Page 1 of 2 Customer Service Dec. 16 - Jan. 15,2017 31 Days in Billing Cyde www.capitalone.com rs no wil pay more in imerest and ft will take you longer to pay off your balance. For example: 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 $166.71 $15.00 Feb 12, 2017 Manmum Payemect ‘eMonts) $5 you would like information about credit counseling services, i” PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Credit Limit: $750.00 Cash Advance Credit Limit: $100.00 | ¥04™ayhevet pay alete fe of up to $12.00, Available Credit: $583.29 Available Credit for Cash Advances: $583.29 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $13.21 - $407.92 + $0.50 + $560.92 = $166.71 New York residents may contact the New York State Department af Financial Services to J parative listing of credit card rates, fees, and grace periods. Coritact the It Ss easy to set up your New York State Department of Financial Services: a or www.dis.ny.gov. 7 account alerts: ( TRANSACTIONS J eer ' irst, “I in” to Online Bankin xt, sign J PAYMENTS, CREDITS & ADJUSTMENTS FOR J J Be RRS BE, BN BLY 1 11JAN Cap 1 ElecPhonePmt VRUAuthDate 11-JAN ($407.92) 1. Clicking “Messaging and Alerts” 2. Clicking “Set Alerts” . Choosing the free al ‘d like to recei\ TRANSACTIONS as 3. Choosing the free alerts you'd like to receive | 22 DEC $206.45 Your carrier may charge a fee for each text message alert you receive. ARRIER: AA SVC: V 2 25 DEC E *Magic Mirrorg.co/payhelp#CA $0.99 INTEREST CHARGE CALCULATION 331 DEC PEACH AND LILY8003389152NY $69.68 Your Annual Percentage Rate (APR) is the annual interest rate on your account. 4 03 JAN AMERICAN 00010269972350TORONTOON $19.67 Annual Percent. Balance Subject t CURRENCY: CAD EXCHANGE RATE: 1334519573 Type of Balance mat wR age - ter Rat © interest Charge Tk#: 0010269972350 e interest Rate cr Purchases 23.40% P $11.20 $0.00 Cash Advances 25.40% P $0.00 $0.00 P.L,D,F = Variable Rate. See reverse af 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. capita Fe Account ending in Due Date New Balance Minimum Payment Amount Enclosed ENJOY 24/7 ACCESS TO YOUR ACCOUNT Feb. 12, 2017 $166.71 $15.00 . Log in and manage your account online at wwa.capitalone com © Pay bills PLEASE PAY AT LEAST © Check your balance THIS AMOUNT © Review transactions BROOKLYN, NY 11234-4029 Capital One Bank (USA), N-A- Wal Charlotte, NC 28272-1083 EFTA00123723

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol ip Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. How do you Process Payments? When you make a payment, you authorize us to initiate an ACH or electronic payrnent that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining alther that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IND Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 Hew do ie Posmmacte? You may make your payment in several ways: Online Banking by logging inte your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon of your account information. When will you Credit My Payment? * For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. « For mail, as of the business day we receive it as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thés statement. Please allow at least seven (7} business days for mail delivery. Mailed payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. oor 3 EFTA00123724

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2of 2 . Customer Service| www.capitalone.com Platinum MasterCard NEW BALANCE MINIMUM PAYMENT $166.71 $15.00 Previous Balance Payments and Credits $13.21 - $407.92 TRANSACTIONS CONTINUED TRANSACTIONS FOR SS BE (CONTINUED) ORIG: EBC, DEST: FEE S/O: O CARRIER: AA SVC: Y 5 O4 JAN HAAGEN DAZSWEST NYACKNY 6 O4JAN I LY 2WEST NYACKNY ? 12 JAN SALLY BEAUTY #1907BROOKLYNNY 8 12 JAN MADRAG 6300868R00KLYNNY 9 12 JAN 9 WEST OUTLET #2582BROOKLYNNY FEES 1 14JAN MINIMUM INTEREST CHARGE Total Fees This Period INTEREST CHARGED Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year Account ending in DUE DATE Feb 12, 2017 Fees and Interest Charged + $0.50 $18.42 $79.50 $28.59 $117.63 $19.99 $560.92 $560.92 $0.50 $0.50 $0.00 $0.50 $0.00 Dec. 16 - Jan. 15, 2017 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $560.92 31 Days in Billing Cyde $750.00 $583.29 $100.00 $100.00 New Balance $166.71 EFTA00123725

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Page 1 of 2 Customer Service A Jan. 16 - Feb. 15,2017 31 Days in Billing Cyde www.capitalone.com nee ce meen: ntact tcteenreretch wil pay more in interest and ft will take you longer to pay off your balance. For example: 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 $471.12 $15.00 Mar 12, 2017 Manrum Payemect | Seas |__ $47 ob, $18 Yeas $660 PLEASE PAY AT ist THIS AMOUNT Estimated savings if balance is paid off in about 3 years: $187 Credit Limit: $750.00 Cash Advance Credit Limit: $100.00 | HyouWoud ike inamaton about cedt counseling senices, cal Available Credit: $278.88 Available Credit for Cash Advances: $100,00 | LATE PAYMENT WARNING: we co not receve you minimum payment by your due dae, you may have to pay a late fee of up to $19.00. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $166.71 - $514.51 + $0.00 + $818.92 s $471.12 New York residents may contact the New York State Department of Financial Services to 300075 abtain a comparative listing of credit card rates, fees, and grace periods. Caritact the i New York State Department of Financial Services: a or www.dis.ny.gov. Introducing Samsung Pay ( TRANSACTIONS | P | : ; y alm anywhere yo PAYMENTS, CREDITS & ADJUSTMENTS FOR [i [i SAMSUNG mY RIMASt SF YAWNETS aM 1 18JAN CheapTix*?23792469707 ?wnww.ctix.infoWA ($14.51) pay can swipe or tap your card 2 03 FEB Cap 1 ElecPhonePmnt VAUAuthDate 03-FEB ($500.00) Learn more at: www.capitalone.com/ TRANSACTIONS FOR [iS SG samsungpay 1 18 JAN CheapTix*723792469707 ?vww.ctix.infoWA $22.00 2 18JAN AMAZON MKTPLACE PMTSAMZN.COM/BILLWA $30.37 estain Capital One accounts are not eligible, including partner card 3 18JAN $104.61 INTEREST CHARGE CALCULATION ‘ Your Annual Percentage Rate (APR) is the annual interest rate on your account. S/O: © CARRIER: WS SVC: | Annual Percent falance Subject t 4 23. JAN AMAZON METPLACE PMTSAMZN.COM/BILLWA $21.42 Type of Balance pate (APR) age interest Rate © interest Charge 5 23 JAN APPLEBEES 98163550053 7GLENMONTNY $48.48 6 — 24JAN SUNOCO 0395691900 QPSALBANYNY $30.03 Purchases 23.40% P $0.00 $0.00 Cash Advances 25.40% P $0.00 $0.00 . P.LD,F = Variable Rate. See reverse af 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. capitate Account ending in Due Date New Balance Minimum Payment Amount Enclosed Your new statement is coming next month. Redesigned with you in mind. Mar. 12, 2017 $471.12 $15.00 : PLEASE PAY AT LEAST THIS AMOUNT Watch a video walk-through of your new simplified statement at: capitalone.com/MyNewStatement. BROOKLYN, NY 11234-4029 Capital One Bank (USA)+ N-A- Waal Charlotte, NC 28272-1083 EFTA00123726

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your statement for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol ip Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. How do you Process Payments? When you make a payment, you authorize us to initiate an ACH or electronic payrnent that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining alther that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IND Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 Hew do ie Posmmacte? You may make your payment in several ways: Online Banking by logging inte your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon of your account information. When will you Credit My Payment? * For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. « For mail, as of the business day we receive it as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thés statement. Please allow at least seven (7} business days for mail delivery. Mailed payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. oor 3 EFTA00123727

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2of 2 . Customer Service www.capitalone.com ee Platinum MasterCard Account ending in i NEW BALANCE MINIMUM PAYMENT DUE DATE $471.12 $15.00 Mar 12, 2017 Previous Balance Payments and Credits Fees and Interest Charged $166.71 - $514.51 $0.00 TRANSACTIONS CONTINUED TRANSACTIONS FOR SI EI (CONTINUED) ? 27JAN LAGUARDIA USA, LLCNEW YORKNY 8 31JAN WESTIET PSGR: ORIG: LGA, DEST: YYZ CARRIER: WS SVC: 1 ORIG: Y¥Z, DEST: LGA SO: © CARRIER: WS SVC: | 9 31 JAN PEACH AND LILY8003389152NY 10 O7 FEB WENDY'S 8513GLENMONTNY 11 OB FEB MACYS FLUSHINGFLUSHINGNY EB ALDO US #2156WEST NYACKNY 12 13° «08 XPRESS#02 ISWEST NYACKNY Total for I > Total Transactions This Period FEES Total Fees This Period INTEREST CHARGED Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year $29.50 $199.26 $108.88 $9.16 $84.92 $52.17 $78.12 $818.92 $818.92 $0.00 $0.00 $0.50 $0.00 Jan. 16 - Feb. 15, 2017 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $818.92 31 Days in Billing Cyde $750.00 $278.88 $100.00 $100.00 New Balance $471.12 EFTA00123728

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Page 1 of 2 p Platinum MasterCard Account Ending in | | Feb. 16, 2017 - Mar. 15, 2017 | 28 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $471.12 Apr. 1 2 , 20 1 7 the deadline is 8pm ET. Payments $450.00 New Balance Minimum Payment Due Other Credits $0.00 $295. 12 $ 1 5.00 Transactions + $270.68 LATE PAYMENT WARNING: If we do not receive your minimum payment Cash Advances + $0.00 by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $3.32 longer to pay off your balance. For example: New Balance = $295.12 Credit Limit $750.00 Available Credit (as of Mar. 15, 2017) $454.88 Minimum Payment 3 Years $398 : Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call Available Credit for Cash Advances $100.00 Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. Account Notifications @ __ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: NE or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: | See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to 7 ensure your payment is processed promptly. Allow at least seven business days for delivery. Pay your bill on the go. Payment Due Date: Apr. 12, 2017 Account Ending in [il Pay your bill securely and New Balance Minimum Payment Due Amount Enclosed yma ° leo ae ‘apital One® mobile app. $295.12 $15.00 $e BROOKLYN, NY 11234-4029 Copital one Bank (USA). WA. hal Charlotte, NC 28272-1043 EFTA00123729

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123730

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Transactions HR GE. Payments, credits and Adjustments Date Description Amount Mar 10 = Cap 1 ElecPhonePmt VRUAuthDate 10-MAR - $450.00 HS GT ransactions Date Description Amount Feb 14 SUNOCO 0042304602 QPSCLARENCENY $34.09 Feb 19 AMAZON MKTPLACE PMTSAMAZON $47.80 MKTPLAWA Feb 20 AMAZON MKTPLACE PMTSAMAZON $19.90 MKTPLAWA Feb 27 SEPHORA SCAR TWN CTR $24.17 5SCARBOROUGHON 31.64 CAD 1.309060819 Exchange Rate Feb 28 SUNOCO 0015423703 QPSSYRACUSENY $27.58 Feb 28 PIZZA HUT 317003170859ALBANYNY $17.85 Mar 1 MACYS COLONIE CENTERALBANYNY $13.48 Mar 2 WM SUPERCENTER #3583GLENMONTNY $9.71 Mar 8 EXXONMOBIL 97375604LITTLE $35.40 FALLSNY Mar 12 EXXONMOBIL 97375943AMSTERDAMNY $40.70 a 10121 $270.68 Total Transactions for This Period $270.68 Date Amount $0.00 Description Total Fees for This Period Interest Charge on Purchases $3.32 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $3.32 Total Fees charged in 2017 $0.50 Total Interest charged in 2017 $3.32 Page 2 of 2 Platinum MasterCard Account Ending in || Feb. 16, 2017 - Mar. 15, 2017 | 28 days in Billing Cycle Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 23.40% P $184.80 $3.32 Cash Advances 25.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300088 Track your card’s every move. capiite Get tools to help you manage and track your spending in real time with Capital One Wallet™. EFTA00123731

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Page 1 of 2 P Platinum MasterCard Account Ending in | | Mar. 16, 2017 - Apr. 15, 2017 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $295.12 M ay 12, 20 1 7 the deadline is 8pm ET. Payments ~ $300.00 New Balance Minimum Payment Due Other Credits $0.00 $499 .07 $ 1 5 . 00 Transactions + $498.92 LATE PAYMENT WARNING: If we do not receive your minimum payment Cash Advances + $0.00 by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $5.03 longer to pay off your balance. For example: New Balance = $499.07 Credit Limit $750.00 Available Credit (as of Apr. 15, 2017) $250.93 Minimum Payment 6 Years $946 : - - + Cash Advance Credit Limit $100.00 $19 3 Years $702 Available Credit for Cash Advances $100.00 Estimated savings if balance is paid off in about 3 years: $244 If you would like information about credit counseling services, call [i 300078 — See purchases on your time— azz, inreal time. Capital One Wallet™ gives you instant purchase notifications. And you can lock your card anytime. Account Notifications @ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: EE or www_dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: | See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to . ensure your payment is processed promptly. Allow at least seven business days for delivery. Make a statement. Payment Due Date: May 12, 2017 Account Ending in || Go paperless. Stop waiting for your bill to arrive New Balance Minimum Payment Due Amount Enclosed in the mail and go paperless today. $499.07 $15.00 $ BROOKLYN, NY 11234-4029 Copital one Bank (USA). WA. Wha Charlotte, NC 28272-1043 EFTA00123732

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123733

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Transactions Page 2 of 2 Platinum MasterCard Account Ending in || Mar. 16, 2017 - Apr. 15, 2017 | 31 days in Billing Cycle Transactions Continued HR GE. Payments, Credits and Adjustments Date Description Amount Apr 1l Cap 1 ElecPhonePmt VRUAuthDate 11-APR - $300.00 HR GE. Transactions Date Description Amount Mar 17 NICKS LIVE LOBSTERSBROOKLYNNY $55.00 Mar19 WM SUPERCENTER #3583GLENMONTNY $86.93 Mar 22 WAL-MART #3583GLENMONTNY $15.64 Mar 23 GAS BAR #1770 - PUMPKINGSTONON $37.52 50.00 CAD 1.332622601 Exchange Rate Mar 27 MAPLE DALE NICE & EQ39BARNEVELDNY $34.97 Mar 31 AMAZON MKTPLACE $58.76 PMTSAMZN.COM/BILLWA Apr SUNOCO 0395691900 QPSALBANYNY $24.37 Apr 1 SUNOCO 0867528201 QPSLE ROYNY $30.28 Apr 3 SUNOCO 0015416101 $33.56 QPSWESTMORELANDNY Apr 5 AMAZON MKTPLACE $47.00 PMTSAMZN.COM/BILLWA Apr10 AMAZON MKTPLACE $10.97 PMTSAMZN.COM/BILLWA Apr12 EXXONMOBIL 97376024FRANKFORTNY $30.56 Apr13 AMAZON MKTPLACE $33.36 PMTSAMZN.COM/BILLWA ES 1012 $498.92 Total Transactions for This Period $498.92 ee Date Description Amount Total Fees for This Period $0.00 mtorestcharges Interest Charge on Purchases $5.03 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $5.03 Total Fees charged in 2017 Total Interest charged in 2017 $0.50 $8.35 Interest rge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject _ Interest Charge Balance Rate(APR) to Interest Rate Purchases 23.65% P $250.34 $5.03 Cash Advances 25.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300086 Get the app designed to save time. Effortlessly manage your account on the go with the Capital One” mobile app. EFTA00123734

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Capital he Page 1 of 2 Platinum MasterCard Account Ending in | | Apr. 16, 2017 - May 15, 2017 | 30 days in Billing Cycle Payment Information Account Summary Payment Due Date Jun. 12, 2017 For online and phone payments, the deadline is 8pm ET. New Balance $479.38 Minimum Payment Due $15.00 by your due date, you may have to pay a late fee of up to $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Minimum Payment 6 Years $881 LATE PAYMENT WARNING: If we do not receive your minimum payment $19 3 Years $674 Estimated savings if balance is paid off in about 3 years: $207 If you would like information about credit counseling services, call [i Previous Balance $499.07 Payments - $499.07 Other Credits $0.00 Transactions + $479.38 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance = $479.38 Credit Limit $750.00 Available Credit (as of May 15, 2017) $270.62 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 Monitor your credit score with CreditWise* built right into the Capital One* mobile app. Account Notifications @) _ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www_capitalone.com. Payment Due Date: Jun. 12, 2017 Customer Service: | Please send us this portion of your statement and only one check (or one money order} to 7 ensure your payment is processed promptly. Allow at least seven business days for delivery. Account Ending in 300084 Stay on top of your credit score. See reverse for Important Information Pay your bill New Balance $479.38 Minimum Payment Due BROOKLYN, NY 11234-4029 Amount Enclosed $15.00 $o — One Bank (USA),+ N-A- Charlotte, NC 28272-1043 on the go. Pay your bill securely and review transactions with the Capital One* mobile app. EFTA00123735

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123736

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Transactions HR GE. Payments, Credits and Adjustments Date Description Amount May 5 Cap 1 ElecPhonePmt VRUAuthDate 05-MAY - $499.07 HS BT ransactions Date Description Amount Apr 25 SUNOCO 0015416101 $39.11 QPSWESTMORELANDNY Apr 27 407ETR-INTERNETWOODBRIDGEON $29.01 39.28 CAD 1.354015857 Exchange Rate Apr30 = AmazonPrime $107.79 Membershipamzn.com/prmeWA May 3 EXXONMOBIL 97360002VICTORNY $33.05 May 9 MACYS COLONIE CENTERALBANYNY $270.42 a 101 $479.38 Total Transactions for This Period $479.38 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 Total Fees charged in 2017 $0.50 Total Interest charged in 2017 $8.35 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 23.65% P $0.00 $0.00 Cash Advances 25.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Page 2 of 2 Platinum MasterCard Account Ending in || Apr. 16, 2017 - May 15, 2017 | 30 days in Billing Cycle Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. EFTA00123737

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Capital he Page 1 of 2 Platinum MasterCard Account Ending in || May 16, 2017 - Jun. 15, 2017 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, the deadline is 8pm ET. Jul. 12, 2017 New Balance Minimum Payment Due $165.79 $15.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You will pay off And you will additional charges using the balance shown —_—end up paying this card and each on this statement an estimated month you pay... in about... total of... Minimum Payment 16 Month(s) $194 If you would like information about credit counseling services, call Previous Balance $479.38 Payments - $1,297.30 Other Credits $0.00 Transactions + $983.71 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance = $165.79 Credit Limit $750.00 Available Credit (as of Jun. 15, 2017) $584.21 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 300086 > 4 Get the app designed to save time. Effortiessly manage your account on the go with the Capital One” mobile app. Account Notifications @ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: EN or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Please send us this portion of your statement and only one check (or one money order} to q ensure your payment is processed promptly. Allow at least seven business days for delivery. Customer Service: | See reverse for Important Information Make a statement. Payment Due Date: Jul. 12, 2017 Account Ending in Go paperless. Stop waiting for your bill to arrive New Balance Minimum Payment Due Amount Enclosed in the mail and go paperless today. $165.79 $15.00 $ a BROOKLYN, NY 11234-4029 — One Bank (USA)»s N-A- Charlotte, NC 28272-1043 EFTA00123738

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123739

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Transactions HR GE. Payments, Credits and Adjustments Date Description Amount May 18 CAPITAL ONE ONLINE PYMTAuthDate - $300.00 17-MAY Jun 2 Cap 1 ElecPhonePmt VRUAuthDate 02-JUN - $479.38 Jung Cap 1 ElectronicPhonePmtAuthDate 09-JUN - $200.00 Jun 13 CAPITAL ONE ONLINE PYMTAuthDate - $317.92 13-JUN MES BE Transactions Date Description Amount May 19 EXXONMOBIL 97376024FRANKFORTNY $30.78 May 24 COMFORT INNS GLEMONTGLENMONTNY $149.98 ARRIVE: 05/22/17 DEPART: 05/24/17 FOLIO#: PH#: May 26 AMAZON MKTPLACE $86.66 PMTSAMZN.COM/BILLWA Jun EXXONMOBIL 97376024FRANKFORTNY $33.53 Jun 2 ESSOSCARBOROUGHON $44.57 60.00 CAD 1.346196993 Exchange Rate Jun 4 SPEEDWAY 07670LIVERPOOLNY $36.87 Jun 5 CMSVEND*PRESTIGE SERVIHALFMOONNY $1.25 Jun 6 CARON SHOES BOUTIQUE $99.89 109083525074NJ) Jun & SUNOCO 0042304602 QPSCLARENCENY $34.43 Jun & COMFORT INNS GLEMONTGLENMONTNY $299.96 ARRIVE: 06/04/17 DEPART: 06/08/17 FOLIO#: PH#: Jun 12 PENINSULA (QUEENSTON-LNIAGARA $164.54 FALLSON 221.00 CAD 1.343138447 Exchange Rate Jun 12 | CMSVEND*PRESTIGE SERVIHALFMOONNY $1.25 a 1012 $983.71 Total Transactions for This Period $983.71 Date Description Amount Total Fees for This Period $0.00 Page 2 of 2 Platinum MasterCard Account Ending in || May 16, 2017 - Jun. 15, 2017 | 31 days in Billing Cycle Transactions Continued Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 (ROH Totals Yearstosoate | Total Fees charged in 2017 $0.50 Total Interest charged in 2017 $8.35 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 23.65% P $0.00 $0.00 Cash Advances 25.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300085 Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CreditWise’—built right into the Capital One* mobile app. Text ONE to 80101 to download the app. Messaging & Data rates may apply. EFTA00123740

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Page 1 of 2 d Platinum MasterCard Account Ending in | | Jun. 16, 2017 - Jul. 15, 2017 | 30 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $165.79 Aug. 1 2, 20 1 7 the deadline is 8pm ET. Payments ~ $480.00 New Balance Minimum Payment Due Other Credits $0.00 $446 .82 $ 19 .00 Transactions + $728.04 LATE PAYMENT WARNING: If we do not receive your minimum payment Cash Advances + $0.00 by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $12.99 longer to pay off your balance. For example: New Balance = $446.82 Credit Limit $750.00 Available Credit (as of Jul. 15, 2017) $303.18 Minimum Payment 5 Years $773 : Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call Available Credit for Cash Advances $100.00 Your annual fee of $29 will be charged on your 08/2017 statement. Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. Account Notifications @ __ New York residents may contact the New York State Department of @ _ Renewal Notice - Your 08/2017 bill will include your $29.00 annual Financial Services to obtain a comparative listing of credit card rates, membership fee. The reverse of this page explains how you may close fees, and grace periods. Contact the New York State Department of your account and avoid this fee. Both sides of this page provide Financial Services: EN or www_dfs.ny.gov. important information about your rate(s) and how your interest charge is calculated. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: | See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to 7 ensure your payment is processed promptly. Allow at least seven business days for delivery. Pay your bill on the go. Payment Due Date: Aug. 12, 2017 Account Ending in J Pay your bill securely and New Balance Minimum Payment Due Amount Enclosed yom ? mewn ihe ‘apital One® mobile app. $446.82 $19.00 $e BROOKLYN, NY 11234-4029 Copital one Bank (USA), WA. hal Charlotte, NC 28272-1043 EFTA00123741

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123742

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Transactions Visit www.capitalone.com to see detailed transactions. es ee. Payments, Credits and Adjustments Date Description Jun 18 Cap 1 ElectronicPhonePmtAuthDate 17-JUN Jul 13 Cap 1 ElecPhonePmt VRUAuthDate 13-JUL BS BE: transactions Date Description Amount Jun 15 SUNOCO 0723331501 QPSRUBYNY $34.74 Jun 15 COMFORT INNS GLEMONTGLENMONTNY $224.97 /17 DEPART: 06/15/17 Jun 17 = WESTJET $117.89 PSGR: ORIG: YYZ, DEST: LGA CARRIER: WS SVC: | Jun 17 WESTJET $257.15 PSGR: ORIG: LGA, DEST: YYZ S/O: O CARRIER: WS SVC: L Jun 18 Cheap x" TS $10.98 Jun 22 SUNOCO 0668591101 QPSMODENANY $29.22 Jun 29 CMSVEND*PRESTIGE SERVIHALFMOONNY $1.50 Jun 29 SUNOCO 0395691900 QPSALBANYNY $25.81 Jul 7 EXXONMOBIL 97375604LITTLE $25.78 FALLSNY a 101 $728.04 Total Transactions for This Period $728.04 Fees Date Description Amount Total Fees for This Period $0.00 Interest Charged Interest Charge on Purchases $12.99 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $12.99 Page 2 of 2 Platinum MasterCard Account Ending in | | Jun. 16, 2017 - Jul. 15, 2017 | 30 days in Billing Cycle Transactions Continued 2017 Totals Year-to-Date Total Fees charged in 2017 $0.50 Total Interest charged in 2017 $21.34 rest C In ge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 23.90% P $661.10 $12.99 Cash Advances 25.90% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300086 Get the app designed to save time. Effortlessly manage your account on the go with the Capital One” mobile app Text ONE to 80101 to download the app. Messaging & Data rates may apply. EFTA00123743

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Page 1 of 2 P Platinum MasterCard Account Ending in | | Jul. 16, 2017 - Aug. 15, 2017 | 31 days in Billing Cycle Payment In ation Account Summary Payment Due Date For online and phone payments, Previous Balance $446.82 Sep. 1 2, 20 1 7 the deadline is 8pm ET. Panne "$128.00 New Balance Minimum Payment Due Other Credits - $10.89 $790.59 $24.00 Transactions + $436.42 LATE PAYMENT WARNING: If we do not receive your minimum payment Cash Advances + $0.00 by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $29.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $14.24 longer to pay off your balance. For example: New Balance = $790.59 Credit Limit $750.00 Available Credit (as of Aug. 15, 2017) $0.00 Minimum Payment 10 Years $1,874 : - - + Cash Advance Credit Limit $100.00 $31 3 Years $1,115 Available Credit for Cash Advances $0.00 Estimated savings if balance is paid off in about 3 years: $759 If you would like information about credit counseling services, call [i Manage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One® mobile app. Account Notifications @ __New York residents may contact the New York State Department of @ _ Your account has gone over its credit limit. In addition to your required Financial Services to obtain a comparative listing of credit card rates, minimum payment, please pay enough to bring your account balance fees, and grace periods. Contact the New York State Department of below your credit limit to avoid the possibility of being declined. Financial Services: EE or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: | See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to 7 ensure your payment is processed promptly. Allow at least seven business days for delivery. 400038 Get the app designed to save time. Payment Due Date: Sep. 12, 2017 Account Ending in J Effortlessly manage your . account on the go with New Balance Minimum Payment Due Amount Enclosed the Capital One® mobile app. $790.59 $24.00 $ BROOKLYN, NY 11234-4029 Copital one Bank (USA), WA. hal Carol Stream, IL bOL97-b492 oT ts aT TU EFTA00123744

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123745

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Transactions HE GE. Payments, credits and Adjustments Date Description Amount Jul 17 PETLAND DISCNTS #66BROOKLYNNY - $10.89 Aug 9 Cap 1 ElecPhonePmt VRUAuthDate 08-AUG - $125.00 HR GE: Transactions Date Description Amount Jul 16 EXXONMOBIL 97360267PORT BYRONNY $26.54 Jul 17 PETLAND DISCNTS #66BROOKLYNNY $241.64 Aug10 WINNERS 423TORONTOON $78.90 100.00 CAD 1.267427123 Exchange Rate Augll AMAZON MKTPLACE $23.78 PMTSAMZN.COM/BILLWA Aug 13 EXXONMOBIL 97360424WEST $33.04 HENRIETTNY Aug 13 SUNOCO 0668591101 QPSMODENANY $32.52 a To $436.42 Total Transactions for This Period $436.42 Date Description Amount Aug15 CAPITAL ONE MEMBER FEE $29.00 Total Fees for This Period $29.00 Interest Charge on Purchases $14.24 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $14.24 Total Fees charged in 2017 $29.50 Total Interest charged in 2017 $35.58 Page 2 of 2 Platinum MasterCard Account Ending in | | Jul. 16, 2017 - Aug. 15, 2017 | 31 days in Billing Cycle Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 23.90% P $701.61 $14.24 Cash Advances 25.90% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300084 Stay on top of your credit score. Monitor your credit score with CreditWise* built right into the Capital One* mobile app. EFTA00123746

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Page 1 of 4 . Platinum MasterCard Account Ending in I Aug. 16, 2017 - Sep. 15, 2017 | 31 days in Billing Cycle Payment In ation Account Summary Payment Due Date For online and phone payments, Previous Balance $790.59 the deadline is 8pm ET. Oct. 1 2, 20 1 7 Payments - $530.00 New Balance Minimum Payment Due Other Credits $0.00 $567. 12 $22.00 Transactions + $292.62 LATE PAYMENT WARNING: If we do not receive your minimum payment Cash Advances + $0.00 by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $13.91 longer to pay off your balance. For example: New Balance = $567.12 Credit Limit $750.00 Available Credit (as of Sep. 15, 2017) $182.88 Minimum Payment 7 Years $1,163 7 Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call [i Available Credit for Cash Advances $100.00 300086 > 4 Get the app designed to save time. Effortlessly manage your account on the go with the Capital One” mobile app. Account Notifications @ __ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: EE or www_dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalane.com. Customer Service: (J =| See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to 7 ensure your payment is processed promptly. Allow at least seven business days for delivery. Pay your bill on the go. Payment Due Date: Oct. 12, 2017 Account Ending in [i Pay your bill securely and New Balance Minimum Payment Due Amount Enclosed yom ° ns Wits we ‘apital One* mobile app. $567.12 $22.00 $e BROOKLYN, NY 11234-4029 Copital one Bank (USA), WA. hal Carol Streams IL bOL97-b492 oT ots aT TU EFTA00123747

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123748

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Transactions HR GE. Payments, credits and Adjustments Date Description Amount Aug 23 = Cap 1 ElecPhonePmt VRUAuthDate 23-AUG - $100.00 Aug 29 — CAPITAL ONE ONLINE PYMTAuthDate - $280.00 29-AUG Sep1l Cap 1 ElecPhonePmt VRUAuthDate 11-SEP - $150.00 Date Description Amount Aug30 AMAZON MKTPLACE $9.37 PMTSAMZN.COM/BILLWA Aug 30 AMAZON MKTPLACE $23.78 PMTSAMZN.COM/BILLWA Aug 31 POPEYES CHICKEN #1BROOKLYNNY $21.78 Aug 31 WALGREENS #2650BROOKLYNNY $20.97 Aug 31 $211.62 PSGR: MISS ORIG: LGA, DEST: YYZ CARRIER: WS SVC: | ORIG: YYZ, DEST: LGA S/O: O CARRIER: WS SVC: | Sep 1 BURGER KING #4723 QO7BROOKLYNNY $5.10 a 101 $292.62 Total Transactions for This Period $292.62 Date Description Amount $0.00 Total Fees for This Period Interest Charge on Purchases $13.91 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $13.91 Total Fees charged in 2017 $29.50 Total Interest charged in 2017 $49.49 Page 2 of 4 Platinum MasterCard Account Ending in Aug. 16, 2017 - Sep. 15, 2017 | 31 days in Billing Cycle Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 23.90% P $685.37 $13.91 Cash Advances 25.90% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300085 Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CreditWise’—built right into the Capital One® mobile app. EFTA00123749

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Rev. 07/2017 BR402832 RV600273 M-122663 ae 4 201245 CapitalOne WHAT DOES CAPITAL ONE® DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: « Social Security number and income + Account balances and payment history + Account transactions and credit card or other debt All financial companies need to share customers’ personal information to run their everyday 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 share? Can you limit this sharing? Reasons we can share your personal information For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and YES legal investigations, or report to credit bureaus NO For our marketing purposes — to offer our products and services to you For joint marketing with other financial companies For our affiliates’ everyday business purposes — information about your transactions and experiences For our affiliates’ everyday business purposes — information about your creditworthiness For our affiliates to market to you For nonaffiliates to market to you + nt Call us toll free t EE and one of 0 r representatives will e your To limit our (iyi ur representatives will update you . privacy choices. sharing Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. If you're an existing customer and have opted out previously, you don’t need to update your privacy choices again. When you are no /onger our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |Questions? | Go to capitalone.com/privacy or capitalone.com/contactus. Please Recycle EFTA00123750

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ee 2 Who we are Who is providing this notice? Our affiliates include financial companies with the Capital One, Chevy Chase, Onyx, Paribus, and Greenpoint names, such as Capital One Bank (USA), National Association; and Capital One, National Association. What we do How does Capital One To protect your personal information from unauthorized access and use, we protect my personal use security measures that comply with federal law. These measures include information? computer safeguards and secured files and buildings. How does Capital One collect my | We collect your personal information, for example, when you: personal information? + Open an account or deposit money + Pay your bills or apply for a loan + Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can’t | 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 | limit Your choices will apply to everyone on your account. sharing for an account I hold jointly with someone else? Definitions Companies related by common ownership or control. They can be financial and nonfinancial companies. + Our affiliates include financial companies with the Capital One, Chevy Chase, Onyx, Paribus, and Greenpoint names, such as Capital One Bank (USA), National Association; and Capital One, National Association. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. + Nonaffiliates we share with can include insurance companies, service providers, co-branded partners, retailers, data processors, and advertisers. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. * Our joint marketing partners include companies such as other banks and insurance companies. Other important information CA and VT Residents: We will not share 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. jotice provided pursuant to state law. To be placed on our internal Do Not Call List, call id like more information about tel j i ay contact us at Capital One, Salt Lake City, UT 84130-0285 or j contact Bureau of Consumer Protecti i Nevad Las Vegas, NV 89101; Phone number: ; e-mail: Telephone Communications: Al! telephone communications with us or our authorized agents may be monitored or recorded. © 2017 Capital One. Capital One is a federally registered service mark. EFTA00123751

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Page 1 of 2 , Platinum MasterCard Account Ending in I Sep. 16, 2017 - Oct. 15, 2017 | 30 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $567.12 Nov. 1 2, 20 1 7 the deadline is 8pm ET. Payments $0.00 New Balance Minimum Payment Due Other Credits $0.00 $597 42 $60.00 Transactions + $0.00 Cash Advances + $0.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $19.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $11.30 longer to pay off your balance. For example: New Balance = $597.42 Credit Limit $750.00 Available Credit (as of Oct. 15, 2017) $152.58 Minimum Payment 8 Years $1,220 . Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call Available Credit for Cash Advances $100.00 300080 f) Visit capitalone.com to make a payment today. Account Notifications ZX __ For questions about this account, please give us a call at @ _New York residents may contact the New York State Department of 1-800-955-6600. We'll be glad to help you Monday through Friday from Financial Services to obtain a comparative listing of credit card rates, 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. fees, and grace periods. Contact the New York State Department of ET. Financial Services: GE or www.dfs.ny.gov. Additional notifications on page 2 Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: (=| See reverse for Important Information Please send us this portion of your statement and only one check (or one money order) to a ensure your payment is processed promptly. Allow at least seven business days for delivery. 400031 Manage your account Payment Due Date: Nov. 12, 2017 Account Ending in J on your time. _ You can access account information New Balance Minimum Payment Due Amount Enclosed on our secure website anytime, 24/7. BROOKLYN, NY 11234-4029 Copital one Bank (USA). WA. hal Carol Stream, IL bOL97?-b452 oT ets aT Te EFTA00123752

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123753

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Transactions HR GE. Payments, credits and Adjustments Date Description Amount BE BE Transactions Date Description Amount Date Description Amount Oct 12 PAST DUE FEE $19.00 Total Fees for This Period $19.00 Interest Charge on Purchases $11.30 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $11.30 Total Fees charged in 2017 $48.50 Total Interest charged in 2017 $60.79 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 23.90% P $575.07 $11.30 Cash Advances 25.90% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Additional Account Notifications @ 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. Page 2 of 2 Platinum MasterCard Account Ending in Sep. 16, 2017 - Oct. 15, 2017 | 30 days in Billing Cycle , Manage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One* mobile app. EFTA00123754

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Capital he Page 1 of 2 Platinum MasterCard Account Ending in I Oct. 16, 2017 - Nov. 15, 2017 | 31 days in Billing Cycle Payment In ation Account Summary Payment Due Date Dec. 12, 2017 For online and phone payments, the deadline is 8pm ET. New Balance $604.86 Minimum Payment Due $20.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Minimum Payment 8 Years $1,289 $24 3 Years $853 Estimated savings if balance is paid off in about 3 years: $436 If you would like information about credit counseling services, call [i Previous Balance $597.42 Payments - $400.00 Other Credits - $0.10 Transactions + $395.85 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $11.69 New Balance = $604.86 Credit Limit $750.00 Available Credit (as of Nov. 15, 2017) $145.14 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 Protect your credit score. Detect fraud with automatic alerts if your credit report changes 300085 with CreditWise’—built right into the Capital One* mobile app. Account Notifications @ __ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Payment Due Date: Dec. 12, 2017 Customer Service: Please send us this portion of your statement and only one check (or one money order} to q ensure your payment is processed promptly. Allow at least seven business days for delivery. Account Ending in See reverse for Important Information Pay your bill New Balance $604.86 Minimum Payment Due BROOKLYN, NY 11234-4029 Amount Enclosed $20.00 $0 on the go. Pay your bill securely and review transactions with the Capital One* mobile app. — One Bank (USA)»+ N-A- Carol Stream, IL bO1L97-b492 EFTA00123755

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123756

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Transactions Page 2 of 2 Platinum MasterCard Account Ending in Oct. 16, 2017 - Nov. 15, 2017 | 31 days in Billing Cycle Transactions Continued Visit www.capitalone.com to see detailed transactions. Ee a. Payments, Credits and Adjustments Date Description Amount Oct 15 CAPITAL ONE ONLINE PYMTAuthDate $150.00 15-Oct Oct 15 INTEREST CHARGE ADJUSTMENT $0.10 Nov 1 CAPITAL ONE ONLINE PYMTAuthDate $150.00 30-Oct Nov 13 CAPITAL ONE ONLINE PYMTAuthDate $100.00 12-Nov BE BE Tansactions Date Description Amount Oct 18 RITE AID STORE - 4935BROOKLYNNY $4.93 Oct 18 MCDONALD'S F4731BROOKLYNNY $21.44 Oct 30 Cheap ix" $7.49 Oct 30 AMERICAN $114.18 PSGR: ORIG: LGA, DEST: YYZ 0: O CARRIER: AA SVC: S Oct 30 WESTJET $110.96 PSGR: ORIG: YYZ, DEST: LGA CARRIER: WS SVC: | Nov 2 MALSON’S JEWELRY KINGSBROOKLYNNY $70.00 Nov 6 AMAZON MKTPLACE $66.85 PMTSAMZN.COM/BILLWA a 1012 $395.85 Total Transactions for This Period $395.85 Fees Date Description Amount Total Fees for This Period $0.00 Interest Charged Interest Charge on Purchases $11.69 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $11.69 2017 Totals Year-to-Date Total Fees charged in 2017 $48.50 Total Interest charged in 2017 $72.38 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 23.90% P $575.65 $11.69 Cash Advances 25.90% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. > 30086 Get the app designed to save time. Effortlessly manage your account on the go with the Capital One* mobile app. Text ONE to 80101 to download the app. Messaging & Data rates may apply. EFTA00123757

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Page 1 of 2 . Platinum MasterCard Account Ending in I Nov. 16, 2017 - Dec. 15, 2017 | 30 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $604.86 Jan . 1 2 , 20 1 8 the deadline is 8pm ET. Payments - $200.00 New Balance Minimum Payment Due Other Credits $0.00 $734.14 $22.00 Transactions + $317.00 LATE PAYMENT WARNING: If we do not receive your minimum payment Cash Advances + $0.00 by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $12.28 longer to pay off your balance. For example: New Balance = $734.14 Credit Limit $750.00 Available Credit (as of Dec. 15, 2017) $15.86 _ Minimum Payment _10 Years | $1,697 | Cash Advance Credit Limit $100.00 $29 3 Years $1,036 Available Credit for Cash Advances $15.86 Estimated savings if balance is paid off in about 3 years: $661 If you would like information about credit counseling services, call [i Manage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One* mobile app. Account Notifications @ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: EE or www_dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: (J =| See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to 7 ensure your payment is processed promptly. Allow at least seven business days for delivery. 400038 Get the app designed to save time. Payment Due Date: Jan. 12, 2018 Account Ending in Effortlessly manage your . account on the go with New Balance Minimum Payment Due Amount Enclosed the Capital One® mobile app. $734.14 $22.00 $e BROOKLYN, NY 11234-4029 Copital one Bank (USA), WA. hal Carol Stream, IL bOL97-b492 ST es a TD ee ee EFTA00123758

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123759

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Transactions HR GE. Payments, Credits and Adjustments Date Description Amount Nov 29 = CAPITAL ONE ONLINE PYMTAuthDate - $200.00 28-Nov SS BE: Fansactions Date Description Amount Nov 23 SEPHORA.COM877-SEPHORACA $36.58 Nov 24 CARON SHOES BOUTIQUE $72.68 109083525074NJ Dec 5 DAYS INN & SUITESALBANYNY $50.87 ARRIVE: 12/04/17 DEPART: 12/05/17 FOLIO#: PH#: Dec 10 KEY FOODS #1460BROOKLYNNY $104.37 Dec 12 TOLLS BY MAIL800-333-8655NY $52.50 a 10121 $317.00 Total Transactions for This Period $317.00 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $12.28 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $12.28 Total Fees charged in 2017 $48.50 Total Interest charged in 2017 $84.66 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 23.90% P $625.25 $12.28 Cash Advances 25.90% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Page 2 of 2 Platinum MasterCard Account Ending in Nov. 16, 2017 - Dec. 15, 2017 | 30 days in Billing Cycle 300084 Stay on top of your credit score. Monitor your credit score with CreditWise* built right into the Capital One* mobile app. EFTA00123760

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Capital he Page 1 of 2 Platinum MasterCard Account Ending in Dec. 16, 2017 - Jan. 15, 2018 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, the deadline is 8pm ET. Feb. 12, 2018 ° New Balance Minimum Payment Due $569.19 $22.00 by your due date, you may have to pay a late fee of up to $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Minimum Payment 7 Years $1,179 LATE PAYMENT WARNING: If we do not receive your minimum payment If you would like information about credit counseling services, call Previous Balance $734.14 Payments - $300.00 Other Credits $0.00 Transactions + $120.81 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $14.24 New Balance = $569.19 Credit Limit $750.00 Available Credit (as of Jan. 15, 2018) $180.81 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 300086 me | Get the app designed to save time. Effortlessly manage your account on the go with the Capital One” mobile app. Account Notifications @ __ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: SE or www_dfs.ny.gov. Pay or manage your account on our mobile app or at www.cap talone.com. Customer Service: (= See reverse for Important Information Please send us this portion of your statement and only one check (or one money order) to 7 ensure your payment is processed promptly. Allow at least seven business days for delivery. Pay your bill on the go. Payment Due Date: Feb. 12, 2018 Account Ending in Pay your bill securely and New Balance Minimum Payment Due Amount Enclosed yom a ows ne ‘apital One* mobile app. $569.19 $22.00 $0 BROOKLYN, NY 11234-4029 — One Bank (USA), N-A- Carol Stream, IL bOL97-b452 oT ty a TU Se EFTA00123761

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123762

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Transactions HR GE. Payments, Credits and Adjustments Date Description Amount Dec 26 = CAPITAL ONE ONLINE PYMTAuthDate - $150.00 26-Dec Jan 12 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 12-Jan ES GT ransactions Date Description Amount Dec 28 AMAZON MKTPLACE PMTS $41.80 WWWW.AMAZON.COWA Dec 28 AMAZON MKTPLACE $41.99 PMTSAMZN.COM/BILLWA Dec 28 CARON SHOES BOUTIQUE $37.02 109083525074NJ ES 10:21 $120.81 Total Transactions for This Period $120.81 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $14.24 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $14.24 Total Fees charged in 2017 $0.00 Total Interest charged in 2017 $14.24 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.15% P $694.29 $14.24 Cash Advances 26.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Page 2 of 2 Platinum MasterCard Account Ending in Dec. 16, 2017 - Jan. 15, 2018 | 31 days in Billing Cycle 300084 Stay on top of your credit score. Monitor your credit score with CreditWise” built right into the Capital One* mobile app. EFTA00123763

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Page 1 of 2 . Platinum MasterCard Account Ending in I Jan. 16, 2018 - Feb. 15, 2018 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $569.19 M ar. 1 2, 20 18 the deadline is 8pm ET. Payments "$767.21 New Balance Minimum Payment Due Other Credits $0.00 $689 . 50 $ 1 5.00 Transactions + $882.32 LATE PAYMENT WARNING: If we do not receive your minimum payment Cash Advances + $0.00 by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $5.20 longer to pay off your balance. For example: New Balance = $689.50 Credit Limit $750.00 Available Credit (as of Feb. 15, 2018) $60.50 __Minimum Payment _9 Years | $1,583 | Cash Advance Credit Limit $100.00 $27 3 Years $976 Available Credit for Cash Advances $60.50 Estimated savings if balance is paid off in about 3 years: $607 If you would like information about credit counseling services, call [i Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. Account Notifications @ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: EE or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: (= See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to 7 ensure your payment is processed promptly. Allow at least seven business days for delivery. 400038 Get the app designed to save time. Payment Due Date: Mar. 12, 2018 Account Ending in J Effortlessly manage your . account on the go with New Balance Minimum Payment Due Amount Enclosed the Capital One® mobile app. $689.50 $15.00 $ BROOKLYN, NY 1L234-4029 Copital one Genk (USA). WA. Wha Carol Stream, IL bOL97-b492 ST ts aT TU eS EFTA00123764

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123765

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Transactions Page 2 of 2 Platinum MasterCard Account Ending in Jan. 16, 2018 - Feb. 15, 2018 | 31 days in Billing Cycle Transactions Continued HR GE. Payments, credits and Adjustments Date Description Amount Jan 29 CAPITAL ONE ONLINE PYMTAuthDate - $400.00 29-Jan Jan 31 CAPITAL ONE ONLINE PYMTAuthDate - $267.21 31-Jan Feb7 CAPITAL ONE ONLINE PYMTAuthDate - $100.00 07-Feb HS GE: Transactions Date Description Amount Jan 17 ALBANY PARKING AUTHORIALBANYNY $0.25 Jan 17 ALBANY PARKING AUTHORIALBANYNY $2.50 Jan 18 ALBANY PARKING AUTHORIALBANYNY $0.25 Jan 18 ALBANY PARKING AUTHORIALBANYNY $0.25 Jan 18 ALBANY PARKING AUTHORIALBANYNY $2.50 Jan 20 PETROCANSCARBOROUGHON $55.31 68.74 CAD 1.242813234 Exchange Rate Jan 21 EXXONMOBIL 97360267PORT BYRONNY $32.71 Jan 22 ALBANY PARKING AUTHORIALBANYNY $4.25 Feb 2 UNIVERSITY CLUB ALBALBANYNY $667.98 Feb 6 AMAZON MKTPLACE $42.23 PMTSAMZN.COM/BILLWA Feb 6 WM SUPERCENTER #3583GLENMONTNY $35.76 Feb 11 SUNOCO 0042306102 QPSCLIFTON $38.33 SPRINNY To $882.32 Total Transactions for This Period $882.32 rr Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $5.20 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $5.20 Total Fees charged in 2018 Total Interest charged in 2018 $0.00 $19.44 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.15% P $253.54 $5.20 Cash Advances 26.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300085 Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CreditWise’—built right into the Capital One* mobile app. EFTA00123766

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Capital he Page 1 of 2 Platinum MasterCard Account Ending in I Feb. 16, 2018 - Mar. 15, 2018 | 28 days in Billing Cycle Payment Information Account Summary Payment Due Date Apr. 12, 2018 For online and phone payments, the deadline is 8pm ET. New Balance $557.91 Minimum Payment Due $15.00 by your due date, you may have to pay a late fee of up to $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Minimum Payment 7 Years $1,155 LATE PAYMENT WARNING: If we do not receive your minimum payment $22 3 Years $790 Estimated savings if balance is paid off in about 3 years: $365 If you would like information about credit counseling services, call [i Previous Balance $689.50 Payments - $839.50 Other Credits $0.00 Transactions + $707.91 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance = $557.91 Credit Limit $750.00 Available Credit (as of Mar. 15, 2018) $192.09 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 built right into the Capital One* mobile app. Account Notifications @ __ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Payment Due Date: Apr. 12, 2018 Customer Service: Please send us this portion of your statement and only one check (or one money order} to 7 ensure your payment is processed promptly. Allow at least seven business days for delivery. Account Ending in 300084 Stay on top of your credit score. Monitor your credit score with CreditWise* See reverse for Important Information Pay your bill New Balance $557.91 Minimum Payment Due BROOKLYN, NY 11234-4029 Amount Enclosed $15.00 $0 — One Bank (USA)»+ N-A- Carol Stream, IL bOL97-b492 on the go. Pay your bill securely and review transactions with the Capital One* mobile app. eS EFTA00123767

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123768

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Page 2 of 2 , Platinum MasterCard Account Ending in Feb. 16, 2018 - Mar. 15, 2018 | 28 days in Billing Cycle 300086 Get the app designed to save time. Effortiessly manage your account on the go with Transactions the Capital One” mobile app. HR GE. Payments, credits and Adjustments Date Description Amount Feb 27 ~~ CAPITAL ONE ONLINE PYMTAuthDate - $689.50 27-Feb Mar 13 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 13-Mar HS GE. Transactions Date Description Amount Feb 27 WAL-MART #3583GLENMONTNY $52.37 Mar 2 UNIVERSITY CLUB ALBALBANYNY $655.54 a 1012 $707.91 Total Transactions for This Period $707.91 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 Total Fees charged in 2018 $0.00 Total Interest charged in 2018 $19.44 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.15% P $0.00 $0.00 Cash Advances 26.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. EFTA00123769

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Page 1 of 2 . Platinum MasterCard Account Ending in Mar. 16, 2018 - Apr. 15, 2018 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $557.91 M ay 1 2 ’ 20 18 the seedlings Sem ET Payments - $557.91 New Balance Minimum Payment Due Other Credits $0.00 $655.54 $ 1 5.00 Transactions + $655.54 LATE PAYMENT WARNING: If we do not receive your minimum payment Cash Advances + $0.00 by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $0.00 longer to pay off your balance. For example: New Balance = $655.54 Credit Limit $750.00 Available Credit (as of Apr. 15, 2018) $94.46 _Minimum Payment _9 Years | $1,490 | Cash Advance Credit Limit $100.00 $26 3 Years $931 Available Credit for Cash Advances $94.46 Estimated savings if balance is paid off in about 3 years: $559 If you would like information about credit counseling services, call [i Manage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One® mobile app. Account Notifications @ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: ENE or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: (= See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to . ensure your payment is processed promptly. Allow at least seven business days for delivery. Make a statement. Payment Due Date: May 12, 2018 Account Ending in || Go paperless. Stop waiting for your bill to arrive New Balance Minimum Payment Due Amount Enclosed inthe mail and go paperless today. $655.54 $15.00 $0 BROOKLYN, NY 1L234-4029 Copital one Bank (USA). WA. Wha Carol Stream, IL bOL97-b452 ee ete elle eS EFTA00123770

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123771

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Transactions HR GE. Payments, Credits and Adjustments Date Description Amount Mar 31 CAPITAL ONE ONLINE PYMTAuthDate - $557.91 31-Mar ES BE: Fansactions Date Description Amount Apr 3 UNIVERSITY CLUB ALBALBANYNY $655.54 a 10121 $655.54 Total Transactions for This Period $655.54 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 Total Fees charged in 2018 $0.00 Total Interest charged in 2018 $19.44 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.40% P $0.00 $0.00 Cash Advances 26.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Page 2 of 2 Platinum MasterCard Account Ending in Mar. 16, 2018 - Apr. 15, 2018 | 31 days in Billing Cycle 300085 Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CreditWise”—built right into the Capital One* mobile app. EFTA00123772

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Page 1 of 3 , Platinum MasterCard Account Ending in Apr. 16, 2018 - May 15, 2018 | 30 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $655.54 the deadline is 8pm ET. Jun. 12, 2018 Payments - $805.54 New Balance Minimum Payment Due Other Credits $0.00 $533.65 $20.00 Transactions + $655.54 LATE PAYMENT WARNING: If we do not receive your minimum payment Cash Advances + $0.00 by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $15.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $13.11 ff l . le: longer to pay off your balance. For example: New Balance = $533.65 Credit Limit $750.00 Available Credit (as of May 15, 2018) $216.35 __Minimum Payment _7 Years | $1,079 | Cash Advance Credit Limit $100.00 $21 3 Years $758 Available Credit for Cash Advances $100.00 Estimated savings if balance is paid off in about 3 years: $321 If you would like information about credit counseling services, call [i Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. Account Notifications @ New York residents may contact the New York State Department of @ This statement includes a notice of important changes to your account Financial Services to obtain a comparative listing of credit card rates, terms. fees, and grace periods. Contact the New York State Department of Financial Services: EE or www.dfs.ny.gov. Additional notifications on page 1 Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: (J = See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to 7 ensure your payment is processed promptly. Allow at least seven business days for delivery. 400038 Get the app designed to save time. Payment Due Date: Jun. 12, 2018 Account Ending in J Effortlessly manage your . account on the go with New Balance Minimum Payment Due Amount Enclosed the Capital One® mobile app. $533.65 $20.00 $ BROOKLYN, NY 1L234-4029 Copital one Bank (USA), WA. hal Carol Stream, IL bOL97-b492 oT ots a TU eS EFTA00123773

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123774

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Transactions HR GE. Payments, credits and Adjustments Date Description Amount Apr 30 CAPITAL ONE ONLINE PYMTAuthDate - $655.54 30-Apr May 14 — CAPITAL ONE ONLINE PYMTAuthDate - $150.00 14-May HS GE. Transactions Date Description Amount Apr 30 Returned Online ACH Payment $655.54 a 101! $655.54 Total Transactions for This Period $655.54 Date Description Amount May 12 PAST DUE FEE $15.00 Total Fees for This Period $15.00 Interest Charge on Purchases $13.11 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $13.11 Total Fees charged in 2018 $15.00 Total Interest charged in 2018 $32.55 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.40% P $653.93 $13.11 Cash Advances 26.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Page 2 of 3 Platinum MasterCard Account Ending in I Apr. 16, 2018 - May 15, 2018 | 30 days in Billing Cycle Additional Account Notifications You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. 300086 Get the app designed to save time. Effortiessly manage your account on the go with the Capital One” mobile app. EFTA00123775

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- 201269 Regarding your account ending “_@ Important Notice of a Change in Terms Please review the Important Change to Your Account Terms below and keep this information for your records. All other account terms and conditions are unchanged. Important Changes to Your Account Terms The following change to the Late Payment Fee will take effect on July 22, 2018. You have the right to reject this change until 8 p.m. ET on July 21, 2018 by calling 1-877-282-0513. If you reject this change, your account will be closed. Revised Terms, as of July 2 Late Payment Fee Up to $38. Late payment fees will be based on the amount of the minimum payment due and whether the account was late during the previous six billing cycles If you have questions about this change, please call us at fr between 8 a.m. and 8 p.m. ET. EFTA00123776

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Capital he Page 1 of 2 Platinum MasterCard Account Ending in I May 16, 2018 - Jun. 15, 2018 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date Jul. 12, 2018 For online and phone payments, the deadline is 8pm ET. New Balance $309.35 Minimum Payment Due $15.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Minimum Payment 3 Years $433 If you would like information about credit counseling services, call [i Previous Balance $533.65 Payments - $234.00 Other Credits $0.00 Transactions + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $9.70 New Balance = $309.35 Credit Limit $750.00 Available Credit (as of Jun. 15, 2018) $440.65 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 300084 Stay on top of your credit score. Monitor your credit score with CreditWise* built right into the Capital One* mobile app. Account Notifications @ __New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Capitayhe Payment Due Date: Jul. 12, 2018 Please send us this portion of your statement and only one check (or one money order} to ensure your payment is processed promptly. Allow at least seven business days for delivery. Account Ending in Customer Service: (=| See reverse for Important Information Make a statement. Go paperless. New Balance $309.35 Minimum Payment Due BROOKLYN, NY 11234-4029 Amount Enclosed $15.00 $o Stop waiting for your bill to arrive in the mail and go paperless today. — One Carol Stream, IL bOL97-b492 oT es aT TD — EFTA00123777

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123778

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Page 2 of 2 . Platinum MasterCard Account Ending in May 16, 2018 - Jun. 15, 2018 | 31 days in Billing Cycle Transactions ) Manage your account anywhere, anytime. Pay your bill, set up alerts and more HR GE. Payments, credits and Adjustments / with the Capital One® mobile app. Date Description Amount May 18 CAPITAL ONE ONLINE PYMTAuthDate - $50.00 18-May Jun 12 CAPITAL ONE ONLINE PYMTAuthDate - $184.00 12-Jun HS GT ransactions Date Description Amount Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $9.70 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $9.70 Total Fees charged in 2018 $15.00 Total Interest charged in 2018 $42.25 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.40% P $468.05 $9.70 Cash Advances 26.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. EFTA00123779

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Capital he Page 1 of 2 Platinum MasterCard Account Ending in I May 16, 2018 - Jun. 15, 2018 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date Jul. 12, 2018 For online and phone payments, the deadline is 8pm ET. New Balance $309.35 Minimum Payment Due $15.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Minimum Payment 3 Years $433 If you would like information about credit counseling services, call [i Previous Balance $533.65 Payments - $234.00 Other Credits $0.00 Transactions + $0.00 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $9.70 New Balance = $309.35 Credit Limit $750.00 Available Credit (as of Jun. 15, 2018) $440.65 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 300084 Stay on top of your credit score. Monitor your credit score with CreditWise* built right into the Capital One* mobile app. Account Notifications @ __New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Capitayhe Payment Due Date: Jul. 12, 2018 Please send us this portion of your statement and only one check (or one money order} to ensure your payment is processed promptly. Allow at least seven business days for delivery. Account Ending in Customer Service: (=| See reverse for Important Information Make a statement. Go paperless. New Balance $309.35 Minimum Payment Due BROOKLYN, NY 11234-4029 Amount Enclosed $15.00 $o Stop waiting for your bill to arrive in the mail and go paperless today. — One Carol Stream, IL bOL97-b492 oT es aT TD — EFTA00123780

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123781

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Page 2 of 2 . Platinum MasterCard Account Ending in May 16, 2018 - Jun. 15, 2018 | 31 days in Billing Cycle Transactions ) Manage your account anywhere, anytime. Pay your bill, set up alerts and more HR GE. Payments, credits and Adjustments / with the Capital One® mobile app. Date Description Amount May 18 CAPITAL ONE ONLINE PYMTAuthDate - $50.00 18-May Jun 12 CAPITAL ONE ONLINE PYMTAuthDate - $184.00 12-Jun HS GT ransactions Date Description Amount Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $9.70 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $9.70 Total Fees charged in 2018 $15.00 Total Interest charged in 2018 $42.25 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.40% P $468.05 $9.70 Cash Advances 26.40% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. EFTA00123782

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Page 1 of 2 . Platinum MasterCard Account Ending in I Jun. 16, 2018 - Jul. 15, 2018 | 30 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $309.35 Aug. 1 2, 20 18 the deadline is 8pm ET. Payments "$200.00 New Balance Minimum Payment Due Other Credits $0.00 $2 15.54 $ 15.00 Transactions + $98.67 LATE PAYMENT WARNING: If we do not receive your minimum payment Cash Advances + $0.00 by your due date, you may have to pay a late fee of up to $19.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $7.52 longer to pay off your balance. For example: New Balance = $215.54 Credit Limit $750.00 Available Credit (as of Jul. 15, 2018) $534.46 Minimum Payment 22 Month(s) $268 Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call [i Available Credit for Cash Advances $100.00 Your annual fee of $29 will be charged on your 08/2018 statement. Ma nage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One* mobile app. Account Notifications @ __ New York residents may contact the New York State Department of @ __ Renewal Notice - Your 08/2018 bill will include your $29.00 annual Financial Services to obtain a comparative listing of credit card rates, membership fee. The reverse of this page explains how you may close fees, and grace periods. Contact the New York State Department of your account and avoid this fee. Both sides of this page provide Financial Services: EE or www_dfs.ny.gov. important information about your rate(s) and how your interest charge is calculated. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: (= See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to 7 ensure your payment is processed promptly. Allow at least seven business days for delivery. Pay your bill on the go. Payment Due Date: Aug. 12, 2018 Account Ending in J Pay your bill securely and New Balance Minimum Payment Due Amount Enclosed yom S new he ‘apital One* mobile app. $215.54 $15.00 $ BROOKLYN, NY 11234-4024 Copital one What Carol Stream, IL bOL97-b492 oT ots aT TU eS EFTA00123783

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123784

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Transactions HR GE. Payments, Credits and Adjustments Date Description Amount Jul 11 CAPITAL ONE ONLINE PYMTAuthDate - $200.00 1l-Jul ES BE: Transactions Date Description Amount Jun 18 AMAZON MKTPLACE PMTS $77.35 WWWW.AMAZON.COWA jun 19 AMAZON MKTPLACE PMTS $13.34 WWWW.AMAZON.COWA Jun 19 GOOGLE *YouTube Videosg.co/helppay#CA $2.99 Jun 19 AMOYE.NET13027224141GBR $1.00 Jun 19 AMAZON DIGITAL SVCS $3.99 88888-802-3080WA a 1211 $98.67 Total Transactions for This Period $98.67 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $7.52 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $7.52 Total Fees charged in 2018 $15.00 Total Interest charged in 2018 $49.77 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage ‘Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.65% P $371.23 $7.52 Cash Advances 26.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Page 2 of 2 Platinum MasterCard Account Ending in Jun. 16, 2018 - Jul. 15, 2018 | 30 days in Billing Cycle Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. EFTA00123785

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Page 1 of 2 , Platinum MasterCard Account Ending in I Jul. 16, 2018 - Aug. 15, 2018 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $215.54 Sep. 12, 20 18 the deadline is 8pm ET. Payments 9015.54 New Balance Minimum Payment Due Other Credits ~ $13.06 $262.76 $ 1 5.00 Transactions + $242.84 LATE PAYMENT WARNING: If we do not receive your minimum payment Cash Advances + $0.00 by your due date, you may have to pay a late fee of up to $38.00. Fees Charged + $29.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $3.98 longer to pay off your balance. For example: New Balance = $262.76 Credit Limit $750.00 Available Credit (as of Aug. 15, 2018) $487.24 Minimum Payment 2 Years $346 Cash Advance Credit Limit $100.00 If you wauld like information about credit counseling services, call [i Available Credit for Cash Advances $100.00 Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. Account Notifications @ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: EE or www_dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: (J = See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to " ensure your payment is processed promptly. Allow at least seven business days for delivery. 400038 Get the app designed to save time. Payment Due Date: Sep. 12, 2018 Account Ending in [i Effortlessly manage your . account on the go with New Balance Minimum Payment Due Amount Enclosed the Capital One® mobile app. $262.76 $15.00 $ BROOKLYN, NY 11234-4024 opital one Wha Carol Stream, IL bOL97-b492 ts aT TU eS EFTA00123786

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123787

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Transactions HR Payments, Credits and Adjustments Date Description Amount Aug1l1 BURLNGTON STORES827BROOKLYNNY - $13.06 Aug12 CAPITAL ONE ONLINE PYMTAuthDate - $215.54 12-Aug MES EE: Transactions Date Description Amount Jul 15 AMAZON MKTPLACE PMTS $45.80 WWWW.AMAZON.COWA Jul 23 SP * THEPERFECTSCULPT2012995387NJ $21.88 Aug10 JCPENNY 0227BROOKLYNNY $50.85 Aug 11 BURLINGTON STORES 1101BROOKLYNNY $124.31 1012 $242.84 Total Transactions for This Period $242.84 Date Description Amount Aug15 CAPITAL ONE MEMBER FEE $29.00 Total Fees for This Period $29.00 Interest Charge on Purchases $3.98 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $3.98 Total Fees charged in 2018 $44.00 Total Interest charged in 2018 $53.75 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.65% P $189.89 $3.98 Cash Advances 26.65% P $0.00 $0.00 P.L.D,F = Variable Rate. See reverse of page 1 for details. Page 2 of 2 Platinum MasterCard Account Ending in Jul. 16, 2018 - Aug. 15, 2018 | 31 days in Billing Cycle 300085 Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CreditWise”—built right into the Capital One* mobile app. EFTA00123788

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Capital he Payment Information Payment Due Date For online and phone payments, the deadline is 8pm ET. Oct. 12, 2018 ° New Balance Minimum Payment Due $302.50 $15.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $38.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Minimum Payment 3 Years $421 If you would like information about credit counseling services, call Page 1 of 2 Platinum MasterCard Account Ending in Aug. 16, 2018 - Sep. 15, 2018 | 31 days in Billing Cycle Account Summary Previous Balance $262.76 Payments - $262.76 Other Credits $0.00 Transactions + $302.50 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance = $302.50 Credit Limit $750.00 Available Credit (as of Sep. 15, 2018) $447.50 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 300085 Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CreditWise’—built right into the Capital One* mobile app. Account Notifications @ __ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: EE or www_dfs.ny.gov. Pay or manage your account on our mobile app or at www.cap talone.com. Customer Service: (= See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to 7 ensure your payment is processed promptly. Allow at least seven business days for delivery. Make a statement. Payment Due Date: Oct. 12, 2018 Account Ending in | | Go paperless. Stop waiting for your bill to arrive New Balance Minimum Payment Due Amount Enclosed in the mail and go paperless today. $302.50 $15.00 $ BROOKLYN, NY 11234-4029 — One Carol Streams IL bOL97-b492 oT ots aT TU Se EFTA00123789

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1.First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each segment. 3.At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can | Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below, and return this coupon with your payment. Please print using blue or black ink. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. © Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but f you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, IS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging into your account; 5 Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. — Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123790

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Transactions HE GE. Payments, Credits and Adjustments Date Description Amount Sep 6 CAPITAL ONE ONLINE PYMTAuthDate - $262.76 05-Sep SS BE: Transactions Date Description Amount Aug 18 BURLINGTON STORES 1101BROOKLYNNY $55.10 Aug26 = YAHAIRA INC2123007428NY $109.97 Aug30 AMZN MKTP US $26.94 AMZN.COM/AMZN.COM/BILLWA Sep 12 BURLINGTON STORES 1101BROOKLYNNY $110.49 a 121! $302.50 Total Transactions for This Period $302.50 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 Total Fees charged in 2018 $44.00 Total Interest charged in 2018 $53.75 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.65% P $0.00 $0.00 Cash Advances 26.65% P $0.00 $0.00 P.L.D,F = Variable Rate. See reverse of page 1 for details. Page 2 of 2 Platinum MasterCard Account Ending in Aug. 16, 2018 - Sep. 15, 2018 | 31 days in Billing Cycle Manage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One* mobile app. EFTA00123791

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Capital he Page 1 of 2 Platinum MasterCard Account Ending in I Sep. 16, 2018 - Oct. 15, 2018 | 30 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, the deadline is 8pm ET. Nov. 12, 2018 ° New Balance Minimum Payment Due $504.73 $15.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $38.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Minimum Payment 6 Years $1,001 $20 3 Years $719 Estimated savings if balance is paid off in about 3 years: $282 If you would like information about credit counseling services, call [i Previous Balance $302.50 Payments - $100.00 Other Credits $0.00 Transactions + $294.59 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $7.64 New Balance = $504.73 Credit Limit $750.00 Available Credit (as of Oct. 15, 2018) $245.27 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 Manage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One* mobile app. Account Notifications @) __ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: SE or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Please send us this portion of your statement and only one check (or one money order) to 7 ensure your payment is processed promptly. Allow at least seven business days for delivery. Customer Service: (= See reverse for Important Information Pay your bill on the go. Payment Due Date: Nov. 12, 2018 Account Ending in J Pay your bill securely and New Balance Minimum Payment Due Amount Enclosed oie ? ows ne ‘apital One® mobile app. $504.73 $15.00 $o BROOKLYN, NY 11234-4029 — One Carol Stream, IL bOL97-b452 oT ts a TU — EFTA00123792

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each segment. 3. At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum Interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can I Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address by signing into your account online or calling Customer Service. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but ff you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, INNS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging inte your account; A Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123793

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Transactions Page 2 of 2 Platinum MasterCard Account Ending in Sep. 16, 2018 - Oct. 15, 2018 | 30 days in Billing Cycle Interest Charge Calculation Visit www.capitalone.com to see detailed transactions. es ee. Payments, Credits and Adjustments Date Description Amount Sep 23 CAPITAL ONE ONLINE PYMTAuthDate $50.00 23-Sep Oct 13 CAPITAL ONE ONLINE PYMTAuthDate $50.00 13-Oct HS BT ansactions Date Description Amount Oct 3 DELTA $169.00 TK#: PSGR: ORIG: JFK, DEST: YYZ S/O: O CARRIER: DL SVC: E Oct 3 DELTA $113.52 TK#: PSGR: ORIG: YYZ, DEST: JFK S/O: O CARRIER: DL SVC: E Oct 4 = Cheap Tx" TS $9.90 Oct 11 Amazon PrimeAmzn.comybillWA $2.17 a 10121 $294.59 Total Transactions for This Period $294.59 | Fees Date Description Amount Total Fees for This Period $0.00 | Interest Charged Interest Charge on Purchases $7.64 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $7.64 Totals Year-to-Date Total Fees charged $44.00 Total Interest charged $61.39 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.65% P $377.24 $7.64 Cash Advances 26.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300084 Stay on top of your credit score. Monitor your credit score with CreditWise* built right into the Capital One" mobile app. Text ONE to 80101 to download the app. Messaging & Data rates may apply. EFTA00123794

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Page 1 of 2 , Platinum MasterCard Account Ending in I Oct. 16, 2018 - Nov. 15, 2018 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $504.73 Dec . 1 2 , 20 18 the deadline is 8pm ET. Payments - $300.00 New Balance Minimum Payment Due Other Credits $0.00 $269.74 $15.00 Transactions + $56.77 LATE PAYMENT WARNING: If we do not receive your minimum payment Cash Advances + $0.00 by your due date, you may have to pay a late fee of up to $38.00. Fees Charged + $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $8.24 longer to pay off your balance. For example: New Balance = $269.74 Credit Limit $750.00 Available Credit (as of Nov. 15, 2018) $480.26 Minimum Payment 2 Years $359 Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call [i Available Credit for Cash Advances $100.00 Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. Account Notifications @ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: EE or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: (J = See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to 7 ensure your payment is processed promptly. Allow at least seven business days for delivery. 400038 Get the app designed to save time. Payment Due Date: Dec. 12, 2018 Account Ending in J Effortlessly manage your . account on the go with New Balance Minimum Payment Due Amount Enclosed the Capital One® mobile app. $269.74 $15.00 $ BROOKLYN, NY 11234-4024 Copital one What Carol Stream, IL bOL97-b492 ST ts aT Te eS EFTA00123795

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each segment. 3. At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum Interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can I Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address by signing into your account online or calling Customer Service. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but ff you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, INNS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging inte your account; A Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123796

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Transactions HR GE. Payments, credits and Adjustments Date Description Amount Oct 20 = CAPITAL ONE ONLINE PYMTAuthDate - $150.00 20-Oct Nov 11 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 10-Nov ES GE. Transactions Date Description Amount Oct 16 PARKING PPLTORONTOON $11.60 15.00 CAD 1.293103448 Exchange Rate Oct 18 = Amazon PrimeAmzn.comvbillWA $14.14 Oct 29 ALBANY PARKING $1.55 AUTHORI518-4348886NY Nov 1 TORONTO PARKING AUTHORTORONTOON $12.24 16.00 CAD 1.307189542 Exchange Rate Nov 2 MAIN PARKING & PAY STATORONTOON $17.24 22.50 CAD 1.305104408 Exchange Rate 1012 $56.77 Total Transactions for This Period $56.77 Amount $0.00 Date Description Total Fees for This Period Interest Charge on Purchases $8.24 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $8.24 $44.00 $69.63 Total Fees charged Total Interest charged Page 2 of 2 Platinum MasterCard Account Ending in Oct. 16, 2018 - Nov. 15, 2018 | 31 days in Billing Cycle Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.65% P $393.59 $8.24 Cash Advances 26.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300085 Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CreditWise"—built right into the Capital One* mobile app. EFTA00123797

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Capital he Page 1 of 2 Platinum MasterCard Account Ending in I Nov. 16, 2018 - Dec. 15, 2018 | 30 days in Billing Cycle Payment Information Account Summary Payment Due Date Jan. 12, 2019 For online and phone payments, the deadline is 8pm ET. New Balance $256.21 Minimum Payment Due $15.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $38.00. MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Minimum Payment 2 Years $335 If you would like information about credit counseling services, call Previous Balance $269.74 Payments - $200.00 Other Credits $0.00 Transactions + $179.57 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $6.90 New Balance = $256.21 Credit Limit $750.00 Available Credit (as of Dec. 15, 2018) $493.79 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 300084 Stay on top of your credit score. Monitor your credit score with CreditWise* built right into the Capital One* mobile app. Account Notifications @ __ New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Capitashe Payment Due Date: Jan. 12, 2019 Please send us this portion of your statement and only one check (or one money order} to ensure your payment is processed promptly. Allow at least seven business days for delivery. Account Ending in Customer Service: (J = See reverse for Important Information Make a statement. Go paperless. New Balance $256.21 Minimum Payment Due BROOKLYN, NY 11234-4029 Amount Enclosed $15.00 $0 Stop waiting for your bill to arrive in the mail and go paperless today. — One Carol Stream, IL bOL97-b492 oT ts aT TD Se EFTA00123798

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How can | Avoid Paying Interest Charges? If you pay your statement's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. For Cash Advances and Special Transfers, we will start charging Interest on the transaction date. Certain promotional offers may allow you to pay less than the total New Balance and avoid paying Interest Charges on new purchases. Please refer to the front of your staternent for additional information. How is the Interest Charge applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe interest Charges even if you pay the entire New Balance for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding segment of your account. Do you assess a Minimum Interest Charge? We may assess a minimum Interest Charge of $0.50 for each Billing Cycle if your account is subject to an Interest Charge. How do you Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions). 1. First, for each segment we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if your previous statement balance was zero or a credit amount, new transactions which post to your purchase segment are not added to the daily balance. 2. Next, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each segment. 3. At the end of each Billing Cycle, we multiply your Average Daily Balance for each segment by the daily periodic rate (APR divided by 365) for that segment, and then we roultiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum Interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin Prime Rate + margin 1 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. low can I Avol p Fees’ ice Is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service no later than 45 days after the last day in the Billing Cycle covered by this statement to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address by signing into your account online or calling Customer Service. 001 How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One Salt Lake City, UT 84130-0285. In your letter, g've us the following information: © Account information: Your name and account number. Dollar ammount: The dollar amount of the suspected error. Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but ff you do we are not required to investigate any potential errors and you may have to pay the amount in question. We will notify you in writing within 30 days of our receipt of your letter. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Within 90 days of our receipt of your latter, we wil send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, the following must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify, and 2) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One, INNS Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 tow do | Make Payments? You may make your payment in several ways: Online Banking by logging inte your account; A Capital One Mobile Banking app for approved electronic devices; 3. Calling the telephone number listed on the front of this statement and providing the required payment information; 4. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. When will you Credit My Payment? e For mobile, online or over the phone, as of the business day we receive it, as long as it is made by 8 p.m. ET. e For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thes statement. Please allow at least seven (7} business days for mail delivery. Maled payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. EFTA00123799

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Transactions es ee. Payments, Credits and Adjustments Date Description Amount Dec 12 CAPITAL ONE ONLINE PYMTAuthDate - $200.00 12-Dec Date Description Amount Nov 18 Amazon PrimeAmzn.comvbillWA $14.14 Nov 27 AMZN Mktp $51.47 US*MO4L74TNOAmzn.comvbill WA Nov 28 AMZN Mktp $49.96 US*MO7G87PCOAmzn.com/billWA Dec 4 JETBLUE $30.00 TK#: 27926045189431 PSGR: S's ORIG: XAA, DEST: XAA CARRIER: B6 SVC: ¥ Dec 10 JETSLUE $34.00 |_| TK#: 279260466 14476 PSGR: i 1s ORIG: XAA, DEST: XAA CARRIER: B6 SVC: ¥ a 1012 $179.57 Total Transactions for This Period $179.57 Date Description Amount $0.00 Total Fees for This Period Interest Charge on Purchases $6.90 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $6.90 Total Fees charged $44.00 Total Interest charged $76.53 Page 2 of 2 Platinum MasterCard Account Ending in Nov. 16, 2018 - Dec. 15, 2018 | 30 days in Billing Cycle Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 24.65% P $340.82 $6.90 Cash Advances 26.65% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Manage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One* mobile app. Text ONE to 80101 to download the app today. Messaging & Data rates may apply. EFTA00123800