Page 1 of 2 . Customer Service www.capitalone.com Platinum MasterCard Account ending in I NEW BALANCE MINIMUM PAYMENT DUE DATE $87.72 $25.00 Feb 12, 2015 PLEASE PAY AT LEAST THIS AMOUNT Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 Available Credit: $112.28 Available Credit for Cash Advances: $100.00 Previous Balance Payments and Credits $214.74 - $150.00 + $22.98 New York residents may contact the New York State Department af Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: — or www.dis.ny.gov_ ( TRANSACTIONS | PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS Fees and Interest Charged Dec. 16 - Jan. 15,2015 31 Days in Billing Cyde MINIMUM PAYMENT WARNING: | If yournake only the minimum payment each patiod, you wil pay more in interest and ft will take you longer to pay off your balance. For example: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Minimum Payment 4 Months) $2 if you would lke information about credit counsaiing services, call t LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. New Balance $87.72 Transactions + $0.00 Always at your service... Pay your bill online and take advantage of these and other on-the-go services: 1 13 JAN Cap 1 DebitCardPhonePmt AuthDate 12-Jan ($150.00) * Capital One® text messaging * Card replacement * Travel notification \ 7 TRANSACTIONS FOR PHILLIP | WILLIAMS WK | Log into www.capitalone.com to take \, 300026-C advantage of these and other on-the-go services FEES 1 12JAN PAST DUE FEE $19.00 Total Fees This Period $19.00 INTEREST CHARGE CALCULATION INTEREST CHARGED Your Annual Perce (APR) is the me _ rate on your account. INTEREST CHARGE:PURCHASES $3.98 Type of Balance nual Percentage Balance Subjectto 1s atoct charge Total interest This Period $3.98 pe Rate (APR) Interest Rate "9 Purchases 22.90% P $204.70 $3.98 Cash Advances 24.90% P $0.00 $0.00 P,L,D,F = Variable Rate. See reverse of page 1 for details Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee capitate Account ending in Due Date New Balance Minimum Payment Amount Enclosed Feb 12, 2015 $87.72 $25.00 : PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN. NY 11234-4029 ST Te ENJOY 24/7 ACCESS TO YOUR ACCOUNT Log in end manage your account online at wwm.capitalone com © Pay bills © Check your balance © Review transactions Capital One Bank (USA). N.A. P.0. Box 71043 Charlotte, NC 28272-1043 ee EFTA00123832

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Alternate Phone How cam | Avoid Paying Interest Charges? if you pay your statements "New Balance’ in full by the due date, we vwill not charge interest an any new transactions that post to the Purchase balance. If you have been paying your account in full with no interest charges, but then you do not pay your nest "New @alance’ in full, we well charge interest on the portion of the balance that you did not pay. For cash athances and special trarafers, we will start charging interest an the transaction date. How is the Interest Charge applied? Interest charges accrue fram the 1) date cf the transaction, 2) date the transaction is processed or 3) first calendar day af the tiling period. Interest charges accrue on every unpaid amaunt until it & paid in full This mears you may owe intevest charges even if you pay the entire "New Balance’ ane month, but did not do so for the previgus month. Unpaid imerest charges are added to the proper segment of your Account. However, we reserve the nght to not assess interest charges at ary time. Do you assess a Minimum interest Charge? Yes. A minimum INTEREST CHARGE of $0.50 wil be assessed for each billing period your account i subject to an interest charge. How do you Calculate the Interest Charge? We we a method called Average Daily Balance [including new ‘transactiora}. Under ths method, we fist calculate your daiy balance; for each seqment, 1) take the beginning balance and add in new trareactions and the periodic interest charge on the previous day/s balance, then 2) subtract ary payments and credits for that seqment 2 of that day. The result is the daily balance for each segment. However, if you paid your previous month’s balance in full (or # your balance was zero ora credit amount}, new transactions which post ‘to your purchase or special purchase segments are not ackied to the daily balances. Ako, transactions that are subject to 2.grace period are not added to the daily balances. West, to find your Average Dally Balance: 1) add the daily balances together far each segment, and 2) divide the sum by the number of days in the biling cycle. At the end of each billing cyde, we determine your Interest Charge as follows: 1) mulity your Average Dally Balance by the daily periodic sate (APR divided by 265} for that segment, and 2) multisly the result by the number of days in the billing period. NOTE: Que to rounding or a minimum interest charge, this calculation may vary from the interest charge actually assessed. How cam my Variable Anawal Percentage Rate (APR) change? Your APR may inceeave or decrease based on one of the following reported indices (reported in The Wall Street Journal). To find which index is used far your account, lock for a letter code on the front af this statement next to your APAis}. Then check the table below: ‘When your APR|s} will change Index + margin (previously disclosed to you) Prime Rate + margin 3 month UBOR + margin The first day of the biling periods that end in lan, Apeil, July, and Oct. Prime Rate + margin 1 marth LIOR + margin The first day of each anthiy tiling pened. ‘Are there Additional Fees associated with my account? Yes, under certain crcumstances, you may be assessed a Late or Returned Payment fee. You may alsa be assessed Overiimé fees # permitted by law. We reserve the right ta not assess fees without prior notice and withaut waiving our right to assess a similar fee later. Hew can! Avoid Membership Fees ? If s Renewal Notice is printed on the front of this statement, you may avoid paying an annual membership fee by contacting Customer Service no mare 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, contact Customer Service anytime to request that we close your account, and we will stop assessing your monthly menterstip fre. How cant ‘You can contact Customer Service anytime to request that we close your account. At ‘that time, we'll explain any additional steps to account closure, induding balance pay down information and timelines. ‘What happens if my Account is Suspended? Ve may close or suspend your account and your right to obtain credit at any time and for any reason, even if you are not in default. Account suspension can be permanent or temporary. if ‘your account is closed of suspended you must 1) stop wing your credit cand and acccunt, 2} cancel all automatic payments, 3) destroy all credit cares and access checks, and 4} pay all amounts you owe us, even # they were charged after the account was closed or suspended. How do | Make Payments? At any time, you may pay the minimum payment, the total unpaid balance, or any amount in between. Payments may be made in several ways: 1) Online by going to www. capitalone.com and logging into your account; 2) Telephone Voice Response System by dialing 1-800-955-7070 and folawing the voice prompts. When you make a phone payment through cur voice response system, you authorize us to initiate an ACH or electronic payment that vil be debited from your bark account. Funds may be withdrawn from your bank account as scan 2s the same day we process your payment; 3) Galing our telephone number 1-800-955-7070 and providing your information to our representative; 4) Payments by mail should be sert to the mailing address provided on the battom partion af this statement. Changing Address? Address Home Phone E-mail Address Please print address or phone number above using blue or black ink. When will you Credit My Payment? Far aniline or aver the phone, as of the business day we receive it, as long as they ave made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as: 1) you send the bottom portion of this statement and check to the payment address on the front af this statement and 2) your payment is received in our processing centers by 5 pum. local time. Mease allow at least [7) business days for mail delivery. Maied payments received by us at am other location or in any other form may nat be crecited as of the day we receive them. Do you Process Paper Checks as an Electromic Fumds Transfer? Payments will be processed in one of two ways: When you provide a check or check information to mate a payment, you authotize us or aur agents to use the information to make a one time ACH transaction or other electronic fund transfer from your deposit account. We may alsa use the information to process the payment as a check transaction. What if | file for Bankruptcy? If you are entitled to bankruptcy protection, this communication is for information only. It & nat an athemet to collect, assess or secover 2 debt or daim. Oo not send us payments without speaking with your bankruptcy attorney or the Garkuptcy Court. € you ot your attorney would like to contact our bankruptcy claims servicer directly, please contact: Capital One - PO Box 30285 - Salt Lake City, UT 84130-0285 BILLING RIGHTS SUMMARY (O0es Wot Apply to Small Business Accounts) What Te Do tf You Think You Find A Mistake Om Your Statement: |f you think there is an error on your statement write to us at: Capital One P.O. Box 30285 Sak Late City, UT 84130-0285 In your letter, give us the following information: ‘Accourt information: Your name and account number. (Dollar amount: The dolar amount af the suspected error. Description of Problem: If you think there is an error om your bill describe what you believe is wrong and why you believe it is a matate. You must contact us within 60 days after the error appeared on your statement. You must netity us of any potertial emors in writing. You may call us or notfy us electronically, but # you do we are not required to investigate any patential errors and you may have to pay the amount in question. We wall notify you inswriting within 30 days of ow seceipt af 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 intesest on that amount. But, if we determine that we made a mistake, you wil not have to pay the amount in question or any imerest or other fees related to that amount. While you do not have to pay the amount in question urtil we send you a notice about the outcome of cur investigation, you are responsibil for the remainder cf your balance. We can apply any unpaid amount against your ceedit Smit. Within 90 days of our receipt cf your letier, we will send you a written notice explaining either that we corrected the error {to appear on your nest statement) ar the reasons we beleve the bill is correct. Your Rights If You Are Dissatistied With Your Credit Card Purchases, If you are cissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith to corvect the problem with the merchant, you may have the right nat to pay the remaining amaurt due on the purchase. To use this righ, the folowing must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances fram an ATM or with a check that accesses your credit card account do not quality; and 2) You must not yet have fully paid for the purchase. Hf 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 Sak Late City, UT 84130-0285 While we investigate, the same rules apply ta the disputed amount as discussed sbove Aber we fish our investigation, we wil tell you ow decision. At that point, # we think you owe an amount and you do nat pay we may report you as delinquent. Capital One supports information privacy protection: see our website at www. capitalone.com © 2014 Capital One. Capital One is a federally registered service mark. All rights reserved. ETC-08 11/30y14 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. «Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123833

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2of 2 . Customer Service| www.capitalone.com Platinum MasterCard Account ending in NEW BALANCE MINIMUM PAYMENT DUE DATE $87.72 $25.00 Feb 12, 2015 Previous Balance Payments and Credits Fees and Interest Charged $214.74 - $150.00 + $22.98 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year $19.00 Total Interest This Year $3.98 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Dec. 16 - Jan. 15, 2015 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $0.00 31 Days in Billing Cyde $200.00 $112.28 $100.00 $100.00 New Balance $87.72 EFTA00123834

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Page tof 3 . Customer Service www.capitalone.com Platinum MasterCard Account ending in I NEW BALANCE MINIMUM PAYMENT DUE DATE $93.18 $25.00 Mar 12, 2015 PLEASE PAY AT LEAST THIS AMOUNT Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 Available Credit: $106.82 Available Credit for Cash Advances: $100.00 Jan. 16 - Feb. 15, 2015 31 Days in Billing Cyde MINIMUM PAYMENT WARNING: If yourmake only the minimum payment each petiod, you wil pay more in interest and ft will take you longer to pay off your balance. For example: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made ‘Statement Balance Total Cost Minimum Payment 5 Months) Bs tt you would lke information about credit counsaiing services, call t LATE PAYMENT WARNING: If we do not receive your minimum payment by your due dale, you may have to pay a late fee of up to $19.00. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $87.72 - $50.00 + $2.63 + $52.83 s $93.18 New York residents may contact the New York State Department af Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the rt New York State Department of Finandal Services. a or wwwi.dis.ny.gov. } M Oo RE Renewal Notice - Your 03/2015 bill vaill include your $29.00 annual membership fee. Ly The reverse of this page explains how you may dase your account and avoid this fee. Bath sides of this page provide important information about your rate(s) and haw your H interest charge is calculated. Credit Ca rds are only part (TRANSACTIONS ; of the equation. 1? TED Cap | Be ieecrnoee ees ae ($50.00) Learn about all the ways we can serve your needs at ay ictronicPhanel uthDate 12- ($50.00) * , capitalone.com. spain TRANSACTIONS FOR PHILLIP | WILLIAMS 1 14JAN 7-ELEVEN 274548R00KLYNNY $2.82 INTEREST CHARGE CALCULATION 2 14JAN SUNOCO 0007155517BROOKLYNNY $30.00 1 \ 3 15 JAN QUEENS BL FILL N’ WQ39LONG ISLAND CNY $20.01 Your Annual Percentage im (APR) is the on “ rate on your account. Annual Percenta Balance Subject to Total for Phillip | Williams $52.83 Type of Balance wate arn ge interest Rate Interest Charge > Total Transactions This Period $52.83 Purchases 22.90% P $135.42 $2.63 Cash Advances 24.90% P $0.00 $0.00 P.L,D,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee capirat Re Account ending in Due Date New Balance Minimum Payment Amount Enclosed Mar 12, 2015 $93.18 $25.00 . PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN. NY 11234-4029 TTT ete EE ENJOY 24/7 ACCESS TO YOUR ACCOUNT Log in end manage your account online at wwm.capitalone.com © Pay bills © Check your balance © Review transactions Capital One Bank (USA). N-A. P.0. Box 71043 Charlotte, NC 28272-1043 ee EFTA00123835

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Alternate Phone How cam | Avoid Paying Interest Charges? if you pay your statements "New Balance’ in full by the due date, we vwill not charge interest an any new transactions that post to the Purchase balance. If you have been paying your account in full with no interest charges, but then you do not pay your nest "New @alance’ in full, we well charge interest on the portion of the balance that you did not pay. For cash athances and special trarafers, we will start charging interest an the transaction date. How is the Interest Charge applied? Interest charges accrue fram the 1) date cf the transaction, 2) date the transaction is processed or 3) first calendar day af the tiling period. Interest charges accrue on every unpaid amaunt until it & paid in full This mears you may owe intevest charges even if you pay the entire "New Balance’ ane month, but did not do so for the previgus month. Unpaid imerest charges are added to the proper segment of your Account. However, we reserve the nght to not assess interest charges at ary time. Do you assess a Minimum interest Charge? Yes. A minimum INTEREST CHARGE of $0.50 wil be assessed for each billing period your account i subject to an interest charge. How do you Calculate the Interest Charge? We we a method called Average Daily Balance [including new ‘transactiora}. Under ths method, we fist calculate your daiy balance; for each seqment, 1) take the beginning balance and add in new trareactions and the periodic interest charge on the previous day/s balance, then 2) subtract ary payments and credits for that seqment 2 of that day. The result is the daily balance for each segment. However, if you paid your previous month’s balance in full (or # your balance was zero ora credit amount}, new transactions which post ‘to your purchase or special purchase segments are not ackied to the daily balances. Ako, transactions that are subject to 2.grace period are not added to the daily balances. West, to find your Average Dally Balance: 1) add the daily balances together far each segment, and 2) divide the sum by the number of days in the biling cycle. At the end of each billing cyde, we determine your Interest Charge as follows: 1) mulity your Average Dally Balance by the daily periodic sate (APR divided by 265} for that segment, and 2) multisly the result by the number of days in the billing period. NOTE: Que to rounding or a minimum interest charge, this calculation may vary from the interest charge actually assessed. How cam my Variable Anawal Percentage Rate (APR) change? Your APR may inceeave or decrease based on one of the following reported indices (reported in The Wall Street Journal). To find which index is used far your account, lock for a letter code on the front af this statement next to your APAis}. Then check the table below: ‘When your APR|s} will change Index + margin (previously disclosed to you) Prime Rate + margin 3 month UBOR + margin The first day of the biling periods that end in lan, Apeil, July, and Oct. Prime Rate + margin 1 marth LIOR + margin The first day of each anthiy tiling pened. ‘Are there Additional Fees associated with my account? Yes, under certain crcumstances, you may be assessed a Late or Returned Payment fee. You may alsa be assessed Overiimé fees # permitted by law. We reserve the right ta not assess fees without prior notice and withaut waiving our right to assess a similar fee later. Hew can! Avoid Membership Fees ? If s Renewal Notice is printed on the front of this statement, you may avoid paying an annual membership fee by contacting Customer Service no mare 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, contact Customer Service anytime to request that we close your account, and we will stop assessing your monthly menterstip fre. How cant ‘You can contact Customer Service anytime to request that we close your account. At ‘that time, we'll explain any additional steps to account closure, induding balance pay down information and timelines. ‘What happens if my Account is Suspended? Ve may close or suspend your account and your right to obtain credit at any time and for any reason, even if you are not in default. Account suspension can be permanent or temporary. if ‘your account is closed of suspended you must 1) stop wing your credit cand and acccunt, 2} cancel all automatic payments, 3) destroy all credit cares and access checks, and 4} pay all amounts you owe us, even # they were charged after the account was closed or suspended. How do | Make Payments? At any time, you may pay the minimum payment, the total unpaid balance, or any amount in between. Payments may be made in several ways: 1) Online by going to www. capitalone.com and logging into your account; 2) Telephone Voice Response System by dialing 1-800-955-7070 and folawing the voice prompts. When you make a phone payment through cur voice response system, you authorize us to initiate an ACH or electronic payment that vil be debited from your bark account. Funds may be withdrawn from your bank account as scan 2s the same day we process your payment; 3) Galing our telephone number 1-800-955-7070 and providing your information to our representative; 4) Payments by mail should be sert to the mailing address provided on the battom partion af this statement. Changing Address? Address Home Phone E-mail Address Please print address or phone number above using blue or black ink. oor iby When will you Credit My Payment? Far aniline or aver the phone, as of the business day we receive it, as long as they ave made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as: 1) you send the bottom portion of this statement and check to the payment address on the front af this statement and 2) your payment is received in our processing centers by 5 pum. local time. Mease allow at least [7) business days for mail delivery. Maied payments received by us at am other location or in any other form may nat be crecited as of the day we receive them. Do you Process Paper Checks as an Electromic Fumds Transfer? Payments will be processed in one of two ways: When you provide a check or check information to mate a payment, you authotize us or aur agents to use the information to make a one time ACH transaction or other electronic fund transfer from your deposit account. We may alsa use the information to process the payment as a check transaction. What if | file for Bankruptcy? If you are entitled to bankruptcy protection, this communication is for information only. It & nat an athemet to collect, assess or secover 2 debt or daim. Oo not send us payments without speaking with your bankruptcy attorney or the Garkuptcy Court. € you ot your attorney would like to contact our bankruptcy claims servicer directly, please contact: Capital One - PO Box 30285 - Salt Lake City, UT 84130-0285 BILLING RIGHTS SUMMARY (O0es Wot Apply to Small Business Accounts) What Te Do tf You Think You Find A Mistake Om Your Statement: |f you think there is an error on your statement write to us at: Capital One P.O. Box 30285 Sak Late City, UT 84130-0285 In your letter, give us the following information: ‘Accourt information: Your name and account number. (Dollar amount: The dolar amount af the suspected error. Description of Problem: If you think there is an error om your bill describe what you believe is wrong and why you believe it is a matate. You must contact us within 60 days after the error appeared on your statement. You must netity us of any potertial emors in writing. You may call us or notfy us electronically, but # you do we are not required to investigate any patential errors and you may have to pay the amount in question. We wall notify you inswriting within 30 days of ow seceipt af 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 intesest on that amount. But, if we determine that we made a mistake, you wil not have to pay the amount in question or any imerest or other fees related to that amount. While you do not have to pay the amount in question urtil we send you a notice about the outcome of cur investigation, you are responsibil for the remainder cf your balance. We can apply any unpaid amount against your ceedit Smit. Within 90 days of our receipt cf your letier, we will send you a written notice explaining either that we corrected the error {to appear on your nest statement) ar the reasons we beleve the bill is correct. Your Rights If You Are Dissatistied With Your Credit Card Purchases, If you are cissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith to corvect the problem with the merchant, you may have the right nat to pay the remaining amaurt due on the purchase. To use this righ, the folowing must be true: 1) You must have used your credit card for the purchase. Purchases made with cash advances fram an ATM or with a check that accesses your credit card account do not quality; and 2) You must not yet have fully paid for the purchase. Hf 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 Sak Late City, UT 84130-0285 While we investigate, the same rules apply ta the disputed amount as discussed sbove Aber we fish our investigation, we wil tell you ow decision. At that point, # we think you owe an amount and you do nat pay we may report you as delinquent. Capital One supports information privacy protection: see our website at www. capitalone.com © 2014 Capital One. Capital One is a federally registered service mark. All rights reserved. ETC-08 11/30y14 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. «Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123836

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Platinum MasterCard NEW BALANCE MINIMUM PAYMENT $93.18 $25.00 Previous Balance Payments and Credits $87.72 - $50.00 TRANSACTIONS CONTINUED FEES Total Fees This Period INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year 2of 3 Customer Service www.capitalone.com Account ending in DUE DATE Mar 12, 2015 Fees and Interest Charged $0.00 $2.63 $2.63 $19.00 $6.61 $2.63 Jan. 16 - Feb. 15, 2015 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $52.83 31 Days in Billing Cyde $200.00 $106.82 $100.00 $100.00 New Balance $93.18 EFTA00123837

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201204 ENROLL IN ONLINE BANKING TO STAY ON TOP OF YOUR FINANCES Did you know Capital One® Online Banking offers a range of financial tools right at your fingertips? From monitoring your credit score, to enhanced security measures, and more—you’ll enjoy convenient benefits all year round (including when you need them most, like tax time). VIEW STATEMENT HISTORY Keep tabs on all your transactions with access to up to four years of statements, which comes in handy during tax season. CAPITAL ONE CREDIT TRACKER* Get 100% free unlimited access to your monthly credit score, a what-if simulator to see how your actions could affect your credit score, and other tools that will help you understand your credit score. ENHANCED TRANSACTIONS Keep an eye on your account by seeing the merchant name, logo, address, phone number, and even a map (if available) so you'll know exactly where you made that purchase. INTERACTIVE FRAUD ALERTS Know about fraud attempts and avoid declines with real-time text and email alerts that you can respond to instantly. Enroll in online banking and you'll get a text, email, and if you don’t respond, a phone call. To receive these and other great benefits, please make sure your preferred email address and other contact information is up to date. Enroll now at capitalone.com/enrollnow *Currently not available to Spark customers or retail partner cards. EFTA00123838

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Page 1 of 2 Customer Service Feb. 16-Mar. 15,2015 28 Days in Billing Cyde www.capitalone.com ED Serene veces, Frvetont tottereretnciostre wil pay more in interest and ft will take you longer to pay off your balance. For example: Platinum MasterCard Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $155.76 $25.00 Apr 12, 2015 Mido Pageant 8 Mortis} $160 Htyou would like information about credit counsaling services, call 7 PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | ¥04™ayhevet pay alete fee of up to $12.00, Available Credit: $44.24 Available Credit for Cash Advances: $44.24 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $93.18 - $58.00 + $50.52 + $70.06 = $155.76 New York residents may contact the New York State Department af Financial Services to obtain a comparative listing of credit card rates, fees, race periods. Cantact the f New York State Department of Finandal Services: a or www.dis.ny.gov. Don t understand = (TRANSACTIONS credit? PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS I , ‘ 1 13. MAR Cap 1 ElecPhanePmt VRUAuthDate 12-MAR ($50.00) That's because you've never 2 14 MAR MEMBERSHIP FEE CREDIT ($8.00) had a teacher like this: TRANSACTIONS FOR PHILLIP | WILLIAMS I capitalone.com/financialeducation 1 23,FEB SUNOCO 000715551 7BROOKLYNNY $25.00 Check it out on your schedule, 24/7 2 24 FEB SUNOCO 000715551 7BROOKLYNNY $25.05 state 3 25 FEB SUNOCO 000715551 7BROOKLYNNY $20.01 Total for Phillip | Wiliams $70.06 INTEREST CHARGE CALCULATION > Total Transactions This Period $70.06 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Fees Type of Balance Rate (APR) Interest Rate Interest Charge Purchases 22.90% P $143.35 $2.52 Cash Advances 24.90% P $0.00 $0.00 . P.L,D,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 * PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee capitate Account ending in Due Date New Balance Minimum Payment Amount Enclosed ENJOY 24/7 ACCESS TO YOUR ACCOUNT Apr 12, 2015 $155.76 $25.00 . Log in end manage your account online at wwa.capitalone com * Pay bills PLEASE PAY AT LEAST © Check your balance THIS AMOUNT © Review transsctions PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA).+ N-A- P.O. Box 71043 OTT eis os ot TU Charlotte. NC 28272-1083 ee EFTA00123840

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Alternate Phone How Can | Avoid Paying Interest Charges? # 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 . you have been paying your account in full with no Imerest Charges, but then you do not pay your next New Balance in full, we will change interest on the portion af the balance that you did net pay. For Cash Achances and Special Transfers, we wil start charging intesest on the transaction date. Certain promational 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. Interest Charges accrue from the date of the transaction or the first day of the Biling Cycle. Interest Charges accrue on every unpaid amaunt until ¢ is paid in full. This means you may owe Interest ‘Charges even if you pay the entire New Balance for one Biling Cycle, but did nat do so the previow Bling Cyde. Unpaid interest Charges are added to the comespanding segment of your account. Do you assess a Minimum Interest Charge? We may assess 2 minimum fnterest Charge of $0.50 for each Billing Cycle @ your account is subject to an Interest Charge. We we a method called Average Daily Balance [including new ‘trensactons), 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 crecits for that segment as of ‘that day. The result is the daly balance for each segment. However, @ 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. Nest, for each segment, we add the daily balances together and civide the sum by the number af days in the Billing Cycle. The result the Average Daily Balance for each segment. 3. Atthe 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 seqment, and then we multiply the result by the number of days in the Biling Cycle ‘We add the Interest Charges for all segments together. The result & your total Interest Change for the Billing Cycle. NOTE: Due te rounding or 3 minimum interest Charge, ths calculation may wary slightly from the Interest Charge actually assewed. How can my Variable APR chaege? Your APA may increase or decrave based on one of the following reported indices (reported in The Wall Street Journad. To find which index is used for your account, look for 2 letter code on ‘the front of this statement next to your APRis}. Then check the table below: ‘When your APR\s} will change Index + margin (previously disclosed to you) Prime Rate + margin 3 month UBOR + margin The first day of the Biling Cycles that end in lan, Apsil, July, and Oct. Prime Rate + margin 1 marth LIOR + margin How can | Avoid Membership Fees?_ if » Renewal Notice is printed on the front cf this statement, you may avoid paying an annual memberstip Fee by contacting Customer Service no later than 45 days afer the last day in the Billing Cycle covered by this statement to request that we dase your account. To avoid payng a monthly membership Fee. lose your account, and we will stop assessing your monthly membership Fee. How cant Close My Account? You can contact Customer Service anytime to request that we dose your account. Hew do | Make Payments? You may make your payment in several ways: 1. Online and logging into your account; 2. Gapital One Mobile Banting app for approved electronic devices; 3. Telephone Voice Response System by cialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number sted cn the front of this statement and providing your information to cur representative; The first day af each Biling Cycle. Changing Address? Address Home Phone E-mail Address Please print address or phone number above using blue or black ink. oor iby 5. Sending mail payments to the address on the font of this statement with the payment coupon or your account information. How do you Process Payments? When you make a payment, you authorge us to initiate an ACK ar electronic poyment that will be debited fram your bank account o other related account. When you provide 2 check or check information to make 2 payment, you authorize us to use information from the check to make a one-time ACK or other dectronic transfer from your banit account. We may ako process & 25 a check transaction. Funds may be withdrawn from your bank accourt as soon as the same day ‘we process your payment. When will you Credit My Payment? For mobile, ordine or over the phane, as of the business day we receive it, as long as they are made by B p.m. ET. For mailed payments, a5 of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of thes statement. Please allow at least (7) business days for mail delivery. Mailed payments recetved by us at ary other location or payments in any other form may not be credited as of the day we receive them. How do you Apply My Payment? VW/e generally apply payments up to your Minimum Payment frst to the balance with the lowest APR (including OMe APA), and then to balances with higher APRs. We apply any part of your payment exceeding your Minimum Payment to the balance with the highest APR, and then te balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accournts) What Te Do If You Think You Find A Mistake Om Your Statememt: if you think there is an errar on your statement, write to us at: Capital One P.O. ax 30285 Salt Late City, UT 841204285 In.your letter, give us the fallowing information: ‘Account information: Your name and account number. Dollar amount: The dolar amount af the suspected error. Description of Problem: If yau think there és an error on your bill, describe what you believe is wrong and why you believe it & 2 mistake. You must contact us within 60 days after the error appeared on your statement. You must notfy us of any potential erars in writing. You may call us or notify us electronically, but if you do we ate not required to investigate any potential emors and you may have to pay the amount in question. We will notify you in writing within 30 days of cur receipt af your letter. While we investigate whether or not there has been an error, the folowing are true: We cannet try to collect the amount in question, ot repart you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest cn that amount. But, if we determine that we made a mistake, you wil not have to pay the amount n question ot any interest or other fees related to that amaurt. While you do nat have to poy the amount in question until we send you a notice about the outcome of cur investigation, you are resporaible for the remainder of your balance. We can apply any unpaid amount against your credit irrit. Within 90 days of cur receipt of your letter, we will send you a written notice explaining either that we comected the error {to appear on your nest statement) cr the reasons we beliewe the bill is correct. Your Rights if You Are Dissatisfied With Your Purchase: |f you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to comect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchave. 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 fram 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. Hf all of the criteria above are met and you are stil dissatisfied with the purchase, contact us in writing at: Capital One P.O. ax 30285 Sait Late City, UT 841204285 While we investigate, the same rules apply to the daputed amount as discussed above. Ater we finish our irwestigation, we wil tell you our decision. At that point, # we think you owe an amount and you do nat pay we may report you as delinquent. © 2015 Capital One. Capital One is a federally registered service mart. ETC-08 ORS Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. + Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123841

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2of 2 . Customer Service| www.capitalone.com ee Platinum MasterCard Account ending in NEW BALANCE MINIMUM PAYMENT DUE DATE $155.76 $25.00 Apr 12, 2015 Previous Balance Payments and Credits Fees and Interest Charged $93.18 - $58.00 $50.52 TRANSACTIONS CONTINUED FEES (CONTINUED) 1 12 MAR PAST QUE FEE 2 14MAR CAPITAL ONE MEMBER FEE Total Fees This Period INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year $19.00 $29.00 $48.00 $2.52 $2.52 $59.00 $9.13 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Feb. 16 - Mar. 15, 2015 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $70.06 zs 28 Days in Billing Cyde $200.00 $44.24 $100.00 $44.24 New Balance $155.76 EFTA00123842

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Page 1 of 2 Customer Service Mar. 16 - Apr. 15,2015 31 Days in Billing Cyde www.capitalone.com ee a wil pay more in interest and ft will take you longer to pay off your balance. For example: Platinum Card Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $90.85 $25.00 May 12, 2015 Mido Pageant SMorths} $6 if you would like information about credit counsaiing services, call | PLEASE PAY AT LEAST THES AMOUNT LATE PAYMENT WARNING: Ifwe do not receive your minimum payment by your due date, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | 04™ayhevet pay alete te of up to $12.00, Available Credit: $109.15 Available Credit for Cash Advances: $100.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $155.76 - $70.00 + $2.77 + $2.32 = $90.85 New York residents may contact the New York State Department af Financial Services to ’ obtain a comparative listing of credit card rates, fees, and grace periods. Contact the It Ss easy to set up your New York State Department of Financial Services of www.dis.ny.gov. [Anas account alerts: ( TRANSACTIONS ) ; PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS First, “Log In” to Online Banking. Next, sign up by 1 09 APR Cap 1 ElecPhonePrmt VRUAuthDate 09-APR ($70.00) 1. Clicking “Messaging and Alerts” 2. Clicking “Set Alerts” TRANSACTIONS FOR PHILLIP 1 wituams I 3. Choosing the free alerts you'd like to receive 1 30 MAR FEDEXOFFICE 00003467NEW YORKNY $0.15 Your carrier may charge a fee for each text message alert you receive 2 1 APR CVS/PHARMACY #1 00868RO0KLYNNY $2.17 BO ee soooo7-c Total for Phillip | Williams [i $2.32 D> Total Traneactons This Period $2.32 INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total Fees This Period $0.00 Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge INTEREST CHARGED Purchases 22.90% P $142.53 $2.77 Cash Advances 24.90% P $0.00 $0.00 . P.LD,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 * PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee : Account ending in Due Date New Balance Minimum Payment Amount Enclosed LESS WASTE! Since you haven't been sending your 1 1 J r May 12,2016 $9085 $5.0 . payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA).+ N-A. P.0. Box 71083 Tar nds eT bei UD Charlotte, NC 28272-1083 He ee ee i ee EFTA00123843

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How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for ome Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 for each Billing Cycle if your account is subject to an Interest Charge. How de you Calculate the Interest Charge? We use a method called Average Daily Balance (indudieg new Transactions). 1 First, for each segment we take the beginning balance each day and add in new transactions and the periodic linmerest 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, @ your previous Statement balance was 2ef0 oF 3 @edit amount, new barsactions 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 mumber af days in the Billing Cycle. The result is the Average Daily Balance far each segment. 3. An the end af each Biling Cyde, we multiply your Average Daly Balance for each seamen by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cycle. We add the Inmerest Charges for all segments together. The resuft is your total Interest Charge for the Biling Cyce. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on ane of the following reported indices (reported in The Wail Street Journal). To find which index is used for your account, look for a lemer code ‘on the trot of this statement next to your APA(s). Then check the table below: How do we calculate your APR(s)? Index + margin (previously disclosed to you) ‘When your APR(s) will change Prime Rate + margin 3 menth LIBOR + margin The fiest day af the Bling Cycles that end in Jan. Apel, July, and Oct. Prime Rate + margin 1 month LIBOR + margin ‘The first day of each Billing Cyde. How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual membership Fee by contacting Customer Service no laver 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 8 monthly membership Fee, dase your account, and we wil stop assessing your monthly membership Fee. How can | Close My Account? You can contact Customer Service anytime to request that we dese your come. How do | Make Payments? You may make your payment in several ways: 1. Online and logging into your account; 2. Capita One Mobile Banting app for apeeoved decronk devices; 3. Teleghone Voice Response System by dialing the telephone mamber listed on the front af this staremert and following the weice prompts; 4. Calling the telephone pumber Ested on the frort of this statement and providing your information to our representative, 5. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Changing Address? TOSS .resscnpsssrarencncscastocssssessstaasverssonccenacera roses Home PHONE .........cccrssoressocorscsccerceresccorerecsersecsscsseses Alternate Phone ........ccccccecceeeeseerseeseee secceeeeceeetseenseseneee E-mail Q Addr@SS oo... ceecceecceeeeee eS eS ee vires Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 3 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make & payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tartar from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, online of over the phone, as of the business day we receive it, as long as they are made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other location or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR}, and then to balances with higher APRs. We apply any part of your payment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Doss not Appy 'p Small Business Accourms) What To Do Hf You Think You Find A Mistake On Your Statement: I you think there is an emer on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 In your lecter, give us the following infomation: ‘Account infcemation: Your name and account rumber. Dollar amourt: The dolar amourt of the suspected error. Description of Problem: if you think there is an error on your bil, describe what you belewe is wrong and why you beleve it & a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fot required te investigate any potential errors and you may hawe to pay the amount in question. We wil notiy you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an erroy, the folowing are fue We careet try to collect the ammount in question, of report you 3s delinquent on that amount. The charge in question may remain on your starement, and we May continue to charge you ienerest on that amount. But, if we determine that we made a mistake, you will not have to pay the amourt in question ar any interest or other fees related to that amount. While you de mot have to pay the amount in question until we send you 2 motice about the outcome of our investigation, you are resporsible for the remainder of your balance. ‘We can apply sey unpaid amount against your credit Emit. Within 90 days of our receipx of your letter, we will send you a written notice explaining ether that we corrected the error (to appear an your reat statemerc) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you hawe tied in good faith to comect the peoblem with the merchant, you may have the fight not to pay the remaining amount due on the purchase. To use this right, the following must be tre: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM of with 3 check that accesses your credit card account do not qualify, and 2} You must nat yet have fully paid for the purchase. If al of the criteria above ave met and you are stil dissatisfied with the purchase, contact us in weting at: Capital One P.O. Bax 30285 Salt Lake City, UT 84130-0285 While we investigate, the same rules apely to the disputed amount as discussed above. After we finish our investigation, we wil tell you our decéien. Ar that point, if we think you owe an amount and you do not pay we May report you as delinquent. © 2015 Capkal One. Capital One is a federally regisnered service mark. ETC-08 02015 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123844

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Platinum MasterCard NEW BALANCE MINIMUM PAYMENT $90.85 $25.00 Previous Balance Payments and Credits $155.76 - $70.00 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year 2of 2 Customer Service www.capitalone.com Account ending in DUE DATE $2.77 $2.77 $59.00 $11.90 May 12, 2015 Fees and Interest Charged $2.77 Mar. 16 - Apr. 15, 2015 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $2.32 31 Days in Billing Cyde $200.00 $109.15 $100.00 $100.00 New Balance $90.85 EFTA00123845

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Page 1 of 2 Customer Service Apr. 16 -May. 15,2015 30 Days in Billing Cyde www.capitalone.com ee A wil pay more in interest and ft will take you longer to pay off your balance. For example: Platinum MasterCard Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made ‘Statement Balance Total Cost $42.45 $25.00 Jun 12, 2015 Manmum Payemect 2 Monts) “ Htyou would like information about credit counsaling services, call ii” PLEASE PAY AT LEAST THES AMOUNT | LATE PAYMENT WARNING: twe do not receive your minimum payment by your due dale, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | %04™ayheve t pay alete fe of up to $12.00, Available Credit: $157.55 Available Credit for Cash Advances: $100.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $90.85 - $50.00 + $1.60 + $0.00 = $42.45 New York residents may contact the New York State Department af Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the It's easy to set up your New York State Department of Financial Services: — or www.dis.ny.gov_ [An{4 account alerts: (TRANSACTIONS ) : PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS (I First, “Log In* to Online Banking. Next, sign up by 1 12 MAY Cap 1 ElecPhonePmt VRUAuthDate 12-MAY ($50.00) 1. Clicking "Messaging and Alerts” 2. Clicking “Set Alerts” TRANSACTIONS FOR PHILLIP | Wwituams J 3. Choosing the free alerts you'd like to receive Your carrier may charge a fee for each text message alert you receive 300007-€ FEES Total Fees This Period $0.00 INTEREST CHARGE CALCULATION INTEREST CHARGED 1 \ INTEREST CHARGE:PURCHASES $1.60 Your Annual Percentage _ (APR) is the on “ rate on your account. Total interest This Period $1.60 Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Purchases 22.90% P $85.00 $1.60 Cash Advances 24.90% P $0.00 $0.00 . P.LD,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 * PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee capiras Re Account ending in Due Date New Balance Minimum Payment Amount Enclosed LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll Jun 12, 2015 $42.45 $25.00 . PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN; NY 11234-4029 Capital One Bank (USA); N-A- P.0. Box 71083 PUY Mar hase TT | Charlotte, NC 28272-1083 He ee et ee EFTA00123846

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How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for ome Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 for each Billing Cycle if your account is subject to an Interest Charge. How de you Calculate the Interest Charge? We use a method called Average Daily Balance (indudieg new Transactions). 1 First, for each segment we take the beginning balance each day and add in new transactions and the periodic linmerest 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, @ your previous Statement balance was 2ef0 oF 3 @edit amount, new barsactions 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 mumber af days in the Billing Cycle. The result is the Average Daily Balance far each segment. 3. An the end af each Biling Cyde, we multiply your Average Daly Balance for each seamen by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the resuk by the number of days in the Biling Cycle. We add the Inmerest Charges for all segments together. The resuft is your total Interest Charge for the Biling Cyce. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on ane of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accourk, look for a lemer code ‘on the trot of this statement next to your APA(s). Then check the table below: ‘When your APR(s) will change Index + margin (previously disclosed to you) Prime Rae + maegin 3 month LIBOR + maegin The fiest day af the Bling Cycles that end in Jan. Apel, July, and Oct. Prime Rate + margin 1 month LIBOR + margin ‘The first day of each Billing Cyde. How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual membership Fee by contacting Customer Service ro larer 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 8 monthly membership Fee, dase your account, and we wil stop assessing your monthly membership Fee. How can | Close My Account? You can contact Customer Service anytime to request that we dese your come. How do | Make Payments? You may make your payment in several ways: 1. Online and logging into your account; 2. Capita One Mobile Banting app for apeeoved decronk devices; 3. Teleghone Voice Response System by dialing the telephone mamber listed on the front af this staremert and following the weice prompts; 4. Calling the telephone pumber Ested on the frort of this statement and providing your information to our representative, 5. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Changing Address? TOSS .resscnpsssrarencncscastocssssessstaasverssonccenacera roses Home PHONE .........cccrssoressocorscsccerceresccorerecsersecsscsseses Alternate Phone ......c..0cscecceeserereesees cecceceuteeeteeetecsensee E-mail Q AGGTORS ..c0sccsscercsesnesene: coos eeaeeeeueeeuseuceuuueueuuuueuseuues Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 3 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tartar from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. For mobile, online of over the phone, as of the business day we receive it, as long as they are made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the botiam portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other location or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR}, and then to balances with higher APRs. We apply any part of your payment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Doss not Appy 'p Small Business Accourms) What To Do Hf You Think You Find A Mistake On Your Statement: I you think there is an emer on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 In your lecter, give us the following infomation: ‘Account infcemation: Your name and account rumber. Dollar amourt: The dolar amourt of the suspected error. Description of Problem: if you think there is an emer on your bil, describe what you belewe is wrong and why you beleve it & a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fot required te investigate any potential errors and you may hawe to pay the amount in question. We wil notiy you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an erroy, the folowing are fue We careet try to collect the ammount in question, of report you 3s delinquent on that amount. The charge in question may remain on your starement, and we May continue to charge you ienerest on that amount. But, if we determine that we made a mistake, you will not have to pay the amourt in question of any interest or other fees related to that amount. While you de mot have to pay the amount in question until we send you 2 motice about the outcome of our investigation, you are resporsible for the remainder of your balance. ‘We can apply sey unpaid amount against your credit Emit. Within 90 days of our receipx of your letter, we will send you a written notice explaining ether that we corrected the error (to appear an your reat statemerc) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you hawe tied in good faith to comect the peoblem with the merchant, you may have the fight not to pay the remaining amount due on the purchase. To use this right, the following must be tre: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM of with 3 check that accesses your credit card account do not qualify, and 2} You must nat yet have fully paid for the purchase. If al of the criteria above ave met and you are stil dissatisfied with the purchase, contact us in weting at: Capital One P.O. Bax 30285 Salt Lake City, UT 84130-0285 While we investigate, the same rules apely to the disputed amount as discussed above. After we finish our investigation, we wil tell you our decéien. Ar that point, if we think you owe an amount and you do not pay we May report you as delinquent. © 2015 Capkal One. Capital One is a federally regisnered service mark. ETC-08 02015 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123847

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2of 2 —= Apr. 16-May. 15,2015 30 Days in Billing Cyde www.capitalone.com ee Credit Limit: $200.00 Platinum MasterCard Account ending in ; Available Credit: $157.55 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit: $100.00 $42.45 $25.00 dun 12, 2015 Available Credit for Cash Advances: $100.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $90.85 - $50.00 + $1.60 + $0.00 F $42.45 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year $59.00 Total Interest This Year $13.50 EFTA00123848

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Page 1 of 2 Customer Service IE May. 16 - Jun. 15,2015 31 Days in Billing Cyde www.capitalone.com nena sant, fete tvttamverrencsrol wil pay more in interest and ft wil take you longer to pay off your balance. For example: Platinum MasterCard Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $21.22 Jul 12, 2015 Marmum Payemect Months) sa Htyou would like information about credit counsaling services, call m7 PLEASE PAY AT LEAST THES AMOUNT | LATE PAYMENT WARNING: Ifwe do not receive your minimum payment by your due dale, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | ¥04™ayhevet pay alete fe of up to $12.00, Available Credit: $178.78 Available Credit for Cash Advances: $100.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $42.45 - $75.00 + $20.40 + $33.37 = $21.22 New York residents may contact the New York State Department af Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the Lf New York State Department of Finandal Services: a or www.dis.ny.gov_ Don t understand = (TRANSACTIONS ] credit? PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS I 1 ‘ 1 13JUN Cap 1 DebitCardPhonePmt AuthDate 13-Jun ($75.00) That's because you've never had a teacher like this: TRANSACTIONS FOR PHILLIP | WILLIAMS capitalone.com/financialeducation 1 15 MAY DUNKIN #338398 Q3S5JERICHONY $8.13 Chec on your schedule, 24/7 2 15 MAY SUNOCO 0007155517 QPSBROOKLYNNY $25.24 ROCK Ou On your SChECUEE, 247 300014-C Total for Phillip | Williams $33.37 P Total Transactions This Period $93.37 INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate (APR) is the annual interest rate on your account. 1 12 JUN PAST DUE FEE $19.00 Type of Balance Annual Percentage Balance Subject to Interest Charge Total Fees This Period $19.00 wre Rate (APR) Interest Rate 9 Purchases 22.90% P $71.72 $1.40 Cash Advances 24.90% P $0.00 $0.00 . P.L,D,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 * PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee : Account ending in Due Date New Balance Minimum Payment Amount Enclosed LESS WASTE! Jul 12, 2015 $21.22 $21.22 . Since you haven't been sending your payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA). N-A. P.0. Box 71043 TTTTST ELT CLT MEY Lan Gee LL TTL Fee a Charlottes NC 28272-1083 ee EFTA00123849

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How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for ome Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 for each Billing Cycle if your account is subject to an Interest Charge. How de you Calculate the Interest Charge? We use a method called Average Daily Balance (indudieg new Transactions). 1 First, for each segment we take the beginning balance each day and add in new transactions and the periodic linmerest 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, @ your previous Statement balance was 2ef0 oF 3 @edit amount, new barsactions 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 mumber af days in the Billing Cycle. The result is the Average Daily Balance far each segment. 3. An the end af each Biling Cyde, we multiply your Average Daly Balance for each seamen by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cycle. We add the Inmerest Charges for all segments together. The resuft is your total Interest Charge for the Biling Cyce. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on ane of the following reported indices (reported in The Wail Street Journal). To find which index is used for your account, look for a lemer code ‘on the trot of this statement next to your APA(s). Then check the table below: How do we calculate your APR(s)? Index + margin (previously disclosed to you) ‘When your APR(s) will change Prime Rate + margin 3 menth LIBOR + margin The fiest day af the Bling Cycles that end in Jan. Apel, July, and Oct. Prime Rate + margin 1 month LIBOR + margin ‘The first day of each Billing Cyde. How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual membership Fee by contacting Customer Service no laver 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 8 monthly membership Fee, dase your account, and we wil stop assessing your monthly membership Fee. How can | Close My Account? You can contact Customer Service anytime to request that we dese your come. How do | Make Payments? You may make your payment in several ways: 1. Online and logging into your account; 2. Capita One Mobile Banting app for apeeoved decronk devices; 3. Teleghone Voice Response System by dialing the telephone mamber listed on the front af this staremert and following the weice prompts; 4. Calling the telephone pumber Ested on the frort of this statement and providing your information to our representative, 5. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Changing Address? TOSS .resscnpsssrarencncscastocssssessstaasverssonccenacera roses Home PHONE .........cccrssoressocorscsccerceresccorerecsersecsscsseses Alternate Phone ........ccccccecceeeeseerseeseee secceeeeceeetseenseseneee E-mail Q Addr@SS oo... ceecceecceeeeee eS eS ee vires Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 3 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make & payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tartar from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, online of over the phone, as of the business day we receive it, as long as they are made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other location or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR}, and then to balances with higher APRs. We apply any part of your payment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Doss not Appy 'p Small Business Accourms) What To Do Hf You Think You Find A Mistake On Your Statement: I you think there is an emer on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 In your lecter, give us the following infomation: ‘Account infcemation: Your name and account rumber. Dollar amourt: The dolar amourt of the suspected error. Description of Problem: if you think there is an error on your bil, describe what you belewe is wrong and why you beleve it & a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fot required te investigate any potential errors and you may hawe to pay the amount in question. We wil notiy you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an erroy, the folowing are fue We careet try to collect the ammount in question, of report you 3s delinquent on that amount. The charge in question may remain on your starement, and we May continue to charge you ienerest on that amount. But, if we determine that we made a mistake, you will not have to pay the amourt in question ar any interest or other fees related to that amount. While you de mot have to pay the amount in question until we send you 2 motice about the outcome of our investigation, you are resporsible for the remainder of your balance. ‘We can apply sey unpaid amount against your credit Emit. Within 90 days of our receipx of your letter, we will send you a written notice explaining ether that we corrected the error (to appear an your reat statemerc) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you hawe tied in good faith to comect the peoblem with the merchant, you may have the fight not to pay the remaining amount due on the purchase. To use this right, the following must be tre: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM of with 3 check that accesses your credit card account do not qualify, and 2} You must nat yet have fully paid for the purchase. If al of the criteria above ave met and you are stil dissatisfied with the purchase, contact us in weting at: Capital One P.O. Bax 30285 Salt Lake City, UT 84130-0285 While we investigate, the same rules apely to the disputed amount as discussed above. After we finish our investigation, we wil tell you our decéien. Ar that point, if we think you owe an amount and you do not pay we May report you as delinquent. © 2015 Capkal One. Capital One is a federally regisnered service mark. ETC-08 02015 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123850

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2of 2 . Customer Service| www.capitalone.com Platinum MasterCard Account ending in NEW BALANCE MINIMUM PAYMENT DUE DATE $21.22 $21.22 dul 12, 2015 Previous Balance Payments and Credits Fees and Interest Charged $42.45 - $75.00 + $20.40 TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PURCHASES $1.40 Total Interest This Period $1.40 TOTALS YEAR TO DATE Total Fees This Year $78.00 Total Interest This Year $14.90 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One May. 16 - Jun. 15, 2015 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $33.37 31 Days in Billing Cyde $200.00 $178.78 $100.00 $100.00 New Balance $21.22 EFTA00123851

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Page 1 of 2 Customer Service Jun. 16 - Jul. 15,2015 30 Days in Billing Cyde www.capitalone.com ES nee nae eine Nien torte wil pay more in interest and ft wil take you longer to pay off your balance. For example: Platinum Card Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $77.54 $25.00 Aug 12, 2015 Mido Pegmnart Mortis) st if you would lke information about credit counsaiing services, call t PLEASE PAY AT LEAST THES AMOUNT LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | ¥04™ayheve tw pay alete te of up to $12.00, Available Credit: $122.46 Available Credit for Cash Advances: $100.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $21.22 - $50.00 + $0.50 + $105.82 = $77.54 New York residents may contact the New York State Department af Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the ( New York State Department of Finandal Services: a or www.dis.ny.gov_ . YOU ARE HERE. WE ARE TOO. ( TRANSACTIONS } - Check your balance directly from your PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS J phone and: 1 13 JUL Cap 1 ElectronicPhonePmtAuthDate 12-JUL ($50.00) > View recent transactions > Pay your Capital One® bill > Check your rewards balance TRANSACTIONS FOR PHILLIP | WILLIAMS [i 1 18 JUN SPEEDWAY O7 655SJERICHONY $20.14 Go to m.capitalone.com on your mobile device 2.20 JUN POPEYES CHIKCENBROOKLYNNY $20.68 and manage your account at the speed of you 3 22, JUN QUEENS BL FILL N’ WQ39LONG ISLAND CNY $13.00 300629-¢ 4 24 JUN MTA BRIDGES AND TUNNELNEW YORKNY $32.00 5 13 JUL QUEENS BL FILL N’ WQ39LONG ISLAND CNY $20.00 INTEREST CHARGE CALCULATION Total for Phillip | Williams: 05.82 lip = "1 Your Annual Percentage Rate (APR) is the annual interest rate on your account. P Total Transactions This Period $105.82 Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge FEES Purchases 22.90% P $19.29 $0.00 Cash Advances 24.90% P $0.00 $0.00 . P.LD,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 * PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee : Account ending in Due Date New Balance Minimum Payment Amount Enclosed LESS WASTE! Since you haven't been sending your 12, 201 : . Aug 12, 2015 $77.54 $5.0 payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN. NY 11234-4029 Capital One Bank (USA). N-A. P.O. Box 71043 PTs es Toi Charlotte. NC 28272-1083 ee EFTA00123852

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How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for ome Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 for each Billing Cycle if your account is subject to an Interest Charge. How de you Calculate the Interest Charge? We use a method called Average Daily Balance (indudieg new Transactions). 1 First, for each segment we take the beginning balance each day and add in new transactions and the periodic linmerest 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, @ your previous Statement balance was 2ef0 oF 3 @edit amount, new barsactions 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 mumber af days in the Billing Cycle. The result is the Average Daily Balance far each segment. 3. An the end af each Biling Cyde, we multiply your Average Daly Balance for each seamen by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cycle. We add the Inmerest Charges for all segments together. The resuft is your total Interest Charge for the Biling Cyce. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on ane of the following reported indices (reported in The Wail Street Journal). To find which index is used for your account, look for a lemer code ‘on the trot of this statement next to your APA(s). Then check the table below: How do we calculate your APR(s)? Index + margin (previously disclosed to you) ‘When your APR(s) will change Prime Rate + margin 3 menth LIBOR + margin The fiest day af the Bling Cycles that end in Jan. Apel, July, and Oct. Prime Rate + margin 1 month LIBOR + margin ‘The first day of each Billing Cyde. How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual membership Fee by contacting Customer Service no laver 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 8 monthly membership Fee, dase your account, and we wil stop assessing your monthly membership Fee. How can | Close My Account? You can contact Customer Service anytime to request that we dese your come. How do | Make Payments? You may make your payment in several ways: 1. Online and logging into your account; 2. Capita One Mobile Banting app for apeeoved decronk devices; 3. Teleghone Voice Response System by dialing the telephone mamber listed on the front af this staremert and following the weice prompts; 4. Calling the telephone pumber Ested on the frort of this statement and providing your information to our representative, 5. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Changing Address? TOSS .resscnpsssrarencncscastocssssessstaasverssonccenacera roses Home PHONE .........cccrssoressocorscsccerceresccorerecsersecsscsseses Alternate Phone ........ccccccecceeeeseerseeseee secceeeeceeetseenseseneee E-mail Q Addr@SS oo... ceecceecceeeeee eS eS ee vires Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 3 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make & payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tartar from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, online of over the phone, as of the business day we receive it, as long as they are made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other location or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR}, and then to balances with higher APRs. We apply any part of your payment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Doss not Appy 'p Small Business Accourms) What To Do Hf You Think You Find A Mistake On Your Statement: I you think there is an emer on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 In your lecter, give us the following infomation: ‘Account infcemation: Your name and account rumber. Dollar amourt: The dolar amourt of the suspected error. Description of Problem: if you think there is an error on your bil, describe what you belewe is wrong and why you beleve it & a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fot required te investigate any potential errors and you may hawe to pay the amount in question. We wil notiy you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an erroy, the folowing are fue We careet try to collect the ammount in question, of report you 3s delinquent on that amount. The charge in question may remain on your starement, and we May continue to charge you ienerest on that amount. But, if we determine that we made a mistake, you will not have to pay the amourt in question ar any interest or other fees related to that amount. While you de mot have to pay the amount in question until we send you 2 motice about the outcome of our investigation, you are resporsible for the remainder of your balance. ‘We can apply sey unpaid amount against your credit Emit. Within 90 days of our receipx of your letter, we will send you a written notice explaining ether that we corrected the error (to appear an your reat statemerc) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you hawe tied in good faith to comect the peoblem with the merchant, you may have the fight not to pay the remaining amount due on the purchase. To use this right, the following must be tre: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM of with 3 check that accesses your credit card account do not qualify, and 2} You must nat yet have fully paid for the purchase. If al of the criteria above ave met and you are stil dissatisfied with the purchase, contact us in weting at: Capital One P.O. Bax 30285 Salt Lake City, UT 84130-0285 While we investigate, the same rules apely to the disputed amount as discussed above. After we finish our investigation, we wil tell you our decéien. Ar that point, if we think you owe an amount and you do not pay we May report you as delinquent. © 2015 Capkal One. Capital One is a federally regisnered service mark. ETC-08 02015 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123853

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cane al Platinum MasterCard NEW BALANCE MINIMUM PAYMENT $77.54 $25.00 Previous Balance Payments and Credits $21.22 - $50.00 TRANSACTIONS CONTINUED FEES (CONTINUED) 1 15JUL MINIMUM INTEREST CHARGE Total Fees This Period INTEREST CHARGED Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year www.capitalone.com Account ending in i DUE DATE Aug 12, 2015 Fees and Interest Charged $0.50 $0.50 $0.00 $78.50 $14.90 $0.50 Jun. 16 - Jul. 15, 2015 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $105.82 F 30 Days in Billing Cyde $200.00 $122.46 $100.00 $100.00 New Balance $77.54 EFTA00123854

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Page 1 of 2 Customer Service Jul. 16 - Aug. 15,2015 31 Days in Billing Cyde www.capitalone.com ED Serene eee, Frvatont tevtterreretnciotre wil pay more in interest and ft will take you longer to pay off your balance. For example: Platinum MasterCard Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $151.28 $25.00 Sep 12, 2015 Mite Pageant 8 Mortis} sus Htyou would like information about credit counsaling services, call ii” PLEASE PAY AT LEAST THIS AMOUNT | LATE PAYMENT WARNING: | we do not receive your minimum peymert by your due date, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | ¥04™ayheve t pay alete fe of up to $12.00, Available Credit: $48.72 Available Credit for Cash Advances: $48.72 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $77.54 - $119.00 + $3.24 + $189.50 = $151.28 New York residents may contact the New York State Department af Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the It’s easy to set up your New York State Department of Financial Services a or www.dis.ny.gov. . account alerts: (TRANSACTIONS ) Wek er bhi leah clien Vink cn mien PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS [I TOR LO DN PLN eA HEIR OI LOY 1 12JUN PAST DUE FEE ADJUSTMENTNT ($19.00) 1. Clicking “Messaging and Alerts” 2 23 JUL Cap 1 DebitCardPhonePrmt AuthDate 22-ju ($50.00) 2. Clicking "Set Alerts” 3-13 AUG Cap 1 DebitCardPhonePmt AuthDate 12-Aug ($50.00) 3. Choosing the free alerts you'd like to receive Your carrier may charge a fee for each text message alert you recel TRANSACTIONS FOR PHILLIP | WILLIAMS J Ee OL ae . ge alert you receive, 1 13JUL Rin ElectraniePhonePmt $50.00 iene 2 15 JUL DUNKIN #338398 —Q3SJERICHONY $30.68 3 22JUL DUNKIN #304160 Q35UNIONDALENY $20.03 4 24 JUL SNAPPY'S SOSCLEARFIELDPA $45.00 INTEREST CHARGE CALCULATION 5 28JUL SUNOCO 0007155517 QPSBROOKLYNNY $25.01 Your Annual Percentage Rate (APR) is the annual interest rate on your account. 6 — 28JUL MCDONALD'S F10528NEW YORKNY $12.60 Annual Percenta ; ge Balance Subject to 7 29JUL MCDONALD'S F32835NEW YORKNY $6.18 Type of Batance Rate (APR) Interest Rate -*(Mterest Charge Total for Phillip | Wiliams $189.50 Purchases 22.90% P $161.99 $3.15 Cash Advances 24.90% P $0.00 $0.00 . P.LD,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 * PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee 7 Account ending in Due Date New Balance Minimum Payment Amount Enclosed LESS WASTE! Since you haven't been sending your Sep 12, 201 151 : . ; ants $151.26 $5.0 payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA). N-A. P.O. Box 71043 Ye tte bee Charlotte. NC 28272-1083 He ee et ee EFTA00123855

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How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for ome Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 for each Billing Cycle if your account is subject to an Interest Charge. How de you Calculate the Interest Charge? We use a method called Average Daily Balance (indudieg new Transactions). 1 First, for each segment we take the beginning balance each day and add in new transactions and the periodic linmerest 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, @ your previous Statement balance was 2ef0 oF 3 @edit amount, new barsactions 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 mumber af days in the Billing Cycle. The result is the Average Daily Balance far each segment. 3. An the end af each Biling Cyde, we multiply your Average Daly Balance for each seamen by the daily periodic rate (APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cycle. We add the Inmerest Charges for all segments together. The resuft is your total Interest Charge for the Biling Cyce. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on ane of the following reported indices (reported in The Wail Street Journal). To find which index is used for your account, look for a lemer code ‘on the trot of this statement next to your APA(s). Then check the table below: How do we calculate your APR(s)? Index + margin (previously disclosed to you) ‘When your APR(s) will change Prime Rate + margin 3 menth LIBOR + margin The fiest day af the Bling Cycles that end in Jan. Apel, July, and Oct. Prime Rate + margin 1 month LIBOR + margin ‘The first day of each Billing Cyde. How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual membership Fee by contacting Customer Service no laver 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 8 monthly membership Fee, dase your account, and we wil stop assessing your monthly membership Fee. How can | Close My Account? You can contact Customer Service anytime to request that we dese your come. How do | Make Payments? You may make your payment in several ways: 1. Online and logging into your account; 2. Capita One Mobile Banting app for apeeoved decronk devices; 3. Teleghone Voice Response System by dialing the telephone mamber listed on the front af this staremert and following the weice prompts; 4. Calling the telephone pumber Ested on the frort of this statement and providing your information to our representative, 5. Sending mail payments to the address on the front of this statement with the payment coupon or your account information. Changing Address? TOSS .resscnpsssrarencncscastocssssessstaasverssonccenacera roses Home PHONE .........cccrssoressocorscsccerceresccorerecsersecsscsseses Alternate Phone ........ccccccecceeeeseerseeseee secceeeeceeetseenseseneee E-mail Q Addr@SS oo... ceecceecceeeeee eS eS ee vires Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 3 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make & payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tartar from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, online of over the phone, as of the business day we receive it, as long as they are made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other location or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR}, and then to balances with higher APRs. We apply any part of your payment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Doss not Appy 'p Small Business Accourms) What To Do Hf You Think You Find A Mistake On Your Statement: I you think there is an emer on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 In your lecter, give us the following infomation: ‘Account infcemation: Your name and account rumber. Dollar amourt: The dolar amourt of the suspected error. Description of Problem: if you think there is an error on your bil, describe what you belewe is wrong and why you beleve it & a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fot required te investigate any potential errors and you may hawe to pay the amount in question. We wil notiy you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an erroy, the folowing are fue We careet try to collect the ammount in question, of report you 3s delinquent on that amount. The charge in question may remain on your starement, and we May continue to charge you ienerest on that amount. But, if we determine that we made a mistake, you will not have to pay the amourt in question ar any interest or other fees related to that amount. While you de mot have to pay the amount in question until we send you 2 motice about the outcome of our investigation, you are resporsible for the remainder of your balance. ‘We can apply sey unpaid amount against your credit Emit. Within 90 days of our receipx of your letter, we will send you a written notice explaining ether that we corrected the error (to appear an your reat statemerc) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you hawe tied in good faith to comect the peoblem with the merchant, you may have the fight not to pay the remaining amount due on the purchase. To use this right, the following must be tre: 1) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM of with 3 check that accesses your credit card account do not qualify, and 2} You must nat yet have fully paid for the purchase. If al of the criteria above ave met and you are stil dissatisfied with the purchase, contact us in weting at: Capital One P.O. Bax 30285 Salt Lake City, UT 84130-0285 While we investigate, the same rules apely to the disputed amount as discussed above. After we finish our investigation, we wil tell you our decéien. Ar that point, if we think you owe an amount and you do not pay we May report you as delinquent. © 2015 Capkal One. Capital One is a federally regisnered service mark. ETC-08 02015 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123856

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CapitatChe Platinum MasterCard NEW BALANCE MINIMUM PAYMENT $151.28 $25.00 Previous Balance Payments and Credits $77.54 - $119.00 TRANSACTIONS CONTINUED > Tota Transactions This Period FEES Total Fees This Period INTEREST CHARGED INTEREST CHARGE ADJUSTMENT INTEREST CHARGE:PURCHASES Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year 2of 2 Customer Service www.capitalone.com Account ending in DUE DATE Sep 12, 2015 Fees and Interest Charged $189.50 $0.00 $0.09 $3.15 $3.24 $59.50 $18.14 $3.24 Jul. 16 - Aug. 15, 2015 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $189.50 F 31 Days in Billing Cyde $200.00 $48.72 $100.00 $48.72 New Balance $151.28 EFTA00123857

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Page 1 of 3 Customer Service Aug. 16 - Sep. 15,2015 31 Days in Billing Cyde www.capitalone.com MINIMUM PAYMENT WARNING: If yourmake only the minimum payment each patio, you wil pay more in interest and ft will take you longer to pay off your balance. For example: Platinum MasterCard Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $190.74 $51.00 Oct 12, 2015 Medenrn Paget 8 Months) #6 Ifyou would like information about credit counsaiing services, call t PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not recelve your minimum payment by your due date, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | %04™ayhevet pay alete fe of up to $12.00, Available Credit: $9.26 Available Credit for Cash Advances: $9.26 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $190.74 $151.28 - $0.00 + $22.35 + $17.11 For questions about this account, please give us a call at 1-800-955-6600. We'll be glad to help you Manday through Friday fron 8 a.m. to 11 p.m. ET, and Saturday and Sunday — - crate elp is available ie Department af Financial Services to He Avoid missing future payments by setting up free, customizable account alerts. Enroll in online banking or log into your account at capitalone.com New York residents may coritact the New York obtain a comparative listing of credit card rates New York State Department of Finandal Services. (TRANSACTIONS ) PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS I 300045-C TRANSACTIONS FOR PHILLIP | WILLIAMS [i 1 15 AUG NEWSLINK 8 1024 NMAVMIAMIFL $17.1 Total for Phillip | Wiliams $17.11 INTEREST CHARGE CALCULATION P Total Transactions This Period $17.11 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Fees Type of Balance Rate (APR) Interest Rate Interest Charge 1 12 SEP PAST DUE FEE $19.00 Purchases 22.90% P $172.43 $3.35 Total Fees This Period $19.00 Cash Advances 24.90% P $0.00 $0.00 . P.LD,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 * PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee : Account ending in Due Date New Balance Minimum Payment Amount Enclosed Take Advantage. Take Control. Oot 12,2015 $190.74 $51.00 . Manage your account online at www.capitalone.com PLEASE PAY AT LEAST THIS AMOUNT * Set up account alerts * Review account information * Manage account in pr janage your account in privacy soon20 PHILLIP I WILLIAMS Capital One Bank (USA). N-A. ' P.0. Box 71083 | Charlottes NC 28272-1083 ee EFTA00123858 BROOKLYN, NY 11234-4029 ATER | Lee

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Alternate Phone .... How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for one Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 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 (indudieg 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 cof that day. The result is the daily balance for each segment. However, # you paid your previous month's balance in full (or your previous statement balance was zero of 8 credit amount), new transactions which post Wo your purchase segment are not added to the daily balance. 2. Nest, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each seartent. 3. Atthe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periedic rate {APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cyde. We add the Interest Charges for all segments together. The resuk is your total Inerest Charge for the Biling Cycle. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on one of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accoure, look for a leer code ‘on the trot of this statement next to your APAls). Then check the table below: When your APR(s) will change Index + margin (previously disclosed to you) Prime Rate + margin J menth UBOR + margin The fiest day af the Bling Cycles that end in Jan., Apel, Juby, and Oct. ‘The first day of each Billing Cyde. Prime Rate + margin 1 menth UBOR + margin How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual 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 monthly membership Fee, dase your account and we will stop assessing your monthly membership Fee. Mane cant Clase My Account? You can contact Customer Service anytime to request that we dese your vow dot Make Payments You may make your payment in several ways: 1. Online and logging inte your account; 2. Capital One Mabie Barking app for apgeaved electronic devices; 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number listed on the front of this statement and providing your ifommation to our fepeesentative; 5. Sending mail payments to the address on the front of this statement with the payment coupan or your account information. Changing Address? Address Home PHONE .........ccccresoresrocorscsccerceresscorerrecsersecsncsseses E-mail Address Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 8 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tarster from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, enline of over the phane, as of the business day we receive it, as long as & is made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other lecation or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR), and then to balances with higher APRs. We apply arty part of your payment 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 Smal! Susimess Accourn's) What To Do ff You Think You Find A Mistake On Your Statement: If you think there is an emer on your statemerk, 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 infomation: Your name and account rumber. Dollar amourt: The dollar amourt of the suspected error. Description of Problem: f you think there is an error on your bil, describe what you belewe is wrong and why you beleve its a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fet required te investigate any potential errors and you may hawe to pay the amount in question. We wil notily you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an eres, the folowing are fue We caret try to collect the amount in question, of reper you 3s delinquert on that amount. The charge in question may remain on your statement, and we may continue to charge you innerest om that amount. But, if we determine that we made a mistake, you will net have to pay the amourt in question of any interest or other fees felated to that amount. While you de mot have to pay the amount in question until we send you notice about the outcome of our inwestigation, you are responsible for the remainder af your balance. ‘We can apply aey unpaid amount against your cred® Emit. Within 90 days of our receipe of your letter, we will send you a written notice explaining ether that we corrected the error (to appear on your neat statement) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith 00 comect the peoblem 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 trae: 1) You must hawe used your credit card for the purchase. Purchases made with cash advances from an ATM o¢ with 3 check that accesses your credit card account do not qualify, and 2} You must not yet hawe fully paid for the purchase. If al of the criteria above ave met and you are stil 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. Ar that point, if we think you owe an amount and you de net pay we may report you as delinquent. © 2015 Capkal One. Capital One is a federally registered service mark. FICS 08/29/15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123859

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2of 3 . Customer Service| www.capitalone.com Platinum MasterCard Account ending in NEW BALANCE MINIMUM PAYMENT DUE DATE $190.74 $51.00 Oct 12, 2015 Previous Balance Payments and Credits Fees and Interest Charged $151.28 - $0.00 + $22.35 TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PURCHASES $3.35 Total Interest This Period $3.35 TOTALS YEAR TO DATE Total Fees This Year $78.50 Total Interest This Year $21.49 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One Aug. 16 - Sep. 15, 2015 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $17.11 31 Days in Billing Cyde $200.00 $9.26 $100.00 $9.26 New Balance $190.74 EFTA00123860

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Rev. 07/2015 201213 Pe 4 CapitalOne WHAT DOES CAPITAL ONE® DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: = Social Security number and income = Account balances and payment history = Account transactions and credit card or other debt All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Capital One chooses to share; and whether you can limit this sharing. Does Capital One Can you limit this share? sharing? Reasons we can share your personal information For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes — to offer our products and services to you For joint marketing with other financial companies For our affiliates’ everyday business purposes — information YES YES about your transactions and experiences For our affiliates’ everyday business purposes — information about your creditworthiness For our affiliates to market to you For nonaffiliates to market to you = Call us toll free: 1-888-817-2970 — our menu will prompt you through your choices. To limit our sharing Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Go to www.capitalone.com/contactus OID:17697 Please Recycle EFTA00123861

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fPage2 2 Who we are Who is providing this notice? Our affiliates include financial companies with the Capital One, Chevy Chase, Onyx, and Greenpoint names, such as Capital One Bank (USA), National Association; and Capital One, National Association. What we do How does Capital One . To protect your personal information from unauthorized access and use, protect my personal information? | we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does Capital One collect my | We collect your personal information, for example, when you personal information? = Open an account or deposit money = Pay your bills or apply for a loan = Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can’t | limit all sharing? Federal law gives you the right to limit only = Sharing for affiliates’ everyday business purposes — information about your creditworthiness = Affiliates from using your information to market to you ® Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. What happens when I limit Your choices will apply to everyone on your account. sharing for an account | hold jointly with someone else? Definitions Companies related by common ownership or control. They can be financial and nonfinancial companies. ® Our affiliates include financial companies with the Capital One, Chevy Chase, Onyx, and Greenpoint names, such as Capital One Bank (USA), National Association; and Capital One, National Association. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. ® Nonaffiliates we share with can include insurance companies, service providers, co-branded partners, retailers, data processors, and advertisers. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. = Our joint marketing partners include companies such as other banks and insurance companies. Other important information CA and VT Residents: We will not share your information with companies outside of Capital One, except for our everyday business purposes, for marketing our products and services to you, or with your consent. VT Residents only: We will not disclose credit information about you within or outside the Capital One family of companies except as required or permitted by law. NV Residents: Notice provided pursuant to state law. To be placed on our internal Do Not Call List, call 1-888-817-2970. If you would like more information about telemarketing practices, you may contact us at Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285 or webinfo@canitalone.com. For more on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 1-702-486-3132; e-ruail: BOPINFO@ag stale bv us. Telephone Communications: All telephone communications with us or our authorized agents may be monitored or recorded. © 2015 Capital One. Capital One is a federally registered service mark. All rights reserved. EFTA00123862

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Page 1 of 2 Customer Service Sep. 16 -Oct.15,2015 30 Days in Billing Cyde www.capitalone.com ED Serene vases, Fevatont tovttereeretrciosetre wil pay more in interest and ft will take you longer to pay off your balance. For example: Platinum Card Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $172.96 $25.00 Nov 12, 2015 Minirum Paymert 9 Months) $189 if you woul like information about credit counseling services, call t PLEASE PAY AT LEAST THES AMOUNT LATE PAYMENT WARNING: | we do not receve your minimum payrnant by your due date, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | °U™=y haveto pay alete fee of up to $12.00 Available Credit: $27.04 Available Credit for Cash Advances: $27.04 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $190.74 - $100.00 + $2.97 + $79.25 = $172.96 New York residents may contact the New York State Department af Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the It’s easy to set up your New York State Department of Financial Services — or www.dis.ny.gov. . account alerts: (TRANSACTIONS ) _ ; PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS [IH Fics: “bagi to Online Rariking, Neat, sign up by: 1 26SEP Cap 1 DebitCardPhonePmt AuthDate 26-Sep ($100.00) 1. Clicking “Messaging and Alerts” 2. Clicking “Set Alerts” 3. Choosing the free alerts you'd like to receive TRANSACTIONS FOR PHILLIP | WILLIAMS [i 1 29 SEP USPS 35098903435910975BROOKLYNNY $8.33 Your carrier may charge a fee for each text message alert you receive. 2 29 SEP NYCDOT PARKING METERSLONG IS OTYNY $4.00 300007-€ 3 30 SEP NYCDOT PARKING M SLONG IS COTYNY $4.00 4 02 OCT NYCDOT PARKING METERSLONG IS CITYNY $4.00 5 04 OCT CHINA NEW STAR REST.BROOKLYNNY $26.62 6 060CT WALDBAUM'S #70240BROOKLYNNY $23.77 INTEREST CHARGE CALCULATION ? 06 OCT 45 DELI MARKETNEW YORKNY $8.53 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total for Phillip | Williams: $79.25 Annual Percentage Balance Subject to |_| Type of Balance Rate (APR) Interest Rate Interest Charge D> Total Trensactons This Period $79.25 Purchases 22.90% P $157.94 $2.97 (Cash Advances 24.90% P $0.00 $0.00 . P.LD,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 * PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee : Account ending in Due Date New Balance Minimum Payment Amount Enclosed LESS WASTE! Nov 12, 2015 $172.96 $25.00 . Since you haven't been sending your payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN. NY 11234-4029 Capital One Bank (USA). N.A. P.O. Box 71043 SO Peed ht fa ba Charlottes NC 28272-1083 PTV haa ea Tbe 0 ee EFTA00123863

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Alternate Phone .... How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for one Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 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 (indudieg 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 cof that day. The result is the daily balance for each segment. However, # you paid your previous month's balance in full (or your previous statement balance was zero of 8 credit amount), new transactions which post Wo your purchase segment are not added to the daily balance. 2. Nest, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each seartent. 3. Atthe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periedic rate {APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cyde. We add the Interest Charges for all segments together. The resuk is your total Inerest Charge for the Biling Cycle. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on one of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accoure, look for a leer code ‘on the trot of this statement next to your APAls). Then check the table below: When your APR(s) will change Index + margin (previously disclosed to you) Prime Rate + margin J menth UBOR + margin The fiest day af the Bling Cycles that end in Jan., Apel, Juby, and Oct. ‘The first day of each Billing Cyde. Prime Rate + margin 1 menth UBOR + margin How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual 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 monthly membership Fee, dase your account and we will stop assessing your monthly membership Fee. Mane cant Clase My Account? You can contact Customer Service anytime to request that we dese your vow dot Make Payments You may make your payment in several ways: 1. Online and logging inte your account; 2. Capital One Mabie Barking app for apgeaved electronic devices; 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number listed on the front of this statement and providing your ifommation to our fepeesentative; 5. Sending mail payments to the address on the front of this statement with the payment coupan or your account information. Changing Address? Address Home PHONE .........ccccresoresrocorscsccerceresscorerrecsersecsncsseses E-mail Address Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 8 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tarster from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, enline of over the phane, as of the business day we receive it, as long as & is made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other lecation or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR), and then to balances with higher APRs. We apply arty part of your payment 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 Smal! Susimess Accourn's) What To Do ff You Think You Find A Mistake On Your Statement: If you think there is an emer on your statemerk, 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 infomation: Your name and account rumber. Dollar amourt: The dollar amourt of the suspected error. Description of Problem: f you think there is an error on your bil, describe what you belewe is wrong and why you beleve its a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fet required te investigate any potential errors and you may hawe to pay the amount in question. We wil notily you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an eres, the folowing are fue We caret try to collect the amount in question, of reper you 3s delinquert on that amount. The charge in question may remain on your statement, and we may continue to charge you innerest om that amount. But, if we determine that we made a mistake, you will net have to pay the amourt in question of any interest or other fees felated to that amount. While you de mot have to pay the amount in question until we send you notice about the outcome of our inwestigation, you are responsible for the remainder af your balance. ‘We can apply aey unpaid amount against your cred® Emit. Within 90 days of our receipe of your letter, we will send you a written notice explaining ether that we corrected the error (to appear on your neat statement) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith 00 comect the peoblem 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 trae: 1) You must hawe used your credit card for the purchase. Purchases made with cash advances from an ATM o¢ with 3 check that accesses your credit card account do not qualify, and 2} You must not yet hawe fully paid for the purchase. If al of the criteria above ave met and you are stil 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. Ar that point, if we think you owe an amount and you de net pay we may report you as delinquent. © 2015 Capkal One. Capital One is a federally registered service mark. FICS 08/29/15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123864

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Capital(he Platinum MasterCard NEW BALANCE MINIMUM PAYMENT $172.96 $25.00 Previous Balance Payments and Credits $190.74 - $100.00 TRANSACTIONS CONTINUED FEES Total Fees This Period INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year 2of 2 Customer Service www.capitalone.com ee Account ending in DUE DATE Nov 12, 2015 Fees and Interest Charged $0.00 $2.97 $2.97 $78.50 $24.46 $2.97 Sep. 16 - Oct. 15, 2015 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $79.25 30 Days in Billing Cyde $200.00 $27.04 $100.00 $27.04 New Balance $172.96 EFTA00123865

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Page 1 of 2 Customer Service Oct. 16 - Nov. 15, 2015 31 Days in Billing Cyde www.capitalone.com ED Serene veces, Freie toterreretecioslre wil pay more in interest and ft will take you longer to pay off your balance. For example: Platinum Card Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $176.35 $25.00 Dec 12, 2015 Marmum Payemect S Monts) st Htyou would like information about credit counsaling services, call ii” PLEASE PAY AT LEAST THES AMOUNT LATE PAYMENT WARNING: fe do nat receive your minimum payment by yaur due date, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | 04™ayhevet pay alete fe of up to $12.00, Available Credit: $23.65 Available Credit for Cash Advances: $23.65 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $172.96 - $50.00 + $22.98 + $30.41 = $176.35 New York residents may contact the New York State Department af Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the It’s easy to set up your New York State Department of Financial Services: — or www.dis.ny.gov_ . account alerts: ( TRANSACTIONS | First, “Log in’ to Online Banking. \N ; by: PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS J PO ONE SER NE SAY ALY 1 14. NOV Payment received. Thank you! ($50.00) 1. Clicking “Messaging and Alerts” 2. Clicking “Set Alerts” TRANSACTIONS FOR PHILLIP 1 WILLLAMS IH 3. Choosing the free alerts you'd like to receive 1 14 OCT SUNOCO 0007155517 QPSBROOKLYNNY $20.08 Your carrier may charge a fee for each text message alert you receive. 2 16 OCT POPEYES CHIKCENBROOKLYNNY $10.33 300007-€ Total for Phillip | Williams $30.41 D> Total Transactions This Period $90.41 INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate (APR) is the annual interest rate on your account. 1 12 NOV PAST DUE FEE $19.00 Type of Balance ANnual Percentage Balance Subjectto 1b oct charge Total Fees This Period $19.00 ve Rate (APR) Interest Rate sd Purchases 22.90% P $204.52 $3.98 Cash Advances 24.90% P $0.00 $0.00 . P.LD,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 * PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee : Account ending in Due Date New Balance Minimum Payment Amount Enclosed LESS WASTE! Dec 12.2015 $176.35 $25.00 . Since you haven't been sending your payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA). N-A- P.O. Box 71043 AUT U CL fata ot bio TU Charlotte. NC 28272-1083 ee EFTA00123866

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Alternate Phone .... How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for one Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 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 (indudieg 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 cof that day. The result is the daily balance for each segment. However, # you paid your previous month's balance in full (or your previous statement balance was zero of 8 credit amount), new transactions which post Wo your purchase segment are not added to the daily balance. 2. Nest, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each seartent. 3. Atthe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periedic rate {APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cyde. We add the Interest Charges for all segments together. The resuk is your total Inerest Charge for the Biling Cycle. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on one of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accoure, look for a leer code ‘on the trot of this statement next to your APAls). Then check the table below: When your APR(s) will change Index + margin (previously disclosed to you) Prime Rate + margin J menth UBOR + margin The fiest day af the Bling Cycles that end in Jan., Apel, Juby, and Oct. ‘The first day of each Billing Cyde. Prime Rate + margin 1 menth UBOR + margin How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual 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 monthly membership Fee, dase your account and we will stop assessing your monthly membership Fee. Mane cant Clase My Account? You can contact Customer Service anytime to request that we dese your vow dot Make Payments You may make your payment in several ways: 1. Online and logging inte your account; 2. Capital One Mabie Barking app for apgeaved electronic devices; 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number listed on the front of this statement and providing your ifommation to our fepeesentative; 5. Sending mail payments to the address on the front of this statement with the payment coupan or your account information. Changing Address? Address Home PHONE .........ccccresoresrocorscsccerceresscorerrecsersecsncsseses E-mail Address Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 8 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tarster from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, enline of over the phane, as of the business day we receive it, as long as & is made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other lecation or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR), and then to balances with higher APRs. We apply arty part of your payment 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 Smal! Susimess Accourn's) What To Do ff You Think You Find A Mistake On Your Statement: If you think there is an emer on your statemerk, 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 infomation: Your name and account rumber. Dollar amourt: The dollar amourt of the suspected error. Description of Problem: f you think there is an error on your bil, describe what you belewe is wrong and why you beleve its a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fet required te investigate any potential errors and you may hawe to pay the amount in question. We wil notily you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an eres, the folowing are fue We caret try to collect the amount in question, of reper you 3s delinquert on that amount. The charge in question may remain on your statement, and we may continue to charge you innerest om that amount. But, if we determine that we made a mistake, you will net have to pay the amourt in question of any interest or other fees felated to that amount. While you de mot have to pay the amount in question until we send you notice about the outcome of our inwestigation, you are responsible for the remainder af your balance. ‘We can apply aey unpaid amount against your cred® Emit. Within 90 days of our receipe of your letter, we will send you a written notice explaining ether that we corrected the error (to appear on your neat statement) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith 00 comect the peoblem 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 trae: 1) You must hawe used your credit card for the purchase. Purchases made with cash advances from an ATM o¢ with 3 check that accesses your credit card account do not qualify, and 2} You must not yet hawe fully paid for the purchase. If al of the criteria above ave met and you are stil 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. Ar that point, if we think you owe an amount and you de net pay we may report you as delinquent. © 2015 Capkal One. Capital One is a federally registered service mark. FICS 08/29/15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123867

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2of 2 . Customer Service| www.capitalone.com Platinum MasterCard Account ending in NEW BALANCE MINIMUM PAYMENT DUE DATE $176.35 $25.00 Dec 12, 2015 Previous Balance Payments and Credits Fees and Interest Charged $172.96 - $50.00 + $22.98 TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PURCHASES $3.98 Total Interest This Period $3.98 TOTALS YEAR TO DATE Total Fees This Year $97.50 Total Interest This Year $28.44 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One Oct. 16 - Nov. 15, 2015 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $30.41 F 31 Days in Billing Cyde $200.00 $23.65 $100.00 $23.65 New Balance $176.35 EFTA00123868

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Page 1 of 2 Customer Sevice www.capitalone.com Nov. 16 - Dec. 15,2015 30 Days in Billing Cyde MINIMUM PAYMENT WARNING: If yournake only the minimum payment each patiod, you wil pay more in imerest and ft will take you longer to pay off your balance. For example: Platnum Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $198.75 $51.00 Jan 12. 2016 Minimum Payment 9 Months) $215 if you woul like information about credit counsaiing services, call t PLEASE PAY AT LEAST THiS AMOUNT LATE PAYMENT WARNING: Hhwe do.nat receive your minimum payment by your due date, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | °™#y have to pay alete fee of up to $12.00 Available Credit: $1.25 Available Credit for Cash Advances: $1.25 Fees and Interest $22.40 Previous Balance Payments and Credits $176.35 $0.00 af questions about this account, to help you Monday through Friday from 8 a.m. to 5 p.m. ET ease give us a call at 1-800-955-6600. We'll be glad rom 8 a.m. to 11 p.m_ ET, and Saturday and Sunday New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates New York State Department of Finandal Services. and grace periods. Contact the (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS I TRANSACTIONS FOR PHILLIP | WILLIAMS [i FEES 1 $19.00 $19.00 12 DEC PAST DUE FEE Total Fees This Period INTEREST CHARGED Transactions continue on page 2 New Balance $198.75 Transactions $0.00 Charged Help is available Avoid missing future payments by setting up free, customizable account alerts. Enroll in online banking or log into your account at capitalone.com 300045-C INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Purchases 22.90% P $180.4 $3.40 Cash Advances 24.90% P $0.00 $0.00 P.LD,F = Variable Rate. See reverse af page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. eee capitate Due Date Account ending in New Balance Minimum Payment Amount Enclosed Jan 12, 2016 $198.75 $51.00 PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 ATT RE URE eT eet) Take Advantage. Take Control. Manage your account online at www.capitalone.com * Set up account alerts * Review account information * Manage account in pr janage your account in privacy 400020 Capital One Bank (USA). N-A. P.0. Box 71043 Charlotte, NC 28272-1043 ee EFTA00123869

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Alternate Phone .... How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for one Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 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 (indudieg 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 cof that day. The result is the daily balance for each segment. However, # you paid your previous month's balance in full (or your previous statement balance was zero of 8 credit amount), new transactions which post Wo your purchase segment are not added to the daily balance. 2. Nest, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each seartent. 3. Atthe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periedic rate {APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cyde. We add the Interest Charges for all segments together. The resuk is your total Inerest Charge for the Biling Cycle. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on one of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accoure, look for a leer code ‘on the trot of this statement next to your APAls). Then check the table below: When your APR(s) will change Index + margin (previously disclosed to you) Prime Rate + margin J menth UBOR + margin The fiest day af the Bling Cycles that end in Jan., Apel, Juby, and Oct. ‘The first day of each Billing Cyde. Prime Rate + margin 1 menth UBOR + margin How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual 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 monthly membership Fee, dase your account and we will stop assessing your monthly membership Fee. Mane cant Clase My Account? You can contact Customer Service anytime to request that we dese your vow dot Make Payments You may make your payment in several ways: 1. Online and logging inte your account; 2. Capital One Mabie Barking app for apgeaved electronic devices; 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number listed on the front of this statement and providing your ifommation to our fepeesentative; 5. Sending mail payments to the address on the front of this statement with the payment coupan or your account information. Changing Address? Address Home PHONE .........ccccresoresrocorscsccerceresscorerrecsersecsncsseses E-mail Address Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 8 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tarster from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, enline of over the phane, as of the business day we receive it, as long as & is made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other lecation or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR), and then to balances with higher APRs. We apply arty part of your payment 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 Smal! Susimess Accourn's) What To Do ff You Think You Find A Mistake On Your Statement: If you think there is an emer on your statemerk, 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 infomation: Your name and account rumber. Dollar amourt: The dollar amourt of the suspected error. Description of Problem: f you think there is an error on your bil, describe what you belewe is wrong and why you beleve its a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fet required te investigate any potential errors and you may hawe to pay the amount in question. We wil notily you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an eres, the folowing are fue We caret try to collect the amount in question, of reper you 3s delinquert on that amount. The charge in question may remain on your statement, and we may continue to charge you innerest om that amount. But, if we determine that we made a mistake, you will net have to pay the amourt in question of any interest or other fees felated to that amount. While you de mot have to pay the amount in question until we send you notice about the outcome of our inwestigation, you are responsible for the remainder af your balance. ‘We can apply aey unpaid amount against your cred® Emit. Within 90 days of our receipe of your letter, we will send you a written notice explaining ether that we corrected the error (to appear on your neat statement) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith 00 comect the peoblem 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 trae: 1) You must hawe used your credit card for the purchase. Purchases made with cash advances from an ATM o¢ with 3 check that accesses your credit card account do not qualify, and 2} You must not yet hawe fully paid for the purchase. If al of the criteria above ave met and you are stil 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. Ar that point, if we think you owe an amount and you de net pay we may report you as delinquent. © 2015 Capkal One. Capital One is a federally registered service mark. FICS 08/29/15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123870

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2of 2 _ Customer Service| www.capitalone.com Platinum MasterCard Account ending in i NEW BALANCE MINIMUM PAYMENT DUE DATE $198.75 $51.00 dan 12, 2016 Previous Balance Payments and Credits Fees and Interest Charged $176.35 - $0.00 + $22.40 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES $3.40 Total Interest This Period $3.40 TOTALS YEAR TO DATE Total Fees This Year $116.50 Total Interest This Year $31.84 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Nov. 16 - Dec. 15, 2015 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $0.00 30 Days in Billing Cyde $200.00 $1.25 $100.00 $1.25 New Balance $198.75 EFTA00123871

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Page 1 of 2 . Customer Service I Dec. 16 - Jan. 15,2016 31 Days in Billing Cyde www.capitalone.com MINIMUM PAYMENT WARNING: If yournake only the minimum payment each patiod, you wil pay more in interest and ft will take you longer to pay off your balance. For example: Platinum MasterCard Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $177.59 $25.00 Feb 12, 2016 Minera Paymert SMonie) ™ PLEASE PAY AT LEAST THIS AMOUNT Credit Limit: $200.00 Available Credit: $22.41 Previous Balance Payments and Credits $198.75 - $60.00 + New York residents may contact the New York State Department af Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: — or www.dis.ny.gov_ (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS 1 18 DEC Payment received. Thank you! ($60.00) TRANSACTIONS FOR PHILLIP | WILLIAMS [i 1 22 DEC BP#0035311 MARCY AVEQPSBROOKLYNNY $15.00 2-22 DEC THE UPS STORE #541 2BROOKLYNNY $2.16 3 22 DEC FINE FAREBROOKLYNNY $18.28 Total for Phillip | Williams $35.44 > Total Transactions This Period $35.44 FEES Total Fees This Period $0.00 Transactions continue on page 2 Cash Advance Credit Limit: $100.00 Fees and Interest Charged if you would lke information about credit counsaling services, call t LATE PAYMENT WARNING: If we do not receive your minimum payment by your due dale, you may have to pay a late fee of up to $19.00. Available Credit for Cash Advances: $22.41 New Balance $177.59 Transactions $3.40 + $35.44 Always at your service... Pay your bill online and take advantage of these and other on-the-go services: * Capital One” text messaging * Card replacement * Travel notification YK | Log into www.capitalone.com to take \, 300026-C advantage of these and other on-the-go services. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Purchases 23.15% P $172.82 $3.40 Cash Advances 25.15% P $0.00 $0.00 P.L,D,F = Variable Rate. See reverse af page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee capirat Account ending in Due Date New Balance Minimum Payment Amount Enclosed Feb 12, 2016 $177.59 $25.00 : PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN. NY 11234-4029 OO EO OT MT a TT LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com, 400022 Capital One Bank (USA). N-A. P.0. Box 71043 Charlotte, NC 28272-1043 ee EFTA00123872

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Alternate Phone .... How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for one Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 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 (indudieg 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 cof that day. The result is the daily balance for each segment. However, # you paid your previous month's balance in full (or your previous statement balance was zero of 8 credit amount), new transactions which post Wo your purchase segment are not added to the daily balance. 2. Nest, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each seartent. 3. Atthe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periedic rate {APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cyde. We add the Interest Charges for all segments together. The resuk is your total Inerest Charge for the Biling Cycle. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on one of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accoure, look for a leer code ‘on the trot of this statement next to your APAls). Then check the table below: When your APR(s) will change Index + margin (previously disclosed to you) Prime Rate + margin J menth UBOR + margin The fiest day af the Bling Cycles that end in Jan., Apel, Juby, and Oct. ‘The first day of each Billing Cyde. Prime Rate + margin 1 menth UBOR + margin How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual 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 monthly membership Fee, dase your account and we will stop assessing your monthly membership Fee. Mane cant Clase My Account? You can contact Customer Service anytime to request that we dese your vow dot Make Payments You may make your payment in several ways: 1. Online and logging inte your account; 2. Capital One Mabie Barking app for apgeaved electronic devices; 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number listed on the front of this statement and providing your ifommation to our fepeesentative; 5. Sending mail payments to the address on the front of this statement with the payment coupan or your account information. Changing Address? Address Home PHONE .........ccccresoresrocorscsccerceresscorerrecsersecsncsseses E-mail Address Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 8 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tarster from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, enline of over the phane, as of the business day we receive it, as long as & is made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other lecation or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR), and then to balances with higher APRs. We apply arty part of your payment 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 Smal! Susimess Accourn's) What To Do ff You Think You Find A Mistake On Your Statement: If you think there is an emer on your statemerk, 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 infomation: Your name and account rumber. Dollar amourt: The dollar amourt of the suspected error. Description of Problem: f you think there is an error on your bil, describe what you belewe is wrong and why you beleve its a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fet required te investigate any potential errors and you may hawe to pay the amount in question. We wil notily you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an eres, the folowing are fue We caret try to collect the amount in question, of reper you 3s delinquert on that amount. The charge in question may remain on your statement, and we may continue to charge you innerest om that amount. But, if we determine that we made a mistake, you will net have to pay the amourt in question of any interest or other fees felated to that amount. While you de mot have to pay the amount in question until we send you notice about the outcome of our inwestigation, you are responsible for the remainder af your balance. ‘We can apply aey unpaid amount against your cred® Emit. Within 90 days of our receipe of your letter, we will send you a written notice explaining ether that we corrected the error (to appear on your neat statement) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith 00 comect the peoblem 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 trae: 1) You must hawe used your credit card for the purchase. Purchases made with cash advances from an ATM o¢ with 3 check that accesses your credit card account do not qualify, and 2} You must not yet hawe fully paid for the purchase. If al of the criteria above ave met and you are stil 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. Ar that point, if we think you owe an amount and you de net pay we may report you as delinquent. © 2015 Capkal One. Capital One is a federally registered service mark. FICS 08/29/15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123873

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2of 2 . —= Dec. 16 - Jan. 15,2016 31 Days in Billing Cyde www.capitalone.com | Credit Limi s200.00 Platinum MasterCard Account ending in ; Available Credit: $22.41 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Limit: $100.00 $177.59 $25.00 Feb 12, 2016 Available Credit for Cash Advances: $22.41 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $198.75 - $60.00 + $3.40 + $35.44 F $177.59 TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PURCHASES $3.40 Total Interest This Period $3.40 TOTALS YEAR TO DATE Total Fees This Year $0.00 Total Interest This Year $3.40 EFTA00123874

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Page 1 of 2 . Customer Service I Dec. 16 - Jan. 15,2016 31 Days in Billing Cyde www.capitalone.com MINIMUM PAYMENT WARNING: If yournake only the minimum payment each patiod, you wil pay more in interest and ft will take you longer to pay off your balance. For example: Platinum MasterCard Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $177.59 $25.00 Feb 12, 2016 Minera Paymert SMonie) ™ PLEASE PAY AT LEAST THIS AMOUNT Credit Limit: $200.00 Available Credit: $22.41 Previous Balance Payments and Credits $198.75 - $60.00 + New York residents may contact the New York State Department af Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. Contact the New York State Department of Financial Services: — or www.dis.ny.gov_ (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS 1 18 DEC Payment received. Thank you! ($60.00) TRANSACTIONS FOR PHILLIP | WILLIAMS [i 1 22 DEC BP#0035311 MARCY AVEQPSBROOKLYNNY $15.00 2-22 DEC THE UPS STORE #541 2BROOKLYNNY $2.16 3 22 DEC FINE FAREBROOKLYNNY $18.28 Total for Phillip | Williams $35.44 > Total Transactions This Period $35.44 FEES Total Fees This Period $0.00 Transactions continue on page 2 Cash Advance Credit Limit: $100.00 Fees and Interest Charged if you would lke information about credit counsaling services, call t LATE PAYMENT WARNING: If we do not receive your minimum payment by your due dale, you may have to pay a late fee of up to $19.00. Available Credit for Cash Advances: $22.41 New Balance $177.59 Transactions $3.40 + $35.44 Always at your service... Pay your bill online and take advantage of these and other on-the-go services: * Capital One” text messaging * Card replacement * Travel notification YK | Log into www.capitalone.com to take \, 300026-C advantage of these and other on-the-go services. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Purchases 23.15% P $172.82 $3.40 Cash Advances 25.15% P $0.00 $0.00 P.L,D,F = Variable Rate. See reverse af page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee capirat Account ending in Due Date New Balance Minimum Payment Amount Enclosed Feb 12, 2016 $177.59 $25.00 : PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN. NY 11234-4029 OO EO OT MT a TT LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com, 400022 Capital One Bank (USA). N-A. P.0. Box 71043 Charlotte, NC 28272-1043 ee EFTA00123875

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Alternate Phone .... How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for one Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 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 (indudieg 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 cof that day. The result is the daily balance for each segment. However, # you paid your previous month's balance in full (or your previous statement balance was zero of 8 credit amount), new transactions which post Wo your purchase segment are not added to the daily balance. 2. Nest, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each seartent. 3. Atthe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periedic rate {APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cyde. We add the Interest Charges for all segments together. The resuk is your total Inerest Charge for the Biling Cycle. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on one of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accoure, look for a leer code ‘on the trot of this statement next to your APAls). Then check the table below: When your APR(s) will change Index + margin (previously disclosed to you) Prime Rate + margin J menth UBOR + margin The fiest day af the Bling Cycles that end in Jan., Apel, Juby, and Oct. ‘The first day of each Billing Cyde. Prime Rate + margin 1 menth UBOR + margin How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual 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 monthly membership Fee, dase your account and we will stop assessing your monthly membership Fee. Mane cant Clase My Account? You can contact Customer Service anytime to request that we dese your vow dot Make Payments You may make your payment in several ways: 1. Online and logging inte your account; 2. Capital One Mabie Barking app for apgeaved electronic devices; 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number listed on the front of this statement and providing your ifommation to our fepeesentative; 5. Sending mail payments to the address on the front of this statement with the payment coupan or your account information. Changing Address? Address Home PHONE .........ccccresoresrocorscsccerceresscorerrecsersecsncsseses E-mail Address Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 8 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tarster from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, enline of over the phane, as of the business day we receive it, as long as & is made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other lecation or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR), and then to balances with higher APRs. We apply arty part of your payment 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 Smal! Susimess Accourn's) What To Do ff You Think You Find A Mistake On Your Statement: If you think there is an emer on your statemerk, 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 infomation: Your name and account rumber. Dollar amourt: The dollar amourt of the suspected error. Description of Problem: f you think there is an error on your bil, describe what you belewe is wrong and why you beleve its a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fet required te investigate any potential errors and you may hawe to pay the amount in question. We wil notily you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an eres, the folowing are fue We caret try to collect the amount in question, of reper you 3s delinquert on that amount. The charge in question may remain on your statement, and we may continue to charge you innerest om that amount. But, if we determine that we made a mistake, you will net have to pay the amourt in question of any interest or other fees felated to that amount. While you de mot have to pay the amount in question until we send you notice about the outcome of our inwestigation, you are responsible for the remainder af your balance. ‘We can apply aey unpaid amount against your cred® Emit. Within 90 days of our receipe of your letter, we will send you a written notice explaining ether that we corrected the error (to appear on your neat statement) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith 00 comect the peoblem 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 trae: 1) You must hawe used your credit card for the purchase. Purchases made with cash advances from an ATM o¢ with 3 check that accesses your credit card account do not qualify, and 2} You must not yet hawe fully paid for the purchase. If al of the criteria above ave met and you are stil 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. Ar that point, if we think you owe an amount and you de net pay we may report you as delinquent. © 2015 Capkal One. Capital One is a federally registered service mark. FICS 08/29/15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123876

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2of 2 . —= Dec. 16 - Jan. 15,2016 31 Days in Billing Cyde www.capitalone.com | Credit Limi s200.00 Platinum MasterCard Account ending in ; Available Credit: $22.41 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Limit: $100.00 $177.59 $25.00 Feb 12, 2016 Available Credit for Cash Advances: $22.41 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $198.75 - $60.00 + $3.40 + $35.44 F $177.59 TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PURCHASES $3.40 Total Interest This Period $3.40 TOTALS YEAR TO DATE Total Fees This Year $0.00 Total Interest This Year $3.40 EFTA00123877

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Page 1 of 2 . Customer Service www.capitalone.com Jan. 16 - Feb. 15,2016 31 Days in Billing Cyde MINIMUM PAYMENT WARNING: If yournake only the minimum payment each petiod, you will pay more in interest and ft wil take you longer to pay off your balance. For example: Platinum MasterCard Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made ‘Statement Balance Total Cost $174.73 $25.00 Mar 12, 2016 Manmum Payenect Sorts) sade PLEASE PAY AT LEAST THIS AMOUNT Credit Limit: $200.00 Available Credit: $25.27 Cash Advance Credit Limit: $100.00 Ifyou woul like information about credit counsaiing services, call | LATE PAYMENT WARNING: | If we do not receive your minimum payrnert by your due date, you may have to pay a late fee of up to $19.00. Available Credit for Cash Advances: $25.27 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $177.59 - $50.00 + $3.15 + $43.99 = $174.73 New York residents may contact the New York State Department af Financial Services to abtain a comparative listing of credit card rates, fees, and grace periods. Coritact the —— New York State Department of Financial Services — or www.dis.ny.gov. i =P M Oo RE Renewal Notice - Your 03/2016 bill vaill include your $29.00 annual membership fee. The reverse of this page explains how you may dase your account and avoid this fee. . Both sides of this page provide important information about your rate(s) and haw your Cred It Ca rds are only pa rt interest charge is calculated. . ; of the equation. (| TRANSACTIONS } PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS Learn about all the ways we can serve your needs at 1 21JAN Payment received. Thank you! ($25.00) capitalone.com. 2 13 FEB Cap 1 DebitCardPhonePmt AuthDate 13-Feb ($25.00) S00016-€ TRANSACTIONS FOR PHILLIP | WILLIAMS [i INTEREST CHARGE CALCULATION 1 13 FEB FAMILY DOLLAR #6652BROOKLYNNY $15.68 y ' isthe r 2 13 FEB. FINE FAREBROOKLYNNY $28.31 ‘our Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Total for PHILLIP | WILLIAMS $43.99 Type of Balance ate (APR) Interest Rate terest Charge > Total Transactions This Period $43.99 Purchases 23.15% P $159.99 $3.15 Cash Advances 25.15% P $0.00 $0.00 Transactions continue on page 2 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee capirat Account ending in Due Date New Balance Minimum Payment Amount Enclosed Mar 12, 2016 $174.73 $25.00 ° PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 ee lee ee el LESS WASTE! Since you haven't been sending your payments by mail for the past year, we'll stop sending those pesky envelopes. You can continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 Capital One Bank (USA)+ N-A- P.0. Box 71043 Charlotte, NC 28272-1043 ee EFTA00123878

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Alternate Phone .... How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for one Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 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 (indudieg 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 cof that day. The result is the daily balance for each segment. However, # you paid your previous month's balance in full (or your previous statement balance was zero of 8 credit amount), new transactions which post Wo your purchase segment are not added to the daily balance. 2. Nest, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each seartent. 3. Atthe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periedic rate {APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cyde. We add the Interest Charges for all segments together. The resuk is your total Inerest Charge for the Biling Cycle. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on one of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accoure, look for a leer code ‘on the trot of this statement next to your APAls). Then check the table below: When your APR(s) will change Index + margin (previously disclosed to you) Prime Rate + margin J menth UBOR + margin The fiest day af the Bling Cycles that end in Jan., Apel, Juby, and Oct. ‘The first day of each Billing Cyde. Prime Rate + margin 1 menth UBOR + margin How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual 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 monthly membership Fee, dase your account and we will stop assessing your monthly membership Fee. Mane cant Clase My Account? You can contact Customer Service anytime to request that we dese your vow dot Make Payments You may make your payment in several ways: 1. Online and logging inte your account; 2. Capital One Mabie Barking app for apgeaved electronic devices; 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number listed on the front of this statement and providing your ifommation to our fepeesentative; 5. Sending mail payments to the address on the front of this statement with the payment coupan or your account information. Changing Address? Address Home PHONE .........ccccresoresrocorscsccerceresscorerrecsersecsncsseses E-mail Address Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 8 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tarster from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, enline of over the phane, as of the business day we receive it, as long as & is made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other lecation or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR), and then to balances with higher APRs. We apply arty part of your payment 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 Smal! Susimess Accourn's) What To Do ff You Think You Find A Mistake On Your Statement: If you think there is an emer on your statemerk, 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 infomation: Your name and account rumber. Dollar amourt: The dollar amourt of the suspected error. Description of Problem: f you think there is an error on your bil, describe what you belewe is wrong and why you beleve its a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fet required te investigate any potential errors and you may hawe to pay the amount in question. We wil notily you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an eres, the folowing are fue We caret try to collect the amount in question, of reper you 3s delinquert on that amount. The charge in question may remain on your statement, and we may continue to charge you innerest om that amount. But, if we determine that we made a mistake, you will net have to pay the amourt in question of any interest or other fees felated to that amount. While you de mot have to pay the amount in question until we send you notice about the outcome of our inwestigation, you are responsible for the remainder af your balance. ‘We can apply aey unpaid amount against your cred® Emit. Within 90 days of our receipe of your letter, we will send you a written notice explaining ether that we corrected the error (to appear on your neat statement) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith 00 comect the peoblem 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 trae: 1) You must hawe used your credit card for the purchase. Purchases made with cash advances from an ATM o¢ with 3 check that accesses your credit card account do not qualify, and 2} You must not yet hawe fully paid for the purchase. If al of the criteria above ave met and you are stil 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. Ar that point, if we think you owe an amount and you de net pay we may report you as delinquent. © 2015 Capkal One. Capital One is a federally registered service mark. FICS 08/29/15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123879

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CapitalChe Platinum MasterCard NEW BALANCE MINIMUM PAYMENT $174.73 $25.00 Previous Balance Payments and Credits $177.59 - $50.00 TRANSACTIONS CONTINUED FEES Total Fees This Period INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year 2of 2 Customer Service www.capitalone.com Account ending in DUE DATE Mar 12, 2016 Fees and Interest Charged $0.00 $3.15 $3.15 $0.00 $6.55 $3.15 Jan. 16 - Feb. 15, 2016 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $43.99 31 Days in Billing Cyde $200.00 $25.27 $100.00 $25.27 New Balance $174.73 EFTA00123880

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Page 1 of 2 Customer Service I Feb. 16 - Mar. 15,2016 29 Days in Billing Cyde www.capitalone.com MINIMUM PAYMENT WARNING: If yournake only the minimum payment each paiod, you wil pay more in interest and f wil take you longer to pay off your balance. For example: Platinum MasterCard Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $249.98 $52.00 Apr 12, 2016 MiiumPoyrent 12Monhis} se it you would like information about credit counsaling services, call t PLEASE PAY AT LEAST THES AMOUNT LATE PAYMENT WARNING: If we do not receve your minimum payment by your due date, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | ¥04™ayhevet pay alete te of up to $12.00, Available Credit: $0.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $174.73 - $0.00 + $51.70 + $23.55 = $249.98 uestions about this account, please give us a call at 1-800-955-6600. We'll be glad to help you Monday through Friday from 8 a.m. to 11 p.m_ ET, and Saturday and Sunday ~ a cettaten elp is available le Department af Financial Services to He Avoid missing future payments by setting up free, customizable account alerts. Enroll in online banking or log into your account at capitalone.com New York residents may coritact the New York obtain a comparative listing of credit card rates New York State Department of Finandal Services. (TRANSACTIONS ) PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS I 300045-C TRANSACTIONS FOR PHILLIP | WILLIAMS [I 1 18 FEB FINE FAREBROOKLYNNY $19.50 2 24FEB FAMILY DOLLAR #6652BROOKLYNNY $4.05 INTEREST CHARGE CALCULATION Total for PHILLIP! WILLIAMS $23.55 ; Your Annual Percentage Rate (APR) is the annual interest rate on your account. > Total Transactions This Period $23.55 Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge FEES Purchases 23.15% P $201.17 $3.70 Cash Advances 25.15% P $0.00 $0.00 . P.LD,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 * PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee : Account ending in Due Date New Balance Minimum Payment Amount Enclosed Take A dvantage. Take Control. Apr 12,2016 $249.98 2.00 . Manage your account online at www.capitalone.com PLEASE PAY AT LEAST THIS AMOUNT * Set up account alerts * Review account information * Manage account in pr janage your account in privacy soon20 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA). N-A- P.0. Box 71043 A Pa bid | te bE Charlottes NC 28272-1083 ee EFTA00123881

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Alternate Phone .... How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for one Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 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 (indudieg 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 cof that day. The result is the daily balance for each segment. However, # you paid your previous month's balance in full (or your previous statement balance was zero of 8 credit amount), new transactions which post Wo your purchase segment are not added to the daily balance. 2. Nest, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each seartent. 3. Atthe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periedic rate {APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cyde. We add the Interest Charges for all segments together. The resuk is your total Inerest Charge for the Biling Cycle. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on one of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accoure, look for a leer code ‘on the trot of this statement next to your APAls). Then check the table below: When your APR(s) will change Index + margin (previously disclosed to you) Prime Rate + margin J menth UBOR + margin The fiest day af the Bling Cycles that end in Jan., Apel, Juby, and Oct. ‘The first day of each Billing Cyde. Prime Rate + margin 1 menth UBOR + margin How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual 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 monthly membership Fee, dase your account and we will stop assessing your monthly membership Fee. Mane cant Clase My Account? You can contact Customer Service anytime to request that we dese your vow dot Make Payments You may make your payment in several ways: 1. Online and logging inte your account; 2. Capital One Mabie Barking app for apgeaved electronic devices; 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number listed on the front of this statement and providing your ifommation to our fepeesentative; 5. Sending mail payments to the address on the front of this statement with the payment coupan or your account information. Changing Address? Address Home PHONE .........ccccresoresrocorscsccerceresscorerrecsersecsncsseses E-mail Address Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 8 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tarster from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, enline of over the phane, as of the business day we receive it, as long as & is made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other lecation or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR), and then to balances with higher APRs. We apply arty part of your payment 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 Smal! Susimess Accourn's) What To Do ff You Think You Find A Mistake On Your Statement: If you think there is an emer on your statemerk, 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 infomation: Your name and account rumber. Dollar amourt: The dollar amourt of the suspected error. Description of Problem: f you think there is an error on your bil, describe what you belewe is wrong and why you beleve its a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fet required te investigate any potential errors and you may hawe to pay the amount in question. We wil notily you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an eres, the folowing are fue We caret try to collect the amount in question, of reper you 3s delinquert on that amount. The charge in question may remain on your statement, and we may continue to charge you innerest om that amount. But, if we determine that we made a mistake, you will net have to pay the amourt in question of any interest or other fees felated to that amount. While you de mot have to pay the amount in question until we send you notice about the outcome of our inwestigation, you are responsible for the remainder af your balance. ‘We can apply aey unpaid amount against your cred® Emit. Within 90 days of our receipe of your letter, we will send you a written notice explaining ether that we corrected the error (to appear on your neat statement) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith 00 comect the peoblem 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 trae: 1) You must hawe used your credit card for the purchase. Purchases made with cash advances from an ATM o¢ with 3 check that accesses your credit card account do not qualify, and 2} You must not yet hawe fully paid for the purchase. If al of the criteria above ave met and you are stil 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. Ar that point, if we think you owe an amount and you de net pay we may report you as delinquent. © 2015 Capkal One. Capital One is a federally registered service mark. FICS 08/29/15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123882

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2of 2 . Customer Service| www.capitalone.com ee Platinum MasterCard Account ending in NEW BALANCE MINIMUM PAYMENT DUE DATE $249.98 $52.00 Apr 12, 2016 Previous Balance Payments and Credits Fees and Interest Charged $174.73 - $0.00 $51.70 TRANSACTIONS CONTINUED FEES (CONTINUED) 1 12 MAR PAST OUE FEE 2 15 MAR CAPITAL ONE MEMBER FEE Total Fees This Period INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year $19.00 $29.00 $48.00 $3.70 $3.70 $48.00 $10.25 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recammend that you allow at least 7 business days for your minimum payment to reach Capital One. Feb. 16 - Mar. 15, 2016 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $23.55 2 29 Days in Billing Cyde $200.00 $0.00 $100.00 $0.00 New Balance $249.98 EFTA00123883

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Page 1 of 2 Customer Service Mar. 16 - Apr. 15,2016 31 Days in Billing Cyde www.capitalone.com sve tet meen: ntact tctinreretcht wil pay more in interest and ft will take you longer to pay off your balance. For example: Platinum Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost if you would lke information about credit counsaling services, call t PLEASE PAY AT LEAST THES AMOUNT | LATE PAYMENT WARNING: | we do not receive your minimum peymert by your due date, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | 904 ™#yheve w pay @ ete fee of upto $19.00, Available Credit: $45.38 Available Credit for Cash Advances: $45.38 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $249.98 - $100.00 + $4.64 + $0.00 s $154.62 New York residents may contact the New York State Department af Financial Services to " obtain a comparative listing of credit card rates, fees, and grace periods. Contact the It Ss easy to set up your New York State Department of Financial Services a or www.dis.ny.gov. . account alerts: TRANSACTIONS First, “Log In” to Online Banking. Next, b [ In inline Banking. fn J PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS [IH Pe SAIN SLITS De HOE TO 1 11 APR Payment received. Thank you! ($100.00) 1. Clicking “Messaging and Alerts” 2. Clicking “Set Alerts” TRANSACTIONS FOR PHILLIP 1 WILLAMS IE 3. Choosing the free alerts you'd like to receive Your carrier may charge a fee for each text message alert you receive. 300007-€ FEES Total Fees This Period $0.00 INTEREST CHARGE CALCULATION INTEREST CHARGED A i INTEREST CHARGE:PURCHASES $4.64 Your Annual Percentage “ (APR) is the one “_ rate on your account. Total interest This Period $4.64 Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Purchases 23.15% P $236.22 $4.64 Cash Advances 25.15% P $0.00 $0.00 . P.LD,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 * PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee Account ending in Due Date New Balance Minimum Payment Amount Enclosed LESS WASTE! Since you haven't been sending your 1 1 154, ; 7 May 12,2016 $154.62 $5.0 payments by mail for the past year, we'll PLEASE PAY AT LEAST stop sending those pesky envelopes. You can THIS AMOUNT continue to eliminate waste by signing up for paperless statements at www.capitalone.com. 400022 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA). N-A- P.0. Box 71043 PALO LLLP ITT eT Tee PLOT 8 eT Charlottes NC 28272-1083 te ee ee ee EFTA00123884

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Alternate Phone .... How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for one Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 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 (indudieg 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 cof that day. The result is the daily balance for each segment. However, # you paid your previous month's balance in full (or your previous statement balance was zero of 8 credit amount), new transactions which post Wo your purchase segment are not added to the daily balance. 2. Nest, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each seartent. 3. Atthe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periedic rate {APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cyde. We add the Interest Charges for all segments together. The resuk is your total Inerest Charge for the Biling Cycle. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on one of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accoure, look for a leer code ‘on the trot of this statement next to your APAls). Then check the table below: When your APR(s) will change Index + margin (previously disclosed to you) Prime Rate + margin J menth UBOR + margin The fiest day af the Bling Cycles that end in Jan., Apel, Juby, and Oct. ‘The first day of each Billing Cyde. Prime Rate + margin 1 menth UBOR + margin How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual 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 monthly membership Fee, dase your account and we will stop assessing your monthly membership Fee. Mane cant Clase My Account? You can contact Customer Service anytime to request that we dese your vow dot Make Payments You may make your payment in several ways: 1. Online and logging inte your account; 2. Capital One Mabie Barking app for apgeaved electronic devices; 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number listed on the front of this statement and providing your ifommation to our fepeesentative; 5. Sending mail payments to the address on the front of this statement with the payment coupan or your account information. Changing Address? Address Home PHONE .........ccccresoresrocorscsccerceresscorerrecsersecsncsseses E-mail Address Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 8 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tarster from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, enline of over the phane, as of the business day we receive it, as long as & is made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other lecation or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR), and then to balances with higher APRs. We apply arty part of your payment 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 Smal! Susimess Accourn's) What To Do ff You Think You Find A Mistake On Your Statement: If you think there is an emer on your statemerk, 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 infomation: Your name and account rumber. Dollar amourt: The dollar amourt of the suspected error. Description of Problem: f you think there is an error on your bil, describe what you belewe is wrong and why you beleve its a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fet required te investigate any potential errors and you may hawe to pay the amount in question. We wil notily you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an eres, the folowing are fue We caret try to collect the amount in question, of reper you 3s delinquert on that amount. The charge in question may remain on your statement, and we may continue to charge you innerest om that amount. But, if we determine that we made a mistake, you will net have to pay the amourt in question of any interest or other fees felated to that amount. While you de mot have to pay the amount in question until we send you notice about the outcome of our inwestigation, you are responsible for the remainder af your balance. ‘We can apply aey unpaid amount against your cred® Emit. Within 90 days of our receipe of your letter, we will send you a written notice explaining ether that we corrected the error (to appear on your neat statement) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith 00 comect the peoblem 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 trae: 1) You must hawe used your credit card for the purchase. Purchases made with cash advances from an ATM o¢ with 3 check that accesses your credit card account do not qualify, and 2} You must not yet hawe fully paid for the purchase. If al of the criteria above ave met and you are stil 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. Ar that point, if we think you owe an amount and you de net pay we may report you as delinquent. © 2015 Capkal One. Capital One is a federally registered service mark. FICS 08/29/15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123885

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2of 2 . —= Mar. 16 - Apr. 15,2016 31 Days in Billing Cyde www.capitalone.com ee Credit Limit: $200.00 Platinum MasterCard Account ending in ; Available Credit: $45.38 NEW BALANCE MINIMUM PAYMENT DUEDATE Cash Advance Credit Limit: $100.00 $154.62 $25.00 May 12, 2016 Available Credit for Cash Advances: $45.38 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $249.98 - $100.00 + $4.64 + $0.00 F $154.62 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year $48.00 Total Interest This Year $14.89 EFTA00123886

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Page 1 of 2 Customer Sevice www.capitalone.com Platinum MasterCard Account ending in I NEW BALANCE MINIMUM PAYMENT DUE DATE $222.59 $52.00 dun 12, 2016 PLEASE PAY AT LEAST THIS AMOUNT Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 Available Credit: $0.00 Available Credit for Cash Advances: $0.00 Apr. 16-May. 15,2016 30 Days in Billing Cyde MINIMUM PAYMENT WARNING: | If yournake only the minimum payment each pariod, you wil pay more in interest and ft will take you longer to pay off your balance. For example: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Minimum Paymert 10 Mortis} 2M if you woul lke information about credit counseling services, call t LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $19.00. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $154.62 - $0.00 + $22.86 + $45.11 = $222.59 uestions about this account, é give us a call at] 955-6600. We'll be glad nelp you Manday through Friday frorn 8 a.m. to 11 p.m. ET, and Saturday and Sunday ~ a inatnwsom elp is available New York residents may contact the New York State Department of Financial Services to abtain a comparative listing of credit card rates and grace periods. Contact the . a . New York State Department of Financial Services: as www.dis.ny.gov Avoid missing future payments by setting - up free, customizable account alerts. (TRANSACTIONS J PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS (I Enroll in online banking or log into your account at capitalone.com 300045-C TRANSACTIONS FOR PHILLIP | WILLIAMS [i 1 16 APR POPEYES CHICKEN #1BR0C $26.12 2 TGAPR RITE AID STORE - 461308 $18.99 INTEREST CHARGE CALCULATION Total for PHILLIP! WILLIAMS $45.11 ; Your Annual Percentage Rate (APR) is the annual interest rate on your account. > Total Transactions This Period $45.11 Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge FEES Purchases 23.15% P $202.82 $3.86 Cash Advances 25.15% P $0.00 $0.00 Transactions continue on page 2 P,LD,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee capitate Due Date Account ending in New Balance $222.59 Minimum Payment Amount Enclosed dun 12, 2016 $52.00 PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS BROOKLYN. NY 11234-4029 SOT er dU Take Advantage. Take Control. Manage your account online at www.capitalone.com * Set up account alerts * Review account information * Manage your account in privacy 400020 Capital One Bank (USA). N-A. P.0. Box 71043 Charlotte, NC 28272-1043 ee EFTA00123887

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Alternate Phone .... How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for one Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 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 (indudieg 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 cof that day. The result is the daily balance for each segment. However, # you paid your previous month's balance in full (or your previous statement balance was zero of 8 credit amount), new transactions which post Wo your purchase segment are not added to the daily balance. 2. Nest, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each seartent. 3. Atthe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periedic rate {APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cyde. We add the Interest Charges for all segments together. The resuk is your total Inerest Charge for the Biling Cycle. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on one of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accoure, look for a leer code ‘on the trot of this statement next to your APAls). Then check the table below: When your APR(s) will change Index + margin (previously disclosed to you) Prime Rate + margin J menth UBOR + margin The fiest day af the Bling Cycles that end in Jan., Apel, Juby, and Oct. ‘The first day of each Billing Cyde. Prime Rate + margin 1 menth UBOR + margin How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual 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 monthly membership Fee, dase your account and we will stop assessing your monthly membership Fee. Mane cant Clase My Account? You can contact Customer Service anytime to request that we dese your vow dot Make Payments You may make your payment in several ways: 1. Online and logging inte your account; 2. Capital One Mabie Barking app for apgeaved electronic devices; 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number listed on the front of this statement and providing your ifommation to our fepeesentative; 5. Sending mail payments to the address on the front of this statement with the payment coupan or your account information. Changing Address? Address Home PHONE .........ccccresoresrocorscsccerceresscorerrecsersecsncsseses E-mail Address Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 8 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tarster from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, enline of over the phane, as of the business day we receive it, as long as & is made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other lecation or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR), and then to balances with higher APRs. We apply arty part of your payment 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 Smal! Susimess Accourn's) What To Do ff You Think You Find A Mistake On Your Statement: If you think there is an emer on your statemerk, 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 infomation: Your name and account rumber. Dollar amourt: The dollar amourt of the suspected error. Description of Problem: f you think there is an error on your bil, describe what you belewe is wrong and why you beleve its a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fet required te investigate any potential errors and you may hawe to pay the amount in question. We wil notily you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an eres, the folowing are fue We caret try to collect the amount in question, of reper you 3s delinquert on that amount. The charge in question may remain on your statement, and we may continue to charge you innerest om that amount. But, if we determine that we made a mistake, you will net have to pay the amourt in question of any interest or other fees felated to that amount. While you de mot have to pay the amount in question until we send you notice about the outcome of our inwestigation, you are responsible for the remainder af your balance. ‘We can apply aey unpaid amount against your cred® Emit. Within 90 days of our receipe of your letter, we will send you a written notice explaining ether that we corrected the error (to appear on your neat statement) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith 00 comect the peoblem 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 trae: 1) You must hawe used your credit card for the purchase. Purchases made with cash advances from an ATM o¢ with 3 check that accesses your credit card account do not qualify, and 2} You must not yet hawe fully paid for the purchase. If al of the criteria above ave met and you are stil 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. Ar that point, if we think you owe an amount and you de net pay we may report you as delinquent. © 2015 Capkal One. Capital One is a federally registered service mark. FICS 08/29/15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123888

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2of 2 . Customer Service| www.capitalone.com Platinum MasterCard Account ending in NEW BALANCE MINIMUM PAYMENT DUE DATE $222.59 $52.00 dun 12, 2016 Previous Balance Payments and Credits Fees and Interest Charged $154.62 - $0.00 + $22.86 TRANSACTIONS CONTINUED FEES (CONTINUED) 1 12 MAY PAST DUE FEE $19.00 Total Fees This Period $19.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $3.86 Total Interest This Period $3.86 TOTALS YEAR TO DATE Total Fees This Year $67.00 Total Interest This Year $18.75 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Apr. 16 - May. 15, 2016 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $45.11 30 Days in Billing Cyde $200.00 $0.00 $100.00 $0.00 New Balance $222.59 EFTA00123889

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Page 1 of 2 a Customer Service May. 16-Jun. 15,2016 31 Days in Billing Cyde www.capitalone.com MINIMUM PAYMENT WARNING: If yournake only the minimum payment each petiod, you wil pay more in interest and ft will take you longer to pay off your balance. For example: Platinum MasterCard Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $246.04 $80.00 Jul 12, 2016 Marrum Payemect ‘OMonths} sal Ifyou would like information about credit counseling services, call t PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: Ifwe do not receive your minimum payment by your due date, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | 4™ayhevew pay alete te of up to $18.00, Available Credit: $0.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $222.59 - $0.00 + $23.45 + $0.00 z $246.04 af Questions about this account, to help you Monday through Friday from 8 a.m. to 11 p.m_ ET, and Saturday and Sunday ~ | ind n usa elp is available New York residents may coritact the New York obtain a comparative listing of credit card rates New York State Department of Finandal Services. ease give us a call at 1-800-955-6600. We'll be glad le Department af Financial Services to He Avoid missing future payments by setting up free, customizable account alerts. (TRANSACTIONS ) —— PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS (I Enroll in online banking or log into your account at capitalone.com 300045-C TRANSACTIONS FOR PHILLIP | WILLIAMS [i INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate (APR) is the annual interest rate on your account. ' 13 JUN PAST QUES $19.00 Annual Percentage Balance Subject to Total Fees This Period 19.00 tal Fees This Perio $19.00 Type of Balance Rate (APR) Interest Rate Interest Charge INTEREST CHARGED Purchases 23.15% P $226.56 $4.45 Cash Advances 25.15% P $0.00 $0.00 . P.LD,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 * PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee capitate Account ending in Due Date New Balance Minimum Payment Amount Enclosed Take Advantage. Take Control. a 12, 2016 $246.04 $00.00 . Manage your account online at PLEASE PAY AT LEAST www.capitalone.com THIS AMOUNT * Set up account alerts * Review account information * Manage your account in privacy PHILLIP I WILLIAMS 400020 BROOKLYN. NY 11234-4029 Capital One Bank (USA). N-A. P.O. Box 71043 UU ie TT | bo Charlottes NC 28272-1083 He eee lt ee EFTA00123890

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Alternate Phone .... How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for one Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 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 (indudieg 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 cof that day. The result is the daily balance for each segment. However, # you paid your previous month's balance in full (or your previous statement balance was zero of 8 credit amount), new transactions which post Wo your purchase segment are not added to the daily balance. 2. Nest, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each seartent. 3. Atthe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periedic rate {APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cyde. We add the Interest Charges for all segments together. The resuk is your total Inerest Charge for the Biling Cycle. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on one of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accoure, look for a leer code ‘on the trot of this statement next to your APAls). Then check the table below: When your APR(s) will change Index + margin (previously disclosed to you) Prime Rate + margin J menth UBOR + margin The fiest day af the Bling Cycles that end in Jan., Apel, Juby, and Oct. ‘The first day of each Billing Cyde. Prime Rate + margin 1 menth UBOR + margin How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual 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 monthly membership Fee, dase your account and we will stop assessing your monthly membership Fee. Mane cant Clase My Account? You can contact Customer Service anytime to request that we dese your vow dot Make Payments You may make your payment in several ways: 1. Online and logging inte your account; 2. Capital One Mabie Barking app for apgeaved electronic devices; 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number listed on the front of this statement and providing your ifommation to our fepeesentative; 5. Sending mail payments to the address on the front of this statement with the payment coupan or your account information. Changing Address? Address Home PHONE .........ccccresoresrocorscsccerceresscorerrecsersecsncsseses E-mail Address Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 8 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tarster from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, enline of over the phane, as of the business day we receive it, as long as & is made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other lecation or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR), and then to balances with higher APRs. We apply arty part of your payment 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 Smal! Susimess Accourn's) What To Do ff You Think You Find A Mistake On Your Statement: If you think there is an emer on your statemerk, 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 infomation: Your name and account rumber. Dollar amourt: The dollar amourt of the suspected error. Description of Problem: f you think there is an error on your bil, describe what you belewe is wrong and why you beleve its a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fet required te investigate any potential errors and you may hawe to pay the amount in question. We wil notily you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an eres, the folowing are fue We caret try to collect the amount in question, of reper you 3s delinquert on that amount. The charge in question may remain on your statement, and we may continue to charge you innerest om that amount. But, if we determine that we made a mistake, you will net have to pay the amourt in question of any interest or other fees felated to that amount. While you de mot have to pay the amount in question until we send you notice about the outcome of our inwestigation, you are responsible for the remainder af your balance. ‘We can apply aey unpaid amount against your cred® Emit. Within 90 days of our receipe of your letter, we will send you a written notice explaining ether that we corrected the error (to appear on your neat statement) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith 00 comect the peoblem 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 trae: 1) You must hawe used your credit card for the purchase. Purchases made with cash advances from an ATM o¢ with 3 check that accesses your credit card account do not qualify, and 2} You must not yet hawe fully paid for the purchase. If al of the criteria above ave met and you are stil 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. Ar that point, if we think you owe an amount and you de net pay we may report you as delinquent. © 2015 Capkal One. Capital One is a federally registered service mark. FICS 08/29/15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123891

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2of 2 _ Customer Service| www.capitalone.com Platinum MasterCard Account ending in NEW BALANCE MINIMUM PAYMENT DUE DATE $246.04 $80.00 dul 12, 2016 Previous Balance Payments and Credits Fees and Interest Charged $222.59 - $0.00 + $23.45 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES $4.45 Total Interest This Period $4.45 TOTALS YEAR TO DATE Total Fees This Year $86.00 Total Interest This Year $23.20 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. May. 16 - Jun. 15, 2016 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $0.00 2 31 Days in Billing Cyde $200.00 $0.00 $100.00 $0.00 New Balance $246.04 EFTA00123892

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Page 1 of 2 Customer Service I Jun. 16 - Jul. 15,2016 30 Days in Billing Cyde www.capitalone.com ave ce een. mde renee wil pay more in interest and ft will take you longer to pay off your balance. For example: Platinum MasterCard Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $269.81 $108.00 Aug 12, 2016 MibamPoyerant WOManthis} sat if you would lke information about credit counsaiing services, call t PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not recelve your minimum payment by your due date, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | %4™ayhevet pay alete fe of up to $12.00, Available Credit: $0.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $246.04 - $0.00 + $23.77 + $0.00 = $269.81 For ns about this account, please give us a call at 1-800-955-6600. We'll be glad . to help you Monday through Friday from 8 a.m. to 11 p.m. ET, and saturday and Sunday Yo ur a cc ou nt IS S U S$ P E N D E D from 8 a.m. to 5 p.m. ET New York residents may contact the New York State Department of Financial Services to New York State Department of Financial Services | or www .dis.ny.gov. account status and payment options. (TRANSACTIONS ) PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS J 1 = 800 -J 2 ~ et 6600 300057-C TRANSACTIONS FOR PHILLIP | WILLIAMS [i INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate (APR) is the annual interest rate on your account. 1 12JUL PAST DUE FEE $19.00 Annual P f Bala Subject t Total Fees This Period $19.00 mee Pereemenge | Race Senet te es This Type of Balance Rate (APR) Interest Rate Interest Charge INTEREST CHARGED Purchases 23.15% P $250.85 $4.77 Cash Advances 25.15% P $0.00 $0.00 P.L.D,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Es ee : Account ending in Due Date New Balance Minimum Payment Amount Enclosed Take Advantage. Take Control. Manage your account online at www.capitalone.com * Set up account alerts * Review account information * Manage your account in privacy Aug 12, 2016 $269.81 $108.00 . PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS 400020} BROOKLYN. NY 11234-4029 Capital One Bank (USA). N-A. P.O. Box 71043 Tale aT ht Ub bb bE | Charlottes NC 28272-1083 te ee el ee EFTA00123893

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Alternate Phone .... How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for one Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 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 (indudieg 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 cof that day. The result is the daily balance for each segment. However, # you paid your previous month's balance in full (or your previous statement balance was zero of 8 credit amount), new transactions which post Wo your purchase segment are not added to the daily balance. 2. Nest, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each seartent. 3. Atthe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periedic rate {APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cyde. We add the Interest Charges for all segments together. The resuk is your total Inerest Charge for the Biling Cycle. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on one of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accoure, look for a leer code ‘on the trot of this statement next to your APAls). Then check the table below: When your APR(s) will change Index + margin (previously disclosed to you) Prime Rate + margin J menth UBOR + margin The fiest day af the Bling Cycles that end in Jan., Apel, Juby, and Oct. ‘The first day of each Billing Cyde. Prime Rate + margin 1 menth UBOR + margin How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual 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 monthly membership Fee, dase your account and we will stop assessing your monthly membership Fee. Mane cant Clase My Account? You can contact Customer Service anytime to request that we dese your vow dot Make Payments You may make your payment in several ways: 1. Online and logging inte your account; 2. Capital One Mabie Barking app for apgeaved electronic devices; 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number listed on the front of this statement and providing your ifommation to our fepeesentative; 5. Sending mail payments to the address on the front of this statement with the payment coupan or your account information. Changing Address? Address Home PHONE .........ccccresoresrocorscsccerceresscorerrecsersecsncsseses E-mail Address Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 8 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tarster from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, enline of over the phane, as of the business day we receive it, as long as & is made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other lecation or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR), and then to balances with higher APRs. We apply arty part of your payment 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 Smal! Susimess Accourn's) What To Do ff You Think You Find A Mistake On Your Statement: If you think there is an emer on your statemerk, 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 infomation: Your name and account rumber. Dollar amourt: The dollar amourt of the suspected error. Description of Problem: f you think there is an error on your bil, describe what you belewe is wrong and why you beleve its a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fet required te investigate any potential errors and you may hawe to pay the amount in question. We wil notily you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an eres, the folowing are fue We caret try to collect the amount in question, of reper you 3s delinquert on that amount. The charge in question may remain on your statement, and we may continue to charge you innerest om that amount. But, if we determine that we made a mistake, you will net have to pay the amourt in question of any interest or other fees felated to that amount. While you de mot have to pay the amount in question until we send you notice about the outcome of our inwestigation, you are responsible for the remainder af your balance. ‘We can apply aey unpaid amount against your cred® Emit. Within 90 days of our receipe of your letter, we will send you a written notice explaining ether that we corrected the error (to appear on your neat statement) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith 00 comect the peoblem 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 trae: 1) You must hawe used your credit card for the purchase. Purchases made with cash advances from an ATM o¢ with 3 check that accesses your credit card account do not qualify, and 2} You must not yet hawe fully paid for the purchase. If al of the criteria above ave met and you are stil 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. Ar that point, if we think you owe an amount and you de net pay we may report you as delinquent. © 2015 Capkal One. Capital One is a federally registered service mark. FICS 08/29/15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123894

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2of 2 . Customer Service| www.capitalone.com Platinum MasterCard Account ending in NEW BALANCE MINIMUM PAYMENT DUE DATE $269.81 $108.00 Aug 12, 2016 Previous Balance Payments and Credits Fees and Interest Charged $246.04 - $0.00 + $23.77 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES $4.77 Total Interest This Period $4.77 TOTALS YEAR TO DATE Total Fees This Year $105.00 Total Interest This Year $27.97 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Jun. 16 - Jul. 15, 2016 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $0.00 30 Days in Billing Cyde $200.00 $0.00 $100.00 $0.00 New Balance $269.81 EFTA00123895

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Page 1 of 2 Customer Service I Jul. 16 - Aug. 15,2016 31 Days in Billing Cyde www.capitalone.com ae wen me wil pay more in interest and ft will take you longer to pay off your balance. For example: Platinum MasterCard Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $275.17 $133.00 Sep 12, 2016 Mokena Peet S Months} oe if you would lke information about credit counseling services, call t PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: | If we do not recenve your minimum payment by your due date, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 Yu ™ey have to pay alate fee of up to $19.00, Available Credit: $0.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $275.17 $269.81 - $0.00 + $5.36 + $0.00 af questions about this account, please give us a call at 1-800-955-6600. We'll be glad . 1elp you Monday through Friday frorn Qa fm. to 11 p.m. ET, and Saturday and Sunday Yo ur r | cc ou nt IS S U S P E N D E D from 8 a.m. to 5 p.m. ET New York residents may contact the New York State Department of Financial Services to New York State Department of Financial Services: as www.dis.ny.gov account status and payment options. (TRANSACTIONS | "PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS | | 1 - 800 -J 3 5 mt 6600 TRANSACTIONS FOR PHILLIP | WILLIAMS [i 300057-C INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total Fees This Period $0.00 . Type of Balance Annual Percentage Balance Subject to Interest Charge INTEREST CHARGED Rate (APR) Interest Rate INTEREST CHARGE:PURCHASES $5.36 Purchases 23.15% P $272.39 $5.36 Total Interest This Period $5.36 Cash Advances 25.15% P $0.00 $0.00 . P.LD,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ee : Account ending in Due Date New Balance Minimum Payment Amount Enclosed Take Advantage. Take Control. Manage your account online at www.capitalone.com * Set up account alerts * Review account information * Manage your account in privacy Sep 12, 2016 $275.17 $133.00 : PLEASE PAY AT LEAST THIS AMOUNT PHILLIP I WILLIAMS 400020} BROOKLYN. NY 11234-4029 Capital One Bank (USA). N-A. P.O. Box 71043 TL TST ET | TT Charlotte. NC 28272-1083 ee ee ee it ee EFTA00123896

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Alternate Phone .... How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for one Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 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 (indudieg 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 cof that day. The result is the daily balance for each segment. However, # you paid your previous month's balance in full (or your previous statement balance was zero of 8 credit amount), new transactions which post Wo your purchase segment are not added to the daily balance. 2. Nest, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each seartent. 3. Atthe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periedic rate {APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cyde. We add the Interest Charges for all segments together. The resuk is your total Inerest Charge for the Biling Cycle. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on one of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accoure, look for a leer code ‘on the trot of this statement next to your APAls). Then check the table below: When your APR(s) will change Index + margin (previously disclosed to you) Prime Rate + margin J menth UBOR + margin The fiest day af the Bling Cycles that end in Jan., Apel, Juby, and Oct. ‘The first day of each Billing Cyde. Prime Rate + margin 1 menth UBOR + margin How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual 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 monthly membership Fee, dase your account and we will stop assessing your monthly membership Fee. Mane cant Clase My Account? You can contact Customer Service anytime to request that we dese your vow dot Make Payments You may make your payment in several ways: 1. Online and logging inte your account; 2. Capital One Mabie Barking app for apgeaved electronic devices; 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number listed on the front of this statement and providing your ifommation to our fepeesentative; 5. Sending mail payments to the address on the front of this statement with the payment coupan or your account information. Changing Address? Address Home PHONE .........ccccresoresrocorscsccerceresscorerrecsersecsncsseses E-mail Address Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 8 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tarster from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, enline of over the phane, as of the business day we receive it, as long as & is made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other lecation or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR), and then to balances with higher APRs. We apply arty part of your payment 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 Smal! Susimess Accourn's) What To Do ff You Think You Find A Mistake On Your Statement: If you think there is an emer on your statemerk, 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 infomation: Your name and account rumber. Dollar amourt: The dollar amourt of the suspected error. Description of Problem: f you think there is an error on your bil, describe what you belewe is wrong and why you beleve its a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fet required te investigate any potential errors and you may hawe to pay the amount in question. We wil notily you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an eres, the folowing are fue We caret try to collect the amount in question, of reper you 3s delinquert on that amount. The charge in question may remain on your statement, and we may continue to charge you innerest om that amount. But, if we determine that we made a mistake, you will net have to pay the amourt in question of any interest or other fees felated to that amount. While you de mot have to pay the amount in question until we send you notice about the outcome of our inwestigation, you are responsible for the remainder af your balance. ‘We can apply aey unpaid amount against your cred® Emit. Within 90 days of our receipe of your letter, we will send you a written notice explaining ether that we corrected the error (to appear on your neat statement) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith 00 comect the peoblem 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 trae: 1) You must hawe used your credit card for the purchase. Purchases made with cash advances from an ATM o¢ with 3 check that accesses your credit card account do not qualify, and 2} You must not yet hawe fully paid for the purchase. If al of the criteria above ave met and you are stil 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. Ar that point, if we think you owe an amount and you de net pay we may report you as delinquent. © 2015 Capkal One. Capital One is a federally registered service mark. FICS 08/29/15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123897

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2of 2 www.capitalone.com Platinum MasterCard Account ending in NEW BALANCE MINIMUM PAYMENT DUE DATE $275.17 $133.00 Sep 12, 2016 Previous Balance Payments and Credits Fees and Interest Charged $269.81 - $0.00 + $5.36 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year $105.00 Total Interest This Year $33.33 Your minimum payment was not received in time to avoid a late fee. As a courtesy, we didn't charge you a late fee this month. Please nate that we may charge a late fee in future months if we dorit receive at least your minimum payment by your due date Jul. 16 - Aug. 15, 2016 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $0.00 31 Days in Billing Cyde $200.00 $0.00 $100.00 $0.00 New Balance $275.17 EFTA00123898

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Page 1 of 3 Customer Service EE Aug. 16 - Sep. 15,2016 31 Days in Billing Cyde www.capitalone.com oe wil pay more in imerest and ft will take you longer to pay off your balance. For example: Platinum MasterCard Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $230.75 $158.00 Oct 12, 2016 Marmum Payemect Sons} = if you woud lke information about credit counsaiing services, call t PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not recelve your minimum payment by your due date, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | ¥04™ayhevet pay alete te of up to $12.00, Available Credit: $0.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $275.17 - $49.00 + $4.58 + $0.00 = $230.75 uestions about this account, ease give us a call at 1-800-955-6600. We'll be glad ielp you Monday through Friday from 8 a.m. to 11 p.m_ ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET Your account is RESTRICTED New York residents may contact the New York State Department of Financial Services to New York State Department of Financial Services | or www.dis.ny.gov. account status and payment options. (TRANSACTIONS ) PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS 1 ie 800 -9 5 5 x 6600 1 19 AUG Security Deposit Applied ($49.00) 300056-C TRANSACTIONS FOR PHILLIP | WILLIAMS (I INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. FEES 1 ann Annual Percentage Balance Subject to ‘otal Fees This Period $0.00 es This Type of Balance Rate (APR) Interest Rate Interest Charge INTEREST CHARGED Purchases 23.15% P $233.16 $4.58 Cash Advances 25.15% P $0.00 $0.00 P.LD,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Es ee : Account ending in Due Date New Balance Minimum Payment Amount Enclosed Take Advantage. Take Control. Manage your account online at www.capitalone.com Oct 12, 2016 $230.75 $158.00 PLEASE PAY AT LEAST THIS AMOUNT * Set up account alerts * Review account information * Manage your account in privacy PHILLIP I WILLIAMS 400020 } BROOKLYN, NY 11234-4029 Capital One Bank (USA). N-A- P.0. Box 71083 TT od Charlotte, NC 28272-1083 ee EFTA00123899

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Alternate Phone .... How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for one Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 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 (indudieg 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 cof that day. The result is the daily balance for each segment. However, # you paid your previous month's balance in full (or your previous statement balance was zero of 8 credit amount), new transactions which post Wo your purchase segment are not added to the daily balance. 2. Nest, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each seartent. 3. Atthe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periedic rate {APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cyde. We add the Interest Charges for all segments together. The resuk is your total Inerest Charge for the Biling Cycle. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on one of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accoure, look for a leer code ‘on the trot of this statement next to your APAls). Then check the table below: When your APR(s) will change Index + margin (previously disclosed to you) Prime Rate + margin J menth UBOR + margin The fiest day af the Bling Cycles that end in Jan., Apel, Juby, and Oct. ‘The first day of each Billing Cyde. Prime Rate + margin 1 menth UBOR + margin How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual 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 monthly membership Fee, dase your account and we will stop assessing your monthly membership Fee. Mane cant Clase My Account? You can contact Customer Service anytime to request that we dese your vow dot Make Payments You may make your payment in several ways: 1. Online and logging inte your account; 2. Capital One Mabie Barking app for apgeaved electronic devices; 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number listed on the front of this statement and providing your ifommation to our fepeesentative; 5. Sending mail payments to the address on the front of this statement with the payment coupan or your account information. Changing Address? Address Home PHONE .........ccccresoresrocorscsccerceresscorerrecsersecsncsseses E-mail Address Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 8 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tarster from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, enline of over the phane, as of the business day we receive it, as long as & is made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other lecation or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR), and then to balances with higher APRs. We apply arty part of your payment 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 Smal! Susimess Accourn's) What To Do ff You Think You Find A Mistake On Your Statement: If you think there is an emer on your statemerk, 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 infomation: Your name and account rumber. Dollar amourt: The dollar amourt of the suspected error. Description of Problem: f you think there is an error on your bil, describe what you belewe is wrong and why you beleve its a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fet required te investigate any potential errors and you may hawe to pay the amount in question. We wil notily you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an eres, the folowing are fue We caret try to collect the amount in question, of reper you 3s delinquert on that amount. The charge in question may remain on your statement, and we may continue to charge you innerest om that amount. But, if we determine that we made a mistake, you will net have to pay the amourt in question of any interest or other fees felated to that amount. While you de mot have to pay the amount in question until we send you notice about the outcome of our inwestigation, you are responsible for the remainder af your balance. ‘We can apply aey unpaid amount against your cred® Emit. Within 90 days of our receipe of your letter, we will send you a written notice explaining ether that we corrected the error (to appear on your neat statement) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith 00 comect the peoblem 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 trae: 1) You must hawe used your credit card for the purchase. Purchases made with cash advances from an ATM o¢ with 3 check that accesses your credit card account do not qualify, and 2} You must not yet hawe fully paid for the purchase. If al of the criteria above ave met and you are stil 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. Ar that point, if we think you owe an amount and you de net pay we may report you as delinquent. © 2015 Capkal One. Capital One is a federally registered service mark. FICS 08/29/15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123900

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2of 3 _ Customer Service| www.capitalone.com Platinum MasterCard Account ending in NEW BALANCE MINIMUM PAYMENT DUE DATE $230.75 $158.00 Oct 12, 2016 Previous Balance Payments and Credits Fees and Interest Charged $275.17 - $49.00 + $4.58 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES $4.58 Total Interest This Period $4.58 TOTALS YEAR TO DATE Total Fees This Year $105.00 Total Interest This Year $37.91 Your minimum payment was not received in time to avoid a late fee. As a courtesy, we didn't charge you a late fee this month. Please note that we may charge a late fee in future months if we dorit receive at least your minimum payment by your due date. Your account is now closed. Charges made prior to your request to close will still past to your account, but future charges will be declined. If you have a balance, please continue to make payments until your balance reaches $0. Your account will be reported to the credit bureaus as dosed. Aug. 16 - Sep. 15, 2016 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $0.00 = 31 Days in Billing Cyde $200.00 $0.00 $100.00 $0.00 New Balance $230.75 EFTA00123901

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Rev. 07/2015 201213 Pe 4 CapitalOne WHAT DOES CAPITAL ONE® DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: = Social Security number and income = Account balances and payment history = Account transactions and credit card or other debt All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Capital One chooses to share; and whether you can limit this sharing. Does Capital One Can you limit this share? sharing? Reasons we can share your personal information For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes — to offer our products and services to you For joint marketing with other financial companies For our affiliates’ everyday business purposes — information YES YES about your transactions and experiences For our affiliates’ everyday business purposes — information about your creditworthiness For our affiliates to market to you For nonaffiliates to market to you = Call us toll free: 1-888-817-2970 — our menu will prompt you through your choices. To limit our sharing Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Go to www.capitalone.com/contactus OID:17697 Please Recycle EFTA00123902

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fPage2 2 Who we are Who is providing this notice? Our affiliates include financial companies with the Capital One, Chevy Chase, Onyx, and Greenpoint names, such as Capital One Bank (USA), National Association; and Capital One, National Association. What we do How does Capital One . To protect your personal information from unauthorized access and use, protect my personal information? | we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does Capital One collect my | We collect your personal information, for example, when you personal information? = Open an account or deposit money = Pay your bills or apply for a loan = Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can’t | limit all sharing? Federal law gives you the right to limit only = Sharing for affiliates’ everyday business purposes — information about your creditworthiness = Affiliates from using your information to market to you ® Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. What happens when I limit Your choices will apply to everyone on your account. sharing for an account | hold jointly with someone else? Definitions Companies related by common ownership or control. They can be financial and nonfinancial companies. ® Our affiliates include financial companies with the Capital One, Chevy Chase, Onyx, and Greenpoint names, such as Capital One Bank (USA), National Association; and Capital One, National Association. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. ® Nonaffiliates we share with can include insurance companies, service providers, co-branded partners, retailers, data processors, and advertisers. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. = Our joint marketing partners include companies such as other banks and insurance companies. Other important information CA and VT Residents: We will not share your information with companies outside of Capital One, except for our everyday business purposes, for marketing our products and services to you, or with your consent. VT Residents only: We will not disclose credit information about you within or outside the Capital One family of companies except as required or permitted by law. NV Residents: Notice provided pursuant to state law. To be placed on our internal Do Not Call List, call 1-888-817-2970. If you would like more information about telemarketing practices, you may contact us at Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285 or webinfo@canitalone.com. For more on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 1-702-486-3132; e-ruail: BOPINFO@ag stale bv us. Telephone Communications: All telephone communications with us or our authorized agents may be monitored or recorded. © 2015 Capital One. Capital One is a federally registered service mark. All rights reserved. EFTA00123903

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Page 1 of 2 Customer Service Sep. 16 - Oct. 15,2016 30 Days in Billing Cyde www.capitalone.com oe will pay more in interest and it wil take you longer to pay off your balance. For example: Platinum MasterCard Account ending in = Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $235.18 $183.00 Nov 12, 2016 Mnerum Payemert Wort we it you woul lke information about credit counsaiing services, call t PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Credit Limit: $200.00 Cash Advance Credit Limit: $100.00 | %04™ayhevet pay alete fe of up to $12.00, Available Credit: $0.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $230.75 - $0.00 + $4.43 + $0.00 s $235.18 uestians about this acco unt, please give us a call at 1-80 955-6600. We'll be glad ielp you Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET Your account is RESTRICTED New York residents may contact the New York State Department of Financial Services to cbtain a comparative listing of creditcard rates, fees, and grace periods. Contac the Please give us a call to discuss your New York State Department of Financial Services: a or www.dfs.ny.gov. account status and payment options. (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS | | 1 - 800 z g 3 5 nt 6600 TRANSACTIONS FOR PHILLIP | WILLIAMS [i 300056-C INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total Fees This Period $0.00 . Type of Balance Annual Percentage Balance Subject to Interest Charge INTEREST CHARGED Rate (APR) Interest Rate INTEREST CHARGE:PURCHASES $4.43 Purchases 23.15% P $232.88 $4.43 Total Interest This Period $4.43 Cash Advances 25.15% P $0.00 $0.00 . P,L.D,F = Variable Rate. See reverse af page 1 for details Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Es ee : Account ending in Due Date New Balance Minimum Payment Amount Enclosed Take Advantage. Take Control. Manage your account online at www.capitalone.com Nov. 12, 2016 $235.18 $183.00 PLEASE PAY AT LEAST THIS AMOUNT * Set up account alerts * Review account information * Manage your account in privacy PHILLIP I WILLIAMS 4n00z0 BROOKLYN, NY 11234-4029 Capital One Bank (USA), N-A. P.0. Box 71083 SO Tbe DT Charlotte, NC 28272-1083 He ee ee it ee EFTA00123904

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Alternate Phone .... How Can | Avoid Paying Interest Charges? If you pay your slatement’s New Balance in full by the due date, we wil not charge you interest on ary 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 pertion of the balance that you did not pay. For Cash Advances and Special Transfers, we wil 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 starement 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 itis paid im full. This means you may owe Interest Charges even # you pay the entire New Balance for one Billing Cycle, but did net do so the previous Billing Cyde. Unpaid Interest Charges are added to the comespending segment of your account. Do you assess a Minimum Interest Charge? Vie may assess a mirimum Interest Charge of $0.90 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 (indudieg 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 cof that day. The result is the daily balance for each segment. However, # you paid your previous month's balance in full (or your previous statement balance was zero of 8 credit amount), new transactions which post Wo your purchase segment are not added to the daily balance. 2. Nest, for each segment, we add the daily balances together and divide the sum by the number of days in the Biling Cycle. The result is the Average Daily Balance for each seartent. 3. Atthe end of each Billing Cyde, we multiply your Average Daily Balance for each segment by the daily periedic rate {APR divided by 365) for that segment, and then we multiply the result by the number of days in the Biling Cyde. We add the Interest Charges for all segments together. The resuk is your total Inerest Charge for the Biling Cycle. NOTE: Due te rounding of a minimurn Interest Charge, this calculation may vary slightly from the Interest Charge Sdlually assessed. How can my Variable APR change? Your APR may increase or decrease based on one of the following reported indices (reported in The Wail Street Journal). To find which index is used for your accoure, look for a leer code ‘on the trot of this statement next to your APAls). Then check the table below: When your APR(s) will change Index + margin (previously disclosed to you) Prime Rate + margin J menth UBOR + margin The fiest day af the Bling Cycles that end in Jan., Apel, Juby, and Oct. ‘The first day of each Billing Cyde. Prime Rate + margin 1 menth UBOR + margin How can | Avoid Membership Fees? If a Renewal Notice & printed on the front of this statement, you may avoid paying an aenual 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 monthly membership Fee, dase your account and we will stop assessing your monthly membership Fee. Mane cant Clase My Account? You can contact Customer Service anytime to request that we dese your vow dot Make Payments You may make your payment in several ways: 1. Online and logging inte your account; 2. Capital One Mabie Barking app for apgeaved electronic devices; 3. Telephone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. Calling the telephone number listed on the front of this statement and providing your ifommation to our fepeesentative; 5. Sending mail payments to the address on the front of this statement with the payment coupan or your account information. Changing Address? Address Home PHONE .........ccccresoresrocorscsccerceresscorerrecsersecsncsseses E-mail Address Please print address or phone number above using blue or black ink. oor iby How do you Process Payments? ‘hen you make 8 payment, you authorize us to inkiate an ACH oF electronk payment that will be debited from your bark account or other related account. When you provide a check of check information to make a payment, you authorize us to use information from the check 10 make a one-time ACH of other electronic tarster from your bark account. We may also process & as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. When will you Credit My Payment? _ For mobile, enline of over the phane, as of the business day we receive it, as long as & is made by 8 p.m. ET. For mailed payments, as of the business day we receive it, as long as you send the bottom portion of this statement and your check to the payment address on the front of this statement. Please alow at least (7) business days for mail delivery. Mailed payments received by ws at any other lecation or payments in ary other form may not be credited as of the day we receive them. How do you Apply My Payment? We generally apply payments up to your Minimum Payment fiest to the balance with the lowest APR linchading O% APR), and then to balances with higher APRs. We apply arty part of your payment 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 Smal! Susimess Accourn's) What To Do ff You Think You Find A Mistake On Your Statement: If you think there is an emer on your statemerk, 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 infomation: Your name and account rumber. Dollar amourt: The dollar amourt of the suspected error. Description of Problem: f you think there is an error on your bil, describe what you belewe is wrong and why you beleve its a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us of natify us electronically, but if you de we are fet required te investigate any potential errors and you may hawe to pay the amount in question. We wil notily you in writing within 30 days of our receiet of your letter. While we investigate whether or nat there has been an eres, the folowing are fue We caret try to collect the amount in question, of reper you 3s delinquert on that amount. The charge in question may remain on your statement, and we may continue to charge you innerest om that amount. But, if we determine that we made a mistake, you will net have to pay the amourt in question of any interest or other fees felated to that amount. While you de mot have to pay the amount in question until we send you notice about the outcome of our inwestigation, you are responsible for the remainder af your balance. ‘We can apply aey unpaid amount against your cred® Emit. Within 90 days of our receipe of your letter, we will send you a written notice explaining ether that we corrected the error (to appear on your neat statement) or the reasons we believe the bil is correct. Your Rights If You Are Dissatisfied With Your Purchase: If you are dissatisied with the goods or services that you have purchased with your credit card, and you have tried in good faith 00 comect the peoblem 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 trae: 1) You must hawe used your credit card for the purchase. Purchases made with cash advances from an ATM o¢ with 3 check that accesses your credit card account do not qualify, and 2} You must not yet hawe fully paid for the purchase. If al of the criteria above ave met and you are stil 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. Ar that point, if we think you owe an amount and you de net pay we may report you as delinquent. © 2015 Capkal One. Capital One is a federally registered service mark. FICS 08/29/15 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payment smoothly: «Make checks payable to Capital One Bank (USA), N.A. and mail with this payment slip. Don't staple or paper clip your check to the payment slip. Please don't include any additional correspondence. «Last but not least, be sure to write the last four digits of your account number on your check. EFTA00123905

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2of 2 - Customer Service| www.capitalone.com Platinum MasterCard Account ending in NEW BALANCE MINIMUM PAYMENT DUE DATE $235.18 $183.00 Nov 12, 2016 Previous Balance Payments and Credits Fees and Interest Charged $230.75 - $0.00 + $4.43 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year $105.00 Total Interest This Year $42.34 Your minimum payment was not received in time to avoid a late fee. As a courtesy, we didn't charge you a late fee this month. Please nate that we may charge a late fee in future months if we dorit receive at least your minimum payment by your due date Your account is now closed. Charges made prior to your request to close will still post to your account, but future charges will be declined. If you have a balance, please continue to make payments until your balance reaches $0. Your account will be reported to the credit bureaus as dosed. Sep. 16 - Oct. 15, 2016 Credit Limit: Available Credit: Cash Advance Credit Limit: Available Credit for Cash Advances: Transactions $0.00 FY 30 Days in Billing Cyde $200.00 $0.00 $100.00 $0.00 New Balance $235.18 EFTA00123906

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Page 1 of 2 . Customer Service 1-800-258-9319 Oct. 16- Nov. 15,2016 31 Days in Billing Cyde www.capitalone.com Platinum MasterCard Account ending in I Your fulllbalance is due. Any payment you make will reduce your balance and help pay of NEW BALANCE PAYMENT DUE DUE DATE your debt faster. The amount you owe may differ if you've entered info a separale payment $239.85 $239.85 PAST DUE a Available Credit: $ Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $235.18 - $0.00 + $4.67 + $0.00 = $239.85 Financial Services to New York residents may contact the New York State Department of obtain a comparative listing of credit card rates, fees, and grace periods. Contact the .- New York State Department of Financial Services: a or www.dis.ny.gov. Help Is Avail lable. (TRANSACTIONS ) i Just Pick Up the Phone. PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP | WILLIAMS I call 1-800-258-9319 and a specially trained agent will be happy to help you or answer any questions you may have. TRANSACTIONS FOR PHILLIP | WILLIAMS [i 300043-C FEES Total Fees This Period $0.00 INTEREST CHARGED INTEREST CHARGE CALCULATION INTEREST CHARGE:PURCHASES . $4.67 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total Interest This Period $4.67 f mi » Annual Percentage Balance Subject to TOTALS YEAR TO DATE Type of Balance Rate (APR) interest Rate interest Charge vg tal fees This Yeas 2 Ot Purchases 23.15% P $237.43 $4.67 7 7 Cash Advances 25.15% P $0.00 $0.00 P.L.D,F = Variable Rate. See reverse af page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. as : Account ending in cr Due Date New Balance Amount Enclosed _ Past Due $239.85 ; Stay Informed. (i) For the most current information about your account, give us a call at 1-800-258-9319. \ 400021 PHILLIP I WILLIAMS BROOKLYN, NY 11234-4029 Capital One Bank (USA).+ N-A- P.O. Box 71043 Pahl ee le eee ith Charlottes NC 28272-1083 ee ee eet ee EFTA00123907

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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 multiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all segments together. The result is your total Interest Charge for the Billing Cycle. The Average Daily Balance is referred to as the Balance Subject to Interest Rate in the Interest Charge Calculation section of this Statement. NOTE: Due to rounding or a minimum Interest Charge, thés calculation may vary slightly from the Interest Charge actually assessed. How can my Variable APR change? Your APRs may increase or decrease based on one of the following indices (reported in The Wall Street Journal ). The letter code below corresponds with the letter next to your APRs in the Interest Charge Calculation section of this statement. ‘Code next to | How do we calculate your When your APR(s) will change Prime Rate + margin 3 month LIBOR + margin The first day of the Billing Cycles that ‘end in Jan., April, July, and Oct. Prime Rate + margin 1 month oe + meyn The first day of each Billing Cycle. low can d statement, you may avoid cari 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 wil stop assessing your monthly membership Fee. How can | Close My Account? You can contact Custorner Service anytime to request that we close your account. Changing Mailing Address? You can change your address immediately at capitalone.com or complete the information below. Please print using blue or black ink How do you Process Payments? When you make a payment you authorize us to initiate an ACH or electronic payment that will be debited from your bank account or other related account. When you provide a check or check information to make a payment, you authorize us to use information from the check to make a one-time ACH or other electronic transfer from your bank account. We may also process it as a check transaction. Funds may be withdrawn from your bank account as soon as the same day we process your payment. How do you Apply My Payment? We generally apply payments up to your Minium Payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of yourpayment exceeding your Minimum Payment to the balance with the highest APR, and then to balances with lower APRs. Billing Rights Summary (Does not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 In your letter, g've us the following information: ¢ Account information: Your name and account number. ¢ Dollar amount: The dollar amount of the suspected error. ¢ Description of Problem: If you think there is an error on your bil, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us or notify us electronically, but if 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 letter, 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. © 2016 Capital One. Capital One is a federally registered service mark ETC-08 10116 Hew do ie Posmmacte? You may make your payrnent in several ways: Online Banking by logging into your account; : Capital One Mobile Banking app for approved electronic devices; 3. Telaphone Voice Response System by dialing the telephone number listed on the front of this statement and following the voice prompts; 4. — Sending mail payments to the address on the front of this statement with the payment coupon 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 they are made by 8 p.m. ET. ¢ For mail, as of the business day we receive it as long as it is received by 5 p.m. local time at our processing center. You must send the bottom portion of this staternent and your check to the payment address on the front of thés statement. Please allow at least seven (7} business days for mail delivery. Mailed payments received by us at any other location or payments in any other form may not be credited as of the day we receive them. oor To change or update your address please call 1-800-258-9319 or visit www.capitalone.com 18 EFTA00123908

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201146 Your account has charged off. It is now being serviced by the Recoveries department. Call 1-800-258-9319 if you have questions about this notice. EFTA00123909