EFTA00123723

Page 1 of 2 Customer Service Dec.16 - Jan. IS, 2017 31 Days in Billing Cyde Capital_()fie www.capdalone.com ] MINIMUM PAYMENT WAMANG: Nyco wee celytherreirrompayrtorteachpeiod. ycu ailpay rue iteeslaxl e ma° youlorgerb pay cdp:u telarce. Forman*: Platinum MasterCard Account ending in Payment Amount Each Period It No Approximate Time to Pay Olt Estimated PEWBALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $166.71 &ISA° Feb 12.2017 lairrunParnert 1614:rdysi $196 e!'• Pyounoldlienlormstcoatotamilcanscikmatevces.oe ALFAS( PAY AT ILAIST DISMOUNT LATE PAYMENT WARNING: Ewe&ix receaeyourrintrunpapa boarduedale. Credit Limit 5750.00 Cash Advance Credit Limit SI00.00 you rray ham a:, pay a late be MSIRCO Available Credit: 5583.29 Available Credit for Cash Advances: $583.29 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $13.21 j — L $407.92 $0.50 ) $560.92 $166.71 I New York residents may contact the New York State Department of Anancial Services to obtain a comparative listing of aedit card rates, fees, and race riods. Contact the Its easy to set up your New YorkState Department of finandal SeMces: or www.dfs.ny.gov. TRANSACTIONS FREE account alerts: First, "Log In" to Online Banking. Next, sign up by: PAYMENTS, CREDITS & ADJUSTMENTS FOR 1 11 JAN Cap 1 ElecPhonePmt VRUAuthDate 11-JAN ($407.92) 1. Clicking "Messaging and Alerts" 2. Clang "Set Alerts" 3. Choosing the free alerts you'd like to receive TRANSACTIONS FOR 1 22 DEC AMERICAN $206.45 Your carrier may charge a fee for each text message alert you receive. TK#: 300007C PSGR: ORIG: YYZ ()EST: LGA NO: 0 CARRIER: AA SVC: V 2 25 DEC GOOGLE 'Magic Minorg.00lpayhelp#CA $0.99 INTEREST CHARGE CALCULATION 3 31 DEC PEACH AND LILY8003389152NY $69.68 Your Annual Percentage Rate (APR) is the annual interest rate on your account. 4 03 JAN AMERICAN 00010269972350TORONTOON $19.67 Annual Percentage Balance Subject to CURRENCY: CAD EXCHANGE RATE: 1.334519573 Type of Balance Interest Charge Rate (APR) Interest Rate TK#: C010269972350 PSGR: Purchases 23.40% P $11.20 $0.00 Cash Advances 25.40% P S0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVVVW.CAPiTALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account ending in I= Due Date New Balance Minimum Payment Amount Enclosed C ENJOY 24/7 ACCESS TO YOUR ACCOUNT Feb.12,2M7 $166.71 $15.00 )1. _op in and range your account amine at wacapaalone win • pei bus PLEASE PAY AT LEAST • Crock your bblint• THIS AMOUNT • A a,'en transactions BROOKLYN, NY 11234-4029 Ca ital One Bank (USA). N.A. Mod Charlotte, NC 28272-1063 EFTA00123723 How can I Avoid Paving Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment you authorize us to full by the due date, we will not charge you interest on any new transactions that post to Initiate an ACH or electronic payment that will be debited from your bank account or the purchase segment. If you have been paying your accoian in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance In full, we will charge interest on payment. you authorize us to use information from the check to make a one-lime ACH or the portion 04 the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdrawn from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Mono informabon. Payment first to the balance with the lowest APR including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with higher APRs. We apply any pan of yourpayment exceeding your Minimum transaction or the first day of the Billing Cycle. Inkiest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may Owe Interest Charges even if you pay Billing Rights Summary (Does not/loch to Small Bigness Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of your account. is an error on it statement. write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of $0.50 for each Billing Cycle if your accoint is subject lo an Interest Charge. In your letter. give us the following nktmation: FlOv_ate_you Calculate the Interest Chem? We use a method called Average Daily Balance (including new transactions). • Account information: Your name and account number. 1. First, for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is an error co your bit describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you believe it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next br each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of your letter. Wile number of days in the Riling Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the taming are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Billing Cycle, we multiply your Average Daly Balance for each amount. The charge in question may remain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount But, if we determine that we made a mistake. you multgly the result by the number of days In the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred to as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit hmit. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter, we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the big Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reponed in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried this statement. In good faith to cared the problem with the merchant you may have the right not to pay Code next to How do we calculate your When your APRs) will change the retuning amount due on the purchase. To use this right. the following must your APFt(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR + margin end in Jan.. April. Jay. ard Oct. advances from an ATM or with a check that accesses your credit card account do not qualify. and Prime Rate + margin The first day of each Billing Cycle. 2) You most not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact Row can I Avoid Membership Fees? If a Renewal Notice prehad th statement us in writing at: Capital One. Salt Lake City, UT 84130-0285. While we ou may avoid paying an annual membership Fee by contacting Customer Service no late: investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that pont. if we think you owe an that we close your account. To mod paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact me Service anytime to request ETC-08 ti 2016 Capital One. Capital One is a federaly registered service mark 11i131/16 that we close your account. Changing Mailing Address? 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. You can change your address rnmedatehr at capnalone.com or convict, the information 3. Calling the telephone number listed on the front of this statement and providing the below. and man this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile, online or over the ohms. as of the business day we receive it as bog City as it is made by 8 p.m. ET. • For mall, as of the business day we receive it as long as it is received by 5 p.m. State Zip code local lime at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Plane Please allow at least seven (7) business days for mail delivery. Mailed payments received by us at any other location or payments in any other form may not be Final credited as of the day we receive them. (411 1$ EFTA00123724 ai2 of 2 Customer Service Dec. 16 -Jan. 15, 2017 31 Days In Billing Cyde Capitalone www.capitalone.com Credit Limit S750.00 Platinum MasterCard Account ending In Available Credit 5583.29 &W BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit 5100.00 $166.71 $16.00 Fth 12,2017 Available Credit for Cash Advances: 5100.00 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance - 1 $13.21 $407.92 $560.92 c $166.71 TRANSACTIONS CONTINUED TRANSACTIONS FOR (CONTINUED) ORIG: EBC, DEST: FEE 90:0 CARRIER: AA SVC: 5 04 JAN HAAGEN DAZSWEST NYACKNY $18.42 6 04 JAN I LY 2WEST NYACKNY $79.50 7 12 JAN SALLY BEAUTY 019078ROOlaYNNY $28.59 8 12 JAN MADRAG 6300868ROOKLYNNY $117.63 9 12 JAN 9 WEST OUTLET 025B2BROOKLYNNY $19.99 Tolailor $680.92 Do• TdalTarsedlonsltiblkdod $560.92 FEES I 14 JAN MINIMUM INTEREST CHARGE $0.50 Total Fees TM Period $0.50 INTEREST CHARGED Total Interest This Period S0.00 TOTALS YEAR TO DATE Total Fees TM Year S0.50 Total Interest This Year S0.00 EFTA00123725 Page 1 of 2 041orner Sertce Jan. 16 - Feb. 15, 2017 31 Days in Billing Cyd1 CapitaOt www.CaphalOne.COm MINIMUM PAYMENT WARNING: Nyco mike arty Me maremperwleachpetad.mu MIpay rrue initcresla4 A MIRA° youlonaert poi ol Au[dance. For exalle: Platinum MasterCard Account ending in Payment Amount Each Period II No Approximate Time to Pay Off Estimated PEWBALANCE MINIMUM PAYMENT DUEDATE Additional Charges Are Made Statement Balance Total Cost $471.12 $15.00 Mar 12, 2017 lAntrunPatten 6Yws S347 $18 3Was I SOSO e!'• mfaSE PAY AT YEAST ThiSMOuNT Estimated savings If balance Is pald off in about 3 yean: $187 Credit Limit 5750.00 Cash Advance Credit Umit $100.00 II you %oldlie stematalabas neck cculsdho smices. adl Available Credit: 5278.88 Available Credit for Cash Advances: $100.00 LATE PAYMENT WARNING: Nada=rectmep.rnannunpartaiby yarduedie. Au way hamkipay a Late ke cltp b$I9ta Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S166.71 $514.51 j I SO 00 + S818.92 $471.12 New York residents may contact the New York State Department of Anancial Services to 300075 obtain a comparative listing of aedit card rates, fees, and race rods. Contact the New YorkState Department of Finandal SNviCei: or www.dfs.ny.gov. Introducing Samsung Pay TRANSACTIONS Pay almost anywhere you PAYMENTS, CREDITS & ADJUSTMENTS FOR SAMSUNG 1 18 JAN CheapTbe7237924697077vmw.aix.infoWA can swipe or tap your card. pay 2 03 FEB Cap 1 BecPhonePmtVRUAuthDate 03.FE8 (1500.00) Learn more at: www.capitalone.com/ TRANSACTIONS FOR samsungpay 1 18 JAN Cheapnye7237924697077vmw.aix.inloWA $22.00 2 18 JAN AMAZON MKTPLACE PMTSAMZN.COM'BILLWA $30.37 Certain Capital One ay., s are not eligible, including partner card% 3 18 JAN WESTIET $104.61 PSGR: NTEREST CHARGE CALCULATION ORIG: YYZ OEST: LGA Your Annual Percentage Rate (APR) is the annual interest rate on your account. 5/0: 0 CARRIER: WS SVC: I Annual Percentage Balance Subject to 4 23 JAN AMAZON MKTPIACE PMTSAMZN.COPNBILLWA $21.42 Type of Balance Interest Charge Rate (APR) Interest Rate S 23 JAN APPLEMES 981635500537GLENMONTNY $48.48 6 24 JAN SUNOCO 0395691900 OPSALBANYNY $30.03 Purchases 23.40% P S0.00 S0.00 Cash Advances 25.40% P S0.00 S0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account ending in 400025 Due Date New Balance Minimum Payment Amount Endo:cc Your new statement Mar. 12,2017 $471.12 $15.00 is coming next month. Redesigned with you in mind. PLEASE PAY AT LEAST THIS AMOUNT Watch a video walk-through of your new simplified statement at: capitalone.com/MyNewStatement BROOKLYN, NY 11234-4029 Ca ital One Bank (USA). N.A. Red Charlotte, NC 28272-1063 EFTA00123726 How can I Avoid Paving Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment you authorize us to full by the due date, we will not charge you interest on any new transactions that post to Initiate an ACH or electronic payment that will be debited from your bank account or the purchase segment. If you have been paying your accoian in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance In full, we will charge interest on payment. you authorize us to use information from the check to make a one-lime ACH or the portion 04 the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdrawn from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Mono informabon. Payment first to the balance with the lowest APR including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with higher APRs. We apply any pan of yourpayment exceeding your Minimum transaction or the first day of the Billing Cycle. Inkiest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may Owe Interest Charges even if you pay Billing Rights Summary (Does not/loch to Small Bigness Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of your account. is an error on it statement. write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of $0.50 for each Billing Cycle if your accoint is subject lo an Interest Charge. In your letter. give us the following nktmation: FlOv_ate_you Calculate the Interest Chem? We use a method called Average Daily Balance (including new transactions). • Account information: Your name and account number. 1. First, for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is an error co your bit describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you believe it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next br each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of your letter. Wile number of days in the Riling Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the taming are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Billing Cycle, we multiply your Average Daly Balance for each amount. The charge in question may remain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount But, if we determine that we made a mistake. you multgly the result by the number of days In the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred to as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit hmit. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter, we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the big Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reponed in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried this statement. In good faith to cared the problem with the merchant you may have the right not to pay Code next to How do we calculate your When your APRs) will change the retuning amount due on the purchase. To use this right. the following must your APFt(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR + margin end in Jan.. April. Jay. ard Oct. advances from an ATM or with a check that accesses your credit card account do not qualify. and Prime Rate + margin The first day of each Billing Cycle. 2) You most not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact Row can I Avoid Membership Fees? If a Renewal Notice prehad th statement us in writing at: Capital One. Salt Lake City, UT 84130-0285. While we ou may avoid paying an annual membership Fee by contacting Customer Service no late: investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that pont. if we think you owe an that we close your account. To mod paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact me Service anytime to request ETC-08 ti 2016 Capital One. Capital One is a federaly registered service mark 11i131/16 that we close your account. Changing Mailing Address? 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. You can change your address rnmedatehr at capnalone.com or convict, the information 3. Calling the telephone number listed on the front of this statement and providing the below. and man this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile, online or over the ohms. as of the business day we receive it as bog City as it is made by 8 p.m. ET. • For mall, as of the business day we receive it as long as it is received by 5 p.m. State Zip code local lime at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Plane Please allow at least seven (7) business days for mail delivery. Mailed payments received by us at any other location or payments in any other form may not be Final credited as of the day we receive them. (411 1$ EFTA00123727 Pa 2 of 2 Customer Smite ran.% - Feb. IS, 2017 31 Days in Billing Cyde Capital www.capilaione.com Credit Limit 5750.00 Platinum MasterCard Account ending in Available Credit 5278.88 NB? BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Umit 5100.00 $471.12 $15.00 MIX12,2017 Available Credit for Cash Advances: 5100.00 Previous Balance Payments and Credits Fees and Interest Cbarpid Transactions New Balance Th $166.71 $514.51 $0.00 I $818.92 $471.12 ) ••• TRANSACTIONS CONTINUED TRANSACTIONS FOR (CONTINUED) 7 27 JAN LAGUARDIA USA, LLCNEWYORIOIT $29.50 8 31 JAN WESTJET $199.26 PSGIt ORIG: LGA, DEST: YYZ CARRIER WS SVC: I ORIG: YYZ (AST: LGA 90: 0 CARRIER: WS SVC: I 9 31 JAN PEACH AND LILY8003389152NY 5108.88 10 07 FEB WENDYS 8513GLENMOUTHY $9.16 11 08 FEB MACYS FLUSHINGFWSHINGNY $84.92 12 08 FEB ALDO US 02156WFST NYACKNY $52.17 13 08 FEB EXPRESS00215WEST NYACKNY $78.12 Talellor $818.92 ► TotallarsaclicallikFtiod $818.92 FEES Total Fees This Period $0.00 INTEREST CHARGED Total Interest This Period $0.00 TOTALS YEAR TO DATE Total Fees This Year $0.50 Total Interest This Year $0.00 EFTA00123728 Page 1 of 2 CapitaOne Platinum MasterCard Account Ending in Feb. 16. 2017 - Mar. 15, 2017 I 28 days in Billing Cycle Payment Information •cceunt Summ.ry Payment Due Date For online and phone payments. Previous Balance $471.12 the deadline is 8pm ET. Apr. 12, 2017 Payments - $450.00 New Balance Minimum Payment Due Other Credits $0.00 $295.12 $15.00 Transactions + $270.68 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $3.32 longer to pay off your balance. For example: New Balance = ;295.12 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Mar. 15, 2017) $454.88 Minimum Payment 3 Years $398 Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call Available Credit for Cash Advances $100.00 300083 Make a statement Go paperless. Stop waiting for your bill to arrive in the malt and go paperless today. to Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information capita ; Please send us this portian of your statement and only one check (or one money order) to ensure your payment is processed promptly. Mow at least seven business days for delivery. Pay your bill 400039 Payment Due Date: Apr. 12, 2017 Account Ending in on the go. Pay your bill securely and reviewtransactionswith the New Balance Minimum Payment Due Amount Enclosed Capital One mobile app. $295.12 $15.00 Text nload the app. BROOKLYN. NY 112314-4029 Capital One Bank (USA). N.A. Illurl Charlotte, NC 28272-1063 EFTA00123729 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123730 Page 2 of 2 Capital(* Platinum MasterCard Account Ending in Feb. 16. 2017 . Mar. 15, 2017 I 28 days in Billing Cycle Transactions Interest Charge Calculation Visit ir cum to see detailed transactions. Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Payments, Credits and Adjustments Balance Rate(APR) to Interest Rate Date Description Amount Purchases 23.40% P $184.80 $3.32 Mar 10 Cap 1 ElecPhonePmt VRUAuthDate 10-MAR - $450.00 Cash Advances 25.40% P $0.00 $0.00 Transactions P,L,D,F = Variable Rate. See reverse of page 1 for details. Date Description Amount 300088 7 Feb 14 SUNOCO 0042304602 QPSCLARENCENY $34.09 Track your card's every move. Feb 19 AMAZON MKTPLACE PMTSAMAZON $47.80 c,,, ,.) Get toots to help you manage and track your wending MKTPLAWA in real bme with Capital One Waller. Feb 20 AMAZON MKTPLACE PMTSAMAZON $19.90 MKTPIAWA Feb 27 SEPHORA SCAR TWN CTR $24.17 5SCARBOROUGHON 31.64 CAD 1.309060819 Exchange Rate Feb 28 SUNOCO 0015423703 QPSSYRACUSENY $27.58 Feb 28 PIZZA HUT 317003170859ALBANYNY $17.85 Mar 1 MACYS COLONIE CENTERALBANYNY $13.48 Mar 2 WM SUPERCENTER 13583GLENMONTNY $9.71 Mar 8 EC(ONMOBIL 97375604LITTLE $35.40 FALLSNY Mar 12 EC(ONMOBIL 97375943AMSTERDAMNY $40.70 M Total $270.68 Total Transactions for This Period $270.68 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $3.32 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $3.32 a Total Fees charged in 2017 t017 Totals Year-to-Date $0.50 Total Interest charged in 2017 $3.32 EFTA00123731 Page 1 of 2 Platinum MasterCard Account Ending in Capita Mar. 16. 2017 - Apr. 15. 2017 1 31 days in Billing Cycle Payment Information , cceunt Summ.ry Payment Due Date For online and phone payments, Previous Balance $295.12 the deadline is 8pm ET. May 12, 2017 Payments - $300.00 New Balance Minimum Payment Due Other Credits $0.00 $499.07 $15.00 Transactions + $498.92 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $5.03 longer to pay off your balance. For example: New Balance = $499.07 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Apr. 15, 2017) $250.93 Minimum Payment 6 Years $946 Cash Advance Credit Limit $100.00 $19 3 Years $702 Available Credit for Cash Advances $100.00 Estimated savings if balance is paid off in about 3 years: $244 If you would like information about credit counseling services, call See purchases on your time- 300078 carmi in real time. Capital One Wallet" gives you instant purchase notif cations. And you can lock your card anytime. Account Notifications O New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at viww.capitatone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400035 Make a statement. Payment Due Date: May 12, 2017 Account Ending in Go paperless. Stop waiting for your bill to arrive New Balance Minimum Payment Due Amount Enclosed in the mail and go papedess today $499.07 $15.00 itch to paperless. BROOKLYN. NY 11234-4029 Capital One Bank (USA). N.A. Charlotte. NC 28272-1083 EFTA00123732 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123733 Page 2 of 2 Platinum MasterCard Account Ending In Mar. 16. 2017 Apr. 15, 2017 I 31 days in Billing Cycle Transactions Transactions Continued la Jur!v.'s'', to see detailed transactions. 17 Totals. Year-to-Date Payments, Credits and Adjustments Total Fees charged in 2017 $0.50 Date Description Mount Total Interest charged in 2017 $8.35 Apr 11 Cap 1 ElecPhonePmt VRUAuthDate 11-APR - $300.00 Interest Charge Calculation Transactions Your Annual Percentage Rate (APR) is the annual interest rate on your account. Date Description Amount Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Mar 17 NICKS LIVE LOBSTERSBROOKLYNNY $55.00 Purchases 23.65% P $250.34 $5.03 Mar 19 WM SUPERCENTER 13583GLENMONTNY $86.93 Cash Advances 25.65% P $0.00 $0.00 Mar 22 WAL-MART 113583GLENMONTNY $15.64 Mar 23 GAS BAR 41770 - PUMPKINGSTONON $37.52 P,L,D.F = Variable Rate. See reverse of page 1 for details. 50.00 CAD 1.332622601 Exchange Rate 300086 Mar 27 MAPLE DALE NICE & EQ39BARNEVELDNY $34.97 Get the app designed to save time. Mar 31 Apr 1 AMAZON MKTPLACE PMTSAMZN.COWBILLWA SUNOCO 0395691900 QPSALBANYNY $58.76 $24.37 7j Effortlessly manage your account on the go with the Capital One mobile app. Apr 1 SUNOCO 0867528201 QPSLE ROYNY $30.28 Apr3 SUNOCO 0015416101 $33.56 QPSWESTMORELANDNY Apr 5 AMAZON MKTPLACE $47.00 PMTSAMZN.COWBILLWA Apr 10 AMAZON MKTPLACE $10.97 PMTSAMZN.COWBILLWA Apr 12 E10(ONMOBIL 97376024FRANKFORTNY $30.56 Apr 13 AMAZON MKTPLACE $33.36 PMTSAMZN.COWBILLWA M Total $498.92 Total Transactions for This Period $498.92 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $5.03 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $5.03 EFTA00123734 Page 1 of 2 Platinum MasterCard Account Ending in Capita)One Apr. 16. 2017 May 15. 2017 1 30 days in Billing Cycle - .ym - nt Infirm.tien , cc' Summ.ry Payment Due Date For online and phone payments, Previous Balance $499.07 the deadline is 8pm ET. Jun. 12 I 2017 Payments - $499.07 New Balance Minimum Payment Due Other Credits $0.00 $479.38 $15.00 Transactions + $479.38 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $0.00 longer to pay off your balance. For example: New Balance = $79.38 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of May 15, 2017) $270.62 Minimum Payment 6 Years $881 Cash Advance Credit Limit $100.00 $19 3 Years $674 Available Credit for Cash Advances $100.00 Estimated savings if balance is paid off in about 3 years: $207 If you would like information about credit counseling services, call 300084 II Stay on top of your credit score. Monitor your credit score with CreditWise" built right into the Capital One' mobile app. Account Notifications O New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capilatone.com. Customer Service: See reverse for Important Information Please send us this (Ionian of your statement and only one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400039 Pay your bill Payment Due Date: Jun. 12, 2017 New Balance $479.38 Minimum Payment Due $15.00 Account Ending in Amount Enclosed ' on the go. Pay your bill securely and review transactions with the Capital One' mobile app. Text ONE to 80101 to download the app. Messaging & Data rates may apply. BROOKLYN. NY 1123k-4029 Capital One Bank (USA). N.A. lllurl Charlotte. NC 28272-1083 EFTA00123735 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123736 Page 2 of 2 Capita1O1 Platinum MasterCard Account Ending In Apr. 16, 2017 - May 15, 2017 I 30 days in Billing Cycle 300083 Transactions Make a statement. taloile.t.om to see detailed transactions. Go paperless. Stop waiting for your bill to arrive Payments, Credits and Adjustments in the mail and go paperless today. Date Description Amount Log in to May 5 Cap 1 ElecPhonePmt VRLIAuthDate 05-MAY - $499.07 Transactions Date Description Amount Apr 25 SUNOCO 0015416101 $39.11 QPSWESTMORELANDNY Apr 27 407ETR-INTERNETW00DBRIDGEON $29.01 39.28 CAD 1.354015857 Exchange Rate Apr 30 AmazonPrime $107.79 Membershipamzn.comtprmeWA May 3 EXXONMOBIL 97360002VICTORNY $33.05 May 9 MACYS COLONIE CENTERALBANYNY $270.42 IM Total $479.38 Total Transactions for This Period $479.38 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 017 Totals Year-to Total Fees charged in 2017 $0.50 Total Interest charged in 2017 $8.35 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. TyPe of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 23.65% P $0.00 $0.00 Cash Advances 25.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. EFTA00123737 Page 1 of 2 Platinum MasterCard Account Ending in Capita)One May 16. 2017 - Jun. 15. 2017 l 31 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $479.38 the deadline is 8pm ET. Jul. 12. 2017 Payments - $1,297.30 New Balance Minimum Payment Due Other Credits $0.00 $165.79 $15.00 Transactions + $983.71 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $0.00 longer to pay off your balance. For example: New Balance = $18539 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... a/about... total of.. Available Credit (as of Jun. 15, 2017) $584.21 Minimum Payment 16 Month(s) $194 Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call Available Credit for Cash Advances $100.00 300066 Get the app designed to save time. Effortessly manage your account on the go with the Capital One mobile app. Text ONE to 80101 to download the app. Messaging & Data rates may appall Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capadlone.com. Customer Service: See reverse for Important Information capn ei Please send us this ponim of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days lor delivery. 400035 Make a statement. Payment Due Date: Jul. 12, 2017 Account Ending in Go paperless. Stop waiting for your bill to arrive New Balance Minimum Payment Due Amount Enclosed in the mail and go paperless today. $165.79 $15.00 Log in to your accBIBITMITINIMIhe switch to paperless IMM BROOKLYN. NY 1123N-4029 ital One Bank (USA). N.A. Charlotte. NC 28272-1083 EFTA00123738 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123739 Page 2 of 2 Capital/Kw Platinum MasterCard Account Ending in tidi 15 2017 - Jun. 15, 2017 131 days in Billing Cycle Transactions Transactions Continued Visit ,....coni to see detailed transactions. Interest Charged Payments, Credits and Adjustments Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Date Description Amount May 18 CAPITAL ONE ONLINE PYMTAuthDate - $300.00 Interest Charge on Other Balances $0.00 17-MAY Total Interest for This Period $0.00 Jun 2 Cap 1 ElecPhonePmt VRUAuthDate 02-JUN - $479.38 Jun 9 Cap 1 ElectronicPhonePmtAuthDate 09-JUN - $200.00 Jun 13 CAPITAL ONE ONLINE PYMTAuthDate - $317.92 Total Fees charged in 2017 $0.50 13-JUN Total Interest charged in 2017 $8.35 M Transactions Interest Charge Calculation Date Description Amount Your Annual Percentage Rate (APR) is the annual interest rate on your account. May 19 EXXONMOBIL 97376024FRANKFORTNY $30.78 May 24 COMFORT INNS GLEMONTGLENMONTNY $149.98 Type of Annual Percentage Balance Subject Interest Charge ARRIVE: 05/22/17 DEPART: 05/24/17 Balance Rate(APR) to Interest Rate FOLIOS.: Purchases 23.65% P $0.00 $0.00 PHI.: Cash Advances 25.65% P $0.00 $0.00 May 26 AMAZON MKTPLACE $86.66 PMTSAMZN.COM/BILLWA P,L,D,F = Variable Rate. See reverse of page 1 for details. Jun 1 IMONMOBIL 97376024FRANKFORTNY $33.53 Jun 2 ESSOSCARBOROUGHON $44.57 300085 60.00 CAD II Protect your credit score. 1.346196993 Exchange Rate Jun 4 SPEEDWAY 07670LIVERPOOLNY $36.87 Detect fraud with automatic alerts if your credit report changes with CreditWlse—built right into the Capital One mobile apµ Jun 5 CMSVEND*PRESTIGE SERVIHALFMOONNY $1.25 Jun 6 CARON SHOES BOUTIQUE $99.89 109083525074NJ Jun 8 SUNOCO 0042304602 QPSCLARENCENY $34.43 Jun 8 COMFORT INNS GLEMONTGLENMONTNY $299.96 ARRIVE: 06/04/17 DEPART: 06/08/17 FOLIO*: PIM: Jun 12 PENINSULA (QUEENSTON-LNIAGARA $164.54 FALLSON 221.00 CAD 1.343138447 Exchange Rate Jun 12 CMSVEND•PRESTIGE SERVIHALFMOONNY $1.25 Total $983.71 Total Transactions for This Period $983.71 IF Dab Description Amount Total Fees for This Period $0.00 EFTA00123740 Page 1 of 2 capitajOne Platinum MasterCard Account Ending in Jun. 16. 2017 - Jul. 15, 2017 I 30 days in Billing Cycle Payment Information •cceunt Summ.ry Payment Due Date For online and phone payments, Previous Balance $165.79 the deadline is 8pm ET. Aug. 12, 2017 Payments - $460.00 New Balance Minimum Payment Due Other Credits $0.00 $446.82 $19.00 Transactions + $728.04 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $12.99 longer to pay off your balance. For example: New Balance = $446.82 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Jul. 15, 2017) $303.18 Minimum Payment 5 Years $773 Cash Advance Credit Limit $100.00 If you would like intonation about credit counseling services, call Available Credit for Cash Advances $100.00 Your annual fee of $29 will be charged on your 08/2017 statement. Account Notifications w New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, Renewal Notice - Your 08/2017 bill will include your $29.00 annual membership fee. The reverse of this page explains how you may close fees, and grace periods. Contact the New York State Department of your account and avoid this fee. Both sides of this page provide Financial Services: or www.dfs.ny.gov. important information about your rate(s) and how your interest charge is calculated. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400039 Pay your bill Payment Due Date: Aug. 12, 2017 Account Ending in on the go. Pay your bill securely and review transactions with the New Balance Minimum Payment Due Amount Enclosed Capital One mobile app. $446.82 $19.00 Text ONE to 80101 to download the app. BROOKLYN. NY 1123'4-'4029 Capital One Bank (USA). N.A. Illurl Charlotte, NC 28272-1063 EFTA00123741 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123742 Page 2 of 2 Platinum MasterCard Account Ending in Jun. 16. 2017 - Jul. 15, 2017 I 30 days in Billing Cycle Transactions Transactions Continued taluite.com to see detailed transactions. S1 daYe±sr-to-Date Payments, Credits and Adjustments Total Fees charged in 2017 $0.50 Date Description Amount Total Interest charged In 2017 $21.34 Jun 18 Cap 1 ElectronicPhonePmtAuthDate 17-JUN - $160.00 Jul 13 Cap 1 ElecPhonePmt VRUAuthDate 13-JUL - $300.00 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Transactions Type of Annual Percentage Balance Subject Interest Charge Balance RatetAPFO to Interest Rate Date Description Amount Purchases 23.90% P $661.10 $12.99 Jun 15 SUNOCO 0723331501 QPSRUBYNY $34.74 Cash Advances 25.90% P $0.00 $0.00 Jun 15 COMFORT INNS GLEMONTGLENMONTNY $224.97 ARRIVE: 06/12/17 DEPART: 06/15117 FOLIOS/. P,L,D,F = Variable Rate. See reverse of page 1 for details. PIM: Jun 17 WESTJET $117.89 300086 Jun 17 PSGR: ORIG: YYZ, DEST: LGA CARRIER: WS SVC: I WESTJET $257.15 , Get the app designed to save time. Effortlessly manage your account on the go with the Capital One mobile app. PSGR: ORIG: LGA, DEST: YY7 S/0: 0 CARRIER: WS SVC: L Jun 18 CheapTix* $10.98 Jun 22 SUNOCO 0668591101 QPSMODENANY $29.22 Jun29 CMSVEND'PRESTIGE SERVINALFMOONNY $1.50 Jun29 SUNOCO 0395691900 QPSALBANYNY $25.81 Jul 7 EXXONMOBIL 97375604LITTLE $25.78 FALLSNY I= Total $728.04 Total Transactions for This Period $728.04 Fees Date Description Amount Total Fees for This Period $0.00 Interest Charged Interest Charge on Purchases $12.99 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $12.99 EFTA00123743 Page 1 of 2 Platinum MasterCard Account Ending in capitajOne Jul. 16. 2017 Aug. 15. 2017 I 31 days in Billing Cycle Payment Information •cceunt Summ.ry Payment Due Date For online and phone payments. Previous Balance $446.82 the deadline is 8pm ET. Sep. 12, 2017 Payments - $125.00 New Balance Minimum Payment Due Other Credits - $10.89 $790.59 $24.00 Transactions + $436.42 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $29.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $14.24 longer to pay off your balance. For example: New Balance = $790.59 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Aug. 15, 2017) $0.00 Minimum Payment 10 Years $1.874 Cash Advance Credit Limit $100.00 $31 3 Years $1,115 Available Credit for Cash Advances $0.00 Estimated savings if balance is paid off in about 3 years: $759 If you would like information about credit counseling services, call 300077 Manage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One mobile app. Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, 0 Your account has gone over its credit limit. In addition to your required minimum payment, please pay enough to bring your account balance fees, and grace periods. Contact the New York State Department of below your credit limit to avoid the possibility of being declined. Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at .aw.v.capitalone.com. Customer Service: See reverse for Important Information capn h, Please send us this potion of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Get the app designed 400038 to save time. Payment Due Date: Sep. 12, 2017 New Balance $790.59 Minimum Payment Due $24.00 Account Ending in Amount Enclosed 7 Effortlessly manage your account on the go with the Capital One° mobile app. Text ONE to 801 pp. PAessaging& BROOKLYN. NY 11234-4029 Ca i ta 1 One Bank (USA). N.A. Mod Carol Stream. IL 60197-64,2 II EFTA00123744 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123745 Page 2 of 2 Capitalaw Platinum MasterCard Account Ending in - Jul. 16. 2017 Aug. 15, 2017 I 31 days in Billing Cycle Transactions Interest Charge Calculation Visit Lulu to see detailed transactions. Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Payments, Credits and Adjustments Balance Rate(APR) to Interest Rate Date Description Amount Purchases 23.90% P $701.61 $14.24 Jul 17 PETLAND DISCNTS Ii66BROOKLYNNY - $10.89 Cash Advances 25.90% P $0.00 $0.00 Aug 9 Cap 1 ElecPhonePmt VRUAuthDate 08-AUG - $125.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. ME: Transactions 300:18-1 Date Description Amount Jul 16 EXXONMOBIL 97360267PORT BYRONNY $26.54 Stay on top of your credit score. Monitor your credit score with CreditWiSe. Jul 17 PETLAND DISCNTS //66BROOKLYNNY $241.64 built right into the Capital One mobile app. Aug 10 WINNERS 423TORONTOON $78.90 100.00 CAD ,Irrin141:1FriTiTL 'Ply 1.267427123 Exchange Rate Aug 11 AMAZON MKTPLACE $23.78 PMTSAMZN.COMMILLWA Aug 13 IECCONMOBIL 97360424WEST $33.04 HENRIETTNY Aug 13 SUNOCO 0668591101 QPSMODENANY $32.52 Total $436.42 Total Transactions for This Period $436.42 Date Description Amount Aug 15 CAPITAL ONE MEMBER FEE $29.00 Total Fees for This Period $29.00 Interest Charge on Purchases $14.24 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $14.24 2017 Totals Yea r-to-MEMI r Total Fees charged in 2017 $29.50 Total Interest charged in 2017 $35.58 EFTA00123746 Page 1 of 4 Platinum MasterCard Account Ending in MI Capita Aug. 16. 2017 Sep. 15. 2017 31 cays in Billing Cycle Payment Information , e Summ.ry Payment Due Date For online and phone payments. Previous Balance $790.59 the deadline is 8pm ET. Oct. 12 2017 Payments - $530.00 New Balance Minimum Payment Due Other Credits $0.00 $567.12 $22.00 Transactions + $292.62 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to 819.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $13.91 longer to pay off your balance. For example: New Balance = $587.12 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Sep. 15, 2017) $182.88 Minimum Payment 7 Years 51,163 Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call Available Credit for Cash Advances $100.00 300086 Get the app designed to save time. 7 Effortlessly manage your account on the go with the Capital One mobile app. Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.cap.talone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and only one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days lor delivery. 400039 Pay your bill Payment Due Date: Oct 12, 2017 Account Ending in on the go. Pay your bill securely and review transactions with the New Balance Minimum Payment Due Amount Enclosed Capital One' mobile app. $567.12 $22.00 Text ONE to 80101 to download the app. Nimaging&Dataratesmayapply. BROOKLYN, NY 11234-4029 Capital One Bank (USA). N.A. Illurl Carol Stream, IL 60197-6492 EFTA00123747 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123748 Page 2 of 4 Capitapi Platinum MasterCard Account Ending in IM Aug. 16. 2017 . Sep. 15. 2017 I 31 days in Billing Cycle Transactions Interest Charge Calculation Visit ,.cons to see detailed transactions. Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Payments, Credits and Adjustments Balance Rate(APR) to Interest Rate Date Description Amount Purchases 23.90% P $685.37 $13.91 Aug 23 Cap 1 ElecPhonePmt VRUAuthDate 23-AUG - $100.00 Cash Advances 25.90% P $0.00 $0.00 Aug 29 CAPITAL ONE ONLINE PYMTAuthDate - $280.00 29-AUG P,L,D,F = Variable Rate. See reverse of page 1 for details. Sep 11 Cap 1 ElecPhonePmt VRUAuthDate 11-SEP - $150.00 300085 M Transactions Date Aug30 Description AMAZON MKTPLACE PMTSAMZN.COM/BILLWA Amount $9.37 Ill Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CredidnAse—buit right into the Capital One mobile app. Aug30 AMAZON MKTPLACE $23.78 PMTSAMZN.COM/BILLWA Aug 31 POPEYES CHICKEN 11BROOKLYNNY $21.78 Aug 31 WALGREENS #2650BROOKLYNNY $20.97 Aug 31 $211.62 PSGR: MISS ORIG: LGA, DEST: YYZ CARRIER: WS SVC: I ORIG: YYZ, DEST: LGA 510:0 CARRIER: WS SVC: I Sep 1 BURGER KING #4723 Q07BROOKLYNNY $5.10 l i Trasl 1909 A9 Total Transactions for This Period 5292.62 Fees a Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $13.91 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $13.91 2017 Totals Year-to-O r Total Fees charged in 2017 $29.50 Total Interest charged in 2017 $49.49 EFTA00123749 Rev. 07/2017 BR402832 RV600273 M-122663 201245 Capital - ' FACTS WHAT DOES CAPITAL ONE' DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives Why? 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. The types of personal information we collect and share depend on the product or service What? 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 Does Capital One Can you Nmit this share? sharing? For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and YES NO legal investigations, or report to credit bureaus 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 Call us toll free at and one of our representatives will update your To limit our privacy choices. sharing Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. If you're an existing customer and have opted out previously, you don't need to update your privacy choices again. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Go to capitalone.com/privacy or capitalone.com/contactus. Please Recycle EFTA00123750 Page 2 Who we are Who is providing this notice? Our affiliates include financial companies with the Capital One, Chevy Chase, Onyx, Paribus, and Greenpoint names, such as Capital One Bank (USA), National Association; and Capital One, National Association. What we do How does Capital One To protect your personal information from unauthorized access and use, we protect my personal use security measures that comply with federal law. These measures include information? computer safeguards and secured files and buildings. How does Capital One collect my We collect your personal information, for example, when you: personal information? • 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 Your choices will apply to everyone on your account. sharing for an account I hold jointly with someone else? Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include financial companies with the Capital One, Chevy Chase, Onyx, Paribus, and Greenpoint names, such as Capital One Bank (USA), National Association; and Capital One, National Association. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonaffiliates we share with can include insurance companies, service providers, co-brandedpartners, 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 your information with companies outside of Capital One, except for our everyday business purposes, for marketing our products and services to you, or with your consent. VT Residents only: We will not disclose credit information about you within or outside the Capital One family of companies except as required or permitted by law. • otice provided pursuant to state law. To be placed on our internal Do Not Call List, call d like more information about tel nay contact us at Capital One. , Salt Lake City, UT 84130-0285 or aw, contact Bureau o Consumer Protecti ' Nevad Las Vegas, NV 89101; Phone number: ; e-mail: Telephone Communications: All telephone communications with us or our authorized agents may be monitored or recorded. 0 2017 Capital One. Capital One is a federally registered service mark. EFTA00123751 Page 1 of 2 Platinum MasterCard Account Ending in MI capitajOne Sep. 16. 2017 Oct. 15. 2017 30 cays in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments. Previous Balance $567.12 the deadline is 8pm ET. Nov. 12, 2017 Payments $0.00 New Balance Minimum Payment Due Other Credits $0.00 $597.42 $60.00 Transactions + $0.00 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $19.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $11.30 longer to pay off your balance. For example: New Balance = $597.42 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estima Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Oct. 15, 2017) $152.58 Minimum Payment 8 Years $1,220 Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call Available Credit for Cash Advances $100.00 300080 O Get your account back on track. Visit capitalone.com to make a payment today. Account Notifications ith For questions about this account, please give us a call at C) New York residents may contact the New York State Department of 1-800-955-6600. We'll be glad to help you Monday through Friday from Financial Services to obtain a comparative listing of credit card rates, 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. fees, and grace periods. Contact the New York State Department of ET. Financial Services: or www.dfs.ny.gov. Additional notifications on page 2 Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this pollen of your statement and only one check for one money ode) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400031 Payment Due Date: Nov. 12, 2017 New Balance $597.42 Minimum Payment Due $60.00 Account Ending in i= Amount Enclosed 3 Manage your account on your time. You can access account information on our secure website anytime, 24/7. Manage your account at capitalone.com BROOKLYN. NY 11234-4029 Ca ital One Bank (USA). N.A. Mud Carol Stream. IL 60197-6492 EFTA00123752 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123753 Page 2 of 2 Capita(}j )4,1 Platinum MasterCard Account Ending in Sep. 16. 2017 - Oct. 15. 2017 130 days in Billing Cycle Transactions 300077 Manage your account Date Visit Description ".nom to see detailed transactions. Payments, Credits and Adjustments Amount 7 Text ONE to i Py . anywhere, anytime. b"l la:ItCiTletirenoasb:dapp with the Ca rno.re Transactions Date Description Amount Date Description Amount Oct 12 PAST DUE FEE $19.00 Total Fees for This Period $19.00 Interest Charge on Purchases $11.30 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $11.30 ot Total Fees charged in 2017 $48.50 Total Interest charged in 2017 $60.79 i_ Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 23.90% P $575.07 $11.30 Cash Advances 25.90% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Additional Account Notifications w You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future. we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123754 Page 1 of 2 Capital(Al Platinum MasterCard Account Ending in MI Oct. 16, 2017 - Nov. 15, 2017 I 31 days in Billing Cycle Payment Information •cceunt Summ.ry Payment Due Date For online and phone payments. Previous Balance $597.42 ........... opm Li. Dec. 12, 2U1/ Payments - $400.00 New Balance Minimum Payment Due Other Credits - $0.10 $604.86 $20.00 Transactions + $395.85 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $11.69 longer to pay off your balance. For example: New Balance = $604.86 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Nov. 15, 2017) $145.14 Minimum Payment 8 Years $1,289 Cash Advance Credit Limit $100.00 • $24 3 Years $853 Available Credit for Cash Advances $100.00 Estimated savings if balance is paid off in about 3 years: $436 If you would like information about credit counseling services, call 300085 II Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CredihMse—built right into the Capital Ong mobile app. Text ONE to 80101 to download the app. Messaging I. Data rates m Account Notifications (D New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and on one check (or one money Wm) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400039 Pay your bill Payment Due Date: Dec. 12, 2017 Account Ending in on the go. Pay your bill securely and review transactions with the New Balance Minimum Payment Due Amount Enclosed Capital One mobile app. $604.86 $20.00 Text ONE to 80101 to download the app. Messaging & Data rates may apply. BROOKLYN. NY 11.23N-4029 capital One Bank (USA), N.A. Iliad Carol Stream. IL 60197-6492 11 EFTA00123755 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123756 Page 2 of 2 Capital()j' Platinum MasterCard Account Ending in MI Oct. 16. 2017 - Nov. 15, 2017 131 days in Billing Cycle Transactions Transactions Continued Visit www.capitaione.com to see detailed transactions. 17 Totals Year-to-Date Payments, Credits and Adjustments Total Fees charged in 2017 $48.50 Date Description Amount Total Interest charged In 2017 $72.38 Oct 15 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 15-Oct Interest Charge Calculation Oct 15 INTEREST CHARGE ADJUSTMENT -$0.10 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Nov 1 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 30-Oct Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Nov 13 CAPITAL ONE ONLINE PYMTAuthDate - $100.00 12-Nov Purchases 23.90% P $575.65 $11.69 Cash Advances 25.90% P $0.00 $0.00 Transactions P,L,D,F = Variable Rate. See reverse of page 1 for details. Date Description Mount Oct 18 RITE AID STORE - 4935BROOKLYNNY $4.93 300086 Oct 18 Oct 30 Oct 30 MCDONALD'S F4731BROOKLYNNY CheapTix• AMERICAN $21.44 $7.49 $114.18 7 7 Get the app designed to save time. Effortlessly manage your account on the go with the Capital One mobile app. PSGR: ORIG: LGA, DEST: YYZ WO: 0 CARRIER: AA SVC: S Oct 30 WESTJET $110.96 PSGR: ORIG: YYZ, DEST: LGA CARRIER: WS SVC: I Nov 2 MALSON'S JEWELRY KINGSBROOKLYNNY $70.00 Nov 6 AMAZON MKTPLACE $66.85 PMTSAMZN.COM/BILLWA Total $395.85 Total Transactions for This Period $395.85 Date Description Amount Total Fees for This Period $0.00 Interest Charged Interest Charge on Purchases $11.69 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $11.69 EFTA00123757 Page 1 of 2 Capita ' Platinum MasterCard Account Ending in MI Nov. 16. 2017 Dec. 15. 2017 30 cays in Billing Cycle - .ym • nt Infirm.tirn •cceunt Summ.ry Payment Due Date For online and phone payments. Previous Balance $604.86 the deadline is 8pm ET. Jan. 12, 2018 Payments $200.00 New Balance Minimum Payment Due Other Credits $0.00 $734.14 $22.00 Transactions + $317.00 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $12.28 longer to pay off your balance. For example: New Balance = $734.14 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Dec. 15, 2017) $15.86 Minimum Payment 10 Years $1.697 Cash Advance Credit Limit $100.00 $29 3 Years $1,036 Available Credit for Cash Advances $15.86 Estimated savings if balance is paid off in about 3 years: $661 If you would like information about credit counseling services, call 300077 Manage your account ci anywhere, anytime. Pay your bill, set up alerts and more with the Capital One mobile app. Account Notifications O New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at vdvdw.capitalone.com. Customer Service: See reverse for Important Information Please send us this amine of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400038 Get the app designed to save time. Payment Due Date: Jan. 12, 2018 New Balance $734.14 Minimum Payment Due $22.00 Account Ending in NM Amount Enclosed 7 Effortlessly manage your account on the go with the Capital One mobile app. Text ONE to 80101 to download the app. Messaging & Data rates may apply. BROOKLYN. NY 11234-4029 Capital One Bank (USA). N.A. Illurl Carol Stream. IL 60197-6492 rrllllrrrquglullhllPhlrplltlllllllluhhNdlNuullrll 15 EFTA00123758 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123759 Page 2 of 2 Capitalaw Platinum MasterCard Account Ending in IM Nov. 16, 2017 - Dec. 15, 2017 I 30 days in Billing Cycle 300084 Transactions Date Visit Description Loin to see detailed transactions. : Payments, Credits and Adjustments Amount ei Stay on top of your credit score. 'vtonitoc your credit score with CreditWise' wilt right into the Capital One mobile app. Text ONE to 80101to download the app. Messaging & Data ;cites may apply. Nov 29 CAPITAL ONE ONLINE PYMTAuthDate - $200.00 28-Nov M Transactions Date Description Amount Nov 23 SEPHORA.COM877-SEPHORACA $36.58 Nov 24 CARON SHOES BOUTIQUE $72.68 109083525074NJ Dec 5 DAYS INN & SUITESALBANYNY $50.87 ARRIVE: 12/04/17 DEPART: 12)05117 FOLIOS,: Pile: Dec 10 KEY FOODS 41460BROOKLYNNY $104.37 Dec 12 TOLLS BY MAIL800-333-8655NY $52.50 M Total $317.00 Total Transactions for This Period $317.00 Date Description Amount Total Fees for This Period $0.00 Interest Charged Interest Charge on Purchases $12.28 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $12.28 P P 2017 Totals Year-to•D Total Fees charged in 2017 $48.50 Total Interest charged In 2017 $84.66 Interest Charge Calculation Yaur Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rattan° to Interest Rate Purchases 23.90% P $625.25 $12.28 Cash Advances 25.90% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. EFTA00123760 Page 1 of 2 Platinum MasterCard Account Ending in MI capitajOne Dec. 16, 2017 Jan. 15. 2018 31 cays in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments. Previous Balance $734.14 the deadline is 8pm ET. Feb. 12. 2018 Payments - $300.00 New Balance Minimum Payment Due Other Credits $0.00 $569.19 $22.00 Transactions + $120.81 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to 819.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $14.24 longer to pay off your balance. For example: New Balance = $569.19 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimat Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Jan. 15, 2018) $180.81 Minimum Payment 7 Years $1.179 Cash Advance Credit Limit $100.00 If you would like intonation about credit counseling services, call Available Credit for Cash Advances $100.00 300086 Get the app designed to save time. Effortlessly manage your account on the go with the Capital One mobile app. Text ONE to 601011:0 Account Notifications O New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and ony one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400039 Pay your bill Payment Due Date: Feb. 12, 2018 Account Ending in on the go. Pay your bill securely and review transactions with the New Balance Minimum Payment Due Amount Enclosed Capital One mobile app. $569.19 $22.00 lin Text ONE to 80101 to download the app. Messaging & Data rates may apply. ==. BROOKLYN. NY 11234-4029 Ca ital One Bank (USA). N.A. Illml Carol Stream. IL 60197-6492 1 15 EFTA00123761 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123762 Page 2 of 2 Capitala V Platinum MasterCard Account Ending in MI Dec. 16. 2017 Jan. 15. 2018 31 days in Billing Cycle 300084 Transactions visit www.capnaloue.com to see detailed transactions. Stay on top of your credit score. Vonitof your credit score with CreditWise' Guilt right into the Capital One' mobile app. Payments, Credits and Adjustments Date Description Amount Text ONE to 80101to download the app. Messaging & Data rates may apply. Dec 26 CAPITAL ONE ONLINE PYMTAuthDate - 5150.00 26-Dec Jan 12 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 12-Jan Transactions Date Description Amount Dec 28 AMAZON MKTPLACE PMTS $41.80 WWWW.AMAZON.COWA Dec 28 AMAZON MKTPLACE $41.99 PMTSAMZN.COM/BILLWA Dec 28 CARON SHOES BOUTIQUE $37.02 I09083525074NJ = Total $120.81 Total Transactions for This Period $120.81 Fees Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $14.24 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $14.24 1 7 -, # ate Total Fees charged in 2017 $0.00 Total Interest charged in 2017 $14.24 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.15% P $694.29 $14.24 Cash Advances 26.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. EFTA00123763 Page 1 of 2 Capitayke Platinum MasterCard Account Ending in MI Jan. 16, 2018 - Feb. 15. 2018 I 31 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $569.19 the deadline is 8pm ET. Mar. 12, 2018 Payments - $767.21 New Balance Minimum Payment Due Other Credits $0.00 $689.50 $15.00 Transactions + $882.32 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $5.20 longer to pay off your balance. For example: New Balance = $689.50 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Feb. 15, 2018) $60.50 Minimum Payment 9 Years $1,583 Cash Advance Credit Limit $100.00 $27 3 Years $976 Available Credit for Cash Advances $60.50 Estimated savings if balance is paid off in about 3 years: $607 If you would like information about credit counseling services, call 300083 : Make a statement Go paperless. Stop waiting for your bill to arrive M the mail and go paperless today Log in to your account to make the switch to paperless. 1 Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400038 Get the app designed to save time. Payment Due Date: Mar. 12, 2018 Account Ending in NM Effortlessly manage your account on the go with New Balance Minimum Payment Due Amount Enclosed the Capital Ones mobile app. $689.50 $15.00 Text ONE to 80101 to download the app. Messaging & Data rates may apply. BROOKLYN. NY 11234-4029 Capital One Bank (USA), N.A. Illurl Carol Stream, IL 60197-6492 1 15 EFTA00123764 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123765 Page 2 of 2 CapitalflV Platinum MasterCard Account Ending in Mi Jan. 16. 2018 Feb. 15. 2018 31 days in Billing Cycle Transactions Transactions Continued Visit www.capitalone.com to see detailed transactions. I 2018 Totals Year-to-Date Payments, Credits and Adjustments Total Fees charged in 2018 $0.00 Date Description Amount Total Interest charged in 2018 $19.44 Jan 29 CAPITAL ONE ONLINE PYMTAuthDate - $400.00 29-Jan Interest Charge Calculation Jan 31 CAPITAL ONE ONLINE PYMTAuthDate - $267.21 31-Jan Your Annual Percentage Rate (APR) is the annual interest rate on your account. Feb 7 CAPITAL ONE ONLINE PYMTAuthDate - $100.00 Type of Annual Percentage Balance Subject Interest Charge 07-Feb Balance Rate(APR) to Interest Rate Purchases 24.15% P $253.54 $5.20 Transactions Cash Advances 26.15% P $0.00 $0.00 Date Description Amount P,L,D,F = Variable Rate. See reverse of page 1 for details. Jan 17 ALBANY PARKING AUTHORIALBANYNY $0.25 Jan 17 ALBANY PARKING AUTHORIALBANYNY $2.50 300085 II Protect your credit score. Jan 18 ALBANY PARKING AUTHORIALBANYNY $0.25 Jan 18 ALBANY PARKING AUTHORIALBANYNY $0.25 Detect fraud with automatic alerts if your credit report charges with CreditWise—built right into the Capital One mobile app. Jan 18 ALBANY PARKING AUTHORIALBANYNY $2.50 Jan 2O PETROCANSCARBOROUGHON $55.31 68.74 CAD 1.242813234 Exchange Rate Jan 21 EXXONMOBIL 9736O267PORT BYRONNY $32.71 Jan 22 ALBANY PARKING AUTHORIALBANYNY $4.25 Feb 2 UNIVERSITY CLUB ALBALBANYNY $667.98 Feb 6 AMAZON MKTPLACE $42.23 PMTSAMZN.COWBILLWA Feb 6 WM SUPERCENTER 13583GLENMONTNY $35.76 Feb 11 SUNOCO 0042306102 QPSCLIFTON $38.33 SPRINNY = Total $882.32 Total Transactions for This Period $882.32 Date Description Amount Total Fees for This Period $0.00 t i rest Charged Interest Charge on Purchases $5.20 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $5.20 EFTA00123766 Page 1 of 2 Platinum MasterCard Account Ending in MI capitajOne Feb. 16, 2018. Mar. 15. 2018 I 28 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $689.50 the deadline is 8pm ET. Apr. 12, 2018 Payments - $839.50 New Balance Minimum Payment Due Other Credits $0.00 $557.91 $15.00 Transactions + $707.91 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $0.00 longer to pay off your balance. For example: New Balance = $557.91 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... Available Credit (as of Mar. 15, 2018) $192.09 Minimum Payment 7 Years $1.155 Cash Advance Credit Limit $100.00 $22 3 Years $790 Available Credit for Cash Advances $100.00 Estimated savings if balance is paid off in about 3 years: $365 If you would like information about credit counseling services, call 111 Stay on top of your credit score. Monitor your credit score with CreditWise built right into the Capital One mobile app. Text ONE to 80101to download the app. Messaging & Data rates may apply. Account Notifications w New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates. fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information capit ; Please send us this portion of your statement and ony one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. Pay your bill 400039 Payment Due Date: Apr. 12, 2018 Account Ending in NM on the go. Pay your bill securely and review transactions with the New Balance Minimum Payment Due Amount Enclosed Capital One mobile app. $557.91 $15.00 Text ONE to 80101 nload the app. Messaging & BROOKLYN. NY 11234-4029 Ca i ta I One Bank (USA), N.A. Illurl Carol Stream. IL 60197-64,2 1 15 EFTA00123767 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123768 Page 2 of 2 Capitala Platinum MasterCard Account Ending in I= Feb. 16, 2018 - Mar. 15, 2018 128 days in Billing Cycle 300086 Transactions Get the app designed to save time. Visit r.(.1)111 to see detailed transactions. Effortlessly manage your account on the go with the Capital One' mobile app. Payments, Credits and Adjustments Date Description Amount Feb 27 CAPITAL ONE ONLINE PYMTAuthDate - $689.50 27-Feb Mar 13 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 13-Mar M Transactions Date Description Amount Feb 27 WAL-MART 113583GLENMONTNY $52.37 Mar 2 UNIVERSITY CLUB ALBALBANYNY $655.54 M Total $707.91 Total Transactions for This Period $707.91 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 2018 Totals Year-to-D Total Fees charged in 2018 $0.00 Total Interest charged in 2018 $19.44 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type 01 Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.15% P $0.00 $0.00 Cash Advances 26.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. EFTA00123769 ^$, Page 1 of 2 capitapne Platinum MasterCard Account Ending in MI Mar. 16, 2018 - Apr. 15. 2018 I 31 days in Billing Cycle Payment Information , . Summ-ry Payment Due Date For online and phone payments, Previous Balance $557.91 the deadline is 8pm ET. May 12, 2018 Payments - $557.91 New Balance Minimum Payment Due Other Credits $0.00 $655.54 $15.00 Transactions + $655.54 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $0.00 longer to pay off your balance. For example: New Balance = $655.54 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of... Available Credit (as of Apr. 15, 2018) $94.46 Minimum Payment 9 Years $1.490 Cash Advance Credit Limit $100.00 526 3 Years $931 Available Credit for Cash Advances $94.46 Estimated savings if balance is paid off in about 3 years: $559 If you would like information about credit counseling services, call 300377 Manage your account 7 anywhere, anytime. Pay your bill, set up alerts and more with the Capital One mobile app. Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates. fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and onty one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400035 Make a statement. Payment Due Date: May 12, 2018 Account Ending in NM Go paperless. Stop waiting for your bill to arrive New Balance Minimum Payment Due Amount Enclosed in the mail and yo papedess today. $655.54 $15.00 a Lo BROOKLYN. NY 11234-4029 Capital One Bank (USA). N.A. Illurl Carol Stream. IL 60197-6492 1 15 EFTA00123770 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123771 Page 2 of 2 Capita01 w Platinum MasterCard Account Ending in IM Mar. 16, 2018 - Apr. 15, 2018 I 31 days in Billing Cycle 300085 Transactions Protect your credit score. Visit ,i.t.t/III to see detailed transactions. Detect fraud with automatic alerts if your credit report changes with CreditWtst-tuit right into the Capital Ong mobile app. Payments, Credits and Adjustments Date Description Amount Mar 31 CAPITAL ONE ONLINE PYMTAuthDate - $557.91 31-Mar M Transactions Date Description Amount Apr 3 UNIVERSITY CLUB ALBALBANYNY $655.54 IM Total $655.54 Total Transactions for This Period $655.54 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 018 Totals Year-to Total Fees charged in 2018 $0.00 Total Interest charged in 2018 $19.44 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.40% P $0.00 $0.00 Cash Advances 26.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. EFTA00123772 Page 1 of 3 Capita - Platinum MasterCard Account Ending in IM Apr. 16, 2018 . May 15. 2018 I 30 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments. Previous Balance $655.54 the deadline is 8pm ET. Jun. 12, 2018 Payments - $805.54 New Balance Minimum Payment Due Other Credits $0.00 $533.65 $20.00 Transactions + $655.54 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $15.00 MINIMUM PAYMENT WARNING: If you make only the minimum A payment each period, you will pay more in interest and it will take you Interest Charged + $13.11 longer to pay off your balance. For example: New Balance = $533.65 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 in about... total of.. Available Credit (as of May 15, 2018) $216.35 Minimum Payment 7 Years $1.079 Cash Advance Credit Limit $100.00 $21 3 Years I $758 Available Credit for Cash Advances $100.00 Estimated savings if balance is paid off in about 3 years: $321 If you would like information about credit counseling services, call 300003 Make a statement Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. L Account Notifications New York residents may contact the New York State Department of This statement includes a notice of important changes to your account Financial Services to obtain a comparative listing of credit card rates. terms. fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Additional notifications on page 1 Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and only one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. anti Get the app designed to save time. Payment Due Date: Jun. 12, 2018 New Balance $533.65 Minimum Payment Due $20.00 Account Ending in I= Amount Enclosed 7 — Effortlessly manage your account on the go with the Capital One* mobile app. Text ONE to 80101 Messaging & BROOKLYN. NY 1123'-'029 Ca i ta I One Bank (LISA), N.A. Illurl Carol Stream. IL 60197-6N92 II 1 15 EFTA00123773 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123774 Page 2 of 3 Capitala le Platinum MasterCard Account Ending in IM Apr. 16. 2018 - May 15. 2018 I 30 days in Billing Cycle Transactions Additional Account Notifications Visit e.t.t1Ill to see detailed transactions. 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. Payments, Credits and Adjustments we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Date Description Amount Apr 30 CAPITAL ONE ONLINE PYMTAuthDate - $655.54 30-Apr 3000$6 May 14 CAPITAL ONE ONLINE PYMTAuthDate 14-May Transactions - $150.00 ,I Get the app designed to save time. Effortlessly manage your account on the go with the Capital One' mobile app. Date Description Amount Apr 30 Returned Online ACH Payment $655.54 M Total $655.54 Total Transactions for This Period $655.54 Fees Date Description Amount May 12 PAST DUE FEE $15.00 Total Fees for This Period $15.00 Interest Charge on Purchases $13.11 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $13.11 Total Fees charged in 2018 $15.00 Total Interest charged In 2018 $32.55 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Typo M Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.40% P $653.93 $13.11 Cash Advances 26.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. EFTA00123775 201269 capitajoce Regarding your account ending in. Important Notice of a Change in Terms Please review the Important Change to Your Account Terms below and keep this information for your records. All other account terms and conditions are unchanged. Important Changes to Your Account Terms The following change to the Late Payment Fee will take effect on July 22, 2018. You have the right to reject this change until 8 p.m. ET on July 21, 2018 by calling 1-877-282-0513. If you reject this change, your account will be closed. Revised Terms, as of July 22, 2018 Late Payment Fee Up to $38. Late payment fees will be based on the amount of the minimum payment due and whether the account was late during the previous six billing cycles. If you have questions about this change, please call us at between 8 a.m. and 8 p.m. ET. EFTA00123776 Page 1 of 2 CapitaOne Platinum MasterCard Account Ending in May 16, 2018 Jun. 15. 2018 31 lays in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments. Previous Balance $533.65 the deadline is 8pm ET. Jul. 12. 2018 Payments $234.00 New Balance Minimum Payment Due Other Credits $0.00 $309.35 $15.00 Transactions + $0.00 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $9.70 longer to pay off your balance. For example: New Balance = $309.35 It you make no You will pay off I And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Jun. 15, 2018) $440.65 Minimum Payment 3 Years $433 Cash Advance Credit Limit $100.00 If you would like intonation about credit counseling services, call Available Credit for Cash Advances $100.00 300084 Stay on top of your credit score. Monitor your credit score with CreditWise built right into the Capital One mobile app. Text ONE to 80101to download the app. Messaging & Data rates may apply. Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at ,...ww.capi talone.com. Customer Service: See reverse for Important Information Please send us this portXn of your statement and only one check (or one money owlet) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400035 Make a statement. Payment Due Date: Jul. 12, 2018 Account Ending in I= Go paperless. Stop waiting for your bill to arrive New Balance Minimum Payment Due Amount Enclosed in the mail and go paperless today. $309.35 $15.00 Log in to your account to make the switch to pape4e BROOKLYN, NY 11234-4029 Ca ital One Red Carol Stream. IL 60197-6492 15 EFTA00123777 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123778 Page 2 of 2 CapitalO Platinum MasterCard Account Ending in IM May 16, 2018 - Jun. 15. 2018 I 31 days in Billing Cycle Transactions 300077 Manage your account Date Description tdiuliv.‘uni to see detailed transactions. Payments, Credits and Adjustments Amount 7 Text ONE to anywhere, anytime. , Pay your bill, set up alerts and more with the Capital One mobile app. May 18 CAPITAL ONE ONLINE PYMTAuthDate - $50.00 18-May Jun 12 CAPITAL ONE ONLINE PYMTAuthDate - $184.00 12-Jun Transactions Date Description Amount Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $9.70 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $9.70 Total Fees charged In 2018 $15.00 Total Interest charged In 2018 $42.25 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.40% P $468.05 $9.70 Cash Advances 26.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. EFTA00123779 Page 1 of 2 CapitaOne Platinum MasterCard Account Ending in May 16, 2018 Jun. 15. 2018 31 lays in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments. Previous Balance $533.65 the deadline is 8pm ET. Jul. 12. 2018 Payments $234.00 New Balance Minimum Payment Due Other Credits $0.00 $309.35 $15.00 Transactions + $0.00 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $9.70 longer to pay off your balance. For example: New Balance = $309.35 It you make no You will pay off I And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Jun. 15, 2018) $440.65 Minimum Payment 3 Years $433 Cash Advance Credit Limit $100.00 If you would like intonation about credit counseling services, call Available Credit for Cash Advances $100.00 300084 Stay on top of your credit score. Monitor your credit score with CreditWise built right into the Capital One mobile app. Text ONE to 80101to download the app. Messaging & Data rates may apply. Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at ,...ww.capi talone.com. Customer Service: See reverse for Important Information Please send us this portXn of your statement and only one check (or one money owlet) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400035 Make a statement. Payment Due Date: Jul. 12, 2018 Account Ending in I= Go paperless. Stop waiting for your bill to arrive New Balance Minimum Payment Due Amount Enclosed in the mail and go paperless today. $309.35 $15.00 Log in to your account to make the switch to pape4e BROOKLYN, NY 11234-4029 Ca ital One Red Carol Stream. IL 60197-6492 15 EFTA00123780 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123781 Page 2 of 2 CapitalO Platinum MasterCard Account Ending in IM May 16, 2018 - Jun. 15. 2018 I 31 days in Billing Cycle Transactions 300077 Manage your account Date Description tdiuliv.‘uni to see detailed transactions. Payments, Credits and Adjustments Amount 7 Text ONE to anywhere, anytime. , Pay your bill, set up alerts and more with the Capital One mobile app. May 18 CAPITAL ONE ONLINE PYMTAuthDate - $50.00 18-May Jun 12 CAPITAL ONE ONLINE PYMTAuthDate - $184.00 12-Jun Transactions Date Description Amount Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $9.70 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $9.70 Total Fees charged In 2018 $15.00 Total Interest charged In 2018 $42.25 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.40% P $468.05 $9.70 Cash Advances 26.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. EFTA00123782 Page 1 of 2 capitajOne Platinum MasterCard Account Ending in Jun. 16, 2018 • Jul. 15. 2018 I 30 days in Billing Cycle Payment Information •cceunt Summ.ry Payment Due Date For online and phone payments, Previous Balance $309.35 the deadline is 8pm ET. Aug. 12, 2018 Payments - $200.00 New Balance Minimum Payment Due Other Credits $0.00 $215.54 $15.00 Transactions + $98.67 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $7.52 longer to pay off your balance. For example: New Balance = $215.54 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Jul. 15, 2018) $534.46 Minimum Payment 22 Month(s) $268 Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call Available Credit for Cash Advances $100.00 Your annual fee of $29 will be charged on your 08/2018 statement. 300077 Manage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One mobile app. L Account Notifications w New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, Renewal Notice - Your 08/2018 bill will include your $29.00 annual membership fee. The reverse of this page explains how you may close fees, and grace periods. Contact the New York State Department of your account and avoid this fee. Both sides of this page provide Financial Services: or www.dfs.ny.gov. important information about your rate(s) and how your interest charge is calculated. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400039 Pay your bill Payment Due Date: Aug. 12, 2018 Account Ending in NM on the go. Pay your bill securely and review transactions with the New Balance Minimum Payment Due Amount Enclosed Capital One mobile app. $215.54 $15.00 Text ONE to 8O1 nload the app. j a9m9 3 BROOKLYN. NY 11234-41129 Ca ital One Mod Carol Stream, IL 60197-6492 1 15 EFTA00123783 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123784 Page 2 of 2 Capita1OV • Platinum MasterCard Account Ending in IM Jun. 16, 2018 - Jul. 15, 2018 I 30 days in Billing Cycle 300083 Transactions Make a statement. Visit ._.cum to see detailed transactions. Go paperless. Stop waiting for your bill to arrive Payments, Credits and Adjustments in the mail and go paperless today. Date Description Amount Log in o your account to make the switch to paperlessa Jul 11 CAPITAL ONE ONLINE PYMTAuthDate - $200.00 11-Jul Transactions Date Description Amount Jun 18 AMAZON MKTPLACE PMTS $77.35 WWWW.AMAZON.COWA Jun 19 AMAZON MKTPLACE PMTS $13.34 WVNVW.AMAZON.COWA Jun 19 GOOGLE •YouTube Videosg.co/helppayliCA $2.99 Jun 19 AMOTE.NET13027224141GBR $1.00 Jun 19 AMAZON DIGITAL SVCS $3.99 88888-802-3080WA M Total $98.67 Total Transactions for This Period $98.67 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $7.52 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $7.52 Total Fees charged in 2018 $15.00 Total Interest charged in 2018 $49.77 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. 70 8 nt Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.65% P $371.23 $7.52 Cash Advances 26.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. EFTA00123785 Page 1 of 2 Platinum MasterCard Account Ending in MI CapitajOne Jul. 16, 2018 Aug. 15. 2018 31 lays in Billing Cycle Payment Information icceunt Summ.ry Payment Due Date For online and phone payments. Previous Balance $215.54 the deadline is 8pm ET. Sep. 12, 2018 Payments - $215.54 New Balance Minimum Payment Due Other Credits - $13.06 $262.76 $15.00 Transactions + $242.84 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $38.00. Fees Charged + $29.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $3.98 longer to pay off your balance. For example: New Balance = $282.76 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estima Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Aug. 15, 2018) $487.24 Minimum Payment 2 Years $346 Cash Advance Credit Limit $100.00 If you would like intonation about credit counseling services, call Available Credit for Cash Advances $100.00 300063 Make a statement Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. Account Notifications (D New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at wviw.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and on one check (or one money order) to Capital ensure your payment is processed promptly. Allow at least seven business days for delivery. 400038 Get the app designed to save time. Payment Due Date: Sep. 12, 2018 New Balance $262.76 Minimum Payment Due $15.00 Account Ending in Amount Enclosed 7 Effortlessly manage your account on the go with the Capital One° mobile app. Text ONE to 80101to download the app. Messaging & Data rates may apply. BROOKLYN, NY 11234-4029 Ca ital One Illaol Carol Stream. IL 60197-6492 1 15 EFTA00123786 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123787 Page 2 of 2 Capita1O1 Platinum MasterCard Account Ending in IM Jul. 16, 2018 - Aug. 15, 2018 I 31 days in Billing Cycle Protect your credit score. TIM WWW.C.dp11.411.111C.LUIII IN actuistantsu tranainmum. Detect fraud vith automatic alerts if your credit report changes with CreditWlse—but right into the Capital One' mobile app. Payments, Credits and Adjustments Date Description Amount Aug11 BURLNGTON STORES827BROOKLYNNY - $13.06 Aug 12 CAPITAL ONE ONLINE PYMTAuthDate - $215.54 12-Aug Transactions Date Description Amount Jul 15 AMAZON MKTPLACE PMTS $45.80 WWWW.AMAZON.COWA Jul 23 SP * THEPERFECTSCULPT2012995387NJ $21.88 Aug 10 JCPENNY 02278ROOKLYNNY $50.85 Aug11 BURLINGTON STORES 1101BROOKLYNNY $124.31 M Total $242.84 Total Transactions for This Period $242.84 Fees Date Description Amount Aug 15 CAPITAL ONE MEMBER FEE $29.00 Total Fees for This Period $29.00 Interest Charge on Purchases $3.98 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $3.98 IPENtitagrellimm Total Fees charged in 2018 $44.00 Total Interest charged in 2018 $53.75 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.65% P $189.89 $3.98 Cash Advances 26.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. EFTA00123788 Page 1 of 2 capitajOne Platinum MasterCard Account Ending in MI Aug. 16. 2018 Sep. 15. 2018 31 cays in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments. Previous Balance $262.76 the deadline is 8pm ET. Oct. 12, 2018 Payments - $262.76 New Balance Minimum Payment Due Other Credits $0.00 $302.50 $15.00 Transactions + $302.50 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $38.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $0.00 longer to pay off your balance. For example: New Balance = $302.50 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Sep. 15, 2018) $447.50 Minimum Payment 3 Years $421 Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call Available Credit for Cash Advances $100.00 300085 Protect your credit score. Detect fraud with automatic alerts if you, credit report changes with CreditWise—built right into the Capital Ong mobile app. Text 011E to 80101to download the app. Messaging & Data rates may apply. Account Notifications 40 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this porti3n of your statement and onty one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400035 Make a statement. Payment Due Date: Oct. 12, 2018 Account Ending in Go paperless. Stop waiting for your bill to arrive New Balance Minimum Payment Due Amount Enclosed in the mail and go papedess today. $302.50 $15.00 IIM P- P _ ME _r e switch to paperlessi BROOKLYN. NY 11234-4029 Ca ital One Carol Stream. IL 60197-6492 15 EFTA00123789 001 How can I Avoid Paying Interest Charges? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment. you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to innate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your account in full with no Interest other related account. When you provide a check or check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment, you authorize us to use information from the check to make a one-time ACH cr the portion o( the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process it as a check Transfers. we will sten charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and avoid paying Interest we process your payment. Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Maim') information. Payment first to the balance with the lowest APR (including 0% APR). and then to Now Is the Interest Charge applied? Interest Charges accrue from the date of the balances with Ngher APRs. We apply any part of yourpayment exceeding your Minimum transaction or the first day of the gifting Cycle. Interest Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Any to Small Business Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you. account. is an error on is statement, write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake City. UT 84130-0285. Charge of 50.50 for each Billing Cycle if your account is subject to an Interest Charge. In your letter. give us the following information: How do Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is en error on your bill describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you berm it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement. You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount 2. Next. for each segment. we add the daily balances together and divide the sum by the question. We wit notify you n writing within 30 days of our receipt of you letter. While number of days in the Biking Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the knowing are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cycle, we multiply your Average Daly Balance for each amount. The charge in question may refrain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount. But, if we determine that we made a mistake, you multnty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cycle. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred o as the Balance Subject to Interest Rao n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit cot. Within 90 days of our NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bat Now can my Variable APR change? Your APRs may increase Cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to Now do we calculate your When your APRs) will change the refuelling amount due on the purchase. To use this right. the following must your APR(s) APR(s)? Index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR • margin end in Jan.. April. Jay. and Oct. advances from an ATM or with a check that accesses your credit card account do not quality. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in writing at: Capital One. Sat Lake City. UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we close your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 fd 2016 Capital One. Capital One is a federaty registered service mark 11e11/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barbing by logging into your account: 2. Capital One Mobile Banking app or approved electronk devices; You can change your address immediately at capitalone.com or complete the information 3. Calling the telephone number listed on the front of this statement and providing the below, and return this coupon with your payment. Please print using blue or black ink. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Street When will you Credit My Payment? • For mobile. online or over the phone. as of the business day we receive it. as long City as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. State Zip code local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of this statement. Phone Please allow at least seven (7) business days for mail delivery. Mated payments received by us at any other location or payments in any other form may not be Email credited as of the day we receive them. EFTA00123790 Page 2 of 2 Capita1OVle Platinum MasterCard Account Ending in IM Aug. 16, 2018 - Sep. 15. 2018 I 31 days in Billing Cycle Transactions 300077 Manage your account Date Visit www.Laintaluite.t-cnit to see detailed transactions. NM: Payments, Credits and Adjustments Description Amount 7 Text ONE to anywhere, anytime. , Pay your bill, set up alerts and more with the Capital One' mobile app. Sep 6 CAPITAL ONE ONLINE PYMTAuthDate - $262.76 05-Sep M Transactions Date Description Amount Aug 18 BURLINGTON STORES 1101BROOKLYNNY $55.10 Aug 26 YAHAIRA INC2123007428NY $109.97 Aug 30 AMZN MKTP US $26.94 AMZN.COWAMZN.COM/BILLWA Sep 12 BURLINGTON STORES 1101BROOKLYNNY $110.49 Total $302.50 Total Transactions for This Period $302.50 Date Description Amount Total Fees for This Period $0.00 Interest Charged Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 I Total Fees charged in 2018 $44.00 Total Interest charged in 2018 $53.75 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.65% P $0.00 $0.00 Cash Advances 26.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 fa details. EFTA00123791 Page 1 of 2 Capita - Platinum MasterCard Account Ending in MI Sep. 16, 2018 - Oct. 15. 2018 I 30 days in Billing Cycle Payment Information , cceunt Summ.ry Payment Due Date For online and phone payments, Previous Balance $302.50 the deadline is 8pm ET. Nov. 12, 2018 Payments - $100.00 New Balance Minimum Payment Due Other Credits $0.00 $504.73 $15.00 Transactions + $294.59 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $38.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $7.64 longer to pay off your balance. For example: New Balance = $504.73 It you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Oct. 15, 2018) $245.27 Minimum Payment 6 Years $1.001 Cash Advance Credit Limit $100.00 $20 3 Years $719 Available Credit for Cash Advances $100.00 Estimated savings if balance is paid off in about 3 years: $282 If you would like information about credit counseling services, call 300077 Manage your account L 7, ' I anywhere, anytime. Pay your bill, set up alerts and more with the Capital One mobile app. Account Notifications New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and onty one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 4000n Pay your bill Payment Due Date: Nov. 12, 2018 Account Ending in on the go. Pay your bill securely and review transactions with the New Balance Minimum Payment Due Amount Enclosed Capital One mobile app. $504.73 $15.00 Text ONE to 801avoload the app. isiVing may apply. BROOKLYN. NY 11234-4029 Ca ital One IIIIIII Carol Stream, IL 60197-6492 It II 1 15 EFTA00123792 001 How can I Avoid Paying Interest Charges? If you pay your statements New Balance in How do you Process Payments? When you make a payment you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to Initiate an ACH or electronic payment that mil be debited Iran your bank account or the purchase segment. If you have been paying your accoml In full with no Interest other related account. When you provide a check cr check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment. you authorize us to use information from the check to make a one-lime ACH cr the portion 04 the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process a as a check Transfers. we will start charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and amid paying Interest we process your payment Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Mormon intimation. Payment first to the balance with the lowest APR (including 0% APR). and then to How Is the Interest Charge applied? Interest Charges accrue from the date of the balances with higher APRs. We apply any pan of yourpayment exceeding your Minimum transaction or the first day of the Biting Cycle. Inmost Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Andy to Small Busness Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you account. is an error on is statement. write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake C . UT 84130-0285. Charge of 30.50 for each Billing Cycle if your accoml is subject to an Merest Charge. In your letter. give us the following nformation: FlOv_f_ile_you Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is an error on your bit. describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you believe it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount n 2. Next. br each segment we add the daily balances together and divide the sum by the question. We will notify you n writing within 30 days of our receipt of you letter. Wile number of days in the Bihng Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the following are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cyde. we multiply your Average Daly Balance for each amount. The charge in question may remain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount But, if we determine that we made a mistake, you multpty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cyde. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred to as the Balance Subject to Interest Rate n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit imiL Within 90 days of our NOTE: Due to rounding or a minimum bterest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bit How can my Variable APR change? Your APRs may increase cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to How do we calculate your When your APRs) will change the remaining amount due on the purchase. To use this right. the following must your APR(s) APR(s)? index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR + margin end in Jan.. April. hay. and Oct. advances from an ATM or with a check that accesses you credit card account do not qualify. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in wilting at: Capital One. Salt Lake City, UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we dose your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 4:02016 Capital One. Capital One is a (widely registered service mark 11i111/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barking by logging into your account: 2. Capital One Mobile Banking app for approved electronic devices; You can change your address by signing into your account online or Gating Customer 3. Caking the telephone number listed on the front of this statement and providing the Sews. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? • For mobile. online cr over the phone. as of the business day we receive it, as long as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. local time at our processing center. You must send the bottan portion of this statement and your check to the payment address on the front of this statement Please allow at least seven (7) business days for mall delivery. Mated payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123793 Page 2 of 2 Capita1O le Platinum MasterCard Account Ending in MI Sep. 16. 2018 - Oct. 15. 2018 I 30 days in Billing Cycle Interest Charge Calculation Visit e.t.a:II to see detailed transactions. Your Annual Percentage Rate (APR) is the annual interest rate on your account. Payments, Credits and Adjustments Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Date Description Amount Purchases 24.65% P $377.24 $7.64 Sep 23 CAPITAL ONE ONLINE PYMTAuthDate - $50.00 Cash Advances 26.65% P $0.00 $0.00 23-Sep Oct 13 CAPITAL ONE ONLINE PYMTAuthDate - $50.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 13-Oct ;r:10:)S-1 M Transactions Date Oct 3 Description DELTA TICR: PSGR: Amount $169.00 11 Stay on top of your credit score. Monitor your credit score with CreditWise built right into the Capital One' mobile app ORIG: JFK, DEST: YYZ S/0: 0 CARRIER: DL SVC: E Oct 3 DELTA $113.52 TKR: PSGR: ORIG: YYZ, DEST: .11K SAO: 0 CARRIER: DL SVC: E Oct 4 CheapTix $9.90 Oct 11 Amazon PrimeAmzn.conVbillWA $2.17 l= Total $294.59 Total Transactions for This Period $294.59 Date Description Amount Total Fees for This Period $0.00 Interest Charged Interest Charge on Purchases $7.64 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $7.64 I L Total Fees charged Totals Year-to-Date $44.00 Total Interest charged $61.39 EFTA00123794 Page 1 of 2 Platinum MasterCard Account Ending in capitajOne Oct. 16, 2018 Nov. 15. 2018 31 cays in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $504.73 the deadline is 8pm ET. Dec. 12, 2018 Payments - $300.00 New Balance Minimum Payment Due Other Credits $0.00 $269.74 $15.00 Transactions + $56.77 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $38.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $8.24 longer to pay off your balance. For example: New Balance = $289.74 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Nov. 15, 2018) $480.26 Minimum Payment 2 Years $359 Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call Available Credit for Cash Advances $100.00 300083 Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. Account Notifications 0 New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and on one check (or one money order) to ensure your payment is processed promptly. Allow at least seven business days for delivery. 400038 Get the app designed to save time. Payment Due Date: Dec. 12, 2018 New Balance $269.74 Minimum Payment Due $15.00 Account Ending in Amount Enclosed 7 Effortlessly manage your account on the go with the Capital One mobile app. Text ONE to 80101 to download the app. —Mr Messaging 8 BROOKLYN. NY 11234-4029 Ca ital One Illurl Carol Stream. IL 60197-6492 1 15 EFTA00123795 001 How can I Avoid Paying Interest Charges? If you pay your statements New Balance in How do you Process Payments? When you make a payment you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to Initiate an ACH or electronic payment that mil be debited Iran your bank account or the purchase segment. If you have been paying your accoml In full with no Interest other related account. When you provide a check cr check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment. you authorize us to use information from the check to make a one-lime ACH cr the portion 04 the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process a as a check Transfers. we will start charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and amid paying Interest we process your payment Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Mormon intimation. Payment first to the balance with the lowest APR (including 0% APR). and then to How Is the Interest Charge applied? Interest Charges accrue from the date of the balances with higher APRs. We apply any pan of yourpayment exceeding your Minimum transaction or the first day of the Biting Cycle. Inmost Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Andy to Small Busness Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you account. is an error on is statement. write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake C . UT 84130-0285. Charge of 30.50 for each Billing Cycle if your accoml is subject to an Merest Charge. In your letter. give us the following nformation: FlOv_f_ile_you Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is an error on your bit. describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you believe it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount n 2. Next. br each segment we add the daily balances together and divide the sum by the question. We will notify you n writing within 30 days of our receipt of you letter. Wile number of days in the Bihng Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the following are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cyde. we multiply your Average Daly Balance for each amount. The charge in question may remain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount But, if we determine that we made a mistake, you multpty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cyde. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred to as the Balance Subject to Interest Rate n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit imiL Within 90 days of our NOTE: Due to rounding or a minimum bterest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bit How can my Variable APR change? Your APRs may increase cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to How do we calculate your When your APRs) will change the remaining amount due on the purchase. To use this right. the following must your APR(s) APR(s)? index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR + margin end in Jan.. April. hay. and Oct. advances from an ATM or with a check that accesses you credit card account do not qualify. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in wilting at: Capital One. Salt Lake City, UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we dose your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 4:02016 Capital One. Capital One is a (widely registered service mark 11i111/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barking by logging into your account: 2. Capital One Mobile Banking app for approved electronic devices; You can change your address by signing into your account online or Gating Customer 3. Caking the telephone number listed on the front of this statement and providing the Sews. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? • For mobile. online cr over the phone. as of the business day we receive it, as long as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. local time at our processing center. You must send the bottan portion of this statement and your check to the payment address on the front of this statement Please allow at least seven (7) business days for mall delivery. Mated payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123796 Page 2 of 2 Capita Platinum MasterCard Account Ending in MI Oct. 16. 2018 - Nov. 15. 2018 I 31 days in Billing Cycle Transactions Interest Charge Calculation Visit ir.coni to see detailed transactions. Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type M Annual Percentage Balance Subject Interest Charge Payments, Credits and Adjustments Balance Rate(APR) to Interest Rate Date Description Amount Purchases 24.65% P $393.59 $8.24 Oct 20 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 Cash Advances 26.65% P $0.00 $0.00 20-Oct Nov 11 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 10-Nov Transactions 300065 Date Oct 16 Description PARKING PPLTORONTOON 15.00 CAD L293103448 Exchange Rate Amount $11.60 II Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CrediMIse—buit right into the Capital One mobile app. Oct 18 Amazon PrimeAmzn.conVbiIIWA $14.14 Oct 29 ALBANY PARKING $1.55 AUTHORI518-4348886NY Nov 1 TORONTO PARKING AUTHORTORONTOON $12.24 16.00 CAD 1.307189542 Exchange Rate Nov 2 MAIN PARKING & PAY STATORONTOON $17.24 22.50 CAD L305104408 Exchange Rate Total $56.77 Total Transactions for This Period $56.77 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $8.24 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $8.24 Total Fees charged $44.00 Total Interest charged $69.63 EFTA00123797 Page 1 of 2 capitajOne Platinum MasterCard Account Ending in Nov. 16, 2018 Dec. 15. 2018 30 cays in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments. Previous Balance $269.74 the deadline is 8pm ET. Jan. 12, 2019 Payments - $200.00 New Balance Minimum Payment Due Other Credits $0.00 $256.21 $15.00 Transactions + $179.57 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $38.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $6.90 longer to pay off your balance. For example: New Balance = $256.21 If you make no You will pay off And you will additional charges using the balance shown end up paying this card and each on this statement an estimated Credit Limit $750.00 month you pay... in about... total of.. Available Credit (as of Dec. 15, 2018) $493.79 Minimum Payment 2 Years $335 Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call Available Credit for Cash Advances $100.00 II Stay on top of your credit score. Monitor your credit score with CreditWise' built right into the Capital One' mobile app. Text ONE to 80101to download the app. Messaging & Data rates may apply. Account Notifications O New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: See reverse for Important Information Please send us this portion of your statement and on one check (or one money order) to Capital ensure your payment is processed promptly. Allow at least seven business days for delivery. 400035 Make a statement. Payment Due Date: Jan. 12, 2019 Account Ending in Go paperless. Stop waiting for your bill to arrive New Balance Minimum Payment Due Amount Enclosed in the mail and go paperless today. $256.21 $15.00 Log in to your account to make the switch to paperless. BROOKLYN. NY 112314- 14029 Ca ital One Illurl Carol Stream. IL 60197-6492 1 15 EFTA00123798 001 How can I Avoid Paying Interest Charges? If you pay your statements New Balance in How do you Process Payments? When you make a payment you authorize us to full by the die date. we wit not charge you interest on any new transactions that post to Initiate an ACH or electronic payment that mil be debited Iran your bank account or the purchase segment. If you have been paying your accoml In full with no Interest other related account. When you provide a check cr check information to make a Charges. but then you do not pay your next New Balance in full, we will charge interest on payment. you authorize us to use information from the check to make a one-lime ACH cr the portion 04 the balance that you did not pay. For Cash Advances and Special other electronic transfer from your bank account. We may also process a as a check Transfers. we will start charging Interest on the transaction date. Certain promotional transaction. Funds may be withdraw from your bank account as soon as the same day offers may allow you to pay less than the total New Balance and amid paying Interest we process your payment Charges on new purchases. Please refer to the front of your statement for additional How do you Apply My Payment? We generally apply payments up to your Mormon intimation. Payment first to the balance with the lowest APR (including 0% APR). and then to How Is the Interest Charge applied? Interest Charges accrue from the date of the balances with higher APRs. We apply any pan of yourpayment exceeding your Minimum transaction or the first day of the Biting Cycle. Inmost Charges accrue on every unpaid Payment to the balance with the highest APR and then to balances with lower APRs. amount until it is paid in kill. This means you may owe Interest Charges even if you pay Billing Rights Summary (Does not Andy to Small Busness Accounts) the entire New Balance for one Baling Cycle. but did not do so the previous Billing Cycle. What To Do If You Think You Find A Mistake On Your Statement: If you think there Unpaid Interest Charges are added to the corresponding segment of you account. is an error on is statement. write to us at: Do you assess a Minimum Interest Charge? We may assess a minimum Interest Capital One Salt Lake C . UT 84130-0285. Charge of 30.50 for each Billing Cycle if your accoml is subject to an Merest Charge. In your letter. give us the following nformation: FlOv_f_ile_you Calculate the Interest Charge? We use a method called Average Daily Balance (ncluiing new transactions). • Account information: Your name and account number. 1. First for each segment we take the beginning balance each day and add in new • Dollar amount: The dollar amount of the suspected error. transactions and the periodic Interest Charge on the previous days balance. Then we • Description of Problem: If you think there is an error on your bit. describe what you subtract any payments and credits for that segment as of that day. The result is the believe is wrong and why you believe it is a mistake. You must contact us within 60 daily balance for each segment. However, if your previous statement balance was zero days after the error appeared on your statement You must notify us of any potential or a credit amount new transactions which post to your purchase segment are not errors in writing. You may call us or notify us electronically, but if you do we are not added to the daily balance. required to investigate any potential errors and you may have to pay the amount n 2. Next. br each segment we add the daily balances together and divide the sum by the question. We will notify you n writing within 30 days of our receipt of you letter. Wile number of days in the Bihng Cycle. The result is the Average Daily Balance for each we investigate whether or not there has been an error, the following are true: segment. • We cannot try to collect the amount in question, or report you as delinquent on that 3. Al the end of each Biting Cyde. we multiply your Average Daly Balance for each amount. The charge in question may remain on your statement and we may continue to segment by the deity periodic rate (APR divided by 365) for that segment. and then we charge you interest on that amount But, if we determine that we made a mistake, you multpty the result by the number of days in the Billing Cycle. We add the Interest will not have to pay the amount in question or any interest or other fees related to that Charges for all segments together. The resift is your total Interest Charge for the Billing amount. Cyde. • While you do not have to pay the amount in question until we send you a notice about The Average Daly Balance is referred to as the Balance Subject to Interest Rate n the the outcome of our investigation. you are responsible for the remainder of your balance. Interest Charge Calculation section of this Statement • We can apply any unpaid amount against your credit imiL Within 90 days of our NOTE: Due to rounding or a minimum bterest Charge. this calculation may vary slightly receipt of your letter. we wil send you a written notice explaining either that we from the Interest Charge actually assessed. corrected the error (to appear on your next statement) or the reasons we believe the bit How can my Variable APR change? Your APRs may increase cr decrease based on one is correct. of the following indices (reported in The Wag Street Journal ). The letter code below Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with corresponds with the letter next to your APRs in the Interest Charge Calculation section of the goods or services that you have purchased with your credit card. and you have tried his statement. in good faith to cared the problem with the merchant you may have the right not to pay Code next to How do we calculate your When your APRs) will change the remaining amount due on the purchase. To use this right. the following must your APR(s) APR(s)? index + margin be true: P Prime Rate + margin The first day of the Billing Cycles that 1) You must have used your credit card for the purchase. Purchases made with cash L 3 month LIBOR + margin end in Jan.. April. hay. and Oct. advances from an ATM or with a check that accesses you credit card account do not qualify. and Prime Rate • margin The first day of each Billing Cycle. 2) You must not yet have fully paid for the purchase. F 1month LIBOR + margin If all of the criteria above are met and you are still dissatisfied with the purchase, contact 4ow can I AvoidMembership Foes? If a Renewal Notice is printed on this statement. us in wilting at: Capital One. Salt Lake City, UT 84130-0285. While we you may avoid paying an annual membership Fee by contacting Customer Service no later investigate. the same rules apply to the disputed amount as discussed above. After we than 45 days after the last day in the Biting Cycle covered by this statement to request finish our investigation. we will tell you our decision. At that point. if we think you owe an that we dose your account. To avoid paying a monthly membership Fee, close you amount and you do not pay we may report you as delinquent. account and we will stop assessing your monthly membership Fee. How can I Close My Account? You can contact Customer Service anytime to request ETC-08 4:02016 Capital One. Capital One is a (widely registered service mark 11i111/16 that we close your account. Changing Mailing Address? How do I Make Payments? You may make your payment in several ways: 1. Online Barking by logging into your account: 2. Capital One Mobile Banking app for approved electronic devices; You can change your address by signing into your account online or Gating Customer 3. Caking the telephone number listed on the front of this statement and providing the Sews. required payment information: 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? • For mobile. online cr over the phone. as of the business day we receive it, as long as it is made by 8 p.m. ET. • For mail. as of the business day we receive it. as long as it is received by 5 p.m. local time at our processing center. You must send the bottan portion of this statement and your check to the payment address on the front of this statement Please allow at least seven (7) business days for mall delivery. Mated payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123799 Page 2 of 2 Capitala le Platinum MasterCard Account Ending in MI Nov. 16. 2018 - Dec. 15. 2018 130 days in Billing Cycle Transactions Interest Charge Calculation Visit 42.coin to see detailed transactions. Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Payments, Credits and Adjustments Balance Rate(APR) to Interest Rate Date Description Amount Purchases 24.65% P $340.82 $6.90 Dec 12 CAPITAL ONE ONLINE PYMTAuthDate - $200.00 Cash Advances 26.65% P $0.00 $0.00 12-Dec P,L,D,F = Variable Rate. See reverse of page 1 for details. M Transactions Date Description Amount 300377 Manage your account 7 Nov 18 Amazon PrimeAmzn.conVbillWA $14.14 anywhere, anytime. Nov 27 AMZN Mktp $51.47 Pay your bill, set up alerts and more US*M04L74TN0Amzn.contibillWA with the Capital One mobile app. Nov 28 AMZN Mktp $49.96 US*M07G87PCOAmzn.convbillWA Dec 4 JETBLUE $30.00 TIO: 27926045189431 PSGR: MS ORIG: XAA, DEST: XAA CARRIER: 86 SVC: Y Dec 10 JETBLUE $34.00 'Mg: 27926046614476 PSGR: MS ORIG: XAA, DEST: XAA CARRIER: 86 SVC: Y Total $179.57 Total Transactions for This Period $179.57 Fees Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $6.90 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $6.90 Total Fees charged $44.00 Total Interest charged $76.53 EFTA00123800