# Profoundd archive — Epstein Files
# Bates number: EFTA00123832
# Title:        Capolay)ne Paget of 2
# Dataset:      9
# Pages:        78
# Images:       78 detected
# Tags:         epstein, doj, dataset-9, image-described
# Source PDF:   https://profoundd.com/epstein-docs/EFTA00123832/download
# Doc viewer:   https://profoundd.com/epstein-docs/EFTA00123832
#
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#----------------------------------------------------------------------

=== SUMMARY ===
Capolay)ne Paget of 2 Customer Sennee www.capitalone.com Platinum MasterCard NEW BALANCE 587.72 MINIMUM PAYMENT 525.00 PLEASE PAY Al YEAST TH6 MOM Credit Limit $200.00 Account oral Nj 11 DUE DATE Feb 12, 2015 Dec.16 . Jan. IS, 2015 31 Days In Bilk® Cyde ] MINIMUM PAYMENT WARNING: E)nurmeodylhermirumpetmateachpab0.ya MI pay rue itemslaxl knilotke yau bnparb poy etrxr tcirce. ForexatOe: Payment Amount Each Period It No Approximate Time to Pay MI Estimated Additional Charges An Made Statement Balan


=== EXTRACTED TEXT ===
Capolay)ne Paget of 2 
Customer Sennee 
www.capitalone.com 
Platinum MasterCard 
NEW BALANCE 
587.72 MINIMUM PAYMENT 
525.00 
PLEASE PAY Al YEAST TH6 MOM 
Credit Limit $200.00 Account oral Nj 11 
DUE DATE 
Feb 12, 2015 Dec.16 . Jan. IS, 2015 31 Days In Bilk® Cyde
  ]
MINIMUM PAYMENT WARNING: E)nurmeodylhermirumpetmateachpab0.ya 
MI pay rue itemslaxl knilotke yau bnparb poy etrxr tcirce. ForexatOe: 
Payment Amount Each Period It No Approximate Time to Pay MI Estimated 
Additional Charges An Made Statement Balance Total Cost 
LinnuoPmenert f MaVs 
you %old lientematon a7Dfcvedr Carg•Nrg sevces 
LME PAYMENT WARNING: Bwedon re:exe )ox rum= paret Cy yo.rd.edne. 
Cash Advance Credit Limit S100.00 )turrgY hanPlY a kethl3b$1911
Available Credit: S 112.28 Available Credit for Cash Advances: S 100.00 
Previous Balance Payments and Credits Fees and Interest Charged 
$214.74 I 
- ( $150.00 $22.98 +Transactions 
L  10.00 Sgt 
New Balance 
$87.72 
New York residents may contact the New York State Department of Anancial 
obtain a comparative listing of aedit card rates, fees, and race rods. Contact 
New York State Department of Finandal SNViCeS: or www.dfs.ny.gov. Services to 
the 
(1150.00) Always at your service... 
Pay your bill online and take advantage of 
TRANSACTIONS these and other on-the-go services: 
• Capital One' text messaging 
• Card replacement PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS 
1 13 JAN Cap 1 DebitCardPhonePmt AuthDate 12-Jan 
TRANSACTIONS FOR PHILLIP I WILLIAMS_ • Travel notification 
Log into www.capitalone.com to take 
advantage of these and other on-the-go services. 300026.0 
FEES 
1 12 JAN PAST DUE FEE $19.00 
Total Fees This Period $19.00 INTEREST CHARGE CALCULATION 
INTEREST CHARGED 
INTEREST OiARGEPURCHASES 
Total Interest This Period 53.98 
53.96 Your Annual Percentage Rate (APR) is the annual interest rate on your account. 
Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate 
Purchases 22.90% P 120430 
Cash Advances  24.90% P 50.00 13.98 
$0.00 
Transactions continue on page 2 
Due Date 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. 
Feb12,2015 Account ending in -
New Balance Minimum Payment 
$8732 J $25.00 
PLEASE PAY AT LEAST 
THIS AMOUNT 
PHILLIP I WILLIAMS 
BROOKLYN, NY 11234-4029 1 
Amount Enclosed 
ENJOY 24/7 ACCESS TO YOUR ACCOUNT 
-op in and "wage your account amine et myrkerromoone ecm 
• Pay bolls • Crock your belam• 
• Per mow transactions 
Capital One Bank (USA), N.A. 
P.O. Box 71063 
Charlotte. NC 28272-1083 
EFTA00123832
4)2 
If 
Now can I Avoid Pain Interest Chime II you pay your statements Wen Odra,' in fdl by the due doe, we 
veil not charge yew on any new Kansas:ions the eon to the Pethase balance. If you lyre been ping your 
344031I III fat wth ro non charges, butenyou do not pay par ran lkwIldarce n tit we sell these merest 
on the peon ot the blame that you dd not pay. kr cash adunas and sped orders, we vall stst Arang 
merest on the Pena:ten date. 
Now is the WeroW,Qpnye append? Ottani duns aeons from the I) dais el the tramanion. II date the 
tmsathon a ecceued or II int cakrdar day al the tiling period. Winn chnes roue on every raid anon 
rol n a pad n full Ths means you nay owe intent &nes eyen ilia pay the entire 'Nes Patne one month, 
but dd nal do so lot the meets meth. Urpad interest charges are added to de mopes segment of your Account. 
Monier, we/nett the rght to rot assess meant chargesat arry 
Do you assess a Minimum Interest Chan) Yes. A tannin NITEROI CHARGE of $450 nil be assessed foe each 
Ming eyed year eccum a subject to an interest Char. 
Now do YOu SOIMIMiStSMMMShitra We the a onset aced Average DSO (melee (^doling new 
transathoral. Under sass meted. we to, cathAme par cagy bdrce; M cads segment I) isle the begiming balance 
and add in new trareasom and the peodc merest done on de piths; days balance. then 2) snow any 
payments and unfits Ice that segment as of the day. There'd, is the daft Wan Ice cads segrrem. HOATIt0 if you 
pad your preens months talent in full (or I put tulame van zero or aped, meant new InfttXtlan lebith post 
to put parthase cc speaal ptrthase signets se not added to the dah balances. Also. Prussians the ale subpa 
a grace pitied are not added to de duly balances. 
Nen, to fed Tour Average Daly (eance: 1) add the daily balances together fot each segment, and 1) diode the sun by 
the toothed deism the biting Eyck. 
Al the erdol each bling cyde. wedetente your Merest Charge as loIDAS: II aunty pour Average Daly Odense 
by de daily peendk sate %PRdiode:I by 36$) lot the segment. and II rrulody the teak by the norther of days n the 
blIng period. NOTE_ Oa to founding of a maim, interest Aug. tha catuloon may vary torn the burnt charge 
actualy assessed. 
Now cae my Yeriabk Ansel Percentage Rate Inge changet YoutAfil may incorase a decease based on one 
of de MMtirg reponed nelkes reported in The MO Sweet Samna. blind whets indet is used tot pit aura 
loot for a lean code on the front al tha simmem ran to dos AWOL Then And: the table bdoin 
[edema tofu 
MO New do we Soddy yaw APPIDM 
Index + magpie Isereviesnly dbdootd IC wth) When your ANDO 
wil MOM 
P 
L home Rath + mean 
3 mord, MCA o nage The first day al the klieg pads that 
end a Ian. 401, In, and Oct 
0 
f Prime Rath + megn 
1 month UOOR , mart Thelon Swot each 
etomn kilns ;nod. 
Are then AddationaLins associated with my exeunt) Yes, under dean cicumstances, you nay be assessed a 
tare or keened Paper, lee. YOJ rate aka be assessed Cradint fees 6 pealed by ben We resent the right to not 
343013 lets WOW prior Oct wthotn nong or rghi to assess a irolar fee len 
blew can I Avoid Membership fees  ? II a Porte:alNotice apimed on the hint of this statement you nal avoid 
paying an annual remise:Ilia the by conmaing Custom; Senn no mate than 45 days after de last day in the Whig 
ryde catered by the nemere to repst Wt we thee yes accort. To avoid paying a mon?: nerrterthip bee, 
coon Clemente Service spree to request that we dose your moult and we sit slop assessing your moot* 
nentenhp ley. 
Now can I rice Ltv miaow 7 YOU can contact Customer Senice armime to request that we dose pot acme% IL
the time, ikt I exaan any addb l steps to account 'bum indadirg Sara ow down dothu6on and amdres. 
What happens if my &mak insmsskell We may dose or suspend your account and put tight to obtain credit 
at any tree and lot any reason, even it you are not in defath. Account suspension can be pennartm a tempeaw 
your accoum is dosed or suspended you mast stop thing put unit card and account 2) creel al anemic 
payments. 3) destroy all credit dais and access duds, and Ii pay al amounts you one us. nen I they were charged 
eta theaccount was dosed a suspended. 
Now do I fate Payments AI arty tine. you may pat the maims owner; de total ,road balance, or any amoum 
N beaten. Payments nay he made in several nap: 
1)0nIne by going to aws.theiabne.com ardloggrq into par accort 
2) Telephone 11004e Response System by dein? 1 800955.7070 ard lotos(rgthevone prompts. When you nate a 
ph:etpayment though Mee:ice response spivs, you authority us to inoaee r ACM or demotic payment that wit 
be debited Item your bark scam funds nay be wthdthen horn you, bank account as soon as the sane day we 
process par payment: 
3Pfeting our telephone enrollee 1.500.955-7070ard pthodng your nlomuaonto our necessity% 
1)Prymercs by mat thou)! be sent to them:ling address wooded on thetenonpoen ol tha statement. 
Changing Address? 
Address  
Home Phone  
Alternate Phone  
E-mail 
Address  
Please print address or phone number above using blue or black ink VAwn will you Credit Milani 
foe canine oe per the phone as of the buttressday we recent it, as long as they are made by 8 pm.ET. 
foe mailed payments, as al the hotness day we Rai. t it as long as: I) you send the boilon portion al this 
statement and deck to the payment adtess on the from al tha siennem and 13yos payment a 'coined in our 
massing centers by 5 pm. lord first Heath allow alma I?) businessdap for nal &Orrery. Wedamen:5 
netted by us at arty Oder Ixation or in arty Oder born may not be credted as of de clay we receive due. 
DO yOu PrOten Peer Clatdd as an fiffleliklemiLlymmike Owen:nu veil be ptocesud n we of two 
ways: When you monde a check or deck irionnsion to mate a payment. you authorize to Ce ow agents to use the 
intension to make a one time A01 IMMO:100 or Eder <korona turd transfer from put deposemecum. Wk may 
also use the intension to motels the parrem as a check :mutton. 
What N I Mi Tor Danbcdoe II you ye ended to barkntry crotethoo this corm/odor is for Menem 
only. h a not an sleep to colect assess or nom a debt or dam. Do rot send us payments wither speatng wnh 
your tuntruptcy aliens or the Partway Coat f you or pis aliens wouth Ike to twin Da ballruptry thins 
tenon directly. please meta Caput One 10 Roe 30285 Sall Wu City, UT 84130.0385 
MIND OPTS SUMMARY (Goes Not Apply to Small Rumen Accounts) 
What To Do If You Think You Sind A Mistake Oa Your Statoweat II you dint dere is an arc as your 
SISCITtfltAllt m a al: 
Card Ore 
P.O. Dec 30185 
Sat LaleCins UT 84B00285 
In Toilette, gise us the folevang Information: 
Account alternation:  505 sane and scant amber. 
Ddluattated: The dotar mart al the suspected 0101. 
Clescriztion of Purim: lips thnt these is an ere on you bit dnathe what you Mere is smog rd why you 
Wine t is a =tate. 
You must wawa us within 60 dr/salter decry appeared an you; siserrem. 
You must notify to of any peered entrain writing, You nay call us or natty us dessoncaly. be I you don art 
not maned to investigate any poiental tITCC1ardsu may hate to pay the arroum n question. We sell naafi you 
013.1131:0 Phil 30 days d or PIMP Oi ion Icon. 
Whk we metopewhether cc not thee has been an end, the loloning are nee: 
We cannot try to Erika the amount n question, ot remit you as dein:pert cn that amount 
The charge in piton may Ninon on nos statement and we nay continue to these sou most on that arncum. 
Out if ne designee that we made a nova:, you ail not have to pay the anoure in question oe arty merest ot 
lees related to that amcant. 
Wide you do rot have to pay de =cant in thence will we send you a name about the anion of ow 
imeinsion, you art responsible lot de remanded )0111 balance. 
We Es apply any unpaid =cum agansi your coedit Irak. 
Wain 90 days ol our nem of your kner, we wit serd you a wen nem aptarog ethe 1,131 are calmed the 
error ho appear on you, nett statement) oe the IC3WIS are Mine the bill is caret 
Your ItMMS N You ode DissaIsSed With Yom Credit Ceed Purchases. II you se dssaiMed Athely goods 
notes dal you hay pschased wth you credit cad. and you lute reed in good kith to worn theproblem will 
the reicher, you nal have the me rot to pay the rtmanng 317COrt 4130 on the cordon To Use this rigIt. the 
(003409 must be true: 
1) You must have used nos aedt card fa the ponhase. Purchases node Ph cash adrarces from an ATM a oath a 
check that acmes yon cede card account do not quaff; and 
1) You met not pt hare fully pad lot the purchase. 
0 all d the antra these are net and pro alt. stif dinmeded with the purchash tonal us 11 044D33I: 
Cacitti Ore 
P.O. Dec 30285 
Sat Late ON. UT 81130.0185 
Whle we ingestion the sane mks apply to the deputed amount as chained atom Ate; we Inn DX 
investigatoe we wit sell you cm deason. Ai that pont we think you me an amount and you do not pay we may 
repet you as ddnquent. 
Capital One supports in./amnion piney protection. see our websirea, aveaccrimloneuns 
0 2014 Capeal One. Capital One is a 'death regimen sews net MI rights merged. 
ETC.08 
II/34'14 
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), NA. 
and mail with this payment slip. 
• Don't staple or paper dip 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
CapitalOne Pa 2 of 2 
Customer Service 
www.capitalone.com 
Platinum MasterCard 
NEW BALANCE 
Ill $87.72 
Previous Balance 
$214.74 MINIMUM PAYMENT 
$25.00 
Payments and Credits Account ending hal 
DUEDATE 
Feb12,2015 
$150.00 Dec. 16 - Mn. 15, 2015 31 Days in Billing Cyde
 ] 
Fees and Interest Cha ed Credit Limit $200.00 
Available Credit $112.28 
Cash Advance Credit Limit: $100.00 
Available Credit for Cash Advances: $100.00 
Transactions 
$0.00 New Balance 
$87.72 
TRANSACTIONS CONTINUED 
TOTALS YEAR TO DATE 
Total Fees This Year $19.00 
Total Interest This Year $3.98 
You were assessed a past due fee because your minimum payment was not received by 
the due date. To avoid this fee in the future, we recommend that you allow at least 7 
business days km your minimum payment to mach Capital One. 
EFTA00123834
CapitalOne Paget of 3 
aislomer Service 
WWW.CapdaiOne.tOm 
Platinum MasterCard 
NBV8ALANCE 
$93.18 MINIMUM PAYMENT 
$25.00 
vt;••• 
PtFASE PAY AT tag TiMmaNnit Account ending in • 
DUEDATE 
Mar 12, 2015 
Credit Limit $200.00 Cash Advance Credit Limit $100.00 
Available Credit: SI 06.82 Available Credit for Cash Advances: S100.00 
Previous Balance 
$87.12 j — Jan. 16 - Feb. 15, 2015 31 Days in Biting Cyde
 1 
MINIMUM PAYMENT WARNING: Nyco rode celytherrwirrurnpomyteachpeiod.Th 
MI pay rue itemslard t tike you ionrierb pay citpxr tcirce. ForexaVe: 
Payment Amount Each Period It No Approximate Time to Pay ON Estimated 
Additional Charges Am Made Statement Balance Total Cost 
lArrimPamet 5 Mom* Ste 
Ilyou maid Ike thrrarm abo.r. CfeCtl ccuiscrig scotes, cal IIMB 
LATE PAYMENT WARNING: rwedo not resat yourrintrun ammonite yarduecMa. 
Au trey have to pay a La Sae chp m SI91Xt 
Payments and Credits Fees and Interest Charged 
S50.00 $2.63 + Transactions 
552.83 
New York residents may contact the New York State Department of financial Services to 
obtain a comparative listing of aedit card rates, fees, and race Sods. Contact the 
New YorkState Department of Financial Services: or www.dfs.ny.gov. 
Renewal Notice Your 03/2015 til vii indude your $29.00 amual membership fee. 
The reverse of this page explains how you may dose your account and avoid this fee. 
Both sides of this page provide important information about your rates) and how your 
interest charge is calculated. 
TRANSACTIONS 
PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILUAMS 
1 12 FEB Cap 1 ElectromcPhonePrmAuthDate I 2.tE8 (150.00) 
TRANSACTIONS FOR PIIIWP I WILLIAMS 
1 14 JAN 7-ELEVEN 274548FLOOKLYNNY $2.82 
2 14 JAN SUNOCO 0007155517BROOKLYNNY $30.00 
3 15 JAN QUEENS BL FILL If WQ39LONG ISLAND CNY S20.01 
Total for Phillip I Williams $5283 
► TilaiTransactonslhisPelod ass 
L Transactions continue on page 2 
Due Date New Balance 
+ MORE 
Credit cards are only part 
of the equation. 393.18 
Learn about all the ways we can serve your needs at 
capitalone.com. 3000IO-C 1 
INTEREST CHARGE CALCULATION 
Your Annual Percentage Rate (APR) is the annual interest rate on your account. 
Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate 
Purchases 22.90% P 5135.02 S2.63 
Cash Advances 24.90% P S0.00 S0.00 
P,L,D,F = Variable Rate. See reverse of page 1 for details 
PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 
1 
Account ending in 
New Balance Minimum Payment Amount Enclosed 
Mar12,2015 K $93.18 )C $25.00 Y 
PLEASE PAY AT LEAST 
THIS AMOUNT 
PHILLIP I WILLIAMS 
BROOKLYN, NY 11234-4029 
IrrrrllllllrlllrllrllrlllllllelrslllllllllllrlrlllrllllrII 111111ENJOY 24/7 ACCESS TO YOUR ACCOUNT 
-og in and renege your account online at weocaptolone cam 
• Poi bees 
• Crock your belant• 
• F trantaCtsn 
Capital One Bank (USA). N.A. 
P.O. Box 71063 
Charlotte. NC 28272-1083 
Odd' I 
EFTA00123835
WI 
IS 
Now cm I Avoid Puha Interest Chime II you pay your statements Wen Ildaue in fdl by the due date, we 
tell not charge rend on any new tralsaMons that pod to the Pschase balance. If you lyre been ping you, 
344031I VI fat wth roomiest charges, butenyou do not pay an ran lkw Sine n Tit we sell Marge awed 
on the peon of the blame that you dd not pay. kr cash arinnas and 'cocci earths's, we vall stxt dwgrq 
merest on the Panto:Inn date. 
Now is the WeroW,Qpne append? lamest charges aeon from the I) date el the trarantion. II date the 
urnavon a occessed or l) int cakrdar day al the tiling period. hong doges moue on every tread anon 
trot n a pad n kit Ths means you nay owe almost dwges teen ilycu pay the entire sees Patne one north, 
but dd nal do so lot the famous month. Urpad interest charges are added to de wows segment of your Account. 
Nome:, we come the rght to rot assess meant charges at any 
Do yoe assess a Minimum Interest throe) Yes. A rrinroun INTEREST ClIOAGE of $450 nil be assessed foe each 
tiling rend year acccum a subject to an MOIR 4,137. 
NOW do you SONSININISIffilliNne NO the a netted pled Overeat DSO (melte fedolire new 
twaszoral. Urdu ths meted. we to, cab,late pr.r cagy bdrce; be cads segment Duke the begimirg bdance 
and add in new trareactom ed the pada merest those on de mama days bdance. then 2) subtract any 
payments and credits Ice that segment as of Ns day. Theretch is the daft Wan be cads segrrem. NOATIt0 if you 
pad your werous months talent in full (orty:0i tulawe was rem or aced, most new InfttXtlan lebith past 
to wow yr.rchase or peal pothase segnaus se ace added to the doily balances. Also. vamosions that ale subfra 
a grace period are not added to de dairy balances. 
Nen, to fed Tour Average Daly ()deice: 1) add the daily balances together fat each serest, and 1) diode the sue by 
the mother of deism the bang Eyck. 
Al dlt erdol each bling cyde. we determre your In Charge as bobcats: II nubbly pour Average Daly Odense 
by de daily pendk sate t&PRdiodai by DM) lot that segment. and 1I trulody the man by the number of days a the 
bring period. NOTE_ Due to tourdirg or a ninroun amerce those. tha catuloon may vary torn the burnt charge 
actualy assessed. 
Now Ca my Yeriabk Ansel encentacre Rate API) changet Yew AM may incited Ce decant based on we 
of de bawing reponed adios Imported in The MO Snot! Samna. To lird whets indet is used tot pis aura 
loot for a lean cock onthefront al this staumem ma to an AW0L Then abed the table bdoin 
Code nen to yow 
APO New do we debate yew MANN 
Index + metals' larevkatily dbdOWO IC you) When your *981st 
wil duns< 
P 
L flame Ram + maqn 
3 morel MCA o oaten The first day al the klieg woods that 
end a Ian. Noel July, and Oct 
0 
f Prime Ram + margn 
I moth UOOR , lona Melva day al rod 
vomit)! Lang ;nod. 
Are then AdifttioaaLleet associated with my account/ Yes, under detail cicumstances, you nay be assessed a 
Late or Returned hymn lee. YOJ rate aka be assessed [ratline fees 6 pandled by bet We anent the right to not 
asses lets WOW with Oct wthotn tearing on rghi I0 341014 a irolar fee lom. 
New can I Avoid Membership fees  ? If a Porte:alNotice is yarned on the hint of this statement, you nal avoid 
paying an annual anise:hie fee by contacting Custom; Senn no name than 15 days after de ha day in the Whig 
ryde catered by the ammert to request dui we doe yes accost To avoid paying a north?: rterrterthip bee, 
comes Gomm( Service spree to request that we dose your mots* and we sit slop assessing your month): 
nentenhp lee. 
Nor on I rinse It. &mum 7 YOU can comas Customer knice ermine to request that wedose )cat acconnt. 
eve time, AO I rxdan road:Yaquistepsto account datum indadirg balance ow dons domo6on and tithe. 
What happens if my damaillaspesskell We may dose ot suspend your account and put dght to obtain credit 
at any tree and lot any reason, even al you are not in defalt. Account suspension can be pennartm a temporaw 
your accoum is don or suspended you oast I) stop wing put cede card and account 2) creel al nornatic 
payments. 3) destroy all credit cods and access thecb, and N pay al anions you one us. nen Idle, were charged 
eta the scant was dosed a suspended. 
Now do I kealte Payments7  AI any tine. you may pat the maims owner; de total taped halence, or any amoum 
n berme Payments nay he made in several reap: 
1)Calne by going to aws.myriabne.com ardloggrq into yosaactuth 
2) ides:bore 11004e Response System by dein? 1 800955.7070 ard kios(rgehevoa prompts. When you rode a 
phone portonUri:Ugh al voice response spiv; you authority us to inoate r ACM CO tICOICIlk payment that sell 
be debited Item your bark scum funds !my be wthdtaan how you, bark account as soon as the sane day we 
process yon payment: 
3)Catirg our telephone ranter 1.9.10.955-7070ard pmadng your nlomution ea our transmute% 
• Ozyrrerts by coal should be sent to them:ling address wooded on thetenonpanic° al tha statement. 
Changing Address? 
Address  
Home Phone  
Alternate Phone  
E-mail 
Address  
Please print address or phone number above using blue or black ink Yawn will you Credit Milani 
foe onine oe per the Wont as tithe buttress day we recent it as long as they are made by 8 pm.ET. 
foe mailed payments, as al the hotness day we Rai.eat as long as: I) you send theboson portion al this 
statement rd deck to the payment adthess on the from al tha statement rd 13yos payment a remised in out 
wocessag centers by 5 pm. local first Troy Sloe at lent I7) Miress days for nal &Orrery. Wedamen:5 
netted by us at arty Oder boat= or a arty Oder born may not been:dm:las of de clay we receivedunk 
DO yOu Proven Peer Canis as an iJanlateriblimili? hymn wit be peocested h we of two 
ways: When you woade a dud or deck irionnsion to mate a payment. you authorize us Ce ow agents to use the 
iricension to make a one time A01 .mason or ether <korona turd transfer Icon no deposeaccount Wk may 
also use the intension to poems the parrem as a check urnecton. 
What a I Mi foe Danbandoe II you ye crated to barkmatcy octeaiork this corrmsoution is for daemon 
only. h a not al =ems to coiled. assess or nom a debt or dam. Do rot send us payments whoa speatng wnh 
your tuntruptcy anon., oe the Outdo) Coat irtl or pis anon., woud Ike to comas Da baltruptry dons 
tenon directly. please C03410: Capul One 10 Roe 30285 Sall Wu CM, UT 84130.0285 
MIND AIGNTS SUMMARY (Goes Not Apply to Seam thwness Accounes) 
What To Do If You Think You Sind A Mistake Oa Your Statoweat II you that dere is an ante at you: 
SIStITOMOITIO m w al: 
'LISS Ore 
P.O. Dec 30185 
SalthaleCin , UT 84B00285 
In yens tenet gise us the fylevang alternation: 
Account tdormaion:  505 sane and acting amber. 
Ddluattautd: The dotar mart al the suspected COOL 
Oescriztion of hotlem: It you mhnt there is an ern on lot bit *lobe what you Mere is snag ad why you 
belie e a is a maid& 
You must mama us within 60 dorsalto deems appeared al you; staterrem. 
You must notify to of any petered errors in aritirg, You way call us or natty us deasoncaly. bet f you don art 
not mond to investigate any potential tITCC1ardsu may haw to pay the arroum n question. We sell notify you 
013ItINNO Main 30 days dot PIMP of ion Icon. 
Whk we metopewhether or not thew has been an mm, the teleran? are nue: 
We cannot try to cotta the amount a question, ot repot you as deirmerecn that amount. 
The charge a theston may union on ps statement and we nay conirrue to (hugeyou must on that arncum. 
Out if ere designee that sty more a rood:, you ail not ham to pay the anourt inquest= oe arry merest ot ohm 
fees related to that amosu. 
Wide you do rat have to pay de mewl in qt.estee will we send you a mace about the anon of ow 
imeingsion, you art responsible kr de remanded yaw balance. 
We cal ma* myunpaida:mum agansi your coedit Irak 
When 90 days ol our new of your knee, we w11 serd you a Adam nem aptrog oho than Ike calmed the 
error ho appear on your not statement) oe the noon O. Leine the bill is cared. 
Your MOTS N You An DissaIsSed With Yew Credit Gaol Purchases. II you se dssaiMed Athely goods ot 
notes this Sou hate pschased with loo credit cad. *Id you hate mid in good kith to coned the problem wth 
the merchant you nal bait the me rot to pay the rtmanng amount 4130 on the cordon To Use 00 rigle. IN 
(003409 must be me: 
1) You must Rae used aosaedt card fa the yorthase. Purchases node aith cash adrames from an ATM a oath a 
check that accesses vow cede card account do not quaff; ad 
2) You mad not at hare fully pad lot the purchase 
0 did the criteria abase are net and loo alt.sut diomeded with the purchase, tented us 11004D33I:
Cacitti Ore 
P.O. Dec 30285 
Sat Late CO. NIT 81130-0185 
Wile we Mistime the sane mks apply to de dawned amcum as doomed atom Ate; we faith at 
investigator,. we tell sell you on diatom Ai that pont i we think you axe an amount and you do not pay we may 
repot you as ddnquent. 
Capital One supports irionnsion Many prtnection see our webtirea, avers.capitalone.cono 
0 2014 Captal One. Capital One is a Ideal,/ registered sever nail MI mks mend. 
(TC.08 
11/34'14 
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), NA. 
and mail with this payment slip. 
• Don't staple or paper dip 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
Capita One.Pa e 2 of 3 
Customer Smite 
www.capitalone.com 
Platinum MasterCard 
NE? BALANCE 
$9318 MINIMUM PAYMENT 
Ea® Account ending In 
DUEDATE 
Mar 12, 2015 
Previous Balance 
$87.72 ) Jan. 16 - Feb. 15, 2015 31 Days in Billing Cyde 
Credit Limit S200.00 
Available Credit S106.82 
Cash Advance Credit Umit S100.00 
Available Credit for Cash Advances: S100.00 
Payments and Credits Fees and Interest Cha ed 
550.00 Transactions 
Th
$52.83 New Balance 
$93.18 
TRANSACTIONS CONTINUED 
FEES 
Total fees TM Period 
INTEREST CHARGED 
INTEREST CHARGE:PURCHASES 
Total Interest This Period 
TOTALS YEAR TO DATE 
Total fees This Year 
Total Interest This Year $0.00 
S2.63 
S2.63 
S19.00 
S6.61 
EFTA00123837
ENROLL IN ONLINE BANKING 
TO STAY ON TOP OF YOUR FINANCES Did you know Capital One Online Banking offers a range of financial tools right at your fingertips? From 
monitoring your credit score, to enhanced security measures, and more—you'll enjoy convenient benefits all 
year round (including when you need them most, like tax time). 
VIEW STATEMENT HISTORY 
Keep tabs on all your transactions with access to up to four years of statements, 
which comes in handy during tax season. 
CAPITAL ONE CREDIT TRACKER* 
Get 100% free unlimited access to your monthly credit score, a what-if simulator to 
see how your actions could affect your credit score, and other tools that will help you 
understand your credit score. 
ENHANCED TRANSACTIONS 
Keep an eye on your account by seeing the merchant name, logo, address, phone 
number, and even a map (if available) so you'll know exactly where you made 
that purchase. 
INTERACTIVE FRAUD ALERTS 
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that you can respond to instantly. Enroll in online banking and you'll get a text, email, 
and if you don't respond, a phone call. 
To receive these and other great benefits, please make sure your preferred email address 
and other contact information is up to date. 
Enroll now at capitalone.com/enrollnow 
*Currently not available to Spark customers or retail partner cards. 
EFTA00123838
EFTA00123839
(:;31741.31012 t,Page 1 of 2 
Customer Service 
www.capdaione.COm 
Platinum MasterCard 
YEW BALANCE 
5155.76 
Credit Limit 5200.00 
Available Credit: 544.24 
Previous Balance 
$93.18 MINIMUM PAYMENT 
525.00 
PLEASE PAY AT LEAST TH6 MOM Account ending in 
DUE DATE 
Apr 12, 2015 
Cash Advance Credit Umit $100.00 
Available Credit for Cash Advances: $44.24 
Payments and Credits 
558.00 jFeb. 16 - Mar. 15, 2015 28 Days in Billing Cyde
 1 
MINIMUM PAYMENT WANING: Il)nomde ody to mrirrornpromyleachpeiod. mu 
MI pay rue in itemslard nil oda yau bnperb pay oT )os tdaice. Foram, e: 
Payment Amount Each Period It No Approximate Time to Pay Off Estimated 
Additional Charges Are Made Statement Balance Total Cost 
lArirrun Parra 8McetTs:. $160 
gyarlOOLO lie inbiratcn aboicrAt cars•Nrg sevces. Lai IMEMI 
LATE PAYMENT WARNING: Cram nct rmene )cm- num un papa/ Ey woad*. 
Ku may tow z pay a tie ke ohaa to $I9C0 
Fees and Interest Charged 
550.52 
+ Transactions 
$70.06 
1New Balance 
5155.76 
1 
New York residents may contact the New York State Department of Anancial Services to 
obtain a comparative listing of aedit card rates, fees, and race 
New York State Department of Finandal Services: rods. Contact the 
or www.dfs.ny.gov. 
TRANSACTIONS 
PAYMENTS, CREDITS & ADJUSTMENTS FOR PHILLIP I WILLIAMS 
1 13 MAR Cap 1 ElecPhonePrnt VRUAuthDate 12-MAR (1.50.00/ 
2 14 MAR MEMBERSHIP FEE CREDIT (58.00) 
TRANSACTIONS FOR PHILLIP I WILLIAMS 
1 13 FEB SUNOCO 0007155511BROOKLYNNY $25.00 
1 24 FEB SUNOCO 0007155517BROOKLYNNY $25.05 
3 25 FEB SUNOCO 0001155517BROOKLYNNY 520.01 
Total for Philip I Williams- $70.06 
► ToialTrawarabnallisPelod $70.06 
FEES 
Transactions continue on page 2 
Due Date Don't understand 
credit? 
That's because you've never 
had a teacher like this: 
capitalone.comflinanclaleducation 
Check it out on your schedule, 24/7. 
3000I4-C 
INTEREST CHARGE CALCULATION 
Your Annual Percentage Rate (APR) is the annual interest rate on your account. 
Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate 
Purchases 
Cash Advances 21.90% P 
 14.90% P 5143.35 
$0.00 $2.52 
$0.00 
P,L,D,F = Variable Rate. See reverse of page 1 for details 
PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVVVW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 
Apr12,2015 1 
Account ending in 
New Balance Minimum Payment Amount Enclosed 
$155.76 )6 $25.00 )( 
PLEASE PAY AT LEAST 
THIS AMOUNT 
PHILLIP I WILLIAMS 
BROOKLYN, NY 11234-4029 
11111 d111111n11i11111111111111'111'11111"1111111,1111' 111111 ENJOY 24/7 ACCESS TO YOUR ACCOUNT -og in and manage your account amine at wacaptalone cam 
• Pay begs • Crack your If elaot• 
• F yrmit turntable'', 
Capital One Bank (USA). N.A. 
P.O. Box 71063 
Charlotte, NC 28272-1083 
EFTA00123840
ml 
IS 
Newid0111flastittenaammt IV:0 OM Your 'weren't hes Balance in NI bY ftdmdale. we mil 
rat charge you merest on arti row Parse:tom Mx post to the purchase serum . Ira hate been mum your 
accost in kitnthno Interest Charges. btt then you do not per par ma Hew [glance in kit newt charge inerest 
al the moon al Pe balance Mal you dd rat pay. For Cash !dunces and Special Transfers, we ail start durgng 
Invest al the Prise:eon date (titan prone:end dies may aloe you to pas less Mai the told NCYI (Maur end 
avad prointerest Charges on new eschews. Rase icier tote lent d par exernem kr addooral nfomMon 
yew k the Interest Charm meired? !merest Charges accrue from Medan of the MITMIIINNI or the Iry day al the 
burg Cycle. Kent Chalets max on Nay tread aneurt Jail t is pad n ball This mum pa may owe newest 
Chalets men it you pay the entre hew (Vance kr ore Wing Cwk. but did not do so the pencras Piing Cyde 
Urpad If St/ClIChItge. Wead:led to the coremondng 'tonere dycur scant. 
Do you arms a Minimum Intense Charnel We may assess a mermen bans Change d 1010 be each Piing 
Cycle [your mount a subject to an !feet's, Charge. 
Haw do you C$Sa(o Po InteNSI Charge We me a net cal abed Ayerme Daily Odour Inchdirg new 
IMISYSCI* 
I. int lee bath segrrem we uke the begreirg balance bath day ard at in new mansamom ard theaerobe 
'Ito:est Change on the preliOUS dais balance Den wesebum' any parents ard omits for Mx tercet al CI 
that day. Tie result is the daly batarce ix each segment. However. [your prescus stnerrert balance vas zero 
ct a Mill an," ntYI narortens and post to your purchase segnert are COI %US 03 the daly bdarce. 
2. Neu. kr each segmentwe add the dary [glances together and chide the sum by tie manta ol days in Pe 
&ling Cyde. The Haub 6 theMenge Daily Wince for bads segment 
3, At the end dead) Riling Cycle, ism rruludy your Average Daly Babree kr cath segment try the dais pericdc axe 
(AM &Med by 3651 kr that segment and then we mutely the result by the rumba days it the Biting Cycle. 
We add the new Charges kr all wrens together. De result is pot laid Imexst Charge los the Biting Cyde. 
M)TE: Cuero rourdirg or amnia= tritest Charge. Ms 'daimonmar vs, stoat bum the Merest Charge actually 
assessed. 
yew tan my Vadalik AM thane Your AM may name ea decease based on one ed dse klbwng reported 
ndoces (reported in the WOMAN. Named. To Ind nisi:hint( a used Ica mar axon. lock kr a Meer cook on 
the bond this Hamm nee to pus APPAL Then chedc the &Michela.: 
Codenal to yom 
AIM New do we Sedate your APth33 
Index a margin Iparrommly dbdOted to you) When your APMs) 
wa change 
P 
L Prime Rote 4 margin 
3 mord+ LIBOR-. ear The rust day al Pe Piing Cwt.' that 
end in Ian. Mot July, ard On. 
0 
F Prime Rare 4 margin 
I monh DIOR* etami The run day al huh Biting Cyde. 
NOW can I Avoid Membership Fees?  II aRepentNotice is primed on the lent of this statement pa nay avoid 
ammo en anal memteshp fee by contanng CUSICaltf Sonia no WV Oil AS days dm the tut day a the Wing 
Cycle catered by this statement to request the see dose pal mecum. To moil payng a =Mr menbenhip lee, 
close you account ard we will um assessing your mortNy membenhp lee. 
liesuumilkiseituAcomolL You can contact <WOO., Strike aniline to westthat use dose mar =curt 
Iftw do I Make Pamentil  You may male your parem n several vow 
I. Onlneard loggirgimo your man 
2. Caput One Mobile Ranting mplor mproini &enteric devixs; 
3. Telephore Voce Peso:nuSystem by daing the *Icebox reenter toted on theWu ed Pis staterrem and 
felbrang the voce prompts 
Caling the teleplene meter lands the from el tin stamen and provdirg your irk.rmanon to our 
representatree: 
Changing Address? 
Address  
Home Phone  
Alternate Phone  
E-mail 
Address  
Please print address or phone number above using blue or black ink. 5. Sending mail payrrems so the address on the tont al his seamed silk the payment coupon or yow 
accost inknnaton. 
How do you Process hymeneal  When you make a payment you authcrae us to incest an ACM or elecnonc 
payment that %ill be debts from par bankaccount or other related aoeourt Mum you preside a &Scathed 
idcenarpn tO Mlle a Pa'rell. you auttneire us lo use /daemon ton the check to mama onetime ACM aahet 
deascnc :undo from now bank =curt We nay abe process k as a check varnaction, funds nay be wtheiraorn 
from your bark .ICCOUft as soon as the same dm Mt MOMS your pvinert. 
You Credit My Panned 
for =kik. Viet 01 an the plume, mot the busness day we mew it as long as they are made by B pa ET. 
for mailed parents, as al the business day we recent.% as king as you serd the boom por6onol this 
mere* rd your check ea de wren address on the front d Iha statement. Please atm at least (7) busiress 
dap ice may delsery. Maled par enn /meted by us al arty ahem location or corn n any other form nay not 
be aedted as el the day we re:errethen. 
Now do you Apciv My Payment/ Wegerm:0r mpar parents ram your ikons, buret int to the balance 
with the lowest APR firCIAirg Ole AHD. and then to balances with hula APRs. De apply any pan d mar payment 
ecxedirg yogi/Amman harem to the tulrcevrrh the highest API( and thence bdaras withMeer APRs. 
Idling Rights Summary Oboes not AgatoSmall Business AccouMs) 
What To Do II You Think You find A Mistake Oa YOur Mgestat II you dint Pere is an snot on your 
%Lucent voile to to a 
Capital One P.O. Bat 30285 Sat Late Ces..01 841300165 
In yeas Inn, gise us the folowng 31101frali"1: 
Accourt nlormation: Yes rarre and actor, runt., 
COI/ anoram: The dela• most el the sinmeted 0107. 
0440j:60hof Plotkin: ti you dint duo n an erix on now bit *sok what you bdere is menu and why you 
beim it is a mates, You 'WS: COMIC m wthin 60 days are the error appeared on your statement. You nun 
11011). elf 01 ant potential errors n vanirg. You nay call us or neat, us elearoncdis, bat it you do see are not 
reaMed to inteseguie my petered eves and you may hare to pm the arrourt in wanton. We will nobly ma in 
wring wihin 30 days dour wept al mar beet Whir we in...slimy nintier or not there has been en trt0/, the 
tolonirg are Rue: 
WO Ulna( tIflOcolect the anourt n clamor. a report you as &Invert on Put most the drag n wanton 
may wean on your statement and we may torero< to 0,319t painted cn that =WM. Eht. ewe determine INt 
we ma a nage you wit net hme to pay the amaum a question or any merest a otter lees related to that 
arrears. 
Wilk you do rot have to pay Pe mart in meston anal we send you a mace atom the mume d our 
bemoan:tort 'wareemu:amble kr Pe overdue( your Cadence. 
We can bmk any armed arroum aginst your credit km nothn 90 dogs dam wept ol your lene newts tend 
ma a nom notice embnirg ether that we careered the MCI (:14;9401 on Pt, nett SUIMMII0 a the Hug",we kitty tie bilis coned 
Your Rights NYeu Are Dissatisfied WithTour Purchase: II pun climate/red with Me goods or senses Maim 
hag exhalednthWar Maid am. and pa hag wed in good lath to coned the modem with the merchant you 
may hue the rgM not to par the renaming amount dues Pe narthex. To use Me rght the foloeirg mere be 
INC 
II you ran Km used nos adt card fa the purchase. Purchases nada with cash adorers tom an ATM a wth a 
check that accessesyour creek card am:rando not quails; end 
2) You ma not yet hateful), pad for the purchaw 
II di of the atttril those are net and you are sal dinatided with the purchase, cornea us 41 wvergac
Caps One P.O.Ber 30285 Sat Late City. UT 841300785 
Wilk se intesiguit the sane min apply to Pe damned amour as chained atom Ater we Inds our 
ineestigatat se Ail sell pa me dmison. At that pont [we thirk you we an amour and you do not pay we my 
reps you as delnquenl. 
CA 2015 Capital One. Capital One is a kderally mooted score mark. 
ETC.OB 
01011,5 
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
Capital ((1 Pa e 2 of 2 
Customer Service 
www.capitalone.com 
Platinum MasterCard 
NEW BALANCE 
$155.76 MINIMUM PAYMENT 
$2100 Account ending Ina 
DUEDATE 
Apr 12,2015 
Previous Balance 
$93.18 Feb.16 - Mar. IS, 2015 28 Days in Billing Cyde
 ] 
Credit Limit S200.00 
Available Credit $44.24 
Cash Advance Credit Umit S100.00 
Available Credit for Cash Advances: $44.24 
Payments and Credits Fees and Interest Cha ed Transactions New Balance 
558.00 S70.06 -1 
 -/ $155.76 
TRANSACTIONS CONTINUED 
FEES (CONTINUED) 
1 12 MAR PAST DUE FEE $19.00 
2 14 MAR CAPITAL ONE MEMBER FEE $29.00 
Total Fees TM Period $48.00 
INTEREST CHARGED 
INTEREST CHARGE:PURCHASES 52.52 
Total Interest This Period 52.52 
TOTALS YEAR TO DATE 
Total Fees This Year S59.00 
Total Interest This Year S9.13 
You were assessed a past due fee because your minimum payment was not received by 
the due date. To avoid this fee in the future, we recommend that you allow at least 7 
business days for your minimum payment to reach Capital One. 
EFTA00123842
Capitalaw Pagel of 2 
Customer Service 
www.capdalone.com 
Platinum MasterCard 
NEW BALANCE 
590.85 MINIMUM PAYMENT 
$25.00 
PtFASE PAY AT MilSr Tad AmOuNT Account ending in MI 
DUE DATE 
May 12, 2015 
Credit limit $200.00 
Available Credit: SI 09.15 
Previous Balance 
$155.76 Cash Advance Credit Umit $100.00 
Available Credit for Cash Advances: 5100.00 
Payments and Credits 
L S70.00 Mar. 16 - Apr.15,2015 31 Days in Billing 
Cyde1 
MINIMUM PAYMENT WAMANG: E)nunuleorytermrrunpelmateactipeiod. you 
MI pay rue in itemslaxl nil oda you Smut pay oT )os tcirce. Foraturoe: 
Payment Amount Each Period It No Approximate Time to Pay Off Estimated 
Additional Charges Are Made Statement Balance Total Cost 
lkinmPmenert 
Ilyou mid lienlymmon abused' cansamasenices.cai 
LATE PAYMENT WARNING: eneaonareceueyormnrunpareaboarduedge. 
)tu rray tem pay a tiered tom $I9C0 Wert* St6 
Fees and Interest Charged 
S2.77 
+ Transactions 
6232 New Balance 
S90.85 
New York residents may contact the New York State Department of financial Services to 
obtain a comparative listing of oedit card rates, tees, and race rinds. Contact 
New YorkState Department of Finandal Services: or www.dfs.ny.gov. the 
TRANSACTIONS 
PAYMENTS, CREDITS & ADJUSTMENTS FOR PHIWP I WIWAMS 
1 09 APR Cap I ElecPhonePmt VRUAuthDate 09•APR (S70.00) 
TRANSACTIONS FOR PHIWP I WIWAMS 
1 30 MAR FEOEXOFFICE 00003467NEVV YORKNY S0.15 
2 01 APR CVS/PliARMACY 0100868ROOKLYNW S2.17 
Total for PhMlp I Williams- 62.32 
Po Tool Transactions -This Period 52.32 
FEES 
INTEREST CHARGED 
LTransactions continue on page 2 
Due Date Total Fees This Period S0.00 It's easy to set up your 
FREE account alerts: 
First, "Log In" to Online Banking. Next, sign up by: 
1. Clicking "Messaging and Alerts" 
2. Clicking "Set Alerts" 
3. Choosing the free alerts you'd Ike to receive 
Your carrier may charge a fee for each ten message alert you receive. 
300007-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 Interest Charge Rate (APR) Interest Rate 
Purchases 22.90% P $142.53 
Cash Advances  24.90% P $0.00 
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. 
May 12,2015 1 
Account ending in -
New Balance Minimum Payment Amount Enclosed 
C $90.85 $25.00 
PHILLIP I WILLIAMS PLEASE PAY AT LEAST 
THIS AMOUNT 
BROOKLYN, NY 11234-4029 
II'IIIrllllll1llrrlllIrlullllllllrl'I'11111111' 1'1'1'11"I"1111 $2.77 
S0.00 
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. 
400322 
Capital One Bank (USA), N.A. 
P.O. Box 71063 
Charlotte. NC 28272-1083 
111111' I" i1111rlIhIlll11 IIII'I II' IIHHHIhhIllillllhllll
EFTA00123843
OM 
if 
How Can I Avoid Perrino Interest Canoes? II you pay your sudertna New Balance in MI the dm dates 
we oil not chage you imeest on aro new transactions that post to the purchase segment . B you have been 
paying four account in lull with no Interest Charges. but then you do not pay your next New Wade in full we will 
charge recent on the paten of the balance that you did not pay. For Cash Maas and Special Wanders, we 
w0 scom Among Interest Co the tornado, ate. Celan praratml others may allow you to pay kw than the 
total New (Mance and mod papng Intent Charges on new purchases. Please refer to the front of your StattMent 
10f ad:Wont inlormateer. 
Now is the Interest Charge ensled? Interest Charges accrue from the date of the transact 0r Me ant dry of 
the Ming Cycle. Interest Gorges accrue on entry traced amount unit his pad in full. This means you may oat 
Interest Gorges men dyou pay the entire Nett Balance tor ore klieg Cycle. bit did not do so the ptetiOui Biting 
Cyde. Unpaid Interest ChoweS are added to the COrteicarding segment ayar attest. 
Do you assess a Minimum Interest Ceara,? We may assess a Monson, Interest Charge of $050 tar each 
BlIrg Cyde if your account is subject Wan IntereStChowe. 
Hew dojos( Calculate the Interest Charges We use a fretted cated Average Daily Balance Oncludirg new 
innsan• 
I. NU, 101 each segmere we tthe the beganing balance each day and add n new tgattMCOMM and the 
pteside IMMO Charge on the piteous days balance. Then we wimp any payments and medts for that 
segment as d that day. The fall is the daily balance fa each secant However, d your waren 
statement balance MS 1M0 a a Credit amount, new trhaaSoni Mehl:W10 your peChade segment are 
not added to the dal), balance. 
2. MIAMI eathsegmet. we add the daily balances together and diside the sun by the renter of days in 
the tilling Cycle. Ire result 66e Menage Daly %Luxe 101 earth segmtre. 
3. At the end of each Oiling Cycle, we mann* your Merage Daly &dant. (ci each seven, byte daly 
pertdit rate (APR dialled by 365)fer that segment, and then we muliply the result by the number of days 
n the Biting Cycle. AU add the HMO Charges log all 'trims together. The result is your mannered 
Charge fa the Biting Cyde. 
NOTE: Due to rounding or a Miateme, Interest Charge. this cakulatica may vary slgar tram the Interest Charge 
eau* assessed. 
How can my Veda* APR Mame?  Your APR may increase or decrease based on one of the folbaing reported 
Sees (reported Cr The Wall Street Journal). bind aids index is used tar your ace," look fa a lean code 
on their:ace/01s statement men to yds/Wrest then there theatrebelow: 
Code neat to your 
NW) How do we calculate your APR%) 
Indes + margin (previously disclosed to 
you) When yew APHIS) 
will change 
P 
L Prim Rate + °Inn 
3 mooch LIBOR + raters The frst day of the Ming Cycles that 
and in Ian, Apt lure and Oa. 
0 
F POT* Rate + outgo 
I nreath LIBOR + (Arun The lady/of each Biting Cyde 
How tan I Avoid Washers* Fowl I a Renewal Woe 6 gated cn the tax of 1h6 %team you may 
avoid paying an actual membership fee by coaxing CuStAllel %stk.noWm than 45 days after et last day in 
the BlIng Cycle covered by Ors statement to request that we arse you account. 10 toad meg a monthly 
membership Fee, dose your account, and we wit stop assessing your inertly aerobe-5hp Fee. 
Dow tan I MOM My MCOMotta You can contact Customer %We arqdme to request that we dose yost 
moora 
How do I Make Pummels?  You may mate you 0.ayMert 0 several ways: 
I. Onine and kwgng into jour account 
2. Capital One Mobile Banking app for apt:toted electronic derma 
3. Telephone Voice RespOrdeSgan by dialing the telephone fultel 16ted CO the barn of the Statement arid 
loloareg the sae Foram 
4. kiting the tekpaone renter lad on the franc Mem staterentandpthidrg yos informationtoour 
rtptieMECNO 
5. Sending mall payment to the address on the Mat MOW sulerent ooh the premem coupon or your 
account inkrmadon. 
Changing Address? 
Address  
Home Phone  
Alternate Phone  
E-mail 
Address  
Please print address or phone number above using blue or black ink How do you Process Payments?  Vita you make a garment, you authara us to inkilte an ACM of 
ekatonc payment that MI be debited ken your hark account or other related account. When you provide a 
check a check intonation to make a payment, you authorize us to use (tarmac% km tie check to mate a 
onetime ACM a aim Saone trade. fret your bark account. Wemayalso process t as a check transaction. 
Dadsmaybe war:Bann born your bank account as soon as the same day we process your payment 
Wheaten emcees IN Friplenta 
For noble, Colin. Of corer thephase. as of the banns day we retort it. as long as they are made by 8 pm 
Et 
for nailed payments. as of the business day we rearm it as big as you send the balOrn portion of the 
statement and your check to tie payment address en tie tom of this statement. Please afar at least Ill 
business days for mail delve y. Mated payments received by us at any other location a payments Cr wry Wet 
(am may nit be uedoed as of theday to meve0ern. 
How do you Awls( My Payment? We mrtrelly apply payments up to your lhnimum Payment list to the 
balance with the brat APR Undoing 0%.02f0, and then to balances wth higher APRs. We apply arty part a 
you payment weeding your Montan Payment to the balance wth the highest APR, and then to balances with 
'Wing Riga, Summary IOom% rlatyt Svelfithwess dew% 
What To Do II You Think You Find A Mistake On Your Statement II you think there is an erns on your 
StdteatteM mite IC us at 
Capital he P.O. Boa 30285 Sail Lake City. UT 84130-0285 
In your tele, gve us thekilning irionsidon: 
Amount Warman: Your name and a WI emettl. 
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Your Rights If You Are Dissatisfied With Your Pun :base: If you are dawdled wth the goods or services 
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[Image 1] The image shows a printed document with text and a table. The document appears to be an informational page or a section of a larger publication, possibly a magazine or a brochure. The text is too small to read in detail, but it seems to contain information related to a service or product, with headings and bullet points. There is a table with columns and rows, but the content of the table is not c

[Image 2] The image shows a printed document with text and a table. The document appears to be an informational or instructional piece, possibly related to banking or financial services. The text includes headings, bullet points, and a table with columns and rows. The visible text includes phrases like "Changing Addresses," "Not quite ready to make payments online?," and "Make cheques payable to." There is 

[Image 3] The image shows a document that appears to be a newsletter or a magazine article. The text is in English, and there are several sections with headings and subheadings. The visible text includes topics such as "Education," "Health," "Economy," and "Politics." There are also sections titled "Sports," "Culture," and "Business." The document contains a table with numerical data and a section titled "C

[Image 4] The image shows a document with text and tables. The document appears to be a form or a set of instructions, possibly related to a financial or accounting process. There are sections with headings such as "Changing Addresses," "Payment Methods," and "Payment Details." The text includes bullet points and tables with numerical data, indicating a structured format for information or instructions. The

[Image 5] The image shows a document with text and tables. The document appears to be a form or a set of instructions, possibly related to a financial or banking context. There are sections with headings such as "Changing Addresses," "Payment Methods," and "Payment Details." The text includes bullet points and numbered lists, suggesting a structured format for information or instructions. The document also 

[Image 6] The image shows a document with text and tables. The document appears to be an invoice or a statement of account, as indicated by the presence of a table with columns for "Description," "Qty," "Unit Price," and "Total." The text includes sections with headings such as "Description," "Qty," "Unit Price," and "Total." There are also sections with headings like "Notes," "Payment," and "Total." The do