Capital he Page 1 of 2 Platinum MasterCard Account Ending in I Dec. 16, 2018 - Jan. 15, 2019 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date Feb. 12, 2019 New Balance Minimum Payment Due $341.07 $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. For online and phone payments, the deadline is 8pm ET. 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 If you would like information about credit counseling services, call 1-888-326-8055. Previous Balance $256.21 Payments - $400.00 Other Credits $0.00 Transactions + $483.06 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $1.80 New Balance = $341.07 Credit Limit $750.00 Available Credit (as of Jan. 15, 2019) $408.93 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 300086 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: 1-877-226-5697 or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.cap talone.com. CapitasOhe Payment Due Date: Feb. 12, 2019 Customer Service: 1-800-903-3637 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 See reverse for Important Information Pay your bill on the go. Pay your bill securely and New Balance $341.07 Minimum Payment Due $15.00 $ Amount Enclosed review transactions with the Capital One* mobile app. Capital One P.O. Box b492 Carol Stream, IL bO1L97-b492 1 5178057737152020 15 0341070400000015000 EFTA00123801

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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 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 rultiply 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 The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. Prime Rate + margin 1 month LIBOR + may bership Fees 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 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 P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: © Account information: Your name and account number. Dollar 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 méstake. 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, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 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; : 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. © For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of 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. EFTA00123802

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Transactions HR Payments, Credits and Adjustments Date Description Amount Dec 26 CAPITAL ONE ONLINE PYMTAuthDate - $400.00 26-Dec ME: transactions Date Description Amount Dec 18 Amazon PrimeAmzn.comvbillWA $14.14 Dec 20 MACYS KINGS PLAZABROOKLYNNY $60.99 Dec 21 BURLINGTON STORES 1101BROOKLYNNY $65.50 Jan 4 EXPEDIA $166.33 740245962546 1LEXPEDIA.COMWA Jan 5 ALDO US #2904CENTRAL VALLENY $44.98 Jan 5 COSMETICS STR@ WOODBURCENTRAL $38.97 VLYNY Jan 5 BEAR MOUNTAIN LODGINGBEAR $10.81 MOUNTAINNY ARRIVE: 01/04/19 DEPART: OL/05/19 FOLIO#: 000003056 PH#: 800-430-7161 Jan 8 AMZN Mktp $34.44 US*M28069WD2Amzn.com/billWA Jan 8 OMNIVISTA HEALTH800-8061492MD $46.90 10:2 $483.06 Total Transactions for This Period $483.06 $0.00 Description Total Fees for This Period Interest Charge on Purchases $1.80 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $1.80 $0.00 $1.80 Total Fees charged Total Interest charged Page 2 of 2 Platinum MasterCard Account Ending in Dec. 16, 2018 - Jan. 15, 2019 | 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 25.15% P $84.11 $1.80 Cash Advances 27.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300084 Stay on top of your credit score. Monitor your credit score with CreditWise” built right into the Capital One* mobile app. EFTA00123803

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Page 1 of 2 , Platinum MasterCard Account Ending in I Jan. 16, 2019 - Feb. 15, 2019 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $341.07 the deadline is 8pm ET. Mar. 12, 2019 Payments - $453.98 New Balance Minimum Payment Due Other Credits $0.00 $478. 53 $ 15.00 Transactions + $591.44 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 + $0.00 longer to pay off your balance. For example: New Balance = $478.53 Credit Limit $750.00 Available Credit (as of Feb. 15, 2019) $271.47 Minimum Payment 6 Years $930 Cash Advance Credit Limit $100.00 $19 3 Years $686 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 1-888-326-8055. 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: 1-877-226-5697 or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.cap talone.com. Customer Service: 1-800-903-3637 See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to 7 ensure your paymenit is processed promptly. Allow at least seven business days for delivery. 400038 _ Get the app designed to save time. Payment Due Date: Mar. 12, 2019 Account Ending in J Effortlessly manage your a ) account on the go with New Balance Minimum Payment Due Amount Enclosed "the Capital One* mobile app. $478.53 $15.00 $ ax Capital One P.O. Box b492 Wha Carol Stream, IL bOLS7-b452 ST es aT TU 1 5178057737152020 15 0478530453980015007 EFTA00123804

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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 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 rultiply 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 The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. Prime Rate + margin 1 month LIBOR + may bership Fees 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 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 P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: © Account information: Your name and account number. Dollar 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 méstake. 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, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 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; : 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. © For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of 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. EFTA00123805

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Transactions HR Payments, Credits and Adjustments Date Description Amount Feb 4 CAPITAL ONE ONLINE PYMTAuthDate - $453.98 04-Feb ME: transactions Date Description Amount Jan 18 Amazon PrimeAmzn.comybillWA $14.14 Jan 21 EXPRESS #1874ALBANYNY $31.20 Jan 21 VICTORIA'S SECRET O504ALBANYNY $67.57 Feb 7 BROOKLYN NETS718-933-3000NY $125.00 Feb 10 AMZN Mktp $33.86 US*MB1V42R22Amzn.com/billWA Feb 10 AMZN Mktp $26.43 US*MB93COIC2Amzn.com/billWA Feb 11 MACYS COLONIE CENTERALBANYNY $24.58 Feb 14 = CheapTix*74124298817 18vwvew.ctix.infoWA $9.10 Feb 14 CheapTix*74124326553 1 3www.ctix.infowA $33.00 Feb14 BWIA $226.56 10672822500653800-9204225NY TK#: 10672822500653 PSGR: JAIME RIVAS WIL ORIG: SVD, DEST: POS CARRIER: MA SVC: ¥ ORIG: SVD, DEST: SVD CARRIER: MA SVC: ¥ 10:2 $591.44 Total Transactions for This Period $591.44 Date Amount $0.00 Description Total Fees for This Period Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 Total Fees charged $0.00 Total Interest charged $1.80 Page 2 of 2 Platinum MasterCard Account Ending in Jan. 16, 2019 - Feb. 15, 2019 | 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 25.15% P $0.00 $0.00 Cash Advances 27.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300085 Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CreditWise’—built right into the Capital One* mobile app. EFTA00123806

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Capital he Page 1 of 2 Platinum MasterCard Account Ending in I Feb. 16, 2019 - Mar. 15, 2019 | 28 days in Billing Cycle Payment Information Account Summary Payment Due Date Apr. 12, 2019 New Balance $98.27 For online and phone payments, the deadline is 8pm ET. Minimum Payment Due $15.00 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 9 Month(s) if you would like information about credit counseling services, call 1-888-326-8055. LATE PAYMENT WARNING: If we do not receive your minimum payment Previous Balance $478.53 Payments - $478.53 Other Credits $0.00 Transactions + $98.27 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance = $98.27 Credit Limit $750.00 Available Credit (as of Mar. 15, 2019) $651.73 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 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: 1-877-226-5697 or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Capitayhe Payment Due Date: Apr. 12, 2019 Customer Service: 1-800-903-3637 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 See reverse for Important Information Pay your bill on the go. Pay your bill securely and New Balance $98.27 Minimum Payment Due $15.00 $ Amount Enclosed review transactions with the Capital One* mobile app. Capital One P.O. Box b492 Carol Stream, IL bO1L97-b492 1 5178057737152020 15 0098270478530015004 EFTA00123807

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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 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 rultiply 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 The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. Prime Rate + margin 1 month LIBOR + may bership Fees 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 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 P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: © Account information: Your name and account number. Dollar 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 méstake. 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, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 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; : 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. © For mail, as of the business day we receive it, as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this statement and your check to the payment address on the front of 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. EFTA00123808

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Page 2 of 2 . Platinum MasterCard Account Ending in Feb. 16, 2019 - Mar. 15, 2019 | 28 days in Billing Cycle 300086 wm Get the app designed to save time. Effortiessly manage your account on the go with Transactions the Capital One” mobile app. HR Payments, Credits and Adjustments Date Description Amount Mar 12 CAPITAL ONE ONLINE PYMTAuthDate - $478.53 12-Mar MEE: transactions Date Description Amount Feb 18 Amazon PrimeAmzn.com/billWA $14.14 Mar 5 SP * HANACURE3109559997CA $34.99 Mar 14 CONOCO - RALPH AVE GASBROOKLYNNY $49.14 10:2 $98.27 Total Transactions for This Period $98.27 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 $0.00 Total Interest charged $1.80 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 25.15% P $0.00 $0.00 Cash Advances 27.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. EFTA00123809

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Page 1 of 2 . Platinum MasterCard Account Ending in Mar. 16, 2019 - Apr. 15, 2019 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $98.27 the deadline is 8pm ET. May 12, 2019 Payments - $150.00 New Balance Minimum Payment Due Other Credits $0.00 $99.83 $15.00 Transactions + $151.56 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 + $0.00 longer to pay off your balance. For example: New Balance = $99.83 Credit Limit $750.00 Available Credit (as of Apr. 15, 2019) $650.17 Minimum Payment 9 Month(s) Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call 1-888-326-8055. 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: 1-877-226-5697 or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.capitalone.com. Customer Service: 1-800-903-3637 See reverse for Important Information Please send us this portion of your statement and 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: May 12, 2019 Account Ending in | | Go paperless. —— FF Stop waiting for your bill to arrive New Balance Minimum Payment Due Amount Enclosed in the mail and go paperless today. $99.83 $15.00 $ a Capital One Il | P.O. Box b492 aoe Carol Stream, IL bOL9?-b492 ots a TU 1 5178057737152020 15 0099830150000015003 EFTA00123810

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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 rultiply 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 The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. Prime Rate + margin 1 month LIBOR + magn bership Fees 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. Pay online at www.capitalone.com Pay using our mobile app 001 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 P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: © Account information: Your name and account number. Dollar 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 méstake. 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, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 ? You may make your payment in several ways: Online Banking by logging into your account; 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 this 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. p> Any written requests on this form will not be honored. To manage your account, please refer to your billing statement for customer service options. EFTA00123811

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Transactions HR. Payments, Credits and Adjustments Date Description Amount Apr 8 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 07-Apr ME: transactions Date Description Amount Mar 18 Amazon PrimeAmzn.comybillWA $14.14 Mar 28 VS *ETOPUPONLINE312-283-08080R $16.75 Apr 6 VS *ETOPUPONLINE312-283-08080R $16.75 Apr 6 WINNERS 319TORONTOON $8.46 11.29 CAD 1.334515366 Exchange Rate Apr 7 SALLY BEAUTY #5501SCARBOROUGHON $6.76 9.03 CAD 1.335798817 Exchange Rate Apr 7 SHOPPER'S DRUG MART $10.32 #1SCARBOROUGHON 13.78 CAD 1.335271318 Exchange Rate Apr 8 PAYPAL *HUANG C04029357733CA $23.98 Apr 12 VS *ETOPUPONLINE312-283-08080R $16.75 Apr 12 SALLY BEAUTY #1907BROOKLYNNY $32.65 Apr 12 CARIBBEANPORT OF SPAINTTO $5.00 10121 $151.56 Total Transactions for This Period $151.56 $0.00 Description Total Fees for This Period Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 $0.00 $1.80 Total Fees charged Total Interest charged Page 2 of 2 Platinum MasterCard Account Ending in Mar. 16, 2019 - Apr. 15, 2019 | 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 25.15% P $0.00 $0.00 Cash Advances 27.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. 300085 Protect your credit score. Detect fraud with automatic alerts if your credit report changes with CreditWise”—built right into the Capital One* mobile app. EFTA00123812

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Page 1 of 2 , Platinum MasterCard Account Ending in I Apr. 16, 2019 - May 15, 2019 | 30 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $99.83 the deadline is 8pm ET. Jun. 12, 2019 Payments - $310.83 New Balance Minimum Payment Due Other Credits $0.00 $45.82 $ 1 5 .00 Transactions + $256.82 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 + $0.00 longer to pay off your balance. For example: New Balance = $45.82 Credit Limit $750.00 Available Credit (as of May 15, 2019) $704.18 Minimum Payment 4 Month(s) Cash Advance Credit Limit $100.00 if you would like information about credit counseling services, call 1-888-326-8055. 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: 1-877-226-5697 or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.captalone.com. Customer Service: 1-800-903-3637 See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to 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, 2019 Account Ending in Effortlessly manage your a \ ) account on the go with New Balance Minimum Payment Due Amount Enclosed ~ the Capital One® mobile app. $45.82 $15.00 $ ax Capital One TT | P.O. Box b492 um Carol Stream, IL bOLT?-b4%2 ST ots aT TU 1 5178057737152020 15 0045820310830015006 EFTA00123813

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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 rultiply 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 The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. Prime Rate + margin 1 month LIBOR + magn bership Fees 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. Pay online at www.capitalone.com Pay using our mobile app 001 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 P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: © Account information: Your name and account number. Dollar 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 méstake. 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, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 ? You may make your payment in several ways: Online Banking by logging into your account; 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 this 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. p> Any written requests on this form will not be honored. To manage your account, please refer to your billing statement for customer service options. EFTA00123814

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Transactions HR Payments, Credits and Adjustments Date Description Amount May 12 CAPITAL ONE ONLINE PYMTAuthDate - $310.83 08-May HE: Transactions Date Description Amount Apr 18 Amazon PrimeAmzn.com/billWA $14.14 Apr 19 VS *ETOPUPONLINE312-283-08080R $59.00 Apr 25 RED LOBSTER 8104SCARBOROUGHON $82.82 111.68 CAD 1.348466554 Exchange Rate Apr 29 SEPHORA 270ALBANYNY $44.06 May 2 Amazon.com*MZ22V89U0Amzn.com/billWA $10.98 May 10 BLOOMEX 888-912-56660TTAWAON $45.82 10:2 $256.82 Total Transactions for This Period $256.82 Date Description Amount Total Fees for This Period $0.00 Interest Charge on Purchases $0.00 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $0.00 Total Fees charged $0.00 Total Interest charged $1.80 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Annual Percentage Balance Subject Interest Charge Balance Rate(APR) to Interest Rate Purchases 25.15% P $0.00 $0.00 Cash Advances 27.15% P $0.00 $0.00 P.L.D,F = Variable Rate. See reverse of page 1 for details. Page 2 of 2 Platinum MasterCard Account Ending in Apr. 16, 2019 - May 15, 2019 | 30 days in Billing Cycle the Capital One” mobile app. 300086 me | Get the app designed to save time. Effortlessly manage your account on the go with EFTA00123815

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Page 1 of 2 , Platinum MasterCard Account Ending in Il May 16, 2019 - Jun. 15, 2019 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $45.82 the deadline is 8pm ET. Jul. 12, 2019 Payments - $698.99 New Balance Minimum Payment Due Other Credits - $33.98 $0.00 $0.00 Transactions + $687.15 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 Interest Charged + $0.00 New Balance = $0.00 Credit Limit $750.00 Available Credit (as of Jun. 15, 2019) $750.00 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: 1-877-226-5697 or www.dfs.ny.gov. Pay or manage your account on our mobile app or at) www.cap talone.com. Customer Service: 1-800-903-3637 See reverse for Important Information Please send us this portion of your statement and only one check (or one money order} to 7 ensure your payment is processed promptly. Allow at least seven business days for delivery. Make a statement. Payment Due Date: Jul. 12, 2019 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. $0.00 $0.00 $$ x Capital One P.0. Box 6492 hal Carol Stream, IL bOL97-b452 ST ts aT TU 1 5178057737152020 15 0000000698990000009 EFTA00123816

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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 rultiply 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 The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. Prime Rate + margin 1 month LIBOR + magn bership Fees 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. Pay online at www.capitalone.com Pay using our mobile app 001 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 P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: © Account information: Your name and account number. Dollar 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 méstake. 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, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 ? You may make your payment in several ways: Online Banking by logging into your account; 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 this 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. p> Any written requests on this form will not be honored. To manage your account, please refer to your billing statement for customer service options. EFTA00123817

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Transactions Page 2 of 2 Platinum MasterCard Account Ending in May 16, 2019 - Jun. 15, 2019 | 31 days in Billing Cycle Transactions Continued HR Payments, Credits and Adjustments Date Description Amount May 30 AMZN MKTP US - $33.98 AMZN.COM/AMZN.COM/BILLWA Jun 11 CAPITAL ONE ONLINE PYMTAuthDate - $698.99 1l-Jun MEE Transactions Date Description Amount May 17) AMZN Mktp $117.54 US*MNOC91LPK2Amzn.com/billWA May 18 = Amazon PrimeAmzn.convbillWA $14.14 May 22 PAYLESS SHOESOO0033324ALBANYNY $14.98 May 23. VS *ETOPUPONLINE312-283-08080R $59.00 May 24 AMZN MKTP $74.30 US*MNO1TO6N2AMZN.COM/BILLWA May 25 SHOPPER'S DRUG MART $78.44 #1SCARBOROUGHON 105.42 CAD 1.343957165 Exchange Rate May 26 SHOPPERS DRUG $37.17 MARTO800SCARBOROUGHON 49.95 CAD 1.343825666 Exchange Rate May 29 APPLEBEES 981635500537GLENMONTNY $39.13 Jun VS *ETOPUPONLINE312-283-08080R $30.00 Jun DUFRY TRINIDAD LIMITPIARCO $76.51 Jung ORGANIFI, LLC17604878587CA $145.94 a. 10121 $687.15 Total Transactions for This Period $687.15 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 $0.00 Total Interest charged $1.80 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 25.15% P $0.00 $0.00 Cash Advances 27.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Manage your account anywhere, anytime. Pay your bill, set up alerts and more with the Capital One* mobile app. EFTA00123818

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Capital he Page 1 of 2 Platinum MasterCard Account Ending in I Jun. 16, 2019 - Jul. 15, 2019 | 30 days in Billing Cycle Payment Information Account Summary Payment Due Date Aug. 12, 2019 New Balance $299.65 For online and phone payments, the deadline is 8pm ET. Minimum Payment Due $15.00 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 if you would like information about credit counseling services, call 1-888-326-8055. LATE PAYMENT WARNING: If we do not receive your minimum payment Previous Balance $0.00 Payments - $150.00 Other Credits $0.00 Transactions + $449.65 Cash Advances + $0.00 Fees Charged + $0.00 Interest Charged + $0.00 New Balance = $299.65 Credit Limit $750.00 Available Credit (as of Jul. 15, 2019) $450.35 Cash Advance Credit Limit $100.00 Available Credit for Cash Advances $100.00 Your annual fee of $29 will be charged on your 08/2019 statement. ——— Manage your account 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: 1-877-226-5697 or www.dfs.ny.gov. Pay or manage your account on our mobile app or at www.cap/talone.com. Capitayhe Payment Due Date: Aug. 12, 2019 Customer Service: 1-800-903-3637 Please send us this portion of your statement and only one check (or one money order} to ensure your paymerit is processed promptly. Allow at least seven business days for delivery. Account Ending in @ Renewal Notice - Your 08/2019 bill will include your $29.00 annual membership fee. The reverse of this page explains how you may close your account and avoid this fee. Both sides of this page provide important information about your rate(s) and how your interest charge is calculated. See reverse for Important Information Pay your bill on the go. Pay your bill securely and New Balance $299.65 Minimum Payment Due $15.00 $ Amount Enclosed review transactions with the Capital One* mobile app. Capital One P.O. Box b492 Carol Stream, IL bOL97-b492 1 5178057737152020 15 0299650150000015003 EFTA00123819

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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 rultiply 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 The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. Prime Rate + margin 1 month LIBOR + magn bership Fees 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. Pay online at www.capitalone.com Pay using our mobile app 001 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 P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: © Account information: Your name and account number. Dollar 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 méstake. 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, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 ? You may make your payment in several ways: Online Banking by logging into your account; 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 this 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. p> Any written requests on this form will not be honored. To manage your account, please refer to your billing statement for customer service options. EFTA00123820

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Transactions HR Payments, Credits and Adjustments Date Description Amount Jul 12 CAPITAL ONE ONLINE PYMTAuthDate - $150.00 07-Jul ER: Transactions Date Description Amount Jun 18 VS *ETOPUPONLINE312-283-08080R $59.00 Jun 18 Amazon PrimeAmzn.com/billWA $14.14 Jun 18 ROYS CARIBBEAN $16.00 RESTAURSCHENECTADYNY Jun 19 AMZN Mktp $87.41 US*M642A9SJ2Amzn.combillWA Jul 2 IDENTOGO - TSA TWICSTATEN ISLANDNY $125.25 Jul 5 RITE AID STORE - 1O585BROOKLYNNY $64.69 Jul 12 MACYS COLONIE CENTERALBANYNY $83.16 10:2 $449.65 Total Transactions for This Period $449.65 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 $0.00 $1.80 Total Fees charged Total Interest charged Page 2 of 2 Platinum MasterCard Account Ending in Jun. 16, 2019 - Jul. 15, 2019 | 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 25.15% P $0.00 $0.00 Cash Advances 27.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Make a statement. Go paperless. Stop waiting for your bill to arrive in the mail and go paperless today. EFTA00123821

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Capital he Page 1 of 2 Platinum MasterCard Account Ending in I Jul. 16, 2019 - Aug. 15, 2019 | 31 days in Billing Cycle Payment Information Account Summary Payment Due Date For online and phone payments, Previous Balance $299.65 the deadline is 8pm ET. Sep. 12, 2019 Payments - $300.00 New Balance Minimum Payment Due Other Credits ~ $83.16 $270. 1 7 $ 15.00 Transactions + $300.11 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 + $44.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you Interest Charged + $9.57 longer to pay off your balance. For example: New Balance = $270.17 Credit Limit $750.00 Available Credit (as of Aug. 15, 2019) $479.83 Minimum Payment Cash Advance Credit Limit $100.00 If you would like information about credit counseling services, call 1-888-326-8055. 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: 1-877-226-5697 or www.dfs.ny.gov. ® Pay or manage your account on our mobile app or at www.capitalone.com. Capitashe Payment Due Date: Sep. 12, 2019 Customer Service: 1-800-903-3637 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 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. See reverse for Important Information 400038 _ Get the app designed to save time. New Balance $270.17 Minimum Payment Due $15.00 $ Amount Enclosed | Effortlessly manage your account on the go with the Capital One” mobile app. Capital One P.O. Box b492 Carol Stream, IL bOL97-b492 1 5178057737152020 15 0270170300000015004 EFTA00123822

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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 rultiply 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 The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. The first day of each Billing Cycle. Prime Rate + margin 1 month LIBOR + magn bership Fees 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. Pay online at www.capitalone.com Pay using our mobile app 001 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 P.O. Box 30285 Salt Lake City, UT 84130-0285. In your letter, give us the following information: © Account information: Your name and account number. Dollar 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 méstake. 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, P.O. Box 30285, Salt Lake City, UT 84130-0285. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ETC-08 © 2016 Capital One. Capital One is a federally registered service mark 110116 ? You may make your payment in several ways: Online Banking by logging into your account; 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 this 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. p> Any written requests on this form will not be honored. To manage your account, please refer to your billing statement for customer service options. EFTA00123823

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Transactions HR Payments, Credits and Adjustments Date Description Amount Jul19 MACYS KINGS PLAZABROOKLYNNY - $83.16 Aug 13 CAPITAL ONE ONLINE PYMTAuthDate - $300.00 12-Aug HR: Transactions Date Description Amount Jul 18 Amazon PrimeAmzn.com/billWA $14.14 Jul ig VS *ETOPUPONLINE312-283-08080R $59.00 Jul ig AMZN Mktp $131.77 US*MA76K8CP2Amzn.com/billWA Jul ig MACYS KINGS PLAZABROOKLYNNY $46.82 Aug 5 AMZN Mktp $29.87 US*MAOUB8BB 1lAmzn.convbillWA Aug 5 AMZN Mktp $18.51 US*MA1A89S32Amzn.comvbillWA 10121 $300.11 Total Transactions for This Period $300.11 Date Description Amount Aug 12 PAST DUE FEE $15.00 Aug15 CAPITAL ONE MEMBER FEE $29.00 Total Fees for This Period $44.00 Interest Charge on Purchases $9.57 Interest Charge on Cash Advances $0.00 Interest Charge on Other Balances $0.00 Total Interest for This Period $9.57 $44.00 $11.37 Total Fees charged Total Interest charged Page 2 of 2 Platinum MasterCard Account Ending in Jul. 16, 2019 - Aug. 15, 2019 | 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 25.15% P $447.96 $9.57 Cash Advances 27.15% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details. Protect your credit score. 300085 Detect fraud with automatic alerts if your credit report changes with CreditWise"—built right into the Capital One® mobile app. EFTA00123824