EFTA00123832

Paget of 2 Customer Sennee Dec.16 . Jan. IS, 2015 31 Days In Bilk® Cyde Capolay)ne www.capitalone.com ] MINIMUM PAYMENT WARNING: E)nurmeodylhermirumpetmateachpab0.ya MIpay rue itemslaxlknilotke yau bnparb poy etrxr tcirce. ForexatOe: Platinum MasterCard Account oral Nj 11 Payment Amount Each Period It No Approximate Time to Pay MI Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges An Made Statement Balance Total Cost 587.72 525.00 Feb 12, 2015 LinnuoPmenert f MaVs Sgt you %old lientematon a7Dfcvedr Carg•Nrg sevces PLEASE PAY Al YEAST TH6MOM LME PAYMENT WARNING: Bwedon re:exe )oxrum=paret Cy yo.rd.edne. Credit Limit $200.00 Cash Advance Credit Limit S100.00 )turrgYhanPl Y a kethl3b$1911 Available Credit: S 112.28 Available Credit for Cash Advances: S 100.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $214.74 I - ( $150.00 $22.98 + L 10.00 $87.72 New York residents may contact the New York State Department of Anancial Services to obtain a comparative listing of aedit card rates, fees, and race rods. Contact the New York State Department of Finandal SNViCeS: or www.dfs.ny.gov. Always at your service... Pay your bill online and take advantage of TRANSACTIONS these and other on-the-go services: PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS 1 13 JAN Cap 1 DebitCardPhonePmt AuthDate 12-Jan (1150.00) • Capital One' text messaging • Card replacement • Travel notification TRANSACTIONS FOR PHILLIP I WILLIAMS_ Log into www.capitalone.com to take 300026.0 advantage of these and other on-the-go services. FEES 1 12 JAN PAST DUE FEE $19.00 Total Fees This Period $19.00 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. INTEREST CHARGED INTEREST OiARGEPURCHASES 53.98 Annual Percentage Balance Subject to Type of Balance Interest Charge Total Interest This Period 53.96 Rate (APR) Interest Rate Purchases 22.90% P 120430 13.98 Cash Advances 24.90% P 50.00 $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 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in - Due Date New Balance Minimum Payment Amount Enclosed Feb12,2015 $8732 J $25.00 ENJOY 24/7 ACCESS TO YOUR ACCOUNT -op in and "wage your account amine et myrkerromoone ecm • Pay bolls PLEASE PAY AT LEAST • Crock your belam• THIS AMOUNT • Per mow transactions PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123832 4)2 If Now can I Avoid Pain Interest Chime II you pay your statements Wen Odra,' in fdl by the due doe, we VAwn will you Credit Milani veil not charge yew on any new Kansas:ions the eon to the Pethase balance. If you lyre been ping your foe canine oe per the phone as of the buttressday we recent it, as long as they are made by 8 pm.ET. 344031I III fat wth ronon charges, butenyou do not pay par ran lkwIldarce n tit we sell these merest foe mailed payments, as al the hotness day we Rai.t it as long as: I) you send the boilon portion al this on the peon ot the blame that you dd not pay. kr cash adunas and sped orders, we vall stst Arang statement and deck to the payment adtess on the from al tha siennem and 13yos payment a 'coined in our merest on the Pena:ten date. massing centers by 5 pm.lord first Heath allow alma I?) businessdap for nal &Orrery. Wedamen:5 Now is the WeroW,Qpnye append? Ottani duns aeons from the I) dais el the tramanion. II date the netted by us at arty Oder Ixation or in arty Oder born may not be credted as of de clay we receive due. tmsathon a ecceued or II int cakrdar day al the tiling period. Winn chnes roue on every raid anon DO yOu PrOten Peer Clatdd as an fiffleliklemiLlymmike Owen:nu veil be ptocesud n we of two rol n a pad n full Ths means you nay owe intent &nes eyen ilia pay the entire 'Nes Patne one month, ways: When you monde a check or deck irionnsion to mate a payment. you authorize to Ce ow agents to use the but dd nal do so lot the meets meth. Urpad interest charges are added to de mopes segment of your Account. intension to make a one time A01IMMO:100 or Eder <korona turd transfer from put deposemecum. Wk may Monier, we/nett the rght to rot assess meant chargesat arry also use the intension to motels the parrem as a check :mutton. Do you assess a Minimum Interest Chan) Yes. A tannin NITEROI CHARGE of $450 nil be assessed foe each What N I Mi Tor Danbcdoe II you ye ended to barkntry crotethoo this corm/odor is for Menem Ming eyed year eccum a subject to an interest Char. only. h a not an sleep to colect assess or nom a debt or dam. Do rot send us payments wither speatng wnh Now do YOu SOIMIMiStSMMMShitra We the a onset aced Average DSO (melee (^doling new your tuntruptcy aliens or the Partway Coat f you or pis aliens wouthIke to twin Da ballruptry thins transathoral. Under sass meted. we to, cathAme par cagy bdrce; M cads segment I) isle the begiming balance tenon directly. please meta Caput One 10 Roe 30285 Sall Wu City, UT 84130.0385 and add in new trareasom and the peodc merest done on de piths; days balance. then 2) snow any MIND OPTS SUMMARY (Goes Not Apply to Small Rumen Accounts) payments and unfits Ice that segment as of the day. There'd, is the daft Wan Ice cads segrrem. HOATIt0 if you What To Do If You Think You Sind A Mistake Oa Your Statoweat II you dint dere is an arc as your pad your preens months talent in full (or I put tulame van zero or aped, meant new InfttXtlan lebith post SISCITtfltAllt m a al: to put parthase cc speaal ptrthase signets se not added to the dah balances. Also. Prussians the ale subpa a grace pitied are not added to de duly balances. Card Ore Nen, to fed Tour Average Daly (eance: 1) add the daily balances together fot each segment, and 1) diode the sun by P.O. Dec 30185 the toothed deism the biting Eyck. Sat LaleCins UT 84B00285 Al the erdol each bling cyde. wedetente your Merest Charge as loIDAS: II aunty pour Average Daly Odense In Toilette, gise us the folevang Information: by de daily peendk sate %PRdiode:I by 36$) lot the segment. and II rrulody the teak by the norther of days n the Account alternation: 505 sane and scant amber. blIng period. NOTE_ Oa to founding of a maim, interest Aug. tha catuloon may vary torn the burnt charge Ddluattated: The dotar mart al the suspected 0101. actualy assessed. Clescriztion of Purim: lips thnt these is an ere on you bit dnathe what you Mere is smog rd why you Now cae my Yeriabk Ansel Percentage Rate Inge changet YoutAfil may incorase a decease based on one Wine t is a =tate. of de MMtirg reponed nelkes reported in The MO Sweet Samna. blind whets indet is used tot pit aura You must wawa us within 60 dr/salter decry appeared an you; siserrem. loot for a lean code on the front al tha simmem ran to dos AWOL Then And: the table bdoin You must notify to of any peered entrain writing, You nay call us or natty us dessoncaly. be I you don art [edema to fu New do we Soddy yaw APPIDM When your ANDO not maned to investigate any poiental tITCC1ardsu may hate to pay the arroum n question. We sell naafi you MO Index + magpie Isereviesnly dbdootd IC wth) wil MOM 013.1131:0 Phil 30 days d or PIMP Oi ionIcon. P home Rath + mean The first day al the klieg pads that Whk we metopewhether cc not thee has been an end, the loloning are nee: L 3 mord, MCA o nage end a Ian. 401,In, and Oct We cannot try to Erika the amount n question, ot remit you as dein:pert cn that amount The charge in piton may Ninon on nos statement and we nay continue to these sou most on that arncum. 0 Prime Rath + megn Thelon Swot each Out if ne designee that we made a nova:, you ail not have to pay the anoure in question oe arty merest ot f 1 month UOOR , mart etomn kilns ;nod. lees related to that amcant. Are then AddationaLins associated with my exeunt) Yes, under dean cicumstances, you nay be assessed a Wide you do rot have to pay de =cant in thence will we send you a name about the anion of ow tare or keened Paper, lee. YOJ rate aka be assessed Cradint fees 6 pealed by ben We resent the right to not imeinsion, you art responsible lot de remanded )0111 balance. 343013 lets WOW prior Oct wthotnnong or rghi to assess a irolar fee len We Es apply any unpaid =cum agansi your coedit Irak. blew can I Avoid Membership fees ? II a Porte:alNotice apimed on the hint of this statement you nal avoid Wain 90 days ol our nem of your kner, we wit serd you a wen nem aptarog ethe 1,131 are calmed the paying an annual remise:Ilia the by conmaing Custom; Senn no mate than 45 days after de last day in the Whig error ho appear on you, nett statement) oe the IC3WIS are Mine the bill is caret ryde catered by the nemere to repst Wt we thee yes accort. To avoid paying a mon?: nerrterthip bee, coon Clemente Service spree to request that we dose your moult and we sit slop assessing your moot* Your ItMMS N You ode DissaIsSed With Yom Credit Ceed Purchases. II you se dssaiMed Athely goods nentenhp ley. notes dal you hay pschased wth you credit cad. and you lute reed in good kith to worn theproblem will the reicher, you nal have the me rot to pay the rtmanng 317COrt 4130 on the cordon To Use this rigIt. the Now can I rice Ltv miaow 7 YOU can contact Customer Senice armime to request that we dose pot acme% IL (003409 must be true: the time, ikt I exaan any addb l steps to account 'bum indadirg Sara ow down dothu6on and amdres. 1) You must have used nos aedt card fa the ponhase. Purchases node Ph cash adrarces from an ATM a oath a What happens if my &mak insmsskell We may dose or suspend your account and put tight to obtain credit check that acmes yon cede card account do not quaff; and at any tree and lot any reason, even it you are not in defath. Account suspension can be pennartm a tempeaw 1) You met not pt hare fully pad lot the purchase. your accoum is dosed or suspended you mast stop thing put unit card and account 2) creel al anemic 0 all d the antra these are net and pro alt. stif dinmeded with the purchash tonal us 11044D33I: payments. 3) destroy all credit dais and access duds, and Ii pay al amounts you one us. nen I they were charged eta theaccount was dosed a suspended. Cacitti Ore Now do I fate Payments AI arty tine. you may pat the maims owner; de total ,road balance, or any amoum P.O. Dec 30285 N beaten. Payments nay he made in several nap: Sat Late ON. UT 81130.0185 1)0nIne by going to aws.theiabne.com ardloggrq into par accort Whle we ingestion the sane mks apply to the deputed amount as chained atom Ate; we Inn DX 2) Telephone 11004e Response System by dein? 1800955.7070 ard lotos(rgthevone prompts. When you nate a investigatoe we wit sell you cm deason. Ai that pont we think youme an amount and you do not pay we may ph:etpayment though Mee:ice response spivs, you authority us to inoaee r ACM or demotic payment that wit repet you as ddnquent. be debited Item your bark scam funds nay be wthdthen horn you, bank account as soon as the sane day we process par payment: Capital One supports in./amnion piney protection. see our websirea, aveaccrimloneuns 3Pfeting our telephone enrollee 1.500.955-7070ard pthodng your nlomuaonto our necessity% 0 2014 Capeal One. Capital One is a 'death regimen sews net MI rights merged. 1)Prymercs by mat thou)! be sent to them:ling address wooded on thetenonpoen ol tha statement. ETC.08 II/34'14 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper dip your check to the payment slip. Address • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink your account number on your check. EFTA00123833 Pa 2 of 2 Customer Service Dec. 16 - Mn. 15, 2015 31 Days in Billing Cyde CapitalOne www.capitalone.com ] Credit Limit $200.00 Platinum MasterCard Account ending hal Available Credit $112.28 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit: $100.00 lI $87.72 $25.00 Feb12,2015 Available Credit for Cash Advances: $100.00 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance $214.74 $150.00 $0.00 $87.72 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year $19.00 Total Interest This Year $3.98 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days km your minimum payment to mach Capital One. EFTA00123834 Paget of 3 aislomer Service Jan. 16 - Feb. 15, 2015 31 Days in Biting Cyde CapitalOne WWW.CapdaiOne.tOm 1 MINIMUM PAYMENT WARNING: Nyco rode celytherrwirrurnpomyteachpeiod.Th MIpay rue itemslard t tike you ionrierb pay citpxr tcirce. ForexaVe: Platinum MasterCard Account ending in • Payment Amount Each Period It No Approximate Time to Pay ON Estimated NBV8ALANCE MINIMUM PAYMENT DUEDATE Additional Charges Am Made Statement Balance Total Cost lArrimPamet 5 Mom* Ste $93.18 $25.00 Mar 12, 2015 vt;••• IlyoumaidIke thrrarm abo.r. CfeCtl ccuiscrig scotes, calIIMB PtFASE PAY AT tag TiMmaNnit LATE PAYMENT WARNING: rwedo not resat yourrintrun ammonite yarduecMa. Au trey have to pay a La Sae chp m SI91Xt Credit Limit $200.00 Cash Advance Credit Limit $100.00 Available Credit: SI 06.82 Available Credit for Cash Advances: S100.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $87.12 j — S50.00 $2.63 + 552.83 393.18 1 New York residents may contact the New York State Department of financial Services to obtain a comparative listing of aedit card rates, fees, and race Sods. Contact the New YorkState Department of Financial Services: or www.dfs.ny.gov. Renewal Notice Your 03/2015 til vii indude your $29.00 amual membership fee. + MORE The reverse of this page explains how you may dose your account and avoid this fee. Both sides of this page provide important information about your rates) and how your interest charge is calculated. Credit cards are only part TRANSACTIONS of the equation. PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILUAMS Learn about all the ways we can serve your needs at 1 12 FEB Cap 1 ElectromcPhonePrmAuthDate I 2.tE8 (150.00) capitalone.com. 3000IO-C TRANSACTIONS FOR PIIIWP I WILLIAMS 1 14 JAN 7-ELEVEN 274548FLOOKLYNNY $2.82 INTEREST CHARGE CALCULATION 2 14 JAN SUNOCO 0007155517BROOKLYNNY $30.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. 3 15 JAN QUEENS BL FILL If WQ39LONG ISLAND CNY S20.01 Annual Percentage Balance Subject to Total for Phillip I Williams $5283 Type of Balance Interest Charge Rate (APR) Interest Rate ► TilaiTransactonslhisPelod ass Purchases 22.90% P 5135.02 S2.63 Cash Advances 24.90% P S0.00 S0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details L Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in Due Date New Balance Minimum Payment Amount Enclosed ENJOY 24/7 ACCESS TO YOUR ACCOUNT Mar12,2015 K $93.18 )C $25.00 Y -og in and renege your account online at weocaptolone cam • Poi bees PLEASE PAY AT LEAST • Crock your belant• THIS AMOUNT •F trantaCtsn PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA). N.A. P.O. Box 71063 Irrrr llllllrlllrllrll rll lllllelrsll l llll llllrlrlll rl lllrII 111111 Charlotte. NC 28272-1083 Odd' I EFTA00123835 WI IS Now cm I Avoid Puha Interest Chime II you pay your statements Wen Ildaue in fdl by the due date, we Yawn will you Credit Milani tell not charge rend on any new tralsaMons that pod to the Pschase balance. If you lyre been ping you, foe onine oe per the Wont as ti the buttress day we recent it as long as they are made by 8 pm.ET. 344031I VI fat wth roomiest charges, butenyou do not pay an ran lkw Sine n Tit we sell Marge awed foe mailed payments, as al the hotness day we Rai.eat as long as: I) you send theboson portion al this on the peon of the blame that you dd not pay. kr cash arinnas and 'cocci earths's, we vall stxt dwgrq statement rd deck to the payment adthess on the from al tha statement rd 13yos payment a remised in out merest on the Panto:Inn date. wocessag centers by 5 pm. local first Troy Sloe at lent I7) Miress days for nal &Orrery. Wedamen:5 Now is the WeroW,Qpne append? lamest charges aeon from the I) date el the trarantion. II date the netted by us at arty Oder boat= or a arty Oder born may not been:dm:las of de clay we receivedunk urnavon a occessed or l) int cakrdar day al the tiling period. hong doges moue on every tread anon DO yOu Proven Peer Canis as an iJanlateriblimili? hymn wit be peocested h we of two trot n a pad n kit Ths means you nay owe almost dwges teen ilycu pay the entire sees Patne one north, ways: When you woade a dud or deck irionnsion to mate a payment. you authorize us Ce ow agents to use the but dd nal do so lot the famous month. Urpad interest charges are added to de wows segment of your Account. iricension to make a one time A01.mason or ether <korona turd transfer Icon no deposeaccount Wk may Nome:, we come the rght to rot assess meant charges atany also use the intension to poems the parrem as a check urnecton. Do yoe assess a Minimum Interest throe) Yes. A rrinroun INTEREST ClIOAGE of $450 nil be assessed foe each What a I Mi foe Danbandoe II you ye crated to barkmatcy octeaiork this corrmsoution is for daemon tiling rend year acccum a subject to an MOIR 4,137. only. h a not al =ems to coiled. assess or nom a debt or dam. Do rot send us payments whoa speatng wnh NOW do you SONSININISIffilliNne NO the a netted pled Overeat DSO (melte fedolire new your tuntruptcy anon., oe the Outdo) Coat irtl or pis anon., woudIke to comas Da baltruptry dons twaszoral. Urdu ths meted. we to, cab,late pr.r cagy bdrce; be cads segment Duke the begimirg bdance tenon directly. please C03410: Capul One 10 Roe 30285 Sall Wu CM, UT 84130.0285 and add in new trareactom ed the pada merest those on de mama days bdance. then 2) subtract any MIND AIGNTS SUMMARY (Goes Not Apply to Seam thwness Accounes) payments and credits Ice that segment as of Ns day. Theretch is the daft Wan be cads segrrem. NOATIt0 if you What To Do If You Think You Sind A Mistake Oa Your Statoweat II you that dere is an ante at you: pad your werous months talent in full (orty:0i tulawe was rem or aced, most new InfttXtlan lebith past SIStITOMOITIO m w al: to wow yr.rchase or peal pothase segnaus se ace added to the doily balances. Also. vamosions that ale subfra a grace period are not added to de dairy balances. 'LISS Ore Nen, to fed Tour Average Daly ()deice: 1) add the daily balances together fat each serest, and 1) diode the sue by P.O. Dec 30185 the mother of deism the bang Eyck. SalthaleCin, UT 84B00285 Al dlt erdol each bling cyde. we determre your In Charge as bobcats: II nubbly pour Average Daly Odense In yens tenet gise us the fylevang alternation: by de daily pendk sate t&PRdiodai by DM) lot that segment. and 1I trulody the man by the number of days a the Account tdormaion: 505 sane and acting amber. bring period. NOTE_ Due to tourdirg or a ninroun amerce those. tha catuloon may vary torn the burnt charge Ddluattautd: The dotar mart al the suspected COOL actualy assessed. Oescriztion of hotlem: It you mhnt there is an ern on lot bit *lobe what you Mere is snag ad why you Now Ca my Yeriabk Ansel encentacre Rate API) changet Yew AM may incited Ce decant based on we belie e a is a maid& of de bawing reponed adios Imported in The MO Snot! Samna. To lird whets indet is used tot pis aura You must mama us within 60 dorsalto deems appeared al you; staterrem. loot for a lean cock onthefront al this staumem ma to an AW0L Then abed the table bdoin You must notify to of any petered errors in aritirg, You way call us or natty us deasoncaly. bet f you don art Code nen to yow New do we debate yew MANN When your *981st not mond to investigate any potential tITCC1ardsu may haw to pay the arroum n question. We sell notify you APO Index + metals' larevkatily dbdOWO IC you) wil duns< 013ItINNO Main 30 days dot PIMP of ionIcon. P flame Ram + maqn The first day al the klieg woods that Whk we metopewhether or not thew has been an mm, the teleran? are nue: L 3 morel MCA o oaten end a Ian. Noel July, and Oct We cannot try to cotta the amount a question, ot repot you as deirmerecn that amount. The charge a theston may union on ps statement and we nay conirrue to (hugeyou must on that arncum. 0 Prime Ram + margn Melva day al rod Out if ere designee that sty more a rood:, you ail not ham to pay the anourt inquest= oe arry merest ot ohm f I moth UOOR , lona vomit)!Lang ;nod. fees related to that amosu. Are then AdifttioaaLleet associated with my account/ Yes, under detail cicumstances, you nay be assessed a Wide you do rat have to pay de mewl in qt.estee will we send you a mace about the anon of ow Late or Returned hymn lee. YOJ rate aka be assessed [ratline fees 6 pandled by bet We anent the right to not imeingsion, you art responsible kr de remanded yaw balance. asses lets WOW with Oct wthotn tearing onrghi I0 341014 a irolar fee lom. We cal ma* myunpaida:mum agansi your coedit Irak New can I Avoid Membership fees ? If a Porte:alNotice is yarned on the hint of this statement, you nal avoid When 90 days ol our new of your knee, we w11 serd you a Adam nem aptrog oho than Ike calmed the paying an annual anise:hie fee by contacting Custom; Senn no name than 15 days after de ha day in the Whig error ho appear on your not statement) oe the noon O. Leine the bill is cared. ryde catered by the ammert to request dui we doe yes accost To avoid paying a north?: rterrterthip bee, comes Gomm( Service spree to request that we dose your mots* and we sit slop assessing your month): Your MOTS N You An DissaIsSed With Yew Credit Gaol Purchases. II you se dssaiMed Athely goods ot nentenhp lee. notes this Sou hate pschased with loo credit cad. *Id you hate mid in good kith to coned the problem wth the merchant you nal bait the me rot to pay the rtmanng amount 4130 on the cordon To Use 00 rigle. IN Nor on I rinse It. &mum 7 YOU can comas Customer knice ermine to request that wedose )cat acconnt. (003409 must be me: eve time, AO I rxdan road:Yaquistepsto account datum indadirg balance ow dons domo6on and tithe. 1) You must Rae used aosaedt card fa the yorthase. Purchases node aith cash adrames from an ATM a oath a What happens if my damaillaspesskell We may dose ot suspend your account and put dght to obtain credit check that accesses vow cede card account do not quaff; ad at any tree and lot any reason, even al you are not in defalt. Account suspension can be pennartm a temporaw 2) You mad not at hare fully pad lot the purchase your accoum is don or suspended you oast I) stop wing put cede card and account 2) creel al nornatic 0 did the criteria abase are net and loo alt.sut diomeded with the purchase, tented us 11004D33I: payments. 3) destroy all credit cods and access thecb, and N pay al anions you one us. nen Idle, were charged eta the scant was dosed a suspended. Cacitti Ore Now do I kealte Payments7 AI any tine. you may pat the maims owner; de total taped halence, or any amoum P.O. Dec 30285 n berme Payments nay he made in several reap: Sat Late CO. NIT 81130-0185 1)Calne by going to aws.myriabne.com ardloggrq into yosaactuth Wile we Mistime the sane mks apply to de dawned amcum as doomed atom Ate; we faith at 2) ides:bore 11004e Response System by dein? 1800955.7070 ard kios(rgehevoa prompts. When you rode a investigator,. we tell sell you on diatom Ai that pont i we think you axe an amount and you do not pay we may phone portonUri:Ugh al voice response spiv; you authority us to inoate r ACM CO tICOICIlk payment that sell repot you as ddnquent. be debited Item your bark scum funds !my be wthdtaan how you, bark account as soon as the sane day we process yon payment: Capital One supports irionnsion Many prtnection see our webtirea, avers.capitalone.cono 3)Catirg our telephone ranter 1.9.10.955-7070ard pmadng your nlomution ea our transmute% 0 2014 Captal One. Capital One is a Ideal,/ registered sever nail MI mks mend. • Ozyrrerts by coal should be sent to them:ling address wooded on thetenonpanic° al tha statement. (TC.08 11/34'14 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper dip your check to the payment slip. Address • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink your account number on your check. EFTA00123836 Pa e 2 of 3 Customer Smite Jan. 16 - Feb. 15, 2015 31 Days in Billing Cyde . CapitaOne www.capitalone.com Credit Limit S200.00 Platinum MasterCard Account ending In Available Credit S106.82 NE? BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Umit S100.00 $9318 Ea® Mar 12, 2015 Available Credit for Cash Advances: S100.00 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance Th $87.72 ) 550.00 $52.83 $93.18 TRANSACTIONS CONTINUED FEES Total fees TM Period $0.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES S2.63 Total Interest This Period S2.63 TOTALS YEAR TO DATE Total fees This Year S19.00 Total Interest This Year S6.61 EFTA00123837 ENROLL IN ONLINE BANKING TO STAY ON TOP OF YOUR FINANCES Did you know Capital One Online Banking offers a range of financial tools right at your fingertips? From monitoring your credit score, to enhanced security measures, and more—you'll enjoy convenient benefits all year round (including when you need them most, like tax time). VIEW STATEMENT HISTORY Keep tabs on all your transactions with access to up to four years of statements, which comes in handy during tax season. CAPITAL ONE CREDIT TRACKER* Get 100% free unlimited access to your monthly credit score, a what-if simulator to see how your actions could affect your credit score, and other tools that will help you understand your credit score. ENHANCED TRANSACTIONS Keep an eye on your account by seeing the merchant name, logo, address, phone number, and even a map (if available) so you'll know exactly where you made that purchase. INTERACTIVE FRAUD ALERTS Know about fraud attempts and avoid declines with real-time text and email alerts that you can respond to instantly. Enroll in online banking and you'll get a text, email, and if you don't respond, a phone call. To receive these and other great benefits, please make sure your preferred email address and other contact information is up to date. Enroll now at capitalone.com/enrollnow *Currently not available to Spark customers or retail partner cards. EFTA00123838 EFTA00123839 Page 1 of 2 Customer Service Feb. 16 - Mar. 15, 2015 28 Days in Billing Cyde (:;31741.31012t, www.capdaione.COm 1 MINIMUM PAYMENT WANING: Il)nomde ody tomrirrornpromyleachpeiod.mu MIpay rue initemslard nil oda yau bnperb pay oT )os tdaice. Foram, e: Platinum MasterCard Account ending in Payment Amount Each Period It No Approximate Time to Pay Off Estimated YEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost 5155.76 Apr 12, 2015 lArirrunParra 8McetTs:. $160 525.00 gyarlOOLO lie inbiratcn aboicrAt cars•Nrg sevces. LaiIMEMI PLEASE PAY AT LEAST TH6MOM LATE PAYMENT WARNING: Cram nct rmene )cm- numunpapa/ Ey woad*. Credit Limit 5200.00 Cash Advance Credit Umit $100.00 Kumay tow z pay a tie ke ohaa to $I9C0 Available Credit: 544.24 Available Credit for Cash Advances: $44.24 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $93.18 558.00 j 550.52 + $70.06 1 5155.76 1 New York residents may contact the New York State Department of Anancial Services to obtain a comparative listing of aedit card rates, fees, and race rods. Contact the New York State Department of Finandal Services: or www.dfs.ny.gov. Don't understand TRANSACTIONS credit? PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS 1 13 MAR Cap 1 ElecPhonePrnt VRUAuthDate 12-MAR (1.50.00/ That's because you've never 2 14 MAR MEMBERSHIP FEE CREDIT (58.00) had a teacher like this: capitalone.comflinanclaleducation TRANSACTIONS FOR PHILLIP I WILLIAMS 1 13 FEB SUNOCO 0007155511BROOKLYNNY $25.00 Check it out on your schedule, 24/7. 1 24 FEB SUNOCO 0007155517BROOKLYNNY $25.05 3000I4-C 3 25 FEB SUNOCO 0001155517BROOKLYNNY 520.01 Total for Philip I Williams- $70.06 INTEREST CHARGE CALCULATION ► ToialTrawarabnallisPelod $70.06 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Interest Charge FEES Rate (APR) Interest Rate Purchases 21.90% P 5143.35 $2.52 Cash Advances 14.90% P $0.00 $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. 1 Account ending in Due Date New Balance Minimum Payment Amount Enclosed ENJOY 24/7 ACCESS TO YOUR ACCOUNT Apr12,2015 $155.76 -og in and manage your account amine at wacaptalone cam )6 $25.00 )( • Pay begs PLEASE PAY AT LEAST • Crack your Ifelaot• THIS AMOUNT • F yrmit turntable'', PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA). N.A. P.O. Box 71063 11111 d111111n11i11111111111111'111' 11111" 1111111,1111' 111111 Charlotte, NC 28272-1083 EFTA00123840 ml IS Newid0111flastittenaammt IV:0 OM Your 'weren't hes Balance in NI bY ft dmdale. we mil 5. Sending mail payrrems so the address on the tont al his seamed silk the payment coupon or yow rat charge you merest on arti row Parse:tom Mx post to the purchase serum . Ira hate been mum your accost inknnaton. accost in kitnthno Interest Charges. btt then you do not per par ma Hew [glance in kit newt charge inerest How do you Process hymeneal When you make a payment you authcrae us to incest an ACM or elecnonc al the moon al Pe balance Mal you dd rat pay. For Cash !dunces and Special Transfers, we ail start durgng payment that %ill be debts from par bankaccount or other related aoeourt Mum you preside a &Scathed Invest al the Prise:eon date (titan prone:end dies may aloe you to pas less Mai the told NCYI (Maur end idcenarpn tO Mlle a Pa'rell. you auttneire us lo use /daemon ton the check to mama onetime ACM aahet avad prointerest Charges on new eschews. Rase icier tote lent d par exernem kr addooral nfomMon deascnc :undo from now bank =curt We nay abe process k as a check varnaction, funds nay be wtheiraorn yew k the Interest Charm meired? !merest Charges accrue from Medan of the MITMIIINNI or the Iry day al the from your bark .ICCOUft as soon as the same dmMt MOMS your pvinert. burg Cycle. Kent Chalets max on Nay tread aneurt Jail t is pad n ball This mum pa may owe newest You Credit My Panned Chalets men it you pay the entre hew (Vance kr ore Wing Cwk. but did not do so the pencras Piing Cyde for =kik. Viet 01an the plume, mot the busness day we mew it as long as they are made by B pa ET. Urpad IfSt/ClIChItge. Wead:led to the coremondng 'tonere dycur scant. for mailed parents, as al the business day we recent.% as king as you serd the boom por6onol this Do you arms a Minimum Intense Charnel We may assess a mermen bans Change d 1010 be each Piing mere* rd your check ea de wren address on the front d Iha statement. Please atm at least (7) busiress Cycle [your mount a subject to an !feet's, Charge. dap ice may delsery. Maled par enn /meted by us al arty ahem location or corn n any other form nay not be aedted as el the day we re:errethen. Haw do you C$Sa(o Po InteNSI Charge We me a net cal abed Ayerme Daily Odour Inchdirg new Now do you Apciv My Payment/ Wegerm:0r mpar parents ram your ikons, buret int to the balance IMISYSCI* with the lowest APR firCIAirg Ole AHD. and then to balances with hula APRs. De apply any pan d mar payment I. int lee bath segrrem we uke the begreirg balance bath day ard at in new mansamom ard theaerobe ecxedirg yogi/Amman harem to the tulrcevrrh the highest API( and thence bdaras withMeer APRs. 'Ito:est Change on the preliOUS dais balance Den wesebum' any parents ard omits for Mx tercet al CI that day. Tie result is the daly batarce ix each segment. However. [your prescus stnerrert balance vas zero Idling Rights Summary Oboes not AgatoSmall Business AccouMs) ct a Mill an," ntYI narortens and post to your purchase segnert are COI %US 03 the daly bdarce. What To Do II You Think You find A Mistake Oa YOur Mgestat II you dint Pere is an snot on your 2. Neu. kr each segmentwe add the dary [glances together and chide the sum by tie manta ol days in Pe %Lucent voile to to a &ling Cyde. The Haub 6 theMenge Daily Wince for bads segment Capital One P.O. Bat 30285 Sat Late Ces..01 841300165 3, At the end dead) Riling Cycle, ism rruludy your Average Daly Babree kr cath segment try the dais pericdc axe (AM &Med by 3651 kr that segment and then we mutely the result by the rumba days it the Biting Cycle. In yeasInn, gise us the folowng 31101frali"1: We add the new Charges kr all wrens together. De result is pot laid Imexst Charge los the Biting Cyde. Accourt nlormation: Yes rarre and actor, runt., M)TE: Cuero rourdirg or amnia= tritest Charge. Ms 'daimonmar vs, stoat bum the Merest Charge actually COI/ anoram: The dela• most el the sinmeted 0107. assessed. 0440j:60hof Plotkin: ti you dint duo n an erix on now bit *sok what you bdere is menu and why you yew tan my Vadalik AM thane Your AM may name ea decease based on one ed dse klbwng reported beim it is a mates, You 'WS: COMIC m wthin 60 days are the error appeared on your statement. You nun ndoces (reported in the WOMAN. Named. To Ind nisi:hint( a used Ica mar axon. lock kr a Meer cook on 11011). elf 01 ant potential errors n vanirg. You nay call us or neat, us elearoncdis, bat it you do see are not the bond this Hamm nee to pus APPAL Then chedc the &Michela.: reaMed to inteseguie my petered eves and you may hare to pm the arrourt in wanton. We will nobly ma in wring wihin 30 days dour wept al mar beet Whir we in...slimy nintier or not there has been en trt0/, the tolonirg are Rue: Codenal to yom New do we Sedate your APth33 When your APMs) WO Ulna( tIflOcolect the anourt n clamor. a report you as &Invert on Put most the drag n wanton AIM Index a margin Iparrommly dbdOted to you) wa change may wean on your statement and we may torero< to 0,319t painted cn that =WM. Eht. ewe determine INt P Prime Rote 4 margin The rust day al Pe Piing Cwt.' that we ma a nage you wit net hme to pay the amaum a question or any merest a otter lees related to that L 3 mord+ LIBOR-. ear end in Ian. Mot July, ard On. arrears. Wilk you do rot have to pay Pe mart in meston anal we send you a mace atom the mume d our 0 Prime Rare 4 margin The run day al huh Biting Cyde. bemoan:tort 'wareemu:amble kr Pe overdue( your Cadence. F I monh DIOR* etami We can bmk any armed arroum aginst your credit km nothn 90 dogs dam wept ol your lene newts tend NOW can I Avoid Membership Fees? II aRepentNotice is primed on the lent of this statement pa nay avoid ma a nom notice embnirg ether that we careered the MCI (:14;9401 on Pt, nett SUIMMII0 a the Hug", ammo en anal memteshp fee by contanng CUSICaltf Sonia no WV Oil AS days dm the tut day a the Wing we kitty tie bilis coned Cycle catered by this statement to request the see dose pal mecum. To moil payng a =Mr menbenhip lee, Your Rights NYeu Are Dissatisfied WithTour Purchase: II pun climate/red with Me goods or senses Maim close you account ard we will um assessing your mortNy membenhp lee. hag exhalednthWar Maid am. and pa hag wed in good lath to coned the modem with the merchant you liesuumilkiseituAcomolL You can contact <WOO., Strike aniline to westthat use dose mar =curt may hue the rgM not to par the renaming amount dues Pe narthex. To use Me rght the foloeirg mere be Iftw do I Make Pamentil You may male your parem n several vow INC I. Onlneard loggirgimo your man II you ran Km used nos adt card fa the purchase. Purchases nada with cash adorers tom an ATM a wth a 2. Caput One Mobile Ranting mplor mproini &enteric devixs; check that accessesyour creek card am:rando not quails; end 3. Telephore Voce Peso:nuSystem by daing the *Icebox reenter toted on theWu ed Pis staterrem and 2) You ma not yet hateful), pad for the purchaw felbrang the voce prompts II di of the atttril those are net and you are sal dinatided with the purchase, cornea us 41 wvergac Caling the teleplene meter lands the from el tin stamen and provdirg your irk.rmanon to our Caps One P.O.Ber 30285 Sat Late City. UT 841300785 representatree: Wilk se intesiguit the sane min apply to Pe damned amour as chained atom Ater we Inds our ineestigatat se Ail sell pa me dmison. At that pont [we thirk you we an amour and you do not pay we my reps you as delnquenl. CA 2015 Capital One. Capital One is a kderally mooted score mark. ETC.OB 01011,5 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone • Don't staple or paper clip your check to the payment slip. E-mail • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123841 Pa e 2 of 2 Customer Service Feb.16 - Mar. IS, 2015 28 Days in Billing Cyde Capital((1 www.capitalone.com ] Credit Limit S200.00 Platinum MasterCard Account endingIna Available Credit $44.24 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Umit S100.00 $155.76 $2100 Apr 12,2015 Available Credit for Cash Advances: $44.24 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance - 1 $93.18 558.00 S70.06 $155.76 -/ TRANSACTIONS CONTINUED FEES (CONTINUED) 1 12 MAR PAST DUE FEE $19.00 2 14 MAR CAPITAL ONE MEMBER FEE $29.00 Total Fees TM Period $48.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES 52.52 Total Interest This Period 52.52 TOTALS YEAR TO DATE Total Fees This Year S59.00 Total Interest This Year S9.13 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123842 Pagel of 2 Customer Service Mar. 16 - Apr.15,2015 31 Days in Billing Capitalaw www.capdalone.com Cyde1 MINIMUM PAYMENT WAMANG: E)nunuleorytermrrunpelmateactipeiod. you MIpay rue initemslaxl nil oda you Smut pay oT )os tcirce.Foraturoe: Platinum MasterCard Account ending inMI Payment Amount Each Period It No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost 590.85 $25.00 May 12, 2015 lkinmPmenert Wert* St6 Ilyoumidlienlymmon abused' cansamasenices.cai PtFASE PAY AT MilSr Tad AmOuNT LATE PAYMENT WARNING: eneaonareceueyormnrunpareaboarduedge. Credit limit $200.00 Cash Advance Credit Umit $100.00 )turray tem pay a tiered tom $I9C0 Available Credit: SI 09.15 Available Credit for Cash Advances: 5100.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $155.76 L S70.00 S2.77 + 6232 S90.85 New York residents may contact the New York State Department of financial Services to obtain a comparative listing of oedit card rates, tees, and race rinds. Contact the New YorkState Department of Finandal Services: or www.dfs.ny.gov. It's easy to set up your TRANSACTIONS FREE account alerts: PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS First, "Log In" to Online Banking. Next, sign up by: 1 09 APR Cap I ElecPhonePmt VRUAuthDate 09•APR (S70.00) 1. Clicking "Messaging and Alerts" 2. Clicking "Set Alerts" TRANSACTIONS FOR PHIWP I WIWAMS 3. Choosing the free alerts you'd Ike to receive 1 30 MAR FEOEXOFFICE 00003467NEVV YORKNY S0.15 Your carrier may charge a fee for each ten message alert you receive. 2 01 APR CVS/PliARMACY 0100868ROOKLYNW S2.17 300007-C Total for PhMlp I Williams- 62.32 Po Tool Transactions -This Period 52.32 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. FEES Total Fees This Period S0.00 Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate INTEREST CHARGED Purchases 22.90% P $142.53 $2.77 Cash Advances 24.90% P $0.00 S0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details L Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in - Due Date New Balance Minimum Payment Amount Enclosed LESS WASTE! May 12,2015 Since you haven't been sending your $90.85 $25.00 C payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400322 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA), N.A. P.O. Box 71063 II'IIIrlllll l1llrrl llI rl ull lllll l rl 'I'11111111' 1'1' 1'11"I"1111 Charlotte. NC 28272-1083 111111' I" i1111r lIhIlll11 IIII'I II ' IIHHHIhhIllillllhllll EFTA00123843 OM if How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates How do you Process Payments? Vita you make a garment, you authara us to inkilte an ACM of we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been ekatonc payment that MI be debited ken your hark account or other related account. When you provide a paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent Wheaten emcees INFriplenta 10f ad:Wont inlormateer. For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of Et the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each (am may nit be uedoed as of theday to meve0ern. BlIrg Cyde if your account is subject Wan IntereStChowe. How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with innsan• I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that 'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% segment as d that day. The fall is the daily balance fa each secant However, d your waren What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are StdteatteM mite IC us at not added to the dal), balance. Capitalhe P.O. Boa 30285 Sail Lake City. UT 84130-0285 2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. In your tele, gve us thekilning irionsidon: 3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant.(ci each seven, byte daly Amount Warman: Your name and a WIemettl. pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days Dela( amain: The dotal aura cl the suspected mot n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered Ifireogrica of Ftobkm: a you think there is an erns en you bit, describe what you betere is wrong and wey Charge fa the Biting Cyde. you belere it 6 a mistake. You must contact us within 60days after the ern appeared on you( statement You NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge must notify us of any potential errors in sating. You may call us a may us elearonalre but it you do we are eau* assessed. not lectured WinveStwite any potential with and you may hint to pay the stoat n question. We wil nadir How can my Veda* APR Mame? Your APR may increase or decrease based on one of the folbaing reported you in writs% settin 30 dare dour (eta of your letter. While we antifreeze whether or not therehas been an Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code emit the laboring aretrues on their:ace/01s statement men to yds/Wrest then there theatrebelow: We arra try to corer the recut in question, a report you as deinquem on that amount The dung. in Code neat to your How do we calculate your APR%) When yew APHIS) question may remain on year summons and we may contra to charge you Otefeit on that amount. But, it she NW) Indes + margin (previously disclosed to will change determine that we made a (result, you Vin net have to pay the awn in question 01any interest Or ether lees you) related to Ow WOOL While you do ra have to pay the amount in question until at MO you a nonce about the outcome of as P Prim Rate + °Inn The frst day of the Ming Cycles that you are imp:amble fate remander 01 tow balance. L 3 mooch LIBOR + raters and in Ian, Apt lure and Oa. Wean apply errs unpaid amount aging your credo Unit Within %days Mow recta of you lute, we sal Send you a written Wee exptinkw ether that we corrected the error go appear on your eta statement) or the 0 POT* Rate + outgo The lady/of each Biting Cyde ream we believe the Oil is correct. F I nreath LIBOR + (Arun Your Rights If You Are Dissatisfied With Your Pun:base: If you are dawdled wth the goods or services that you have purchased with your Credt card, and you have tried in good faith to correct the problem with the merchant you may ham the fight not to pay tie retaining amount due on the purchase. To use this rite, the How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may (rebaing ups be we: avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly I) You must have used your credo mad (a the purchase. Dachas.' made wth cash ethances from an ATM a membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. %riga dad that accesses your Credt adamant &roar:to:lib/. and Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost 2) You must not yet have luly paid kr the phase. II al cl the aterei above are met and you are soil desrestred with the pschase, contact us in twang at moora Capital One P.O. Box 30285 Sail Lake City, UT 84130-0285 How do I Make Pummels? You may mate you 0.ayMert 0 several ways: I. Onine and kwgng into jour account YAMle se inseidgate, the same rules apply to tie disputed amount as dsoesed above. Ake( we finish our 2. Capital One Mobile Banking app for apt:toted electronic derma investigation, we wit all you OfsdecMco. At that poink il we think you owe an amount and you do not pay we 3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid may report you as Cancan loloareg the saeForam 4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour rt 2015 caper One. Copal One is a tederalre regmered servo mat rtptieMECNO 5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your account inkrmadon. ETC 08 Mliot Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper dip your check to the payment slip. Address • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink your account number on your check. EFTA00123844 Page2of 2 Customer Service Mar. 16 - Apr. IS, 2015 31 Days in Billing Cyde Capital s www.capitalone.com Credit Limit S200.00 Platinum MasterCard Account ending in Available Credit 5109.15 NB? BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Umit 5100.00 E25.00 May12,2015 Available Credit for Cash Advances: S100.00 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance Si 55.76 570.00 $2.32 $90.85 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES S2.77 Total interest This Period 52.77 TOTALS YEAR TO DATE Total fees This Year S59.00 Total Interest This Year S11.90 EFTA00123845 Pagel of 2 Customer Service Apr.16 -May.15, 2015 30 Days in Billing Cyd1 Capitaldle wwwxapdalonetom MINIMUM PAYMENT WAMANG: liwumde onylhe mritturnpamwtoachpaicd.ycm MIpay ruehiteeslaxl nilmke yau bnparb pay ot )o.r [date Format*: Platinum MasterCard Account ending in Payment Amount Each Period It No Approximate Time to Pay 011 Estimated PEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost lAntrunPmenert 21/cetT.F. $44 $42.45 $25.00 Jun 12, 2015 R younoldIlenlormitco atom credl cou-sorg sevces, cal ::'• MEW PAY AT LEAST AuSamOuNT LATE PAYMENT WARNING: hada Dm res:eue )ox numLnpererety yardscale. pu trey hate:,pay elate Ice cltm loSI91Xt Credit Limit S200.00 Cash Advance Credit Umit SI00.00 Available Credit: SI 57.55 Available Credit for Cash Advances: SI00.00 _f Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $90.85 j - $50.00 ) + $1.60 50.00 $42.45 New York residents may contact the New Vatic State Department of Anancial Services to obtain a comparative listing of credit card rates, fees, and race rods. Contact the New YorkState Department of Finandal Services: or www.dfs.ny.gov. It's easy to set up your TRANSACTIONS FREE account alerts: PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS First, log In" to Online Banking.Next, sign up by: 1 12 MAY Cap 1 ElecPhonePmt VRUAuthDate 12-MAY ($50.00) 1. Clicking "Messaging and Alerts" 2. Clicking "Set Alerts" TRANSACTIONS FOR PHILLIP I WILUAMS 3. Choosing the free alerts you'd lice to receive Your carrier may charge a fee for each ten message alert you receive. 300007-C FEES Total Fees This Period S0.00 INTEREST CHARGE CALCULATION INTEREST CHARGED Your Annual Percentage Rate (AM) is the annual interest rate on your account. INTEREST CHARGE:PURCHASES S1.60 Total Interest This Period S1.60 Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate Purchases 22.90% P 185.00 $1.60 Cash Advances 24.90% P S0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in Due Date New Balance Minimum Payment Amount Enciomcu LESS WASTE! Since you haven't been sending your .11$12,2015 $$2.45 525.00 -)( payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. noon PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 i".. "11.1.111.11..1 uI EFTA00123846 OM if How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates How do you Process Payments? Vita you make a garment, you authara us to inkilte an ACM of we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been ekatonc payment that MI be debited ken your hark account or other related account. When you provide a paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent Wheaten emcees INFriplenta 10f ad:Wont inlormateer. For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of Et the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each (am may nit be uedoed as of theday to meve0ern. BlIrg Cyde if your account is subject Wan IntereStChowe. How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with innsan• I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that 'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% segment as d that day. The fall is the daily balance fa each secant However, d your waren What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are StdteatteM mite IC us at not added to the dal), balance. Capitalhe P.O. Boa 30285 Sail Lake City. UT 84130-0285 2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. In your tele, gve us thekilning irionsidon: 3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant.(ci each seven, byte daly Amount Warman: Your name and a WIemettl. pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days Dela( amain: The dotal aura cl the suspected mot n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered Ifireogrica of Ftobkm: a you think there is an erns en you bit, describe what you betere is wrong and wey Charge fa the Biting Cyde. you belere it 6 a mistake. You must contact us within 60days after the ern appeared on you( statement You NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge must notify us of any potential errors in sating. You may call us a may us elearonalre but it you do we are eau* assessed. not lectured WinveStwite any potential with and you may hint to pay the stoat n question. We wil nadir How can my Veda* APR Mame? Your APR may increase or decrease based on one of the folbaing reported you in writs% settin 30 dare dour (eta of your letter. While we antifreeze whether or not therehas been an Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code emit the laboring aretrues on their:ace/01s statement men to yds/Wrest then there theatrebelow: We arra try to corer the recut in question, a report you as deinquem on that amount The dung. in Code neat to your How do we calculate your APR%) When yew APHIS) question may remain on year summons and we may contra to charge you Otefeit on that amount. But, it she NW) Indes + margin (previously disclosed to will change determine that we made a (result, you Vin net have to pay the awn in question 01any interest Or ether lees you) related to Ow WOOL While you do ra have to pay the amount in question until at MO you a nonce about the outcome of as P Prim Rate + °Inn The frst day of the Ming Cycles that you are imp:amble fate remander 01 tow balance. L 3 mooch LIBOR + raters and in Ian, Apt lure and Oa. Wean apply errs unpaid amount aging your credo Unit Within %days Mow recta of you lute, we sal Send you a written Wee exptinkw ether that we corrected the error go appear on your eta statement) or the 0 POT* Rate + outgo The lady/of each Biting Cyde ream we believe the Oil is correct. F I nreath LIBOR + (Arun Your Rights If You Are Dissatisfied With Your Pun:base: If you are dawdled wth the goods or services that you have purchased with your Credt card, and you have tried in good faith to correct the problem with the merchant you may ham the fight not to pay tie retaining amount due on the purchase. To use this rite, the How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may (rebaing ups be we: avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly I) You must have used your credo mad (a the purchase. Dachas.' made wth cash ethances from an ATM a membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. %riga dad that accesses your Credt adamant &roar:to:lib/. and Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost 2) You must not yet have luly paid kr the phase. II al cl the aterei above are met and you are soil desrestred with the pschase, contact us in twang at moora Capital One P.O. Box 30285 Sail Lake City, UT 84130-0285 How do I Make Pummels? You may mate you 0.ayMert 0 several ways: I. Onine and kwgng into jour account YAMle se inseidgate, the same rules apply to tie disputed amount as dsoesed above. Ake( we finish our 2. Capital One Mobile Banking app for apt:toted electronic derma investigation, we wit all you OfsdecMco. At that poink il we think you owe an amount and you do not pay we 3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid may report you as Cancan loloareg the saeForam 4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour rt 2015 caper One. Copal One is a tederalre regmered servo mat rtptieMECNO 5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your account inkrmadon. ETC 08 Mliot Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper dip your check to the payment slip. Address • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink your account number on your check. EFTA00123847 ai2 of 2 Customer Smite Apr. 16 • May. 15, 2015 30 Days In Billing Cycle1 V CaPitajOne www.capitalone.com Credit Limit $200.00 Platinum /Aastereard Account ending InMI Available Credit $157.55 *IVBALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Umit $100.00 $42A5 $2t Am12,2015 Available Credit for Cash Advances: $100.00 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance $90.85 $50.00 $0.00 $42.45 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total fees This Year $59.00 Total Interest This veal $13.50 EFTA00123848 Pagel of 2 Customer Sennce May.16 -Jun. IS, 2015 31 Days in Billing Cyde Capital( w www.capdalone.com ] MINIMUM PAYMENT WARNING: liwomde arty tomritturnpamwtaachmecd.ru MIpay rrae in inwestardEMINke you begatb pay at rxr [date. Formai*: Platinum MasterCard Account ending in Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost 521.22 521.22 Jul 12, 2015 LennonPatted //GAY'S,: 522 tlmumaidIke armalco etas uedtcanseirg lI MASI PAY Al LE;ST NM AMOUNT UM PAYMENT WARNING: tlwedhnotmceieyarnnmmpaynxetbyyordndde. Credit limit $200.00 Cash Advance Credit Umit SI00.00 wo may ta'e to pay a late ice dtm Available Credit: SI 78.78 Available Credit for Cash Advances: SI00.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 512.45 - 575.00 $20.40 533.37 ( 52122 ) New York residents may contact the New York State Oepartment of Anancial Services to obtain a comparative listing of aedit card rates, fees, and race rods. Contact the New YorkState Department of Finandal Services: or www.dfs.ny.gov. Don't understand TRANSACTIONS credit? PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS= 1 13 JUN Cap 1 DebitCardPhonePmt AuthDate 13-Jun ($75.00) That's because you've never had a teacher like this: TRANSACTIONS FOR PHIWP I WILLIAMS I= capitalone.com/financialeducation 1 15 MAY DUNKIN #338398 035110010NY 58.13 2 15 MAY SUNOCO 0007155517 OPSOROOKLYNNY 425.24 Check it out on your schedule, 24/7. 300014-C Total for PtiiKip Milano MI $33.37 ► To Transactions This Period 53327 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. FEES 1 12JUN PAST DUE FEE 519.00 Annual Percentage Balance Subject to Type of Balance Interest Charge Total Fees This Period 519.00 Rate (APR) Interest Rate Purchases 22.90% P 571.72 51.40 Cash Advances 24.90% P S0.00 $0.00 P,L,D,F = Venable 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. 1 Account ending in Due Date New Balance Minimum Payment Amount Enclosed LESS WASTE! $2122 $2122 Since you haven't been sending your Jul12,2015 payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123849 OM if How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates How do you Process Payments? Vita you make a garment, you authara us to inkilte an ACM of we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been ekatonc payment that MI be debited ken your hark account or other related account. When you provide a paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent Wheaten emcees INFriplenta 10f ad:Wont inlormateer. For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of Et the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each (am may nit be uedoed as of theday to meve0ern. BlIrg Cyde if your account is subject Wan IntereStChowe. How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with innsan• I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that 'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% segment as d that day. The fall is the daily balance fa each secant However, d your waren What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are StdteatteM mite IC us at not added to the dal), balance. Capitalhe P.O. Boa 30285 Sail Lake City. UT 84130-0285 2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. In your tele, gve us thekilning irionsidon: 3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant.(ci each seven, byte daly Amount Warman: Your name and a WIemettl. pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days Dela( amain: The dotal aura cl the suspected mot n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered Ifireogrica of Ftobkm: a you think there is an erns en you bit, describe what you betere is wrong and wey Charge fa the Biting Cyde. you belere it 6 a mistake. You must contact us within 60days after the ern appeared on you( statement You NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge must notify us of any potential errors in sating. You may call us a may us elearonalre but it you do we are eau* assessed. not lectured WinveStwite any potential with and you may hint to pay the stoat n question. We wil nadir How can my Veda* APR Mame? Your APR may increase or decrease based on one of the folbaing reported you in writs% settin 30 dare dour (eta of your letter. While we antifreeze whether or not therehas been an Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code emit the laboring aretrues on their:ace/01s statement men to yds/Wrest then there theatrebelow: We arra try to corer the recut in question, a report you as deinquem on that amount The dung. in Code neat to your How do we calculate your APR%) When yew APHIS) question may remain on year summons and we may contra to charge you Otefeit on that amount. But, it she NW) Indes + margin (previously disclosed to will change determine that we made a (result, you Vin net have to pay the awn in question 01any interest Or ether lees you) related to Ow WOOL While you do ra have to pay the amount in question until at MO you a nonce about the outcome of as P Prim Rate + °Inn The frst day of the Ming Cycles that you are imp:amble fate remander 01 tow balance. L 3 mooch LIBOR + raters and in Ian, Apt lure and Oa. Wean apply errs unpaid amount aging your credo Unit Within %days Mow recta of you lute, we sal Send you a written Wee exptinkw ether that we corrected the error go appear on your eta statement) or the 0 POT* Rate + outgo The lady/of each Biting Cyde ream we believe the Oil is correct. F I nreath LIBOR + (Arun Your Rights If You Are Dissatisfied With Your Pun:base: If you are dawdled wth the goods or services that you have purchased with your Credt card, and you have tried in good faith to correct the problem with the merchant you may ham the fight not to pay tie retaining amount due on the purchase. To use this rite, the How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may (rebaing ups be we: avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly I) You must have used your credo mad (a the purchase. Dachas.' made wth cash ethances from an ATM a membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. %riga dad that accesses your Credt adamant &roar:to:lib/. and Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost 2) You must not yet have luly paid kr the phase. II al cl the aterei above are met and you are soil desrestred with the pschase, contact us in twang at moora Capital One P.O. Box 30285 Sail Lake City, UT 84130-0285 How do I Make Pummels? You may mate you 0.ayMert 0 several ways: I. Onine and kwgng into jour account YAMle se inseidgate, the same rules apply to tie disputed amount as dsoesed above. Ake( we finish our 2. Capital One Mobile Banking app for apt:toted electronic derma investigation, we wit all you OfsdecMco. At that poink il we think you owe an amount and you do not pay we 3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid may report you as Cancan loloareg the saeForam 4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour rt 2015 caper One. Copal One is a tederalre regmered servo mat rtptieMECNO 5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your account inkrmadon. ETC 08 Mliot Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper dip your check to the payment slip. Address • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink your account number on your check. EFTA00123850 Pa 2 of 2 Customer Service May.16 -Jun.15, 2015 31 Days In Billing Cyde Capitaiale www.capitalone.com ] Credit Limit S200.00 Platinum MasterCard Account ending in Available Credit $178.78 NE? BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Umit $100.00 lI $2122 82122 Jul12,2015 Available Credit for Cash Advances: $100.00 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance $42.45 $75.00 $33.37 $21.22 TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PURCHASES S1.40 Total Interest This Period S1.40 TOTALS YEAR TO DATE Total fees This Year S78.00 Total Interest This Year S14.90 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123851 Page 1 of 2 Customer Same Jun.16 - Jul. 15, 2015 30 Days in Ming Cyde Capitalaw www.capitalone.com 1 MINIMUM PAYMENT WAPJANG: E)numdeortyPzrmirumpetmateachpedod.yau MIpay rrae inixereslaxl Mode yau bnperb pay oT rxr tcirce.Forexatoe: Platinum MasterCard Account ending in'. Payment Amount Each Period It No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUEDATE Additional Charges An Made Statement Balance Total Cost $77.54 $25.00 Aug 12,2015 WrenPatted Sal :!.••• tl yar mark!lientrmalco Saxe creel =mare antes. cala PLEASE PAY AT Lair TinSAIMINT LATE PAYMENT WARNING: Boman natrecaoymrnnnunpeyrterabypedede, Credit Unit $200.00 Cash Advance Credit Umit $100.00 murreytesem pay a late ke caw eaSIRCO Available Credit: 5122.46 Available Credit for Cash Advances: $100.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $0.50 $105.82 $77.54 $21.22 ( $50.00 ) ) J New York residents may contact the New York State Oepanment of Anancial Services to obtain a comparative listing of oedit card rates, fees, and race riods. Contact the New York State Department of Finandal Services: or rinow.d5.ny.gOv. YOU ARE HERE. WE ARE TOO. TRANSACTIONS Check your balance directly from your PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS phone and: 1 13 JUL Cap 1 FlectronicPhonePmtAuthDate 124UL (550.00) P View recent transactions P Pay your Capital One.' bill TRANSACTIONS FOR PHIWP I WILLIAMS I= P Check your rewards balance 1 18 JUN SPEEDWAY 076551ERIGIONY $20.14 Go to m.capitaione.com on your mobile device 2 20JUN POPEAS CHIKCENBROOKLYNNY $20.68 and manage your account at the speed of you. 3 22 JUN QUEENS BL FILL N WQ39LONG ISLAND CNY 303029{ $13.00 4 24 JUN MTA BRIDGES AND TUNNUNEW YORKNY $32.00 5 13 JUL QUEENS BL FILL If WQ39LONG ISLAND CNY $20.00 INTEREST CHARGE CALCULATION Total for Phillip I William= $105.82 Your Annual Percentage Rate (AM) is the annual interest rate on your account. ► ToldllyedicrelNePalod $105.82 Annual Percentage Balance Subject to Type of Balance interest Charge Rate (APR) interest Rate FEES Purchases 22.90% P $19.29 $0.00 Cash Advances 24.90% P $0.00 $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 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in Due Date New Balance Minimum Payment Amount Enclosed LESS WASTE! Aug 12,2015 Since you haven't been sending your $77.54 $25.00 -)( payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400322 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank flISA). N.A. P.0. Box 71063 Charlotte. NC 28272-1083 EFTA00123852 OM if How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates How do you Process Payments? Vita you make a garment, you authara us to inkilte an ACM of we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been ekatonc payment that MI be debited ken your hark account or other related account. When you provide a paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent Wheaten emcees INFriplenta 10f ad:Wont inlormateer. For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of Et the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each (am may nit be uedoed as of theday to meve0ern. BlIrg Cyde if your account is subject Wan IntereStChowe. How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with innsan• I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that 'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% segment as d that day. The fall is the daily balance fa each secant However, d your waren What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are StdteatteM mite IC us at not added to the dal), balance. Capitalhe P.O. Boa 30285 Sail Lake City. UT 84130-0285 2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. In your tele, gve us thekilning irionsidon: 3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant.(ci each seven, byte daly Amount Warman: Your name and a WIemettl. pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days Dela( amain: The dotal aura cl the suspected mot n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered Ifireogrica of Ftobkm: a you think there is an erns en you bit, describe what you betere is wrong and wey Charge fa the Biting Cyde. you belere it 6 a mistake. You must contact us within 60days after the ern appeared on you( statement You NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge must notify us of any potential errors in sating. You may call us a may us elearonalre but it you do we are eau* assessed. not lectured WinveStwite any potential with and you may hint to pay the stoat n question. We wil nadir How can my Veda* APR Mame? Your APR may increase or decrease based on one of the folbaing reported you in writs% settin 30 dare dour (eta of your letter. While we antifreeze whether or not therehas been an Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code emit the laboring aretrues on their:ace/01s statement men to yds/Wrest then there theatrebelow: We arra try to corer the recut in question, a report you as deinquem on that amount The dung. in Code neat to your How do we calculate your APR%) When yew APHIS) question may remain on year summons and we may contra to charge you Otefeit on that amount. But, it she NW) Indes + margin (previously disclosed to will change determine that we made a (result, you Vin net have to pay the awn in question 01any interest Or ether lees you) related to Ow WOOL While you do ra have to pay the amount in question until at MO you a nonce about the outcome of as P Prim Rate + °Inn The frst day of the Ming Cycles that you are imp:amble fate remander 01 tow balance. L 3 mooch LIBOR + raters and in Ian, Apt lure and Oa. Wean apply errs unpaid amount aging your credo Unit Within %days Mow recta of you lute, we sal Send you a written Wee exptinkw ether that we corrected the error go appear on your eta statement) or the 0 POT* Rate + outgo The lady/of each Biting Cyde ream we believe the Oil is correct. F I nreath LIBOR + (Arun Your Rights If You Are Dissatisfied With Your Pun:base: If you are dawdled wth the goods or services that you have purchased with your Credt card, and you have tried in good faith to correct the problem with the merchant you may ham the fight not to pay tie retaining amount due on the purchase. To use this rite, the How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may (rebaing ups be we: avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly I) You must have used your credo mad (a the purchase. Dachas.' made wth cash ethances from an ATM a membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. %riga dad that accesses your Credt adamant &roar:to:lib/. and Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost 2) You must not yet have luly paid kr the phase. II al cl the aterei above are met and you are soil desrestred with the pschase, contact us in twang at moora Capital One P.O. Box 30285 Sail Lake City, UT 84130-0285 How do I Make Pummels? You may mate you 0.ayMert 0 several ways: I. Onine and kwgng into jour account YAMle se inseidgate, the same rules apply to tie disputed amount as dsoesed above. Ake( we finish our 2. Capital One Mobile Banking app for apt:toted electronic derma investigation, we wit all you OfsdecMco. At that poink il we think you owe an amount and you do not pay we 3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid may report you as Cancan loloareg the saeForam 4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour rt 2015 caper One. Copal One is a tederalre regmered servo mat rtptieMECNO 5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your account inkrmadon. ETC 08 Mliot Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper dip your check to the payment slip. Address • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink your account number on your check. EFTA00123853 Page2of 2 Customer Santa Jun. 16 - Jul. IS, 2015 30 Days in Billing Cyde Capital www.capilaione.com ] Credit Limit S200.00 Platinum MasterCard Account ending kilEl Available Credit $122.46 NEIVReLLANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Umit $100.00 lI $7734 $25.00 Aug 12, 2015 Available Credit for Cash Advances: $100.00 Previous Balance Payments and Credits Transactions New Balance S21.22 550.00 $105.82 S77.54 TRANSACTIONS CONTINUED FEES (CONTINUED) 11 I I S JUL MINIMUM INTEREST CHARGE S0.50 Total Fees TM Period S0.50 INTEREST CHARGED Total Interest This Period S0.00 TOTALS YEAR TO DATE Total Fees TM Year 578.50 Total Interest This Year $14.90 EFTA00123854 Pagel of 2 Customer Service Jul. 16 -Aug. IS, 2015 31 Days in Billing Capitay)fle www.capdalone.com Cyde1 MINIMUM PAYMENT WARNING: Il)nunuleortythernirinunpapeleathpesad.you oilpay rrae irccoastsrdEMI take you toperb pay cdpxr totem.Forman*: Platinum MasterCard Account ending in Payment Amount Each Period It No Approximate Time to Pay Off Estimated NBVELALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost 5151.28 525.00 Sep 12, 2015 AlarmPamert 8 licsthN) Sled tl oamoidiPanymarcn aos.r.MCI( CO.rezirg sences. calI PICAS( PAY Al LEAST OnS MOUNT LATE PAYMENT WARNING: r no do nct recerk yes nuurunparse by ynclactle. Credit Limit $200.00 Cash Advance Credit Umit $100.00 )a way haat,pay a late Re alto Mtn Available Credit: $48.72 Available Credit for Cash Advances: $48.72 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $77.54 J - L $119.00 + $3.24 J $189.50 $151.28 New York residents may contact the New York State Department of Anancial Services to obtain a comparative listing of oedit card rates, fees, and race nods. Contact the Its easy to set up your New York State Department of Finandal Services: or www.dfs.ny.gov. TRANSACTIONS FREE account alerts: First, "Log In" to Online Banking. Next, sign up by: PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 12 JUN PAST OUE FEE ADJUSTMENTNT ($19.00) 1. Clicking "Messaging and Alerts" 2 23 JUL Cap 1 DebitCardPhonePmt AtithDate 22-Jul ($50.00) 2. Clicking "Set Alerts" 3 13 AUG Cap 1 OebitCardPhonePmt AuthDate 12-Aug ($50.00) 3. Choosing the free alerts you'd like to receive Your wrier may charge a lee for each text message alert you receive. TRANSACTIONS FOR PHIWP I WILLIAMS 300007< 1 13 JUL Rtn ElearonicPhonePmt 550.00 2 15 JUL DUNKIN #338398 035JESIJCHONY $30.68 3 22 JUL DUNKIN #304160 035UNIONDAIENY $20.03 4 24 JUL SNAPPY'S SOSCLEARFIELDPA INTEREST CHARGE CALCULATION $45.00 5 28 JUL SUNOCO 0007155517 QPSBROOIONNY $25.01 Your Annual Percentage Rate (APR) is the annual interest rate on your account. 6 28 JUL MCDONAUYS F10528NEVY YORKIA, $12.60 Annual Percentage Balance Subject to 7 29 JUL MCDONAUYS F3835NEW YORKNY $6.18 Type of Balance Interest Charge Rate (APR) Interest Rate Total for Phillip I arnsMI $189.50 Purdiases 22.90% P $161.99 $3.15 Cash Advances 24.90% P $0.00 $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 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in Due Date New Balance Minimum Payment Amowqii!doscu LESS WASTE! $15128 Since you haven't been sending your Scp12,2M5 )C $25.00 payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 28272-1083 .11.1.111.11--11111111.1111 EFTA00123855 OM if How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates How do you Process Payments? Vita you make a garment, you authara us to inkilte an ACM of we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been ekatonc payment that MI be debited ken your hark account or other related account. When you provide a paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent Wheaten emcees INFriplenta 10f ad:Wont inlormateer. For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of Et the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each (am may nit be uedoed as of theday to meve0ern. BlIrg Cyde if your account is subject Wan IntereStChowe. How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with innsan• I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that 'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% segment as d that day. The fall is the daily balance fa each secant However, d your waren What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are StdteatteM mite IC us at not added to the dal), balance. Capitalhe P.O. Boa 30285 Sail Lake City. UT 84130-0285 2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. In your tele, gve us thekilning irionsidon: 3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant.(ci each seven, byte daly Amount Warman: Your name and a WIemettl. pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days Dela( amain: The dotal aura cl the suspected mot n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered Ifireogrica of Ftobkm: a you think there is an erns en you bit, describe what you betere is wrong and wey Charge fa the Biting Cyde. you belere it 6 a mistake. You must contact us within 60days after the ern appeared on you( statement You NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge must notify us of any potential errors in sating. You may call us a may us elearonalre but it you do we are eau* assessed. not lectured WinveStwite any potential with and you may hint to pay the stoat n question. We wil nadir How can my Veda* APR Mame? Your APR may increase or decrease based on one of the folbaing reported you in writs% settin 30 dare dour (eta of your letter. While we antifreeze whether or not therehas been an Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code emit the laboring aretrues on their:ace/01s statement men to yds/Wrest then there theatrebelow: We arra try to corer the recut in question, a report you as deinquem on that amount The dung. in Code neat to your How do we calculate your APR%) When yew APHIS) question may remain on year summons and we may contra to charge you Otefeit on that amount. But, it she NW) Indes + margin (previously disclosed to will change determine that we made a (result, you Vin net have to pay the awn in question 01any interest Or ether lees you) related to Ow WOOL While you do ra have to pay the amount in question until at MO you a nonce about the outcome of as P Prim Rate + °Inn The frst day of the Ming Cycles that you are imp:amble fate remander 01 tow balance. L 3 mooch LIBOR + raters and in Ian, Apt lure and Oa. Wean apply errs unpaid amount aging your credo Unit Within %days Mow recta of you lute, we sal Send you a written Wee exptinkw ether that we corrected the error go appear on your eta statement) or the 0 POT* Rate + outgo The lady/of each Biting Cyde ream we believe the Oil is correct. F I nreath LIBOR + (Arun Your Rights If You Are Dissatisfied With Your Pun:base: If you are dawdled wth the goods or services that you have purchased with your Credt card, and you have tried in good faith to correct the problem with the merchant you may ham the fight not to pay tie retaining amount due on the purchase. To use this rite, the How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may (rebaing ups be we: avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly I) You must have used your credo mad (a the purchase. Dachas.' made wth cash ethances from an ATM a membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. %riga dad that accesses your Credt adamant &roar:to:lib/. and Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost 2) You must not yet have luly paid kr the phase. II al cl the aterei above are met and you are soil desrestred with the pschase, contact us in twang at moora Capital One P.O. Box 30285 Sail Lake City, UT 84130-0285 How do I Make Pummels? You may mate you 0.ayMert 0 several ways: I. Onine and kwgng into jour account YAMle se inseidgate, the same rules apply to tie disputed amount as dsoesed above. Ake( we finish our 2. Capital One Mobile Banking app for apt:toted electronic derma investigation, we wit all you OfsdecMco. At that poink il we think you owe an amount and you do not pay we 3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid may report you as Cancan loloareg the saeForam 4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour rt 2015 caper One. Copal One is a tederalre regmered servo mat rtptieMECNO 5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your account inkrmadon. ETC 08 Mliot Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), NA. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper dip your check to the payment slip. Address • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink your account number on your check. EFTA00123856 Page2of 2 Customer Service Jul 16 - Aug.15, 2015 31 Days in Riling Cyde CapstalOne www.capitalone.com 1 Credit Limit 5200.00 Platinum MasterCard Account ending In Available Credit $48.72 WY BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit 5100.00 $151.28 Ea® sep12,2ms Available Credit for Cash Advances: 5413.72 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance $7734 $119.00 516•930 c 5151.28 (TRANSACTIONS CONTINUED ► TolalTireaellonslhls Period $189.50 FEES Total fees Tha Period S0.00 INTEREST CHARGED INTEREST CHARGE ADJUSTMENT 50.09 INTEREST CHARGE:PURCHASES 53.15 Total Interest This Period 53.10 TOTALS YEAR TO DATE Total Fees This Year 559.50 Total Interest !Ns Year 518.10 EFTA00123857 Page to, 3 Customer Senn% Aug. 16 • Sep. 15, 2015 31 Days in Billing Cyde CaptO www.capitalone.com ] MINIMUM PAYMENT WARNING: Ilyounamortytherriturnpamorteadipend.mu MIpay we Weesta4 nil We mubmarb pay cdp.r tcirce. FotexatOe: Platinum MasterCard Account ending in MI Payment Amount Each Period If No Approximate Time to Pay Off Estimated PEWBALANCE MINIMUM PAYMENT DUEDATE Additional Charges An Made Statement Balance Total Cost 5190.74 551.00 Oct 12,2015 MarcoPaprert mmoirithentemercn anzacreitcetrodroomicaLail PLEASE PAY AT LEAST TIMMOUNT LATE PAYMENT WARNING: Bwedonelecaeyarninunpapalbyyarduechle. Credit Limit $200.00 Cash Advance Credit Umit 5100.00 pau way haem pay a We to dtp eaSI910. Available Credit: 59.26 Available Credit for Cash Advances: 59.26 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $151.28 Sem $22.35 Si,.'' $190.74 for questions about this account. please give us a call at 1-SO0-955-6600. well be glad to help you Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. Help is available New York residents may contact the New York State Department of financial Services to obtain a comparative listing of credit card rates, fees, and race clods. Contact the New YorkState Department of Finandal Services: or www.dfs.ny.gov. Avoid missing future payments by setting up free, customizable account alerts. (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS Enroll in online banking or log into your account at capitalone.com 3C0O4S TRANSACTIONS FOR PHIWP I WIWAMS 1 15 AUG NEWSUNK 8102A NMAYMIAM Total tor PeekIVAIhrits= $17.11 INTEREST CHARGE CALCULATION PP TetdTareacionsINsPolod $17.11 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Interest Charge FEES Rate (APR) Interest Rate 1 12 SEP PAST DUE FEE $19.00 Purchases 22.90% P $172.43 $3.35 Total Fees This Period $19.00 Cash Advances 24.90% P S0.00 50.00 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 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in - Due Date New Balance Minimum Payment Amount Enclosed Take Advantage. Take Control. Oct 12,2015 $190.74 $51.00 Manage your account online at PLEASE PAY AT LEAST www.capitalone.com THIS AMOUNT • Set up account alerts • Review account information • Manage your account in privacy 403320 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank MA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123858 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been electronic payment that yell be debited ken your hank account or other related account. When you provide a paying your mount in lull wth no Interest Charges. but then you do not pay your nit NenPatrice in ben we will check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the finismay be ohne" born four bank account as soon as the sarre day we process your payment. total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement WSW wIllthou Credit *Payments lot addbonal inbraxim. Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe statement and your check to the mood address an the front et this statement Please stow at least 171 Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost (am may not be credted as of the day we (*CM.Dens. Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the Bing Cytie if 'out account is subject loan Interest Change. bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new Iowa APRs. transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk tiling Rights Summary (Pees oraletppi) toSondeitcanect Arrountg Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months summits, wag to us at balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the In your leder, wse us the kilormg Sensation: Barg Cycle. The result is the Average Daily Bianakt each serpent Account "notion: Your name and accost roster. 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic DOlafaMtha: The dolor amine( the suspectedMt rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You Bang Cycle. must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy aaualy assessed. you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported error, the boning are true. inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in on the km cd ths summed net to yes Wen check the table below. question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we Code next to Now do we calculate your APRs)? When yaw Antis) will change determine that we made a migalt you wit not have to pay the non in question or any interest or other lees yew APRs) coda + margin (previously d'udosed to you) related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds P Fyne Rate + urge The first day of the Ming Cycles that ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. 3 man LMOR + nucgn end in lanslip61July, and 0G. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn D Pen* Rine + The int day of each Biting Cycle. send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the I month U8OR + nuoyn (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly Mixing met be mix trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you whh a check that accesses your (reit cardaux" drat quality, and mco.a. 2y You must not yet hoe luty paid kr thepsalm.. Now do I Make Payments? You nay mire your payment in seven ways: II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at I. Di:lineand kiggng into youraccount. Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 2. Captal One Motile Barking app kr approved dentingMikes; While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we Mowng the voce prompts; may report you as dein:Nem. • CtileV the te hone nubet lend n the boa of ths latorent and Pithidkg your intimation to our ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" ITC08 OR'IA'15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123859 Customer Sava Aug. 16 - Sep. IS, 2015 31 Days in Billing Cyde CapitalOne www.capitalone.com ] Credit Limit 5200.00 Platinum MasterCard Account ending inIII Available Credit 39.26 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit 5100.00 lI $190.74 $51.00 Oct 12,2015 Available Credit for Cash Advances: $9.26 Previous Balance Payments and Credits Fees and Interest ed Transactions New Balance $151.28 $0.00 517.11 $190.74 TRANSACTIONS CONTINUED MEREST CHARGED INTEREST CHARGE:PURCHASES 53.35 Total Interest This Period 53.35 TOTALS YEAR TO DATE Total fees This Year 578.50 Total Interest This Year 521.49 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123860 Rev. 07/2015 201213 CapitalOrie WHAT DOES CAPITAL ONE® FACTS 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 you What? 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. Does Capital One Can you limit this Reasons we can share your personal information share? sharing? For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders YES NO and legal investigations, or report to credit bureaus For our marketing purposes — YES NO to offer our products and services to you For joint marketing with other financial companies YES NO For our affiliates' everyday business purposes — information YES NO about your transactions and experiences For our affiliates' everyday business purposes — information YES YES about your creditworthiness For our affiliates to market to you YES YES For nonaffiliates to market to you YES YES ■ Call us toll free: 1-888-817-2970 — our menu will prompt you th ough your choices. To limit our sharing Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Go to www.caoitalone.com/contactus OID:17697 Please Recycle EFTA00123861 Page 2 Who we are Who is providing this notice? Our affiliates include financial companies with the Capital One. Chevy Chase, Onyx. and Greenpoint names, such as Capital One Bank (USA). National Association; and Capital One, National Association. What we do How does Capital One To protect your personal information from unauthorized access and use. protect my personal information? we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does Capital One collect my 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, and Greenpoint names, such as Capital One Bank (USA), National Association; and Capital One, National Association. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. ■ Nonaffiliates we share with can include insurance companies, service providers, co-branded partners, retailers, data processors, and advertisers. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include companies such as other banks and insurance companies. Other important information CA and VT Residents: We will not share 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. NV Residents: Notice provided pursuant to state law. To be placed on our intemal Do Not Call List, call 1-888-817-2970. If you would like more information about telemarketing practices, you may contact us at Capital One, P.O. Box 30285. Salt Lake City, UT 84130-0286 nr wehinfn@capitalone.com. For more on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 1-702-486-3132; e-mBit. BC:PINFiVaci gimp nv us Telephone Communications: All telephone communications with us or our authorized agents may be monitored or recorded. 2015 Capital One. Capital One is a federally registered service mark. All rights reserved. EFTA00123862 Page 1 of 2 Customer Same Sep. 16 -Oa 15, 2015 30 Days in Bill® Cyde Capital(? www.capdalone.com 1 MINIMUM PAYMENT MAIMING: Il)namde orty niniturnpapTerseadtpaod.pi MIpay rue in ircereslardEMI take mu bnperb pay ol [date.For exams*: Platinum MasterCard Account ending in - Payment Amount Each Peilod If No Approximate Time to Pay Off Estimated FEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost 5172.96 $25.00 Nov 12, 2015 tantrumPmenert 9Mashy) Vets yormxidliestemalco &cm ceitcculadig semi:etc:EA a PLUM PAY AT LEAST DinemOuNT LATE PAYMENT WARNING: Itwocb ma memo ycurrmyrun payment by yoydues Credit Limit $200.00 Cash Advance Credit Umit SI00.00 pu troyPattipay elate lee alto toSI9tO Available Credit: $27.04 Available Credit for Cash Advances: $27.04 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance L. $19034 j S100.00 j + $2.97 + $79.25 $172.96 New York residents may contact the New York State Department of kennel Services to obtain a comparative listing of oedit card rates, fees, and race Sods. Contact the Its easy to set up your New YorkState Department of finandal Services: or www.dfs.ny.gov. TRANSACTIONS FREE account alerts: First, "log In" to Online Banking. Next, sign up by: PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 26 SEP Cap 1 DebitCardPhonePrntAuthDate 26-Sep (1100.00) 1. Clang "Messaging and Alerts" 2. Clicking "Set Alerts" TRANSACTIONS FOR PIIIWP I WIWAMS l= 3. Choosing the free alerts you'd like to receive 1 29 SP USPS 350989034359109758ROOKLYNNY $833 Your carrier may charge a lee for each texi message alert you receive. 2 29 SEP NYCOOT PARKING METERSLONG IS OTYNY $4.00 300007-C 3 30 SEP NYCOOT PARKING METERSLONG IS OTYNY $4.00 4 02 OCT NYCDOT PARKING METEPSLONG IS CITYNY $4.00 5 04 OCT CHINA NEW STAR REST.BROOKLYNNY $26.62 6 06 OCT WALDBAUM'S #70240BROOKLYNNY INTEREST CHARGE CALCULATION $23.77 7 06 OCT 45 DEU MARKETNEW YORKNY $8.53 Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Total for Phdlp I Williams- $79.25 Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APft) Interest Rate le Total Transactions This Period $79.25 Purchases 22.90% P 5157.94 $2.97 Cash Advances 24.90% P 50.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details L Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVWW.CAP1TALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in - Due Date New Balance Minimum Payment Amount Enrlo,, u LESS WASTE! Nov 12,2015 ( Since you haven't been sending your $172.96 $25.00 7 payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 l" I EFTA00123863 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been electronic payment that yell be debited ken your hank account or other related account. When you provide a paying your mount in lull wth no Interest Charges. but then you do not pay your nit NenPatrice in ben we will check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the finismay be ohne" born four bank account as soon as the sarre day we process your payment. total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement WSW wIllthou Credit *Payments lot addbonal inbraxim. Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe statement and your check to the mood address an the front et this statement Please stow at least 171 Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost (am may not be credted as of the day we (*CM.Dens. Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the Bing Cytie if 'out account is subject loan Interest Change. bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new Iowa APRs. transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk tiling Rights Summary (Pees oraletppi) toSondeitcanect Arrountg Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months summits, wag to us at balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the In your leder, wse us the kilormg Sensation: Barg Cycle. The result is the Average Daily Bianakt each serpent Account "notion: Your name and accost roster. 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic DOlafaMtha: The dolor amine( the suspectedMt rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You Bang Cycle. must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy aaualy assessed. you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported error, the boning are true. inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in on the km cd ths summed net to yes Wen check the table below. question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we Code next to Now do we calculate your APRs)? When yaw Antis) will change determine that we made a migalt you wit not have to pay the non in question or any interest or other lees yew APRs) coda + margin (previously d'udosed to you) related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds P Fyne Rate + urge The first day of the Ming Cycles that ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. 3 man LMOR + nucgn end in lanslip61July, and 0G. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn D Pen* Rine + The int day of each Biting Cycle. send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the I month U8OR + nuoyn (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly Mixing met be mix trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you whh a check that accesses your (reit cardaux" drat quality, and mco.a. 2y You must not yet hoe luty paid kr thepsalm.. Now do I Make Payments? You nay mire your payment in seven ways: II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at I. Di:lineand kiggng into youraccount. Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 2. Captal One Motile Barking app kr approved dentingMikes; While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we Mowng the voce prompts; may report you as dein:Nem. • CtileV the te hone nubet lend n the boa of ths latorent and Pithidkg your intimation to our ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" ITC08 OR'IA'15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123864 Pa e 2 of 2 Customer Seem Sep. 16 .Ott. IS, 2015 30 Days in Riling Cyde Capitafdde www.capitalone.com Credit Limit $200.00 Platinum MasterCard Account ending In Available Credit $27.04 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Unit $100.00 lI $17296 $25.00 Nov 12, 2015 Available Credit for Cash Advances: $27.04 Previous Balance Payments and Credits Transactions New Balance $190.74 $100.00 $79.25 $172.96 TRANSACTIONS CONTINUED FEES Total Fees This Period $0.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES 52.97 Total Interest This Period 52.97 TOTALS YEAR TO DATE Total fees This Year S78.50 Total Interest This Year $24.46 EFTA00123865 1 Page 1 of 2 Customer Sennee Oct. 16 - Nov. 15, 2015 31 Days In Riling Cyde Capita)One www.capdalone.com MINIMUM PAYMENT WARNING: Ilwamde lytemritturnpamarleadtpsod.pi MIpay rueit itemslaxl nil oda mu boom poy oT )os tciance.Format*: Platinum MasterCard A«ount ending in Payment Amount Each Period It No Approximate Time to Pay ON Estimated PEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost S176.35 $25.00 Dec 12,2015 WeanPatted 911crtn 6193 prmatldIke nirmalco Sas cloth ccutswg sewes cal a PLEAS PAY AT Lair NM AA&UNT LATE PAYMENT WARNING: Condo root moue )cu- mnminpantre by yar dad*. Credit Limit $200.00 Cash Advance Credit Umit S100.00 you way tam atopay a late lee dtp b SACO Available Credit: $23.65 Available Credit for Cash Advances: $23.65 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $172.96 $50.00 j $22.98 J + 530.41 5176.35 3 New York residents may contact the New York State Department of financial Services to obtain a comparative listing of credit card rates, fees, and race Sods. Contact the It's easy to set up your New YorkState Department of Finandal SentiCeS: or www.dfs.ny.gov. TRANSACTIONS FREE account alerts: First, "log In" to Online Banking. Next, sign up by: PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 14 NOV Payment received. Thank you! ($50.00) 1. Clicking "Messaging and Alerts" 2. Clicking "Set Alerts" 3. Choosing the free alerts you'd like to receive TRANSACTIONS FOR PHIWP I WILLMMS 1 14 OCT SUNOCO 0001155517 OPSBROOKLYNNY 320.08 Your carrier may charge a fee for each text message alert you receive. 2 16 ea POPEYES CHIKCENBROOKLYNNY $10.33 T0000rc Total for PhMlp I WilliamMI $30.41 ► Total Traneaceons Period $3OA1 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. FEES 12 NOV PAS1 DUE FEE $19.00 Annual Percentage Balance Subject to Type of Balance Interest Charge Total Fees This Period 319.00 Rate (APR) Interest Rate Purchases 22.90% P $204.52 53.98 Cash Advances 24.90% P $0.00 50.00 P,L,D,1 = 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.CAPiTAEONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in Due Date New Balance Minimum Payment Amount Enclosed LESS WASTE! Since you haven't been sending your Dec 12,2015 $17635 $25.00 payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA). N.A. P.O. Box 71063 II ' Charlotte. NC 28272-1083 111111' I" WTI" ::I I EFTA00123866 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been electronic payment that yell be debited ken your hank account or other related account. When you provide a paying your mount in lull wth no Interest Charges. but then you do not pay your nit NenPatrice in ben we will check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the finismay be ohne" born four bank account as soon as the sarre day we process your payment. total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement WSW wIllthou Credit *Payments lot addbonal inbraxim. Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe statement and your check to the mood address an the front et this statement Please stow at least 171 Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost (am may not be credted as of the day we (*CM.Dens. Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the Bing Cytie if 'out account is subject loan Interest Change. bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new Iowa APRs. transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk tiling Rights Summary (Pees oraletppi) toSondeitcanect Arrountg Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months summits, wag to us at balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the In your leder, wse us the kilormg Sensation: Barg Cycle. The result is the Average Daily Bianakt each serpent Account "notion: Your name and accost roster. 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic DOlafaMtha: The dolor amine( the suspectedMt rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You Bang Cycle. must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy aaualy assessed. you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported error, the boning are true. inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in on the km cd ths summed net to yes Wen check the table below. question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we Code next to Now do we calculate your APRs)? When yaw Antis) will change determine that we made a migalt you wit not have to pay the non in question or any interest or other lees yew APRs) coda + margin (previously d'udosed to you) related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds P Fyne Rate + urge The first day of the Ming Cycles that ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. 3 man LMOR + nucgn end in lanslip61July, and 0G. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn D Pen* Rine + The int day of each Biting Cycle. send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the I month U8OR + nuoyn (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly Mixing met be mix trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you whh a check that accesses your (reit cardaux" drat quality, and mco.a. 2y You must not yet hoe luty paid kr thepsalm.. Now do I Make Payments? You nay mire your payment in seven ways: II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at I. Di:lineand kiggng into youraccount. Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 2. Captal One Motile Barking app kr approved dentingMikes; While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we Mowng the voce prompts; may report you as dein:Nem. • CtileV the te hone nubet lend n the boa of ths latorent and Pithidkg your intimation to our ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" ITC08 OR'IA'15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123867 Pa e 2 of 2 Customer Service 0ct. 16 - Nov. 15, 2015 31 Days in Billing Cycle Capitalinje www.capitalone.com 1 Credit Limit: 5200.00 Platinum MasterCard Account ending in Available Credit: $23.65 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit: 5100.00 $176.35 $25A0 Dee 12, MIS Available Credit for Cash Advances: $23.65 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance $172.96 550.00 530.01 $17635 TRANSACTIONS CONTINUED MEREST CHARGED INTEREST CHARGE:PURCHASES 53.98 Total Interest This Period 53.98 TOTALS YEAR TO DATE Total fees This Year 597.50 Total Interest This Year S28.44 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123868 Page1of 2 1. Customer Sant e Nov.16 - Dec.15, 2015 30 Days in Billing Cycle CapitalOne www.capitalone.com MINIMUM PAYMENT WANING: lycumde arty he mritturnpmmyleactipaiod.mu MIpay rue inixatislardEnd take Ku Womb pay oT rxr tcirce. ForexanWe: Platinum MasterCard Account ending inMI Payment Amount Each Period If No Approximate Time to Pay ON Estimated NBVBALANCE MINIMUM PAYMENT DUE DATE Additional Charges An Made Statement Balance Total Cost 6198.75 $51.00 Jan 12, 2016 lArirunPayout 911aVs:. 5216 tl yormatklIke inkriratcn atos Beat cossare sevces. calIS MAR PAY AT LEAST THIS AtOUNT LATE PAYMENT WARNING: Iva Oo rarecei.e)oxnumut paymeitywyduedae. Credit Limit $200.00 Cash Advance Credit Umit S100.00 pm treyFanpay a Late ke city SACO Available Credit: 61.25 Available Credit for Cash Advances: $1.25 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $176.35 j $0.00 $22.40 + $0.00 5198.75 for questions about this account, please give us a call at 1-000.955.6600. Well be glad to he you Monday through friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. Help is available New York residents may contact the NewYork State Department of financial Services to obtain a comparative listing of aedit card rates, fees, and race nods. Contact the New YorkState Department of Financial Services: or www.dfs.ny.gov. Avoid missing future payments by setting up free, customizable account alerts. (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I wr WAMS Enroll in online banking or log into your account at capitalone.com 3COM ( TRANSACTIONS FOR PHILLIP I WILLIAMS INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate (APR) is the annual interest rate on your account. 1 12 DEC PAM DUE FEE $19.00 Total Fees This Period $19.00 Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate INTEREST CHARGED Purchases 22.90% P $180.49 $3.40 Cash Advances 24.90% P S0.00 $0.00 P,LD,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 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 civat Account ending in Due Date New Balance Minimum Payment Amount Enclosed Take Advantage. Take Control. Jan 12,2016 ) $198.75 $51.00 Manage your account online at PLEASE PAY AT LEAST www.capitalone.com THIS AMOUNT • Set up account alerts • Review account information • Manage your account in privacy PHILLIP I WILLIAMS •103320) BROOKLYN, NY 11234-4029 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123869 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been electronic payment that yell be debited ken your hank account or other related account. When you provide a paying your mount in lull wth no Interest Charges. but then you do not pay your nit NenPatrice in ben we will check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the finismay be ohne" born four bank account as soon as the sarre day we process your payment. total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement WSW wIllthou Credit *Payments lot addbonal inbraxim. Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe statement and your check to the mood address an the front et this statement Please stow at least 171 Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost (am may not be credted as of the day we (*CM.Dens. Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the Bing Cytie if 'out account is subject loan Interest Change. bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new Iowa APRs. transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk tiling Rights Summary (Pees oraletppi) toSondeitcanect Arrountg Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months summits, wag to us at balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the In your leder, wse us the kilormg Sensation: Barg Cycle. The result is the Average Daily Bianakt each serpent Account "notion: Your name and accost roster. 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic DOlafaMtha: The dolor amine( the suspectedMt rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You Bang Cycle. must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy aaualy assessed. you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported error, the boning are true. inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in on the km cd ths summed net to yes Wen check the table below. question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we Code next to Now do we calculate your APRs)? When yaw Antis) will change determine that we made a migalt you wit not have to pay the non in question or any interest or other lees yew APRs) coda + margin (previously d'udosed to you) related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds P Fyne Rate + urge The first day of the Ming Cycles that ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. 3 man LMOR + nucgn end in lanslip61July, and 0G. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn D Pen* Rine + The int day of each Biting Cycle. send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the I month U8OR + nuoyn (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly Mixing met be mix trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you whh a check that accesses your (reit cardaux" drat quality, and mco.a. 2y You must not yet hoe luty paid kr thepsalm.. Now do I Make Payments? You nay mire your payment in seven ways: II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at I. Di:lineand kiggng into youraccount. Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 2. Captal One Motile Barking app kr approved dentingMikes; While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we Mowng the voce prompts; may report you as dein:Nem. • CtileV the te hone nubet lend n the boa of ths latorent and Pithidkg your intimation to our ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" ITC08 OR'IA'15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123870 Pa e2 of 2 Osstaner Service Nov. 16 - Der. 15, 2015 30 Days in Billing Cycles CapitO www.capitalone.com Credit Limit $200.00 Platinum MasterCard Account ending in - Available Credit SI.25 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Umit: $100.00 lI $198.75 $51.00 Jan 12. 2016 Available Credit for Cash Advances: SI.25 Previous Balance Payments and Credits Fees and Interest ed Transactions New Balance $176.35 $0.00 $0.00 I 5198.75 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES S3.40 Total Interest This Period S3.40 TOTALS YEAR TO DATE Total fees This Year $116.50 Total Interest This Year $31.84 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123871 Page 1 of 2 Customer Sconce Dec 16 - Jan. 15, 2016 31 Days in Bilk® Cyde CapitalOne wwwxapdalonetom 1 MINIMUM PAYMENT WARNING: Il)numde arty he mritturnpmmyleachpaiod. you et pay rue inriceslardEMINkemulangarb pay etrxr tciance. ForexaVe: Platinum MasterCard Account ending inM Payment Amount Each Period If No Approximate Time to Pay Off Estimated PEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $177.59 $25.00 Feb 12. 2016 lAntrunPapart glitch* 3194 tlmunomikentrmaton ann. cmdl ccumarg sent:es. 4111I PLEAS( PAY Al LE;ST DAS AMOUNT LATE PAYMENT WARNING: Bwedorareaucp.rmnmmparerbyyordJecte. Credit Limit $200.00 Cash Advance Credit Limit $100.00 purrey haem pay a We ke dtp 019M Available Credit: 522.41 Available Credit for Cash Advances: $22.41 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $,..,s j — $60.00 + l $3.40 $35.44 $177.59 New York residents may contact the New York State Department of Anancial Services to obtain a comparative listing of °edit card rates, fees, and race rods. Contact the New YorkState Department of finandal Services: or www.dfs.ny.gov. Always at your service... Pay your bill online and take advantage of TRANSACTIONS these and other on-the-go services: PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 18 DEC Payment received. Thank you! (S60.00) • Capital One' text messaging • Card replacement • Travel notification TRANSACTIONS FOR PHIWP I WILWUIAS 1 12 DEC BP00035311MARCY AVEOPSBROOKLYNNY 415.00 Log into www.capitalone.com to take 300026-C 2 22 DEC THE UPS STORE 05412BROOKLYNNY S2.16 advantage of these and other on-the-go services. 3 22 DEC FINE FARE9ROOKLYNNY 418.28 Total for Phillip I Williams.' $3544 INTEREST CHARGE CALCULATION 10, TotalTrartactonsThIsPelod 535“0 Your Annual Percentage Rate (AM) is the annual interest rate on your account. FEES Annual Percentage Balance Subject to Type of Balance Interest Charge Total Fees This Period S0.00 Rate (APR) Interest Rate Purchases 23.15% P $172.82 S3.40 Cash Advances 25.15% P 50.00 50.00 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 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in Due Date New Balance Minimum Payment Amount Enclosed LESS WASTE! $177.59 Since you haven't been sending your Feb 12, 2016 C t $25.00 -1 `• payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123872 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been electronic payment that yell be debited ken your hank account or other related account. When you provide a paying your mount in lull wth no Interest Charges. but then you do not pay your nit NenPatrice in ben we will check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the finismay be ohne" born four bank account as soon as the sarre day we process your payment. total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement WSW wIllthou Credit *Payments lot addbonal inbraxim. Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe statement and your check to the mood address an the front et this statement Please stow at least 171 Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost (am may not be credted as of the day we (*CM.Dens. Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the Bing Cytie if 'out account is subject loan Interest Change. bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new Iowa APRs. transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk tiling Rights Summary (Pees oraletppi) toSondeitcanect Arrountg Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months summits, wag to us at balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the In your leder, wse us the kilormg Sensation: Barg Cycle. The result is the Average Daily Bianakt each serpent Account "notion: Your name and accost roster. 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic DOlafaMtha: The dolor amine( the suspectedMt rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You Bang Cycle. must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy aaualy assessed. you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported error, the boning are true. inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in on the km cd ths summed net to yes Wen check the table below. question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we Code next to Now do we calculate your APRs)? When yaw Antis) will change determine that we made a migalt you wit not have to pay the non in question or any interest or other lees yew APRs) coda + margin (previously d'udosed to you) related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds P Fyne Rate + urge The first day of the Ming Cycles that ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. 3 man LMOR + nucgn end in lanslip61July, and 0G. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn D Pen* Rine + The int day of each Biting Cycle. send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the I month U8OR + nuoyn (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly Mixing met be mix trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you whh a check that accesses your (reit cardaux" drat quality, and mco.a. 2y You must not yet hoe luty paid kr thepsalm.. Now do I Make Payments? You nay mire your payment in seven ways: II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at I. Di:lineand kiggng into youraccount. Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 2. Captal One Motile Barking app kr approved dentingMikes; While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we Mowng the voce prompts; may report you as dein:Nem. • CtileV the te hone nubet lend n the boa of ths latorent and Pithidkg your intimation to our ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" ITC08 OR'IA'15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123873 Page2of 2 Customer Service Dec 16 - Jan. 15, 2016 31 Days in Bilkng Cyde Capitalone www.capitalone.com Credit Limit: 5200.00 Platinum MasterCard Account ending in Available Credit 522.41 WY BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit 5100.00 lI 6177.59 626.00 Feb 12,2016 Available Credit for Cash Advances: 522.41 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance $196.75 S60.00 $35.44 $177.59 ) TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PURCHASES 53.40 Total Interest This Period 53.40 TOTALS YEAR TO DATE Total fees This Year $0.00 Total Interest This Year 53.40 EFTA00123874 Page 1 of 2 Customer Sconce Dec 16 - Jan. 15, 2016 31 Days in Bilk® Cyde CapitalOne wwwxapdalonetom 1 MINIMUM PAYMENT WARNING: Il)numde arty he mritturnpmmyleachpaiod. you et pay rue inriceslardEMINkemulangarb pay etrxr tciance. ForexaVe: Platinum MasterCard Account ending inM Payment Amount Each Period If No Approximate Time to Pay Off Estimated PEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $177.59 $25.00 Feb 12. 2016 lAntrunPapart glitch* 3194 tlmunomikentrmaton ann. cmdl ccumarg sent:es. 4111I PLEAS( PAY Al LE;ST DAS AMOUNT LATE PAYMENT WARNING: Bwedorareaucp.rmnmmparerbyyordJecte. Credit Limit $200.00 Cash Advance Credit Limit $100.00 purrey haem pay a We ke dtp 019M Available Credit: 522.41 Available Credit for Cash Advances: $22.41 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $,..,s j — $60.00 + l $3.40 $35.44 $177.59 New York residents may contact the New York State Department of Anancial Services to obtain a comparative listing of °edit card rates, fees, and race rods. Contact the New YorkState Department of finandal Services: or www.dfs.ny.gov. Always at your service... Pay your bill online and take advantage of TRANSACTIONS these and other on-the-go services: PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 18 DEC Payment received. Thank you! (S60.00) • Capital One' text messaging • Card replacement • Travel notification TRANSACTIONS FOR PHIWP I WILWUIAS 1 12 DEC BP00035311MARCY AVEOPSBROOKLYNNY 415.00 Log into www.capitalone.com to take 300026-C 2 22 DEC THE UPS STORE 05412BROOKLYNNY S2.16 advantage of these and other on-the-go services. 3 22 DEC FINE FARE9ROOKLYNNY 418.28 Total for Phillip I Williams.' $3544 INTEREST CHARGE CALCULATION 10, TotalTrartactonsThIsPelod 535“0 Your Annual Percentage Rate (AM) is the annual interest rate on your account. FEES Annual Percentage Balance Subject to Type of Balance Interest Charge Total Fees This Period S0.00 Rate (APR) Interest Rate Purchases 23.15% P $172.82 S3.40 Cash Advances 25.15% P 50.00 50.00 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 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in Due Date New Balance Minimum Payment Amount Enclosed LESS WASTE! $177.59 Since you haven't been sending your Feb 12, 2016 C t $25.00 -1 `• payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123875 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been electronic payment that yell be debited ken your hank account or other related account. When you provide a paying your mount in lull wth no Interest Charges. but then you do not pay your nit NenPatrice in ben we will check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the finismay be ohne" born four bank account as soon as the sarre day we process your payment. total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement WSW wIllthou Credit *Payments lot addbonal inbraxim. Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe statement and your check to the mood address an the front et this statement Please stow at least 171 Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost (am may not be credted as of the day we (*CM.Dens. Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the Bing Cytie if 'out account is subject loan Interest Change. bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new Iowa APRs. transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk tiling Rights Summary (Pees oraletppi) toSondeitcanect Arrountg Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months summits, wag to us at balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the In your leder, wse us the kilormg Sensation: Barg Cycle. The result is the Average Daily Bianakt each serpent Account "notion: Your name and accost roster. 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic DOlafaMtha: The dolor amine( the suspectedMt rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You Bang Cycle. must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy aaualy assessed. you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported error, the boning are true. inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in on the km cd ths summed net to yes Wen check the table below. question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we Code next to Now do we calculate your APRs)? When yaw Antis) will change determine that we made a migalt you wit not have to pay the non in question or any interest or other lees yew APRs) coda + margin (previously d'udosed to you) related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds P Fyne Rate + urge The first day of the Ming Cycles that ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. 3 man LMOR + nucgn end in lanslip61July, and 0G. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn D Pen* Rine + The int day of each Biting Cycle. send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the I month U8OR + nuoyn (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly Mixing met be mix trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you whh a check that accesses your (reit cardaux" drat quality, and mco.a. 2y You must not yet hoe luty paid kr thepsalm.. Now do I Make Payments? You nay mire your payment in seven ways: II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at I. Di:lineand kiggng into youraccount. Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 2. Captal One Motile Barking app kr approved dentingMikes; While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we Mowng the voce prompts; may report you as dein:Nem. • CtileV the te hone nubet lend n the boa of ths latorent and Pithidkg your intimation to our ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" ITC08 OR'IA'15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123876 Page2of 2 Customer Service Dec 16 - Jan. 15, 2016 31 Days in Bilkng Cyde Capitalone www.capitalone.com Credit Limit: 5200.00 Platinum MasterCard Account ending in Available Credit 522.41 WY BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit 5100.00 lI 6177.59 626.00 Feb 12,2016 Available Credit for Cash Advances: 522.41 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance $196.75 S60.00 $35.44 $177.59 ) TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PURCHASES 53.40 Total Interest This Period 53.40 TOTALS YEAR TO DATE Total fees This Year $0.00 Total Interest This Year 53.40 EFTA00123877 Page 1 of 2 Customer &wee Jan. 16 - Feb. IS, 2016 31 Days In Biling Cyde CapitalM www.capdalone.com MINIMUM PAYMENT WAIWING: Ilycomdeortytherrarompaymarteathpeioclycu MIpay rue iteraslaxl nilNMImo Engerb pay cdpxr telarce. Foto:woe: Platinum MasterCard Account ending in. Payment Amount Each Period If No Apploxlmate Time to Pay Off Estimated PEWBALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost Lennon Nygaard 9IAxaM $191 $174.73 62.800 Mar 12, 2016 :!.. Ilya mudIke etyma!on aoxe cedt comedic sante& cal a PIDIM PAY AT LEAST Tx6 AIMINT LATE PAYMENT WARNING: da recew your:Tinianmacre te wyduecMe. rrey ham aa pay a We Ice atm taSI9C0 Credit Limit $200.00 Cash Advance Credit Umit $100.00 Available Credit: $25.27 Available Credit for Cash Advances: $25.27 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $17739 j $50.00 ) $3.15 ) $43.99 $174.73 3 New York residents may contact the New York State Oepartment of financial Services to obtain a comparative listing of aedit card rates, fees, and race riods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Renewal Notice . Your 03/2016 til vAl indude your $29.00 amual membership fee. + MORE The reverse of this page explains how you may dose your account and avoid this fee. Both sides c4 this page provide important information about you rate(s) and how you interest charge is calculated. Credit cards are only part of the equation. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS Learn about all the ways we can serve your needs at 1 21 JAN Payment received. Thank you! (125.00) capitalone.com. 300010-C 2 13 FEB Cap 1 DebitCardPhonePmt AuthDate 13.Feb (125.00) TRANSACTIONS FOR PHILLIP I WILLIAMS INTEREST CHARGE CALCULATION 1 13 FEB FAMILY DOLLAR it 6652BROOKLYNNY $15.68 Your Annual Percentage Rate (AM) is the annual interest rate on your account. 2 13 FEB FINE FAREBROOKLYNNY $28.31 Annual Percentage Balance Subject to Total for PHILUP I WILUAREM $0199 Type of Balance Interest Charge Rate (APR) Interest Rate ► TolalTureacIonsllisPalod $43.99 Purchases 23.15% P 5159.99 S3.I 5 Cash Advances 25.15% P $0.00 10.00 P,L0,1 = Variable Rate. See reverse of page 1 for derails Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in - Due Date New Balance Minimum Payment Amount Enclo u LESS WASTE! $25.00 Mar 12,2016 Since you haven't been sending your $174.73 payments by mail for the past year, PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123878 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been electronic payment that yell be debited ken your hank account or other related account. When you provide a paying your mount in lull wth no Interest Charges. but then you do not pay your nit NenPatrice in ben we will check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the finismay be ohne" born four bank account as soon as the sarre day we process your payment. total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement WSW wIllthou Credit *Payments lot addbonal inbraxim. Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe statement and your check to the mood address an the front et this statement Please stow at least 171 Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost (am may not be credted as of the day we (*CM.Dens. Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the Bing Cytie if 'out account is subject loan Interest Change. bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new Iowa APRs. transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk tiling Rights Summary (Pees oraletppi) toSondeitcanect Arrountg Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months summits, wag to us at balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the In your leder, wse us the kilormg Sensation: Barg Cycle. The result is the Average Daily Bianakt each serpent Account "notion: Your name and accost roster. 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic DOlafaMtha: The dolor amine( the suspectedMt rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You Bang Cycle. must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy aaualy assessed. you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported error, the boning are true. inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in on the km cd ths summed net to yes Wen check the table below. question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we Code next to Now do we calculate your APRs)? When yaw Antis) will change determine that we made a migalt you wit not have to pay the non in question or any interest or other lees yew APRs) coda + margin (previously d'udosed to you) related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds P Fyne Rate + urge The first day of the Ming Cycles that ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. 3 man LMOR + nucgn end in lanslip61July, and 0G. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn D Pen* Rine + The int day of each Biting Cycle. send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the I month U8OR + nuoyn (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly Mixing met be mix trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you whh a check that accesses your (reit cardaux" drat quality, and mco.a. 2y You must not yet hoe luty paid kr thepsalm.. Now do I Make Payments? You nay mire your payment in seven ways: II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at I. Di:lineand kiggng into youraccount. Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 2. Captal One Motile Barking app kr approved dentingMikes; While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we Mowng the voce prompts; may report you as dein:Nem. • CtileV the te hone nubet lend n the boa of ths latorent and Pithidkg your intimation to our ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" ITC08 OR'IA'15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123879 Page2of 2 Customer Smite Jan. 16 - Feb. 15, 2016 31 Days in Billing Cyde CapitalOne www.capitalone.com Credit Limit 5200.00 Platinum MasterCard Account ending inMI Available Credit S25.27 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit: 5100.00 $174.73 $25.00 Mar 12, 2016 Available Credit for Cash Advances: S25.27 Previous Balance Payments and Credits Fees and Interest ed Transactions New Balance $177.59 550.00 503.99 $170.73 TRANSACTIONS CONTINUED FEES Total fees This Period $0.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES 53.15 Total Interest This Period 53.15 TOTALS YEAR TO DATE Total fees This Year S0.00 Total Interest This Year 56.55 EFTA00123880 Page1on Customer Smite Feb. 16 - Mar.15, 2016 29 Days in Billing Cyde CapitalOne www.capitalone.com ] MINIMUM PAYMENT WARNING: liwomdeodytemnrunpromaterehmecd.ru MIpay rue iteeslard nil Oke you bnparb pay ot rxr [circa. Fcemarmle: Platinum MasterCard Account ending In MI Payment Amount Each Period If No Approximate Time to Pay Olt Estimated PEWBALANCE MINIMUM PAYMENT DUEDATE Additional Charges Are Made Statement Balance Total Cost 5249.98 $52.00 Apr 12,2016 LintonPmencrt 1214,th s; 8218 .1•• tlmumaidIke rrirmalco atos creitcommirg tea e5. cal MAU PAY AT LE;ST THISAMOUNT LATE PAYMENT WARNING: tlrRmnotmaueyarmnmunpalrtorabyyord,eo4b. Credit Limit 5200.00 Cash Advance Credit Umit 5100.00 pm trey ham xi pay a late ke dim SACO Available Credit: S0.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 5114.73 50.00 I 651.70 ) S23.55 $249.98 1 For questions about this account, please give us a call at 1400-955-6600. Well be glad to help you Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to S p.m. ET. Help is available New York residents may contact the New York State Department of financial Services to obtain a comparative listing of aedit card rates, fees, and race nods. Contact the New YorkState Department of Financial Services: or www.dfs.ny.gov. Avoid missing future payments by setting up free, customizable account alerts. (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS Enroll in online banking or log into your account at capitalone.com 3C0045C TRANSACTIONS FOR PHIWP I WIWAMS 1 18 FEB FINE FARE8ROOKLYNNY 519.50 2 24 FEB FAMILY DOLLAR e6652BROOKLYNPP- $4.05 INTEREST CHARGE CALCULATION TcAnIkaPHILUP I WILLIAMS= $23.55 Your Annual Percentage Rate (APR) is the annual interest rate on your account. ► To Transactions Ibis Period $2335 Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate FEES Purthases 23.15% P 5201.17 $3.70 Cash Advances 25.15% P S0.00 $0.00 P,I.,0,1 = 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. 1 Account ending in Due Date New Balance Minimum Payment Amount Enclosed Take Advantage. Take Control. Apr 12, 2016 $249.98 ( $ 12.131 Manage your account online at PLEASE PAY AT LEAST www.capitalone.com THIS AMOUNT • Set up account alerts • Review account information • Manage your account in privacy PHILLIP I WILLIAMS 403320 ) BROOKLYN, NY 1123N-4029 Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123881 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been electronic payment that yell be debited ken your hank account or other related account. When you provide a paying your mount in lull wth no Interest Charges. but then you do not pay your nit NenPatrice in ben we will check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the finismay be ohne" born four bank account as soon as the sarre day we process your payment. total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement WSW wIllthou Credit *Payments lot addbonal inbraxim. Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe statement and your check to the mood address an the front et this statement Please stow at least 171 Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost (am may not be credted as of the day we (*CM.Dens. Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the Bing Cytie if 'out account is subject loan Interest Change. bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new Iowa APRs. transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk tiling Rights Summary (Pees oraletppi) toSondeitcanect Arrountg Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months summits, wag to us at balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the In your leder, wse us the kilormg Sensation: Barg Cycle. The result is the Average Daily Bianakt each serpent Account "notion: Your name and accost roster. 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic DOlafaMtha: The dolor amine( the suspectedMt rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You Bang Cycle. must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy aaualy assessed. you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported error, the boning are true. inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in on the km cd ths summed net to yes Wen check the table below. question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we Code next to Now do we calculate your APRs)? When yaw Antis) will change determine that we made a migalt you wit not have to pay the non in question or any interest or other lees yew APRs) coda + margin (previously d'udosed to you) related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds P Fyne Rate + urge The first day of the Ming Cycles that ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. 3 man LMOR + nucgn end in lanslip61July, and 0G. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn D Pen* Rine + The int day of each Biting Cycle. send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the I month U8OR + nuoyn (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly Mixing met be mix trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you whh a check that accesses your (reit cardaux" drat quality, and mco.a. 2y You must not yet hoe luty paid kr thepsalm.. Now do I Make Payments? You nay mire your payment in seven ways: II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at I. Di:lineand kiggng into youraccount. Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 2. Captal One Motile Barking app kr approved dentingMikes; While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we Mowng the voce prompts; may report you as dein:Nem. • CtileV the te hone nubet lend n the boa of ths latorent and Pithidkg your intimation to our ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" ITC08 OR'IA'15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123882 I Pa 2 of 2 Osstcrner Service Feb.16 . Mar. IS, 2016 29 Days in Billing Cyde Capita www.capitalone.com Credit Limit 5200.00 Platinum MasterCard Account ending inIII Available Credit S0.00 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Umit S100.00 lI 5249.98 $52.00 Apr 12,2016 Available Credit for Cash Advances: S0.00 Previous Balance Payments and Credits Transactions New Balance $174.73 ) S0.00 523.55 $249.98 TRANSACTIONS CONTINUED FEES (CONTINUED) 1 12 MAR PAST DUE FEE $19.00 2 15 MAR CAPITAL ONE MEMBER FEE $29.00 Total Fees This Period $48.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES 53.70 Total Interest This Period 53.70 TOTALS YEAR TO DATE Total Fees This Year 548.00 Total Interest This Year 510.25 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123883 Pagel of 2 Customer Senace Mar. 16 - Apr.15, 2016 31 Days in BiNng Cyde CapitajOile www.capdalOne.COM I MINIMUM PAYMENT WADING: Brumde lytienritturnpromaleachpaiod. you MIpay rue ininweelaxl nil 0tke you bnpatb pay oT tciate. Forexan0e: Platinum MasterCard Account ending in - Payment Amount Each Period It No Approximate Time to Pay ON Estimated NBVEIALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost 5154.62 May 12,2016 WarenPatted altar* SIB? :!.. tlyou woadIke nkernalco atas crecitormsneg senices.calLIMB PLUM PAY AT Lair NM AMOUNT LATE PAYMENT WARNING: tlwed ntcrecmoyourrintrunpanst tonarduedie. Credit Limit $200.00 Cash Advance Credit Umit SI00.00 pmray temRopey a We ke dtp SI91Xt Available Credit: 545.38 Available Credit for Cash Advances: U5.38 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $249.98 j 1100.00 ) $4.64 J 50.0 = $154.62 New York residents may contact the New York State Oepartment of financial Services to obtain a comparative listing of aedit card rates, lees, and race rods. Contact the Its easy to set up your New YorkState Department of Finandal Services: or www.dfs.ny.gov. TRANSACTIONS FREE account alerts: First, 'log In" to Online Banking. Next sign up by: PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 1 11 APR Payment received. Thai you! (1100.00) 1. Clicking "Messaging and Alerts" 2. Clicking "Set Alerts" TRANSACTIONS FOR PHILLIP I WILLIAMS 3. Choosing the free alerts you'd like to receive Your wrier may charge a lee for each text message alert you receive. 300007C FEES Total Fees This Period S0.00 INTEREST CHARGE CALCULATION INTEREST CHARGED Your Annual Percentage Rate (APR) is the annual interest rate on your account. INTEREST CHARGE:PURCHASES 54.64 Total Interest This Period 54.64 Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate Purchases 23.15% P 1236.22 14.64 Cash Mvances 25.15% P 50.00 $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 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 C‘Pita ire Account ending in - Due Date New Balance Minimum Payment Amount Enclosed LESS WASTE! May 12,201C Since you haven't been sending your $154.62 $25.00 7( payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 11'11'1.1 I EFTA00123884 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been electronic payment that yell be debited ken your hank account or other related account. When you provide a paying your mount in lull wth no Interest Charges. but then you do not pay your nit NenPatrice in ben we will check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the finismay be ohne" born four bank account as soon as the sarre day we process your payment. total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement WSW wIllthou Credit *Payments lot addbonal inbraxim. Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe statement and your check to the mood address an the front et this statement Please stow at least 171 Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost (am may not be credted as of the day we (*CM.Dens. Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the Bing Cytie if 'out account is subject loan Interest Change. bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new Iowa APRs. transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk tiling Rights Summary (Pees oraletppi) toSondeitcanect Arrountg Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months summits, wag to us at balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the In your leder, wse us the kilormg Sensation: Barg Cycle. The result is the Average Daily Bianakt each serpent Account "notion: Your name and accost roster. 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic DOlafaMtha: The dolor amine( the suspectedMt rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You Bang Cycle. must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy aaualy assessed. you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported error, the boning are true. inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in on the km cd ths summed net to yes Wen check the table below. question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we Code next to Now do we calculate your APRs)? When yaw Antis) will change determine that we made a migalt you wit not have to pay the non in question or any interest or other lees yew APRs) coda + margin (previously d'udosed to you) related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds P Fyne Rate + urge The first day of the Ming Cycles that ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. 3 man LMOR + nucgn end in lanslip61July, and 0G. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn D Pen* Rine + The int day of each Biting Cycle. send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the I month U8OR + nuoyn (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly Mixing met be mix trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you whh a check that accesses your (reit cardaux" drat quality, and mco.a. 2y You must not yet hoe luty paid kr thepsalm.. Now do I Make Payments? You nay mire your payment in seven ways: II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at I. Di:lineand kiggng into youraccount. Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 2. Captal One Motile Barking app kr approved dentingMikes; While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we Mowng the voce prompts; may report you as dein:Nem. • CtileV the te hone nubet lend n the boa of ths latorent and Pithidkg your intimation to our ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" ITC08 OR'IA'15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123885 Pa 2 of 2 Customer Service Mar.16 - Apr. IS, 2016 31 Days in Billing Cycle1 Capilayide www.capitalone.com Credit Limit 5200.00 Platinum MasterCard Account ending in Available Credit $45.38 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit 5100.00 $154.62 U500 May12,2016 Available Credit for Cash Advances: 345.38 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance 3249.98 $100.00 $0.00 S154.62 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year S48.00 Total Interest This vear S14.89 EFTA00123886 Page 1o12 Customer Semi:a Apr.16 - May.15, 2016 30 Days in BINng Cyde CapitO www.capitalone.com II MINIMUM PAYMENT WADING: Ilwumneortylhenvirrurnpromirtentpeicd.pJ ailpay rrae initereslaxleniloike }cobweb pay a/ )os [circa. Fcemarrsle: Platinum MasterCard Account ending in Payment Amount Each Period II No Approximate Time to Pay OR Estimated PEWBALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $222.59 $52.00 Jun 12, 2016 lairrunPmenert 10'4,1'0; S214 tlyornoldlionlormaco Mos cad conaria sevces. cal PLEAM PM AT LEAST DAS AUOUNI LATE PAYMENT WARNING: leem rarampsmnmutiprat. tyrated*. Credit Unit $200.00 Cash Advance Credit Umit 5100.00 wormy haem pay atatelce alup b119m Available Credit $0.00 Available Credit for Cash Advances: 50.00J Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $154.62 $0.00 + $22.86 $45.11 $222.59 for questions about this account, please give us a call at 1-800-95S-6600. Well be glad to help you Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to S p.m. ET. Help is available New York residents may contact the New York State Department of financial Services to obtain a comparative listing of aedit card rates, fees, and race riads. Contact the New York State Department of financial Services: or www.dfs.ny.gov. Avoid missing future payments by setting up free, customizable account alerts. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS Enroll in online banking or log into your account at capitalone.com 3C0045 C TRANSACTIONS FOR PHILLIP I WILLIAMS 1 16 APR POPEYES CHICKEN #18ROOKLYNNY $26.12 2 18 APR RITE AID STORE 46138ROOKLYNNY $18.99 INTEREST CHARGE CALCULATION Totalke PHILUP I Vitt:TAMS= $4511 Your Annual Percentage Rate (APR) is the annual interest rate on your account. ► Toad Transactions This Period Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate FEES Purchases 23.15% P 1202.82 S3.86 Cash Advances 25.15% P 50.00 $0.00 RLD,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 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in Due Date New Balance Minimum Payment Amount Enclosed C Take Advantage. Take Control. Jun i2,2016 I L $222..59 $52.00 PLEASE PAY AT LEAST D Manage your account online at www.capitalone.com THIS AMOUNT • Set up account alerts • Review account information • Manage your account in privacy 403020 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123887 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been electronic payment that yell be debited ken your hank account or other related account. When you provide a paying your mount in lull wth no Interest Charges. but then you do not pay your nit NenPatrice in ben we will check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the finismay be ohne" born four bank account as soon as the sarre day we process your payment. total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement WSW wIllthou Credit *Payments lot addbonal inbraxim. Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe statement and your check to the mood address an the front et this statement Please stow at least 171 Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost (am may not be credted as of the day we (*CM.Dens. Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the Bing Cytie if 'out account is subject loan Interest Change. bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new Iowa APRs. transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk tiling Rights Summary (Pees oraletppi) toSondeitcanect Arrountg Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months summits, wag to us at balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the In your leder, wse us the kilormg Sensation: Barg Cycle. The result is the Average Daily Bianakt each serpent Account "notion: Your name and accost roster. 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic DOlafaMtha: The dolor amine( the suspectedMt rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You Bang Cycle. must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy aaualy assessed. you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported error, the boning are true. inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in on the km cd ths summed net to yes Wen check the table below. question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we Code next to Now do we calculate your APRs)? When yaw Antis) will change determine that we made a migalt you wit not have to pay the non in question or any interest or other lees yew APRs) coda + margin (previously d'udosed to you) related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds P Fyne Rate + urge The first day of the Ming Cycles that ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. 3 man LMOR + nucgn end in lanslip61July, and 0G. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn D Pen* Rine + The int day of each Biting Cycle. send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the I month U8OR + nuoyn (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly Mixing met be mix trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you whh a check that accesses your (reit cardaux" drat quality, and mco.a. 2y You must not yet hoe luty paid kr thepsalm.. Now do I Make Payments? You nay mire your payment in seven ways: II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at I. Di:lineand kiggng into youraccount. Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 2. Captal One Motile Barking app kr approved dentingMikes; While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we Mowng the voce prompts; may report you as dein:Nem. • CtileV the te hone nubet lend n the boa of ths latorent and Pithidkg your intimation to our ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" ITC08 OR'IA'15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123888 Pa 2 ol 2 Customer Service Apr.16 - May. IS, 2016 30 Days In Riling Cyde CapitalOne www.capitalone.com 1 Credit Limit $200.00 Platinum MasterCard Account ending inMI Available Credit $0.00 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Unit $100.00 lI 622259 $52.00 Jun12,2016 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance $154.62 $0.00 545.11 $222.59 (TRANSACTIONS CONTINUED FEES (CONTINUED) 1 12 MAY PAST DUE FEE $19.00 Total fees This Period $19.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES 53.86 Total Interest This Period 53.86 TOTALS YEAR TO DATE Total Fees This Year 567.00 Total Interest This Year 518.75 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days tot your minimum payment to reach Capital One. EFTA00123889 Page Tof 2 Customer Barrios May.16 -Jun. IS, 2016 31 Days in Billing Cyde Capita www.capitalone.com ] MINIMUM PAYMENT WARNING: Ilwomde ody mritturnpmmytetachpeitd. you nilpay rrae initaxislardEMI Oka youtoparb pay oT)o:[circa. Forenstroe: Platinum MasterCard Account ending in'. Payment Amount Each Period If No Approximate Time to Pay Off Estimated PEW BALANCE MINIMUM PAYMENT DUEDATE Additional Charges An Made Statement Balance Total Cost $246.04 $80.00 Jul 12,2016 LiirrunPmenert 1OMrhsl 8207 et. It youmaidIke armalco atos uedtanscirg 9ri:es PLEASE PAY AT LUST TR6 MiOUNT LATE PAYMENT WARNING: Prat ntt ramie yes ninirmparer. ty yosdactee. Credit Limit $200.00 Cash Advance Credit Umit $100.00 Autrey haem pay a late knelt* ba$I100. Available Credit: $0.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $222.59 s0.00 $23-45 + $0.00 $.246.114 For questions about this account, please give us a call at 1-W0.955.6600. Well be glad to help you Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday C from 8 a.m. to 5 p.m. ET. Help is available New York residents may contact the New York State Department of financial Services to obtain a comparative listing of aedit card rates, fees, and race nods. Contact the New YorkState Department of Finandal Services: or www.dfs.ny.gov. Avoid missing future payments by setting up free, customizable account alerts. (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS Enroll in online banking or log into your account at capitalone.com 3C0045 TRANSACTIONS FOR PHILLIP I WILLIAMS INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate (APR) is the annual interest rate on your account. 1 13 JUN PAST OUE FEE $19.00 Total Fees This Period $19.00 Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate INTEREST CHARGED Purchases 23.15% P $226.56 $4.45 Cash Advances 25.15% P $0.00 $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 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in Due Date New Balance Minimum Payment Amount Enclosed Take Advantage. Take Control. Jul12,2016 $246.04 $80.00 X Manage your account online at [ PLEASE PAY AT LEAST www.capitalone.com THIS AMOUNT • Set up account alerts • Review account information • Manage your account in privacy PHILLIP I WILLIAMS .103320) BROOKLYN, NY 11234-4029 Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123890 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been electronic payment that yell be debited ken your hank account or other related account. When you provide a paying your mount in lull wth no Interest Charges. but then you do not pay your nit NenPatrice in ben we will check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the finismay be ohne" born four bank account as soon as the sarre day we process your payment. total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement WSW wIllthou Credit *Payments lot addbonal inbraxim. Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe statement and your check to the mood address an the front et this statement Please stow at least 171 Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost (am may not be credted as of the day we (*CM.Dens. Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the Bing Cytie if 'out account is subject loan Interest Change. bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new Iowa APRs. transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk tiling Rights Summary (Pees oraletppi) toSondeitcanect Arrountg Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months summits, wag to us at balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the In your leder, wse us the kilormg Sensation: Barg Cycle. The result is the Average Daily Bianakt each serpent Account "notion: Your name and accost roster. 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic DOlafaMtha: The dolor amine( the suspectedMt rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You Bang Cycle. must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy aaualy assessed. you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported error, the boning are true. inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in on the km cd ths summed net to yes Wen check the table below. question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we Code next to Now do we calculate your APRs)? When yaw Antis) will change determine that we made a migalt you wit not have to pay the non in question or any interest or other lees yew APRs) coda + margin (previously d'udosed to you) related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds P Fyne Rate + urge The first day of the Ming Cycles that ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. 3 man LMOR + nucgn end in lanslip61July, and 0G. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn D Pen* Rine + The int day of each Biting Cycle. send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the I month U8OR + nuoyn (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly Mixing met be mix trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you whh a check that accesses your (reit cardaux" drat quality, and mco.a. 2y You must not yet hoe luty paid kr thepsalm.. Now do I Make Payments? You nay mire your payment in seven ways: II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at I. Di:lineand kiggng into youraccount. Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 2. Captal One Motile Barking app kr approved dentingMikes; While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we Mowng the voce prompts; may report you as dein:Nem. • CtileV the te hone nubet lend n the boa of ths latorent and Pithidkg your intimation to our ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" ITC08 OR'IA'15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123891 Pa 2 of 2 Osstcener Service May.16 -Jun.15, 2016 31 Days In Balm Cyde CapitO www.capitalone.o3m Credit Limit $200.00 Platinum MasterCard Account ending in Available Credit $0.00 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Umit 5100.00 lI $246.04 $80.00 Jul 12, 2016 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance 5222.59 $0.00 50.00 $246.04 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES 54.45 Total Interest This Period 54.45 TOTALS YEAR TO DATE Total fees This Year $86.00 Total Interest This Year $23.20 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123892 Page toll 1. Customer Set*. Jun.16 - Jul. 15, 2016 30 Days in Bilk® Cycle CaptO www.capitalone.com I MINIMUM PAYMENT WARNING: Ilwamde cclythernntrumpcomyleachpasod.mu ailpay rue in inmost zrdEnd take mu bnparb pay atpxr [circa.FotexaVe: Platinum MasterCard Account ending inMI Payment Amount Each Period If No Approximate Time to Pay Off Estimated PEWBALANCE MINIMUM PAYMENT DUEDAM Additional Charges Are Made Statement Balance Total Cost 5269.81 $108.00 Aug 12, 2016 lAnerunPmenert Nalartrsi SMI muno.fdllenlormakm atom cedicculscirg scewes.cal PICAS( PA', AT if.;.ST THCAUOUNT LATE PAYMENT WARNING: Nett rxt recmepinyonparnei by yoyduechle. Credit Limit $200.00 Cash Advance Credit Umit $100.00 pm Trey haem pay atate Ice dtp toSI900 Available Credit: $0.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $246.04 j — $0.00 J $23.77 ) $0.00 $269.81 for questions about this account, please give us a call at 1400.955.6600. Well be glad to help you Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. Your account is SUSPENDED New York residents may contact the New York State Department of financial Services to obtain a comparative listing of aedit card rates, fees, and race riods. Contact the Please give us a call to discuss your New York State Department of Financial Services: or vAvw.dfs.ny.gov. account status and payment options. (TRANSACTIONS PAYMENTS, CREDITS 8 ADJUSTMENTS FOR PHILLIP I witUAMS= 1-800-955-6600 300057 ( TRANSACTIONS FOR PHILLIP I WILLIAMS_ INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate (AM) is the annual interest rate on your account. 1 12 JUL PAST DUE FEE $19.00 Total Fees This Period $19.00 Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate INTEREST CHARGED Purchases 23.15% P 1250.85 $4.77 Cash Advances 25.15% P $0.00 $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 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in Due Date New Balance Minimum Payment Amount Enclosed Take Advantage. Take Control. Aug 12, 2016 $269.81 C $108.00 ) C Manage your account online at PLEASE PAY AT LEAST www.capitalone.com THIS AMOUNT • Set up account alerts • Review account information • Manage your account in privacy PHILLIP I WILLIAMS 403320 BROOKLYN, NY 11234-4029 Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 11111' i"..i I.1 I EFTA00123893 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been electronic payment that yell be debited ken your hank account or other related account. When you provide a paying your mount in lull wth no Interest Charges. but then you do not pay your nit NenPatrice in ben we will check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the finismay be ohne" born four bank account as soon as the sarre day we process your payment. total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement WSW wIllthou Credit *Payments lot addbonal inbraxim. Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe statement and your check to the mood address an the front et this statement Please stow at least 171 Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost (am may not be credted as of the day we (*CM.Dens. Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the Bing Cytie if 'out account is subject loan Interest Change. bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new Iowa APRs. transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk tiling Rights Summary (Pees oraletppi) toSondeitcanect Arrountg Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months summits, wag to us at balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the In your leder, wse us the kilormg Sensation: Barg Cycle. The result is the Average Daily Bianakt each serpent Account "notion: Your name and accost roster. 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic DOlafaMtha: The dolor amine( the suspectedMt rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You Bang Cycle. must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy aaualy assessed. you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported error, the boning are true. inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in on the km cd ths summed net to yes Wen check the table below. question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we Code next to Now do we calculate your APRs)? When yaw Antis) will change determine that we made a migalt you wit not have to pay the non in question or any interest or other lees yew APRs) coda + margin (previously d'udosed to you) related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds P Fyne Rate + urge The first day of the Ming Cycles that ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. 3 man LMOR + nucgn end in lanslip61July, and 0G. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn D Pen* Rine + The int day of each Biting Cycle. send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the I month U8OR + nuoyn (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly Mixing met be mix trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you whh a check that accesses your (reit cardaux" drat quality, and mco.a. 2y You must not yet hoe luty paid kr thepsalm.. Now do I Make Payments? You nay mire your payment in seven ways: II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at I. Di:lineand kiggng into youraccount. Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 2. Captal One Motile Barking app kr approved dentingMikes; While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we Mowng the voce prompts; may report you as dein:Nem. • CtileV the te hone nubet lend n the boa of ths latorent and Pithidkg your intimation to our ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" ITC08 OR'IA'15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123894 Pa 2 of 2 Customer Service Jun. 16 - Jul. 15, 2016 30 Days in Biting Cyde Capita . www.capitalonecom Credit Limit 5200.00 Platinum MasterCard Account ending in Available Credit $0.00 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit 5100.00 lI 6269.81 $108.00 Aug 12, 2016 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance $246.04 S0.00 $0.00 1269S1 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES 54.77 Total Interest This Period 54.77 TOTALS YEAR TO DATE Total fees This Year $105.00 Total Interest This Year 527.97 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EFTA00123895 Page 1o12 -- Customer State Jul 16 -Aug. 1S, 2016 31 Days in Billing Cyde1 CapitalOne www.capitalone.00m MINIMUM PAYMENT WARNING: Ilwomee cclytherreirrompapterteachpeod. you oilpay rrae irecoasIzn:RMINke you bnparb pay cdpn telaxe. Foretwoe: Platinum MasterCard Account ending in'. Payment Amount Each Period If No Approximate Time to Pay Off Estimated NBVBALANCE MINIMUM PAYMENT DUEDATE Additional Charges Are Made Statement Balance Total Cost 5275.17 $133.00 Sep 12,2016 LiirrunNygaard ticreW I 5292 O!'• Ilyormx/dIleslormako tot cmckcotrocric scntes,milI PLEASE PAY AT MIST MS AMOUNT LATE PAYMENT WARNING: 1aeAsrareeeaeyourmyrunpaflwetyyordadee. Credit Limit 5200.00 Cash Advance Credit Umit 5100.00 osu way haat,pay aisleIce alto loSI9tO Available Credit: 50.00 Available Credit for Cash Advances: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $269.81 j — $0.00 + SS.36 J‘ $0.00 $276.17 for questions about this account, please give us a call at 1-840.955.6600. We'll be glad to help you Monday through Friday hem 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. Your account is SUSPENDED New York residents may contact the New York State Department of financial Services to obtain a comparative listing of credit card rates, fees, and race nods. Contact the Please give us a call to discuss your New York State Department of Financial Services: or vAvvr.dfs.ny.gov. account status and payment options. (TRANSACTIONS PAYMENTS, CREDITS 8 ADJUSTMENTS FOR PHILLIP I WILLIAMS 1-800-955-6600 300057 TRANSACTIONS FOR PHIWP I WIWAMSIMI INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate (AM) is the annual interest rate on your account. Total Fees This Period $0.00 Annual Percentage Balance Subject to Type of Balance Interest Charge INTEREST CHARGED Rate (APR) Interest Rate INTEREST CHARGEPURCHASES 55.36 Purchases 23.15% P 5272.39 55.36 Total Interest This Period 55.36 Cash Advances 25.15% P 50.00 S0.00 P,LD,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 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in Due Date New Balance Minimum Payment Amount Enclosed Take Advantage. Take Control. Sep12,2016 $275.17 )I $133.00 )C C Manage your account online at PLEASE PAY AT LEAST www.capitalone.com THIS AMOUNT • Set up account alerts • Review account information • Manage your account in privacy PHILLIP I WILLIAMS 403320) BROOKLYN, NY 11234-4029 Capital One Bank (USA). N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123896 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been electronic payment that yell be debited ken your hank account or other related account. When you provide a paying your mount in lull wth no Interest Charges. but then you do not pay your nit NenPatrice in ben we will check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the finismay be ohne" born four bank account as soon as the sarre day we process your payment. total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement WSW wIllthou Credit *Payments lot addbonal inbraxim. Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe statement and your check to the mood address an the front et this statement Please stow at least 171 Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost (am may not be credted as of the day we (*CM.Dens. Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the Bing Cytie if 'out account is subject loan Interest Change. bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new Iowa APRs. transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk tiling Rights Summary (Pees oraletppi) toSondeitcanect Arrountg Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months summits, wag to us at balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the In your leder, wse us the kilormg Sensation: Barg Cycle. The result is the Average Daily Bianakt each serpent Account "notion: Your name and accost roster. 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic DOlafaMtha: The dolor amine( the suspectedMt rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You Bang Cycle. must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy aaualy assessed. you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported error, the boning are true. inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in on the km cd ths summed net to yes Wen check the table below. question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we Code next to Now do we calculate your APRs)? When yaw Antis) will change determine that we made a migalt you wit not have to pay the non in question or any interest or other lees yew APRs) coda + margin (previously d'udosed to you) related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds P Fyne Rate + urge The first day of the Ming Cycles that ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. 3 man LMOR + nucgn end in lanslip61July, and 0G. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn D Pen* Rine + The int day of each Biting Cycle. send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the I month U8OR + nuoyn (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly Mixing met be mix trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you whh a check that accesses your (reit cardaux" drat quality, and mco.a. 2y You must not yet hoe luty paid kr thepsalm.. Now do I Make Payments? You nay mire your payment in seven ways: II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at I. Di:lineand kiggng into youraccount. Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 2. Captal One Motile Barking app kr approved dentingMikes; While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we Mowng the voce prompts; may report you as dein:Nem. • CtileV the te hone nubet lend n the boa of ths latorent and Pithidkg your intimation to our ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" ITC08 OR'IA'15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123897 Pa 2 of 2 Custcrner Smite Jul. 16 - Aug. 15, 2016 31 Days in Billing Cyde CapitalOne www.capitalone.com Credit Limit 5200.00 Platinum MasterCard Account ending in. Available Credit 50.00 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit: 5100.00 lI 5275.17 $133.00 Sep 12, 2016 Available Credit for Cash Advances: 50.00 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance 5269.81 50.00 $0.00 5275.17 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year 5105.00 Total Interest This Year 533.33 Your minimum payment was not received in time to avoid a late fee. Asa courtesy, we didn't charge you a late fee this month. Please note that we may charge a late fee in future months if we dont receive at least your minimum payment by your due date. EFTA00123898 Page lot 3 Customer Service Aug. 16 • Sep. 15, 2016 31 Days in Billing Cyde CaptO www.capitalone.com 1 MINIMUM PAYMENT WARNING: liwumde orty rrmirunpapertea:hmood.yrei MIpay rue ininweslaxkuil bike youknout pay ol)ca [date.Fccemnia: Platinum MasterCard Account ending in MI Payment Amount Each Period If No Approximate Time to Pay Off Estimated PEWBALANCE MINIMUM PAYMENT DUEDATE Additional Charges An Made Statement Balance Total Cost $230.75 $158.00 Oct 12, 2016 WarmPapert S238 ,!•• II youmaldlientemalco atommad co.r&Nrg 9nces calII PLEASE PAY AT LUST TioSem0toit LATE PAYMENT WARNING: keit rot(acmep.rmnrrunpaycreebyyordedae. Credit Limit $200.00 Cash Advance Credit Umit $100.00 You trey hoes pay ableIce dip to$1900 Available Credit: S0.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S275.17 $49.00 ) + M.58 I $0.00 $230.75 for questions about this account please give us a call at 1-800.955.6600. We'll be glad to help you Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. Your account is RESTRICTED New York residents may contact the New York State Department of financial Services to obtain a comparative listing of credit card rates, fees, and race clods. Contact the Please give us a call to discuss your New York State Department of Financial Services: or www.dfs.ny.gov. account status and payment options. (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS 1-800-955-6600 1 19 AUG Security Deposit Applied ($49.00) 300056 C TRANSACTIONS FOR PHILLIP I WILUAMS INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AM) is the annual interest rate on your account. FEES Total Fees This Period $0.00 Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate INTEREST CHARGED Purchases 23.15% P 5233.16 $4.58 Cash Advances 25.15% P S0.00 $0.00 RLD,F = Variable Rate. See reverse of page I 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. 1 Account ending in - Due Date New Balance Minimum Payment Amount Enclosed Take Advantage. Take Control. C °C112.2°16 C $23°15 3( $158.00 )( PLEASE PAY AT LEAST Manage your account online at www.capitalone.com THIS AMOUNT • Set up account alerts • Review account information • Manage your account in privacy PHILLIP I WILLIAMS 403320 BROOKLYN, NY 11234-4029 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 -I I EFTA00123899 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been electronic payment that yell be debited ken your hank account or other related account. When you provide a paying your mount in lull wth no Interest Charges. but then you do not pay your nit NenPatrice in ben we will check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the finismay be ohne" born four bank account as soon as the sarre day we process your payment. total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement WSW wIllthou Credit *Payments lot addbonal inbraxim. Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe statement and your check to the mood address an the front et this statement Please stow at least 171 Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost (am may not be credted as of the day we (*CM.Dens. Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the Bing Cytie if 'out account is subject loan Interest Change. bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new Iowa APRs. transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk tiling Rights Summary (Pees oraletppi) toSondeitcanect Arrountg Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months summits, wag to us at balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the In your leder, wse us the kilormg Sensation: Barg Cycle. The result is the Average Daily Bianakt each serpent Account "notion: Your name and accost roster. 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic DOlafaMtha: The dolor amine( the suspectedMt rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You Bang Cycle. must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy aaualy assessed. you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported error, the boning are true. inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in on the km cd ths summed net to yes Wen check the table below. question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we Code next to Now do we calculate your APRs)? When yaw Antis) will change determine that we made a migalt you wit not have to pay the non in question or any interest or other lees yew APRs) coda + margin (previously d'udosed to you) related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds P Fyne Rate + urge The first day of the Ming Cycles that ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. 3 man LMOR + nucgn end in lanslip61July, and 0G. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn D Pen* Rine + The int day of each Biting Cycle. send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the I month U8OR + nuoyn (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly Mixing met be mix trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you whh a check that accesses your (reit cardaux" drat quality, and mco.a. 2y You must not yet hoe luty paid kr thepsalm.. Now do I Make Payments? You nay mire your payment in seven ways: II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at I. Di:lineand kiggng into youraccount. Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 2. Captal One Motile Barking app kr approved dentingMikes; While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we Mowng the voce prompts; may report you as dein:Nem. • CtileV the te hone nubet lend n the boa of ths latorent and Pithidkg your intimation to our ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" ITC08 OR'IA'15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123900 Cramer St Aug. 16 • Sep. IS, 2016 31 Days In Bilkng Cyde CapitalOne www.capitalone.o3m Credit Limit $200.00 Platinum MasterCard Account ending inIII Available Credit $0.00 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit $100.00 lI $230.75 5158.00 0ct12,2016 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance 3275.17 549.00 $0.00 $230.75 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES 54.58 Total Interest This Period 54.58 TOTALS YEAR TO DATE Total fees This Year $105.00 Total Interest This Year $37.91 Your minimum payment was not received in time to avoid a late fee. As a courtesy, vat didn't charge you a late fee this month. Please note that we may charge a late fee in future months if we dont receive at least your minimum payment by your due date. Your account a now dosed. Charges made prior to your request to close veil still post to your account, but future charges wil be declined. If you have a balance, please continue to make payments until your balance reaches SO. Your account will be reported to the aedit bureaus as dosed. EFTA00123901 Rev. 07/2015 201213 CapitalOrie WHAT DOES CAPITAL ONE® FACTS 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 you What? 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. Does Capital One Can you limit this Reasons we can share your personal information share? sharing? For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders YES NO and legal investigations, or report to credit bureaus For our marketing purposes — YES NO to offer our products and services to you For joint marketing with other financial companies YES NO For our affiliates' everyday business purposes — information YES NO about your transactions and experiences For our affiliates' everyday business purposes — information YES YES about your creditworthiness For our affiliates to market to you YES YES For nonaffiliates to market to you YES YES ■ Call us toll free: 1-888-817-2970 — our menu will prompt you th ough your choices. To limit our sharing Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Go to www.caoitalone.com/contactus OID:17697 Please Recycle EFTA00123902 Page 2 Who we are Who is providing this notice? Our affiliates include financial companies with the Capital One. Chevy Chase, Onyx. and Greenpoint names, such as Capital One Bank (USA). National Association; and Capital One, National Association. What we do How does Capital One To protect your personal information from unauthorized access and use. protect my personal information? we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does Capital One collect my 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, and Greenpoint names, such as Capital One Bank (USA), National Association; and Capital One, National Association. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. ■ Nonaffiliates we share with can include insurance companies, service providers, co-branded partners, retailers, data processors, and advertisers. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include companies such as other banks and insurance companies. Other important information CA and VT Residents: We will not share 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. NV Residents: Notice provided pursuant to state law. To be placed on our intemal Do Not Call List, call 1-888-817-2970. If you would like more information about telemarketing practices, you may contact us at Capital One, P.O. Box 30285. Salt Lake City, UT 84130-0286 nr wehinfn@capitalone.com. For more on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 1-702-486-3132; e-mBit. BC:PINFiVaci gimp nv us Telephone Communications: All telephone communications with us or our authorized agents may be monitored or recorded. 2015 Capital One. Capital One is a federally registered service mark. All rights reserved. EFTA00123903 Page toll 1 Customer Smite Sep. 16 - Oct. 15, 2016 30 Days in Bilk® Cycle Capita www.capitalone.com MINIMUM PAYMENT WARNING: Ilromde arty tomritturnpapalea=paiod. $01 ailpay rrae in ircioaslardEMINke you =comb pay oT [circa. Fccentsrsie: Platinum MasterCard Account ending in - Payment Amount Each Period If No Approximate time to Pay Off Estimated PEWBALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost Nov 12.2016 lAnnunPamert tMalTs 8212 $235.18 $183.00 pJealdlie slymaton a0xt cmot carsqrg sevces O1I PICAS( PA', AT LEAST TH6AMUNI LATE PAYMENT WARNING: redin teempsrimmut parer. by picket:We. Yen trey Hamm pay a We fee dtm Credit Limit $200.00 Cash Advance Credit Umit $100.00 Available Credit $0.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $235.18 S230.75 - L $0.00 J + f $4.43 J‘ $0.00 for questions about this account, please give us a call at 1400.955.6600. well be glad to he you Monday through friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. Your account is RESTRICTED New York residents may contact the New York State Department of financial Sewkes to obtain a comparative listing of credit card rates, fees, and race nods. Contact the Please give us a call to discuss your New YorkState Depanment of Finandal Services: or www.dfs.ny.gov. account status and payment options. (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS= 1-800-955-6600 300056 ( TRANSACTIONS FOR PHILLIP I WILLIAMS INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate (APR) is the annual interest rate on your account Total Fees This Period $0.00 Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate INTEREST CHARGED INTEREST CHARGE:PURCHASES $4.43 Purchases 23.15% P $232.88 $4.43 Total Interest This Period $4.43 Cash Advances 25.15% 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 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in Due Date New Balance Minimum Payment Amount Enclosed Take Advantage. Take Control. Nov.142016 $235.18 $183.00 ) Manage your account online at PLEASE PAY AT LEAST www.capitalone.com THIS AMOUNT • Set up account alerts • Review account information • Manage your account in privacy 403320 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte. NC 28272-1083 EFTA00123904 OM IS Now Can I Avoid Paying Interest Charges? tl you pay your simonents lien Balance in ill b( tie de dim Now do you Process Payments? Ythen you make a payment you authnte us to int" an ACK a we mil net charge you interest on re, new transactions that post to the pines. segment. t you have been electronic payment that yell be debited ken your hank account or other related account. When you provide a paying your mount in lull wth no Interest Charges. but then you do not pay your nit NenPatrice in ben we will check a check intonation is make a payment, you authicrte us to use elarnmo San the check to nuke a (barge interest on the patio ct the balance Mac you did not pay. For Cash Mance,. and Special Tombs. AC one AM of other elect:one Order bon your bark account. We may also process k in a check transaction. yell slag tinny Interest an the transaction fist+ Cenan prariconal cams may allow you to pay *a than the finismay be ohne" born four bank account as soon as the sarre day we process your payment. total lien Balance and and papng Interest Charges on new purchased. Please Mkt Muse front of your statement WSW wIllthou Credit *Payments lot addbonal inbraxim. Fa noble, onlre or deer the phone, as of the builness day we Wets* h. as log &skis made by 8 p.m. ET. Now Is the Interest Charge sop IS? Interest Charges moue km the date of thetramming or tie firth day of Far main payments. as d the busineSS day we weave it as long as you send the bcoom portions/ th6 the Sling Cycle. Interest Charges awe on every unpaid amount uma his pad in MI. This means you may owe statement and your check to the mood address an the front et this statement Please stow at least 171 Interest Ourges men i you pay the entire New Balance for ore Meg Cycle. but did not do so they:knout Ming business days lot mail delvers. Staled payments wink by us at any other location cr payments n ray oche, Cycle. Unpaid Interest Clinesare added to the corresponding serent dyne accost (am may not be credted as of the day we (*CM.Dens. Do you assess a Minimum Interest Charge? We may assess a mhimum 'merest Charge et $050 ban each Now do you Amity. My Payment? We generally apply payments up to your lAnimum Payment lest to the Bing Cytie if 'out account is subject loan Interest Change. bance soh the long APR hoaxing 0thAPM, and then to biancts war higher APRs. We apply any part yes parent meeting your Minimum Payment to the balance wth the highest" and then to halides with Now do_you Cairn!" the "lost Charge We use a meted rated Avenge Daily Blake Ondudrg new Iowa APRs. transactions). I. Fest, kr each septet Yet take the begin-rig balance emh day and add in new genial:heft mid the perfodk tiling Rights Summary (Pees oraletppi) toSondeitcanect Arrountg Interest Charge on the previous days balance. Then we subtract any payments and credits that segment as What To Do 11 You Thirst You Find A Mistake On Your Statement tl you think there is an ma co your of that day. The resat is the dilly balance (a each segment intro. i you pad your denim months summits, wag to us at balance in MI (or OW wevid.6 StateMert balance was two or a credit amoun0, new isanSaeliOnS With post Caput One P.O. Boa 30285 Salt Lake City; U1 841300285 to your paktum sepent are rthi added to the daily balance. 2. Neu, 10f each segment, we add the dig takes together rid Ohne the sum by the number of days in the In your leder, wse us the kilormg Sensation: Barg Cycle. The result is the Average Daily Bianakt each serpent Account "notion: Your name and accost roster. 3. Al the end death Ming Gide. we rthltipty your Average Daly Balance (a each segment by the dillypanic DOlafaMtha: The dolor amine( the suspectedMt rate (WR dvded by 365) (a that segment, and Mob mainly the result by the number of days in the Biting Descrimico of Nona if you think there is an ma an you bit describe what you helot is wrong and who Cycle. We add tie Interest Charges br al segments together. The result 6 your total kin Charge kr the you belere it 6 a mistake. You must num us within 60days after the errs appeared co your comae nt You Bang Cycle. must notify us of any potential errors in wiring. You may call us a notify us electron-nig, but 8 you do we are 1101E; Due to rounding or a miner" Interest Charge. this canto, may vary slitty born the Interest Charge not requred he inveStvte any potential errors and you may hare to pay the male n question. We ail trendy aaualy assessed. you in writing within 30 (Iasi dour wept of your letter. While we instigate whetha or not there has been an Now can my Variabk MR thane Your APR may increase ix decrease based an one of the kibning reported error, the boning are true. inclos (reported a The Wall Street loarnah. Wind inch index is usedSkiyour ea*" look (a a letter code We maix try to cotes the mere in question, a report sou as delinquent co that amount The chile in on the km cd ths summed net to yes Wen check the table below. question may remain Co your statement and we may oaten to (hale you rarest co that amount But if we Code next to Now do we calculate your APRs)? When yaw Antis) will change determine that we made a migalt you wit not have to pay the non in question or any interest or other lees yew APRs) coda + margin (previously d'udosed to you) related to that amount. While you do rim have to pay the amount in question until we sand you a now about the outcome Olds P Fyne Rate + urge The first day of the Ming Cycles that ithtsligthrth. you are itS6Cethble (Of the reminder of your balance. 3 man LMOR + nucgn end in lanslip61July, and 0G. Wean apply ares unpin amount aganst your credit Int. Within %dais dour recede of yon k0et, wenn D Pen* Rine + The int day of each Biting Cycle. send you a gotten non explaining ether that we corrected the error to appear on your nee statement) or the I month U8OR + nuoyn (Mat we Mime te bit is Correa. Your Rights If You Ate Dissatisfied With Your Purchase: If you are dissathied yin the goods or services Now_um_l_Avoid_hlenthenhip_beg B a Renexal Mike 6 printed cn the from of th6 statement, you may tut you have purchased with your treat card, and you hare tried in good faith to correct the problem with the and oaring an .Y11 41 rembership fee by calumny CINCITiel Stokenolam tan 45days after the last day in merchant, you my( hate the right not to pay tenoning amount due on the purchase. To use this rOt, the the Piing (sett covered bf this statement to request that we close yes account. To avoid paying a monthly Mixing met be mix trinkets] lee. Co e your account and we wit stop assessing sour manly combo-5hp Fee. 1)You met hare used your credit card (a the purchase. behests made wth cash names from to ATM a Has ..his I elm.. My fitimat7 You can contact Customer Stroke &gene to request that we dose you whh a check that accesses your (reit cardaux" drat quality, and mco.a. 2y You must not yet hoe luty paid kr thepsalm.. Now do I Make Payments? You nay mire your payment in seven ways: II al cl the nen above are met and you are Stil <16316thia1 with the piens.. contact us in wring at I. Di:lineand kiggng into youraccount. Capital One P.O. Bo 30285 Sah Lake City, UT 84130-0285 2. Captal One Motile Barking app kr approved dentingMikes; While we intesigate, the same rules apply to the disputed amount as Owned above. Oka we tinhn our 3. Telephone Yoke Response System by dialog the telephone number laud co the Iron of this stater" and investigation. we wit tell you didecint Atka point. if we think you owe an amount and you do not pay we Mowng the voce prompts; may report you as dein:Nem. • CtileV the te hone nubet lend n the boa of ths latorent and Pithidkg your intimation to our ay:remould*: OS 2015 Caphal One. Captal One is a ledialg repealed nom mat 5. Sendrq mailpayments tote address co the born of this %WM% with the payment coupon a you account damn" ITC08 OR'IA'15 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payment smoothly: Home Phone • Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Alternate Phone E-mail • Don't staple or paper clip your check to the payment slip. • Please don't include any additional correspondence. Address • Last but not least, be sure to write the last four digits of Please print address or phone number above using blue or black ink. your account number on your check. EFTA00123905 Pa 2 of 2 Cramer Service Sep. 16 - Oct IS, 2016 30 Days In Billing Cycle1 CapitaOne www.capitalone.com Credit Limit S200.00 Platinum MasterCard Account ending inMI Available Credit: $0.00 NEW MANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Unlit: S100.00 $235.18 S183.00 Nov 1Z 2016 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance 5230.75 50.00 $0.00 6235.10 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year $105.00 Total Interest This Year S42.34 Your minimum payment was not received in time to avoid a late fee. As a courtesy, we didn't charge you a late fee this month. Please note that we may charge a late fee in future months if we door receive at least your minimum payment by your due date. Your account a now dosed. Charges made prior to your request to close wil still post to your account, but future charges wit be declined. If you have a balance, please continue to make payments until your balance reaches SO. Your account will be reported to the aedit bureaus as dosed. EFTA00123906 Page 1 of 2 Customer Same I006258-9319 Oct. 16 - Nov. 15, 2016 31 Days in Billing Cyde CapitalOde www.capilaione.com IMPORTANTACCOUNT UPDATES Platinum MasterCard Account ending in Yoshibarn:es cle.Pnypeynnem Mewl's:tee yoatelance ard helppaya! NEWBALANCE PAYMENT DUE DUE DATE Kamahew Theamcut Ku one may celenlyouse enseeditoa warmpcxmert kAva Nmerrem 5239.85 $239.85 PAST DUE ilah]e Credrt S... c ... Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 5235.18 j $0.00 $4.67 50.00 $239.85 New York residents may contact the New York State Department of financial Services to obtain a comparative listing of credit card rates, fees, and race riods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Help Is Available. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WILLIAMS Just Pick Up the Phone. call 1-800-258-9319 and a specially TRANSACTIONS FOR PHIWP I WIWAMS trained agent will be happy to help you or answer any questions you may have. 300043.0 FEES Total Fees This Period S0.00 INTEREST CHARGED INTEREST CHARGE CALCULATION INTEREST CHARGE:PURCHASES 34.67 Your Annual Percentage Rate (AM) is the annual interest rate on your account. Total Interest This Period 34.67 Annual Percentage Balance Subject to Type of Balance Interest Charge TOTALS YEAR TO DATE Rate (APR) Interest Rate Total Fees This Year $105.00 Purchases 23.15% P $237.43 $4.67 Total Interest The. Year $47.01 Cash Advances I 25.15% P 30.00 $0.00 = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 Account ending in Due Date New Balance Amount Enclosed Past Die Stay Informed. For the most current information about your account, give us a call at 1-800-258-9319. PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA). N.A. P.O. Box 71083 Charlotte, NC 28272-1083 111111'I" Odd'.II 1ii HI-1'101dd I EFTA00123907 How can I Avoid Payino Interest Charoes? If you pay your statemenrs New Balance in How do you Process Payments? When you make a payment you authorize us to full by the due date. we wit not charge you interest on any new transactions that post to initiate an ACH or electronic payment that mil be debited from your bank account or the purchase segment. If you have been paying your emoted 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 nictitation from the check to make a one-lime ACH or the portion of 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 start 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 Mirimun information. Payment first to the balance with the lowest APR (including 0% APR). and then to How Is the Interest Chafed 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 Bang 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 Blllina Rights Summary (Does notkr* to Small Busness Accounts) the entire New Balance for one Billing 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 you statement. write to us at: Do you assess a Minimum Interest Chew? We may assess a minimum Interest Capital One P.D. Box 30285 Salt Lake City, UT 84130-0285 Charge of $0.50 for each Billing Cycle if your accant is subject to an Interest Charge. In your letter. give us the following Okernabon: How do you Calculate the Interest Chew? We use a method called Average Daily • Account information: Your name and account number. Balance (including new transactions). • Dollar amount: The dollar amount of the suspected error. 1. First, for each segment we take the beginning balance each day and add in new • Description of Problem: If Au think there is an error on your bit, describe what you transactions and the periodic Interest Charge on the previous days balance. Bien we believe is wrong and why you believe it is a mistake. You must contact us within 60 subtract any payments and credits for that segment as of that day. The result is be days after the error appeared on your statement You must notify us of any potential daily balance for each segment. However, if your previous statement balance was zero errors in writing. You may call us or notify us electronically, but if you do we are not or a credit amount new transactions which post to your purchase segment are not required to investigate any potential errors and you may have to pay the amount :I added to the daily balance. question. We a notify you in writing within 30 days of our receipt of you letter. Whit 2. Next br each segment we add the daily balances together and divide the sum by the we investigate whether or not there has been an error. the blowing are true: number of days in the Bilking Cycle. The result is the Average Daily Balance for each • We cannot try to collect the amount in question, or report you as delinquent on that segment. amount. The charge in question may remain on your statement, and we may contnue to 3. Al the end of each Billing Cycle. we multiply your Average Daly Balance for each charge you interest on that amount But if we determine that we made a mistake, you segment by the deity periodic rate (APR divided by 365) for that segment. and then we will not have to pay the amount in question or any interest or other fees related to that multbly the result by the number of days in the Billing Cycle. We add the Interest amount. Charges for all segments together. The resift is your total Interest Charge for the Billing • While you do not have to pay the amount in question until we send you a notice about Cycle. the outcome of our investigation. you are respcostte for the remainder of your balance. The Average Daly Balance is referred to as the Balance Subject to Interest Rao it the • We can apply any unpaid amount against your credit knit Within 90 days of our Interest Charge Calculation section of this Statement receipt of your letter, we wil send you a written notice explaning either that we NOTE: Due to rounding or a minimum Interest Charge. this calculation may vary slightly corrected the error (to appear on your next statement) or the reasons we believe the till from the Interest Charge actually assessed. is correct. How can my Variable APR change? Your APRs may increase or decrease based on one Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with of the following indices (reported in The Warr Street Journal ). The letter code below the goods or services that you have purchased with your credit card. and you have tried corresponds with the letter next to your APRs in the Interest Charge Calculation section of In good faith to correct the problem with the merchant you may have the right not to pay this statement. the remelting anoint due on the purchase. To use this right, the following must Code next to How do we calculate your When your APRs) will change be true: your APFt(s) APR(s)? Index + margin 1) You must have used your credit card fa the purchase. Puchases made with cash P Prime Rate + margin The first day of the Billing Cycles that advances from an ATM or with a check that accesses you credit card account do not L 3 month LIBOR + margin end in Jan.. April. Jky. ard Oct. giddy: and 2) You must not yet have fully paid for the purchase D Prime Rate + margin The first day of each Billing Cycle. If all of the criteria above are met and you are still dissatisfied with the purchase. contact F 1month LIBOR + margin us in writing at: Capital One. P.O. Box 30285. Sall Lake City. UT 84130-0285 While we ow can I Avoid Mem arshlp Fees? If a Renewal Notice is printed on the front of this investigate. the same rules apply to the disputed amount as discussed above. After we LatemenL you may avoid paying an annual membership Fee by contacting Customer finish our investigation. we will tell you our decision. At that pont if we think you owe an Service no later than 45 days after the last day in the Biting Cycle covered by this amount and you do not pay we may report you as delinquent. tatement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we wil slop assessing your monthly membership Fee. D2016 Capital One. Capital One is a federaly registered service mark ETC-08 How can I Close My Account? You can contact Customer Service anytime to request 11/01/16 that we close your accant 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 onmediateN capdakine.com or complete the information 3. Telephone Voice Response System by dialing the telephone number listed on the below. Please print using blue or black ink front of this statement and following the voice prompts; 4. Sending mail payments to the address on the front of this statement with the payment coupon or your accoul information. Street. When will you Credit My Payment? • For mobile, online or over the phime, as of the business day we receive it as long City as they are made by 8p.m. ET. • For mail. as of the business day we receive it as long as it is received by 5 p.m. State Zip code local time at our processing center. You mustmustsend the bottom portion of this statement and your check to the payment address on the front of this statement. Mane Please allow at least seven (7) business days for mail delivery. Misled payments received by us at any other location or payments in any other form may not be Ernal credited as of the day we receive them. till To change or update your address please call 1-800-258-9319 or visit www.capitalone.com is EFTA00123908 Your account has charged off. It is now being serviced by the Recoveries department. Call 1-800-258-9319 if you have questions about this notice. EFTA00123909