Interpreter Bulletin:

Issue 38 (All Languages): May 15, 2013

Capital One Financial Corporation

Overview The purpose of this bulletin is to familiarize you with the Capital One Financial Corporation as well as common Capital One-related calls and terminology. Founded in 1988 and headquartered in McLean, Virginia, Capital One offers financial services and products to consumers, small businesses, and commercial clients. Among the services Capital One provides are:

banking (personal, small business, and commercial) credit card services home and auto loans investment products savings

You can expect to receive calls related to each of these services.

Below are examples of common statements you will interpret when handling Capital One calls. Use the space provided to translate each statement.

This is an attempt to collect a debt. Any information obtained will be used for that purpose.

This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.

I need to advise you that this call may be recorded and monitored for quality assurance purposes. May I continue?

Interpreter Bulletins Capital One Financial Corporation All Languages 2013 CyraCom International, Inc. All rights reserved. (rev. 05.15.13)

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Capital One: Relevant Terminology

English account statement accrue alimony available cash Definition a record of recent transactions and account balance to accumulate money owed by a husband or wife by order of law after a separation or divorce currency in coins and notes that is readily accessible the portion of a line of credit that can still be used; the total credit limit minus the present balance of the account a long-term loan that has low interest payments during the loan period, but one large payment at the end of the loan period the act of declaring your inability to pay outstanding debts the schedule of billing statements Monday, Tuesday, Wednesday, Thursday, and Friday corporation that offers financial services and products arrangement in which one party borrows by promising future payment transaction in which a credit-issuing institution views an individual's credit report a numerical expression based on a statistical analysis of a person's credit files, to represent the creditworthiness trustworthy with money as based on a person's credit history when a party is unwilling or unable to repay their debt to receive money on a commercial or business transaction; to receive money for working having become void after a specific date a loan in which the interest rate does not change formal request for repayment or cancellation of unauthorized transactions expense not included on the initial price of something indication that something is to be delayed or reserved indication that an account cannot satisfy the request for a payment included as a necessary part a particular place amount for which something can be sold in a given market state of belonging to a group a businessperson payment made via the internet Translation

available credit

balloon payment bankruptcy (filing) billing cycle business days Capital One credit agreement credit inquiry

credit score creditworthy default earn expired fixed rate fraud claim hidden fees hold insufficient funds involve location market value membership merchant online payment

Interpreter Bulletins Capital One Financial Corporation All Languages 2013 CyraCom International, Inc. All rights reserved. (rev. 05.15.13)

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reimbursement short term stakeholder tax return third party timeframe tuition unauthorized charges update voided check warm transfer yield

payback for an incurred expense extending over a limited period person, group, or organization with an interest in something form used to make an annual statement of income someone other than the principal members of a transaction period of time during which something occurs or is expected to occur school fees transactions conducted without approval to make something current or bring up to date a check rendered void for any purpose act of notifying the desired party of the impending call transfer profit or revenue an investment returns

Interpreter Portal Additional terminology is available via the Interpreter Portal.

Interpreter Bulletins Capital One Financial Corporation All Languages 2013 CyraCom International, Inc. All rights reserved. (rev. 05.15.13)

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