment Information Payment Due Date Jun. 12, 2019 For online and phone payments. the deadline is 8pm ET. New Balance $45.82 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... Minimum Payment You will pay off the balance shown on this statement in about... And you will end up paying an estimated 4 Month(s) I $48 If you would like intonation about credit counseling services, call 1-888-326-8055. 0 , e Summ.ry Previous Balance $99.83 Payments - $310.83 Other Credits $0.00 Transactions + $256.82 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance = $45.82 Credit Limit $750.00 Available Credit (as of May 15, 2019) $704.18 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. Log in o you account to make the 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: 1-877-226-5697 or wvAv.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: 1-800-903-3637 See reverse for Important Information 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: Jun. 12, 2019 Account Ending in New Balance $45.82 Minimum Payment Due $15.00 Amount Enclosed 4O003s 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 app Capital One P.O. Box 6492 Carol Stream, IL 60197-6492 1 5178057737152020 15 0045820310830015006 EFTA00123813 001 How can I Avoid Payina Interest Charges? If you pay your statements New Balance in full by the due date. we wil not charge you interest on any new transactions that post to the purchase segment. If you have been paying your accomit in fug with no Interest Charges. but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers. we will 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. How Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Bating 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 accoml is subject lo an Interest Charge. How do you Calculate the Interest Charge? 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 perioric Interest Charge on the previous days balance. Bien we subtract any payments and credits for that segmem 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 net 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 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 multply 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 Ne 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. How 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 ow can I Mold Membership F prM CO t 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. ees a ? If Renew The first day of each Billing Cycle. Notice bad h Changing Mailing Address? You can change your address by signing into your account online or calling Customer Service. Pay online at www.capitalone.com Pay using our mobile app How do you Process Payments? When you make a payment you authorize us to Initiate an ACH or electronic payment that wit 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 infarnalion from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be 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 Mirirmon 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 Apply to Small Busbess Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on you statement. write to us at: Capital One P.O. Box 30285 Salt Lake City. UT 84130-0285. In your letter. give us the following infatuation: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Problem: If you think there Is an error on your bill describe what you believe is wrong and why you Dave 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 pOlenbal errors and you may have to pay the amount in question. We will notify you n writing within 30 days of our receipt of you letter. Whle 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 renter on your statement and we may continue to charge you Mutest 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 unti we send you a notice about the outcome of our investigation. you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error go appear on your next statement) or the reasons we believe the SI 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 ceded 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 6:i 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. P.O. Box 30285. Salt Lake City. UT 84130-0285. While we investigate. the same rules apply to the disputed amount as discussed above. After we finish our investigation. we will tell you our decision. At that point. if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 ti 2016 Capital One. Capital One is a federaly registered service mark 11101/16 Mowsktildakfthymente 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. 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 a your account information. When will you Credit My Payment? • For mobile. Wine or over the phone. as of the business day we receive il, as tong 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. Any written requests on this fonn will not be honored. To manage your account, please refer to your biting statement for customer service options. EFTA00123814 CaPitajn Page 2 of 2 Platinum MasterCard Account Ending in IM Apr. 16, 2019 - May 15, 2019 I 30 days in Billing Cycle Transactions Visit coin to see detailed transactions. Payments, Credits and Adjustments Date Description Amount May 12 CAPITAL ONE ONLINE PYMTAuthDate - $310.83 08-May Transactions Date Description Amount Apr 18 Amazon PrimeAmzn.cornibillWA $14.14 Apr 19 VS *ETOPUPONLINE312-28348G8OR $59.00 Apr 25 RED LOBSTER 8104SCARBOROUGHON 111.68 CAD 1.348466554 Exchange Rate $82.82 Apr 29 SEPHORA 270ALBANYNY $44.06 May 2 Amazon.com*M222V89U0Amzn.corMbillWA $10.98 May 10 BLOOMEX 888-912-56660TTAWAON $45.82 Total Total Transactions for This Period $256.82 $256.82 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 Total Interest for This Period $0.00 $0.00 p Totals Year-to-Date I- Total Fees charged Total Interest charged $0.00 $1.80 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 25.15% P $0.00 $0.00 Cash Advances 27.15% 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. Text ONE to 80101 EFTA00123815 Cap:fatale Page 1 of 2 Platinum MasterCard Account Ending in MI May 16, 2019 Jun. 15. 2019 31 cays in Billing Cycle Payment Information Payment Due Date Jul. 12. 2019 For online and phone payments. the deadline is 8pm ET. New Balance $0.00 Minimum Payment Due $0.00 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. O Account Summary Previous Balance Payments Other Credits Transactions Cash Advances Fees Charged Interest Charged New Balance Credit Limit Available Credit (as of Jun. 15, 2019) Cash Advance Credit Limit Available Credit for Cash Advances $45.82 $698.99 $33.98 + $687.15 + $0.00 + $0.00 + $0.00 = $0.00 $750.00 $750.00 $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 • '! r . 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: 1-877-226-5697 or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. capita ei Customer Service: 1-800-903-3637 See reverse for Important Information 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: Jul. 12, 2019 Account Ending in I= New Balance $0.00 IILrd Minimum Payment Due $0.00 $ Amount Enclosed 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 paperies-s.. Capital One P.O. Box 6492 Carol Stream. IL 60197-6492 1 5178057737152020 15 0000000698990000009 EFTA00123816 001 How can I Avoid Payina Interest Charges? If you pay your statements New Balance in full by the due date. we wil not charge you interest on any new transactions that post to the purchase segment. If you have been paying your accomit in fug with no Interest Charges. but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers. we will 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. How Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Bating 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 accoml is subject lo an Interest Charge. How do you Calculate the Interest Charge? 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 perioric Interest Charge on the previous days balance. Bien we subtract any payments and credits for that segmem 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 net 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 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 multply 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 Ne 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. How 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 ow can I Mold Membership F prM CO t 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. ees a ? If Renew The first day of each Billing Cycle. Notice bad h Changing Mailing Address? You can change your address by signing into your account online or calling Customer Service. Pay online at www.capitalone.com Pay using our mobile app How do you Process Payments? When you make a payment you authorize us to Initiate an ACH or electronic payment that wit 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 infarnalion from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be 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 Mirirmon 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 Apply to Small Busbess Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on you statement. write to us at: Capital One P.O. Box 30285 Salt Lake City. UT 84130-0285. In your letter. give us the following infatuation: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Problem: If you think there Is an error on your bill describe what you believe is wrong and why you Dave 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 pOlenbal errors and you may have to pay the amount in question. We will notify you n writing within 30 days of our receipt of you letter. Whle 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 renter on your statement and we may continue to charge you Mutest 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 unti we send you a notice about the outcome of our investigation. you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error go appear on your next statement) or the reasons we believe the SI 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 ceded 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 6:i 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. P.O. Box 30285. Salt Lake City. UT 84130-0285. While we investigate. the same rules apply to the disputed amount as discussed above. After we finish our investigation. we will tell you our decision. At that point. if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 ti 2016 Capital One. Capital One is a federaly registered service mark 11101/16 Mowsktildakfthymente 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. 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 a your account information. When will you Credit My Payment? • For mobile. Wine or over the phone. as of the business day we receive il, as tong 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. Any written requests on this fonn will not be honored. To manage your account, please refer to your biting statement for customer service options. EFTA00123817 capit e Page 2 of 2 Platinum MasterCard Account Ending in Mi May 16, 2019 - Jun. 15. 2019 31 days in Billing Cycle Transactions taluric.curn to see detailed transactions. Payments, Credits and Adjustments Date Description Amount May 30 AMZN MKTP US - $33.98 AMZN.COWAMZN.COM/BILLWA Jun 11 CAPITAL ONE ONLINE PYMTAuthDate - $698.99 11-Jun Transactions Date Description Amount May 17 AMZN Mktp $117.54 US*M NOC91 PK2Amzn.com/billWA May 18 Amazon PrimeAmzn.conVbillWA $14.14 May 22 PAYLESS SHOES000033324ALBANYNY $14.98 May 23 VS *ETOPUPONLINE312-2834)8080R $59.00 May 24 AMZN MKTP $74.30 US•MNO1T06N2AMZN.COMIBILLWA May 25 SHOPPERS DRUG MART $78.44 #1SCARBOROUGHON 105.42 CAD 1.343957165 Exchange Rate May 26 SHOPPERS DRUG $37.17 MARTO800SCARBOROUGHON 49.95 CAD 1.343825666 Exchange Rate May 29 APPLEBEES 981635500537GLENMONTNY $39.13 Jun 1 VS *ETOPUPONLINE312-2834808OR $30.00 Jun 1 DUFRY TRINIDAD LIMITPIARCO $76.51 Jun 9 ORGANIFI, LLC17604878587CA $145.94 Total $887.15 Total Transactions for This Period $687.15 Fees 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 $aoo Total Interest for This Period $0.00 Transactions Continued Totals Year-to-Date Total Fees charged Total Interest charged $0.00 $1.80 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 RatetAPR) to Interest Rate Purchases 25.15% P $0.00 $0.00 Cash Advances 27.15% 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 EFTA00123818 capitajOne Page 1 of 2 Platinum MasterCard Account Ending in MI Jun. 16, 2019 Jul. 15. 2019 30 cays in Billing Cycle Payment Information Payment Due Date Aug. 12, 2019 For online and phone payments, the deadline is 8pm ET. New Balance $299.65 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 Doty 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... Minimum Payment 3 Years 1 $419 If you would like information about credit counseling seMces, call 1-888-326-8055. O •taunt Summ.ry Previous Balance $0.00 Payments - $150.00 Other Credits $0.00 Transactions + $449.65 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance = $299.85 Credit Limit $750.00 Available Credit (as of Jul. 15, 2019) $450.35 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 Your annual fee of $29 will be charged on your 08/2019 statement. Manage your account 7 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: 1-877-226-5697 or www.dfs.ny.gov. O Renewal Notice - Your 08/2019 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: 1-800-903-3637 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: Aug. 12, 2019 Account Ending in New Balance $299.65 Illml Minimum Payment Due Amount Enclosed $15.00 400039 Pay your bill on the go. Pay your bill securely and review transactions with the Capital One mobile app. Text ONE to 80101to download the app. Messaging & Data rates may apply. Capital One P.O. Box 6492 Carol Stream. IL 60197-6492 1 5178057737152020 15 0299650150000015003 EFTA00123819 001 How can I Avoid Payina Interest Charges? If you pay your statements New Balance in full by the due date. we wil not charge you interest on any new transactions that post to the purchase segment. If you have been paying your accomit in fug with no Interest Charges. but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers. we will 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. How Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Bating 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 accoml is subject lo an Interest Charge. How do you Calculate the Interest Charge? 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 perioric Interest Charge on the previous days balance. Bien we subtract any payments and credits for that segmem 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 net 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 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 multply 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 Ne 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. How 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 ow can I Mold Membership F prM CO t 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. ees a ? If Renew The first day of each Billing Cycle. Notice bad h Changing Mailing Address? You can change your address by signing into your account online or calling Customer Service. Pay online at www.capitalone.com Pay using our mobile app How do you Process Payments? When you make a payment you authorize us to Initiate an ACH or electronic payment that wit 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 infarnalion from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be 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 Mirirmon 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 Apply to Small Busbess Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on you statement. write to us at: Capital One P.O. Box 30285 Salt Lake City. UT 84130-0285. In your letter. give us the following infatuation: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Problem: If you think there Is an error on your bill describe what you believe is wrong and why you Dave 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 pOlenbal errors and you may have to pay the amount in question. We will notify you n writing within 30 days of our receipt of you letter. Whle 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 renter on your statement and we may continue to charge you Mutest 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 unti we send you a notice about the outcome of our investigation. you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error go appear on your next statement) or the reasons we believe the SI 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 ceded 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 6:i 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. P.O. Box 30285. Salt Lake City. UT 84130-0285. While we investigate. the same rules apply to the disputed amount as discussed above. After we finish our investigation. we will tell you our decision. At that point. if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 ti 2016 Capital One. Capital One is a federaly registered service mark 11101/16 Mowsktildakfthymente 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. 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 a your account information. When will you Credit My Payment? • For mobile. Wine or over the phone. as of the business day we receive il, as tong 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. Any written requests on this fonn will not be honored. To manage your account, please refer to your biting statement for customer service options. EFTA00123820 CapitalO Page 2 of 2 Platinum MasterCard Account Ending in MI Jun. 16, 2019 - Jul. 15. 2019 I 30 days in Billing Cycle Transactions Visit .r.co r to see detailed transactions. Payments, Credits and Adjustments Amount Date Description Jul 12 CAPITAL ONE ONLINE PYMTAuthDate - 07-Jul $150.00 Amount Transactions Date Description Jun 18 VS *ETOPUPONLINE312-283-08080R $59.00 Jun 18 Amazon PrimeAmzn.conVbillWA $14.14 Jun 18 ROTS CARIBBEAN RESTAURSCHENECTADYNY $16.00 Jun 19 AMZN Mktp US*M642A9SJ2Amzn.conVbillWA $87.41 Jul 2 IDENTOGO - TSA TWICSTATEN ISLANDNY $125.25 Jul 5 RITE AID STORE - 10585BROOKLYNNY $64.69 Jul 12 MACYS COLONIE CENTERALBANYNY $83.16 Total Total Transactions for This Period $449.65 $449.65 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 Totals Year-to-Date Total Fees charged Total Interest charged $0.00 $1.80 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 25.15% P $0.00 $0.00 Cash Advances 27.15% P $0.00 $0.00 = 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. EFTA00123821 Capita,'One Page 1 of 2 Platinum MasterCard Account Ending in Jul. 16. 2019 - Aug. 15. 2019 31 says in Billing Cycle Payment Information Payment Due Date Sep. 12, 2019 For online and phone payments. the deadline is 8pm ET. New Balance $270.17 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 1.38.00. 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 estimated month you pay... in about... 1 Minimum Payment 2 Years $362 If you would like information about credit counseling services, call 1438S-326-8055. , cceunt Summ-ry Previous Balance $299.65 Payments - $300.00 Other Credits - $83.16 Transactions + $300.11 Cash Advances + $0.00 Fees Charged + $44.00 Interest Charged + $9.57 New Balance Credit Limit = $270.17 $750.00 Available Credit (as of Aug. 15, 2019) $479.83 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 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: 1-877-226-5697 or wmv.dfs.ny.gov. 0 Make a statement Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. 300063 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this tee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: 1-800-903-3637 See reverse for Important Information Please send us this port0n 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: Sep. 12, 2019 Account Ending in NM New Balance $270.17 Minimum Payment Due $15.00 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 801 Messaging Capital One P.O. Box 6492 Carol Stream. IL 60197-6492 1 5178057737152020 15 0270170300000015004 EFTA00123822 001 How can I Avoid Payina Interest Charges? If you pay your statements New Balance in full by the due date. we wil not charge you interest on any new transactions that post to the purchase segment. If you have been paying your accomit in fug with no Interest Charges. but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers. we will 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. How Is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in kill. This means you may owe Interest Charges even if you pay the entire New Balance for one Bating 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 accoml is subject lo an Interest Charge. How do you Calculate the Interest Charge? 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 perioric Interest Charge on the previous days balance. Bien we subtract any payments and credits for that segmem 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 net 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 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 multply 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 Ne 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. How 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 ow can I Mold Membership F prM CO t 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. ees a ? If Renew The first day of each Billing Cycle. Notice bad h Changing Mailing Address? You can change your address by signing into your account online or calling Customer Service. Pay online at www.capitalone.com Pay using our mobile app How do you Process Payments? When you make a payment you authorize us to Initiate an ACH or electronic payment that wit 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 infarnalion from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be 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 Mirirmon 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 Apply to Small Busbess Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on you statement. write to us at: Capital One P.O. Box 30285 Salt Lake City. UT 84130-0285. In your letter. give us the following infatuation: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Problem: If you think there Is an error on your bill describe what you believe is wrong and why you Dave 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 pOlenbal errors and you may have to pay the amount in question. We will notify you n writing within 30 days of our receipt of you letter. Whle 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 renter on your statement and we may continue to charge you Mutest 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 unti we send you a notice about the outcome of our investigation. you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your letter. we wil send you a written notice explaining either that we corrected the error go appear on your next statement) or the reasons we believe the SI 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 ceded 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 6:i 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. P.O. Box 30285. Salt Lake City. UT 84130-0285. While we investigate. the same rules apply to the disputed amount as discussed above. After we finish our investigation. we will tell you our decision. At that point. if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 ti 2016 Capital One. Capital One is a federaly registered service mark 11101/16 Mowsktildakfthymente 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. 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 a your account information. When will you Credit My Payment? • For mobile. Wine or over the phone. as of the business day we receive il, as tong 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. Any written requests on this fonn will not be honored. To manage your account, please refer to your biting statement for customer service options. EFTA00123823 CapitalOrk, Page 2 of 2 Platinum MasterCard Account Ending in MI Jul. 16. 2019 . Aug. 15. 2019 I 31 days in Billing Cycle Transactions Visit ,v.cdpitaluite.Lurn to see detailed transactions. Payments, Credits and Adjustments Date Description Mount Jul 19 MACYS KINGS PLAZABROOKLYNNY - $83.16 Aug 13 CAPITAL ONE ONLINE PYMTAuthDate 12-Aug - $300.00 Transactions Date Description Amount Jul 18 Amazon PrimeAmzn.comlbillWA $14.14 Jul 19 VS *ETOPUPONLINE312-283-08080R $59.00 Jul 19 AMZN Mktp US*MA76K8CP2Amzn.comibillWA $131.77 Jul 19 MACYS KINGS PLAZABROOKLYNNY $46.82 Aug 5 AMZN Mktp US*MACIIJB8BBlAmzn.cornibillWA $29.87 Aug 5 AMZN Mktp US*MA1A89S32Amzn.conVbillWA $18.51 Total Total Transactions for This Period $300.11 $300.11 Date Description Amount Aug 12 PAST DUE FEE $15.00 Aug 15 CAPITAL ONE MEMBER FEE $29.00 Total Fees for This Period $44.00 Interest Charge on Purchases $9.57 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $9.57 0 -to-Date Total Fees charged Total Interest charged $44.00 $11.37 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 25.15% P $447.96 $9.57 Cash Advances 27.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300065 Il Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CreditWIse—buit right into the Capital One mobile app. EFTA00123824