Case 1:13-cv-01091-LMB-TCB Document 1 Filed 08/30/13 ......O 240Tortsto Land D 443 Housing/ Sentence 26 USC 7609 StateStatutes O 245Tort ProductLiability Accommodations O 445 Amer

UNITED STATES DISTRICT COURT FOR

THE EASTERN DISTRICT OF VIRGINIA

MARGARET MURR, on behalfof herselfand all others similarly situated,

Plaintiff,

CAPITAL ONE BANK (USA), N.A.,

Defendant.

CivilActionNo.: iU3oV /£^|

lhbItcsJURY TRIAL DEMANDED '

o

i—n c=>ro2 ZZ

15 ^ °n

>r_' o r~

-" TJmo

CLASS ACTION COMPLAINT

UJ

Plaintiff Margaret Murr ("Plaintiff) brings this action on behalf of herself and all others

similarly situated against Capital One Bank (USA), N.A. ("Capital One" or "Defendant")

pursuant to Rule 23 of the Federal Rules of Civil Procedure. Plaintiffs allegations against

Defendant are based on information and belief and upon investigation of Plaintiffs counsel,

except for the allegations specifically pertaining to Plaintiff herself, which are based upon her

personal knowledge.

INTRODUCTION

1. Using standardized and materially uniform promotional materials, Capital One

offers customers the opportunity to "SAVE!" with 0% APR for 12 months on funds borrowed

through the use of its "Access Checks." The Access Checks are included with the promotional

materials (the "0% APR Offer") mailed to Plaintiff and the other members of the Class. See

Exhibit A at l.1 In the promotional materials, Capital One states that it will merely assess a

Capital One made 0% APR Offers with slightly different promotional periods (i.e., 6 and12 months) and associated transaction fees (i.e., 2% and 3%). Notwithstanding the differentpromotional periods or transaction fees, Capital One's misrepresentations, omissions, andresulting unlawful practices at issue are the same. For purposes of formatting, what appear as

{00063646.V1}

Case 1:13-cv-01091-LMB-TCB Document 1 Filed 08/30/13 Page 1 of 36 PageID# 1




































JS4< (Rev. (312) CIVIL COVER SHEET

(•WMI-UtglteThe JS44civil cover sheet and the information contained herein neither replace nor supplement the filing and service ofpleadings orother papers asrequired bylaw except asprovided bylocal rules ofcourt. Thisform, approved bytheJudicial Conference of theUnited States inSeptember 1974, isrequired fortheuseof theClerk ofCourt forthepurpose of initiating thecivildocket sheet. (SEE INSTRUCTIONS ON nextpage OFTHIS FORM.)

I. (a) PLAINTIFFSMARGARET MURR, on behalf of herself and all others similarly situated

DEFENDANTSCAPITALONE BANK (USA), N.A.

(b) County ofResidence ofFirst Listed Plaintiff Maricopa County. Arizona(EXCEPTIN US. PUINTIFF CASES)

County ofResidence ofFirst Listed Defendant Fairfax County.(IN US. PLAINTIFFCASESONLY)

NOTE: IN LAND CONDEMNATION CASES. USE THE LOCATION OFTHE TRACT OF LAND INVOLVED.

(c) Attorneys (Firm Name, Address, and Telephone Number)Daniel Cohen, Robert Cynkar, Pamela Gilbert: Cuneo Gilbert & LaDuca106-A South Columbus Street

Alexandria, VA 22314 Tel: 202-789-3960

Attorneys (IfKnown)

II. BASIS OF JURISDICTION (Piacean "X" in One Box Only)

O 1 U.S. Government

Plaintiff

O 3 Federal Question

(U.S. GovernmentNot a Parly)

III. CITIZENSHIP OF PRINCIPAL PARTIES (Placean "X^nOne Boxfor Plaintiff(ForDiversity Cases Only) andOne Boxfor Defendant)

PTF DEF PTF DF.F

Citizen ofThisStale O \ O I Incorporated orPrincipal Place D 4 ffl 4of Business In This State

• 2 U.S. Government

Defendant59 4 Diversity

(Indicate CitizenshipofParlies in ItemHI)Cilizen ofAnother Stale

Citizen or Subject ofnForeign Country

X 2 2 Incorporatedam/ Principal Placeof Business In Another State

0 3 D 3 Foreign Nation

O 5 O 5

O 6 n 6

IV. NATURE OF SUIT (Place an"X" inOne Box Only)1 CONTRACT TORTS FORFEITURE/PENALTY BANKRUPTCY OTHER STATUTES 1

0 110 Insurance PERSONAL INJURY PERSONAL INJURY O 625 Drug RelatedSeizure O 422 Appeal28 USC 158 D 375 False Claims Act• 120 Marine • 310 Airplane O 365 Personal Injury - ofProperty21USC88l O 423 Withdrawal D 400 State Reapportionment0 130 Miller Act O 315 AirplaneProduct Product Liability a 690 Other 28 USC 157 O 410 AntitrustO 140 Negotiable Instrument Liability

O 320 Assault. Libel &Slander

O 367 Health Care/

Pharmaceutical

Personal Injury

O 430 Banksand BankingO 150 Recovery ofOverpayment PROPERTY RIGHTS O 450 Commerce

& Enforcementof Judgment O 820 Copyrights O 460 DeportationO 151 Medicare Act O 330 FederalEmployers' Product Liability O 830 Patent O 470 Racketeer Influenced andD 152 Recovery ofDefaulted Liability O 368 Asbeslos Personal • 840 Trademark Corrupt Organizations

Student Loans O 340 Marine

D 345 Marine Product

Liability

Injury ProductLiability

PERSONAL PROPERTY

O 480 Consumer Credit(Excludes Veterans) LABOR SOCIAL SECURITY O 490 Cable/Sat TV

O 153Recoveryof Overpayment • 710 Fair Labor Standards O 861 HIA (1395(1) O 850 Securities/Commodities/of Veteran's Benefits D 350 Motor Vehicle O 370 Other Fraud Act a 862 Black Lung (923) Exchange

a 160 Stockholders'Suits O 355 Motor Vehicle O 371 Truth in Lending • 720 Labor/Management O 863 DIWC/DIWW (405(g)) O 890 Other Statutory ActionsH 190 Other Contract Product Liability O 380 Other Personal Relations O 864 SSID Title XVI O 891 Agricultural ActsD 19SContract Product Liability O 360 Other Personal Properly Damage D 740 Railway Labor Act O 865 RSI (405(g)) O 893 Environmental MattersO 196 Franchise Injury O 385 Property Damage O 751 Family and Medical O 895 Freedom of Information

O 362 Personal Injury- Product Liability Leave Act ActMedical Malpractice D 790 Other Labor Litigation

O 791 Employee RetirementIncome Security Act

O 896 Arbitration1 REAL PROPERTY CIVIL RIGHTS PRISONER PETITIONS FEDERAL TAX SUITS

O 210 Land Condemnation O 440 Other Civil Rights Habeas Corpus: O 870 Taxes (U.S. Plaintiff Act/Review or Appeal ofO 220 Foreclosure O 441 Voting G 463 Alien Detainee or Defendant) Agency DecisionO 230 Rem Lease & Ejectment O 442 Employment O 510 Motions to Vacate • 871 IRS—Third Party O 950 Constitutionality ofO 240 Torts to Land D 443 Housing/ Sentence 26 USC 7609 State StatutesO 245Tort ProductLiability Accommodations

O 445 Amer. w/Disabititics -

Employment

O 530 General

D 535 Death PenaltyOther:

O 290 All Other Real Properly IMMIGRATION

D 462 NaturalizationApplicationO 446 Amer. w/Disabilities - D 540 Mandamus & Other O 465 Other Immigration

Other a 550 Civil Righls Actions

G 448 Education O 555 Prison Condilion

O 560 Civil Detainee -

Conditions of

Confinement

V. ORIGIN (Place an "X" in One Box Only)JS 1 Original O 2 Removed from O 3 Remanded from O 4 Reinstated or • 5 Transferred from O 6 Multidistrict

Proceeding State Court Appellate Court Reopened Another District Litigation(specify)

VI. CAUSE OF ACTION

Citethe U.S.CivilStatuteunderwhichyou arc filing(Da netcitejurisdictionalstatutes unless diversity):28 USC 1332(d)(2)Briefdescription ofcause:Breach of Contract

VII. REQUESTED IN S CHECK IF THIS IS ACLASS ACTION DEMANDS CHECK YES only ifdemanded incomplaint:COMPLAINT: UNDER RULE 23. F.R.Cv.P. (W fC llAi[\i(-\tf\ JURY DEMAND: » Yes ONo

VIII. RELATED CASE(S)117 AIVV (Seeinstructions):

DATE

08/30/2013

FOR OFFICE USE ONLY

RECEIPT*

JUDGE

AMOUNT APPLYING

DOCKET NUMBER

Y OF RECORD

JUDGE MAG. JUDGE

Case 1:13-cv-01091-LMB-TCB Document 1-1 Filed 08/30/13 Page 1 of 2 PageID# 37


'^aSBBHUu,MIL FHIBS Kffi -'.

CHECK ~~" —-

_tot Tendered: J4BB.0B f

flUHGFEEH3CM91

L*-~^^^«v«««,^^^^^.^v>sV(^^^w--,-,^,.,.;,.,


EXHIBIT A







EXHIBIT B









Case 1:13-cv-01091-LMB-TCB Document 1-5 Filed 08/30/13 Page 1 of 4 PagelD# 54

EXHIBIT C

ne.com/nohassle

PLEASE PAT At11.41 MIAOW


600023Ch(oHassle rewards"

Explore your points with your pointer.Click over to capitalone.com/nohassleand find ways to earn, redeem, and keep track capital'of your points—all in one place.

ca, ciiI

capilat.Pt001

Colseetr kW= 14004194071WWW.CapltalOnteeto

40 2.Od. 29. Nev.28, 2012 31 Daysta Bang COI)

TATE TIMM!WADING; os Osaatracalnsorakersaa porsstiVW0AdOs.Fistiouto Wastmcgsd xxxxxemoo(x4642 yciJ MIIan5) mann Nsdapas $35.00ad norPPRansate romaIon es

NEW BALANCE IM

$5, .38

MUM PAYMENT DUE DATE573 $67.00 Die211, 2012

PooleAPR dNeatNICm:Rua 57000000 CashAdams *el Unit110000.00

I krabbb Deft $14.176/7 Avolabbcredt 6s Cab Atkeneed10,00000

[RevlousBatauce Payments and °edits Fees and tatetost Wansactions Now Balance

j1 WHOM 1 PAM $11.31 4. 81,33§ TR a 1.5,1173.311

(TRANSACTIONS REWARDS offoRmAnotaommEML OWN& 1007571117475 KU =GARET DRUM 41541 NOMMUNE NWARDSBALANCE 10.3461 08 NOY C111117411110. 61WARD (MBA MAROS EARNED nosPER= 1.6731 16501 [wowmum (11illa

(001as traosama; gaud Wring entering ode1R0546AC111716 FOS MARGARET 141121 03942 MEWED NS660130 (1127931 31 0C1 ROM CEINAH woort7074534177CA $136.00 /mallBALMAS OF 11=2012 6902 01501 SFECTIA OT 1/6111101SUMIPIAZ 540003 05 SOY 3411115116153616177171 16662A 07 HOY CPAIE (MAST 141170,C1 113940 Foruptadde netrestruelne. vie5 27 NCH WM WHACHINFINIMSUNTASEN 59.71 wonaapitiarateam C?1,10 Hassle rewards'6 21501 0575 038211307233875886511711112 SZ3.65 ordui* WI 149142140017 77 1;05 COO MR 511.01918PMEAZ 57107

111^ TotillazaelaultisPafod TIMMINTEREST CHARGE CALCULATION

ToorMAIN1Perwmapo Rd.ONO Is theswat Wetost ma onyouraccostFEES peera

ToFtThePteed 10.03 Two ol Uwe Aortaln! es

ge BalanceSubleetto tautestano (APO Interest ROA

luthases I 13.90% P I $958.17 1 $11.31WIMances 11.97% P 10.00 MOinventive 0.00% MAUS SONO

Transactiom continue on page 2 MD; Wm* Pam Soo mono Wwoo I lot Malt

PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOURPAYMENT ONLINE.I

1 5178058415145542 28 5573580450240087004

Account Number: 5178-0584-1S14-5542Dm Data Now latame Minn Pared Await Wand

Dee 25. 2012 N $5.573.58 c 887.00 N GO PAPERLESSIPLEASE PAYAT LEAST The trees will thank you.

71073 PA1311NT

Sign up at www.capitalone.commom

NAREARET NUNN111011 II NAJESTIC VISTA CTmattenst. AZ 85357-738e Capital Ono Bank (USA). N.A.

P.O. Boo kOS11•11111111.11.1.1hIlik.111.1911111w11011,91111111h641116. City of Industry. CA 41716-0Si%

1"1/01111/11111414111114111/441"111111111001/111111

Phase make dtedo payable to Coital One Bank (USA) NA end mai aillt eiscomon in the enclosed envelope.


Explore your rewards and redeem your points online:

1. Log in or enroll at capitalone.com/nohassle2. Cid the Rewards Summary tab

3. Clid the Explore Rewards button

C(NoHassle rewards'

&cardspostratafernan sad woo wry wtr) 62012 Cç.i1u1Oat CdpisdOur a *kindly rightend rewire mai Ail?Vas notorni

prop tolutaag tomett mos Nps03 on mew amaantsam. 10 afts *OMttni• 3 gat Vpm tittOot IN 80010010 mato60 donset0 Nowtorag3031 a toosonowt.Sabo WOO:deb tokatdastabart toolo too AM tbabbaOa gait tabs too ow=At in61 foy woos won rszi= 160041801 61 0. 404 a 004c0t". ba two to lit soCola=toow llovoloso abasloyawAMMO lbw sperAlltil tot swot so swop. at mob won tO mutantto to So wown baton We ott Irogg yosMN Oda + mob gowlsatwOolosolbwog .44..4. Amuso. oolsol *Nowcl v.tam

e Pssortato saw Ino Itogo sift IONon=So Volt to intwoorokrberonoNo los Woo allow. Atbeam own,

1. 3 0:0011300 sass ext, el wt. OA Ob.sot Oct trictoatot maga= um=a goasta.or root=stellansw waistsoma.

Os dap a =Ow ao woo ol ow wombsadwowmeow 7000,5* you Malta eltilawl.0 IS:millet amp lbhaloO mg 1st toe =yewbr so ark4 nab pi WI= too= op no wowa goo= atoy gnawstowt 1 owe MR asp otwello WI:wad bra Wood ago twos

Nott as 1 aoundomolusereeo fgas walt 30.31*73101181 Saw& 313. tot Who* Meall oggibilmeag000moo* oat poet 0 3i ato wog fa *VW bop ow a ma 11 =OAK /I bow nobs 11 wool bco= to arasps* ts0ast bonarbt Nownob, tw000rowitbS to. It=Sonotoo Aa.des. touftwann pool woo= old ant so gtora <toots aria* ong too iswatt robbas1, baa at anab& al'at Ofw flabWola Robdb1brows ow ma *tog wad orb Oros ottomans& Ow era yam Nrct*Ntath grams. ssowt AM totOw* otho blobgong= tovatos aa P4sal a.aaaaamaiaa.sob*sobs 0313. ow wow=Asaan to woostsootor FRAMOM Mow;manta1 so. losO Wt.Plow oba altos(711santa *so mat Ilgio*Stualmownam I* Emu= maeo rhypi 103131 30. 31 1) 0. 73db 00N3437t3003 Ono %socaon toblob. nova!, ads«.mad*. Quawaft tgo.160.0161 mew* .6 11 tot cgodat 06/ .0 IMO.; wet Wats Woos tow ca oory rays* wow Do Ow Owns how Owlsa* as paw* Pods hooka Nom ass to itaX013*41 0 a: at toosiN 113 041 3 klIt Dos mos pt, wqm gamic stops wo ssy tb* esso acreee 600 woo Otto so posto chator sbotataast0 iambsWINK INNANn .0000 cow ssow es3313131 so *so 10 03 00001 000. 0,0*4 .00,0 60000 0:00I st p13p.0. di pa Aackpt Warts= somita ra ON %mawor sew boon todbobben year boa wowan sty03000.0.303120 3060oft 000i4N0010,110 OM*. onto oforscAND000001101 prom31.1113* Wow=

Oo yea moss ritygogyyymang A woo, 0044Gt SCLSOvate Num, Is rd. lout in Or*woo*et se so owed Is boantat satesso, tta cooworso b Woos=b11gq1*)0, 00.334240:13*1s0000 tarp. *alt. g a nu ro sowsto oast. normwawa Cat odars. Do not sot worsts roan ;cosi oftlloo so ea oguieLotuttiagami 511 a ratted WO Swop Catt bow *boast sto 833.5 was Start:W;(4m l.a31.70*73. so=litto CVOs Id earbatoyao,m, too. 0,0,4 (ow". do bd., fo, b.% ..teb, kr." 33.35 ortartabo Otto wows Coal Ow 101w UM tarlaloort. O1)39711

411 so• moo= ott Ito ow* won dolt on Or ;was da'stilwa. 34o *sow ausolown soosoiroismitAiss4o s=makainessokomm;wanted most, os wpm adOtt dap %beta NO* egg Woo tor sot mos* boom Sow volt to Do IT,. *it Ow Owl Moto Om War Stolootot voot owe 4 IA 16:6 ropap,palms twaletaleo WO la wol boo aswoo* =Isswot oat gointaa bah wo sawooloni otttoy= pow. grow= tub= opowesw tat aged ostradO meat larLesaatical chI It a* shaaI grow=on tot odsboleldiat Moan Co=Oro

PA =MSSgot o soMoo DO,Ursa Ilott 64 lantwaseepterfet 319t4e3.4.42)NANO" amp,..„Isto Co. v1 1141100133thowarowlbona.Mabbbots1111= WORM. to tows=ow WowGoonbow11•Wart pot/ways oaf Wan my= =a yrso Salknogoantoot

39 dab Pogo aortsRfordidlo *owwe*awl, WWI1.41,1.100 0.4.04V1:1 omo Aggiguitc= Rt. woadmaw*mods.nenwag OWE Dortswadoy a wwwwwwnottoyaao=Os=ast nabob.wonWilt =mum taiiroboodeta tow= too.tooknowt otentzwzgla F. NitOw ow oat )0, 0.400141 yoa0413. Nog 10:1043Ow GP Wry/AO/Noma towount Wedwarat %a ailmot =ow o Wow. Owl w b""s"."'".

Oa ImoallaktuUstssoodatot WOop somata To. ono moo cocomano. so esmoil a 33.4 to, 0, hyo** tot g* r..04 oomo. 080 orn md Pk 33.35 1131411 obsw dlotorbbsol IowaOa lbow Oft boons* Itarrowbs 473113*4 lyWs Vona=Oa 30101101 ttwoCcaat paS 04,410,03.IP00 3,004well tow text*mobswhatpor reta ad oboe tawsow rya Wowg tabb sit totsar op roost swot to= ogmannWoos lagulzhcekno SmellRao OWon 11•Icrid (twig. an to sod 4060 9044100W WW10.100 War. Iv01•661 wet alma awnaztarog Iwo go towwws000) 011000,000,3/PON,01000C=0".10.01.0 00,NN 001100 10 40 NI/ at. MN NOtt010X0Orgto fad examotogo wooswo ohm oweettee =est 14 Os mow Pool sPo se dose par scam to sood min a *at% ftotwelo

04 3.. ...ft.. 0„, .64 Vow WooEftsSo tiltuallodVAllttloo0altamthookoso.11,00 oo onottoo 3011too meior

O00:004, 10 woo Igoe tot twasad aeS owmat tot of tot rawOrot a sad tab wawa no =Sao woch wawa los ow goo ao sfg as to pot Os boon seam aorco Os be= to weOa salt goboos Iliss.1441OSIOS)ft no =MO Cobb. %NA 0,0133M Manchus' easpotsum. m taseraifto mar

oat, 0.13.0. Wa.a. weema ann. slublteant. twdc.410,ad :mow.rms.. ate *mon*. 11=sat babe* ow mil owl lobo rod= =clawwade agia caststaasaVas maMarnaa

that elsa sopapurorSicot wowdossobisadaxon MaII Ye. otol vo Nostoore,too muse

Omolooppos sso doe or smog too atom od tyt• 30020 odea loy cbt b my wax asft pa. go net,. deal. Iecaat taws:atm potwat =woo I IlstdOonorracarbonaot taw of Osastro th• =Wm =lama =sawwa bow a dow3 or saissobl too aro 11 soi boy ow staa col at wow. 0= IS OS:otic cib,b0MOM V engto no01 Word am Oak AO cor thozots too soy to. ono I Owawe dana$ pok,xelsAsa.moot andosts rapetlet. Satototut PMOn0..4. ildshonst, 64 in. 000 rety 04 016 0066606 paran6 160=00.01.. beret 0.1011.10161CI WOOL oonnottwoo tows* moat Kw tlaao 000" at sow rob ton so so Wood wow o Mown =vs obt ors lags or

11 Dana bowl vs=aaptabbow awlnomow owwow* owoottn. to WI= an no OM= MOO OW toeOftsot ono In wow Sam Ong= trs

IN.^.11Von Ntimen*km Woot00 111:0•1354O0onfttoreny tryvow woos=woo now mot poat **got%poottprowybookno two wantstosa to bra= oownor ANoronewwWW111 owso cgosa oonownottatyam mow*woo wooed awamoon=MOM 00113.NMCarat 00:1101yte ONUNII 10.11 UMW= ON it06SU&pit 2011 00013.C30alOWtS. 413.moos= sowown topowwowOwnssta *WNW

WooonOtwho. ow= I-mewl=and porM, rtaisaata ow ammo*173atons lanot anldbt ro ao rob*oblu=Wed as go totort ortgod wawa

ocasmoo

Changing Address? Not quite ready to make payments online?Address No problem. Follow these simple steps to make sure

we process your payments smoothly:Nome Phone, Don't staple or paper dip your check to the payment slip.

Be sure to use the payment envelope that came with yourAlternateE-mail statement. Using a different envelope could delay processing.

Address Please don't indude any additional correspondence.Last but not least, be sure to write your 16-digit account

Please pinoften or phone number chows above Wog blue or btadi lak number on your check.


rg) Take Control with Online Statements

Managing your account online is easy:Check your balance and view recent activityView and pdnt copies of past statements

Pay your bill online

Sign up at www.capitalone.com CaPite'

Nets!! I

ci.a- CustomerSet** 1404554011mO.ri an re. mil 31 Oro ln BangCycle)v.etpitalonstom

MOAN liasterCant 10:014CO30:0304042

NEW BALANCE

KST3-111

NM= DUE DATEPAYMENT

NITA Du 2S, 2trI2 RealisticCent exCosh Man=

Cash ManceCreel Lielt

MAN,Credit S14,426.12

S10,1101100

SIAN0100

CreatLint SLO.COOLO

Previous Balance end Croats Fees and Interest Charged Tramadlans New BalanceS4AD104 WIL53 S11.31 SL331.78 I AMOS

(TRANSACTIONS CONTINUED

MUSTOVA=WRY CHNGEAPXHASES $11.31

Teal Mew The Prod 511.31

TOTALS VIAA TO CAWTO Res Tes Yev PITA

Tette MarKinilsYCY $11.31


EXHIBIT D


For your existing account ending in. 5542

Capital, ne.

This oiler good.until: February 3, 2013

4482500016511911 1066 017 0% APR forMargaret Murr19644 N Majestic Vista Ct AdTL

Surprise, AZ 85387-7588 12 rnonthswillikan111111 11111.1111.1111111.11d11914•1919111111

Your total credit limit as of 12/4/2012: $20,000

Dear Margaret Murr,

The only thing worse than paying too much in interest Ls letting this offer expire.

Yqtahave until Oebruary 3, 2013 to start.saving With a

.0% Annual"Percetitage Rate (AFR) for 12 monthi.

After that, your tate will simply go to your purchase rate, which is currently 13.9%. Keep in mind, foreach transaction, there's a fee of2%.

UM Transfer balances--0% for 12 monthsOther credit ords can charge you as much as 14.98%. Stop overpaying—transferhigher-rate balances to your existing Capital One° account and save!

MD Write a check to yourself-0% for 12 monthsThere are dines when cush is the only answer. With this offer, write a check to yourself,deposit it at your bank, and get cash without those high cash advance rates.

Aft Make a purchase-0% for 12 monthsUse one ofthe attached checks to make that special purchase you've been putting off—even at places that don't accept credit cards.

NOTE 10- Please read:If you accept this offer, you will pay interest on all purchasesmade with your credit card until your entire balance is paid off.See Special Notice on the back of this offer.

This offer is goixiiintilebruaty 3, 2013, so start saving today!

Enjoy 3 convenient ways to save with this offer...

W 2USE THE ENCLOSED CHECKS GIVE US A CALL GO ONUNE

by 02/03/13 1-800433-6393 uutitatent.corriallsob; 1 1,, L. 4,ts, FM133144

01011106 10233344031

041825-017


0°A3 11"tiar;11"ILIOn Itc Vnta CICheck Mull post by 2f3t2013 46070

Sunnite. AZ 85387,7288 D3te 66.1561531Promotional APR 01482S-017

For 12 months Pay ToThe.Order Of $1

:h1c_k ft 0079Ctonars

)ateCaPtitsh e. sco,re.a. va

amount 6/, 7Siglanne'ay to Memo

Check must post by IP 1. 60 ?De' CIO 5 3 LO L 5 6 LI:7 5 LOO L 3 3 3 78 6101February 3. 2013

Go online to see how much you can save when you transfer a balance!Go to capitalone.corn/offers, log in. and clickon,this link (located rust above your available offers)

a

to calculate how much you'll save with this offer. p.

Questions? We're here to help. Give us a call at 1-800-833-6393.Interest and Fee Information

APR for 0% for 12 months beginning with the list transfer.Check Transactions After that, you will be charged the APR for Purchases, 13.9%. This APR will vary with the marketand based on the Prime Rate, as previously disclosed.Transferred Balances

Use-by-Date These checks must post to your account by February 3, 2013 for the promotional APR to apply. II youuse the checks after that date, we may still honor the checks but you will not receive the promotionalAPR. Instead, the APR for Purchases will apply.

Fee 2% of each transaction.

Paying Interest We will begin charging 0% interest on these checks and transfers on the transaction date.

These rates, lees, and terms also apply to any other checks numbered 46070 through 46074 previously mailed to you

0% Margaret blurs19641 N tleitt!V!,,,,v2

Check must post by 213/2013ar-tr.alc,

46071

Promotional APRfor 12 months

:heck 46071

)ale

%mount

'ay to

Chock must pan by tr GO LP° 1:0 53 L01, 56 L1:751,00 L333713640rebrualy 3. 2013

0% MargaretMasestecMuff.

12644 N Vista CICheck mun pest by 21312013 46072

Surprise. AZ 85387-7588 Date 66.156/531Promotional APR 044325-017

for 12 months Pay To The IOrder Of I

A46072

sate sar—i.'"Doltats

Ca raft 4: em.,,o sa

mount ViSitinituna/Memo"ay to 1-.0:4,,, 60.1.,,,,, NA

Check must post byFebruary 3. 2013 VI. GO 7 210 40 5 3 LO L 5G LI: 7 5 LOO L 3 3 3 78 6 LIP

ray so mt.

MOm0

CaPi RtftWerct Vsl

Dollars

Order Of


If you always pay your balance in full each month, you do not pay interest on youi purchasThis is called a grace penod. Please note that of you take this offer. you will lose your gracis percdIf you transfer a balance to this account, you will begin paying interest on all new purchairKeven if you pay your purchase balance in full each month. To avoid paying interest on yourps.orcildw>, you must pay both your transferred balance and your purchase balance in full


Answers to frequently asked questtons

O When can I start using the enclosed crtecks' 0 It I accept :hi, will I be open.nu a new credd card account'

What will my rate hr. after the prornott.mal rate 1,113ir.S'

0 How Muth of my total credit limit can I WO, with this offer"

O Does this promotional rate apply to purchases made with mycredit card'

O How long writ it take for one of these checks lu post to

my account'

0. if I transfer a balance Item another lender do I still need tocontinue to pay that lender?

O Can I use the enclosed checks to get cash,

0 Can I avoid interest on flew purchases after I transfer a balance"

Important Information About This Offer

Please make sure the total of your checks, transactions, and fees does not exceed your available aedit.

We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined if:-Yen account is deinquerst. cvtdlrrtrt. charged-oft or dosed-You have filed for baninrptcyYour card has been reported Inst or stolen, or our fraud system prevents the offer fulfillmentA teem of your account relevant to the alter (Ike credt fine. APR. or your special transfer rate) has changed ince we mailed the offer

All transaction fees cfisclosed Will apish,. but may be waived by Capital One, without losing our nghts to impose those lees in Ilse future.

if you have an authorized user an your account, the authorized user cannot request a transfer or use any checks.

SO Fraud Liabifity dims are subject to verification and investigation.Balance transfers between Capital One accounts are nat permitted. That means balances cannot be transfened to this account hairs anyother aed4 card issued

by Capital One including. but nat limited to, Rohl's, Sony, GM, Union Plus, Teamster Privilege, Best Buy, Household Bank, and Orchard Bank.

Access checks will not be accepted as payments on other Capital One accounts. Please do ant use these checks to payany credit card issued by Capital Oneincluding. ba net Smiled ro, Kohl's, Sony, GM, Union Plus, Teamster Priilege, Best Buy, Household Bank, and Orchard Bank

The HEXAGON DEState (AHD VARIATIONS). FISBC:THE WORLD'S LOCAL BANKTHOUSENO(D• (AHD DESIGN), and HOUSEHOLD BANKare registeredtrademarh of ItSBC Holdings plc or FISBC Finano Corporation and are used by Capital Ons' by permission. CapitalOne is the issuer of this accoua UnionPlus is a registered trademark of Union Prisilege. Best Bilis a trademark of KIT Solutions, Inc.

Those Checks:Are treated as special transfers and erill post to one of your special transfer segments of your account if used before the promotional rate offer woes on

213(2013. if they post to your account after that date, they will be treated as purdusses and writ post to your purchase segment al your account.

Are subject to the terms and condtions of your Customer Agreement as amended. Please be aware that the sultan titled "Your Rights If You AreDissatisfied Uth Your Credt Card Purchases' in the Efilling Rights Summary on the back cif your periodc statement does nut apply to these checks.

Do not earn Rewards.

Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, NA, which has suffident funds to covet the amount of thecheats) in the event the checkIll isfare) returned unpaid.

All other terms and conditions for your account remain in lull force and effect.

!I Ckt ;F:t pa; •frereat CI, you:. po,cha;c:—I., r.•=,, re

4***_'-'‘ *L2 t.ar, y2*.* rd otitt-H;I: Oft neVe

CAr, r, a.:ort payint; totetest oo sum.s• A.;, A v,1, 4• balan.:e (LW

4)2012 Caperal One Criwai Ow n ferler414, repaired ...wee MOS. Allnsfs mom/.


EXHIBIT E

LA-31-1CAr


I. 1..

STATE OF VERMONTSUPERIOR COURT

jr,i; I f" 2b WAsseproN 2b

In re CAPITAL ONE BANK (USA), N.A. CIVIL DIVISIONDocket No. riSiir- l (.2.

ASSURANCE OF DISCONTINUANCE

WHEREAS Capital One Bank (USA), N.A. ("Capital One"), is a national bank with

i offices at 1680 Capital One Drive, McLean, Virginia 22102;

WHEREAS Capital One is a subsidiary ofCapital One Financial Corporation;

WHEREAS Capital One offers credit cards and credit card services to businesses in

Vermont;

WHEREAS Capital One markets its credit cards and credit card services to Vermont

businesses through direct-mail solicitations, among other methods;

WHEREAS among the solicitations sent to Vermont businesses have been solicitations

that allow the business to use an "access check" to borrow up to a certain amount ofmoney—

for example, $5,000—at "0% APR [annual percentage rate] for 12 months" (hereinafter

"Vermont Access Check Offers");

WHEREAS businesses that choose to accept a Vermont Access Check Offer can, up

to the stated dollar amount of the offer and at 0% APR for 12 months, use the check to pay

offbalances from other credit card accounts or buy merchandise, among other things;

WHEREAS under the terms and conditions of the Vermont Access Cheek Offers,Office of theATTORNEY businesses that used an access check had a continuing balance on their credit card accountGENERAL

109 State Street until the check amount was paid back, even ifother new purchases were paid in full by theMontpelle4 VT

03609monthly due date, as a result of which interest or finance charges accrued on new purchases

on the account;

1


WHEREAS businesses that would have carried a purchase balance regardless of the

access check did not pay more in interest on purchases than they would have had they not

accepted the Vermont Access Check Offer, but businesses that would have paid off all of

their new purchases each month did pay interest on those purchases;

WHEREAS the Attorney General alleges that Capital One's access check solicitations

did not disclose the potential for interest charges on new purchases, in violation of the

prohibition on unfair and deceptive trade practices in the Vermont Consumer Protection Act, 9

2453(a);

WHEREAS Capital One has been using the form of disclosure that appears in the

two sentences following "NOTE Please read" in Exhibit 1 hereto in some of its access

check solicitations, and the Attorney General agrees that this disclosure is accurate, clear,

and conspicuous;

WHEREAS Capital One has not admitted any violation of the Vermont Consumer

Protection Act;

AND WHEREAS the Attorney General is willing to aceept this Assurance of

Discontinuance pursuant to 9 V.S.A. 2459;

THEREFORE, the parties agree as follows:

1. Disclosure.

a. Capital One shall use the form of disclosure in Exhibit 1 on Vermont Access

Check Offers from November 16, 2012 until November 15, 2013. During that period, forOffice of theATTORNEY Vermont Access Check Offers sent in other solicitation formats different from Exhibit 1,GENERAL

109 State Street Capital One shall use the wording contained in the form of disclosure set forth in Exhibit 1Montpelier, VT05609 1

I 2

1


and place the disclosure on the front of the solicitation, but may make de minimis variations

in other aspects ofthe disclosure.

c. For all Vermont Access Check Offers sent from November 16, 2013 through

November 15, 2016, Capital One shall clearly and conspicuously disclose on the front of the

solicitation how accepting a Vermont Access Check Offer will affect the interest paid on

future purchases made with the credit card, if accepting a Vermont Access Check Offer will

affect the interest paid on future purchases. For the purpose of this paragraph, a disclosure is

clear and conspicuous if it is presented on the front page of a solicitation in such a size,

color, contrast, and location, compared to the other information with which it is presented,

that it is readily noticeable, readable, and understandable to a reasonable person. A

disclosure is not clear and conspicuous if it is contradicted by or inconsistent with other

information on the solicitation.

d. Through November 15, 2013, the Vermont Attorney General's Office may by

written request directed to Jonathan Campbell at the address below obtain copies sufficient

to show the form ofany Vermont Access Check Offer solicitations used from November 16,

2012 through the date ofthe written request.

2. Consumer relief

a. For each Vermont business that paid interest between August 1, 2006 and

September 30, 2011, on new purchases while a 0% access check balance was pending that it

would not have paid absent that balance, Capital One shall, within thirty (30) business daysOffice of theATTORNEY of signing this Assurance of Discontinuance, credit the business' Capital One account, ifGENERAL

109 State Street

Montpelier, any, or send a check to the business' last known address, by first-class mail, postage prepaid.VT0560'3 11 The amount of the credit or check shall be the amount of all such interest charges that have

3

1:


not been previously refunded. In either event, Capital One shall send to the business, byfirst-class mail, postage prepaid, a letter in substantially the form attached as Exhibit 2

hereto, which shall accompany the check if a check is sent. Capital One shall use due

diligence to ensure that accurate payment amounts are provided to each business to which a

payment is due under this Assurance of Discontinuance.

b. No later than forty-five (45) business days after signing this Assurance of

Discontinuance, Capital One shall provide to the Vermont Attorney General's Office the

names and addresses of the businesses to which letters and payments were sent or credits

provided under this Assurance of Discontinuance, along with the date and amount of each

payment

c. No later than one hundred fifty (150) days after signing this Assurance of

Discontinuance, Capital One shall mail to the Vermont Attorney General's Office, 109 State

Street, Montpelier, VT 05609, a single check, payable to "Vermont State Treasurer, in the

total dollar amount of all checks that were returned as undeliverable or that went uncashed,to be treated as unclaimed funds, along with a list, in Excel format on a compact disk, of the

businesses whose checks were returned or were not cashed, and for each such business, the

last known address and dollar amount due.

3. Payment to the State Within thirty (30) business days ofsigning this Assurance

of Discontinuance, Capital One shall pay to the State of Vermont, in care of the Vermont

Attorney General's Office, the sum of one hundred fifty thousand dollars ($150,000.00) as

reimbursement for reasonable investigative costs.Office of theATTORNEYGENERAL 4. Binding effect. This Assurance of Discontinuance shall be binding on Capital109 State Street

Montpelier, VT One, its successors and assigns.05609

4


5. Release. The State ofVermont hereby releases and discharges any and all claims

that it may have against Capital One or its affiliates based on conduct described above that

arose prior to the date of this Assurance ofDiscontinuance. The State of Vermont does not

waive any legal rights it may have to enforce the laws ofVermont as to matters not covered

by this Assurance of Discontinuance, including time periods not covered by this Assurance

ofDiscontinuance, or to enforce the terms ofthis Assurance ofDiscontinuance.

6. Admissibility. Nothing in this Assurance of Discontinuance may be used or

admitted as evidence or as an admission in any other adverse proceeding or action relating to

I Capital One, nor shall anything in this document be considered first-party evidence, except

Iby Capital One to enforce the Release.

Date: I 0A4/1-STATE OF VERMONT

WILLIAM H. SORRELLATTORNEY GENERAL

by:Elliot BurgAssistant Attorney General

Date: to 31

CAPITAL ONE

Office of theATTORNEYGENERAL

109 State StreetMontpeliet, VT

05609

5


APPROVED AS TO FORM:

Assistant Attorney GeneralElliot Burg Jona/. s Campbell

Sem .r Associate General CounselOffice ofAttorney General Capital One Services, LLC109 State Street 15000 Capital One DriveMontpelier, VT 05609 Richmond, VA 23238For the State ofVermont For Capital One Bank (USA), N.A.

Office of theATTORNEYGENERAL

209 State StreetMontpellec VT

05609

6


SPARK For your existing account ending in: 1234 EXHIBIT 1

BUSINESS ft...copir,

This offer good until: 10/31/12

Lee M. Cardholder123 Main StreetAtlanta, GA 30306-0123 0% APR for

cliquoshommtictiutioquim.dididigiiv 12 months

Your total credit limit as of 9/19/12: $10,000

Dear Lee M. Caraholder,The only thing worse than paying too mu-ch in interest is kiting this offer expire.

You have until 10/31/12 to start saving with a

0% Annual Percentage Rate (APR) for 12 months.

After that, your rate will simply go to your purchase rate, which is currendy 17.99%. Keep in mind, foreach transaction, there's a fee of3%.

CM} Transfer balances-0% for 12 monthsOther credit cards can charge you as much as 14.9%. Stop overpaying—transferhigher-rate &games to your existing Capital One° account and savd

em Write a check to yourself-70% for 12 monthsTheri are times when cash is the only answer. With this offer, write a check to yourself,deposit it at your bank, and get cash without those high cash advance rates.

Make a purchase-0% for 12 monthsUse one of the attached checks to make that special purchase you've been putting ofr—even at placer that don't accept credit cards-

NOTE 0. Please read:If you accept this offer, you will pay interest on ali purchasesmade with your credit card until your entire balance is paid off.See Special Notice on the back ofthis offer.

This offer is good until-10/31112, so start saving today!

Enjoy 3 convenient ways to save with this offer..

ig&USE THE ENCLOSED CHECKS GIVE US A CAU. GO ONUNE

by 10/31/2012 1-800•833-6393 cackdarasentffen141133346

7


Exhibit 2 (Letter to Businessesi

Dear [Name ofBusiness]:

Our records show that you took advantage of a "0% for 12 months" access checkoffer, and that while the access check segment of your balance was pending, you paidinterest on new purchases made on your credit card that you would not have paid absent theamount owed on the access check segment of your credit card account. Under a settlementwith the Vermont Attorney General's Office, we are enclosing a check to reimburse you forthat interest.

If you have any questions about the settlement, you may contact the AttorneyGeneral's Office at (802) 828-5507.

Sincerely,

Capital One Bank (USA)

Office of theATIORNEYGENERAL

109 State Street

Montrellet VT05609 I

11! 8


EXHIBIT F


Transfer balances from any lender, including:

Credit Cards Personal Loans Installment Loans

Auto loans Gas Cards Retail Store Cards

Call us at 1-800-955-7070 or go to

capitalone.com/offers today!

Paget ot 3

2. .a Customer Service 14004554010 Sep. 29 Oct. 28, 2012 30 Clays in Biting Cycleca1www.capitalonacom

Platinum Mast -XXXX-XXXX-5542

S4,1109.04 $48.00 Nov 25, 2012.1%

DUE DATEPenalty APR or 29A0%

NEW BALANCE MINIMUM PAYMENT

yaGuTEnuiPAyYMENtIoWAR:IIRG:teoltovroOttponotsatooceyilot747:z"ployzcifebyyotooduoto dteate,

;RIME PAY 0LEAS1 THIS &WANT

Creait Lima: 120,000.60 Cash Advance Credit Limit: S10.000 00

Available Credit: S15.190.96 Available Credit Mr Cash Advances: S10.000.00

Previous Balance Payments and Credits Fees and Interest Cha ed Transactions New Balance

$2.02.04 52.082.04 1 + 587.18 $4,809 04 3(TRANSACTIONS i (REWARDS INFORMATION

PAYMENTS, CREDITS & ADJUSTMENTS FOR MARGARET MURR #5542 PREVIOUS AVAILABLE REWARDS BAIANCE 10.1191 25 OCI ELICTROMC PAYMEM 111.091.04 I REWARDS EARNED THIS PE FOOD 727

(reflects Itan‘rtnnS posted during thn bang tWe)TRANSACTIONS FOB MARGARET MIMI #55421 01 OCT 8UILD A IIIKESURP11ISE.42 SI5.9.1 AVAIIABLE BAlANCE AS OF 10/28/2012 10,846

2 33 OCT MO1. PATIENT ACCISE100-6030558MN 1109.683 04 OCT CDLOR BAR SAIONSURPRISEA2 125.1104 10 OCT HAMPTON INN CAMARILLOCAMARILLOCA 1128.19

ARRIVE 1000/12 DEPART: 10110112 TO110#: For up-to-date rewards tracking, visit60002146 www.capitalonemom (6I0Hassle rewards-PH#: 805-389-9893 or simply call 1-800-228-3001

5 11 OCT BATTERIES PIZ #465aN tuts 08so$ 1..916 I I OCT ACCESS OfEC4 50066 8282665296 a 358.80 s.

7 14 OCT IN.N.Out BURGER 0110000MASCADEROCA 1/.16 INTEREST CHARGE CALCULATION8 19 Ca 1311ILD A EIKESURPR1SEAZ 563.41

Ilp. TctalTrwitalloreThisPolod $4,721.88 Your Annual Percentage Rate (APR) isthe annum interest rale on your account

Annual Percentage Balance Subject toType et Balance Interest ChargeRate (APR) Interest Rate

Purchases I 13.90% P I 50.60 I SO 00Cash Advances I 1430% P $0.00 I 10.00SpevalTrans I 0.00% I 52.662.01 S0.00

Transactions continue on page 2P.LD,E Variable Rare. See reverse of page I cot details

PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE.

1 5178058415145642 28 4809042082040048008

CaPiteAccount Number: 5178-0584-1514-5542

Due Date New Balance Minimum Payment Amount Enclosed BE SAFE!(Nov25, 2012 $4,809.04 $48.00 =13 Your trash could be an identity thief's

PLEASE PAY AT LEAST gold. Manage your account onlineTHIS AMOUNT and end the paper trail.

Sign up a: www.capitalone.com noon


managing your account online is easy:

Check your balance and view recent activityView and print copies of past statements


Sign up at: www.capitalone.com CaPit

r-- _____Th

p-----%ivaioPeg a lel 3

Ca Customer Service 1-860-955-7070 Sep. 29 Ott 28, 2012 30 Days in Billing Cyclewww.capItalone.com

Credo Limit- S2C, C,C0.00Platinum MasterCard XXXX-XXXX•XXXX-SS42

Avalable Crenit: S1'1, 140.96NEW BALANCE MINIMUM PAYMENT DUE DATE

Cash kMnce Greta/Auld. SIO, C00.00

$4,809.04 $48.00 Nov 25, 2012 Available Creco for Cash Advances.

Previous Balance Payments and Credits Fees and lnjarest.Cha ed Transactions New Balance

C$2,082.04 82,082.04 387.18 34.721 86 34,809 04 1


FEES1 1"; OCT SP-LCIAt PME ORR FEC $87 1

!mat Fees This Period $87.18

INTEREST CHARGEDTotal Interest Ma Period 10.00

TOTALS YEAR TO DATEiota! Fees This Yeay 1813

fowl Interest This Yea, $000


EXHIBIT G

in e: ytffirs rimy l www.capitalone.comiautoloans/offer5a5b


50.5

ot AUTO LOAN TEST DRIVEtri e-°

You test drive a car before you buy it.

Now TEST DRIVE a LOANbefore you SIGN IT/

CaPifrAuto Mance

CaPliaeNet el 1

Customer Sento 1401415010writeapitakno.00m

Wm 29 Om* 3012 30 Clays inBang 0001BOMAN MIAMITUN= Primatewittaainkuan swotnthpat* iosallprirostiNangardtal ticsvas krautPriallyaratuares Pima*

PilthlUnt RIRSiSTES4 100014000000065542 hyena Mame Wu ParisiIT Nu rommiume ttmete Pm0 muted

NEW BALANCE MINIUM PAYMENT DUE DATE mailed Maws/AUs* smarmMere Tsui OM

1444168 $48.00 Jan 25, 2013 MinasPspara T1 Tors PLOOITiel Man WOI

Tourstemmaambit gym pay MIMis Mantel lure WOMA=FAT AtLIMmonitor

CredlUott 120.000.00 CIAAdam peg unitslupop 11 su*gal ilaktananion stoat maioxradnymasteill 1.611.32OTOSO

/Neal*Etat SIS,6311.44 /watt*et torontiPocreezsio.cotoo,,IttaymtallarrumggpsvZsZtrZtrri"TrWrirbd.,PostOPRat2940%.

Previous Balance Payments and Credits Fees and Interest 4. Transactions New Balance

U.S73.61 11,214.78 4 tan + San) a a4.381.66

(TRANSACTIONS (REWARDS INFORMATIONPAWEINS, MOOS a PONS10011S FORNAMUR 10/11 65312 NOMAMUNE REIMS (WAKE 690

I 0101C EGETWMC PAYMENT 111,214 78 1 REWARDS EANIEDDOS PERIOD 0

Weds Macawsposted duriog On Stag odelAVAILIall BALANCE AS Of 12402012 690

FRSIMP Willa Ttoxl MO

INTEUST CRAB= Fortm4s-dsts enseds taming,vittMEREST CHARGENICHASES S2.16 mmouptIstommem C/AtoHassle remit&

Tool Mem Me PUCCI $2.16 i er sdopty esti 1400421401

TOTALS TEM TO DATEToe rem TM We $97.18

Tad Mom nus Teo Or02 INTEREST CHARGE CALCULATIONYou/Maul Parcestage Rate(A1114 is to annmilinterest ate on your mama

Tre el blameAnnual Percentage tame Subject% wend charsRata (APR/ Interest Bate

1.Radiuses 1 7131%..90Pp 1 $211.36 I $920,407690.00Speciations 0.00% $4,322.14 i $0.00MAT *tab% Mu. ke wont0page 1 br duels

PLEASE RETURN PORTION BROW WM PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONUNE.I

1 5178058415145642 28 4361581214780048001

CaisitErAccount Number: 5178458445144542

Due DM New blame Minimum Payment AimedWarta ORGANIZATIONJan 25. 2013 $4.381.58 548.00 MADE EASY.

PLEASE PAY ATLEAST FOrget the filing.THIS AMOUNT Manage 01112 account online

and simplify your rte.

Sign up at www.capttalone.com aNni

MARGARET MINOR$4444 N MAJESTIC VISTA CTSURPRISE. A2 15167-7Slia Capital One dank 4USAi, N.A.

P.O. 00s 60544414111.1"41"1"11101110411111116111".414611.1.11 City of Industry. CA 11796 -0314

Please make dodo payable to Caudal Ore Bank (USA) NA and mailNth this coupon in Pmendosed swelopo.


CaAuto Finance

ra, I ageLegweiteteaceuslo cms 01p. sas tow lam Reasse o M ps sa P. I dna Imillacjimpl?eases dee own el 3 en en 41001* Mem es s1 vow 0 Imam Came logos 11 weas1 Po menses enema adde banede se wee c. mewlelPetee ewe S IP

mein col 13 derOne cos ten owed PR ProPoT I POPO Rade Wed mi iwounefwoo). Otto Woo) acmoo Low, 1)4'••4,•Occm4.14aggroda se pe ce• au MI et& paged nen doge ell le newt Oun sd cer• con on ush sewn Memos en mans ewetonsdesemowens 21sea penes nenaTes

ectedestsvs gemmes noddles Montes wenMon Rea poses MI Ponei mese en etatom flestadas St eat beesidsele chews Wadseem

b 41. tetedijIlmit appleal Isom &ode woo les es 11 deo el assusess 11 du tee sworn try use semunesse. aTo lessee keep ranmen addede es menden

bowee smoan se 11 ter some de 010110.4 pet 11154' eases eon m mg mon owes Os me Peftsd aeck 1±231111011.$13g111 Rem. Tepessed 4., M Ta

*010414410 tho soros. ensi on nom Moms or Ins de de see sew deur vs we* wan We.na mune IMot oMee Menem to seesPPM alOoso &WO COM to

ant OS ant 1*O01 OW larann rook Uweems noes m 03 Osseo. enew ow hese Wawa,: lama*oes* me AN ossuctum I. mks Luton eon maw lee nu dem soon WoesSame se newtsginse seesicerselemsMod tea le sees nommen peones morose.scoftessoe1

is• nen atuddlemstampiies A anew WRIPIST MIKAel RASO ed toaeon SaT see Van 11116 le Woad, 4 ms sadef Cremes pawed OSsesosessee 0110. deems

balloted promoon nriga co worts now. l rorroornmaed.tliroarocora Idna cc Owat Oafssad oiRaabwenAl wwkwa$ow ns Motes es meet leedet CR ow s need teal Amp Des Wes debee we 4010104.0101.1 P.' ft, Tftft.ft/(.4 PRP .110. RR. ftcP 1.1Wel G. 040*41ar 4.4

Danaanaia "WI 04want an Of aloha IOW 054acc NM west MAWS* tamest' Woe ova teettlit Owetome Cozad* 'Ole X= Sad titsOfs 111 611 MOM

sen ess mem= an Os sweet went ewe ds es mem de stsesse. Om 3 tem y etwesuoinsuwaser graurevaawss ORO°sawsOdeledePARS..11 denim 04 mroande,g1.1* eed *Rsdel Wefts Te see Weft Noses OM II Os i%Os Wit Ts• RIM A Meta Os Tam fiesean ms dee Res Ism warm low

ow)ww mann nonVOSaaft *MO go Woo awlMO6 ent ienftk Sefassomes see cao dermame na

tow pone o send;nese ernsse so seal tete desbanns Ste assesessteo Oene

sremeiars se saele Se MO Went Coed MsP 0 dos =SS

nst ed Ise keenVA Isere Woe no demestseree krMS WOW( ed tIa.8*..Oi isiutem.,,,,,,nsteaser deset.PTO90110.Re* efts1.11 Oc.4q 0, se dneset Ise OwnOwnnWax 101*01IsePeer Oft/ Oft. n raptan OW atat banana abloom

erodes pens toeft MONO ISIN•thil topea,ad A wskfg demon O)ds waned Unmet Aggiacdc=p;0.• odwen seemOm menNNE Dneewes semen yeastMode MsTedimm Pecan frees Saes tram Ipmcmdigv Tee&seen modelmo

seals meed. 11•00001j1;002.0 nu dor Oleum VWOP we et ewesMut stu Wes uses; ssl Mepa

1014.11.V MAPPow" DKWOdog) Nes Olt mil Oven Moe Mel mars Wed Pod TWA.

side kdowsposed wins Moen is Re WO IMMO Jam*Pe lel see west used Mee mese Sens mesa atomsdd etsito mosted owePeen

tat Ws one mOstendSamoa= csa mined lesseslOstansMier sse ne wen .4OM ammo won 4 TAM VOY warcal metv n tectionceh. Ott tat 10 es seside lessisposed otos Moen is Re WO IMMO Jam*Pe lel see west used Mee mese Sens mesa atomsdd maim seeel sested owePeen

tat Ws one me mOstendSamoa= csa 4mined lesseslOstansMier Yds en eel a TS vs pre* Ism mdagt %own noFoto 4Ontoonat% Ott a wo Wno fao

Owlenalle yin Masa se OWN,meAMP Mudoe111011 la *end13 ants* am damn mean we ess dote NIes MA. P. eRft. Pft sa .of r.

Mia orks suilioberriorlpilmbrol*pod vill amp Ac0000 wee10 den se owNev.:1m. km,

Pros Cm ceps Te let esd MeWI mseiscut OhIN0,11•Diel OOP. owMre Anew an 11s.*efsftewe new

t 1 Son UM once sada SM,Ided sidsod Oe CO Comm*netWImews meanornottes edger...in su the aced

hemop asone enemaa psesseest. of re we momtime? sosawnoft est mootO Soso Res ekes MIWel d PRP At SetOmen ens. NM 1 inde. Wsea 1. desera) )IOMo. CoOc4 o an mow 0 coof 1 woe Wel arm _e41410 Okiwet Wendt:1Mo mom.

lansion whal Ow %IOW sedsnoesi caste Nom ssees to bet 0fteOftel seedmews rensmem&en.Ose lazdasok031.1009 MeesePeso agown mes MI eftsdamn$ts en ref dem CO det ea wee el les Sao *eWITa4'1oa:MI Oa* tow.:oamo vowe =Ion na

wog mond onatinnane to ontanna Wow. IVAIMOM•11011,11141/1A1Meattaq .t.b0.11 WO)* stow inwo etaitaannanoaanwans we WinoMe bit noon

sele men bs 0.1 snow to wore *a go Mr no 160101. 10 Mon owl a manna nortnno 141.PIll

WWI Cannata WAR ppm mma oat se set too see^ sel ye solo' ves need IIMM InAss 0110•611•11 WO Ito Os& Podessw wowsSemen snits weds cs

womenInseas eat Issi no sensed esS ens wt. WIpo%woo oped eth nodalthe poem wo

Os ewers we en see Os Nu se cc dv meted crass da mos pone To sedeo" seNewam 10eandlomi0 44astawCame Ursasesteme menest matepm wase./s Wesel wail Mewest meeel cedeop WeansottomanPam nOate9 twitc•pa 4104444 0.0)44

.1 „4.9. c. iron rot Parlour)we tee es1 kres seem Newt ewe ess cos PesosSim MU or we

nem towOsedsmansetaroat cod =owltonewes onlifts Rd maW01. aloaadfasecteSse

WONT OOPP.101 fty APPRIUMBRalolD rc* tortortoplof vo. WWI on Fos sec newasdtcoose of mum w•mss 4144. Want sown*. te 00.0061 a 1 """"V`i""*""a4.1"'""""*.'" zezsa

44pm WWI 4 Onal aninadol so Int 01 Cap en. WO NA cot an mon, 3 awe =see cmia.menet A dome 40 diet me ;ft you den en 0pac ill moats cm see son Ow mos Momf •won%netts=so ass Med csmewed US titsOtt. UT 0)1100331Noe et IbledlzmalMet en pro ow Wars anamaa pap" Ionia opal Wen. o seem

okras's. tevesessy Os wee swell scyseftst we Send" es um sde nes st TO own roam Is Mixon nes ado es be da

oo.e..40.4.....rao...w. kqpima onwoos al.filnittn. 1114, 411pv• decnas hem met Ise neseoTte is seedma re 40.POilSO MI,

A IviskaVateltewas hstia tong 140011400 femmeOno, Pftes rafted Pens wpm se Mstesse.

;Wm ge•Not08041 na wasoogni^lao 1,00)5.1 00.0* ACW."W"M$00.4"**1 WOOD.woe Assam pee Isecet soso witse weestertessetottedSte covenmeet Neets•obovallisuotal gy biatwawa I101010411100034' 412))) cam'Ora C419*4*4oOsI.rJ0$054.1104001poses lasleant0 Cned Wen*steer 140)4040/01nmannneRonda fte•elareftfts

MannaWW1 Onati ti wag to no maul sdiessewed m PeOenCome ee Mem%Pc-01

1141C0

Pal Oft. aldOinaularioclail nand mann ate num seensen esf 4.001.101 like pos Ace 010*414141014.01 ammo led im• 41*1 son Me In seem 0 so

Wee anon ?WWI NOVI an Lsa anaTMI C404)On Pin)COS WOO ninon, 010410114 onsdned weesetto to es mass*d *Ora

Changing Address? Not quite ready to make payments online?No problem. Follow these simple steps to make sure

ewe process your payments smoothly:

Home Phone_....._.._____......___ Don't staple or paper clip your check to the payment slip.Be sure to use the payment envelope that came with your

Atternate Phone_.—E-mail ing.

Address-------..—.... Please don't include any additional correspondence.last but not least, be sure to write your 16-cligit account

nesse ents address or peone rowdier changes above losing kiln ot black .nk number on your check.


EXHIBIT H

ii


CaPite"SCOW

what% Al your mast?

MARGARET MURR It could happen to anyone. Make sure you pay the amountdue on your statements as soon as possible. Maintaininggoad aedit is important

Avoid missing future payments by setting up free, customizable account alerts. Enroll inonrote banking Of log in to pm account at capitalone.com and you cam

set up your payment due date alertReceive payment posted notificationsAccess your account balance and recent transactions 2417

2012 Capful One. CapitaWas h a*WOregissemi tend(r work. AllVitt reeerre4

CaPillePage I cd

Cirsteor Sento1436853.7111viwmeapilalone.com

2 1 Mc 29 lin. MIL 2013 31 Oafs in BAseOida)101411KM Meeks emote IlyteAube* lostliron promosachpulot yooWpm mos libumard tat clapubigerbpsycliveareatiresioraairgirMath= MasterCard NCOC3C0053000USSOownotaworo tot PAWd Mr Apyriastto TimtsFoy CO EmiaaNd

NEW BAtANCE MINIMUM PAYMENT DUE DATE Addlesse*sets Meads Retsina* Wm load Cad

$4,3$4.44 $112.24 Feb 25, 2013 lAintouPaymial I 31 Yore SIN33

4*. AM 3 Y.= I Kim

AIME PAY AT tIAST 143 0.1MA1 Taw sohAstedravings il yrs sayel thisher= a l lung MIAMI

Ct061 tea MOM comma(5pminitylO.00e60 IlyausodnialtinnotoabadosAtcalwaitt minim al1416428405S.

Ands% Credit 5101536 meibbckedi tar Cub Ad,m,cot s10.0,100 MK FAT.=NAN= Owedo AN Nobsyawmilatesparmi Wpm 04.ASArib1071sWie PI flya Milks Glob 1.1100andyour APFts waybe Inctutadcup b fiePIANNAPROmar.

Nevis= Balance cad Credits Fees and !ManseCharged Transactions New Balance

54.30165 SIM 525.54 50 00 a $FATA

covet eel b) we 14n5rT Rem elscet t.M P4e9tre 01 la:um pA)mtrt C't V.54,se trite Yee,: vour Eteurit vont So mait Ou WI t!le rnorniap Ingrem

nActittrA Matte Texaco:en nos past etc Vain dm wan no protons!Help is Available. Imiotolzwicmona..enk

&NMtO iNA Alan actont Rs ike spit Eat text 12 biting ass:Osamu Just pick up the phone.....4Pactiusge Rises %Plena/ house.

(TRANSACTIONS Call 1-800-9554600 and a specialty trained agentWMMW(SWTTSB MMUSTMENTS TOR MARGARET MUM 15542 be happy to help you check your balance and make payments.of MN HICKOKPAMIENT ($2.76)

RES INTEREST CHARGE CALCINATION1 25 tan PAST DUE FEE $25.00Tau/ Ties This Period 125.00 yawMoot Penismage lateMITIO Is rhoannual Merestme an your amount

Annual Permulaga WanesMeted toINTEREST CRASSED Ilpe aMaimsRate (APO knout Me Interest Charge

anTREST ONSGE:PUTCRASES $064

Spereffrans 100% $43113.66 SOSOCash Adman 1 P MAO

13,90% P 1 S0.00$S4.09 1 $0.64

M.S01STaal Meet The Period $ON Purchases

Transactions continua on page2, PAW Vaiabk Ant kemese doge 1 b data

RIME RETURN PORMON BELOW WITH PAYMENT OR LOG ON TO WMATLCAPITALONE.COM TO MAKE YOUR PAYMENT ONUNE.

1 5178058415145542 28 4384440002760112240

CalefeAccount Number: 517845844514.5542

Do Date Nee Winn Mininkun Parent Sawed Radioed Take advantage. Take control.Feb25.2013 S4.384.44 6112.24 )(--1 Manage youraccount onrme

at www.capitalone.comPLEASE PAY AT LEAST

THIS AMOUNT Make paymentshca•Reviewaccount informationManage your account in )rivacy OWN

MARGARET KUREMT% N MAJESTIC VISTA CTSURPRISE. AS ASSA7-7386 Capital One Bank (USA). N.A.

P.O. Box 1.0SiiCity of Industry. CA •1216-0559

rill'11110111114111, 11441114/41.411111111Plid'ilillill

Please make chador payable to Capital One Bank (USA), NA and mai bith this coupon in the enclosed envelope.

WHOOPS!You're behindby 1 payment.


Oat21

4. .4,4444.9 a94,44

amta Re Oato 0

.44.4 wow a pomp SIPINJOMNIL RIWel te411 Oft11 aq lawe lweart *seaft• mumto. violaFA twa Rm., pcat,wopear.owls.la* ix a 14*cata an asefoad I44 scow raia prohlata. Ilien thp104WM loliew Pip PARKA ei PI Iv paamsal mil 01.2121 Piii "141.60"OilA *00043.4 ICalmat blew 110.11••• abaftpaAP1011 Vibe per WO

rPa woof,404/12..00.10 PIM OS Mtt441 4.44.44 a alatta, 4/4 val 44*oaf

Pia aunielperitosfy Maned ai pat pa dime zsostaa meta 10 flissalam Pewitff IPA Put

Pamir, P. 4.6,61d,,,,,, it•amainaltatat to 4adam tat *aamt. trOncrog arm.1 3 wattUM. es,. ems ras. lotweal ca. Mamaay ta manOw mama *tow& %tetra dattaattlan dui mum

0 Paw Paw Pero leiPA AAf do, The Ow" a woe frwl we.op icy snow. ol P. PH =Apr lady"suit:toga amWI me"kt 4 me Peitim• Ppm se&a itluftp gp IAA f., *1 boo if tim Ps appleiptify t.apv wpmpi govI 1 soma 001. attia mak* tangmad ha Itsa4Oa tataaral_

Aro IIIloeldellogUngaoseked MO myacme? vas. -to oda posoutett Kr oa ftemend a OPP of da pp kw.to pp, up snowin mat* oatea Pal tea I meg ea* Oa wawa al astoa Vataatt Papal tes. a:a eft Apt* aisetiof Oratigiffei if pAPAPS WU* Po own Poorvie ref waililinicit lop re gamin. Istli•ifiwisorol pip,Wooaqua* taaatpc* eauadWave awnCamp alum4 WasWM MCPadp fry %WAMot roomyaw mat *a.limaslAtiffd MoerirediA PalasMIAMI AMPaWW1 pi Po Oat pito=MRPa My&VW *Om 90 ilsnal e•P *ANA Ito, Vs*, so oo mod pi •ref. am UP601•141, ttawe faliperf PtWI .4 IrAoll Po.tosh0 fu ff ciamPiP04~ SWW1,4 .0'•MP41d.ra Alf0.,..1 ggi a0.. MAI VW G1 MN,co plow sapPoelal Pe wpm.bongch. bil4 canOva Moat tt* amain tif twat AA Ale dam piar K. Pi And pips) A PION AsabAtfq PP

uoo, orso „so. o,icoot oo o, coo r, oroo. o, yo Pa 154 .0., ...0,4 Volt SOY Illbe Am Illisuldbil lifthoe Os&QM ftdasa. 0 rump Pere.AA it•riii,.mamas, semi OW 0.14.0MAIM *PM pa avAt cot siti pai Mot* At coxi tub'Acme ea pefikp To"

trif APAR,. pi Aiti PPP OA AV ea ta nifena immito• psort Ps ot Pit poslusp fa elf ibt We S.flompaInuaAllikomil vap cmamp WaferSlivii oppii•osisprntom tpi c moonom Ai Warn ryato ea.Pew" in 'I ftpial ow ottsiiimifel to mem (bspe. ettitcpWoop•otaa Airmic. ptives-et.Rau Kw/aA woo pp pm instal octopi ma iaa Pop^ 0*pos attplia cka itPew POW. 11 lop Pa IstrOMS pa MO ara liaPA pitanit ifortaffa R140 WA MkdoomIMP at Alt/ at 140 a

sanattom diaall Mita putztaill artmug bma oiltr.a400 P.eama fa 4.4%4ped fp ii,part*PAW SWAP IPi abilDIANAID %ion 0a.or Amami FAA man of os **Maim mai

a Aty ma tot PI Vito, aca I pa as ma at 41*0- Ata444 *Waal tan b citiwpti or PApPAP A if sl ifetit errAr• afavcrome44 %%ay alPpleshieffePe cotiuse. exact la exlmaspa atom a <bud Ai itipiniNd pa no A top tong Ica awn esiS oil Am" 0) us" fli Apo= Dow oowpm% 3141a0 AA Pot0 oda pH anio Own ad 41 pip a1APPOIS pe Cvot 4 NW 4 terpre chrosi pOW MII WWIsas Oast a upetisi SolisCAp Pi$11100113Onde IStatellat kal Pm rata* mita smarm pawn. Oa tat/wata4 WM. ant mastaka*. PV.PlIal$00Makisilvir0 gilt: Pfate P. offspat 00 DM Mel FA 13 re espfel wan it 4 mous II.a. AA ilm Pete air

0 Cowlif pinowpwispiatetteotand bp" no pi/=Is% ftwOVITM A* uil4111 youwe Casco. itOtt Cent 1 ow sot le ow o. Ammo'amu yeaGo rotpo so opal'dCAMYcos hepeathste" 4Ma) 1404511071) ind %loon thr rowwas. Owlle. mas I WO liftaldargew4.Onateatawatiamp at vote atpratasaa, ica astaaratm cacao* AD a tacrceop•AstPft loi GoalOn. wpmAlramito ewer pastrat am ao mama aVatlaattanitanWelted%A palatfecomp PPP Ps, ditmikliaini lospriar IAA Kozo of:anal iota ilto se r fin i Cfpui Ont_Ciotif Pm NS NSW/ *paged Wag sat 40 ernmootMoss ma *ranta Ceal etrarattaa boast 1.&0451.POI0t44 mawsrutaloaaa.a ograyaletaatO Pftseitit• Ad vealbe onPIN Panwont inaPpfco Pa mumpato. el04poem

NSW as I eadelintihugggainto GSA ova la, 050 yra atax *We la ful, taa att RIR11 MOSware 12211131.11=11Namara pre pad 01 ZS das lat, as non dun* 40 II wo 1 potkoet. beete row0ors. 01MW fa cabeciemotteptots. atof OM tamest dp am.4. Plan *Pipen Pada pmt ITPsalm el PAPA Attys. if vet. Pan Imin poi* aaa.,.4 larat% 44 a**11 Osps Wed of pat ia seatprat* et eft tantaa PA/ re •Malt4. Wog as paPRI ifoPaw, pancl Pit&Kg paa mita is PA lpftes1 wow*fp soma ranere paw wet ea sea atosat aftwpoit API psipOpt Pt% okapi!outgoiimlopp aotal pm phew *MOWman deopiptderseshot coo optiffsaisittesvittaitin stwoul beanotam "wooPA effassAg twenty Spa. Iwo ma Pimstag a Iota attasaisdeoOf offdairy,. MAWpoitivinNow 5541. ImploXigt 404547 iccrol Amps peop• km OP 0 dee d tarattrot. 30 *at a4 tetra.144 Mat Cett tZiatn at PMt1450tOm awetattalt414$140Matiwe tome taw0,51444 mama ot I) tea Wade eta CA A. DON petit Pavia flaps OW* MI 55541444 &woo Os pp Rom Paw Gado es. Pringle PITA %Op Parma WIhe ptatast a... d meWO Ii lid PO41Thm 00411la 54 0.4 Malt frocal AAP alPP 04 thit UPI New Ma& 440 4,4444. fairWho fa!malt Oa OaR adomace timob porufe.psitefoutpt itif Amitepai Pe444$ 45 43 a Ca 0,4 RAM 440. 0.basa Mall 4,09a 14, 0=8155Paw spat ol pa Most artmeal to PAWego iff• William=of MAdamp ksfel Paie PA go *atzoo* PfaWay" *wpm,Popp+iv nai Aeses firmaswop? tomtit AfaitAxesWent.plOPPIA5110,1Plielflo.Os pa Sinai a griningiutandyis. mortow WWI of PIM be email tO taA My I I 44 lettimige if pip at stenoto Oalaatet CAPC*1 41t$0,a.asis 444atspaprAPArg mod ppKong 401004m Periai APIA 58. poutor ampin dim,Amp rAMOM *W. Omto roe lost inRoma wine werniNow is pee Nadir flo PIPOtt eine rfir a* Pool PM Affrop ft* flaw (fidatrq fa• baaPA007 gamy PP* krAngq Coot lop 0054154154padi PA Pavia 44 two:pm cumPristealst We Paint% so 01(1440, loot clieyberm fa NO stmoni. tS.bspa.q bit.a. 4.P,PPP% &us t.tatCaNdOr• PHA. WO PA LAPCfP 111104140ad AM ft low emotion id Pr prole mist efeif co if• pm. are;barn. Got II seam* aoi 11114010 awnswum pmPkA0900•0 SotsiMaltas ACOPPM0wprElOS cola *a Oa sorsa Tsai PA Pep Pomp% Pm* firiy Wove Pr fat wpm loom Ipi Me Is Os VIPs VIM us HY A 10144 Cm Sialsoost pm Potape tlatwatsayasWarm mod siaPi-evatc• LS Pr Apo Wiwi no ofa 0E0 owe. oweamoral' +AO pat garaoupse omat

pa podia* of c•ciii paths, tore= Nom PM 64 Mims.APA tawasin Pr of fowla face peva sows Weito todat, !Asap CaptifOa/

P.O. lot sussrem tss seaman.tot Maw Ileums soseeaseepe 04 ssoi 445*1*530 oftYiPtsal* so so.com amo.285cht mato d asys *Oateam pat41$0.Pdb*4totI4.a..$0a.C.a.Vara 11.44** pabasis Dal faro 01pa40paa.S.Sctoia..sta..tvtattalo protti mai%4attedOf *Waftwpmvs! Amad, Oa milt 10 Pomo:Pe 44.4.0. 100=0=010: mat swacopAtaiste0001 IWat NOM 0s5 atagabra WO mane tome tRataa *milkermu rot4a.au awnatm luilumisi ha obi amp, cfPeosit•Plifeft*41513s$ 0141:2211/10emll thnt %ft 4P pco o. 'cat PiOnift• foa Nam rifwit leiNa..4.y104s &NU taffm•P• 1013 Chillett 004 aft warma Opowat bad a an 0105,15444144

trcesenti

Changing Address? Not quite ready to make payments online?Address—_--.-----_____ No problem. Follow these simple steps to make sure

0we process your payments smoothly:

Home Phone____............ Don't staple or paper clip your check to the payment slip.Alternate Phone.----.............—• Be sure to use the payment envelope that came with your

0E-mail statement. Using a different envelope could delay processing.Please don't include any additional correspondence.Last but not least, be sure to write your 16-digit account

Ptease wins address cephone eurdset changes above using blue or tdack talcnumber on your check.


Take Control with Online Statements

Managing your account online is easy:

Check your balance and view recent activityView and print copies of past statements

Pay your bRI online

Sign up at www.capitalone.com C2lagr

Peas2o12 ICustomer broke) 1410043.211TO D.C. 29. las. 24 2013 31 Dap In MingClap)CaPif WWW.CapIlII16110.00en

Platinum MasterCaid AXMOCOMOM-6542

NEW BALANCE MINIMUM PAYMENT DUE DATE

11384.44 $112.24 Feb 23.2013 Assibbb CreditsCash Adman

Cash AdvanceCrada Um*

Avaltsbb Cade SIS.615.56

$10.000.0)110000.00

Creek Ur& $20.000.00

Presione Bak= ts and Credits Fees and Merest Charged Transactions New Balance$4001.00 soca $4.334.44


TOTALS WARM CATEReal Fees TM Yen 12300

Tctii trcerest Yes Yen 1064

'104 weFe assessed a pun* lee anewps masa smell was en mend hethe de ate. To maess Fee is di1Pn. we receennerd the you albaat kw 7toms days fee pur mann ;spas so run+ Cape Otte.


EXHIBIT I


a00009

LET'S TALK WE'RE HERE TO HELP.wh'rziniQurwalk" Sometimes unexpected expenses keep you from making your credit card

MARGARET MURR payments. We understand. At Capital One? we're here to help you keepyour credit on track. Give us a call.

Here are 3 easy ways to make a payment:Give one of our associates a call at 1.800.955.6600.

Mail us the amount due on your statement.

If you have Internet access, you can make a paymentsecurely online by logging on to www.capitalone.com.

0 2009 Copied Owe. Capital Chr is fedendfr registeredrendre mark All right, mewed

Pap 4 1 of 2

CIIPII..—;ar Customer Benin 14044S-7020www.capitatono.com

kn. 29 -Feb.20, 2013 31 Days In MgCycla)MIMIP*1112112 WARAMIG: Ilyovetaeacal/ theairiness papaw=Apedal. paWA tug oweMenaiadtwiltakeoatiarcarttpay amalgam For mope

Man MatterCatd 0X030044000C-550MawAmount MA Period If Ite Agacaenato UweOtoPatOff Muted

NEW BALANCE MINIMUM PAYMENT DUE DATE matbsatOlaroosdm Ms* Wawa Salmi ToniCart

$4420.40 $192.24 Mar 25, 2013 seisomPawst I 21 Yew I 21740

4.. Ilyalootild iks latratononseal crodesowtsoftseniors. cal 1/415611.3204012

PLOW 2go 41 +In* NS +Mum? tatMOEcame e toeo nonaiwywroatowo martte wombsdotCreditLimit $20.000D0 csd,"vice Qatunit "%mom mow/two to pap s embodiesalas:Mow po/IPIOrowOs knave ten to

Peattolnia121140%.kralabbOmit sts.sriso MIMI,Ckedtt lorCash P642=010.000.00

Pretloos Balance Payments and Credits Fees and Merest Charged Transactions New Balance

1 34,30SM 60.00 OM 3 1000 2 1 S4,420A0J

p o•

41.4 tehInd CY SWO PAYM.entla, 1.11 i Lid% 4 'cure tvitutg iu,anchv OP.attas and an I

tnaka yast ammo, owlet veP '.ol to IRV. Let, 4col, :owner to fird a solurton

(TRANSACTIONS Help is Available. WPAYMENTS. CREDITS a ADIUSTMENn FOR MARGARET MUM OSSIII Just pick up the phone.Call 1-800-955-6600 and a specially trained agent IA

inst 2$ FEB PAST DUE FEE $35.00 be happy to help you check your balance and make payments.

Total Res This POW $3500

MUST CHARGEDINTEREST OURGEPURCHASES $0.96

Total Imam This Pried 93.96 INTEREST CHARGE CALCULATIONTOTALS TEAR TO DATE TourMetal remodels, Rate MOD toannual hems, titianyour loccunL

total fees This year $60.00 Annual Percentage Balance Subject toTout Interest This War $1.60 Toe el Miaow (Arm interest Rate Merest Charge

Purchases I 13.90%P 591.17 I $0.96CaM Advances 24.90%P $0.00SmcialTrans 0.00% $4.306.22 S0.001

Transactions continue on page 2 PID,F lima*Irate. sce mustel page 1 lordew*

PLEASE MUM PORTION BELOW WITH PAYMENT OR LOG ON TO WWWCAPRALONE.COM TO MAICEYOUR PAYMENT ONLINE.

1 5178058415145542 28 4420400002780192243

CARParAccount Number: 5178-05844 314-3342 e 1

Due Date taw Balance Minimum Payment Pasant Eadosed Take advantage. Take control.2013 84,429.40 S 192.24 )1----) Manage your account online 1

at www.capitalone.comPLEASE PAYAT LEAST

THIS AMOUNT Make payments ica 1

Rev ewaccount informationManage your account in privacy

1/4e00006

JMARGARET MOMIMAM N MAJESTIC VISTA CTSURPRISE. AZ A53117-7318 Capitol One Bank (USA), N.A.

P.O. Box holii411"/iliiIiiildill'illIllighlitil'IllIn111111•••'l•iiii City of Industry. CA 9171U-0519

1"1101111111114141111141111ddluillill11101.1•14/1111

Plane make dwdos payable to Capital One 86011 orSAL NA and mad WM Dia coupon in theenclosed envelope.

YOU'RE BEHIND BY

2PAYMENTS


011It

oden

.."....1, .c.... maw. ppma 1. usmar Qom Joan* TOMO WM "Mave0 .5, plf 000. 1114 OA 0041000 4044000the ina,111:9M03 C.KM mewtons e Inane*so betonof se=est Redoa icariedt. leo declDe UAW:yd. TN ...1.414 .1,4 0, wee eel:Lb= oce realmonody emend°, bd 4 Fe ily so se

r,tea so sew Novide seMakeyewANDID Ow werOlf41) **VW bo melee ley Dent non et ye soy ensre De wee boson M*4odor yorOda gm* tyweastyibaboallo did alldiem zuraloom 30 eyedsewed dabow

I tsetse stye footway demised waste Alde etdeeps yedisamineNsbrae do toor.te WennperI. loseLIU fond 01 0 M./Olt ay. Alloa, ft...afte cducift maimpasta"annex ma iselmortto Ilatavare0 Padre lose. tholdnedootb linter 0 DOC-,1 4.4, NW0, Pi 1011044. 0:10 Ina GOMM(4 ampNo wowass sooti Dd.teetourodytoy se adomad% Da adsot eyetocooDe vansoraft remtelottotI doe MD eel enrol bed mod Idayeseolonsose.

am so bolambuszeoasagiv eye to, Off FM getne 5114 I6 WI Am a Vike fkultyishoulyaxes rue eon d 31 Ms oe so wed edgy ao 61 am 11 omens, 0 loles tete 5411.1 Os ones ergyen nal** leenesemcee colony seenslatyb ow. ftPent. et 4 Ow44.94 4104 %be Ho 41P4 w44m 044 40 "4 sada terin wet sod ye Fswed Reese midget:nen 40041. 110140104 100016=0 meal demiet ye pod odd Wm Weasel' obebt Ards lee nese rowan cos• net so nob gem. Medolpeeing*, test**awe neteard isoMet sonsho .044 44000men*islmaay Nimmons Mendeo seal beaubroe sonebl pane) scon ty ao tales rudders es01toorenisiele elm. Wed mownIlls b ssegit gibe Use Otis see Mom to d to eerie 4to Oa *OM51 41 1.1 deDemo s tobt feo enabe totehooleand* Sewesneon sseed co 11 be awe oor co se Woo prat sods Dept ado yoe sloe socud (My ley Mass Sayer Odels as as atlyffkinfbIlunt here t•sconst doil rood el at lbs does 1011 OAVOI OtIVIPI de Ore tele ate Itre oraw mak end's%no mole to*ceded exesonomayo wen.nemetes osennolo doteba od ye n tot t• /0401 WO. 4014 4040 0410 0 404004 0;40144 PO #040. 0,44[034 patoII en tas sanyes abor new bad ear boa ytys emu attast WI naydooyer. sa ismto KeaodasynestAwes Spore. dinette Meson some/eretoa eatbyrobscsDo ye mea Mewswed yoi seem DOW CPAIGIof 10 SOW Isneon bx net 014111111, Iggingl? se No deed so cadent peen <Ds assetece ifs denselang yeatose *AsoseNMIPen sly.ttnos anewspen stewtows senaremDo se gnu newton stet seessibdyiy dy catetubjuinikkid et.. a .0,4 wad kmap tut, km, oppp bagerm =artant% fassesCoot Ole po wee scol do to Man b•Ogritr &PIOnseued yes toneiko4 Se Woes es 04 Wet le eon eyes 11 wont epee Mee 1."44 4s* g4m4.14"031at* ft.° Kg .14"41C44 4.5104343

at$ to es ewes% el do pent east teas coo no peon edy'Otoon. en 0 shoe aey NUMROM$400440 Moeded AA* lo anydfiebraydome)peen IN elseas open nettotos. beset So dye Womb we wren ewe. 4 no ttley To be bee Not Ws diet A Make Do Wet Reseit no Ibe d oo os poppaI par paiftuf larealbealcs IAI leg d pa IMAM us MO Cd NW1~0. MO NNW** Mx* tesonesto ensow pees of woo poem septaso MASS Iota MY bean MO. enento1 os leebo

tato weeosodSol see kebesot testaeP.O.Ds 3020ea. Wenee.yedney hew etebo beinconose krest nemvd ashse

ole sp opi rownedebentedemote" a*.

els 440I On 441.go tweeiso tow 0205*atown 14 soppy yoeMee Dot ken 010 kW. 040 0000M)0:4400:*fit*Mane DASOOD10601weretioisso sof 0sorty teed byte sootsd ambLigoggiarWoo tooelmodnem6.6.0.4:4 NOM 4enesonol O. seesenseabo.todutylocce sewybom *neechop poor soneY7 Dicedassoided onety0doeb mast azDsmajfjyamu yoy nob doe 1111 loco ce bt. eve ote Yoe 4439 04 07 po

0410/ ret..t... OM derma torAle de mudor ages basoi se ben Ode Rine0110004 MOW Wes epode Too WOO Seeend* Toed dee 004 400OW 01, 0:00. OA 000000 4604400004 ow49.1.40, 1*/mewtons e Inane*so betonof se=est Redoa sos Yea lee declDe ttqltokyd.

Mt blinsalheendobi sysew*rat oodet sad andeson iso way be seeda doe du do ma bed Yo Os nee PASbet rid on oeus nod thy amino al woWe 05 Pomo] %eon Is* Mos seabo by eser1 0000WI *pump! by el.Deem Coo .04 la +a 4.1143RIN sondasees Sowedged lotobeeseemendesneead snoweweas oto toads y des too Wes.opyty vsodui eonspoe eye* esDm=litsfijimitatung 4 a Atmmatttnot pos4so ernsof Dos tens, orysod Wes TO endes yees d be. In sol toe we4 000 100 101001444000 C41C0401,944 0WWI WeedDs be Mang COM, SOW* .4 406 teadoes et, In lot &It b%64,9 no Oasesos Yeatomeseemedso bents ID sone.ble Owed by On used so epos Diu es Oat ityo stem bo fed yam este asobstepp"up., sp. ppm p.p., p ppp p pip„,pp., Ter%WM. Disdkist005 Tel teatCot Oisbaye es se dossielsoly teenyawent.;be. Oran teno RP Kesel dr yet entlcad. po pot De to sow Ds babes de

ne wen se de es 0 ole 1*1141 0.*1p. nee eto odds bo ow es op. soles tat latlaNtittel.De us nousCoons See RADOM MelDeOe reften.e 14114019 Woe DiOW04.41114044 010tessul 0,40 1041.4 *rot n4.t755**4eptiGam elms. soaketMt*OVA 00oppp.*pupp ppm pap pp pp ppp pp,ipp,p nod soo tied kg **Wink 4101403at* oticon sirenboro aMIAs ea

MOM 604. 001000000 C.4(10401000 060 00kmbYce owe sew:oho/seefuer:geesefew b000tese kerooksookst tv. i. duo wens me moo eel ?oil mete to duo eeli

it ow woe e es mew so0 ye so st bet. Agee seam P3 be pampa co omelet Cc*" .4U4 Pa"44 440444 Ootttno. onus. ZU111094kW MOW16(11.111M OAKUM p I MA 147 mos dys ene.t ed amok 21 wed al sane cp040405 a 00* al CIOU cab ad ono deny on Ottal *amassI vosittAtem 1 ten Mil 04914 Ka b. Innate Seseetested co epee& Undo Coy. DOSUMO*OmtoIted an body Its sew ye us POOlt. 0004, t14 MI MIMI bars" VIP/1.004

broom, Permsouy bosonsneaten Deo di donee to bolo obily Va de teed den essei eon Mao a* oorIrlOobsby pay byweestresoo ortneydsody ecoadt analog' 44idVIN 0 IPMCO. teyoso, Ayaen do es seeml yedo os ey so el0 fees*tonlescom Ilesby test11004611.000 teenOsse pest.Woe on dea 4[010* 01A0141.I400 MOMCL04/1 01000000005 pa 1:000ADIRC01 0KMpeocempriestMama cpip ipppppypp,..ppipi41pcp pup. ppppipppypaVontbrevebeetecot.lenspbe DOM*OM yaw boNtsobutt a es if leweOde yeo yeti Coo Cons Deliabent wendwomsot Altt$1.toossetidmeowPono*0 Wogcs tetestraner 140).0”4010yos sonny yeefondannoneeowedes

Momsby eltettby odo semenPewnamed on De tabas gOte, ddes imam

maw*

Changing Address7 Not quite ready to make payments online?No problem. Follow these simple steps to make sure

410we process your payments smoothly:

Home Don't staple or paper dip your check to the payment stip.Alternate Be sure to use the payment envelope that came with your

E-mail 0 statement. Using a different envelope could delay processing.Please don't indude any additional correspondence.Last but not least, be sure to write your 16-digit accountPlease print address or phone *Weibel domes above using Moe or block kik number on your check.



Managing your account online is easy:Check your balance and view recent activityView and pdnt copies of past statements


Sign up at www.capitatone.com CaPir

Pap 2 of 2

Caor easternerdente tallSWINIwawa-Feb. 21, 2013 3I Days In elks Oi.eapitatonetam

tle

Crock Ulla $70=00PINtwe MasterCard )0X(4)=00046542Arida* Cede 515.579.60

NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Adam Credit Unit S10=0054,42040 5192.24 Mar 25, 2013 AnfIable Creek tor CareMarcos MOO=

Previous Babnce Pa nts and Credits Fees and intense Chi ed TransactiOns New Balance14.384.44 MOO S35.96 MOO IMMO


You ore arrested a past duo fee because vow Memo payment was reereceired bythe due dee. To nod this lee intim future. no recommend that you &low a IranWear dots forsox widow payment to reach Capte Coe.


EXHIBIT J


500012

wñtz m your wow IT'S STILL NOT TOO LATE.MARGARET MURR Your account is unusable. Please pay the amount due on your

statement by the due date. Remember we're here to help!

Let's work together to find a solution that's right for you.

You can make a payment with our fog check by phone serviceor speak to an associate by calling 1.800.955.6600.

0 2009 Capital Ow. C;altal Owes a frdert4 regisurn stoviee mai AN hen restrvni

CarPeg e 1 of 2

Calmer Wilco 1.UMS1.7010

www.tapitalonOtOmnot 29 Kay. 211. 2013 30 Dap rBSI olds)

MOM PATIENT WAXING:Ityou matsorty tosham smutashwend sussem souto 'simianIsielks pabvist to ray emsWantForsoadis

Platinum MasterCard )000t400014000S5542ParmaAnoint fad Perbd N No Approsimme limeto PayOel htleemed

NM BALANCE MiNIMUM PAYMENT DUE DATE Addinead Omega theMade Sutemest Um, TMCot

KURA $435.24 Jun 25. 2013 Immo Pronto I 21 nen saaes

.1% II pricedBsSimons stoolus& cauudro wises.ad 1483.3261251.

PliAlE •^V Ar 5AI r MU gretty; IAN TATUM WASSON Wudo net ncelosscuradskus swillty)us dss dss.Cro211111: $20.00000 cashAft=ows LiAt$10,000.00 surestken amnia thedm a MOW ethpmAPRs thm to MassedtwoMe

Pee*NM of 214011.Anittiscretet St5,469.34 Moaboat (scat, ktvancen$10,000.00

Plosion% Balance P. ts and Credits Fees and taterest Charged Transactions New Balance

$4.400.48 SO.00 + $37.111 SOTO 8 I KAM RR

trond 5 paymerts l it i 1 TOO 055.betO Iwo& vou, ortsrs

Help is Available.(TRANSACTIONS Just pick up the phone. gknead Wee Both Ohs ct tins page ponde invettant intannation about sour

wets) and how ssurOlean chstge is aknitted.

PAYMENTS. CREDITS El ADRISITINNTS FOR MARGARET MIRA 05542

Call 1-800-955-6600 and a specially trainee agent willbe happy to help you check your balance and make payments.

FEES1 25 MAY PAST CUE FIT 535.00

ToW Fees TM Pethd $35.00

INTEREST CRARGEO INTEREST CHARGE CALCULATIONINTEREST CHARGESORTNASES $2.18Total Interest This Pencd $2.13 Ord Annul Percentage Rate (APMes Ise annual Interest tete co yawnoun

Annul Peremnage 'danceSubject toTOTALS YEAR TO DATE Type al Mance Interest ChargeTod Fees TNs Year $26500 Bee %HO lamestRate

Total Interest This Year 16.86Cash Advances I 24.90% P MOO MOOSoudan

Puxbases

0.00% 4.308.22 WOO

I3.90% I. 1 S319035 1 52.18

Transactions continue on pap 2 P.L0.1 m Varithle Ire. See femme of page 1 forelimb

PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWWCAMTALONE.COM TO MAKE YOUR PAYMENT ONLINE.

1 5178058415145542 28 4530880002780435246

CRAirAccount Number: 5178-0584-1514-5542

Dna Date Rew anions, Minimum Permit *avant Wand Take advantage. Take control.Jun 25.2013 54,530.136 S435.24 Manage your account online

at www.capltalone.comKEA.% PAY At LEASTDOS AMOUNT Make payments ACaReview account information

Manage your account in plivacy 4111"36JRARGARET RUM

N RAAESTTC VISTA CTSURPRISE. AZ 632117-73/16 Capital Ono Bann (086), M.A.

P.O. 00x 10511MIPId10161"14.101414,01104.1d.P.h.l.dhlIP. City of Industry. CA 11,7m.-054.1

Please makedodo payable to Capital Ono Bank (USA), NA rod mrd aIM Miscavon Wi Ons =doted envtd3Pe.

YOU'RE BEHIND BY

5PAYMENTS

031


tra I azzabstimpaskitigi led ewe cod ap cos lee !ewe a U. re eel We *We *Orrmilitimagspmew war pod i J art ea re awe de" lead Aar 11 peeciack 11 Wrap wawa 11 woe la anke colCe Oweeal 0.0*05 vie 08010 isteq mmoKto SIM 0.10000 00 oft,00511. d CA 0••• pepeppa.ea.w Rd so re awe s chomp ayidd eV pa Fa wed sadde Wensde re ewecern. at Ups Indaqbssam waitcit4da ote pic ws OD* OIL Wee* awe cepa el be awed llece ewe= wed racer Wawa a.lea.wda.ldW aa•weed wawa wareed pawpm eswed4:444004.004 C4 OM 4.4 44.414444144,41141%4% 44414401414411.0110. a V1,441411 wawa NM, We.Came PeeOw k12011 MidpelwaGddiI y MedwpmWm I le ticalbeek Meal Wore dews Now IDa tre 11 des of P. Treece 21 dre cl• woadto a re ereWaxw reWalesa..nebe creed rediede weerrearalrata edema w 11 ei Wale de d Can wet view ewes awe cc we ww4 now Os ee leen raptands ms agmaigetaintep Pewees se Cr wawa Ii ac• GI eawe 4 pal W. T61 mans ra a.ye moPel elogaS ow 441. re de vese We Bora` se we% war Wee cds weft did dadblower a weApswetpadalIpeolpee, re001 00 40 la 04 es 9000o Mile. 04444 Wan 4,4944 ift2 t. ea Pow wee al tee lased ebeace after co• ea AO swasewwere ewer WA wee We we race wow PrRayworse a•aweav rottwe sawsems anewseea esersbefwerwewoad*peeveas deinewerCepa lawWawaroma a..Y.1A was"*MUT capaaa 0 MO*I t&wand Is ed. Wel IIGetwld pa we sato ca Wawa Mule% cadlacsao It C2, 414444.4Wrq00:10011X0V0 Is idledCUM Ittle3 04194. 4004i4441414144.44tectset.41441110MOM IQM or dm. Domat its4 ikvIoNS.004 Pabq •akNM GO we laddiUsjarmastaid We mi. 0.1re. QV Amor De, oo4N 0""ftorrmoor PS lorgorcr". *Pr a Pa 40" a" kV Mkt54 b04,4.44 0414444114414 deut Dawest et be Wee* res WIberet leOa WWI% tl i.tab.peweg Odra Macaw* Wee wad Career 0Ion Ude WI tia*Cai wallowsea sdd Mi esesews ad de weft nws clew at se dew der Ileum Ca• St sew. sr IMO MOM SallelfCAWAW Asp* *SeaBedewMocemsImeward tetti ko 04 *pee 15.0 thm 40. ilet visa 0* toy bils+0 MA fff4,4.4.4/IMIL GeV. 911tal To 00111 feeMa tee OW A Week ft Yaw esemert U ve eat ce• 2 ow ce losplea wawa aterctameislie d pa beam vac 105015 wet aeuelowt terseem pc0 wwweee nartmew wale a wee wawa scdowe ra WW1 CIOs dsle Wean 00. meowthew Won is

weewed taed endro de el3 beacon. Came**90.*erste+kat bd Amp,Deg Wm dth Cuusimasrfor breadserpo. se 0 Webthe ea14 N.owIowadeawarddesecrob3.4

ad*WON& Murata..ram. lerPalma Owsars Won 01440494404.1140 044 Um. earawe we ade Wee* Wawa+wag00weesic delOW* Cc Ilidlte det wpm and )1 addle* *Leg er natecrafter. toadut:ritsa: rooaim r.smoat lambsbillervetWIL wage* a mew*eweWow*, WW1*. pawl *oftstew Wow Pgiumga: thtear awn tMeateand 400.&marl menot IhNomttagger to. 0*Owp .0a 0100 A. *int* rAterpaWee 10114 we 595MI= MI my Vain% bowl frers•ta. MOIR WNWVeht MO mp wee et dwee Wed a cm Wee115 a everCl "an 514154 *Sal WWI. Mr traramJowning te Id OW rde awl Wee Matt A*Mal aPtate^ 'Oa MarOmow axocod wog:rootbite leteroce da se Wedirdeerew netsers Ares1. tracher WW1 raw

.••••cere•werwowsee.wwwarroweePAdal0 yew ewerwoat*roar maw ram paMIN ra woe a swam re weed eon ea ve we kw*re de ease mewed eV Weald two£11110 bike aspOwelenly&Wel to 9691 Adopt es=rode JOdeedow ectele see We

ham. rapr R.,e.um, „wad rideam melee earee a el derlen teeAA wa d•*Wei sa owl 1 imoKII UM gyp, .ad 5111w. *lid/. MI 011. WeWatt91 0 Mara ~GIr..IDxaMat WI IIWNW/ Whetwe=

O ensPav wee tle WIele deeTts Opp a Amgen eft^••^11. CO par lame&ed1111 Iny 070Voll 061.91 )01MOM co OW Prot

Ile. dee enact de wcuda mute re ea mt ResewWawa a ewes core ewe ccwei 1 sorra= Sega reamf Wog prof keiendwhat met

/srOwideleAstkelelstodalle Wave acmere. ale caw wcwitaew wo ewe* I tle. pa 4. W *a12 04 rap cam I. erac• 124111111 144 4 woo arm SW wave cia.WA Weer News tie Y erc OwOf weal &sautes Iwane' al 10 arm= Pa cee cow .sem,51pa pe werede OrWIWAde weteemsnakeareal cas raceetsewweewe* geneswee Peter de as ad, reawl mew weeperwee.*Wet as laohuaettegihip d Reed Wes sowed%formeOa Neese pawpaws& eon 93 00 d cur wed Wee laww led pc swap *so eicreol 000 twitswater wCaPVIPaaallaatliall" Ca'aeallVat..0".."valaa.4.1.11.""""."..." we* Wee areasee never3 Oteeartererredo te4 dewwe we* le Ols enema Cr ewe Pd de. ea Access Ts eel p&p & covarr paratankr INwee Deem War wee or wee w Asp as ma" ser aso sum./ coo we* V."61414, PIN MtOkulhaid VaklAw 0.14C14104,06. I IV*" V"aUfftent4eak Mgt taa Ira ars Nouse rob pra. ma oat 04 wo Nowaaped bwow 0. palm re%

de waist Ku erl neveea, ppor etc 93 m Va.sa.eesp wan ela c•el weal Ur ac *a el; w•WaccaccsudOcere0 lova wiwpa2d4.e.daNpalcceea.Sl labaatsat wroateels" voill Wino,ablitad IFIrA0masadnirk sck44 Maras of &ow doomssatmadam

mi..4 C. I., 1111rwat a* wsear clab te paw. homy' pa*radars awes Paas Oa or rialt

meet am. chiclift Mainyake satcsdanoat doss.144•0WadedWeds* oat b01 wareDadbippaPpaa.l1 erc dew, *WM ras lacu•I Miro V& 0 000 0•01

Ca al kr ay mew ea cd• re es on deria Acme weade us 1t• 0•000.1 csataat 0dofoegam ibmevoloiwItena*200lumbidrehrepadest wee a zedeuctwe mow sad raw** law n1 5) cop Avg ye* celt lad ed ewe. 11 once 0:00,01mew* 11 dew* G cadt oreel am dads. ed Cm d.o.e. tor rmasp 14. **I v" d194 PAIM11210dode acowewo c• sewed. Sa teeC4. 1111300211Weft Intiadzsatkorai cce guy pip thp ouftwo. M.P.&V& addled rews. cser WOW

Wow reactsetc*we ewewe War re wawa •rn we cat *dr a de *awl raw es dertiol awe Ofte ea w

11116.*sweets wareceucers* we lonegaltar lame mega:0k we st Eel our41093‘ Alta OW. SNIT/AVM as83 sew/,rd wo <taw go ndapSI Traplanal.raticaroirCer^0001140:14SS•7010.04:000000.400,mamspi**** NWMtn *MAW.Pwaa.lia45a.wapaa.1551a.pe.stla.e.as.oeeaieca ACIIMewer Awe**al Cori Cho wrap *mewawe martmod tires* o'1410.41M9.44011be daildWI*IMak want hrhes, Le Whim* bas perbob NCOa *warecial de co C 0311 Coca 0e.Uwe Cho et len*ewe*ewe 'estAi wewveswasprepare*

Ca.; ltsgranmsaca, Ien4IItacOcdpa*0p res Wm** cler Waleardl4 learnte weewe* ea esacedrameadedolCM OS W13219 anted bawl:me

ITC•03WM'

Changing Address? Not quite ready to make payments online?No problem. Follow these simple steps to make sure

we process your payments smoothly:Home Dora staple or paper clip your check to the payment Op.

Alternate Be sure to use the payment envelope that came with your

0E-mail statement. Using a different envelope could delayprocessing.Please don't include any additional correspondence.Last but not least, be sure to write your 16-digit account

nem vim address or. phone amber dirges abort using blue or black ink number on your check.



Managing your account online is easy:

Check your balance and view recent activityView and pdnt copies of past statements


Sign up at: www.capitatone.com

Pogo 2 al 2 ICmeostuSeMes 1401435-7070 Apt. 21 May. 28. 2013 300ap inMgCO.)WWW.C11011000.0181

Crodl Lint S2D8C0.00Madman MastmCvd )030C4300811)0C(4542

Reelable Credit $15459.34NEW BALANCE fittN/MUM PAYMENT DUE DATE cashMance Crodit I.1y8: s10,000.00

$4,530.06 S433.24 Jun 25, 2013 AvMsbbCredit tot Cash Athemeee $10,000.00,

Previous Rebate Pa ants and Credits Fees and Interest Clot Transactions New Balance

S4.03.411 $0.00 $37.111 s WOO a $1.5$00.611


You were assessed a pad doe fee because your minimum mown was am emend bythe due do. To rail Ms fee el the We. we rewarmed that you dowat lead 7byslee's claw he sow minimum memos reach Capital One.


EXHIBIT K


300781

You have new payment opportunities available.

See the next page for more information.

capite

r.

Capii...Page 1 of 2 I

Costumer Sank, 1400458-9311 i Dun. 39 -Da 28. 2013 10 Days In Oleg Cyde.www4apitaione.com/solutions

otPUTANT ACCOUNT%Marl

3, Platinum MasterCanl 5173-0534-1siassa I rap her Moo I dre. Mypares: sou trete nd oduce yourharemand IWO NT orl 1NEW BALANCE PAYMENT DUE DUE DATE, leo data !atm Ike amount you oweSYS Met, wisenand erosa mewmoveri1:sperm"

$4,535.89 $4,535.59 PAST DUE Il......^- 4

Available Credit 10.00 I

LICi

Preston Balance Payments and Credits fees and Interest Charged Transactions New Balance

u 1, S431.1.93 +So.oa I + 32.59 l Sono

t.

i PAYMENTS. CREDITS & AD/USTMENTS FOR MARGARET MURR #5342 11 Help is Available. WiJust pick up the phone.

4 I Tour Fees Thn Poled I0.03

LT I INTEREST CHARGED Cali 1-800-258-9319 and a specially trained agent willOffEfIEST CHARGE:PURCHASES Sz s9,, be happy to help you check your balance and make paymenttIOW Wrest Ihn Perrod $2.19

TOTALS YEAR TO DATE 1

Tad Fees Des Teat 516530;Taal haven Pes YIN SI/ 09

INTEREST CHARGE CALCULATION2 iYen Annual Pm:stn. Rate (APR) is the annual interest rate an por meant

Amid Percentage Balance tibial to1Type of Balance

Rah (Am Wooed Rate Interest Charge

1 Purchases; 13.90% P 1 522032 $2.59

1 (ash Adences, 24.90%P 1 50.00Swath=

MOO0110% i 14.30022 1000

kt.O.F. Vane* Rate. See mew or me I An deals

PLEASE RETURN PORTION BELOW WITH PAYMENT OR L03 ON TO WNW CAPITALONE.COMiSOLUTIONS TO MAKE YOUR PAYMENT ONLINE

1 5178058415145542 28 4535890002764535897

CaPtAccount Number: 5176-0584-1514-5542 r

Doe Date Rev BARN knot Endosed Manage yourPast Due 54,535.89 i I account online. 461

Visit www.capitalona.comisalutions to manageyour account online. Have snformauon at yourfingertips 2417 without picking up the phone,

40MilOARBARET BURR

14644 N frA4ESTIC visra CT r ruse

SURPRISE. AZ 35367-71166 Capitol One BANN MAJ. N.A.P.O. Box hOS1111110111/1111111110111111'11"NIIIIII'lld111.111.111144 CIty of Industry. CA 5S7S6-0511

l'Ill•11111111111•1I'llIIII'llIti"I•IIIIIIIIIMPIIIIIIIIII

Please mike checks payable to CaprIal One Bank (USA), NA end mail vnth this coupon in the enclosed envelope

Caaa1:13-cv-01091-LMB-TCB Document 1-13 Filed 08/30/13 Page 3 of 5 PagelD# 92

1

Prom

II

m. wpm re rig por -raw mow nd ao mum llairdlair======miTialaTmea.m2=riuriaacala amen dim a all We II WM= 21 bisra Nab% Imoil ow Myawo, NOM.MIMIMins tittleno* t=big sego,WeWs 'au.mitoses ad ralMadwom0im Maam mos maNam Iramaw nomMill NOMad aaa fp asep weep inif p. Wpm or in Nam g *In sr 0 pa Wag 10. Npasem elWilM Mimiroll•IMAaasrMamtrama wirl tomead. Mae I roompoloash "Wen mon ma pradid ri Mt Waal ammo imam Mil ma Name m mold m 0 am•Peolliedoi mamomaradomarrafto mamai Wmisaa 1IMMIM Man wenW$ pa. tes toe ft= gownsman Imam cm hi aolddrara lakeMinaao. o ole dank= appba aim thaw ma lea A. I, or. o te groom a saoaga wadi aflal amar OcionvoalMabao misslbe asked adai Mareemlaa.muma pormal all iniMa* deg OltNag ping sawOlson semIs arrroal*ewe Os gos Mau Moor CM* a is armlfgalti imam al IN rommal mim dOaMil MOM IA Mm MeV AIIleto. OWNdo•P• ow 4RIP/ftPOP Mar MOW mm mIrM micOmpapawlMod mastotomaaa momprowlora Maasama gm lamarNM Mimsli Ma Praia dm* cmial mallMailsai MNWM miaward pmMoot weessimbNioleIIINDUIP ROI WaalIt staullasu WIraft Mepe pint saga UV ligIM, WNW sperk Vita ma auslaractopsdimam Moweamiaram dman tomomsa doetsmuclatla WM/ Ism SIM2f2/=illi=Om Mammal SIMMITMMOM 0 10S.ell*wood MIliM Mat 1111110w1Mooe I pa m NOMa loamy memo%Oa asomixiso 0 laMemo0111 pow Fa sums.soap*Ismsdo% so6 f Romaism01 laMot taros ram MM.MaOs meal amjaarMaMmimmbli40Ow pi Wo dm 6 SON slid mop Dey liercs lechiq we VablobvPlawello a* iwk"MGM. IIPI Poo Mimiwadi Mr ladalar Swamtomm trommost PM 1M NOM m moo pro00/54Mad ram% awl 1) leiMr Ward Mira wedMml. llama=COM MN MOW NM SOMIMOM010IMMOIMIMil ad lar mil um/am mi Mor Wideman Wale ml MI all taw N.a mammi of IMMSNMVIIMMilimWM00to AwlAganademartdanWas NM NM, 00 OM IM•ImmelMe MO Msmil IIIM Mlf0doli.W. MIRKk••••••k JP* Velit to Oa 11 IMMO* No NM A Midi Mr N. smart 1 w. Iv* cee a ow a ps.m. pillpr proms mailtema MI1.11 poWmenEn esagsmelqueinnueomeb0pi wimegumuyinWino 110:14w01 spollpillitiliweeme NINO Oa twildrouta mamma faiaoKM= midcalis a memaratadNM% Oa rallararia EMMONSImo kwow howdaiimms MPItolial biaam"odaOs ad momard 210•01Oo orgy Wadi WMIM1 DMIMO01.110111d 61,10.111SORMi OP. Ink piwhotaesviobassxMMimial maMialler.ourcerampiMangamdram laddipiriargiOsiedam •.a0111=10r."8.4117•1".gm,mi WirmliMalmlialiillardentSUMP Om Mimi mg M milfar Mem•MIMM••••0°..M.6. mosouthstao I parMadam aamso pa10. *note ma am Oema mai wsofsabarq NetMtOwe maim a momsmo1ds". besabAlon op etti am atmadaapEINAHMI1d.

121 TamenwactamadiMm sArStem amogiammariamglifturesstrAteammedOa 0mai worm amwor m Nisidie simatmom% yo. "mu*.d4,mew mil VammettommillimemaaalmimMamot11 Ilubm ulmL 41 wd 6" Nr 1*1 0141 f" 411 S. ft" "4". im mitsomesemsouswoornsgstsVmasssimsemsoommoonsonommooroowsomwean at mot la m le iii in psi mi S. Imer• re mada IPi MP 1•1 Imml* AVM m MM ardolwalmII*odororstoormalea11111 filimat puma motel Mor to litimuks papratewevat Obe en Wematles N.Imam imdmmed so ImamimodanapmatMolie MI id Mier allo Mid Mt mMu02819001401•MMOm MWIWI kmMa mummLIMIammlMe MtIN

lb areammikado imammaim amidpa aMamas* fratimmimaommall imamIM*sip bosom otimatio apaamettwho ageowa Opp INMomOmmotam all_ ma ===1212210010ssavo r.::IMIMIScum, Wanebn•I 00 PI N. 1 to Immodamaora ammo piMIMamaa romarammo mar,or faialmaMoaasmoon momoral MoSlatiOra ithammailinme io pmmoat onmodD suimmtme*. lamaaWoadtoammatapiammild ram opoow mo Mai MI iii da es Om of la wad M MVO sela ail pa mom Mod laammo a au

aids mui Orem MorMasiskirderer00022 ammo MIM1 worimmpaasmoralliOa komalmliatMOMWeCMappirlOgRati wpmcresimmilitleatUM MM. mallafpriMMdoisaalloprO WI dap Vim 1041spil ammotof palmas adNal os sammairs Maimala lamcosiallOwp Maim Norm laMrbodlOrlidaial la amio domaimasmaimalato momimMaat IllemaImaUM oar ad ak lid *MO* Mar VIM INNObitillal VaiWm OwnCul ladmo towmmaid aaMe mis

l

0 mo la amps Oa Oa Matadi matlatmairmadmateMmamita*lad im Maaid adiala

MS amadamotaa IAi mot= aft* airditlammut as madam pa swam la MIrad ad lemamamod fato lo imamV or Mamie; Oa

maMom lmorlaOMidldiribmmodad MOro gewetti, odeamactamentpeatto uwatda ti "...1^••.0,,.....dcwa1., ii,p.n... imam"aor moam momamrow ama atar Maori romatem Mam datemimetOadmikosipmait laMa farad Mbmade thoaug Koraipa endgesq ve0410.81msi1/40.1Piael MI16010011018 SWIRLIMMO4111 md microoft'Potesp Nes =MewaIs Meese siougamapilaohdrioarmospawmon litmalts mew astaussMIModpia Ma ad Moatallagor MI* ammoor

N. „ideacom ow8. mitI,r.es aoutdo woo wane%OCOMORO04111111111.114, 121.111japhiliNs sqdew I, orprd plyKewit sat ppailla OwMt paw=II Opel. ad li V/ INS" Mai IN VOWS Met AIWAimillallia 110 INIPMINPKW Pen, II mu. Oa. glpisawspa'amid a OM sr amofil pa mot 11 osp am isa mitred mal mom 11 wad 0 Meat,,,,,. Imam I. ow,,,, 00, i. p.to..",......1 ow IA„. 6,4,.Piimmok, Mewl Mambo. Ragsdaft sql 41 vas Iowaimamum f tqlme thpri sonssasst as MOase or loom IlAdmit IwartFoam mmiamidiamropy Namshrimemai am Mad a sugeMi*WIpa ISIMPaliModalwawaMontan pmsaimoo moosismot to MImad Nam a mr lahrt

la below PireatMelowide Salwallem CIOAIONWW1 dillnemsPON1 paw= IRow alesswegoitblacs•lairborn la movadmmumaidMoe we pm mom Sam IlimOreCord Maa* Wasionomaiaria aptal Mamaalla WM* MeimamMaoto AIM 1103155.7= ad Imam Orme momOM mainaOm imiatamakow arra moo gm isomemo ammo mSO m Mompram lamabr MOM Ma ma lad Nam AMMOW ‘11001.11 WI WO PM NSW CS Ow el MON Of IIRCMIIM PINK=MIN iimiosemho 14:0M40101111 MVP/ piadomeam mminiam10amaratoral load itma allmosiOmmairlea iiiimatiama damaaraat

MiX111

To change or update your address please call 1.800458-9319 or visit www.capitalone.com/solutions


200985

You have new payment opportunities available.Your account works differently now that it's 7 payments behind and has charged off,

craike

Dear Valued Client,

You need to know about important changes to your account now that it has charged off.

You are still responsible for paying the full balance on your account.

If we continue to send you statements, you will receive them quarterly instead of monthly We may continueto report the status of your account to the credit bureaus, unless prolrbited by law. We will also reportwhen your account is paid off.

Help is available. The changes to your account include new payment opportunities that may not havebeen available before. Please review these important changes:

1) Your account Is charged off. This is a change in status from past due. You are still responsible forpaying your full balance.

2) You won't be charged past due, over limit, or membership fees.

3) You have new payment opportunities available to you now. For instance, we may be able tobreak your balance up into more manageable payments.

Please contact us today at 1400-258-9319 to find out more about these new opportunities if a

third-party agency is servicing your account, your call will be automatically routed to them. Remember,you can check your balance and make payments any time at www.capitaione.com/soludons.

Sincerely,Your Solutions Team

Help is available.Call 1-800-258-9319 today for more opportunities.

2 Visit www.capitalone.com/solutions to make a payment or check your balance.

Case-1A3-cv-01091-LMB-TCB Document 1-13 Filed 08/30/13 Page 5 of 5 PagelDa 94

r

Documents

Case 1:13-cv-01091-LMB-TCB Document 1 Filed 08/30/13 ......O 240Tortsto Land D 443 Housing/ Sentence 26 USC 7609 StateStatutes O 245Tort ProductLiability Accommodations O 445 Amer