GEICO Solicitation

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Insurance isn't all run and games - or is it? Download a cool GEICO ringtone or stream your favorite
GEICO commercials instantly. It s all free when you go to geico.com.
Today more than ever, you want an insurance company that is there when you need them, always
providing excellent customer service, great coverage, and competitive rates. That company is GEICO.
Ted Ward
Vice President
PS: Does your insurance company keep up with your active lifestyle? GEICO does, thanks to an
easy-to-use website, mobile phone capabilities, and the GEICO app. See what it's like to have an
insurance company that works around your schedule, and could help you save money. Contact
GEICO today for a free rate quote by going to geico.com, calling 1-800-947-AUTO (2886)
or contacting your local GEICO agent. And now, you can also access our new mobile site at
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Check out GEICO at:
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Get a free quote on your smartphone!
In just 15 minutes you could save $500 or more on car insurance.
Scan this code to get your free, no-obligation rate quote
directly on your smartphone.
ESS
A bar code reader app and a camera phone are required to scan code.
xr^r�'.s� ......��M
V 2010 2011 l.feK o
rW-TECHVAL 4 11

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bank of america records requests

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Records Request
Reminder Notice: Please Review Important Information Below
Bank of America
Please Reply Within:
14 Days
I

|,|ii.|||i||.|.|'ml>l'l"'i>i''l'i'illiilnPhi1
TO:
RE:
THIS NOTICE IS REQUIRED BY LAW
You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228.
the ONLY authorized source under federal law.
Bank of America Customer
Complimentary Credit Report and Credit Score � Your signature below Is required
to try the Bank of America PrivacySource* service at no cost for 30 days so you can
receive delivery of your Compiled Credit Portfolio. Your benefits will include the following:
1... Your Complimentary Triple-Bureau Credit Report
2 ... Your Complimentary Triple-Bureau Credit Score
3 ... Daily Monitoring notifications
Place this label on the Authorization Form below. Your Complimentary Credit Report
and Credit Score will be available to you upon receipt of this signed and completed
form to try the Bank of America PrivacySource service with the first 30 days at no coat.
fVase return the term Mem betare 09, 26; 11 Upon receiving the completed and
signed kn teto* the Bank of America PrivacySource service win begm monitoring
*** conlder.oal credt flies from ail three major creoH reporting agencies. You'll
teen* Credit Aierts from those agencies when certain negative changes occur m
our creoJt records' And lor peace of mmd youil receive Monthly Notrficaoons
�hen no acfttty & reported
m* Bar* of America PrrtacySource service is yours to try at no cost tor 30 days and
rwnorvy S12 99 a now thereafter ff yvxj arem satisfied you can cancel at any
�me tor any reason And the Complimentary Credit Report and Credit Score are
MT San* olAmertc* checking account will be airtrnnaOcaffv
�oMSMMktriMilW
Your Identity theft protection benefits conunue with Automatic Quart**! Updates.
You'U be alerted to important changes to your credn report as Ml as paovoed
with updated credit scores. Your around the dock pnwleges also raJude tikrnd
Fraud Monitoring The Bank of America Privacy Source servce j
Internet for evidence that your personal mlormauon rs being, sold or1
by identity thieves.'
And youl have access to a Credit Score Anafysjs tod to heto i__
can mprove your score A higher score can roprove your chances of m
beaer rale on a mortgage Don t let an error or outdated intowMDun w yor�<
records damage yc�ow* score
********
Authorization Form
A ot^i. �jj d-�� *- fnrfrmri rnitaae r�kj tni^n "X
PLEASE RETURN ON OR BEFORE: SEPTEMBER 26. 2011



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Gerber Life Insurance

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You can depend on Gerber Life
Gerber Life Insurance
Company has been
protecting families like
yours since 1967. As a
financially separate affiliate
of the Gerber Products Company, we
share in a long tradition of helping
parents provide for their children.
Today, Gerber Life has more than
$37 billion of life insurance in force�
insuring over three million people of
all ages. You can count on Gerber Life
for affordable life insurance for the
entire family and for friendly, efficient
service.
3 Easy Ways to Apply for
The Grow-Up* Plan
Call toil free
) 1-800-704-3331
IF Monday - Friday 8 a.m to 9 p.m. and
?Saturday 9 a.m. to 5 p.m. (ET)
Apply online at
� www.eerlKTlife.com/kids
Mail this application to
Gettfag|f� Insurance Compjjjjj
445 Scita Strttttaeajajt M 49417
Important notes
A Buyer's Guide to Life Insurance and ai Koncy
are sent with all polices. You can get them
applying for insurance by writing to us R| TN
In AR. DC. KY, LA, ME. MD. NJ. NM Wtfgfc pol-cy
& WA. requirements vary somewhat. PeT�;*;tlons. you
is issued, and depending on your state s reyu jfferent
will either receive additional information or
application to sign and return. residents
This application is not for use in Florida. or can
can visit our website v^Wfo"^!^w\\caiton
us at 1-800-704-3331 for a Florida-specific app� ^ ^
If the Insured dies by suicide within two years
Issue Date (one year in CO. MO &NDI the only amou
payable will be the premiums paid for the pout*
To approve your insurance and service your PO'W-
may collect or disclose information about you.*; perma
ted by law. wh.ch may include certa.n disclosures made
without your prior authorization. You haveitheingm to
access and correct personal information hat we nave
about you. You may also receive a detailed not.ce on
Gerber Life's Information Practices, upon request
Benefits are subject to Gerber Life insurance limits
Policy Form Series GPP-08
Texas policy GPP-08-S-TX. Rider GPO-08
New York: GPP-08-NY
* You may receive a Growth Chart without appi>
insurance by writing to us at the address M me �er
The retail value of this item is in accord mm ircuf
state's requirements
SEND NO MONEY NOW
Just fill in and mail the artachad appbcaoon. Whet
we receive it and find your child or o/endcftetf
eligible (most healthy cbiiden agas 14 day* to M
yean qualify), we ll mail you a Grow-U* Mia* to
rtvitw for 30 days
M you are delighted with ma GVov*~U�
your first premium within m*t an W �*
w* racervt your premium om

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Citi Thank You Rewards offer

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Vlstl 1 J� I Call :,_ Mail
E I www.applYonllne1.cUi.com I * I 1-800-549-7679 |^^| the Application Form
' Please see Citi* ThankYou* Rewards Citi ThankYouSM Card Terms and Conditions.
: Bonos points are awarded one time for new enrollments in Paperless Statements or Account Online. If you are already enrolled m these
programs, you will not receive bonus points.
1 Some restrictions apply. See wwwjritiprivatepass.com for specific offer details and information. Citi is not responsible for products or services
offered by other companies.
1 Emergency card replacement outside the continental United States may take a minimum of 48 hours. There may be a service fee associated with
a request for 24-hour card replacement.
5 Extended Warranty coverage is underwritten by Virginia Surety Company, Inc. (Coverage duplicates the manufacturer or store warranty up
to a maximum of 12 months on most items you purchase and is limited to the lesser of the amount charged to your card or $10,000). Certain
conditions, restrictions and exclusions apply. Details of coverage will be provided upon cardmembership.
* Buyers Security coverage (limited to $1,000 per occurrence and $50,000 per cardmember, per year) is excess coverage and is underwritten by
Triton Insurance Company. Certain conditions, restrictions and exclusions apply. Details of coverage will be provided upon cardmembership.
" Price Protection coverage is underwritten by Triton Insurance Company. (Coverage is limited to $250 per item and a maximum of $1,000 per
cardmember per year.) Certain conditions, restrictions and exclusions apply. Details of coverage will be provided upon cardmembership.
1 Up to $3,000 in Common Carrier Lost Luggage Coverage is underwritten by Triton Insurance Company. (Coverage is limited to $2,000 to New York
residents, coverage for all cardmembers is limited to $10,000 in the aggregate per trip.) Certain conditions, restrictions and exclusions arjpht
Details of coverage will be provided upon cardmembership.
* Up to $1,500 Trip Cancellation/Trip Interruption coverage is secondary and is underwritten by Virginia Surety Company, Inc. Certain conditions,
restrictions and exclusions apply. Details of coverage will be provided upon cardmembership.
* Travel Assistance Services are provided at no charge; however, you will be responsible for associated costs. (For example, legal referrals are free,
but the lawyer's fee is your responsibility.) Details of coverage will be provided upon cardmembership.
@20T1 Citibank. NJL
Citi. Citibank. The Lost Wallet. ThankYou, Private Pass and Citi with Arc Design are registered service marks of Citigroup Inc
Gti ThankYou, Citi Mobile and Citi ThankYou Rewards Design are service marks of Citigroup Inc.
MasterCard* is a registered trademark of MasterCard International Incorporated.
B-TYP711-EU5

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capital one venture offer 4 of 4

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How Can I Avoid Paying Interest Charges? Each month
you pay your "New Balance" in full by the due date, you will have a
minimum grace period of 25 days with no interest charge on all new 1)
purchases, 2) balance transfers, 3) special purchases and 4) other
charges. If you have been paying your account in full with no interest
charges applied and you do not pay your next bill in full, prorated
interest charges will be assessed. There is no grace period on cash
advances, special transfers, or on any new transaction when there is an
unpaid balance from a previous bill.
How Is The Interest Charge Applied? Interest charges accrue
from the 1) date of the transaction. 2) date the transaction is processed
or 3) first calendar day of the billing period. Interest charges accrue on
every unpaid amount until it is paid in full. This means you mav owe
interest charges even if you pay the entire "New Balance" one month, but
did not do so for the previous month. Unpaid interest charges are added
to the proper segment of your Account However, we reserve the right to
not assess interest charges at any time.
How Do You Calculate The Interest Charge? For each
segment of your account, we calculated your total interest charge by
multiplying your average daily balance by the daily periodic rate and
multiplying the result by the number of days in the billing penod. Due to
rounding or a minimum interest charge, this calculation may vary
slightly from the interest charge actually assessed.
We determine your daily periodic rate by dividing the corresponding
Annual Percentage Rates by 365 and round to the nearest 1 100,000th
of 1%, not to exceed the maximum allowed by applicable law. If the
daily periodic rates and corresponding Annual Percentage Rates
increase, the interest charge will increase and your minimum payment
may be greater.
To determine your Daily Balance for each segment: 1) take the
beginning balance and add in new transactions and the periodic interest
charge on the previous day's balance. 2) Subtract any payments and
credits for that segment as of that day. However, if you paid your
previous month's balance in full (or if your balance was zero or a credit
amount), new transactions which post to your purchase or special
purchase segments are not added to the daily balances. Also,
transactions that are subject to a grace period are not added to the daily
balances.
To determine your Average Daily Balance: 1) add the daily balances
together and 2) divide the sum by the number of days in the billing cycle.
IMPORTANT INFORMATION ABOUT fflOCfDURff fQft
APPLYING FOR OR OPENING A NEW ACCOUNl
To help the government fight the funding of terrorism and
money laundering activities, Federal law requires all fwajiuai
institutions to obtain, verify and record information thai
identifies each person who opens an account. What thit
means for you: When you apply for or ppgfl M ft | Wfll V(
will ask for your name, address, date of birth and other
information that will allow us to identify you.
PRESCREEN & OPT-OUT NOTICE:
This "prescreened" offer of credit is based on
information in your credit report indicating that
you meet certain criteria. This offer is not
guaranteed if you do not meet our criteria. If
you do not want to receive prescreened offers
of credit from this and other companies, call the
consumer reporting agencies toll free, 1-888-5-
OPT-OUT (1-888-567-8688); or write them
individually at: Experian Target Marketing, P.O.
Box 919, 701 Experian Parkway B2, Allen, TX
75013; Equifax Options, P.O. Box 740123,
Atlanta, GA 30374-0123; Trans Union
Corporation, Attn: Marketing Opt Out, P.O. Box
505, Woodlyn, PA 19094-0505.
�2011 Capital One. Capital One is a federally registered service
mark. All rights reserved. Products and services offered by
Capital One Bank (USA), N.A., member FDIC. Capital One
supports information privacy protection: see our Web site at
www.capitalone.com.
Please retain this brochure for your records HI 740b 1 ibi /

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capital one venture offer 3 of 4

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capital one venture offer 2 of 4

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=^ Things You Should Know About This Rewards Program
How Do I Redeem My Rewards For Travel? There are two
way's to redeem your miles:
1) You can contact our Rewards Center toll free to book your travel. Or,
2) You can purchase your travel (anywhere you choose-online, in
person, or over the phone) with your No Hassle Rewards card. You'll
then have 90 days from the date your travel purchase posts to your
account to call our Rewards Center or redeem your miles online at
ww.capitalonexom/nohasslerewards to get reimbursed for the cost
of the travel purchase.
The number of miles you need for travel varies, and depends on the cost
of the travel purchase. Here's how it works:
Simply multiply the cost of your travel purchases by 100. For example, if
your ticket costs $200, you'd multiply that by 100 to determine you need
20,000 miles to redeem.
Can I Redeem My Rewards For Something Other Than
Travel? You can also redeem your miles for cash, gift cards, brand-
name merchandise and more, Rates for these other redemption options
vary and are subject to change without notice. If you received this offer in
the mail, you can call the application number provided for additional
information regarding these redemption rates. If you are reviewing this
offer online, you can call the phone number provided to get additional
information regarding these redemption rates. As an Account holder,
you can visit www.capitalone.com to register your account and see a
complete description of current redemption offers.
Is My Account Eligible To Transfer Rewards? Yes. You can
transfer your rewards between this account and other U.S. Miles or
Points accounts. Please note: while you may receive rewards transfers
from U.S. Cash accounts, you may not transfer rewards to them.
Please retain this brochure for your records.
ADDITIONAL DISCLOSURES & TERMS AND CONDITIONS
I am applying to Capital One Bank (USA). N.A. (Capital One�) for a
credit card account. To qualify, I understand:
� This offer is based on an initial assessment that I met Capital One's
initial criteria for creditworthiness.
� I must be at least 18 years of age and have a valid social security
number, unless otherwise specified.
� I may be ineligible if I have responded to a previous offer for a
credit card issued by Capital One within the last 45 days or if I have
been approved for a previous Capital One offer.
� Capital One maintains the right not to open my account if: a) the
information provided as part of my application is incomplete,
inaccurate or cannot be verified, or if I no longer meet Capital
One's standards for cremtworthiness; b) my name and or mailing
address has been altered; or c) Capital One receives my response
after the offer has expired. Capital One may contact me to obtain or
confirm application information within 21 days of the receipt of my
application. Capital One's decision to contact me may be based on
my creditworthiness.
With respect to this offer, I acknowledge that
� I authorize Capital One to check my credit and employment
history and to answer questions about its credit experience with
me.
� If I am interested in transferring a balance, I may call the
customer service number with that request 10 days after my
account has been opened.
� If I am approved. Capital One may contact me from time to time
regarding my Card and Account as described in my Capital One
Customer Agreement For example, when 1 give Capital One my
mobile telephone number, I agree to receive calls and messages,
including prerecorded messages, at that number from Capital One
and their authorized agents including with an automatic
telephone dialer (autodialer).
� I will receive the Capital One Customer Agreement and am bound
by its terms and all future revisions.
� This offer is nontransferable and void to residents of GU, PR VI
and all other U.S. dependent areas.
� The terms of this offer may not be applied to existing Capital One
accounts.
� Capital One will retain my response form whether or not it is
approved.
� I understand that unless the offer discloses a specific credit line,
the exact amount of my credit line will be determined by Capital
One after review of my application and other iiifonnation.
0174051-1617

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