EFTA00123832.pdf

Capolay)ne Paget of 2 Customer Sennee www.capitalone.com Platinum MasterCard NEW BALANCE 587.72 MINIMUM PAYMENT 525.00 PLEASE PAY Al YEAST TH6 MOM Credit Limit $200.00 Account oral Nj 11 DUE DATE Feb 12, 2015 Dec.16 . Jan. IS, 2015 31 Days In Bilk® Cyde ] MINIMUM PAYMENT WARNING: E)nurmeodylhermirumpetmateachpab0.ya MI pay rue itemslaxl knilotke yau bnparb poy etrxr tcirce. ForexatOe: Payment Amount Each Period It No Approximate Time to Pay MI Estimated Additional Charges An Made Statement Balance Total Cost LinnuoPmenert f MaVs you %old lientematon a7Dfcvedr Carg•Nrg sevces LME PAYMENT WARNING: Bwedon re:exe )ox rum= paret Cy yo.rd.edne. Cash Advance Credit Limit S100.00 )turrgY hanPl Y a kethl3b$1911 Available Credit: S 112.28 Available Credit for Cash Advances: S 100.00 Previous Balance Payments and Credits Fees and Interest Charged $214.74 I - ( $150.00 $22.98 + Transactions L 10.00 Sgt New Balance $87.72 New York residents may contact the New York State Department of Anancial obtain a comparative listing of aedit card rates, fees, and race rods. Contact New York State Department of Finandal SNViCeS: or www.dfs.ny.gov. Services to the (1150.00) Always at your service... Pay your bill online and take advantage of TRANSACTIONS these and other on-the-go services: • Capital One' text messaging • Card replacement PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS 1 13 JAN Cap 1 DebitCardPhonePmt AuthDate 12-Jan TRANSACTIONS FOR PHILLIP I WILLIAMS_ • Travel notification Log into www.capitalone.com to take advantage of these and other on-the-go services. 300026.0 FEES 1 12 JAN PAST DUE FEE $19.00 Total Fees This Period $19.00 INTEREST CHARGE CALCULATION INTEREST CHARGED INTEREST OiARGEPURCHASES Total Interest This Period 53.98 53.96 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate Purchases 22.90% P 120430 Cash Advances 24.90% P 50.00 13.98 $0.00 Transactions continue on page 2 Due Date P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Feb12,2015 Account ending in - New Balance Minimum Payment $8732 J $25.00 PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 1 Amount Enclosed ENJOY 24/7 ACCESS TO YOUR ACCOUNT -op in and "wage your account amine et myrkerromoone ecm • Pay bolls • Crock your belam• • Per mow transactions Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123832 4)2 If Now can I Avoid Pain Interest Chime II you pay your statements Wen Odra,' in fdl by the due doe, we veil not charge yew on any new Kansas:ions the eon to the Pethase balance. If you lyre been ping your 344031I III fat wth ro non charges, butenyou do not pay par ran lkwIldarce n tit we sell these merest on the peon ot the blame that you dd not pay. kr cash adunas and sped orders, we vall stst Arang merest on the Pena:ten date. Now is the WeroW,Qpnye append? Ottani duns aeons from the I) dais el the tramanion. II date the tmsathon a ecceued or II int cakrdar day al the tiling period. Winn chnes roue on every raid anon rol n a pad n full Ths means you nay owe intent &nes eyen ilia pay the entire 'Nes Patne one month, but dd nal do so lot the meets meth. Urpad interest charges are added to de mopes segment of your Account. Monier, we/nett the rght to rot assess meant chargesat arry Do you assess a Minimum Interest Chan) Yes. A tannin NITEROI CHARGE of $450 nil be assessed foe each Ming eyed year eccum a subject to an interest Char. Now do YOu SOIMIMiStSMMMShitra We the a onset aced Average DSO (melee (^doling new transathoral. Under sass meted. we to, cathAme par cagy bdrce; M cads segment I) isle the begiming balance and add in new trareasom and the peodc merest done on de piths; days balance. then 2) snow any payments and unfits Ice that segment as of the day. There'd, is the daft Wan Ice cads segrrem. HOATIt0 if you pad your preens months talent in full (or I put tulame van zero or aped, meant new InfttXtlan lebith post to put parthase cc speaal ptrthase signets se not added to the dah balances. Also. Prussians the ale subpa a grace pitied are not added to de duly balances. Nen, to fed Tour Average Daly (eance: 1) add the daily balances together fot each segment, and 1) diode the sun by the toothed deism the biting Eyck. Al the erdol each bling cyde. wedetente your Merest Charge as loIDAS: II aunty pour Average Daly Odense by de daily peendk sate %PRdiode:I by 36$) lot the segment. and II rrulody the teak by the norther of days n the blIng period. NOTE_ Oa to founding of a maim, interest Aug. tha catuloon may vary torn the burnt charge actualy assessed. Now cae my Yeriabk Ansel Percentage Rate Inge changet YoutAfil may incorase a decease based on one of de MMtirg reponed nelkes reported in The MO Sweet Samna. blind whets indet is used tot pit aura loot for a lean code on the front al tha simmem ran to dos AWOL Then And: the table bdoin [edema tofu MO New do we Soddy yaw APPIDM Index + magpie Isereviesnly dbdootd IC wth) When your ANDO wil MOM P L home Rath + mean 3 mord, MCA o nage The first day al the klieg pads that end a Ian. 401, In, and Oct 0 f Prime Rath + megn 1 month UOOR , mart Thelon Swot each etomn kilns ;nod. Are then AddationaLins associated with my exeunt) Yes, under dean cicumstances, you nay be assessed a tare or keened Paper, lee. YOJ rate aka be assessed Cradint fees 6 pealed by ben We resent the right to not 343013 lets WOW prior Oct wthotn nong or rghi to assess a irolar fee len blew can I Avoid Membership fees ? II a Porte:alNotice apimed on the hint of this statement you nal avoid paying an annual remise:Ilia the by conmaing Custom; Senn no mate than 45 days after de last day in the Whig ryde catered by the nemere to repst Wt we thee yes accort. To avoid paying a mon?: nerrterthip bee, coon Clemente Service spree to request that we dose your moult and we sit slop assessing your moot* nentenhp ley. Now can I rice Ltv miaow 7 YOU can contact Customer Senice armime to request that we dose pot acme% IL the time, ikt I exaan any addb l steps to account 'bum indadirg Sara ow down dothu6on and amdres. What happens if my &mak insmsskell We may dose or suspend your account and put tight to obtain credit at any tree and lot any reason, even it you are not in defath. Account suspension can be pennartm a tempeaw your accoum is dosed or suspended you mast stop thing put unit card and account 2) creel al anemic payments. 3) destroy all credit dais and access duds, and Ii pay al amounts you one us. nen I they were charged eta theaccount was dosed a suspended. Now do I fate Payments AI arty tine. you may pat the maims owner; de total ,road balance, or any amoum N beaten. Payments nay he made in several nap: 1)0nIne by going to aws.theiabne.com ardloggrq into par accort 2) Telephone 11004e Response System by dein? 1 800955.7070 ard lotos(rgthevone prompts. When you nate a ph:etpayment though Mee:ice response spivs, you authority us to inoaee r ACM or demotic payment that wit be debited Item your bark scam funds nay be wthdthen horn you, bank account as soon as the sane day we process par payment: 3Pfeting our telephone enrollee 1.500.955-7070ard pthodng your nlomuaonto our necessity% 1)Prymercs by mat thou)! be sent to them:ling address wooded on thetenonpoen ol tha statement. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink VAwn will you Credit Milani foe canine oe per the phone as of the buttressday we recent it, as long as they are made by 8 pm.ET. foe mailed payments, as al the hotness day we Rai. t it as long as: I) you send the boilon portion al this statement and deck to the payment adtess on the from al tha siennem and 13yos payment a 'coined in our massing centers by 5 pm. lord first Heath allow alma I?) businessdap for nal &Orrery. Wedamen:5 netted by us at arty Oder Ixation or in arty Oder born may not be credted as of de clay we receive due. DO yOu PrOten Peer Clatdd as an fiffleliklemiLlymmike Owen:nu veil be ptocesud n we of two ways: When you monde a check or deck irionnsion to mate a payment. you authorize to Ce ow agents to use the intension to make a one time A01 IMMO:100 or Eder <korona turd transfer from put deposemecum. Wk may also use the intension to motels the parrem as a check :mutton. What N I Mi Tor Danbcdoe II you ye ended to barkntry crotethoo this corm/odor is for Menem only. h a not an sleep to colect assess or nom a debt or dam. Do rot send us payments wither speatng wnh your tuntruptcy aliens or the Partway Coat f you or pis aliens wouth Ike to twin Da ballruptry thins tenon directly. please meta Caput One 10 Roe 30285 Sall Wu City, UT 84130.0385 MIND OPTS SUMMARY (Goes Not Apply to Small Rumen Accounts) What To Do If You Think You Sind A Mistake Oa Your Statoweat II you dint dere is an arc as your SISCITtfltAllt m a al: Card Ore P.O. Dec 30185 Sat LaleCins UT 84B00285 In Toilette, gise us the folevang Information: Account alternation: 505 sane and scant amber. Ddluattated: The dotar mart al the suspected 0101. Clescriztion of Purim: lips thnt these is an ere on you bit dnathe what you Mere is smog rd why you Wine t is a =tate. You must wawa us within 60 dr/salter decry appeared an you; siserrem. You must notify to of any peered entrain writing, You nay call us or natty us dessoncaly. be I you don art not maned to investigate any poiental tITCC1ardsu may hate to pay the arroum n question. We sell naafi you 013.1131:0 Phil 30 days d or PIMP Oi ion Icon. Whk we metopewhether cc not thee has been an end, the loloning are nee: We cannot try to Erika the amount n question, ot remit you as dein:pert cn that amount The charge in piton may Ninon on nos statement and we nay continue to these sou most on that arncum. Out if ne designee that we made a nova:, you ail not have to pay the anoure in question oe arty merest ot lees related to that amcant. Wide you do rot have to pay de =cant in thence will we send you a name about the anion of ow imeinsion, you art responsible lot de remanded )0111 balance. We Es apply any unpaid =cum agansi your coedit Irak. Wain 90 days ol our nem of your kner, we wit serd you a wen nem aptarog ethe 1,131 are calmed the error ho appear on you, nett statement) oe the IC3WIS are Mine the bill is caret Your ItMMS N You ode DissaIsSed With Yom Credit Ceed Purchases. II you se dssaiMed Athely goods notes dal you hay pschased wth you credit cad. and you lute reed in good kith to worn theproblem will the reicher, you nal have the me rot to pay the rtmanng 317COrt 4130 on the cordon To Use this rigIt. the (003409 must be true: 1) You must have used nos aedt card fa the ponhase. Purchases node Ph cash adrarces from an ATM a oath a check that acmes yon cede card account do not quaff; and 1) You met not pt hare fully pad lot the purchase. 0 all d the antra these are net and pro alt. stif dinmeded with the purchash tonal us 11 044D33I: Cacitti Ore P.O. Dec 30285 Sat Late ON. UT 81130.0185 Whle we ingestion the sane mks apply to the deputed amount as chained atom Ate; we Inn DX investigatoe we wit sell you cm deason. Ai that pont we think you me an amount and you do not pay we may repet you as ddnquent. Capital One supports in./amnion piney protection. see our websirea, aveaccrimloneuns 0 2014 Capeal One. Capital One is a 'death regimen sews net MI rights merged. ETC.08 II/34'14 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. • Don't staple or paper dip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123833 CapitalOne Pa 2 of 2 Customer Service www.capitalone.com Platinum MasterCard NEW BALANCE Il $87.72 Previous Balance $214.74 MINIMUM PAYMENT $25.00 Payments and Credits Account ending hal DUEDATE Feb12,2015 $150.00 Dec. 16 - Mn. 15, 2015 31 Days in Billing Cyde ] Fees and Interest Cha ed Credit Limit $200.00 Available Credit $112.28 Cash Advance Credit Limit: $100.00 Available Credit for Cash Advances: $100.00 Transactions $0.00 New Balance $87.72 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year $19.00 Total Interest This Year $3.98 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days km your minimum payment to mach Capital One. EFTA00123834 CapitalOne Paget of 3 aislomer Service WWW.CapdaiOne.tOm Platinum MasterCard NBV8ALANCE $93.18 MINIMUM PAYMENT $25.00 vt;••• PtFASE PAY AT tag TiMmaNnit Account ending in • DUEDATE Mar 12, 2015 Credit Limit $200.00 Cash Advance Credit Limit $100.00 Available Credit: SI 06.82 Available Credit for Cash Advances: S100.00 Previous Balance $87.12 j — Jan. 16 - Feb. 15, 2015 31 Days in Biting Cyde 1 MINIMUM PAYMENT WARNING: Nyco rode celytherrwirrurnpomyteachpeiod.Th MI pay rue itemslard t tike you ionrierb pay citpxr tcirce. ForexaVe: Payment Amount Each Period It No Approximate Time to Pay ON Estimated Additional Charges Am Made Statement Balance Total Cost lArrimPamet 5 Mom* Ste Ilyou maid Ike thrrarm abo.r. CfeCtl ccuiscrig scotes, cal IIMB LATE PAYMENT WARNING: rwedo not resat yourrintrun ammonite yarduecMa. Au trey have to pay a La Sae chp m SI91Xt Payments and Credits Fees and Interest Charged S50.00 $2.63 + Transactions 552.83 New York residents may contact the New York State Department of financial Services to obtain a comparative listing of aedit card rates, fees, and race Sods. Contact the New YorkState Department of Financial Services: or www.dfs.ny.gov. Renewal Notice Your 03/2015 til vii indude your $29.00 amual membership fee. The reverse of this page explains how you may dose your account and avoid this fee. Both sides of this page provide important information about your rates) and how your interest charge is calculated. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILUAMS 1 12 FEB Cap 1 ElectromcPhonePrmAuthDate I 2.tE8 (150.00) TRANSACTIONS FOR PIIIWP I WILLIAMS 1 14 JAN 7-ELEVEN 274548FLOOKLYNNY $2.82 2 14 JAN SUNOCO 0007155517BROOKLYNNY $30.00 3 15 JAN QUEENS BL FILL If WQ39LONG ISLAND CNY S20.01 Total for Phillip I Williams $5283 ► TilaiTransactonslhisPelod ass L Transactions continue on page 2 Due Date New Balance + MORE Credit cards are only part of the equation. 393.18 Learn about all the ways we can serve your needs at capitalone.com. 3000IO-C 1 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate Purchases 22.90% P 5135.02 S2.63 Cash Advances 24.90% P S0.00 S0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in New Balance Minimum Payment Amount Enclosed Mar12,2015 K $93.18 )C $25.00 Y PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Irrrrllllllrlllrllrllrlllllllelrslllllllllllrlrlll rllllrII 111111 ENJOY 24/7 ACCESS TO YOUR ACCOUNT -og in and renege your account online at weocaptolone cam • Poi bees • Crock your belant• • F trantaCtsn Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 Odd' I EFTA00123835 WI IS Now cm I Avoid Puha Interest Chime II you pay your statements Wen Ildaue in fdl by the due date, we tell not charge rend on any new tralsaMons that pod to the Pschase balance. If you lyre been ping you, 344031I VI fat wth roomiest charges, butenyou do not pay an ran lkw Sine n Tit we sell Marge awed on the peon of the blame that you dd not pay. kr cash arinnas and 'cocci earths's, we vall stxt dwgrq merest on the Panto:Inn date. Now is the WeroW,Qpne append? lamest charges aeon from the I) date el the trarantion. II date the urnavon a occessed or l) int cakrdar day al the tiling period. hong doges moue on every tread anon trot n a pad n kit Ths means you nay owe almost dwges teen ilycu pay the entire sees Patne one north, but dd nal do so lot the famous month. Urpad interest charges are added to de wows segment of your Account. Nome:, we come the rght to rot assess meant charges at any Do yoe assess a Minimum Interest throe) Yes. A rrinroun INTEREST ClIOAGE of $450 nil be assessed foe each tiling rend year acccum a subject to an MOIR 4,137. NOW do you SONSININISIffilliNne NO the a netted pled Overeat DSO (melte fedolire new twaszoral. Urdu ths meted. we to, cab,late pr.r cagy bdrce; be cads segment Duke the begimirg bdance and add in new trareactom ed the pada merest those on de mama days bdance. then 2) subtract any payments and credits Ice that segment as of Ns day. Theretch is the daft Wan be cads segrrem. NOATIt0 if you pad your werous months talent in full (orty:0i tulawe was rem or aced, most new InfttXtlan lebith past to wow yr.rchase or peal pothase segnaus se ace added to the doily balances. Also. vamosions that ale subfra a grace period are not added to de dairy balances. Nen, to fed Tour Average Daly ()deice: 1) add the daily balances together fat each serest, and 1) diode the sue by the mother of deism the bang Eyck. Al dlt erdol each bling cyde. we determre your In Charge as bobcats: II nubbly pour Average Daly Odense by de daily pendk sate t&PRdiodai by DM) lot that segment. and 1I trulody the man by the number of days a the bring period. NOTE_ Due to tourdirg or a ninroun amerce those. tha catuloon may vary torn the burnt charge actualy assessed. Now Ca my Yeriabk Ansel encentacre Rate API) changet Yew AM may incited Ce decant based on we of de bawing reponed adios Imported in The MO Snot! Samna. To lird whets indet is used tot pis aura loot for a lean cock onthefront al this staumem ma to an AW0L Then abed the table bdoin Code nen to yow APO New do we debate yew MANN Index + metals' larevkatily dbdOWO IC you) When your *981st wil duns< P L flame Ram + maqn 3 morel MCA o oaten The first day al the klieg woods that end a Ian. Noel July, and Oct 0 f Prime Ram + margn I moth UOOR , lona Melva day al rod vomit)! Lang ;nod. Are then AdifttioaaLleet associated with my account/ Yes, under detail cicumstances, you nay be assessed a Late or Returned hymn lee. YOJ rate aka be assessed [ratline fees 6 pandled by bet We anent the right to not asses lets WOW with Oct wthotn tearing on rghi I0 341014 a irolar fee lom. New can I Avoid Membership fees ? If a Porte:alNotice is yarned on the hint of this statement, you nal avoid paying an annual anise:hie fee by contacting Custom; Senn no name than 15 days after de ha day in the Whig ryde catered by the ammert to request dui we doe yes accost To avoid paying a north?: rterrterthip bee, comes Gomm( Service spree to request that we dose your mots* and we sit slop assessing your month): nentenhp lee. Nor on I rinse It. &mum 7 YOU can comas Customer knice ermine to request that wedose )cat acconnt. eve time, AO I rxdan road:Yaquistepsto account datum indadirg balance ow dons domo6on and tithe. What happens if my damaillaspesskell We may dose ot suspend your account and put dght to obtain credit at any tree and lot any reason, even al you are not in defalt. Account suspension can be pennartm a temporaw your accoum is don or suspended you oast I) stop wing put cede card and account 2) creel al nornatic payments. 3) destroy all credit cods and access thecb, and N pay al anions you one us. nen Idle, were charged eta the scant was dosed a suspended. Now do I kealte Payments7 AI any tine. you may pat the maims owner; de total taped halence, or any amoum n berme Payments nay he made in several reap: 1)Calne by going to aws.myriabne.com ardloggrq into yosaactuth 2) ides:bore 11004e Response System by dein? 1 800955.7070 ard kios(rgehevoa prompts. When you rode a phone portonUri:Ugh al voice response spiv; you authority us to inoate r ACM CO tICOICIlk payment that sell be debited Item your bark scum funds !my be wthdtaan how you, bark account as soon as the sane day we process yon payment: 3)Catirg our telephone ranter 1.9.10.955-7070ard pmadng your nlomution ea our transmute% • Ozyrrerts by coal should be sent to them:ling address wooded on thetenonpanic° al tha statement. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink Yawn will you Credit Milani foe onine oe per the Wont as ti the buttress day we recent it as long as they are made by 8 pm.ET. foe mailed payments, as al the hotness day we Rai.eat as long as: I) you send theboson portion al this statement rd deck to the payment adthess on the from al tha statement rd 13yos payment a remised in out wocessag centers by 5 pm. local first Troy Sloe at lent I7) Miress days for nal &Orrery. Wedamen:5 netted by us at arty Oder boat= or a arty Oder born may not been:dm:las of de clay we receivedunk DO yOu Proven Peer Canis as an iJanlateriblimili? hymn wit be peocested h we of two ways: When you woade a dud or deck irionnsion to mate a payment. you authorize us Ce ow agents to use the iricension to make a one time A01 .mason or ether <korona turd transfer Icon no deposeaccount Wk may also use the intension to poems the parrem as a check urnecton. What a I Mi foe Danbandoe II you ye crated to barkmatcy octeaiork this corrmsoution is for daemon only. h a not al =ems to coiled. assess or nom a debt or dam. Do rot send us payments whoa speatng wnh your tuntruptcy anon., oe the Outdo) Coat irtl or pis anon., woud Ike to comas Da baltruptry dons tenon directly. please C03410: Capul One 10 Roe 30285 Sall Wu CM, UT 84130.0285 MIND AIGNTS SUMMARY (Goes Not Apply to Seam thwness Accounes) What To Do If You Think You Sind A Mistake Oa Your Statoweat II you that dere is an ante at you: SIStITOMOITIO m w al: 'LISS Ore P.O. Dec 30185 SalthaleCin, UT 84B00285 In yens tenet gise us the fylevang alternation: Account tdormaion: 505 sane and acting amber. Ddluattautd: The dotar mart al the suspected COOL Oescriztion of hotlem: It you mhnt there is an ern on lot bit *lobe what you Mere is snag ad why you belie e a is a maid& You must mama us within 60 dorsalto deems appeared al you; staterrem. You must notify to of any petered errors in aritirg, You way call us or natty us deasoncaly. bet f you don art not mond to investigate any potential tITCC1ardsu may haw to pay the arroum n question. We sell notify you 013ItINNO Main 30 days dot PIMP of ion Icon. Whk we metopewhether or not thew has been an mm, the teleran? are nue: We cannot try to cotta the amount a question, ot repot you as deirmerecn that amount. The charge a theston may union on ps statement and we nay conirrue to (hugeyou must on that arncum. Out if ere designee that sty more a rood:, you ail not ham to pay the anourt inquest= oe arry merest ot ohm fees related to that amosu. Wide you do rat have to pay de mewl in qt.estee will we send you a mace about the anon of ow imeingsion, you art responsible kr de remanded yaw balance. We cal ma* myunpaida:mum agansi your coedit Irak When 90 days ol our new of your knee, we w11 serd you a Adam nem aptrog oho than Ike calmed the error ho appear on your not statement) oe the noon O. Leine the bill is cared. Your MOTS N You An DissaIsSed With Yew Credit Gaol Purchases. II you se dssaiMed Athely goods ot notes this Sou hate pschased with loo credit cad. *Id you hate mid in good kith to coned the problem wth the merchant you nal bait the me rot to pay the rtmanng amount 4130 on the cordon To Use 00 rigle. IN (003409 must be me: 1) You must Rae used aosaedt card fa the yorthase. Purchases node aith cash adrames from an ATM a oath a check that accesses vow cede card account do not quaff; ad 2) You mad not at hare fully pad lot the purchase 0 did the criteria abase are net and loo alt.sut diomeded with the purchase, tented us 11004D33I: Cacitti Ore P.O. Dec 30285 Sat Late CO. NIT 81130-0185 Wile we Mistime the sane mks apply to de dawned amcum as doomed atom Ate; we faith at investigator,. we tell sell you on diatom Ai that pont i we think you axe an amount and you do not pay we may repot you as ddnquent. Capital One supports irionnsion Many prtnection see our webtirea, avers.capitalone.cono 0 2014 Captal One. Capital One is a Ideal,/ registered sever nail MI mks mend. (TC.08 11/34'14 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. • Don't staple or paper dip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123836 Capita One . Pa e 2 of 3 Customer Smite www.capitalone.com Platinum MasterCard NE? BALANCE $9318 MINIMUM PAYMENT Ea® Account ending In DUEDATE Mar 12, 2015 Previous Balance $87.72 ) Jan. 16 - Feb. 15, 2015 31 Days in Billing Cyde Credit Limit S200.00 Available Credit S106.82 Cash Advance Credit Umit S100.00 Available Credit for Cash Advances: S100.00 Payments and Credits Fees and Interest Cha ed 550.00 Transactions Th $52.83 New Balance $93.18 TRANSACTIONS CONTINUED FEES Total fees TM Period INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period TOTALS YEAR TO DATE Total fees This Year Total Interest This Year $0.00 S2.63 S2.63 S19.00 S6.61 EFTA00123837 ENROLL IN ONLINE BANKING TO STAY ON TOP OF YOUR FINANCES Did you know Capital One Online Banking offers a range of financial tools right at your fingertips? From monitoring your credit score, to enhanced security measures, and more—you'll enjoy convenient benefits all year round (including when you need them most, like tax time). VIEW STATEMENT HISTORY Keep tabs on all your transactions with access to up to four years of statements, which comes in handy during tax season. CAPITAL ONE CREDIT TRACKER* Get 100% free unlimited access to your monthly credit score, a what-if simulator to see how your actions could affect your credit score, and other tools that will help you understand your credit score. ENHANCED TRANSACTIONS Keep an eye on your account by seeing the merchant name, logo, address, phone number, and even a map (if available) so you'll know exactly where you made that purchase. INTERACTIVE FRAUD ALERTS Know about fraud attempts and avoid declines with real-time text and email alerts that you can respond to instantly. Enroll in online banking and you'll get a text, email, and if you don't respond, a phone call. To receive these and other great benefits, please make sure your preferred email address and other contact information is up to date. Enroll now at capitalone.com/enrollnow *Currently not available to Spark customers or retail partner cards. EFTA00123838 EFTA00123839 (:;31741.31012t, Page 1 of 2 Customer Service www.capdaione.COm Platinum MasterCard YEW BALANCE 5155.76 Credit Limit 5200.00 Available Credit: 544.24 Previous Balance $93.18 MINIMUM PAYMENT 525.00 PLEASE PAY AT LEAST TH6 MOM Account ending in DUE DATE Apr 12, 2015 Cash Advance Credit Umit $100.00 Available Credit for Cash Advances: $44.24 Payments and Credits 558.00 j Feb. 16 - Mar. 15, 2015 28 Days in Billing Cyde 1 MINIMUM PAYMENT WANING: Il)nomde ody to mrirrornpromyleachpeiod. mu MI pay rue in itemslard nil oda yau bnperb pay oT )os tdaice. Foram, e: Payment Amount Each Period It No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost lArirrun Parra 8McetTs:. $160 gyarlOOLO lie inbiratcn aboicrAt cars•Nrg sevces. Lai IMEMI LATE PAYMENT WARNING: Cram nct rmene )cm- num un papa/ Ey woad*. Ku may tow z pay a tie ke ohaa to $I9C0 Fees and Interest Charged 550.52 + Transactions $70.06 1 New Balance 5155.76 1 New York residents may contact the New York State Department of Anancial Services to obtain a comparative listing of aedit card rates, fees, and race New York State Department of Finandal Services: rods. Contact the or www.dfs.ny.gov. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS 1 13 MAR Cap 1 ElecPhonePrnt VRUAuthDate 12-MAR (1.50.00/ 2 14 MAR MEMBERSHIP FEE CREDIT (58.00) TRANSACTIONS FOR PHILLIP I WILLIAMS 1 13 FEB SUNOCO 0007155511BROOKLYNNY $25.00 1 24 FEB SUNOCO 0007155517BROOKLYNNY $25.05 3 25 FEB SUNOCO 0001155517BROOKLYNNY 520.01 Total for Philip I Williams- $70.06 ► ToialTrawarabnallisPelod $70.06 FEES Transactions continue on page 2 Due Date Don't understand credit? That's because you've never had a teacher like this: capitalone.comflinanclaleducation Check it out on your schedule, 24/7. 3000I4-C INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases Cash Advances 21.90% P 14.90% P 5143.35 $0.00 $2.52 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVVVW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Apr12,2015 1 Account ending in New Balance Minimum Payment Amount Enclosed $155.76 )6 $25.00 )( PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 11111 d111111n11i11111111111111'111' 11111"1111111,1111' 111111 ENJOY 24/7 ACCESS TO YOUR ACCOUNT -og in and manage your account amine at wacaptalone cam • Pay begs • Crack your If elaot• • F yrmit turntable'', Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte, NC 28272-1083 EFTA00123840 ml IS Newid0111flastittenaammt IV:0 OM Your 'weren't hes Balance in NI bY ft dmdale. we mil rat charge you merest on arti row Parse:tom Mx post to the purchase serum . Ira hate been mum your accost in kitnthno Interest Charges. btt then you do not per par ma Hew [glance in kit newt charge inerest al the moon al Pe balance Mal you dd rat pay. For Cash !dunces and Special Transfers, we ail start durgng Invest al the Prise:eon date (titan prone:end dies may aloe you to pas less Mai the told NCYI (Maur end avad prointerest Charges on new eschews. Rase icier tote lent d par exernem kr addooral nfomMon yew k the Interest Charm meired? !merest Charges accrue from Medan of the MITMIIINNI or the Iry day al the burg Cycle. Kent Chalets max on Nay tread aneurt Jail t is pad n ball This mum pa may owe newest Chalets men it you pay the entre hew (Vance kr ore Wing Cwk. but did not do so the pencras Piing Cyde Urpad If St/ClIChItge. Wead:led to the coremondng 'tonere dycur scant. Do you arms a Minimum Intense Charnel We may assess a mermen bans Change d 1010 be each Piing Cycle [your mount a subject to an !feet's, Charge. Haw do you C$Sa(o Po InteNSI Charge We me a net cal abed Ayerme Daily Odour Inchdirg new IMISYSCI* I. int lee bath segrrem we uke the begreirg balance bath day ard at in new mansamom ard theaerobe 'Ito:est Change on the preliOUS dais balance Den wesebum' any parents ard omits for Mx tercet al CI that day. Tie result is the daly batarce ix each segment. However. [your prescus stnerrert balance vas zero ct a Mill an," ntYI narortens and post to your purchase segnert are COI %US 03 the daly bdarce. 2. Neu. kr each segmentwe add the dary [glances together and chide the sum by tie manta ol days in Pe &ling Cyde. The Haub 6 theMenge Daily Wince for bads segment 3, At the end dead) Riling Cycle, ism rruludy your Average Daly Babree kr cath segment try the dais pericdc axe (AM &Med by 3651 kr that segment and then we mutely the result by the rumba days it the Biting Cycle. We add the new Charges kr all wrens together. De result is pot laid Imexst Charge los the Biting Cyde. M)TE: Cuero rourdirg or amnia= tritest Charge. Ms 'daimonmar vs, stoat bum the Merest Charge actually assessed. yew tan my Vadalik AM thane Your AM may name ea decease based on one ed dse klbwng reported ndoces (reported in the WOMAN. Named. To Ind nisi:hint( a used Ica mar axon. lock kr a Meer cook on the bond this Hamm nee to pus APPAL Then chedc the &Michela.: Codenal to yom AIM New do we Sedate your APth33 Index a margin Iparrommly dbdOted to you) When your APMs) wa change P L Prime Rote 4 margin 3 mord+ LIBOR-. ear The rust day al Pe Piing Cwt.' that end in Ian. Mot July, ard On. 0 F Prime Rare 4 margin I monh DIOR* etami The run day al huh Biting Cyde. NOW can I Avoid Membership Fees? II aRepentNotice is primed on the lent of this statement pa nay avoid ammo en anal memteshp fee by contanng CUSICaltf Sonia no WV Oil AS days dm the tut day a the Wing Cycle catered by this statement to request the see dose pal mecum. To moil payng a =Mr menbenhip lee, close you account ard we will um assessing your mortNy membenhp lee. liesuumilkiseituAcomolL You can contact <WOO., Strike aniline to westthat use dose mar =curt Iftw do I Make Pamentil You may male your parem n several vow I. Onlneard loggirgimo your man 2. Caput One Mobile Ranting mplor mproini &enteric devixs; 3. Telephore Voce Peso:nuSystem by daing the *Icebox reenter toted on theWu ed Pis staterrem and felbrang the voce prompts Caling the teleplene meter lands the from el tin stamen and provdirg your irk.rmanon to our representatree: Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. 5. Sending mail payrrems so the address on the tont al his seamed silk the payment coupon or yow accost inknnaton. How do you Process hymeneal When you make a payment you authcrae us to incest an ACM or elecnonc payment that %ill be debts from par bankaccount or other related aoeourt Mum you preside a &Scathed idcenarpn tO Mlle a Pa'rell. you auttneire us lo use /daemon ton the check to mama onetime ACM aahet deascnc :undo from now bank =curt We nay abe process k as a check varnaction, funds nay be wtheiraorn from your bark .ICCOUft as soon as the same dm Mt MOMS your pvinert. You Credit My Panned for =kik. Viet 01 an the plume, mot the busness day we mew it as long as they are made by B pa ET. for mailed parents, as al the business day we recent.% as king as you serd the boom por6onol this mere* rd your check ea de wren address on the front d Iha statement. Please atm at least (7) busiress dap ice may delsery. Maled par enn /meted by us al arty ahem location or corn n any other form nay not be aedted as el the day we re:errethen. Now do you Apciv My Payment/ Wegerm:0r mpar parents ram your ikons, buret int to the balance with the lowest APR firCIAirg Ole AHD. and then to balances with hula APRs. De apply any pan d mar payment ecxedirg yogi/Amman harem to the tulrcevrrh the highest API( and thence bdaras withMeer APRs. Idling Rights Summary Oboes not AgatoSmall Business AccouMs) What To Do II You Think You find A Mistake Oa YOur Mgestat II you dint Pere is an snot on your %Lucent voile to to a Capital One P.O. Bat 30285 Sat Late Ces..01 841300165 In yeas Inn, gise us the folowng 31101frali"1: Accourt nlormation: Yes rarre and actor, runt., COI/ anoram: The dela• most el the sinmeted 0107. 0440j:60hof Plotkin: ti you dint duo n an erix on now bit *sok what you bdere is menu and why you beim it is a mates, You 'WS: COMIC m wthin 60 days are the error appeared on your statement. You nun 11011). elf 01 ant potential errors n vanirg. You nay call us or neat, us elearoncdis, bat it you do see are not reaMed to inteseguie my petered eves and you may hare to pm the arrourt in wanton. We will nobly ma in wring wihin 30 days dour wept al mar beet Whir we in...slimy nintier or not there has been en trt0/, the tolonirg are Rue: WO Ulna( tIflOcolect the anourt n clamor. a report you as &Invert on Put most the drag n wanton may wean on your statement and we may torero< to 0,319t painted cn that =WM. Eht. ewe determine INt we ma a nage you wit net hme to pay the amaum a question or any merest a otter lees related to that arrears. Wilk you do rot have to pay Pe mart in meston anal we send you a mace atom the mume d our bemoan:tort 'wareemu:amble kr Pe overdue( your Cadence. We can bmk any armed arroum aginst your credit km nothn 90 dogs dam wept ol your lene newts tend ma a nom notice embnirg ether that we careered the MCI (:14;9401 on Pt, nett SUIMMII0 a the Hug", we kitty tie bilis coned Your Rights NYeu Are Dissatisfied WithTour Purchase: II pun climate/red with Me goods or senses Maim hag exhalednthWar Maid am. and pa hag wed in good lath to coned the modem with the merchant you may hue the rgM not to par the renaming amount dues Pe narthex. To use Me rght the foloeirg mere be INC II you ran Km used nos adt card fa the purchase. Purchases nada with cash adorers tom an ATM a wth a check that accessesyour creek card am:rando not quails; end 2) You ma not yet hateful), pad for the purchaw II di of the atttril those are net and you are sal dinatided with the purchase, cornea us 41 wvergac Caps One P.O.Ber 30285 Sat Late City. UT 841300785 Wilk se intesiguit the sane min apply to Pe damned amour as chained atom Ater we Inds our ineestigatat se Ail sell pa me dmison. At that pont [we thirk you we an amour and you do not pay we my reps you as delnquenl. CA 2015 Capital One. Capital One is a kderally mooted score mark. ETC.OB 01011,5 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123841 Capital ((1 Pa e 2 of 2 Customer Service www.capitalone.com Platinum MasterCard NEW BALANCE $155.76 MINIMUM PAYMENT $2100 Account ending Ina DUEDATE Apr 12,2015 Previous Balance $93.18 Feb.16 - Mar. IS, 2015 28 Days in Billing Cyde ] Credit Limit S200.00 Available Credit $44.24 Cash Advance Credit Umit S100.00 Available Credit for Cash Advances: $44.24 Payments and Credits Fees and Interest Cha ed Transactions New Balance 558.00 S70.06 - 1 -/ $155.76 TRANSACTIONS CONTINUED FEES (CONTINUED) 1 12 MAR PAST DUE FEE $19.00 2 14 MAR CAPITAL ONE MEMBER FEE $29.00 Total Fees TM Period $48.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES 52.52 Total Interest This Period 52.52 TOTALS YEAR TO DATE Total Fees This Year S59.00 Total Interest This Year S9.13 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123842 Capitalaw Pagel of 2 Customer Service www.capdalone.com Platinum MasterCard NEW BALANCE 590.85 MINIMUM PAYMENT $25.00 PtFASE PAY AT MilSr Tad AmOuNT Account ending in MI DUE DATE May 12, 2015 Credit limit $200.00 Available Credit: SI 09.15 Previous Balance $155.76 Cash Advance Credit Umit $100.00 Available Credit for Cash Advances: 5100.00 Payments and Credits L S70.00 Mar. 16 - Apr.15,2015 31 Days in Billing Cyde1 MINIMUM PAYMENT WAMANG: E)nunuleorytermrrunpelmateactipeiod. you MI pay rue in itemslaxl nil oda you Smut pay oT )os tcirce. Foraturoe: Payment Amount Each Period It No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost lkinmPmenert Ilyou mid lienlymmon abused' cansamasenices.cai LATE PAYMENT WARNING: eneaonareceueyormnrunpareaboarduedge. )tu rray tem pay a tiered tom $I9C0 Wert* St6 Fees and Interest Charged S2.77 + Transactions 6232 New Balance S90.85 New York residents may contact the New York State Department of financial Services to obtain a comparative listing of oedit card rates, tees, and race rinds. Contact New YorkState Department of Finandal Services: or www.dfs.ny.gov. the TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 09 APR Cap I ElecPhonePmt VRUAuthDate 09•APR (S70.00) TRANSACTIONS FOR PHIWP I WIWAMS 1 30 MAR FEOEXOFFICE 00003467NEVV YORKNY S0.15 2 01 APR CVS/PliARMACY 0100868ROOKLYNW S2.17 Total for PhMlp I Williams- 62.32 Po Tool Transactions -This Period 52.32 FEES INTEREST CHARGED L Transactions continue on page 2 Due Date Total Fees This Period S0.00 It's easy to set up your FREE account alerts: First, "Log In" to Online Banking. Next, sign up by: 1. Clicking "Messaging and Alerts" 2. Clicking "Set Alerts" 3. Choosing the free alerts you'd Ike to receive Your carrier may charge a fee for each ten message alert you receive. 300007-C INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate Purchases 22.90% P $142.53 Cash Advances 24.90% P $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. May 12,2015 1 Account ending in - New Balance Minimum Payment Amount Enclosed C $90.85 $25.00 PHILLIP I WILLIAMS PLEASE PAY AT LEAST THIS AMOUNT BROOKLYN, NY 11234-4029 II'IIIrllllll1llrrlllI rlulllllll l rl'I'11111111' 1'1' 1'11"I"1111 $2.77 S0.00 LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400322 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 111111' I" i1111rlIhIlll11 IIII'I II ' IIHHHIhhIllillllhllll EFTA00123843 OM if How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent 10f ad:Wont inlormateer. Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each BlIrg Cyde if your account is subject Wan IntereStChowe. Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new innsan• I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that segment as d that day. The fall is the daily balance fa each secant However, d your waren statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are not added to the dal), balance. 2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. 3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant. (ci each seven, byte daly pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered Charge fa the Biting Cyde. NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge eau* assessed. How can my Veda* APR Mame? Your APR may increase or decrease based on one of the folbaing reported Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code on their:ace/01s statement men to yds/Wrest then there theatrebelow: Code neat to your NW) How do we calculate your APR%) Indes + margin (previously disclosed to you) When yew APHIS) will change P L Prim Rate + °Inn 3 mooch LIBOR + raters The frst day of the Ming Cycles that and in Ian, Apt lure and Oa. 0 F POT* Rate + outgo I nreath LIBOR + (Arun The lady/of each Biting Cyde How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost moora How do I Make Pummels? You may mate you 0.ayMert 0 several ways: I. Onine and kwgng into jour account 2. Capital One Mobile Banking app for apt:toted electronic derma 3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid loloareg the sae Foram 4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour rtptieMECNO 5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your account inkrmadon. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink How do you Process Payments? Vita you make a garment, you authara us to inkilte an ACM of ekatonc payment that MI be debited ken your hark account or other related account. When you provide a check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment Wheaten emcees IN Friplenta For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm Et for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet (am may nit be uedoed as of theday to meve0ern. How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with 'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your StdteatteM mite IC us at Capital he P.O. Boa 30285 Sail Lake City. UT 84130-0285 In your tele, gve us thekilning irionsidon: Amount Warman: Your name and a WI emettl. Dela( amain: The dotal aura cl the suspected mot Ifireogrica of Ftobkm: a you think there is an erns en you bit, describe what you betere is wrong and wey you belere it 6 a mistake. You must contact us within 60days after the ern appeared on you( statement You must notify us of any potential errors in sating. You may call us a may us elearonalre but it you do we are not lectured WinveStwite any potential with and you may hint to pay the stoat n question. We wil nadir you in writs% settin 30 dare dour (eta of your letter. While we antifreeze whether or not therehas been an emit the laboring aretrues We arra try to corer the recut in question, a report you as deinquem on that amount The dung. in question may remain on year summons and we may contra to charge you Otefeit on that amount. But, it she determine that we made a (result, you Vin net have to pay the awn in question 01 any interest Or ether lees related to Ow WOOL While you do ra have to pay the amount in question until at MO you a nonce about the outcome of as you are imp:amble fate remander 01 tow balance. Wean apply errs unpaid amount aging your credo Unit Within %days Mow recta of you lute, we sal Send you a written Wee exptinkw ether that we corrected the error go appear on your eta statement) or the ream we believe the Oil is correct. Your Rights If You Are Dissatisfied With Your Pun :base: If you are dawdled wth the goods or services that you have purchased with your Credt card, and you have tried in good faith to correct the problem with the merchant you may ham the fight not to pay tie retaining amount due on the purchase. To use this rite, the (rebaing ups be we: I) You must have used your credo mad (a the purchase. Dachas.' made wth cash ethances from an ATM a %riga dad that accesses your Credt adamant &roar:to:lib/. and 2) You must not yet have luly paid kr the phase. II al cl the aterei above are met and you are soil desrestred with the pschase, contact us in twang at Capital One P.O. Box 30285 Sail Lake City, UT 84130-0285 YAMle se inseidgate, the same rules apply to tie disputed amount as dsoesed above. Ake( we finish our investigation, we wit all you OfsdecMco. At that poink il we think you owe an amount and you do not pay we may report you as Cancan rt 2015 caper One. Copal One is a tederalre regmered servo mat ETC 08 Mliot Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. • Don't staple or paper dip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123844 Capital s Page2of 2 Customer Service www.capitalone.com Mar. 16 - Apr. IS, 2015 31 Days in Billing Cyde Credit Limit S200.00 Platinum MasterCard Account ending in Available Credit 5109.15 NB? BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Umit 5100.00 E25.00 May12,2015 Available Credit for Cash Advances: S100.00 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance Si 55.76 570.00 $2.32 $90.85 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES S2.77 Total interest This Period 52.77 TOTALS YEAR TO DATE Total fees This Year S59.00 Total Interest This Year S11.90 EFTA00123845 Capitaldle Pagel of 2 Customer Service wwwxapdalonetom Platinum MasterCard PEW BALANCE $42.45 Credit Limit S200.00 Available Credit: SI 57.55 Previous Balance Account ending in MINIMUM PAYMENT DUE DATE $25.00 Jun 12, 2015 ::'• MEW PAY AT LEAST AuSamOuNT $90.85 j - Cash Advance Credit Umit SI00.00 Available Credit for Cash Advances: SI00.00 _f Apr.16 -May.15, 2015 30 Days in Billing Cyd1 MINIMUM PAYMENT WAMANG: liwumde onylhe mritturnpamwtoachpaicd.ycm MI pay rue h iteeslaxl nilmke yau bnparb pay ot )o.r [date Format*: Payment Amount Each Period It No Approximate Time to Pay 011 Estimated Additional Charges Are Made Statement Balance Total Cost lAntrunPmenert 21/cetT.F. R you nold Ilenlormitco atom credl cou-sorg sevces, cal LATE PAYMENT WARNING: hada Dm res:eue )ox numLnpererety yardscale. pu trey hate:, pay elate Ice cltm loSI91Xt Payments and Credits Fees and Interest Charged $50.00 ) + $1.60 Transactions 50.00 $44 New Balance $42.45 New York residents may contact the New Vatic State Department of Anancial Services to obtain a comparative listing of credit card rates, fees, and race rods. Contact the New YorkState Department of Finandal Services: or www.dfs.ny.gov. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 12 MAY Cap 1 ElecPhonePmt VRUAuthDate 12-MAY ($50.00) TRANSACTIONS FOR PHILLIP I WILUAMS FEES Total Fees This Period S0.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period Transactions continue on page 2 S1.60 S1.60 Due Date It's easy to set up your FREE account alerts: First, log In" to Online Banking. Next, sign up by: 1. Clicking "Messaging and Alerts" 2. Clicking "Set Alerts" 3. Choosing the free alerts you'd lice to receive Your carrier may charge a fee for each ten message alert you receive. 300007-C INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate Purchases 22.90% P 185.00 $1.60 Cash Advances 24.90% P S0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in New Balance Minimum Payment Amount Enciomcu .11$12,2015 $$2.45 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 525.00 -)( PLEASE PAY AT LEAST THIS AMOUNT LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. noon Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 i".. "11.1.111.11..1 u I EFTA00123846 OM if How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent 10f ad:Wont inlormateer. Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each BlIrg Cyde if your account is subject Wan IntereStChowe. Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new innsan• I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that segment as d that day. The fall is the daily balance fa each secant However, d your waren statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are not added to the dal), balance. 2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. 3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant. (ci each seven, byte daly pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered Charge fa the Biting Cyde. NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge eau* assessed. How can my Veda* APR Mame? Your APR may increase or decrease based on one of the folbaing reported Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code on their:ace/01s statement men to yds/Wrest then there theatrebelow: Code neat to your NW) How do we calculate your APR%) Indes + margin (previously disclosed to you) When yew APHIS) will change P L Prim Rate + °Inn 3 mooch LIBOR + raters The frst day of the Ming Cycles that and in Ian, Apt lure and Oa. 0 F POT* Rate + outgo I nreath LIBOR + (Arun The lady/of each Biting Cyde How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost moora How do I Make Pummels? You may mate you 0.ayMert 0 several ways: I. Onine and kwgng into jour account 2. Capital One Mobile Banking app for apt:toted electronic derma 3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid loloareg the sae Foram 4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour rtptieMECNO 5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your account inkrmadon. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink How do you Process Payments? Vita you make a garment, you authara us to inkilte an ACM of ekatonc payment that MI be debited ken your hark account or other related account. When you provide a check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment Wheaten emcees IN Friplenta For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm Et for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet (am may nit be uedoed as of theday to meve0ern. How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with 'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your StdteatteM mite IC us at Capital he P.O. Boa 30285 Sail Lake City. UT 84130-0285 In your tele, gve us thekilning irionsidon: Amount Warman: Your name and a WI emettl. Dela( amain: The dotal aura cl the suspected mot Ifireogrica of Ftobkm: a you think there is an erns en you bit, describe what you betere is wrong and wey you belere it 6 a mistake. You must contact us within 60days after the ern appeared on you( statement You must notify us of any potential errors in sating. You may call us a may us elearonalre but it you do we are not lectured WinveStwite any potential with and you may hint to pay the stoat n question. We wil nadir you in writs% settin 30 dare dour (eta of your letter. While we antifreeze whether or not therehas been an emit the laboring aretrues We arra try to corer the recut in question, a report you as deinquem on that amount The dung. in question may remain on year summons and we may contra to charge you Otefeit on that amount. But, it she determine that we made a (result, you Vin net have to pay the awn in question 01 any interest Or ether lees related to Ow WOOL While you do ra have to pay the amount in question until at MO you a nonce about the outcome of as you are imp:amble fate remander 01 tow balance. Wean apply errs unpaid amount aging your credo Unit Within %days Mow recta of you lute, we sal Send you a written Wee exptinkw ether that we corrected the error go appear on your eta statement) or the ream we believe the Oil is correct. Your Rights If You Are Dissatisfied With Your Pun :base: If you are dawdled wth the goods or services that you have purchased with your Credt card, and you have tried in good faith to correct the problem with the merchant you may ham the fight not to pay tie retaining amount due on the purchase. To use this rite, the (rebaing ups be we: I) You must have used your credo mad (a the purchase. Dachas.' made wth cash ethances from an ATM a %riga dad that accesses your Credt adamant &roar:to:lib/. and 2) You must not yet have luly paid kr the phase. II al cl the aterei above are met and you are soil desrestred with the pschase, contact us in twang at Capital One P.O. Box 30285 Sail Lake City, UT 84130-0285 YAMle se inseidgate, the same rules apply to tie disputed amount as dsoesed above. Ake( we finish our investigation, we wit all you OfsdecMco. At that poink il we think you owe an amount and you do not pay we may report you as Cancan rt 2015 caper One. Copal One is a tederalre regmered servo mat ETC 08 Mliot Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. • Don't staple or paper dip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123847 CaPitajOne V ai2 of 2 Customer Smite www.capitalone.com Platinum /Aastereard *IVBALANCE $42A5 MINIMUM PAYMENT $2t Account ending In MI DUEDATE Am12,2015 Previous Balance $90.85 Apr. 16 • May. 15, 2015 30 Days In Billing Cycle1 Credit Limit Available Credit Cash Advance Credit Umit Available Credit for Cash Advances: $200.00 $157.55 $100.00 $100.00 Payments and Credits Fees and Interest Cha ed $50.00 Transactions $0.00 New Balance $42.45 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total fees This Year Total Interest This veal $59.00 $13.50 EFTA00123848 Capital( w Pagel of 2 Customer Sennce www.capdalone.com Platinum MasterCard NEW BALANCE 521.22 Credit limit $200.00 MINIMUM PAYMENT 521.22 MASI PAY Al LE;ST NM AMOUNT Account ending in DUE DATE Jul 12, 2015 Cash Advance Credit Umit SI00.00 Available Credit: SI 78.78 Available Credit for Cash Advances: SI00.00 Previous Balance 512.45 - Payments and Credits 575.00 May.16 -Jun. IS, 2015 31 Days in Billing Cyde ] MINIMUM PAYMENT WARNING: liwomde arty to mritturnpamwtaachmecd.ru MI pay rrae in inwestard EMINke you begat b pay at rxr [date. Formai*: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Lennon Patted //GAY'S,: tl mu maid Ike armalco etas uedtcanseirg lI UM PAYMENT WARNING: tlwedhnotmceieyarnnmmpaynxetbyyordndde. wo may ta'e to pay a late ice dtm Fees and Interest Charged $20.40 New York residents may contact the New York State Oepartment of Anancial Services to obtain a comparative listing of aedit card rates, fees, and race rods. Contact the New YorkState Department of Finandal Services: or www.dfs.ny.gov. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS= 1 13 JUN Cap 1 DebitCardPhonePmt AuthDate 13-Jun ($75.00) TRANSACTIONS FOR PHIWP I WILLIAMS I= 1 15 MAY DUNKIN #338398 035110010NY 2 15 MAY SUNOCO 0007155517 OPSOROOKLYNNY Total for PtiiKip Milano M I 58.13 425.24 $33.37 ► To Transactions This Period 53327 FEES 1 12JUN PAST DUE FEE Total Fees This Period Transactions continue on page 2 519.00 519.00 Due Date 522 Transactions New Balance 533.37 Don't understand credit? That's because you've never had a teacher like this: capitalone.com/financialeducation Check it out on your schedule, 24/7. ( 52122 ) 300014-C INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate Purchases 22.90% P 571.72 Cash Advances 24.90% P S0.00 P,L,D,F = Venable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVVVW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Jul12,2015 Account ending in New Balance Minimum Payment $2122 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 $2122 PLEASE PAY AT LEAST THIS AMOUNT 1 Amount Enclosed 51.40 $0.00 LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123849 OM if How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent 10f ad:Wont inlormateer. Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each BlIrg Cyde if your account is subject Wan IntereStChowe. Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new innsan• I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that segment as d that day. The fall is the daily balance fa each secant However, d your waren statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are not added to the dal), balance. 2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. 3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant. (ci each seven, byte daly pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered Charge fa the Biting Cyde. NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge eau* assessed. How can my Veda* APR Mame? Your APR may increase or decrease based on one of the folbaing reported Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code on their:ace/01s statement men to yds/Wrest then there theatrebelow: Code neat to your NW) How do we calculate your APR%) Indes + margin (previously disclosed to you) When yew APHIS) will change P L Prim Rate + °Inn 3 mooch LIBOR + raters The frst day of the Ming Cycles that and in Ian, Apt lure and Oa. 0 F POT* Rate + outgo I nreath LIBOR + (Arun The lady/of each Biting Cyde How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost moora How do I Make Pummels? You may mate you 0.ayMert 0 several ways: I. Onine and kwgng into jour account 2. Capital One Mobile Banking app for apt:toted electronic derma 3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid loloareg the sae Foram 4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour rtptieMECNO 5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your account inkrmadon. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink How do you Process Payments? Vita you make a garment, you authara us to inkilte an ACM of ekatonc payment that MI be debited ken your hark account or other related account. When you provide a check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment Wheaten emcees IN Friplenta For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm Et for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet (am may nit be uedoed as of theday to meve0ern. How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with 'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your StdteatteM mite IC us at Capital he P.O. Boa 30285 Sail Lake City. UT 84130-0285 In your tele, gve us thekilning irionsidon: Amount Warman: Your name and a WI emettl. Dela( amain: The dotal aura cl the suspected mot Ifireogrica of Ftobkm: a you think there is an erns en you bit, describe what you betere is wrong and wey you belere it 6 a mistake. You must contact us within 60days after the ern appeared on you( statement You must notify us of any potential errors in sating. You may call us a may us elearonalre but it you do we are not lectured WinveStwite any potential with and you may hint to pay the stoat n question. We wil nadir you in writs% settin 30 dare dour (eta of your letter. While we antifreeze whether or not therehas been an emit the laboring aretrues We arra try to corer the recut in question, a report you as deinquem on that amount The dung. in question may remain on year summons and we may contra to charge you Otefeit on that amount. But, it she determine that we made a (result, you Vin net have to pay the awn in question 01 any interest Or ether lees related to Ow WOOL While you do ra have to pay the amount in question until at MO you a nonce about the outcome of as you are imp:amble fate remander 01 tow balance. Wean apply errs unpaid amount aging your credo Unit Within %days Mow recta of you lute, we sal Send you a written Wee exptinkw ether that we corrected the error go appear on your eta statement) or the ream we believe the Oil is correct. Your Rights If You Are Dissatisfied With Your Pun :base: If you are dawdled wth the goods or services that you have purchased with your Credt card, and you have tried in good faith to correct the problem with the merchant you may ham the fight not to pay tie retaining amount due on the purchase. To use this rite, the (rebaing ups be we: I) You must have used your credo mad (a the purchase. Dachas.' made wth cash ethances from an ATM a %riga dad that accesses your Credt adamant &roar:to:lib/. and 2) You must not yet have luly paid kr the phase. II al cl the aterei above are met and you are soil desrestred with the pschase, contact us in twang at Capital One P.O. Box 30285 Sail Lake City, UT 84130-0285 YAMle se inseidgate, the same rules apply to tie disputed amount as dsoesed above. Ake( we finish our investigation, we wit all you OfsdecMco. At that poink il we think you owe an amount and you do not pay we may report you as Cancan rt 2015 caper One. Copal One is a tederalre regmered servo mat ETC 08 Mliot Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. • Don't staple or paper dip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123850 Capitaiale Pa 2 of 2 Customer Service www.capitalone.com May.16 -Jun.15, 2015 31 Days In Billing Cyde ] Credit Limit S200.00 Platinum MasterCard Account ending in Available Credit $178.78 NE? BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Umit $100.00 Il $2122 82122 Jul12,2015 Available Credit for Cash Advances: $100.00 Previous Balance $42.45 Payments and Credits Fees and Interest Cha ed $75.00 Transactions $33.37 New Balance $21.22 TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PURCHASES S1.40 Total Interest This Period S1.40 TOTALS YEAR TO DATE Total fees This Year S78.00 Total Interest This Year S14.90 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123851 Capitalaw Page 1 of 2 Customer Same www.capitalone.com Jun.16 - Jul. 15, 2015 30 Days in Ming Cyde 1 MINIMUM PAYMENT WAPJANG: E)numdeortyPzrmirumpetmateachpedod.yau MI pay rrae in ixereslaxl Mode yau bnperb pay oT rxr tcirce. Forexatoe: Platinum MasterCard Account ending in'. Payment Amount Each Period It No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges An Made Statement Balance Total Cost $77.54 $25.00 :!.••• Aug 12,2015 Wren Patted tl yar mark! lientrmalco Saxe creel =mare antes. cala Sal PLEASE PAY AT Lair TinSAIMINT LATE PAYMENT WARNING: Boman natrecaoymrnnnunpeyrterabypedede, Credit Unit $200.00 Cash Advance Credit Umit $100.00 mu rreytesem pay a late ke caw eaSIRCO Available Credit: 5122.46 Available Credit for Cash Advances: $100.00 Previous Balance Payments and Credits Fees and Interest Charged $21.22 ( $50.00 ) $0.50 ) Transactions New Balance $105.82 New York residents may contact the New York State Oepanment of Anancial Services to obtain a comparative listing of oedit card rates, fees, and race riods. Contact New York State Department of Finandal Services: or rinow.d5.ny.gOv. the TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 13 JUL Cap 1 FlectronicPhonePmtAuthDate 124UL (550.00) TRANSACTIONS FOR PHIWP I WILLIAMS I= 1 18 JUN SPEEDWAY 076551ERIGIONY $20.14 2 20JUN POPEAS CHIKCENBROOKLYNNY $20.68 3 22 JUN QUEENS BL FILL N WQ39LONG ISLAND CNY $13.00 4 24 JUN MTA BRIDGES AND TUNNUNEW YORKNY $32.00 5 13 JUL QUEENS BL FILL If WQ39LONG ISLAND CNY $20.00 Total for Phillip I William= $105.82 ► ToldllyedicrelNePalod $105.82 FEES Transactions continue on page 2 Due Date Aug 12,2015 $77.54 J YOU ARE HERE. WE ARE TOO. Check your balance directly from your phone and: P View recent transactions P Pay your Capital One.' bill P Check your rewards balance Go to m.capitaione.com on your mobile device and manage your account at the speed of you. 303029{ INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to interest Rate interest Charge Purchases Cash Advances 22.90% P 24.90% P $19.29 $0.00 $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in New Balance Minimum Payment Amount Enclosed $77.54 $25.00 -)( PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 PLEASE PAY AT LEAST THIS AMOUNT LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400322 Capital One Bank flISA). N.A. P.0. Box 71063 Charlotte. NC 28272-1083 EFTA00123852 OM if How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent 10f ad:Wont inlormateer. Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each BlIrg Cyde if your account is subject Wan IntereStChowe. Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new innsan• I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that segment as d that day. The fall is the daily balance fa each secant However, d your waren statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are not added to the dal), balance. 2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. 3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant. (ci each seven, byte daly pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered Charge fa the Biting Cyde. NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge eau* assessed. How can my Veda* APR Mame? Your APR may increase or decrease based on one of the folbaing reported Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code on their:ace/01s statement men to yds/Wrest then there theatrebelow: Code neat to your NW) How do we calculate your APR%) Indes + margin (previously disclosed to you) When yew APHIS) will change P L Prim Rate + °Inn 3 mooch LIBOR + raters The frst day of the Ming Cycles that and in Ian, Apt lure and Oa. 0 F POT* Rate + outgo I nreath LIBOR + (Arun The lady/of each Biting Cyde How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost moora How do I Make Pummels? You may mate you 0.ayMert 0 several ways: I. Onine and kwgng into jour account 2. Capital One Mobile Banking app for apt:toted electronic derma 3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid loloareg the sae Foram 4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour rtptieMECNO 5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your account inkrmadon. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink How do you Process Payments? Vita you make a garment, you authara us to inkilte an ACM of ekatonc payment that MI be debited ken your hark account or other related account. When you provide a check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment Wheaten emcees IN Friplenta For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm Et for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet (am may nit be uedoed as of theday to meve0ern. How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with 'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your StdteatteM mite IC us at Capital he P.O. Boa 30285 Sail Lake City. UT 84130-0285 In your tele, gve us thekilning irionsidon: Amount Warman: Your name and a WI emettl. Dela( amain: The dotal aura cl the suspected mot Ifireogrica of Ftobkm: a you think there is an erns en you bit, describe what you betere is wrong and wey you belere it 6 a mistake. You must contact us within 60days after the ern appeared on you( statement You must notify us of any potential errors in sating. You may call us a may us elearonalre but it you do we are not lectured WinveStwite any potential with and you may hint to pay the stoat n question. We wil nadir you in writs% settin 30 dare dour (eta of your letter. While we antifreeze whether or not therehas been an emit the laboring aretrues We arra try to corer the recut in question, a report you as deinquem on that amount The dung. in question may remain on year summons and we may contra to charge you Otefeit on that amount. But, it she determine that we made a (result, you Vin net have to pay the awn in question 01 any interest Or ether lees related to Ow WOOL While you do ra have to pay the amount in question until at MO you a nonce about the outcome of as you are imp:amble fate remander 01 tow balance. Wean apply errs unpaid amount aging your credo Unit Within %days Mow recta of you lute, we sal Send you a written Wee exptinkw ether that we corrected the error go appear on your eta statement) or the ream we believe the Oil is correct. Your Rights If You Are Dissatisfied With Your Pun :base: If you are dawdled wth the goods or services that you have purchased with your Credt card, and you have tried in good faith to correct the problem with the merchant you may ham the fight not to pay tie retaining amount due on the purchase. To use this rite, the (rebaing ups be we: I) You must have used your credo mad (a the purchase. Dachas.' made wth cash ethances from an ATM a %riga dad that accesses your Credt adamant &roar:to:lib/. and 2) You must not yet have luly paid kr the phase. II al cl the aterei above are met and you are soil desrestred with the pschase, contact us in twang at Capital One P.O. Box 30285 Sail Lake City, UT 84130-0285 YAMle se inseidgate, the same rules apply to tie disputed amount as dsoesed above. Ake( we finish our investigation, we wit all you OfsdecMco. At that poink il we think you owe an amount and you do not pay we may report you as Cancan rt 2015 caper One. Copal One is a tederalre regmered servo mat ETC 08 Mliot Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. • Don't staple or paper dip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123853 Capital Page2of 2 Customer Santa www.capilaione.com Platinum MasterCard NEIVReLLANCE Il $7734 Previous Balance S21.22 MINIMUM PAYMENT $25.00 Payments and Credits Account ending kilEl DUEDATE Aug 12, 2015 550.00 1 1 Jun. 16 - Jul. IS, 2015 30 Days in Billing Cyde ] Credit Limit S200.00 Available Credit $122.46 Cash Advance Credit Umit $100.00 Available Credit for Cash Advances: $100.00 Transactions $105.82 New Balance S77.54 TRANSACTIONS CONTINUED FEES (CONTINUED) I I S JUL MINIMUM INTEREST CHARGE S0.50 Total Fees TM Period S0.50 INTEREST CHARGED Total Interest This Period S0.00 TOTALS YEAR TO DATE Total Fees TM Year 578.50 Total Interest This Year $14.90 EFTA00123854 Capitay)fle Pagel of 2 Customer Service www.capdalone.com Platinum MasterCard NBVELALANCE MINIMUM PAYMENT 5151.28 525.00 Credit Limit $200.00 Available Credit: $48.72 PICAS( PAY Al LEAST OnS MOUNT Account ending in DUE DATE Sep 12, 2015 Cash Advance Credit Umit $100.00 Available Credit for Cash Advances: $48.72 Previous Balance Payments and Credits $77.54 J - L $119.00 Jul. 16 -Aug. IS, 2015 31 Days in Billing Cyde1 MINIMUM PAYMENT WARNING: Il)nunuleortythernirinunpapeleathpesad.you oil pay rrae irccoastsrd EMI take you toperb pay cdpxr totem. Forman*: Payment Amount Each Period It No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Alarm Pamert 8 licsthN) tl oamoidiPanymarcn aos.r. MCI( CO.rezirg sences. cal I LATE PAYMENT WARNING: r no do nct recerk yes nuurun parse by ynclactle. )a way haat, pay a late Re alto Mtn Sled Fees and Interest Charged + $3.24 J Transactions $189.50 New Balance $151.28 New York residents may contact the New York State Department of Anancial Services to obtain a comparative listing of oedit card rates, fees, and race New York State Department of Finandal Services: nods. Contact the or www.dfs.ny.gov. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 12 JUN PAST OUE FEE ADJUSTMENTNT ($19.00) 2 23 JUL Cap 1 DebitCardPhonePmt AtithDate 22-Jul ($50.00) 3 13 AUG Cap 1 OebitCardPhonePmt AuthDate 12-Aug ($50.00) TRANSACTIONS FOR PHIWP I WILLIAMS 1 13 JUL Rtn ElearonicPhonePmt 550.00 2 15 JUL DUNKIN #338398 035JESIJCHONY $30.68 3 22 JUL DUNKIN #304160 035UNIONDAIENY $20.03 4 24 JUL SNAPPY'S SOSCLEARFIELDPA $45.00 5 28 JUL SUNOCO 0007155517 QPSBROOIONNY $25.01 6 28 JUL MCDONAUYS F10528NEVY YORKIA, $12.60 7 29 JUL MCDONAUYS F3835NEW YORKNY $6.18 Total for Phillip I arnsMI $189.50 Transactions continue on page 2 Due Date Its easy to set up your FREE account alerts: First, "Log In" to Online Banking. Next, sign up by: 1. Clicking "Messaging and Alerts" 2. Clicking "Set Alerts" 3. Choosing the free alerts you'd like to receive Your wrier may charge a lee for each text message alert you receive. 300007< INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge Purdiases Cash Advances 22.90% P 24.90% P $161.99 $0.00 $3.15 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Scp12,2M5 1 Account ending in New Balance Minimum Payment $15128 ) C $25.00 PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Amowqii!doscu LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 28272-1083 .11.1.111.11--11111111.1111 EFTA00123855 OM if How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent 10f ad:Wont inlormateer. Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each BlIrg Cyde if your account is subject Wan IntereStChowe. Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new innsan• I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that segment as d that day. The fall is the daily balance fa each secant However, d your waren statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are not added to the dal), balance. 2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. 3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant. (ci each seven, byte daly pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered Charge fa the Biting Cyde. NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge eau* assessed. How can my Veda* APR Mame? Your APR may increase or decrease based on one of the folbaing reported Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code on their:ace/01s statement men to yds/Wrest then there theatrebelow: Code neat to your NW) How do we calculate your APR%) Indes + margin (previously disclosed to you) When yew APHIS) will change P L Prim Rate + °Inn 3 mooch LIBOR + raters The frst day of the Ming Cycles that and in Ian, Apt lure and Oa. 0 F POT* Rate + outgo I nreath LIBOR + (Arun The lady/of each Biting Cyde How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost moora How do I Make Pummels? You may mate you 0.ayMert 0 several ways: I. Onine and kwgng into jour account 2. Capital One Mobile Banking app for apt:toted electronic derma 3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid loloareg the sae Foram 4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour rtptieMECNO 5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your account inkrmadon. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink How do you Process Payments? Vita you make a garment, you authara us to inkilte an ACM of ekatonc payment that MI be debited ken your hark account or other related account. When you provide a check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment Wheaten emcees IN Friplenta For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm Et for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet (am may nit be uedoed as of theday to meve0ern. How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with 'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your StdteatteM mite IC us at Capital he P.O. Boa 30285 Sail Lake City. UT 84130-0285 In your tele, gve us thekilning irionsidon: Amount Warman: Your name and a WI emettl. Dela( amain: The dotal aura cl the suspected mot Ifireogrica of Ftobkm: a you think there is an erns en you bit, describe what you betere is wrong and wey you belere it 6 a mistake. You must contact us within 60days after the ern appeared on you( statement You must notify us of any potential errors in sating. You may call us a may us elearonalre but it you do we are not lectured WinveStwite any potential with and you may hint to pay the stoat n question. We wil nadir you in writs% settin 30 dare dour (eta of your letter. While we antifreeze whether or not therehas been an emit the laboring aretrues We arra try to corer the recut in question, a report you as deinquem on that amount The dung. in question may remain on year summons and we may contra to charge you Otefeit on that amount. But, it she determine that we made a (result, you Vin net have to pay the awn in question 01 any interest Or ether lees related to Ow WOOL While you do ra have to pay the amount in question until at MO you a nonce about the outcome of as you are imp:amble fate remander 01 tow balance. Wean apply errs unpaid amount aging your credo Unit Within %days Mow recta of you lute, we sal Send you a written Wee exptinkw ether that we corrected the error go appear on your eta statement) or the ream we believe the Oil is correct. Your Rights If You Are Dissatisfied With Your Pun :base: If you are dawdled wth the goods or services that you have purchased with your Credt card, and you have tried in good faith to correct the problem with the merchant you may ham the fight not to pay tie retaining amount due on the purchase. To use this rite, the (rebaing ups be we: I) You must have used your credo mad (a the purchase. Dachas.' made wth cash ethances from an ATM a %riga dad that accesses your Credt adamant &roar:to:lib/. and 2) You must not yet have luly paid kr the phase. II al cl the aterei above are met and you are soil desrestred with the pschase, contact us in twang at Capital One P.O. Box 30285 Sail Lake City, UT 84130-0285 YAMle se inseidgate, the same rules apply to tie disputed amount as dsoesed above. Ake( we finish our investigation, we wit all you OfsdecMco. At that poink il we think you owe an amount and you do not pay we may report you as Cancan rt 2015 caper One. Copal One is a tederalre regmered servo mat ETC 08 Mliot Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. • Don't staple or paper dip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123856 CapstalOne Page2of 2 Customer Service www.capitalone.com Jul 16 - Aug.15, 2015 31 Days in Riling Cyde 1 Credit Limit 5200.00 Platinum MasterCard Account ending In Available Credit $48.72 WY BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit 5100.00 $151.28 Ea® sep12,2ms Available Credit for Cash Advances: 5413.72 Previous Balance $7734 Payments and Credits Fees and Interest Cha ed $119.00 Transactions New Balance 516•930 c 5151.28 (TRANSACTIONS CONTINUED ► TolalTireaellonslhls Period $189.50 FEES Total fees Tha Period S0.00 INTEREST CHARGED INTEREST CHARGE ADJUSTMENT 50.09 INTEREST CHARGE:PURCHASES 53.15 Total Interest This Period 53.10 TOTALS YEAR TO DATE Total Fees This Year 559.50 Total Interest !Ns Year 518.10 EFTA00123857 CaptO Page to, 3 Customer Senn% www.capitalone.com Platinum MasterCard PEWBALANCE 5190.74 MINIMUM PAYMENT 551.00 PLEASE PAY AT LEAST TIM MOUNT Account ending in MI DUE DATE Oct 12,2015 Credit Limit $200.00 Available Credit: 59.26 Previous Balance $151.28 Cash Advance Credit Umit 5100.00 Available Credit for Cash Advances: 59.26 Payments and Credits Sem Aug. 16 • Sep. 15, 2015 31 Days in Billing Cyde ] MINIMUM PAYMENT WARNING: Ilyounamortytherriturnpamorteadipend. mu MI pay we Weesta4 nil We mu bmarb pay cdp.r tcirce. FotexatOe: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges An Made Statement Balance Total Cost Marco Paprert mmoirithentemercn anzacreitcetrodroomicaLail LATE PAYMENT WARNING: Bwedonelecaeyarninunpapalbyyarduechle. pau way haem pay a We to dtp eaSI910. Fees and Interest Charged $22.35 for questions about this account. please give us a call at 1-SO0-955-6600. well be glad to help you Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. New York residents may contact the New York State Department of financial Services to obtain a comparative listing of credit card rates, fees, and race clods. Contact the New YorkState Department of Finandal Services: or www.dfs.ny.gov. (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS TRANSACTIONS FOR PHIWP I WIWAMS 1 15 AUG NEWSUNK 8102A NMAYMIAM Total tor Peek IVAIhrits= PP TetdTareacionsINsPolod $17.11 $17.11 FEES 1 12 SEP PAST DUE FEE $19.00 Total Fees This Period $19.00 Transactions continue on page 2 Due Date Transactions Si,.'' New Balance $190.74 Help is available Avoid missing future payments by setting up free, customizable account alerts. Enroll in online banking or log into your account at capitalone.com INTEREST CHARGE CALCULATION 3C0O4S Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge Purchases Cash Advances 22.90% P 24.90% P $172.43 S0.00 $3.35 50.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Oct 12,2015 1 Account ending in - New Balance Minimum Payment Amount Enclosed $190.74 $51.00 PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Take Advantage. Take Control. Manage your account online at www.capitalone.com • Set up account alerts • Review account information • Manage your account in privacy 403320 Capital One Bank MA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123858 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been paying your mount in lull wth no Interest Charges. but then you do not pay your nit Nen Patrice in ben we will (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement lot addbonal inbraxim. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Bing Cytie if 'out account is subject loan Interest Change. Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the Bang Cycle. 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge aaualy assessed. Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code on the km cd ths summed net to yes Wen check the table below. Code next to yew APRs) P D coda Now do we calculate your APRs)? + margin (previously d'udosed to you) Fyne Rate + urge 3 man LMOR + nucgn When yaw Antis) will change The first day of the Ming Cycles that end in lanslip61 July, and 0G. The int day of each Biting Cycle. Pen* Rine + I month U8OR + nuoyn Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you mco.a. Now do I Make Payments? You nay mire your payment in seven ways: I. Di:lineand kiggng into your account. 2. Captal One Motile Barking app kr approved dentingMikes; 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and Mowng the voce prompts; Ctil the te hone n bet lend n the boa of ths latorent and id intimation to our • eV u Pith kg your ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a electronic payment that yell be debited ken your hank account or other related account. When you provide a check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. finismay be ohne" born four bank account as soon as the sarre day we process your payment. WSW wIllthou Credit *Payments Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 statement and your check to the mood address an the front et this statement Please stow at least 171 business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, (am may not be credted as of the day we (*CM. Dens. Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Iowa APRs. tiling Rights Summary (Pees oral etppi) to Sonde itcanect Arrountg What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your summits, wag to us at Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 In your leder, wse us the kilormg Sensation: Account "notion: Your name and accost roster. DOlafaMtha: The dolor amine( the suspectedMt Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an error, the boning are true. We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we determine that we made a migalt you wit not have to pay the non in question or any interest or other lees related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the Mixing met be mix 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a whh a check that accesses your (reit cardaux" drat quality, and 2y You must not yet hoe luty paid kr thepsalm.. II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we may report you as dein:Nem. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. ITC08 OR'IA'15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123859 CapitalOne Customer Sava www.capitalone.com Platinum MasterCard NEW BALANCE Il $190.74 MINIMUM PAYMENT $51.00 Previous Balance $151.28 Account ending in III DUE DATE Oct 12,2015 Aug. 16 - Sep. IS, 2015 31 Days in Billing Cyde ] Credit Limit 5200.00 Available Credit 39.26 Cash Advance Credit Limit 5100.00 Available Credit for Cash Advances: $9.26 Payments and Credits Fees and Interest ed $0.00 Transactions 517.11 New Balance $190.74 TRANSACTIONS CONTINUED MEREST CHARGED INTEREST CHARGE:PURCHASES 53.35 Total Interest This Period 53.35 TOTALS YEAR TO DATE Total fees This Year 578.50 Total Interest This Year 521.49 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123860 Rev. 07/2015 201213 CapitalOrie FACTS WHAT DOES CAPITAL ONE® DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number and income • Account balances and payment history • Account transactions and credit card or other debt All financial companies need to share customers' personal information to run their everyday How? business. In the section below, we list the reasons financial companies can share their customers' personal information: the reasons Capital One chooses to share; and whether you can limit this sharing. Reasons we can share your personal information For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Does Capital One share? YES Can you limit this sharing? NO For our marketing purposes — to offer our products and services to you YES NO For joint marketing with other financial companies YES NO For our affiliates' everyday business purposes — information about your transactions and experiences YES NO For our affiliates' everyday business purposes — information about your creditworthiness YES YES For our affiliates to market to you YES YES For nonaffiliates to market to you YES YES To limit our sharing ■ Call us toll free: 1-888-817-2970 — our menu will prompt you th ough your choices. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Go to www.caoitalone.com/contactus OID:17697 Please Recycle EFTA00123861 Page 2 Who we are Who is providing this notice? Our affiliates include financial companies with the Capital One. Chevy Chase, Onyx. and Greenpoint names, such as Capital One Bank (USA). National Association; and Capital One, National Association. What we do How does Capital One protect my personal information? To protect your personal information from unauthorized access and use. we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does Capital One collect my personal information? We collect your personal information, for example, when you • Open an account or deposit money ■ Pay your bills or apply for a loan • Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can't I limit all sharing? Federal law gives you the right to limit only • Sharing for affiliates' everyday business purposes — information about your creditworthiness • Affiliates from using your information to market to you ■ Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include financial companies with the Capital One. Chevy Chase, Onyx, and Greenpoint names, such as Capital One Bank (USA), National Association; and Capital One, National Association. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. ■ Nonaffiliates we share with can include insurance companies, service providers, co-branded partners, retailers, data processors, and advertisers. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include companies such as other banks and insurance companies. Other important information CA and VT Residents: We will not share everyday business purposes, for marketing VT Residents only: We will not disclose companies except as required or permitted NV Residents: Notice provided pursuant 1-888-817-2970. If you would like more Capital One, P.O. Box 30285. Salt Lake Nevada law, contact Bureau of Consumer St., Suite 3900, Las Vegas, NV 89101; Telephone Communications: All telephone or recorded. your information with companies outside of Capital One, except for our our products and services to you, or with your consent. credit information about you within or outside the Capital One family of by law. to state law. To be placed on our intemal Do Not Call List, call information about telemarketing practices, you may contact us at City, UT 84130-0286 nr wehinfn@capitalone.com. For more on this Protection, Office of the Nevada Attorney General, 555 E. Washington Phone number: 1-702-486-3132; e-mBit. BC:PINFiVaci gimp nv us communications with us or our authorized agents may be monitored 2015 Capital One. Capital One is a federally registered service mark. All rights reserved. EFTA00123862 Capital(? Page 1 of 2 Customer Same www.capdalone.com Platinum MasterCard FEW BALANCE 5172.96 MINIMUM PAYMENT $25.00 PLUM PAY AT LEAST DinemOuNT Credit Limit $200.00 Available Credit: $27.04 Available Credit for Cash Advances: $27.04 Account ending in- DUE DATE Nov 12, 2015 Previous Balance L. $19034 j Cash Advance Credit Umit SI00.00 Payments and Credits S100.00 j + Sep. 16 -Oa 15, 2015 30 Days in Bill® Cyde 1 MINIMUM PAYMENT MAIMING: Il)namde orty niniturnpapTerseadtpaod. pi MI pay rue in ircereslard EMI take mu bnperb pay ol [date. For exams*: Payment Amount Each Peilod If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost tantrum Pmenert yormxid liestemalco &cm ceitcculadig semi:etc:EA a LATE PAYMENT WARNING: Itwocb ma memo ycurrmyrun payment by yoydues pu troy Patti pay elate lee alto toSI9tO 9Mashy) Vets Fees and Interest Charged $2.97 + Transactions $79.25 New Balance $172.96 New York residents may contact the New York State Department of kennel Services to obtain a comparative listing of oedit card rates, fees, and race Sods. Contact New YorkState Department of f inandal Services: or www.dfs.ny.gov. the TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 26 SEP Cap 1 DebitCardPhonePrntAuthDate 26-Sep (1100.00) TRANSACTIONS FOR PIIIWP I WIWAMS l= 1 29 SP USPS 350989034359109758ROOKLYNNY $833 2 29 SEP NYCOOT PARKING METERSLONG IS OTYNY $4.00 3 30 SEP NYCOOT PARKING METERSLONG IS OTYNY $4.00 4 02 OCT NYCDOT PARKING METEPSLONG IS CITYNY $4.00 5 04 OCT CHINA NEW STAR REST.BROOKLYNNY $26.62 6 06 OCT WALDBAUM'S #70240BROOKLYNNY $23.77 7 06 OCT 45 DEU MARKETNEW YORKNY $8.53 Total for Phdlp I Williams- $79.25 le Total Transactions This Period $79.25 L Transactions continue on page 2 Due Date Nov 12,2015 Its easy to set up your FREE account alerts: First, "log In" to Online Banking. Next, sign up by: 1. Clang "Messaging and Alerts" 2. Clicking "Set Alerts" 3. Choosing the free alerts you'd like to receive Your carrier may charge a lee for each texi message alert you receive. 300007-C INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Type of Balance Annual Percentage Rate (APft) Balance Subject to Interest Rate Interest Charge Purchases Cash Advances 22.90% P 24.90% P 5157.94 50.00 $2.97 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVWW.CAP1TALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in - New Balance Minimum Payment Amount Enrlo,, u ( $172.96 $25.00 7 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 PLEASE PAY AT LEAST THIS AMOUNT LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 l" I EFTA00123863 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been paying your mount in lull wth no Interest Charges. but then you do not pay your nit Nen Patrice in ben we will (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement lot addbonal inbraxim. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Bing Cytie if 'out account is subject loan Interest Change. Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the Bang Cycle. 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge aaualy assessed. Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code on the km cd ths summed net to yes Wen check the table below. Code next to yew APRs) P D coda Now do we calculate your APRs)? + margin (previously d'udosed to you) Fyne Rate + urge 3 man LMOR + nucgn When yaw Antis) will change The first day of the Ming Cycles that end in lanslip61 July, and 0G. The int day of each Biting Cycle. Pen* Rine + I month U8OR + nuoyn Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you mco.a. Now do I Make Payments? You nay mire your payment in seven ways: I. Di:lineand kiggng into your account. 2. Captal One Motile Barking app kr approved dentingMikes; 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and Mowng the voce prompts; Ctil the te hone n bet lend n the boa of ths latorent and id intimation to our • eV u Pith kg your ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a electronic payment that yell be debited ken your hank account or other related account. When you provide a check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. finismay be ohne" born four bank account as soon as the sarre day we process your payment. WSW wIllthou Credit *Payments Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 statement and your check to the mood address an the front et this statement Please stow at least 171 business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, (am may not be credted as of the day we (*CM. Dens. Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Iowa APRs. tiling Rights Summary (Pees oral etppi) to Sonde itcanect Arrountg What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your summits, wag to us at Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 In your leder, wse us the kilormg Sensation: Account "notion: Your name and accost roster. DOlafaMtha: The dolor amine( the suspectedMt Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an error, the boning are true. We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we determine that we made a migalt you wit not have to pay the non in question or any interest or other lees related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the Mixing met be mix 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a whh a check that accesses your (reit cardaux" drat quality, and 2y You must not yet hoe luty paid kr thepsalm.. II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we may report you as dein:Nem. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. ITC08 OR'IA'15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123864 Capitafdde Pa e 2 of 2 Customer Seem www.capitalone.com Sep. 16 .Ott. IS, 2015 30 Days in Riling Cyde Credit Limit $200.00 Platinum MasterCard Account ending In Available Credit $27.04 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Unit $100.00 Il $17296 $25.00 Nov 12, 2015 Available Credit for Cash Advances: $27.04 Previous Balance $190.74 Payments and Credits $100.00 Transactions New Balance $79.25 $172.96 TRANSACTIONS CONTINUED FEES Total Fees This Period $0.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES 52.97 Total Interest This Period 52.97 TOTALS YEAR TO DATE Total fees This Year S78.50 Total Interest This Year $24.46 EFTA00123865 Capita)One Page 1 of 2 Customer Sennee www.capdalone.com Platinum MasterCard PEW BALANCE S176.35 A«ount ending in MINIMUM PAYMENT DUE DATE $25.00 Dec 12,2015 PLEAS PAY AT Lair NM AA&UNT Credit Limit $200.00 Available Credit: $23.65 Previous Balance $172.96 Cash Advance Credit Umit S100.00 Available Credit for Cash Advances: $23.65 Payments and Credits $50.00 j 1 Oct. 16 - Nov. 15, 2015 31 Days In Riling Cyde MINIMUM PAYMENT WARNING: Ilwamde lytemritturnpamarleadtpsod. pi MI pay rue it itemslaxl nil oda mu boom poy oT )os tciance. Format*: Payment Amount Each Period It No Approximate Time to Pay ON Estimated Additional Charges Are Made Statement Balance Total Cost Wean Patted 911crtn 6193 prmatld Ike nirmalco Sas cloth ccutswg sewes cal a LATE PAYMENT WARNING: Condo root moue )cu- mnmin pantre by yar dad*. you way tam ato pay a late lee dtp b SACO Fees and Interest Charged $22.98 J + Transactions New Balance 530.41 5176.35 3 New York residents may contact the New York State Department of financial Services to obtain a comparative listing of credit card rates, fees, and race Sods. Contact New YorkState Department of Finandal SentiCeS: or www.dfs.ny.gov. the TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 14 NOV Payment received. Thank you! ($50.00) TRANSACTIONS FOR PHIWP I WILLMMS 1 14 OCT SUNOCO 0001155517 OPSBROOKLYNNY 320.08 2 16 ea POPEYES CHIKCENBROOKLYNNY $10.33 Total for PhMlp I William MI $30.41 ► Total Traneaceons Period $3OA1 FEES 12 NOV PAS1 DUE FEE $19.00 Total Fees This Period 319.00 Transactions continue on page 2 Due Date Dec 12,2015 It's easy to set up your FREE account alerts: First, "log In" to Online Banking. Next, sign up by: 1. Clicking "Messaging and Alerts" 2. Clicking "Set Alerts" 3. Choosing the free alerts you'd like to receive Your carrier may charge a fee for each text message alert you receive. T0000rc INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge Purchases Cash Advances 22.90% P 24.90% P $204.52 $0.00 53.98 50.00 P,L,D,1 = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVVVW.CAPiTAEONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in New Balance Minimum Payment Amount Enclosed $17635 $25.00 PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 II ' LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 111111' I" WTI" :: I I EFTA00123866 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been paying your mount in lull wth no Interest Charges. but then you do not pay your nit Nen Patrice in ben we will (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement lot addbonal inbraxim. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Bing Cytie if 'out account is subject loan Interest Change. Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the Bang Cycle. 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge aaualy assessed. Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code on the km cd ths summed net to yes Wen check the table below. Code next to yew APRs) P D coda Now do we calculate your APRs)? + margin (previously d'udosed to you) Fyne Rate + urge 3 man LMOR + nucgn When yaw Antis) will change The first day of the Ming Cycles that end in lanslip61 July, and 0G. The int day of each Biting Cycle. Pen* Rine + I month U8OR + nuoyn Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you mco.a. Now do I Make Payments? You nay mire your payment in seven ways: I. Di:lineand kiggng into your account. 2. Captal One Motile Barking app kr approved dentingMikes; 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and Mowng the voce prompts; Ctil the te hone n bet lend n the boa of ths latorent and id intimation to our • eV u Pith kg your ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a electronic payment that yell be debited ken your hank account or other related account. When you provide a check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. finismay be ohne" born four bank account as soon as the sarre day we process your payment. WSW wIllthou Credit *Payments Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 statement and your check to the mood address an the front et this statement Please stow at least 171 business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, (am may not be credted as of the day we (*CM. Dens. Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Iowa APRs. tiling Rights Summary (Pees oral etppi) to Sonde itcanect Arrountg What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your summits, wag to us at Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 In your leder, wse us the kilormg Sensation: Account "notion: Your name and accost roster. DOlafaMtha: The dolor amine( the suspectedMt Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an error, the boning are true. We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we determine that we made a migalt you wit not have to pay the non in question or any interest or other lees related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the Mixing met be mix 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a whh a check that accesses your (reit cardaux" drat quality, and 2y You must not yet hoe luty paid kr thepsalm.. II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we may report you as dein:Nem. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. ITC08 OR'IA'15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123867 Capitalinje Pa e 2 of 2 Customer Service www.capitalone.com 0ct. 16 - Nov. 15, 2015 31 Days in Billing Cycle 1 Credit Limit: 5200.00 Platinum MasterCard Account ending in Available Credit: $23.65 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit: 5100.00 $176.35 $25A0 Dee 12, MIS Available Credit for Cash Advances: $23.65 Previous Balance $172.96 Payments and Credits Fees and Interest Cha ed 550.00 Transactions 530.01 New Balance $17635 TRANSACTIONS CONTINUED MEREST CHARGED INTEREST CHARGE:PURCHASES 53.98 Total Interest This Period 53.98 TOTALS YEAR TO DATE Total fees This Year 597.50 Total Interest This Year S28.44 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123868 CapitalOne Customer Sant e www.capitalone.com Platinum MasterCard NBVBALANCE 6198.75 Credit Limit $200.00 Available Credit: 61.25 Previous Balance $176.35 j Account ending in MI MINIMUM PAYMENT DUE DATE $51.00 Jan 12, 2016 MAR PAY AT LEAST TH IS AtOUNT Cash Advance Credit Umit S100.00 Available Credit for Cash Advances: $1.25 Payments and Credits $0.00 Page1of 2 1. Nov.16 - Dec.15, 2015 30 Days in Billing Cycle MINIMUM PAYMENT WANING: lycumde arty he mritturnpmmyleactipaiod. mu MI pay rue in ixatislard End take Ku Womb pay oT rxr tcirce. ForexanWe: Payment Amount Each Period If No Approximate Time to Pay ON Estimated Additional Charges An Made Statement Balance Total Cost lArirun Payout 911aVs:. 5216 tl yormatklIke inkriratcn atos Beat cossare sevces. cal IS LATE PAYMENT WARNING: Iva Oo rarecei.e)oxnumut paymeitywyduedae. pm trey Fan pay a Late ke city SACO Fees and Interest Charged $22.40 + for questions about this account, please give us a call at 1-000.955.6600. Well be glad to he you Monday through friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. New York residents may contact the NewYork State Department of financial Services to obtain a comparative listing of aedit card rates, fees, and race nods. Contact the New YorkState Department of Financial Services: or www.dfs.ny.gov. (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I wr WAMS TRANSACTIONS FOR PHILLIP I WILLIAMS FEES 1 12 DEC PAM DUE FEE INTEREST CHARGED Transactions continue on page 2 $19.00 Total Fees This Period $19.00 civat Transactions $0.00 New Balance 5198.75 Help is available Avoid missing future payments by setting up free, customizable account alerts. Enroll in online banking or log into your account at capitalone.com INTEREST CHARGE CALCULATION 3COM ( Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate Purchases 22.90% P $180.49 Cash Advances 24.90% P S0.00 P,LD,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account ending in 1 $3.40 $0.00 Due Date New Balance Minimum Payment Amount Enclosed Take Advantage. Take Control. Jan 12,2016 ) $198.75 $51.00 Manage your account online at www.capitalone.com PLEASE PAY AT LEAST THIS AMOUNT • Set up account alerts • Review account information PHILLIP I WILLIAMS • Manage your account in privacy •103320) BROOKLYN, NY 11234-4029 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123869 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been paying your mount in lull wth no Interest Charges. but then you do not pay your nit Nen Patrice in ben we will (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement lot addbonal inbraxim. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Bing Cytie if 'out account is subject loan Interest Change. Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the Bang Cycle. 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge aaualy assessed. Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code on the km cd ths summed net to yes Wen check the table below. Code next to yew APRs) P D coda Now do we calculate your APRs)? + margin (previously d'udosed to you) Fyne Rate + urge 3 man LMOR + nucgn When yaw Antis) will change The first day of the Ming Cycles that end in lanslip61 July, and 0G. The int day of each Biting Cycle. Pen* Rine + I month U8OR + nuoyn Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you mco.a. Now do I Make Payments? You nay mire your payment in seven ways: I. Di:lineand kiggng into your account. 2. Captal One Motile Barking app kr approved dentingMikes; 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and Mowng the voce prompts; Ctil the te hone n bet lend n the boa of ths latorent and id intimation to our • eV u Pith kg your ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a electronic payment that yell be debited ken your hank account or other related account. When you provide a check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. finismay be ohne" born four bank account as soon as the sarre day we process your payment. WSW wIllthou Credit *Payments Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 statement and your check to the mood address an the front et this statement Please stow at least 171 business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, (am may not be credted as of the day we (*CM. Dens. Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Iowa APRs. tiling Rights Summary (Pees oral etppi) to Sonde itcanect Arrountg What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your summits, wag to us at Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 In your leder, wse us the kilormg Sensation: Account "notion: Your name and accost roster. DOlafaMtha: The dolor amine( the suspectedMt Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an error, the boning are true. We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we determine that we made a migalt you wit not have to pay the non in question or any interest or other lees related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the Mixing met be mix 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a whh a check that accesses your (reit cardaux" drat quality, and 2y You must not yet hoe luty paid kr thepsalm.. II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we may report you as dein:Nem. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. ITC08 OR'IA'15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123870 CapitO Pa e2 of 2 Osstaner Service www.capitalone.com Platinum MasterCard NEW BALANCE Il $198.75 MINIMUM PAYMENT $51.00 Previous Balance $176.35 Account ending in- DUE DATE Jan 12. 2016 Nov. 16 - Der. 15, 2015 30 Days in Billing Cycles Credit Limit Available Credit Cash Advance Credit Umit: Available Credit for Cash Advances: $200.00 SI.25 $100.00 SI.25 Payments and Credits Fees and Interest ed $0.00 Transactions $0.00 New Balance I 5198.75 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES S3.40 Total Interest This Period S3.40 TOTALS YEAR TO DATE Total fees This Year $116.50 Total Interest This Year $31.84 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123871 CapitalOne Page 1 of 2 Customer Sconce wwwxapdalonetom Platinum MasterCard PEW BALANCE $177.59 Account ending inM MINIMUM PAYMENT DUE DATE $25.00 Feb 12. 2016 PLEAS( PAY Al LE;ST DAS AMOUNT Credit Limit $200.00 Available Credit: 522.41 Previous Balance $,..,s j — Cash Advance Credit Limit $100.00 Available Credit for Cash Advances: $22.41 Dec 16 - Jan. 15, 2016 31 Days in Bilk® Cyde 1 MINIMUM PAYMENT WARNING: Il)numde arty he mritturnpmmyleachpaiod. you et pay rue in riceslardEMINkemulangarb pay etrxr tciance. ForexaVe: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost lAntrunPapart glitch* 3194 tl munomikentrmaton ann. cmdl ccumarg sent:es. 4111 I LATE PAYMENT WARNING: Bwedorareaucp.rmnmmparerbyyordJecte. purrey haem pay a We ke dtp 019M Payments and Credits Fees and Interest Charged $60.00 + l $3.40 Transactions $35.44 New Balance $177.59 New York residents may contact the New York State Department of Anancial Services to obtain a comparative listing of °edit card rates, fees, and race rods. Contact New YorkState Department of f inandal Services: or www.dfs.ny.gov. the TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 18 DEC Payment received. Thank you! (S60.00) TRANSACTIONS FOR PHIWP I WILWUIAS 1 12 DEC BP00035311MARCY AVEOPSBROOKLYNNY 415.00 2 22 DEC THE UPS STORE 05412BROOKLYNNY S2.16 3 22 DEC FINE FARE9ROOKLYNNY 418.28 Total for Phillip I Williams.' $3544 10, TotalTrartactonsThIsPelod 535“0 FEES Total Fees This Period Transactions continue on page 2 S0.00 Due Date Always at your service... Pay your bill online and take advantage of these and other on-the-go services: • Capital One' text messaging • Card replacement • Travel notification Log into www.capitalone.com to take 300026-C advantage of these and other on-the-go services. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge Purchases Cash Advances 23.15% P 25.15% P $172.82 50.00 S3.40 50.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Feb 12, 2016 1 Account ending in New Balance Minimum Payment Amount Enclosed C $177.59 t $25.00 -1 `• PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123872 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been paying your mount in lull wth no Interest Charges. but then you do not pay your nit Nen Patrice in ben we will (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement lot addbonal inbraxim. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Bing Cytie if 'out account is subject loan Interest Change. Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the Bang Cycle. 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge aaualy assessed. Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code on the km cd ths summed net to yes Wen check the table below. Code next to yew APRs) P D coda Now do we calculate your APRs)? + margin (previously d'udosed to you) Fyne Rate + urge 3 man LMOR + nucgn When yaw Antis) will change The first day of the Ming Cycles that end in lanslip61 July, and 0G. The int day of each Biting Cycle. Pen* Rine + I month U8OR + nuoyn Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you mco.a. Now do I Make Payments? You nay mire your payment in seven ways: I. Di:lineand kiggng into your account. 2. Captal One Motile Barking app kr approved dentingMikes; 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and Mowng the voce prompts; Ctil the te hone n bet lend n the boa of ths latorent and id intimation to our • eV u Pith kg your ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a electronic payment that yell be debited ken your hank account or other related account. When you provide a check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. finismay be ohne" born four bank account as soon as the sarre day we process your payment. WSW wIllthou Credit *Payments Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 statement and your check to the mood address an the front et this statement Please stow at least 171 business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, (am may not be credted as of the day we (*CM. Dens. Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Iowa APRs. tiling Rights Summary (Pees oral etppi) to Sonde itcanect Arrountg What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your summits, wag to us at Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 In your leder, wse us the kilormg Sensation: Account "notion: Your name and accost roster. DOlafaMtha: The dolor amine( the suspectedMt Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an error, the boning are true. We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we determine that we made a migalt you wit not have to pay the non in question or any interest or other lees related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the Mixing met be mix 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a whh a check that accesses your (reit cardaux" drat quality, and 2y You must not yet hoe luty paid kr thepsalm.. II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we may report you as dein:Nem. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. ITC08 OR'IA'15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123873 Capitalone Page2of 2 Customer Service www.capitalone.com Dec 16 - Jan. 15, 2016 31 Days in Bilkng Cyde Credit Limit: 5200.00 Platinum MasterCard Account ending in Available Credit 522.41 WY BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit 5100.00 Il 6177.59 626.00 Feb 12,2016 Available Credit for Cash Advances: 522.41 Previous Balance $196.75 Payments and Credits Fees and Interest Cha ed S60.00 Transactions $35.44 New Balance $177.59 ) TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period TOTALS YEAR TO DATE Total fees This Year Total Interest This Year 53.40 53.40 $0.00 53.40 EFTA00123874 CapitalOne Page 1 of 2 Customer Sconce wwwxapdalonetom Platinum MasterCard PEW BALANCE $177.59 Account ending inM MINIMUM PAYMENT DUE DATE $25.00 Feb 12. 2016 PLEAS( PAY Al LE;ST DAS AMOUNT Credit Limit $200.00 Available Credit: 522.41 Previous Balance $,..,s j — Cash Advance Credit Limit $100.00 Available Credit for Cash Advances: $22.41 Dec 16 - Jan. 15, 2016 31 Days in Bilk® Cyde 1 MINIMUM PAYMENT WARNING: Il)numde arty he mritturnpmmyleachpaiod. you et pay rue in riceslardEMINkemulangarb pay etrxr tciance. ForexaVe: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost lAntrunPapart glitch* 3194 tl munomikentrmaton ann. cmdl ccumarg sent:es. 4111 I LATE PAYMENT WARNING: Bwedorareaucp.rmnmmparerbyyordJecte. purrey haem pay a We ke dtp 019M Payments and Credits Fees and Interest Charged $60.00 + l $3.40 Transactions $35.44 New Balance $177.59 New York residents may contact the New York State Department of Anancial Services to obtain a comparative listing of °edit card rates, fees, and race rods. Contact New YorkState Department of f inandal Services: or www.dfs.ny.gov. the TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 18 DEC Payment received. Thank you! (S60.00) TRANSACTIONS FOR PHIWP I WILWUIAS 1 12 DEC BP00035311MARCY AVEOPSBROOKLYNNY 415.00 2 22 DEC THE UPS STORE 05412BROOKLYNNY S2.16 3 22 DEC FINE FARE9ROOKLYNNY 418.28 Total for Phillip I Williams.' $3544 10, TotalTrartactonsThIsPelod 535“0 FEES Total Fees This Period Transactions continue on page 2 S0.00 Due Date Always at your service... Pay your bill online and take advantage of these and other on-the-go services: • Capital One' text messaging • Card replacement • Travel notification Log into www.capitalone.com to take 300026-C advantage of these and other on-the-go services. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge Purchases Cash Advances 23.15% P 25.15% P $172.82 50.00 S3.40 50.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Feb 12, 2016 1 Account ending in New Balance Minimum Payment Amount Enclosed C $177.59 t $25.00 -1 `• PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123875 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been paying your mount in lull wth no Interest Charges. but then you do not pay your nit Nen Patrice in ben we will (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement lot addbonal inbraxim. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Bing Cytie if 'out account is subject loan Interest Change. Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the Bang Cycle. 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge aaualy assessed. Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code on the km cd ths summed net to yes Wen check the table below. Code next to yew APRs) P D coda Now do we calculate your APRs)? + margin (previously d'udosed to you) Fyne Rate + urge 3 man LMOR + nucgn When yaw Antis) will change The first day of the Ming Cycles that end in lanslip61 July, and 0G. The int day of each Biting Cycle. Pen* Rine + I month U8OR + nuoyn Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you mco.a. Now do I Make Payments? You nay mire your payment in seven ways: I. Di:lineand kiggng into your account. 2. Captal One Motile Barking app kr approved dentingMikes; 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and Mowng the voce prompts; Ctil the te hone n bet lend n the boa of ths latorent and id intimation to our • eV u Pith kg your ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a electronic payment that yell be debited ken your hank account or other related account. When you provide a check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. finismay be ohne" born four bank account as soon as the sarre day we process your payment. WSW wIllthou Credit *Payments Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 statement and your check to the mood address an the front et this statement Please stow at least 171 business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, (am may not be credted as of the day we (*CM. Dens. Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Iowa APRs. tiling Rights Summary (Pees oral etppi) to Sonde itcanect Arrountg What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your summits, wag to us at Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 In your leder, wse us the kilormg Sensation: Account "notion: Your name and accost roster. DOlafaMtha: The dolor amine( the suspectedMt Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an error, the boning are true. We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we determine that we made a migalt you wit not have to pay the non in question or any interest or other lees related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the Mixing met be mix 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a whh a check that accesses your (reit cardaux" drat quality, and 2y You must not yet hoe luty paid kr thepsalm.. II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we may report you as dein:Nem. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. ITC08 OR'IA'15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123876 Capitalone Page2of 2 Customer Service www.capitalone.com Dec 16 - Jan. 15, 2016 31 Days in Bilkng Cyde Credit Limit: 5200.00 Platinum MasterCard Account ending in Available Credit 522.41 WY BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit 5100.00 Il 6177.59 626.00 Feb 12,2016 Available Credit for Cash Advances: 522.41 Previous Balance $196.75 Payments and Credits Fees and Interest Cha ed S60.00 Transactions $35.44 New Balance $177.59 ) TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period TOTALS YEAR TO DATE Total fees This Year Total Interest This Year 53.40 53.40 $0.00 53.40 EFTA00123877 Page 1 of 2 CapitalM Customer &wee www.capdalone.com Platinum MasterCard PEWBALANCE $174.73 MINIMUM PAYMENT 62.800 :!.. PIDIM PAY AT LEAST Tx6 AIMINT Account ending in. DUE DATE Mar 12, 2016 Credit Limit $200.00 Available Credit: $25.27 Cash Advance Credit Umit $100.00 Available Credit for Cash Advances: $25.27 Jan. 16 - Feb. IS, 2016 31 Days In Biling Cyde MINIMUM PAYMENT WAIWING: Ilycomdeortytherrarompaymarteathpeioclycu MI pay rue iteraslaxl nil NM Imo Engerb pay cdpxr telarce. Foto:woe: Payment Amount Each Period If No Apploxlmate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Lennon Nygaard Ilya mud Ike etyma! on aoxe cedt comedic sante& cal a LATE PAYMENT WARNING: da recew your:Tinian macre te wyduecMe. rrey ham aa pay a We Ice atm taSI9C0 9IAxaM $191 Previous Balance Payments and Credits Fees and Interest Charged $17739 j $50.00 ) $3.15 ) Transactions $43.99 New York residents may contact the New York State Oepartment of financial Services to obtain a comparative listing of aedit card rates, fees, and race riods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Renewal Notice . Your 03/2016 til vAl indude your $29.00 amual membership fee. The reverse of this page explains how you may dose your account and avoid this fee. Both sides c4 this page provide important information about you rate(s) and how you interest charge is calculated. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS 1 21 JAN Payment received. Thank you! (125.00) 2 13 FEB Cap 1 DebitCardPhonePmt AuthDate 13.Feb (125.00) TRANSACTIONS FOR PHILLIP I WILLIAMS 1 13 FEB FAMILY DOLLAR it 6652BROOKLYNNY $15.68 2 13 FEB FINE FAREBROOKLYNNY $28.31 Total for PHILUP I WILUAREM $0199 ► TolalTureacIonsllisPalod $43.99 Transactions continue on page 2 Due Date New Balance $174.73 3 + MORE Credit cards are only part of the equation. Learn about all the ways we can serve your needs at capitalone.com. 300010-C INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge Purchases Cash Advances 23.15% P 25.15% P 5159.99 $0.00 S3.I 5 10.00 P,L0,1 = Variable Rate. See reverse of page 1 for derails PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in - New Balance Minimum Payment Amount Enclo u $25.00 Mar 12,2016 $174.73 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 PLEASE PAY AT LEAST THIS AMOUNT LESS WASTE! Since you haven't been sending your payments by mail for the past year, stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123878 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been paying your mount in lull wth no Interest Charges. but then you do not pay your nit Nen Patrice in ben we will (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement lot addbonal inbraxim. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Bing Cytie if 'out account is subject loan Interest Change. Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the Bang Cycle. 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge aaualy assessed. Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code on the km cd ths summed net to yes Wen check the table below. Code next to yew APRs) P D coda Now do we calculate your APRs)? + margin (previously d'udosed to you) Fyne Rate + urge 3 man LMOR + nucgn When yaw Antis) will change The first day of the Ming Cycles that end in lanslip61 July, and 0G. The int day of each Biting Cycle. Pen* Rine + I month U8OR + nuoyn Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you mco.a. Now do I Make Payments? You nay mire your payment in seven ways: I. Di:lineand kiggng into your account. 2. Captal One Motile Barking app kr approved dentingMikes; 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and Mowng the voce prompts; Ctil the te hone n bet lend n the boa of ths latorent and id intimation to our • eV u Pith kg your ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a electronic payment that yell be debited ken your hank account or other related account. When you provide a check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. finismay be ohne" born four bank account as soon as the sarre day we process your payment. WSW wIllthou Credit *Payments Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 statement and your check to the mood address an the front et this statement Please stow at least 171 business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, (am may not be credted as of the day we (*CM. Dens. Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Iowa APRs. tiling Rights Summary (Pees oral etppi) to Sonde itcanect Arrountg What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your summits, wag to us at Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 In your leder, wse us the kilormg Sensation: Account "notion: Your name and accost roster. DOlafaMtha: The dolor amine( the suspectedMt Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an error, the boning are true. We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we determine that we made a migalt you wit not have to pay the non in question or any interest or other lees related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the Mixing met be mix 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a whh a check that accesses your (reit cardaux" drat quality, and 2y You must not yet hoe luty paid kr thepsalm.. II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we may report you as dein:Nem. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. ITC08 OR'IA'15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123879 CapitalOne Page2of 2 Customer Smite www.capitalone.com Jan. 16 - Feb. 15, 2016 31 Days in Billing Cyde Credit Limit Available Credit Cash Advance Credit Limit: Available Credit for Cash Advances: 5200.00 S25.27 5100.00 S25.27 Platinum MasterCard NEW BALANCE $174.73 MINIMUM PAYMENT $25.00 Account ending in MI DUEDATE Mar 12, 2016 Previous Balance Payments and Credits Fees and Interest ed Transactions New Balance $177.59 550.00 503.99 $170.73 TRANSACTIONS CONTINUED FEES Total fees This Period $0.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES 53.15 Total Interest This Period 53.15 TOTALS YEAR TO DATE Total fees This Year S0.00 Total Interest This Year 56.55 EFTA00123880 CapitalOne Page 1 on Customer Smite www.capitalone.com Feb. 16 - Mar.15, 2016 29 Days in Billing Cyde ] MINIMUM PAYMENT WARNING: liwomdeodytemnrunpromaterehmecd.ru MI pay rue iteeslard nil Oke you bnparb pay ot rxr [circa. Fcemarmle: Platinum MasterCard Account ending In MI Payment Amount Each Period If No Approximate Time to Pay Olt Estimated PEWBALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost 5249.98 $52.00 .1•• Apr 12,2016 Linton Pmencrt 8218 1214,th s; tl mu maid Ike rrirmalco atos creitcommirg tea e5. cal MAU PAY AT LE;ST THISAMOUNT LATE PAYMENT WARNING: tlrRmnotmaueyarmnmunpalrtorabyyord,eo4b. Credit Limit 5200.00 Cash Advance Credit Umit 5100.00 pm trey ham xi pay a late ke dim SACO Available Credit: S0.00 Available Credit for Cash Advances: $0.00 Previous Balance 5114.73 Payments and Credits 50.00 Fees and Interest Charged I 651.70 ) For questions about this account, please give us a call at 1400-955-6600. Well be glad to help you Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to S p.m. ET. New York residents may contact the New York State Department of financial Services to obtain a comparative listing of aedit card rates, fees, and race nods. Contact the New YorkState Department of Financial Services: or www.dfs.ny.gov. (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS TRANSACTIONS FOR PHIWP I WIWAMS 1 18 FEB FINE FARE8ROOKLYNNY 2 24 FEB FAMILY DOLLAR e6652BROOKLYNPP- TcAnIkaPHILUP I WILLIAMS= ► To Transactions Ibis Period 519.50 $4.05 $23.55 $2335 FEES Transactions continue on page 2 Due Date Transactions New Balance S23.55 $249.98 Help is available Avoid missing future payments by setting up free, customizable account alerts. Enroll in online banking or log into your account at capitalone.com INTEREST CHARGE CALCULATION 3C0045C 1 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge Purthases Cash Advances 23.15% P 25.15% P 5201.17 S0.00 $3.70 $0.00 P,I.,0,1 = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVVVW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Apr 12, 2016 1 Account ending in New Balance Minimum Payment Amount Enclosed $249.98 $ ( 12.131 PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 1123N-4029 Take Advantage. Take Control. Manage your account online at www.capitalone.com • Set up account alerts • Review account information • Manage your account in privacy Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 403320 ) EFTA00123881 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been paying your mount in lull wth no Interest Charges. but then you do not pay your nit Nen Patrice in ben we will (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement lot addbonal inbraxim. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Bing Cytie if 'out account is subject loan Interest Change. Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the Bang Cycle. 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge aaualy assessed. Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code on the km cd ths summed net to yes Wen check the table below. Code next to yew APRs) P D coda Now do we calculate your APRs)? + margin (previously d'udosed to you) Fyne Rate + urge 3 man LMOR + nucgn When yaw Antis) will change The first day of the Ming Cycles that end in lanslip61 July, and 0G. The int day of each Biting Cycle. Pen* Rine + I month U8OR + nuoyn Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you mco.a. Now do I Make Payments? You nay mire your payment in seven ways: I. Di:lineand kiggng into your account. 2. Captal One Motile Barking app kr approved dentingMikes; 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and Mowng the voce prompts; Ctil the te hone n bet lend n the boa of ths latorent and id intimation to our • eV u Pith kg your ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a electronic payment that yell be debited ken your hank account or other related account. When you provide a check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. finismay be ohne" born four bank account as soon as the sarre day we process your payment. WSW wIllthou Credit *Payments Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 statement and your check to the mood address an the front et this statement Please stow at least 171 business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, (am may not be credted as of the day we (*CM. Dens. Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Iowa APRs. tiling Rights Summary (Pees oral etppi) to Sonde itcanect Arrountg What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your summits, wag to us at Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 In your leder, wse us the kilormg Sensation: Account "notion: Your name and accost roster. DOlafaMtha: The dolor amine( the suspectedMt Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an error, the boning are true. We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we determine that we made a migalt you wit not have to pay the non in question or any interest or other lees related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the Mixing met be mix 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a whh a check that accesses your (reit cardaux" drat quality, and 2y You must not yet hoe luty paid kr thepsalm.. II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we may report you as dein:Nem. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. ITC08 OR'IA'15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123882 Capita Pa 2 of 2 Osstcrner Service www.capitalone.com Platinum MasterCard NEW BALANCE Il 5249.98 MINIMUM PAYMENT $52.00 Previous Balance $174.73 ) Account ending in III DUEDATE Apr 12,2016 Payments and Credits S0.00 I Feb.16 . Mar. IS, 2016 29 Days in Billing Cyde Credit Limit 5200.00 Available Credit S0.00 Cash Advance Credit Umit S100.00 Available Credit for Cash Advances: S0.00 Transactions 523.55 New Balance $249.98 TRANSACTIONS CONTINUED FEES (CONTINUED) 1 12 MAR PAST DUE FEE $19.00 2 15 MAR CAPITAL ONE MEMBER FEE $29.00 Total Fees This Period $48.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES 53.70 Total Interest This Period 53.70 TOTALS YEAR TO DATE Total Fees This Year 548.00 Total Interest This Year 510.25 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123883 CapitajOile Pagel of 2 Customer Senace www.capdalOne.COM Platinum MasterCard NBVEIALANCE 5154.62 MINIMUM PAYMENT :!.. PLUM PAY AT Lair NM AMOUNT Account ending in- DUE DATE May 12,2016 Credit Limit $200.00 Available Credit: 545.38 Available Credit for Cash Advances: U5.38 Cash Advance Credit Umit SI00.00 Mar. 16 - Apr.15, 2016 31 Days in BiNng Cyde I MINIMUM PAYMENT WADING: Brumde lytienritturnpromaleachpaiod. you MI pay rue in inweelaxl nil 0tke you bnpat b pay oT tciate. Forexan0e: Payment Amount Each Period It No Approximate Time to Pay ON Estimated Additional Charges Are Made Statement Balance Total Cost Waren Patted altar* SIB? tlyou woad Ike nkernalco atas crecitormsneg senices.cal LIMB LATE PAYMENT WARNING: tlwed ntcrecmoyourrintrun panst tonarduedie. pm ray tem Ropey a We ke dtp SI91Xt Previous Balance Payments and Credits Fees and Interest Charged $249.98 j 1100.00 ) $4.64 J Transactions 50.0 = New Balance $154.62 New York residents may contact the New York State Oepartment of financial Services to obtain a comparative listing of aedit card rates, lees, and race rods. Contact the New YorkState Department of Finandal Services: or www.dfs.ny.gov. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 11 APR Payment received. Thai you! (1100.00) TRANSACTIONS FOR PHILLIP I WILLIAMS FEES Total Fees This Period S0.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period Transactions continue on page 2 C‘Pita ire Due Date 54.64 54.64 Its easy to set up your FREE account alerts: First, 'log In" to Online Banking. Next sign up by: 1. Clicking "Messaging and Alerts" 2. Clicking "Set Alerts" 3. Choosing the free alerts you'd like to receive Your wrier may charge a lee for each text message alert you receive. 300007C INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge Purchases Cash Mvances 23.15% P 25.15% P 1236.22 50.00 14.64 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in - New Balance Minimum Payment Amount Enclosed May 12,201C $154.62 $25.00 7( PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 11'11'1 .1 I EFTA00123884 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been paying your mount in lull wth no Interest Charges. but then you do not pay your nit Nen Patrice in ben we will (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement lot addbonal inbraxim. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Bing Cytie if 'out account is subject loan Interest Change. Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the Bang Cycle. 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge aaualy assessed. Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code on the km cd ths summed net to yes Wen check the table below. Code next to yew APRs) P D coda Now do we calculate your APRs)? + margin (previously d'udosed to you) Fyne Rate + urge 3 man LMOR + nucgn When yaw Antis) will change The first day of the Ming Cycles that end in lanslip61 July, and 0G. The int day of each Biting Cycle. Pen* Rine + I month U8OR + nuoyn Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you mco.a. Now do I Make Payments? You nay mire your payment in seven ways: I. Di:lineand kiggng into your account. 2. Captal One Motile Barking app kr approved dentingMikes; 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and Mowng the voce prompts; Ctil the te hone n bet lend n the boa of ths latorent and id intimation to our • eV u Pith kg your ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a electronic payment that yell be debited ken your hank account or other related account. When you provide a check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. finismay be ohne" born four bank account as soon as the sarre day we process your payment. WSW wIllthou Credit *Payments Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 statement and your check to the mood address an the front et this statement Please stow at least 171 business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, (am may not be credted as of the day we (*CM. Dens. Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Iowa APRs. tiling Rights Summary (Pees oral etppi) to Sonde itcanect Arrountg What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your summits, wag to us at Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 In your leder, wse us the kilormg Sensation: Account "notion: Your name and accost roster. DOlafaMtha: The dolor amine( the suspectedMt Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an error, the boning are true. We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we determine that we made a migalt you wit not have to pay the non in question or any interest or other lees related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the Mixing met be mix 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a whh a check that accesses your (reit cardaux" drat quality, and 2y You must not yet hoe luty paid kr thepsalm.. II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we may report you as dein:Nem. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. ITC08 OR'IA'15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123885 Capilayide Customer Pa 2 of 2 Service www.capitalone.com Mar.16 - Apr. IS, 2016 31 Days in Billing Cycle1 Credit Limit Available Credit Cash Advance Credit Limit 5200.00 $45.38 5100.00 Platinum MasterCard NEW BALANCE MINIMUM PAYMENT Account ending in DUEDATE $154.62 U500 May12,2016 Available Credit for Cash Advances: 345.38 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance 3249.98 $100.00 $0.00 S154.62 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year Total Interest This vear S48.00 S14.89 EFTA00123886 CapitO Page 1o12 Customer Semi:a www.capitalone.com Platinum MasterCard PEWBALANCE $222.59 Credit Unit $200.00 Available Credit $0.00 Previous Balance $154.62 Account ending in MINIMUM PAYMENT DUE DATE $52.00 Jun 12, 2016 PLEAM PM AT LEAST DAS AUOUNI Cash Advance Credit Umit 5100.00 Available Credit for Cash Advances: 50.00J Apr.16 - May.15, 2016 30 Days in BINng Cyde II MINIMUM PAYMENT WADING: Ilwumneortylhenvirrurnpromirtentpeicd.pJ ailpay rrae in itereslaxleniloike }cobweb pay a/ )os [circa. Fcemarrsle: Payment Amount Each Period II No Approximate Time to Pay OR Estimated Additional Charges Are Made Statement Balance Total Cost lairrunPmenert 10'4,1'0; S214 tlyornoldlionlormaco Mos cad conaria sevces. cal LATE PAYMENT WARNING: leem ra ramps mnmuti prat. ty rated*. wormy haem pay atatelce al up b 119m Payments and Credits Fees and Interest Charged $0.00 + $22.86 for questions about this account, please give us a call at 1-800-95S-6600. Well be glad to help you Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to S p.m. ET. New York residents may contact the New York State Department of financial Services to obtain a comparative listing of aedit card rates, fees, and race riads. Contact the New York State Department of financial Services: or www.dfs.ny.gov. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS TRANSACTIONS FOR PHILLIP I WILLIAMS 1 16 APR POPEYES CHICKEN #18ROOKLYNNY 2 18 APR RITE AID STORE 46138ROOKLYNNY Totalke PHILUP I Vitt:TAMS= ► Toad Transactions This Period $26.12 $18.99 $4511 FEES Transactions continue on page 2 Transactions $45.11 New Balance $222.59 Help is available Avoid missing future payments by setting up free, customizable account alerts. Enroll in online banking or log into your account at capitalone.com INTEREST CHARGE CALCULATION 3C0045 C Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge Purchases Cash Advances 23.15% P 25.15% P 1202.82 50.00 S3.86 $0.00 RLD,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Due Date Jun i2,2016 I Account ending in New Balance Minimum Payment L $222..59 $52.00 PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Amount Enclosed D C Take Advantage. Take Control. Manage your account online at www.capitalone.com • Set up account alerts • Review account information • Manage your account in privacy Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 403020 EFTA00123887 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been paying your mount in lull wth no Interest Charges. but then you do not pay your nit Nen Patrice in ben we will (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement lot addbonal inbraxim. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Bing Cytie if 'out account is subject loan Interest Change. Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the Bang Cycle. 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge aaualy assessed. Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code on the km cd ths summed net to yes Wen check the table below. Code next to yew APRs) P D coda Now do we calculate your APRs)? + margin (previously d'udosed to you) Fyne Rate + urge 3 man LMOR + nucgn When yaw Antis) will change The first day of the Ming Cycles that end in lanslip61 July, and 0G. The int day of each Biting Cycle. Pen* Rine + I month U8OR + nuoyn Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you mco.a. Now do I Make Payments? You nay mire your payment in seven ways: I. Di:lineand kiggng into your account. 2. Captal One Motile Barking app kr approved dentingMikes; 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and Mowng the voce prompts; Ctil the te hone n bet lend n the boa of ths latorent and id intimation to our • eV u Pith kg your ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a electronic payment that yell be debited ken your hank account or other related account. When you provide a check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. finismay be ohne" born four bank account as soon as the sarre day we process your payment. WSW wIllthou Credit *Payments Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 statement and your check to the mood address an the front et this statement Please stow at least 171 business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, (am may not be credted as of the day we (*CM. Dens. Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Iowa APRs. tiling Rights Summary (Pees oral etppi) to Sonde itcanect Arrountg What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your summits, wag to us at Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 In your leder, wse us the kilormg Sensation: Account "notion: Your name and accost roster. DOlafaMtha: The dolor amine( the suspectedMt Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an error, the boning are true. We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we determine that we made a migalt you wit not have to pay the non in question or any interest or other lees related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the Mixing met be mix 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a whh a check that accesses your (reit cardaux" drat quality, and 2y You must not yet hoe luty paid kr thepsalm.. II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we may report you as dein:Nem. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. ITC08 OR'IA'15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123888 CapitalOne Pa 2 ol 2 Customer Service www.capitalone.com Platinum MasterCard NEW BALANCE Il 622259 MINIMUM PAYMENT $52.00 Previous Balance $154.62 Account ending in MI DUEDATE Jun12,2016 Apr.16 - May. IS, 2016 30 Days In Riling Cyde 1 Credit Limit Available Credit Cash Advance Credit Unit Available Credit for Cash Advances: $200.00 $0.00 $100.00 $0.00 Payments and Credits Fees and Interest Cha ed $0.00 Transactions 545.11 New Balance $222.59 (TRANSACTIONS CONTINUED FEES (CONTINUED) 1 12 MAY PAST DUE FEE Total fees This Period INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year 567.00 Total Interest This Year 518.75 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days tot your minimum payment to reach Capital One. $19.00 $19.00 53.86 53.86 EFTA00123889 Capita Page Tof 2 Customer Barrios www.capitalone.com May.16 -Jun. IS, 2016 31 Days in Billing Cyde ] MINIMUM PAYMENT WARNING: Ilwomde ody mritturnpmmytetachpeitd. you nil pay rrae in itaxislard EMI Oka youtoparb pay oT)o: [circa. Forenstroe: Platinum MasterCard Account ending in'. Payment Amount Each Period If No Approximate Time to Pay Off Estimated PEW BALANCE MINIMUM PAYMENT DUEDATE Additional Charges An Made Statement Balance Total Cost $246.04 $80.00 et. Jul 12,2016 LiirrunPmenert 1OMrhsl It you maid Ike armalco atos uedtanscirg 9ri:es 8207 PLEASE PAY AT LUST TR6 MiOUNT LATE PAYMENT WARNING: Prat ntt ramie yes ninirm parer. ty yosdactee. Credit Limit $200.00 Cash Advance Credit Umit $100.00 Autrey haem pay a late knelt* ba$I100. Available Credit: $0.00 Available Credit for Cash Advances: $0.00 Previous Balance $222.59 Payments and Credits s0.00 Fees and Interest Charged $23-45 + For questions about this account, please give us a call at 1-W0.955.6600. Well be glad to help you Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. New York residents may contact the New York State Department of financial Services to obtain a comparative listing of aedit card rates, fees, and race nods. Contact the New YorkState Department of Finandal Services: or www.dfs.ny.gov. (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS TRANSACTIONS FOR PHILLIP I WILLIAMS FEES 1 13 JUN PAST OUE FEE INTEREST CHARGED Transactions continue on page 2 $19.00 Total Fees This Period $19.00 Due Date Jul12,2016 Transactions New Balance $0.00 $.246.114 Help is available Avoid missing future payments by setting up free, customizable account alerts. Enroll in online banking or log into your account at capitalone.com INTEREST CHARGE CALCULATION 3C0045 C Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate Purchases 23.15% P $226.56 Cash Advances 25.15% P $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account ending in New Balance Minimum Payment $246.04 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 $80.00 1 Amount Enclosed X PLEASE PAY AT LEAST THIS AMOUNT $4.45 $0.00 Take Advantage. Take Control. [ Manage your account online at www.capitalone.com • Set up account alerts • Review account information • Manage your account in privacy Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 .103320) EFTA00123890 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been paying your mount in lull wth no Interest Charges. but then you do not pay your nit Nen Patrice in ben we will (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement lot addbonal inbraxim. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Bing Cytie if 'out account is subject loan Interest Change. Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the Bang Cycle. 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge aaualy assessed. Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code on the km cd ths summed net to yes Wen check the table below. Code next to yew APRs) P D coda Now do we calculate your APRs)? + margin (previously d'udosed to you) Fyne Rate + urge 3 man LMOR + nucgn When yaw Antis) will change The first day of the Ming Cycles that end in lanslip61 July, and 0G. The int day of each Biting Cycle. Pen* Rine + I month U8OR + nuoyn Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you mco.a. Now do I Make Payments? You nay mire your payment in seven ways: I. Di:lineand kiggng into your account. 2. Captal One Motile Barking app kr approved dentingMikes; 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and Mowng the voce prompts; Ctil the te hone n bet lend n the boa of ths latorent and id intimation to our • eV u Pith kg your ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a electronic payment that yell be debited ken your hank account or other related account. When you provide a check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. finismay be ohne" born four bank account as soon as the sarre day we process your payment. WSW wIllthou Credit *Payments Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 statement and your check to the mood address an the front et this statement Please stow at least 171 business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, (am may not be credted as of the day we (*CM. Dens. Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Iowa APRs. tiling Rights Summary (Pees oral etppi) to Sonde itcanect Arrountg What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your summits, wag to us at Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 In your leder, wse us the kilormg Sensation: Account "notion: Your name and accost roster. DOlafaMtha: The dolor amine( the suspectedMt Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an error, the boning are true. We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we determine that we made a migalt you wit not have to pay the non in question or any interest or other lees related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the Mixing met be mix 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a whh a check that accesses your (reit cardaux" drat quality, and 2y You must not yet hoe luty paid kr thepsalm.. II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we may report you as dein:Nem. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. ITC08 OR'IA'15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123891 CapitO Pa 2 of 2 Osstcener Service www.capitalone.o3m May.16 -Jun.15, 2016 31 Days In Balm Cyde Credit Limit $200.00 Platinum MasterCard Account ending in Available Credit $0.00 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Umit 5100.00 Il $246.04 $80.00 Jul 12, 2016 Available Credit for Cash Advances: $0.00 Previous Balance 5222.59 Payments and Credits Fees and Interest Cha ed $0.00 Transactions 50.00 New Balance $246.04 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES 54.45 Total Interest This Period 54.45 TOTALS YEAR TO DATE Total fees This Year $86.00 Total Interest This Year $23.20 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123892 CaptO Customer Set*. www.capitalone.com Platinum MasterCard PEWBALANCE 5269.81 MINIMUM PAYMENT $108.00 PICAS( PA', AT if .;.ST THCAUOUNT Credit Limit $200.00 Available Credit: $0.00 Previous Balance $246.04 j Account ending in MI DUEDAM Aug 12, 2016 Cash Advance Credit Umit $100.00 Available Credit for Cash Advances: $0.00 Page toll 1. Jun.16 - Jul. 15, 2016 30 Days in Bilk® Cycle I MINIMUM PAYMENT WARNING: Ilwamde cclythernntrumpcomyleachpasod. mu ail pay rue in inmost zrd End take mu bnparb pay atpxr [circa. FotexaVe: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost lAnerunPmenert Nalartrsi SMI muno.fdllenlormakm atom cedicculscirg scewes.cal LATE PAYMENT WARNING: Nett rxt recme pinyon parnei by yoyduechle. pm Trey haem pay atate Ice dtp toSI900 Payments and Credits Fees and Interest Charged $0.00 J $23.77 ) — Transactions $0.00 New Balance $269.81 for questions about this account, please give us a call at 1400.955.6600. Well be glad to help you Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. New York residents may contact the New York State Department of financial Services to obtain a comparative listing of aedit card rates, fees, and race riods. Contact the New York State Department of Financial Services: or vAvw.dfs.ny.gov. (TRANSACTIONS PAYMENTS, CREDITS 8 ADJUSTMENTS FOR PHILLIP I witUAMS= TRANSACTIONS FOR PHILLIP I WILLIAMS_ FEES 1 12 JUL PAST DUE FEE INTEREST CHARGED Transactions continue on page 2 $19.00 Total Fees This Period $19.00 Due Date Aug 12, 2016 Your account is SUSPENDED Please give us a call to discuss your account status and payment options. 1-800-955-6600 300057 ( INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Type of Balance Purchases 23.15% P 1250.85 Cash Advances 25.15% P $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account ending in New Balance Minimum Payment 1 Amount Enclosed $269.81 C $108.00 ) C PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 $4.77 $0.00 Take Advantage. Take Control. Manage your account online at www.capitalone.com • Set up account alerts • Review account information • Manage your account in privacy 403320 Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 11111 1' i"..i I .1 I EFTA00123893 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been paying your mount in lull wth no Interest Charges. but then you do not pay your nit Nen Patrice in ben we will (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement lot addbonal inbraxim. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Bing Cytie if 'out account is subject loan Interest Change. Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the Bang Cycle. 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge aaualy assessed. Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code on the km cd ths summed net to yes Wen check the table below. Code next to yew APRs) P D coda Now do we calculate your APRs)? + margin (previously d'udosed to you) Fyne Rate + urge 3 man LMOR + nucgn When yaw Antis) will change The first day of the Ming Cycles that end in lanslip61 July, and 0G. The int day of each Biting Cycle. Pen* Rine + I month U8OR + nuoyn Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you mco.a. Now do I Make Payments? You nay mire your payment in seven ways: I. Di:lineand kiggng into your account. 2. Captal One Motile Barking app kr approved dentingMikes; 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and Mowng the voce prompts; Ctil the te hone n bet lend n the boa of ths latorent and id intimation to our • eV u Pith kg your ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a electronic payment that yell be debited ken your hank account or other related account. When you provide a check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. finismay be ohne" born four bank account as soon as the sarre day we process your payment. WSW wIllthou Credit *Payments Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 statement and your check to the mood address an the front et this statement Please stow at least 171 business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, (am may not be credted as of the day we (*CM. Dens. Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Iowa APRs. tiling Rights Summary (Pees oral etppi) to Sonde itcanect Arrountg What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your summits, wag to us at Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 In your leder, wse us the kilormg Sensation: Account "notion: Your name and accost roster. DOlafaMtha: The dolor amine( the suspectedMt Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an error, the boning are true. We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we determine that we made a migalt you wit not have to pay the non in question or any interest or other lees related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the Mixing met be mix 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a whh a check that accesses your (reit cardaux" drat quality, and 2y You must not yet hoe luty paid kr thepsalm.. II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we may report you as dein:Nem. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. ITC08 OR'IA'15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123894 Capita . Pa 2 of 2 Customer Service www.capitalonecom Jun. 16 - Jul. 15, 2016 30 Days in Biting Cyde Credit Limit Available Credit Cash Advance Credit Limit Available Credit for Cash Advances: 5200.00 $0.00 5100.00 $0.00 Platinum MasterCard NEW BALANCE Il 6269.81 MINIMUM PAYMENT $108.00 Account ending in DUEDATE Aug 12, 2016 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance $246.04 S0.00 $0.00 1269S1 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES 54.77 Total Interest This Period 54.77 TOTALS YEAR TO DATE Total fees This Year $105.00 Total Interest This Year 527.97 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123895 -- CapitalOne Page 1o12 Customer State www.capitalone.00m Jul 16 -Aug. 1S, 2016 31 Days in Billing Cyde1 MINIMUM PAYMENT WARNING: Ilwomee cclytherreirrompapterteachpeod. you oil pay rrae irecoasIzn:RMINke you bnparb pay cdpn telaxe. Foretwoe: Platinum MasterCard Account ending in'. Payment Amount Each Period If No Approximate Time to Pay Off Estimated NBVBALANCE MINIMUM PAYMENT DUEDATE Additional Charges Are Made Statement Balance Total Cost 5275.17 $133.00 Sep 12,2016 Liirrun Nygaard ticreW I 5292 O!'• Ilyormx/d Ileslormako tot cmckcotrocric scntes, mil I PLEASE PAY AT MIST MS AMOUNT LATE PAYMENT WARNING: 1aeAsrareeeaeyourmyrunpaflwetyyordadee. Credit Limit 5200.00 Cash Advance Credit Umit 5100.00 osu way haat, pay aisle Ice alto loSI9tO Available Credit: 50.00 Available Credit for Cash Advances: 50.00 Previous Balance $269.81 j — $0.00 + Payments and Credits Fees and Interest Charged SS.36 J‘ Transactions $0.00 New Balance $276.17 for questions about this account, please give us a call at 1-840.955.6600. We'll be glad to help you Monday through Friday hem 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. New York residents may contact the New York State Department of financial Services to obtain a comparative listing of credit card rates, fees, and race nods. Contact the New York State Department of Financial Services: or vAvvr.dfs.ny.gov. (TRANSACTIONS PAYMENTS, CREDITS 8 ADJUSTMENTS FOR PHILLIP I WILLIAMS TRANSACTIONS FOR PHIWP I WIWAMSIMI FEES Total Fees This Period $0.00 INTEREST CHARGED INTEREST CHARGEPURCHASES Total Interest This Period Transactions continue on page 2 Due Date 55.36 55.36 Your account is SUSPENDED Please give us a call to discuss your account status and payment options. 1-800-955-6600 300057 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Type of Balance Purchases 23.15% P 5272.39 Cash Advances 25.15% P 50.00 P,LD,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Sep12,2016 Account ending in New Balance Minimum Payment 1 Amount Enclosed C $275.17 )I $133.00 )C PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 55.36 S0.00 Take Advantage. Take Control. Manage your account online at www.capitalone.com • Set up account alerts • Review account information • Manage your account in privacy Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 403320) EFTA00123896 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been paying your mount in lull wth no Interest Charges. but then you do not pay your nit Nen Patrice in ben we will (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement lot addbonal inbraxim. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Bing Cytie if 'out account is subject loan Interest Change. Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the Bang Cycle. 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge aaualy assessed. Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code on the km cd ths summed net to yes Wen check the table below. Code next to yew APRs) P D coda Now do we calculate your APRs)? + margin (previously d'udosed to you) Fyne Rate + urge 3 man LMOR + nucgn When yaw Antis) will change The first day of the Ming Cycles that end in lanslip61 July, and 0G. The int day of each Biting Cycle. Pen* Rine + I month U8OR + nuoyn Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you mco.a. Now do I Make Payments? You nay mire your payment in seven ways: I. Di:lineand kiggng into your account. 2. Captal One Motile Barking app kr approved dentingMikes; 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and Mowng the voce prompts; Ctil the te hone n bet lend n the boa of ths latorent and id intimation to our • eV u Pith kg your ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a electronic payment that yell be debited ken your hank account or other related account. When you provide a check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. finismay be ohne" born four bank account as soon as the sarre day we process your payment. WSW wIllthou Credit *Payments Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 statement and your check to the mood address an the front et this statement Please stow at least 171 business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, (am may not be credted as of the day we (*CM. Dens. Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Iowa APRs. tiling Rights Summary (Pees oral etppi) to Sonde itcanect Arrountg What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your summits, wag to us at Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 In your leder, wse us the kilormg Sensation: Account "notion: Your name and accost roster. DOlafaMtha: The dolor amine( the suspectedMt Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an error, the boning are true. We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we determine that we made a migalt you wit not have to pay the non in question or any interest or other lees related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the Mixing met be mix 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a whh a check that accesses your (reit cardaux" drat quality, and 2y You must not yet hoe luty paid kr thepsalm.. II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we may report you as dein:Nem. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. ITC08 OR'IA'15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123897 CapitalOne Pa 2 of 2 Custcrner Smite www.capitalone.com Platinum MasterCard NEW BALANCE Il 5275.17 MINIMUM PAYMENT $133.00 Previous Balance 5269.81 Account ending in. DUEDATE Sep 12, 2016 Jul. 16 - Aug. 15, 2016 31 Days in Billing Cyde Credit Limit Available Credit Cash Advance Credit Limit: Available Credit for Cash Advances: 5200.00 50.00 5100.00 50.00 Payments and Credits Fees and Interest Cha ed 50.00 Transactions $0.00 New Balance 5275.17 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year 5105.00 Total Interest This Year 533.33 Your minimum payment was not received in time to avoid a late fee. Asa courtesy, we didn't charge you a late fee this month. Please note that we may charge a late fee in future months if we dont receive at least your minimum payment by your due date. EFTA00123898 CaptO Page lot 3 Customer Service www.capitalone.com Platinum MasterCard PEWBALANCE $230.75 MINIMUM PAYMENT $158.00 ,!•• PLEASE PAY AT LUST TioSem0toit Account ending in MI DUE DATE Oct 12, 2016 Credit Limit $200.00 Available Credit: S0.00 Previous Balance S275.17 Cash Advance Credit Umit $100.00 Available Credit for Cash Advances: $0.00 Aug. 16 • Sep. 15, 2016 31 Days in Billing Cyde 1 MINIMUM PAYMENT WARNING: liwumde orty rrmirunpapertea:hmood.yrei MI pay rue in inweslaxkuil bike you knout pay ol )ca [date. Fccemnia: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges An Made Statement Balance Total Cost Warm Papert S238 II you mald lientemalco atom mad co.r&Nrg 9nces calII LATE PAYMENT WARNING: keit rot(acmep.rmnrrunpaycreebyyordedae. You trey hoes pay able Ice dip to$1900 Payments and Credits Fees and Interest Charged $49.00 ) + M.58 I Transactions $0.00 New Balance $230.75 for questions about this account please give us a call at 1-800.955.6600. We'll be glad to help you Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. New York residents may contact the New York State Department of financial Services to obtain a comparative listing of credit card rates, fees, and race clods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS 1 19 AUG Security Deposit Applied ($49.00) TRANSACTIONS FOR PHILLIP I WILUAMS FEES INTEREST CHARGED Transactions continue on page 2 Total Fees This Period $0.00 Due Date Your account is RESTRICTED Please give us a call to discuss your account status and payment options. 1-800-955-6600 300056 C INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Type of Balance Purchases 23.15% P 5233.16 Cash Advances 25.15% P S0.00 RLD,F = Variable Rate. See reverse of page I for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in - New Balance Minimum Payment Amount Enclosed C°C112.2°16 C $23°15 3( $158.00 )( PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 $4.58 $0.00 Take Advantage. Take Control. Manage your account online at www.capitalone.com • Set up account alerts • Review account information • Manage your account in privacy 403320 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 -I I EFTA00123899 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been paying your mount in lull wth no Interest Charges. but then you do not pay your nit Nen Patrice in ben we will (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement lot addbonal inbraxim. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Bing Cytie if 'out account is subject loan Interest Change. Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the Bang Cycle. 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge aaualy assessed. Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code on the km cd ths summed net to yes Wen check the table below. Code next to yew APRs) P D coda Now do we calculate your APRs)? + margin (previously d'udosed to you) Fyne Rate + urge 3 man LMOR + nucgn When yaw Antis) will change The first day of the Ming Cycles that end in lanslip61 July, and 0G. The int day of each Biting Cycle. Pen* Rine + I month U8OR + nuoyn Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you mco.a. Now do I Make Payments? You nay mire your payment in seven ways: I. Di:lineand kiggng into your account. 2. Captal One Motile Barking app kr approved dentingMikes; 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and Mowng the voce prompts; Ctil the te hone n bet lend n the boa of ths latorent and id intimation to our • eV u Pith kg your ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a electronic payment that yell be debited ken your hank account or other related account. When you provide a check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. finismay be ohne" born four bank account as soon as the sarre day we process your payment. WSW wIllthou Credit *Payments Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 statement and your check to the mood address an the front et this statement Please stow at least 171 business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, (am may not be credted as of the day we (*CM. Dens. Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Iowa APRs. tiling Rights Summary (Pees oral etppi) to Sonde itcanect Arrountg What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your summits, wag to us at Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 In your leder, wse us the kilormg Sensation: Account "notion: Your name and accost roster. DOlafaMtha: The dolor amine( the suspectedMt Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an error, the boning are true. We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we determine that we made a migalt you wit not have to pay the non in question or any interest or other lees related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the Mixing met be mix 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a whh a check that accesses your (reit cardaux" drat quality, and 2y You must not yet hoe luty paid kr thepsalm.. II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we may report you as dein:Nem. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. ITC08 OR'IA'15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123900 CapitalOne Cramer St www.capitalone.o3m Platinum MasterCard NEW BALANCE Il $230.75 MINIMUM PAYMENT 5158.00 Previous Balance 3275.17 Account ending in III DUEDATE 0ct12,2016 Aug. 16 • Sep. IS, 2016 31 Days In Bilkng Cyde Credit Limit $200.00 Available Credit $0.00 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances: $0.00 Payments and Credits Fees and Interest Cha ed 549.00 Transactions $0.00 New Balance $230.75 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES Total Interest This Period TOTALS YEAR TO DATE Total fees This Year $105.00 Total Interest This Year $37.91 Your minimum payment was not received in time to avoid a late fee. As a courtesy, vat didn't charge you a late fee this month. Please note that we may charge a late fee in future months if we dont receive at least your minimum payment by your due date. Your account a now dosed. Charges made prior to your request to close veil still post to your account, but future charges wil be declined. If you have a balance, please continue to make payments until your balance reaches SO. Your account will be reported to the aedit bureaus as dosed. 54.58 54.58 EFTA00123901 Rev. 07/2015 201213 CapitalOrie FACTS WHAT DOES CAPITAL ONE® DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number and income • Account balances and payment history • Account transactions and credit card or other debt All financial companies need to share customers' personal information to run their everyday How? business. In the section below, we list the reasons financial companies can share their customers' personal information: the reasons Capital One chooses to share; and whether you can limit this sharing. Reasons we can share your personal information For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Does Capital One share? YES Can you limit this sharing? NO For our marketing purposes — to offer our products and services to you YES NO For joint marketing with other financial companies YES NO For our affiliates' everyday business purposes — information about your transactions and experiences YES NO For our affiliates' everyday business purposes — information about your creditworthiness YES YES For our affiliates to market to you YES YES For nonaffiliates to market to you YES YES To limit our sharing ■ Call us toll free: 1-888-817-2970 — our menu will prompt you th ough your choices. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Go to www.caoitalone.com/contactus OID:17697 Please Recycle EFTA00123902 Page 2 Who we are Who is providing this notice? Our affiliates include financial companies with the Capital One. Chevy Chase, Onyx. and Greenpoint names, such as Capital One Bank (USA). National Association; and Capital One, National Association. What we do How does Capital One protect my personal information? To protect your personal information from unauthorized access and use. we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does Capital One collect my personal information? We collect your personal information, for example, when you • Open an account or deposit money ■ Pay your bills or apply for a loan • Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can't I limit all sharing? Federal law gives you the right to limit only • Sharing for affiliates' everyday business purposes — information about your creditworthiness • Affiliates from using your information to market to you ■ Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include financial companies with the Capital One. Chevy Chase, Onyx, and Greenpoint names, such as Capital One Bank (USA), National Association; and Capital One, National Association. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. ■ Nonaffiliates we share with can include insurance companies, service providers, co-branded partners, retailers, data processors, and advertisers. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include companies such as other banks and insurance companies. Other important information CA and VT Residents: We will not share everyday business purposes, for marketing VT Residents only: We will not disclose companies except as required or permitted NV Residents: Notice provided pursuant 1-888-817-2970. If you would like more Capital One, P.O. Box 30285. Salt Lake Nevada law, contact Bureau of Consumer St., Suite 3900, Las Vegas, NV 89101; Telephone Communications: All telephone or recorded. your information with companies outside of Capital One, except for our our products and services to you, or with your consent. credit information about you within or outside the Capital One family of by law. to state law. To be placed on our intemal Do Not Call List, call information about telemarketing practices, you may contact us at City, UT 84130-0286 nr wehinfn@capitalone.com. For more on this Protection, Office of the Nevada Attorney General, 555 E. Washington Phone number: 1-702-486-3132; e-mBit. BC:PINFiVaci gimp nv us communications with us or our authorized agents may be monitored 2015 Capital One. Capital One is a federally registered service mark. All rights reserved. EFTA00123903 Capita Customer Smite www.capitalone.com Platinum MasterCard PEWBALANCE $235.18 MINIMUM PAYMENT $183.00 PICAS( PA', AT LEAST TH6AMUNI Credit Limit $200.00 Available Credit $0.00 Previous Balance S230.75 Account ending in- DUE DATE Nov 12.2016 Cash Advance Credit Umit $100.00 Available Credit for Cash Advances: $0.00 Page toll 1 Sep. 16 - Oct. 15, 2016 30 Days in Bilk® Cycle MINIMUM PAYMENT WARNING: Ilromde arty to mritturnpapalea=paiod. $01 ail pay rrae in ircioaslardEMINke you =comb pay oT [circa. Fccentsrsie: Payment Amount Each Period If No Approximate time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost lAnnunPamert tMalTs 8212 pJ eald lie slymaton a0xt cmot carsqrg sevces O1 I LATE PAYMENT WARNING: red in teem ps rimmut parer. by picket:We. Yen trey Hamm pay a We f ee dtm Payments and Credits Fees and Interest Charged - L $0.00 J + f $4.43 J‘ Transactions $0.00 New Balance $235.18 for questions about this account, please give us a call at 1400.955.6600. well be glad to he you Monday through friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. New York residents may contact the New York State Department of financial Sewkes to obtain a comparative listing of credit card rates, fees, and race nods. Contact the New YorkState Depanment of Finandal Services: or www.dfs.ny.gov. (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS= TRANSACTIONS FOR PHILLIP I WILLIAMS FEES Total Fees This Period $0.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period Transactions continue on page 2 Due Date $4.43 $4.43 Your account is RESTRICTED Please give us a call to discuss your account status and payment options. 1-800-955-6600 300056 ( INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Type of Balance Purchases 23.15% P $232.88 Cash Advances 25.15% P S0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Nov.142016 Account ending in New Balance Minimum Payment 1 $235.18 $183.00 ) PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Amount Enclosed $4.43 $0.00 Take Advantage. Take Control. Manage your account online at www.capitalone.com • Set up account alerts • Review account information • Manage your account in privacy 403320 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123904 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been paying your mount in lull wth no Interest Charges. but then you do not pay your nit Nen Patrice in ben we will (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement lot addbonal inbraxim. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Bing Cytie if 'out account is subject loan Interest Change. Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the Barg Cycle. The result is the Average Daily Bianakt each serpent 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the Bang Cycle. 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge aaualy assessed. Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code on the km cd ths summed net to yes Wen check the table below. Code next to yew APRs) P D coda Now do we calculate your APRs)? + margin (previously d'udosed to you) Fyne Rate + urge 3 man LMOR + nucgn When yaw Antis) will change The first day of the Ming Cycles that end in lanslip61 July, and 0G. The int day of each Biting Cycle. Pen* Rine + I month U8OR + nuoyn Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you mco.a. Now do I Make Payments? You nay mire your payment in seven ways: I. Di:lineand kiggng into your account. 2. Captal One Motile Barking app kr approved dentingMikes; 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and Mowng the voce prompts; Ctil the te hone n bet lend n the boa of ths latorent and id intimation to our • eV u Pith kg your ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a electronic payment that yell be debited ken your hank account or other related account. When you provide a check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. finismay be ohne" born four bank account as soon as the sarre day we process your payment. WSW wIllthou Credit *Payments Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 statement and your check to the mood address an the front et this statement Please stow at least 171 business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, (am may not be credted as of the day we (*CM. Dens. Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Iowa APRs. tiling Rights Summary (Pees oral etppi) to Sonde itcanect Arrountg What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your summits, wag to us at Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 In your leder, wse us the kilormg Sensation: Account "notion: Your name and accost roster. DOlafaMtha: The dolor amine( the suspectedMt Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an error, the boning are true. We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we determine that we made a migalt you wit not have to pay the non in question or any interest or other lees related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the Mixing met be mix 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a whh a check that accesses your (reit cardaux" drat quality, and 2y You must not yet hoe luty paid kr thepsalm.. II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we may report you as dein:Nem. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number above using blue or black ink. ITC08 OR'IA'15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123905 Capita One Pa 2 of 2 Cramer Service www.capitalone.com Sep. 16 - Oct IS, 2016 30 Days In Billing Cycle1 Credit Limit Available Credit: Cash Advance Credit Unlit: Available Credit for Cash Advances: S200.00 $0.00 S100.00 $0.00 Platinum MasterCard NEW MANCE $235.18 MINIMUM PAYMENT S183.00 Account ending in MI DUEDATE Nov 1Z 2016 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance 5230.75 50.00 $0.00 6235.10 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year $105.00 Total Interest This Year S42.34 Your minimum payment was not received in time to avoid a late fee. As a courtesy, we didn't charge you a late fee this month. Please note that we may charge a late fee in future months if we door receive at least your minimum payment by your due date. Your account a now dosed. Charges made prior to your request to close wil still post to your account, but future charges wit be declined. If you have a balance, please continue to make payments until your balance reaches SO. Your account will be reported to the aedit bureaus as dosed. EFTA00123906 CapitalOde Page 1 of 2 Customer Same I006258-9319 www.capilaione.com Platinum MasterCard Ava k NEWBALANCE 5239.85 ilah]e Credrt S... c ... PAYMENT DUE $239.85 Account ending in DUE DATE PAST DUE Oct. 16 - Nov. 15, 2016 31 Days in Billing Cyde IMPORTANTACCOUNT UPDATES Yoshibarn:es cle.Pnypeynnem Mewl's:tee yoatelance ard helppaya! Kamahew Theamcut Ku one may celenlyouse enseeditoa warm pcxmert Nmerrem Previous Balance Payments and Credits Fees and Interest Charged 5235.18 j $0.00 $4.67 New York residents may contact the New York State Department of financial Services to obtain a comparative listing of credit card rates, fees, and race riods. Contact New York State Department of Financial Services: or www.dfs.ny.gov. the Help Is Available. Just Pick Up the Phone. call 1-800-258-9319 and a specially trained agent will be happy to help you or answer any questions you may have. 300043.0 TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WILLIAMS TRANSACTIONS FOR PHIWP I WIWAMS FEES Total Fees This Period S0.00 INTEREST CHARGED INTEREST CHARGE CALCULATION INTEREST CHARGE:PURCHASES 34.67 Your Annual Percentage Rate (AM) is the annual interest rate on your account. Total Interest This Period 34.67 TOTALS YEAR TO DATE Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge Total Fees This Year Total Interest The. Year $105.00 $47.01 Purchases 23.15% P $237.43 $4.67 Cash Advances I 25.15% P 30.00 $0.00 Transactions New Balance 50.00 $239.85 Due Date Past Die = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in New Balance Amount Enclosed PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Stay Informed. For the most current information about your account, give us a call at 1-800-258-9319. Capital One Bank (USA). N.A. P.O. Box 71083 Charlotte, NC 28272-1083 111111' I" Odd'. II 1ii HI-1'101dd I EFTA00123907 How can I Avoid Payino Interest Charoes? If you pay your statemenrs New Balance in full by the due date. we wit not charge you interest on any new transactions that post to the purchase segment. If you have been paying your emoted in full with no Interest Charges. but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers. we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How Is the Interest Chafed applied? Interest Charges accrue from the date of the transaction or the first day of the Bang 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 Billing 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 Chew? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your accant is subject to an Interest Charge. How do you Calculate the Interest Chew? We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous days balance. Bien we subtract any payments and credits for that segment as of that day. The result is be 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 Bilking Cycle. The result is the Average Daily Balance for each segment. 3. Al the end of each Billing Cycle. we multiply your Average Daly Balance for each segment by the deity periodic rate (APR divided by 365) for that segment. and then we multbly the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The resift is your total Interest Charge for the Billing Cycle. The Average Daly Balance is referred to as the Balance Subject to Interest Rao it 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 indices (reported in The Warr 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. Jky. ard Oct. D F Prime Rate + margin 1 month LIBOR + margin The first day of each Billing Cycle. ow can em ars p Fees? a Renewal ce is printed on the front of this LatemenL 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 tatement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we wil slop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request that we close your accant Avoid I M hl If Noti Changing Mailing Address? You can change your address onmediateN capdakine.com or complete the information below. Please print using blue or black ink Street. City State Zip code Mane Ernal 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 nictitation from the check to make a one-lime ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment How do you Apply My Payment? We generally apply payments up to your Mirimun 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. Blllina Rights Summary (Does not kr* to Small Busness Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on you statement. write to us at: Capital One P.D. Box 30285 Salt Lake City, UT 84130-0285 In your letter. give us the following Okernabon: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Problem: If Au think there is an error on your bit, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing. You may call us or notify us electronically, but if you do we are not required to investigate any potential errors and you may have to pay the amount :I question. We a notify you in writing within 30 days of our receipt of you letter. Whit we investigate whether or not there has been an error. the blowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may contnue 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 respcostte for the remainder of your balance. • We can apply any unpaid amount against your credit knit Within 90 days of our receipt of your letter, we wil send you a written notice explaning either that we corrected the error (to appear on your next statement) or the reasons we believe the till is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card. and you have tried In good faith to correct the problem with the merchant you may have the right not to pay the remelting anoint due on the purchase. To use this right, the following must be true: 1) You must have used your credit card fa the purchase. Puchases made with cash advances from an ATM or with a check that accesses you credit card account do not giddy: 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. Sall 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. D2016 Capital One. Capital One is a federaly registered service mark ETC-08 11/01/16 How do I Make Payments? You may make your payment in several ways: 1. Online Banking by logging into your account: 2. Capital One Mobile Barking app for approved electronic devices: 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Sending mail payments to the address on the front of this statement with the payment coupon or your accoul information. When will you Credit My Payment? • For mobile, online or over the phime, as of the business day we receive it as long as they are made by 8p.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 mustmustsend 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. Misled 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. To change or update your address please call 1-800-258-9319 or visit www.capitalone.com till is EFTA00123908 Your account has charged off. It is now being serviced by the Recoveries department. Call 1-800-258-9319 if you have questions about this notice. EFTA00123909