EFTA00124742

NAVY 3 FEDERAL Credit Union Visa Sgnature eeroheRewards r MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 102.00 02/08/2019 5,099.94 xxxx xxxx xxxx PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND Ma& TO: NAVY FEDERAL as 0123706 P.O. BOX 3500 MERRIFIELD VA 22119-3500 0509994000102004406095688774150440609568877415045 ACCOUNT NUMBER Vea Swabia eaai Rewards Pages old ACCESS NUMBER SUMMARY OF ACCOUNT PAYMENT INFORMATION QUESTIONS Previous Balance New Balance $5,099.94 Credit Card Services 1388842.6328 Payments Minimum Payment Due $102.00 Other Credits Payment Due Date 02/0812019 Send Billing Inquiries To: Purchases Late Payment Warning:If we do not receive your Navy Federal Creek Union Cash Advances minanum payment by the date listed above. you may P.O. Box 3601 have to pay a $20.00 late fee and your APRs may be MerrIlleid VA 22119-3501 Fees Charged increased up to the Penalty APR of 18.00%. Interest Charged Send Payments To: Minimum Payment Warning: If you make only the New Balance 55.099.94 Navy Federal minimum payment each period. you will pay mete in P.O. Box 3600 Past Due Amount interest and it veal take you longer to pay off your Menlaind VA 22119-3500 Credit Limit $6.500.00 balance. For example: Available Credit 51,400.06 II youmake no To view your account Cash Limit 53,250.00 additional charges You wl witaayceoll And you will and Online yeel nsyyfilder•10.9. the b up paying an Available Cash 51,400.06 using the card and each month shown on INS eatmaled II you would Ike ntomiatico about Statement Closing Date 01/11/2019 statement n total of... cretin counselng seivioss. go to you Pay.. htlps./hnvoijustiee.goviustilisl• Da s In Billi C cie 31 Only the rnnimum 19 years nedil.counseling-agenciss• 39.266 approved-pursuardll•utu>111 Parnell! 56.084 on call 1-868403-7106. 5169 3 years (Savings 33.182) REWARDS SUMMARY Start Balance Earned Bonus deemed I Adjusted Purged End Balance $148.78 - - - - Redemptions are not permitted on closed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By Anoint 12/11/18 12/12/18 12/31/18 12/31/18 TRANSACTIONS GLENDA ANDERSON-LAYNE xxxx sox xxxx Trans Date Post Date Reference No. Description Amami 12/11/18 12/12/18 12/09/18 12/12/18 Navy Federal Credit Union SP 001 EFTA00124742 P • CREDIT CARD CHANGE OF ADDRESS • NrCU ACCOUNT NO. VISA ACCOUNT NO. RANKMATE NAMC FIRST LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: HOME TELEPHONE NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS MURK feltillUNe sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS Page 2014 Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 If you think there is an error on your statenent, write t0 us at: Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Navy Fetal Credit Union Emergency Assistance 1.600-VISA.911 P.O. Box 3501 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. In your letter, give us the following information: Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total • Account untinnabon: Your Nitre and account wits anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the • Donor amount The dcdar emelt of the suspected error moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad • Description of problem: If you think there is an sloe en your till, describe what you Street Journelen the first day of the previous month. Your Margin is a percentage amount believe is wrong and why you believe t is a mistake. that we determine based on an evaluation cf your credit history. You must contact us within 60 days after the error appeared en your statement. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. You must notify us ot any potential errors in wiling or electronically. You may call us, at NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy s' you do, we are not requked to investigate any potential errors, and you may have to Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this Pay the amount in question. address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may 1Vhde we investigate whether a not there has teen an error, the following are true: not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We • We cannot try to collect the anoint in question or report you as delinquent on that will accept late a partial payments without forfeiting any of Navy Federars rights under Munn. this Agreement Payments that are marked "paid in full' and that are of an amount less • The charge in question may remain en your statement, and we may continue to charge than the balance en the credit card account, or that are marked with any other nettle/he you interest on that amount. But, line determine that we made a riVtake, you will not endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card have to pay the amount in question a any interest or other fees related to that Division. mount. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will • Where you do not have t0 pay the amount In question, you are responsible for the be tilled to you in U.S. cellars. The rate ci exchange used for processing international reminder of your balance. transactions is a rate selected by Visa from the range of rates available in wholesale • We can apply any unpaid null aganst your credit WO_ cerrency markets fa the applicable central proceseng date, which rate may vary from the Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. have the rigM not to pay the remaining amount due en the purchase. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, To use this right, all of the foaming must be Due: and convenience dads on the transaction date. 1. Tel surcease must have been made n you home state a yethin 100 man of your ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. anent mailing address, and the pu rchase price must have been more than $50. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use (Note Nether a these is necessary d your purchase was based on an advertisement your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by we mailed t0 you, or d we oval the company that sad you the goods a services.) the owner of the ATM. 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not Now We Determine The Amount Of Interest Charges: Nary Federal calculates guilty. Interest charges do your account by applying the periodic rate to the average daily 3. You must not yet have fury paid fa the purchase. balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses If all of the acerb above are met and you are still dissatisfied with the purchase, contact and cash advances, and subtract any payments, eedits, and unpaid interest charges to us in twang or electronically at: give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle Navy Federal Cleat Union and dNide the total by the number ci days In the baling cycle. This ghats us the average P.O. Box 3501 daily balance. You can find your 'average daily balance' for each being cycle in the Merrifield, VA 22119 'Balance Subject W Interest Rate' column of y0u statement. You may also contact us electsenicaIN through Online Banking at navyfederal.org. Payment Allocation: in general, we WI apply your minimum payment to the overtime Wee we investigate, the same rules apply to the &puled amount as ciscussed above. anoint (if any), inteest, and fees first beat applying it to principal balances. If your Me we finish our investigadon, we will tell you our decision. At that point, d we think account has balances with different APRs, we Wit apply the Minimal, payment first to the you ate an Mount and you do not pay, we may report you as delinquent. balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Navy Federal Credit Union SP 001 EFTA00124743 NAVY FEDERAL VisaSignalise ath eReWardS Credit Union Par 3 014 TRANSACTIONS GLENDA ANDERSON-LAYNE xxxx xxxx xxxx Trans Date Post Date Reference No. DesalptIon Amount 12/11/18 12/12/18 12/12/18 12/13/18 12/10/18 12/13/18 12/12/18 12/13/18 12/13/18 12/14/18 12/13/18 12/14/18 12/13/18 12/14/18 12/13/18 12/14/18 12/13/18 12/14/18 12/13/18 12/14/18 12/13/18 12/14/18 12/14/18 12/17/18 12/17/18 12/18/18 12/17/18 12/18/18 12/17/18 12/18/18 12/17/18 12/19/18 12/18/18 12/19/18 12/19/18 12/20/18 12/21/18 12/24/18 GLENDA ANDERSON-LAYNE xxxx xxxx xxxx Trans Date Post Date Reference No. Description Amount 01/03/19 01/04/19 24692169003100425459972 OVC•573831726601'4OF6 800-367-9444 PA $62.38 01104/19 01/07/19 24692169004100993238047 OVC•573831880901'4OF6 800-367-9444 PA $63.48 01105/19 01/07/19 24906419005066180586771 HSICHSN1554251500 2OF3 800-9332887 FL $13.66 01105/19 01/07/19 24906419005066180336417 HSWHSN1554251501 2OF3 800-9332887 FL $13.66 01107/19 01/08/19 24692169007100680518815 OVC•576648875501'2OF6 800-367-9444 PA $13.06 01108/19 01/09/19 24692169008100307308391 NETFLIX.COM NETFLIX.COM CA $10.99 01108/19 01/09/19 24906419008066329296339 HSWHSN1562994739 800-9332887 FL $32.58 01108/19 01/09/19 24906419008068319020947 HLU'Hulu 956791389378-U HULU.COM/BILLCA S7.99 01109/19 01/10/19 24692189009100646796105 OVC*573057493601'5OF5 800-367-9444 PA S7.72 01/10/19 01/11/19 24908419010068431395553 HSN'HSN1546575513 3OF3 800-9332887 FL $66.64 TOTAL New Activity for GLENDA ANDERSON-LAYNE $292.16 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES TOTAL INTEREST 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 S0.00 Total Interest charged in 2019 $45 17 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Cha Pischasee 11.65%(v) $4.652.13 645.17 Cash AoVances 13.65% (v) 50.00 50.00 Navy Federal Credit Union SP 001 EFTA00124744 P Visa Signature firs/ Rewards INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Bal TrItonvChle 11.65%(v) 50.00 50.00 (v) = Variable Rate • Bat TrUConv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest Interest is assessed from the transaction date to the date the amount is paid in full. Achieve financial victory with a low rate CONQUER APR Balance Transfer. Just transfer your high rate balance from another lender to YOUR DEBT your Navy Federal Credit Card. navyfederal org/myBT InSUred by NCUA. Navy Federal Credit Union SP 001 EFTA00124745 NAVY 3 FEDERAL Credit Union Vtsa Sgnature eeroheRewards MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 0.00 0.00 03/08/2019 4,083.99 xxxx xxxx xxxx $ PLEASE NOICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MPJL TO: NAVY FEDERAL GLENDA ANDERSON-LAYNE as 0046763 P.O. BOX 3500 MERRIFIELD VA 22119-3500 0408399400000000406095688774150440609568877415044 ACCOUNT NUMBER Ma 'cox pox= YeaSwan eaai Rewards Page 1old ACCESS NUMBER SUMMARY OF ACCOUNTACTWITY PAYMENT INFORMATION QUESTIONS Previous Balance $5,099.94 New Balance $4,083.99 Credit Card Services 1303842.6328 Payments 42.213.07 Minimum Payment Due NONE Other Credits -$0.00 Payment Due Date 03/08/2019 Send Billing Inquiries To: Purchases +51.145.17 Late Payment Warning:If we do not receive your Navy Federal Credit union Cash Advances +50.00 mina-num payment by the date listed above. you may P.O. Box 3601 have to pay a $20.00 late fee and your APRs may be MerrilleM VA 22119.3501 Fees Charged +50.00 increased up to the Penalty APR of 18.00%. Interest Charged +551.95 Seed Payments To: Minimum Payment Warning: If you make only the New Balance $4.083.99 Navy Federal minrnum payment each period. you will pay more in P.O. Box 3600 Past Due Amount $0.00 interest and it veal take you longer to pay off your MerrilleM VA 22119.3500 Credit Limit 56,500.00 balance. For example: Available Credit $2,416.01 younuke no To view your account wil pay al Cash Limit $3.250.00 additiOnal charges You the balance And you wit as online vol nayyfrideriderrg. up paying an Available Cash $2.418.01 Laing Ills card Shawn on this esornaled II you would Ike miommlice about and each month Statement Closing Date 02/11/2019 statement n Mid credit counseing ten:pos.90 to you Pay Mtgs./hammuce.godusblist- Days In Billing Cycle 31 Only the minimum 17 creddcounserintpagendes- years $7.515 appreved-puirsuarthrimar>111 Parnell, $4.860 a call 1.868-503-7106. $135 3 years (Saunas 52.665) IMPORTANT NOTICES INFORMATION REGARDING YOUR MINIMUM PAYMENT DUE' . YOUR MINIMUM PAYMENT DUE IS 2%OF YOUR STATEMENT BALANCE OR S20 (WHICHEVER IS GREATER). PLUS ANY PAST DUE AMOUNT. YOU MUST PAY THIS AMOUNT TO KEEP YOUR ACCOUNT IN GOOD STANDING. REWARDS SUMMARY Start Balance Earned Bonus Redeemed Adjusted Purged End Balance $148.78 517.15 $0.00 $0.00 $0.00 $0.00 $163.93 Redemptions we not permitted on dosed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Tnum Date Post Date Reference No. Description Submitted By Amount 02/01/19 02/01/19 74030$6$0320$$$$$381624 PAYMENT RECEIVED xxxx max max $102.00 02/07/19 02/08/19 74050969039062180200002 NFO PAYMENT RECEIVED xxxx xxxx max $2.111.07 TOTAL PAYMENTS AND CREDITS $2,213.07 Navy Federal Credit Union SP 001 EFTA00124746 P • CREDIT CARD CHANGE OF ADDRESS • NrCU ACCOUNT NO. VISA ACCOUNT NO. RANKMATE NAMC FIRST LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: HOME TELEPHONE NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS MURK feltillUNe sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS Page 2014 Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 If you think there is an error on your statenent, write t0 us at: Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Navy Fetal Credit Union Emergency Assistance 1.600-VISA.911 P.O. Box 3501 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. In your letter, give us the following information: Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total • Account untinnabon: Your Nitre and account wits anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the • Donor amount The dcdar emelt of the suspected error moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad • Description of problem: If you think there is an sloe en your till, describe what you Street Journelen the first day of the previous month. Your Margin is a percentage amount believe is wrong and why you believe t is a mistake. that we determine based on an evaluation cf your credit history. You must contact us within 60 days after the error appeared en your statement. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. You must notify us ot any potential errors in wiling or electronically. You may call us, at NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy s' you do, we are not requked to investigate any potential errors, and you may have to Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this Pay the amount in question. address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may 1Vhde we investigate whether a not there has teen an error, the following are true: not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We • We cannot try to collect the anoint in question or report you as delinquent on that will accept late a partial payments without forfeiting any of Navy Federars rights under Munn. this Agreement Payments that are marked "paid in full' and that are of an amount less • The charge in question may remain en your statement, and we may continue to charge than the balance en the credit card account, or that are marked with any other nettle/he you interest on that amount. But, line determine that we made a riVtake, you will not endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card have to pay the amount in question a any interest or other fees related to that Division. mount. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will • Where you do not have t0 pay the amount In question, you are responsible for the be tilled to you in U.S. cellars. The rate ci exchange used for processing international reminder of your balance. transactions is a rate selected by Visa from the range of rates available in wholesale • We can apply any unpaid null aganst your credit WO_ cerrency markets fa the applicable central proceseng date, which rate may vary from the Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. have the rigM not to pay the remaining amount due en the purchase. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, To use this right, all of the foaming must be Due: and convenience dads on the transaction date. 1. Tel surcease must have been made n you home state a yethin 100 man of your ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. anent mailing address, and the pu rchase price must have been more than $50. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use (Note Nether a these is necessary d your purchase was based on an advertisement your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by we mailed t0 you, or d we oval the company that sad you the goods a services.) the owner of the ATM. 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not Now We Determine The Amount Of Interest Charges: Nary Federal calculates guilty. Interest charges do your account by applying the periodic rate to the average daily 3. You must not yet have fury paid fa the purchase. balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses If all of the acerb above are met and you are still dissatisfied with the purchase, contact and cash advances, and subtract any payments, eedits, and unpaid interest charges to us in twang or electronically at: give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle Navy Federal Cleat Union and dNide the total by the number ci days In the baling cycle. This ghats us the average P.O. Box 3501 daily balance. You can find your 'average daily balance' for each being cycle in the Merrifield, VA 22119 'Balance Subject W Interest Rate' column of y0u statement. You may also contact us electsenicaIN through Online Banking at navyfederal.org. Payment Allocation: in general, we WI apply your minimum payment to the overtime Wee we investigate, the same rules apply to the &puled amount as ciscussed above. anoint (if any), inteest, and fees first beat applying it to principal balances. If your Me we finish our investigadon, we will tell you our decision. At that point, d we think account has balances with different APRs, we Wit apply the Minimal, payment first to the you ate an Mount and you do not pay, we may report you as delinquent. balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Navy Federal Credit Union SP 001 EFTA00124747 NAVY C FEDERAL Visa Signature adRewards Credit Union TRANSACTIONS GLENDA ANDERSON-LAYNE xxxx xxxx xxxx Trans Date Post Date Reference No. Description Amount 01/12/19 01/14/19 24906419012066535157438 HSWHSN1547150583 30F4 800-9332887 FL $10.50 01/12/19 01/14/19 24906419012066534862766 HSWHSN1556820495 20F6 800-9332887 FL 56.90 01/12/19 01/14/19 24906419012066535029678 HSWHSN1556820493 20F3 800-9332887 FL 58.81 01/12/19 01/14/19 24906419012066534569144 HSWHSN1547150582 30F5 800-9332887 FL $16.99 01/12/19 01/14/19 24906419012066534082452 HSWHSN1556820492 20F6 800-9332887 FL S6.90 01/15119 01/16/19 24781979015083704621112 BATH & BODY WORKS.COM 800-756-5005 OH 550.07 01/17/19 01/18/19 24692169017100274196364 QVC'577053471201. 20F6 800-367-9444 PA 57.62 01/17/19 01/18/19 24692169017100274196372 OVC'572366465601'60F6 800-367-9444 PA $13.24 01/17/19 01/18/19 24906419017066777118182 HSWHSN1564849507 10F6 800-9332887 FL $10.49 01/17/19 01/18/19 24906419017066776400490 HSWHSN1564848527 I0F6 800-9332887 FL $10.49 01/17/19 01/18/19 24906419017066776597915 HSWHSN1564848547 I0F6 800-9332887 FL $10.49 01/17/19 01/18/19 24906419017066779054104 HSWHSN1564849506 I0F6 800-9332887 FL $10.49 01/19/19 01/21/19 24906419019066883726878 HSWHSN1548827625 30F6 800-9332887 FL $54.99 01/19/19 01/21/19 24906419019066883729219 HSWHSN1541651365 40F5 800-9332887 FL S5.99 01/20/19 01/21/19 24692169020100914497243 OVC'57571656170110F4 800-367-9444 PA $20.54 01/20/19 01/21/19 24692169020100914497250 OVC'575715176801'30F6 800-367-9444 PA S7.62 01/20/19 01/21/19 24692169020100914497268 QVC'572363387001. 60F6 800-367-9444 PA $17.22 01/20/19 01/21/19 24692169020100914497278 QVC'572363386701. 60F6 800-367-9444 PA $17.22 01/21/19 01/22/19 24692169021100427620892 QVC'575782129901. 30F5 800-367-9444 PA 55.27 01/21/19 01/22/19 24692169021100427820900 QVC'577282450201. 20F6 800-367-9444 PA $130.64 01/21/19 01/22/19 24692169021100427620918 OVC*577282450202'20F6 800-367-9444 PA S8.88 01/21/19 01/22/19 24692169021100427620926 OVC'5772824so2o3•20F6 800-367-9444 PA 58.88 01/21/19 01/22/19 24692169021100427620934 QVC'575782270801. 30F6 800-367-9444 PA $11.23 01/22/19 01/23/19 24692169022100017769017 QVC'575715176701. 30F6 800-367-9444 PA 57.62 01/23/19 01/24/19 24692169023100541493817 OVC'575782129902'30F5 800-367-9444 PA 5720 01/23/19 01/24/19 24692169023100541480625 OVC*575782129903'30F5 800-367-9444 PA 55.87 01/24/19 01/25/19 24906419024067124435957 HSWHSN1530032468 60F6 800-9332887 FL $41.65 01/28/19 01/29/19 24492159028637601252048 HALO2CLOUD LLC I-ITTPSSHOP.HALCT S95.99 01/30/19 01/31/19 24692169030100446915884 OVC'576293400902'30F5 800-367-9444 PA $11.96 01/30/19 01/31/19 24692169030100446915892 OVC'576I90265502'30F6 800-367-9444 PA $12.40 01/30/19 01/31/19 24692169030100446915900 OVC•576190265501'30F6 800-367-9444 PA $12.40 01/30/19 01/31/19 24692169030100446915918 OVC*576190265505'30F6 800-367-9444 PA $12.20 01/30/19 01/31/19 24692169030100446915926 OVC'576190265503'30F6 800-367-9444 PA $12.20 01/30/19 01/31/19 24692169030100446915934 OVC'57619026550410F6 800-367-9444 PA $12.20 01/31/19 02/01/19 24692169031100980244609 OVC•576293400901'30F5 800-367-9444 PA $11.96 02103/19 02/04/19 24692169034100813143058 OVC*573831726601'50F6 800-367-9444 PA $62.38 02104119 02/05/19 24692169035100274963209 OVC•573831880901'50F6 800-367-9444 PA $63.48 02104119 02/05/19 24906419035067710860359 HSWHSN1554251501 30F3 800-9332887 FL $13.66 02104119 02/05/19 24906419035067709590728 HSN'HSN155425I 500 30F3 800-9332887 FL $13.66 02104119 02/06/19 24445009037600044179727 HAUTLK RACK8885478438 888-547-8438 CA $264.83 02107/19 02/08/19 24692169038100149624306 OVC'576648875501'30F6 800-367-9444 PA $13.06 02108/19 02/11/19 24692169039100599805644 NETFLIX.COM NETFLIX.COM CA 510.99 02108/19 02/11/19 24906419039067926025793 HLU'Hulu 956791385393-U HULU.COM/BILLCA S7.99 TOTAL New Activity for GLENDA ANDERSON-LAYNE $1,145.17 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES 551.95 TOTAL INTEREST S51.95 Navy Federal Credit Union SP 001 EFTA00124748 P Visa Signature a te Rewards p.,, 2019 TOTALS YEAR•TO-DATE Total Fees charged in 2019 $0.00 Total Interest charged in 2019 $97.12 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Pischases 11.90%(v) 55237.91 $51.95 Cash Atherces 13.90% (v) $0.00 $0.00 Bal TrItonv Chit 11.90% (v) $0.00 S0.00 (v) = Variable Rate • Bat TrUConv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest Interest is assessed from the transaction date to the date the amount is paid in full. Achieve financial victory with a low rate CONQUER APR Balance Transfer. Just transfer your high rate balance from another lender to YOUR DEBT your Navy Federal Credit Card. navytederatorgirnyer InSured by NCUA. Navy Federal Credit Union SP 001 EFTA00124749 NAVY 3 FEDERAL Credit Union Vtsa Sgnature eeroheRewards MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 20.00 0.00 04/08/2019 887.50 xxxx xxxx xxxx $ • PLEASE trectcATE CHANGE OF ADDRESS DE REVERSE. PLEASE MAKE CHECK PAYABLE AND Rea To: NAVY FEDERAL GLENDA ANDERSON-LAYNE tt 0046333 P.O. BOX 3500 MERRIFIELD VA 22119-3500 0088750500020008406095688774150440609568877415043 ACCOUNT NUMBER Kr2OO:OX= YeaSpate eadRewards Page 1old ACCESS NUMBER SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION QUESTIONS Previous Balance $4,083.99 New Balance $887.50 Credit Card Services 1-808842.6328 Payments -$4.125.28 Minimum Payment Due $20.00 Other Credits -5175.41 Payment Due Date 04/08/2019 Send Billing Inquiries To: Purchases +$1.104.20 Late Payment Warning:If we do not receive your Navy Federal credit Union Cash Advances +$0.00 mina-num payment by the date listed above. you may P.O. Box 3601 have to pay a $20.00 late fee and your APRs may be Merrifield VA 22119-3501 Fees Charged +$0.00 increased up to the Penalty APR of 18.00%. Interest Charged +$0.00 Send Payments To: Minimum Payment Warning: If you make only the New Balance $887.50 Navy Federal minrnum payment each period. you will pay mare in P.O. Box 3600 Past Due Amount $0.00 interest and it veal take you longer to pay off your Merrifield VA 22119-3600 Credit Limit $6,500.00 balance. For example: Available Credit $5,612.50 II youmake no To view your account theoblalipaanyceoff additOnal charges You And you oil and amine vol navyfiklerld.0.2. Cash Limit $3,250.00 up paying an Available Cash $3.250.00 using the card and each mcnitt Shawn on the esornaled If you would Ike Wormaticn about Statement Closing Date 03/11/2019 statement n Iola! of... aedil counseIng services. go to you Pay.. about.. Mtgs./hews tustce.govrusblish Da a In Billl C cle 28 Only the rnnimum credil.cconseling-agendes- S years $1.175 approveckpursuant•11-uses.111 Palmy)! $1.044 cc call 1-888-503-7106. $29 3 years (Savings • 3131) IMPORTANT NOTICES INFORMATION REGARDING YOUR MINIMUM PAYMENT DUE' • YOUR MINIMUM PAYMENT DUE IS 2%0F YOUR STATEMENT BALANCE OR $20 (WHICHEVER IS GREATER). PLUS ANY PAST DUE AMOUNT. YOU MUST PAY THIS AMOUNT TO KEEP YOUR ACCOUNT IN GOOD STANDING. REWARDS SUMMARY Start Balance Earned Bonus Redeemed Adjusted Purged End Balance] $163.93 $16.53 $0.00 $175.41 $0.00 $0.00 $5.05 Redemptions we not permitted on dosed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Desadpdon Submitted By Arnow* 02/19/19 02/19/19 74060969050064440210007 NFO PAYMENT RECEIVED mom room= $1,000.00 02/19/19 02/19/19 74050959050063540210008 NFO PAYMENT RECEIVED 3COM rCer (XX MI $3,125.28 03/06/19 03/07/19 74460959066423220198319 CASH REWARDS xxmc 'cm xxxx $175.41 TOTAL PAYMENTS AND CREDITS $4,300.69 Navy Federal Credit Union SP 001 EFTA00124750 P • CREDIT CARD CHANGE OF ADDRESS • NrCU ACCOUNT NO. VISA ACCOUNT NO. RANKMATE NAMC FIRST LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: HOME TELEPHONE NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS MURK feltillUNe sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS Page 2014 Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 If you think there is an error on your statenent, write t0 us at: Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Navy Fetal Credit Union Emergency Assistance 1.600-VISA.911 P.O. Box 3501 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. In your letter, give us the following information: Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total • Account untinnabon: Your Nitre and account wits anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the • Donor amount The dcdar emelt of the suspected error moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad • Description of problem: If you think there is an sloe en your till, describe what you Street Journelen the first day of the previous month. Your Margin is a percentage amount believe is wrong and why you believe t is a mistake. that we determine based on an evaluation cf your credit history. You must contact us within 60 days after the error appeared en your statement. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. You must notify us ot any potential errors in wiling or electronically. You may call us, at NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy s' you do, we are not requked to investigate any potential errors, and you may have to Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this Pay the amount in question. address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may 1Vhde we investigate whether a not there has teen an error, the following are true: not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We • We cannot try to collect the anoint in question or report you as delinquent on that will accept late a partial payments without forfeiting any of Navy Federars rights under Munn. this Agreement Payments that are marked "paid in full' and that are of an amount less • The charge in question may remain en your statement, and we may continue to charge than the balance en the credit card account, or that are marked with any other nettle/he you interest on that amount. But, line determine that we made a riVtake, you will not endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card have to pay the amount in question a any interest or other fees related to that Division. mount. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will • Where you do not have t0 pay the amount In question, you are responsible for the be tilled to you in U.S. cellars. The rate ci exchange used for processing international reminder of your balance. transactions is a rate selected by Visa from the range of rates available in wholesale • We can apply any unpaid null aganst your credit WO_ cerrency markets fa the applicable central proceseng date, which rate may vary from the Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. have the rigM not to pay the remaining amount due en the purchase. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, To use this right, all of the foaming must be Due: and convenience dads on the transaction date. 1. Tel surcease must have been made n you home state a yethin 100 man of your ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. anent mailing address, and the pu rchase price must have been more than $50. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use (Note Nether a these is necessary d your purchase was based on an advertisement your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by we mailed t0 you, or d we oval the company that sad you the goods a services.) the owner of the ATM. 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not Now We Determine The Amount Of Interest Charges: Nary Federal calculates guilty. Interest charges do your account by applying the periodic rate to the average daily 3. You must not yet have fury paid fa the purchase. balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses If all of the acerb above are met and you are still dissatisfied with the purchase, contact and cash advances, and subtract any payments, eedits, and unpaid interest charges to us in twang or electronically at: give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle Navy Federal Cleat Union and dNide the total by the number ci days In the baling cycle. This ghats us the average P.O. Box 3501 daily balance. You can find your 'average daily balance' for each being cycle in the Merrifield, VA 22119 'Balance Subject W Interest Rate' column of y0u statement. You may also contact us electsenicaIN through Online Banking at navyfederal.org. Payment Allocation: in general, we WI apply your minimum payment to the overtime Wee we investigate, the same rules apply to the &puled amount as ciscussed above. anoint (if any), inteest, and fees first beat applying it to principal balances. If your Me we finish our investigadon, we will tell you our decision. At that point, d we think account has balances with different APRs, we Wit apply the Minimal, payment first to the you ate an Mount and you do not pay, we may report you as delinquent. balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. 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OZ I LICSOLL5.3A0 092PSSSOLOOlege491Z69II 61/9120 61/LL/Z0 C8'95 lj L88Zt£6b08 9d0Z LOS9P8695LNSH.NSH SOOLOZSC£990L0060906Ii 61/9120 61/91/Z0 C8'95 lj L88Zt£6b08 9d0Z 9056P8695LNSH.NSH 66109533C£990L0060906Ii 61/9120 61/91/Z0 C8'95 lj L88Zt£6b08 9d0Z LOS6P8695LNSH.NSH 0666CLSC£990L0060906Ii 61/9120 61/91/Z0 C8'95 lj L88Zt£6b08 9d0Z US9P8695LNSH.NSH 91.092L[C£890L0060906II 61/9120 61/91/Z0 06'95 lj L88Zt£6b08 9d0£ Z6POZ8955LNSH.NSH CSOL6M90890Z0060906Ii 612120 61n UM 05'OLS lj L88Zt£6b08 HOP C8505LLPSLNSH.NSH W2958690890Z0060906Ii 612120 61n UM 66'91S lj L88Zt£6b08 5d0P Z850511P5LNSH.NSH 51£19S690890Z0060906Ii 612120 61/11/Z0 06'95 lj L88Zt£6b08 9d0£ 56POZ8955LNSH.NSH BZII££990890z00611906Ii 612120 61n UM einotte oolldPosoCI •oN eoutuejed flua Pod Joga suhl ffl xxxx xxxx xxxx 3NAV1-NOSN3ONVVON319 SNOLLOVSNVal .sce.d uopn l!PaO spiemedr2 oinieuße esIA ltfil3CI3d AMN P Visa Signature firs/ Rewards INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Purchases 11.90% (v) $0.00 $0.00 Cash AO/aloes 13.90% (v) $0.00 $0.00 Bel TrliCaw Chic' 11.90%(v) $0.00 $0.00 (v) = Variable Rate • Bal Trf/Conv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest Interest is assessed from the transaction date to the date the amount is paid in full. Planning a summer • Earn up to 15X bonus points or 15% cash back vacation? • Take advantage of exclusive special offers Use your Navy Federal • Search many popular travel sites Credit Card to book with Visit navyfederal.org/shop for more information. Member Deals and get extra perks: Federally insured by NCUA. Navy Federal Credit Union SP 001 EFTA00124753 NAVY 3 FEDERAL Credit Union Visa Sgnature eeroheRewards MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 0.00 0.00 05/08/2019 5,871.73 xxxx xxxx xxxx $ • PLEASE WINGATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL GLENDA ANDERSON-LAYNE aa 0046062 P.O. BOX 3500 MERRIFIELD VA 22119-3500 XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX ACCOUNT NUMBER NACX KTIOOALVX= YeaSpan eaai Rewards RAN 1old ACCESS NUMBER SUMMARY OF ACCOUNT ACTP/ITY PAYMENT INFORMATION QUESTIONS Previous Balance $887.50 New Balance $5,871.73 Credit Card Services 1383842.6328 Payments -$2.143.47 Minimum Payment Due NONE Other Credits -5138.31 Payment Due Date 05108/2019 Send Billing Inquiries To: Purchases +$7.286.01 Late Payment Warning:If we do not receive your Navy Federal Credit Union Cash Advances +$0.00 mina-num payment by the date listed above. you may P.O. Box 3601 have to pay a $20.00 late fee and your APRs may be Ilettilleid VA 22119.3501 Fees Charged +50.00 increased up to the Penalty APR of 18.00%. Interest Charged +50.00 Stead Payments To: Minimum Payment Warning: If you make only the New Balance $5,871.73 Navy Federal minrnum payment each period. you will pay more in P.O. Box 3600 Past Due Amount $0.00 interest and it veal take you longer to pay off your mordant VA 22119.3500 Credit Limit 58.500.00 balance. For example: Available Credit $628.27 if youmake no To view your account bialipaanyceoll Cash Limit 53,250.00 addax:nal charges Yothuew And you will end online viint navyfederill.0.11. up paying as Available Cash $628.27 using the card and each month shown on this enmaled If you would Ike Iniormaticn about Statement Closing Date 04/11/2019 statement rt total of... credit counselng ten/ices. go to you 11011 about.. haps./1*Avoimstce.goviusblis6 Days In Billing Cycle 31 Only the rnnimum eredikcounsellog-agenoes• 20 yews 511.073 approved.punsuantl t Nsal11 payment 57.020 or call 1-868-503-7106. 5195 3 years (Ssengs 54.053) REWARDS SUMMARY Start Balance Earned Bonus Redeemed Adjusted Purged End Balance 55.05 5108.13 I 50.00 i $84.99 , $0.00 $0.00 $28.19 Redemptions we not permlffed on closed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Amount 03/15/19 03/15/19 74050969074087460310005 NFO PAYMENT RECEIVED 51.143.47 03/20/19 03/21/19 74692161079100554576901 GROUPON INC $18.50 GROUPON.COM IL 03/20/19 03/21/19 74692169079100554580030 GROUPON INC $17.41 GROUPON.COM IL 03/21/19 03/22/19 74892169080100072583513 GROUPON INC $17.41 GROUPON.COM IL 03/25119 03/26/19 74460969085423220205625 CASH REWARDS $84.99 03/26/19 03/26/19 74060969085062440320007 NFO PAYMENT RECEIVED $500.00 03/26/19 03/26/19 74060555055063340320046 NFO PAYMENT RECEIVED $500.00 TOTAL PAYMENTS AND CREDITS $2,281.76 Navy Federal Credit Union SP 001 EFTA00124754 P • CREDIT CARD CHANGE OF ADDRESS • NrCU ACCOUNT NO. VISA ACCOUNT NO. RANKMATE NAMC FIRST LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: HOME TELEPHONE NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS MURK feltillUNe sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS Page 2014 Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 If you think there is an error on your statenent, write t0 us at: Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Navy Fetal Credit Union Emergency Assistance 1.600-VISA.911 P.O. Box 3501 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. In your letter, give us the following information: Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total • Account untinnabon: Your Nitre and account wits anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the • Donor amount The dcdar emelt of the suspected error moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad • Description of problem: If you think there is an sloe en your till, describe what you Street Journelen the first day of the previous month. Your Margin is a percentage amount believe is wrong and why you believe t is a mistake. that we determine based on an evaluation cf your credit history. You must contact us within 60 days after the error appeared en your statement. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. You must notify us ot any potential errors in wiling or electronically. You may call us, at NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy s' you do, we are not requked to investigate any potential errors, and you may have to Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this Pay the amount in question. address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may 1Vhde we investigate whether a not there has teen an error, the following are true: not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We • We cannot try to collect the anoint in question or report you as delinquent on that will accept late a partial payments without forfeiting any of Navy Federars rights under Munn. this Agreement Payments that are marked "paid in full' and that are of an amount less • The charge in question may remain en your statement, and we may continue to charge than the balance en the credit card account, or that are marked with any other nettle/he you interest on that amount. But, line determine that we made a riVtake, you will not endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card have to pay the amount in question a any interest or other fees related to that Division. mount. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will • Where you do not have t0 pay the amount In question, you are responsible for the be tilled to you in U.S. cellars. The rate ci exchange used for processing international reminder of your balance. transactions is a rate selected by Visa from the range of rates available in wholesale • We can apply any unpaid null aganst your credit WO_ cerrency markets fa the applicable central proceseng date, which rate may vary from the Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. have the rigM not to pay the remaining amount due en the purchase. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, To use this right, all of the foaming must be Due: and convenience dads on the transaction date. 1. Tel surcease must have been made n you home state a yethin 100 man of your ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. anent mailing address, and the pu rchase price must have been more than $50. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use (Note Nether a these is necessary d your purchase was based on an advertisement your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by we mailed t0 you, or d we oval the company that sad you the goods a services.) the owner of the ATM. 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not Now We Determine The Amount Of Interest Charges: Nary Federal calculates guilty. Interest charges do your account by applying the periodic rate to the average daily 3. You must not yet have fury paid fa the purchase. balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses If all of the acerb above are met and you are still dissatisfied with the purchase, contact and cash advances, and subtract any payments, eedits, and unpaid interest charges to us in twang or electronically at: give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle Navy Federal Cleat Union and dNide the total by the number ci days In the baling cycle. This ghats us the average P.O. Box 3501 daily balance. You can find your 'average daily balance' for each being cycle in the Merrifield, VA 22119 'Balance Subject W Interest Rate' column of y0u statement. You may also contact us electsenicaIN through Online Banking at navyfederal.org. Payment Allocation: in general, we WI apply your minimum payment to the overtime Wee we investigate, the same rules apply to the &puled amount as ciscussed above. anoint (if any), inteest, and fees first beat applying it to principal balances. If your Me we finish our investigadon, we will tell you our decision. At that point, d we think account has balances with different APRs, we Wit apply the Minimal, payment first to the you ate an Mount and you do not pay, we may report you as delinquent. balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Navy Federal Credit Union SP 001 EFTA00124755 NAVY C FEDERAL Visa Signature e;7skeRevvardS Credit Union in pear 3.i. TRANSACTIONS GLENDA ANDERSON-LAYNE xxxx xxxx xxxx Trans Date Post Date Reference No. Description Amount 03/13/19 03/14/19 24692169072100036761044 AMZN Mktp US*MW3EK9ZEI Amzn.ccmfbillWA S34.98 03/13/19 03/14/19 24692169072100143548320 AMZN Mktp US*MWOOLON6I Amzn.ccmfbillWA $13.93 03/13/19 03/14/19 24692169072100198987304 WALMART.COM 800-966-6546 AR S72.87 03/13/19 03/14/19 24906419072069728381604 HSN'HSN1556820495 40F6 800-9332887 FL $6.90 03/13/19 03/14/19 24906419072069731431198 HSN'HSN1556820492 40F6 800-9332887 FL $6.90 03/13/19 03/14/19 24692169072100315222403 AMZN Mktp US*MWONA2ND I Amzn.ccentbillWA S38.99 03/13/19 03/14/19 24692169072100352406471 AMZN Mktp US*MW55A53P1 Amm.conVNIIWA S30.30 03/13/19 03/14/19 24906419072069732975235 HSN'HSN1576110912 IOF3 800-9332887 FL $34.11 03/13/19 03/14/19 24906419072069733093905 HSWHSN1547150582 50F5 800-9332887 FL $16.99 03/15/19 03/18/19 24906419074069834773445 HSWHSN1576674991 I0F3 800-9332887 FL $40.27 03/18/19 03/19/19 24906419077069989718774 HSN'HSN1564848547 30F6 800-9332887 FL 56.83 03/18/19 03/19/19 24906419077069993556604 HSN'HSN1564849506 30F6 800-9332887 FL 56.83 03/18/19 03/19/19 24906419077069993559617 HSN'HSN1564848527 30F6 800-9332887 FL 56.83 03/18/19 03/19/19 24906419077069992893065 HSN'HSN1564849507 30F6 800-9332887 FL 56.83 03/20/19 03/21/19 24692169079100300439254 OVC*577053471201•40F6 800-367-9444 PA S7.62 03/20/19 03/21/19 24906419079070103365660 HSWHSN1548827625 50F6 800-9332887 FL $54.99 03/19/19 03/21/19 24707809079030038759893 Tuly Rinckey PLLC 518-218-7100 NY 65.000.00 03/23/19 03/25/19 24692169082100081051648 OVC*575715176801'50F6 800-367-9444 PA S7.62 03/24/19 03/25/19 24692169083100658316561 OVC*575782270801'50F6 800-367-9444 PA $11.23 03/24/19 03/25/19 24692169063100658316579 OVC*577282450202'40F6 800-367-9444 PA 58.88 03/24/19 03/25/19 24692169063100658316587 OVC*577282450203'40F6 800-367-9444 PA 58.88 03/24/19 03/25/19 24692169063100658316695 OVC*577282450201•40F6 800-367-9444 PA $130.64 03/24/19 03/25/19 24692189063100658316603 OVC*575782129901•50F5 800-367-9444 PA $527 03/24/19 03/25/19 24492159083837042782332 SP • WOODEN SHIPS HTTPSWOODENSHNY $303.00 03/24/19 03/25/19 24445009063300419327703 IMPORTFOOD COM 425-687-1708 ID $122.43 03/24/19 0125/19 24445009084600040218083 HAUTLK RACK8885478438 888-547-8438 CA $112.18 03/25/19 03/26/19 24692169084100197338554 OVC•575715176701•50F6 800-367-9444 PA 57.62 03/26/19 03/27/19 24692169085100624958314 OVC•575782129903'50F5 800-367-9444 PA S5.87 03/26/19 03/27/19 24692169085100624958322 OVC*579078338501•20F2 800-367-9444 PA $20.12 03/26/19 03/27/19 24692189085100824956330 OVC•575782129902'50F5 800-367-9444 PA S720 03/26/19 03/27/19 24445009086600049207853 HAUTLK RACK8885478438 888-547-8438 CA $244.88 03/26/19 03/27/19 24138299088288421909381 BED BATH & BEYOND #651 973-785-4333 NJ $77.21 03/28/19 04/01/19 24492159088894589236391 PURE INDIAN FOODS 877-588-4433 NJ S55.70 04101/19 04/02/19 24483479091277255874949 IHERB.COM 195-161636001CA $42.77 04101/19 04/02/19 24204299091275152764833 IHERB.COM 195-16163600 CA $45.60 04102/19 04/03/19 24692169092100987544239 OVC•576190265505•50F6 800-367-9444 PA $12.20 04102/19 04/03/19 24692169092100987544247 OVC•576293400902•50F5 800-367-9444 PA $11.96 04102/19 04/03/19 24692169092100987544254 OVC*576190265501•50F6 800-367-9444 PA $12.40 04102/19 04/03/19 24692169092100987544262 OVC•576190265504•50F6 800-367-9444 PA $12.20 04102/19 04/03/19 24692169092100987544270 OVC*576190265502•50F6 800-367-9444 PA $12.40 04102/19 04/03/19 24692169092100987544288 OVC*576190265503•50F6 800-367-9444 PA $12.20 04103/19 04/04/19 24692169093100587144389 OVC*576293400901•50F5 800-367-9444 PA $11.96 04104/19 04/05/19 24559309094900013552278 KOKOON. INC. DBA INHABIT 212-5753800 NY $195.17 04107/19 04/08/19 24906419097071088927894 Evme •136759268.VP 800-6765523 MN $23.31 04108/19 04/09/19 24692169098100584032439 NETFLIX.COM NETFLIX.COM CA $10.99 04108/19 04/09/19 24906419098071137216439 HLU'Hulu 956791386571-U HULU.COM/BILLCA S5.99 04109/19 04/10/19 24055239099083318848975 WALMART.COM 8009666546 800-966-6546 AR S39.58 04/10/19 04/10/19 24431069100083037097804 TARGET.COM • 800-591-3869 MN S25.22 04/10/19 04/11/19 24692169100100785921807 OVC*576648875501•50F6 800-367-9444 PA $13.06 04/11/19 04/11/19 24431069101083038896528 TARGET.COM • 800-591-3869 MN S427 04/11/19 04/11/19 24431069101083040724120 TARGET.COM • 800-591-3869 MN S33.15 04/10/19 04/11/19 74313229100100778375013 AMZ*Damel Footwear amzn.conVp-nts $226.68 Navy Federal Credit Union SP 001 EFTA00124756 P visa Sgnature as/Rewards pn,4d. TRANSACTIONS • FOREIGN CURRENCY 172.75 GBP RATE 0.76209 TOTAL New Activity for GLENDA ANDERSON-LAYNE S7.266.01 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 53.00 Total Interest charged m 2019 $97 12 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) Is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Purchases 11.90% (v) $0.00 $0.00 Cash Ad/aloes 13.90%(v) $0.00 $0.00 Bal TrlitawChle 11.90%(v) $0.00 $0.00 (v) = Variable Rate • Bat Trf/Cony Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest Interest is assessed from the transaction date to the date the amount is paid in hill. Navy Federal Credit Union SP 001 EFTA00124757 NAVY 3 FEDERAL Credit Union Vtsa Sgnature eeroheRewards MINIMUM PAST DUE PAYMENT I NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 21.00 0.00 06/08/2019 1,006.34 xxxx xxxx xxxx $ • PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MNL TO: NAVY FEDERAL GLENDA ANDERSON-LAYNE •• 0119970 P.O. BOX 3500 MERRIFIELD VA 22119-3500 XX XX XX X X X X X X X X X X X XX XX XX XX X X X X X X X X X X X XX XX XX XX X X X X X ACCOUNT NUMBER KOOOPOIX= Vea Spate eaai Rewards Page 1014 ACCESS NUMBER SUMMARY OF ACCOUNTACTT/17Y PAYMENT INFORMATION QUESTIONS Previous Balance $5.871.73 New Balance 51,006.34 Credit Card Services 1303842.6328 Payments 47.301 73 Minimum Payment Due $21.00 Other Credits 446.97 Payment Due Date 08/0812019 Send Billing Inquiries To: Purchases +52.483.31 Late Payment Warning:If we do not receive your Navy Federal credit union Cash Advances +$0.00 mina-num payment by the date listed above. you may P.O. Box 3601 have to pay a $20.00 late fee and your APRs may be Metalloid VA 22119-3501 Fees Charged +$0.00 increased up to the Penalty APR of 18.00%. Interest Charged +$0.00 Send Payments To: Minimum Payment Warning: If you make only the New Balance $1.006.34 Navy Federal minimum payment each period. you will pay more in P.O. Box 1507 Past Due Amount S0.00 interest and it veal take you longer to pay off your PAerriaind VA 22119-3500 Over Limit Amount $0.00 balance. For example: Credit Limit 56,500.00 youmake no To view your account thewblatipaanyceolf And you will end additional chargers You online Available Credit $5,493.66 up paying an Cash Limit $3,250.00 Wing the card andeach month Shawn on this estrnaled you xould Ike Intomiatico about Available Cash $3,250.00 statement ri Iola/ of... credit counselng services. go to you Pay Statement Closing Date 05/11/2019 MIpsllw.wjustiee.gov/usblist• Only the rnnimum etedil.counseling-agencies. Da s In Billi C cle 30 6 yews 51.399 Opproved-putsuardr11.us.,111 Payment 51.188 Cr call 1-886-503-7106. 533 3 yews (Savings • $211) REWARDS SUMMARY Start Balance Earned Bonus Redeemed Adjusted Purged End Balance $28.19 $36.50 $0.00 $0.00 $0.00 $0.00 S64.69 Redemptions we not permitted an dosed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By Amount 04/15/19 04/15/19 74[609691050680504100[0 NFO PAYMENT RECEIVED x:ocic max uxx $871.73 04/21/19 04/22/19 74[60969112063020420008 NFO PAYMENT RECEIVED Lox max xxxx $330.00 04/21/19 04/22/19 74[60969112068130420004 NFO PAYMENT RECEIVED Lox max xxxx $100.00 04/26/19 04/26/19 74000969116800000007362 PAYMENT RECEIVED —THANK Loa nxx max $6.000.00 YOU 04/29/19 04/30/19 74313229119100807727035 AMZ*Daniel Footwear Lox =coma= $46.97 amzn.com/pmts TOTAL PAYMENTS AND CREDITS $7,348.70 Navy Federal Credit Union SP 001 EFTA00124758 P • CREDIT CARD CHANGE OF ADDRESS • NrCU ACCOUNT NO. VISA ACCOUNT NO. RANKMATE NAMC FIRST LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: HOME TELEPHONE NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS MURK feltillUNe sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS Page 2014 Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 If you think there is an error on your statenent, write t0 us at: Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Navy Fetal Credit Union Emergency Assistance 1.600-VISA.911 P.O. Box 3501 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. In your letter, give us the following information: Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total • Account untinnabon: Your Nitre and account wits anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the • Donor amount The dcdar emelt of the suspected error moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad • Description of problem: If you think there is an sloe en your till, describe what you Street Journelen the first day of the previous month. Your Margin is a percentage amount believe is wrong and why you believe t is a mistake. that we determine based on an evaluation cf your credit history. You must contact us within 60 days after the error appeared en your statement. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. You must notify us ot any potential errors in wiling or electronically. You may call us, at NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy s' you do, we are not requked to investigate any potential errors, and you may have to Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this Pay the amount in question. address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may 1Vhde we investigate whether a not there has teen an error, the following are true: not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We • We cannot try to collect the anoint in question or report you as delinquent on that will accept late a partial payments without forfeiting any of Navy Federars rights under Munn. this Agreement Payments that are marked "paid in full' and that are of an amount less • The charge in question may remain en your statement, and we may continue to charge than the balance en the credit card account, or that are marked with any other nettle/he you interest on that amount. But, line determine that we made a riVtake, you will not endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card have to pay the amount in question a any interest or other fees related to that Division. mount. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will • Where you do not have t0 pay the amount In question, you are responsible for the be tilled to you in U.S. cellars. The rate ci exchange used for processing international reminder of your balance. transactions is a rate selected by Visa from the range of rates available in wholesale • We can apply any unpaid null aganst your credit WO_ cerrency markets fa the applicable central proceseng date, which rate may vary from the Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. have the rigM not to pay the remaining amount due en the purchase. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, To use this right, all of the foaming must be Due: and convenience dads on the transaction date. 1. Tel surcease must have been made n you home state a yethin 100 man of your ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. anent mailing address, and the pu rchase price must have been more than $50. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use (Note Nether a these is necessary d your purchase was based on an advertisement your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by we mailed t0 you, or d we oval the company that sad you the goods a services.) the owner of the ATM. 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not Now We Determine The Amount Of Interest Charges: Nary Federal calculates guilty. Interest charges do your account by applying the periodic rate to the average daily 3. You must not yet have fury paid fa the purchase. balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses If all of the acerb above are met and you are still dissatisfied with the purchase, contact and cash advances, and subtract any payments, eedits, and unpaid interest charges to us in twang or electronically at: give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle Navy Federal Cleat Union and dNide the total by the number ci days In the baling cycle. This ghats us the average P.O. Box 3501 daily balance. You can find your 'average daily balance' for each being cycle in the Merrifield, VA 22119 'Balance Subject W Interest Rate' column of y0u statement. You may also contact us electsenicaIN through Online Banking at navyfederal.org. Payment Allocation: in general, we WI apply your minimum payment to the overtime Wee we investigate, the same rules apply to the &puled amount as ciscussed above. anoint (if any), inteest, and fees first beat applying it to principal balances. If your Me we finish our investigadon, we will tell you our decision. At that point, d we think account has balances with different APRs, we Wit apply the Minimal, payment first to the you ate an Mount and you do not pay, we may report you as delinquent. balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Navy Federal Credit Union SP 001 EFTA00124759 NAVY FEDERAL WaSignatue eart/Rewards Credit Union Para of 4 TRANSACTIONS GLENDA ANDERSON-LAYNE xxcx tan mac MI Trans Date Post Date Reference No. Description Amount 04712719 04/15/19 24906419102071348029872 HSWHSN1556820492 50F6 800-9332887 FL S6.90 04712/19 04/15/19 24906419102071350465438 HSWHSN1556820495 50F6 800-9332887 FL S6.90 04712/19 04/15/19 24906419102071351036590 HSICHSN1576110912 20F3 800-9332887 FL $23.33 04714/19 04/15/19 24906419104071444898865 HSWHSN1576674991 20F3 800-9332887 FL $26.65 04716/19 04/17/19 24692169106100575800815 EXPEDIAAFtP111778759576 800-675-4318 WA $884.04 04717/19 04/18/19 24906419107071608734604 HSICHSN1564849507 40F6 800-9332887 FL 56.83 04717/19 04/18/19 24906419107071607334349 HSICHSN1564849506 40F6 800-9332887 FL 56.83 04717/19 04/18/19 24906419107071607445970 HSICHSN1564848527 40F6 800-9332887 FL 56.83 04717/19 04/18/19 24906419107071605062512 HSICHSN1564848547 40F6 800-9332887 FL S6.83 04718/19 04/19/19 24906419108071690385104 HSICHSN1583152421 800-9332887 FL $42.79 04/18/19 04/19/19 24906419108071650385013 HSICHSN1583152419 800-9332887 FL $42.79 04718/19 04/19/19 24906419108071650978221 HSICHSN1583152420 800-9332887 FL $42.79 04/19719 04/22/19 24906419109071715003321 HSWHSN1548827625 60F6 800-9332887 FL $54.99 04720/19 04/22/19 24692169110100730865039 OVC*577053471201'50F6 800-367-9444 PA S7.62 04720/19 04/22/19 24240529110602171375304 HEALTHY GOODS 541-203-4402 OR $104.32 04720/19 04/22/19 24431059110207880377202 D'ARTAGNAN - ECOMM 800-327-8426 NJ $144.82 04723/19 04/24/19 24692169113100315010601 OVC*575715176801'60F6 800-367-9444 PA S7.62 04723/19 04/24/19 24492159113637386591244 SP • GINGERCHI GINGERCHI.MYSNY S79.10 04724/19 04/25/19 24692169114100872914749 OVC*577282450201'50F6 800-367-9444 PA $130.64 04724/19 04/25/19 24692169114100872914758 OVC*577282450203'50F6 800-367-9444 PA 58.88 04724/19 04/25/19 24692169114100872914784 OVC*577282450202'50F6 800-367-9444 PA 58.88 04724/19 04/25/19 24692169114100872914772 OVC*575782270801'60F6 800-367-9444 PA $11.23 04724/19 04/25/19 24690519114286460300108 YUMMIE 212-704-4242 NY 512.06 04724/19 04/25/19 24690519114286460300124 YUMMIE 212-704-4242 NY S3.50 04725/19 04/26/19 24692169115100457673968 OVC*575715176701'60F6 800-367-9444 PA S7.62 04727/19 04/29/19 24204299117002879654838 IHERB.COM 195-16163600 CA $61.35 05103/19 05/06/19 24692169123100300099385 OVC•576190265501'60F6 800-367-9444 PA $12.40 05103/19 05/06/19 24692169123100300099393 OVC•576190265502'60F6 800-367-9444 PA $12.40 05103/19 05/06/19 24692169123100300099401 OVC•576 I90265504'60F6 800-367-9444 PA $12.20 05103/19 05/06/19 24692169123100300099419 OVC•576190265505'60F6 800-367-9444 PA $12.20 05103/19 05/06/19 24692169123100300099427 OVC•576190265503'60F6 800-367-9444 PA $12.20 05107/19 05/08/19 24055229127200755000018 ARMY NAVY OUTDOORS NL II 954-973-6389 FL $131.96 05106/19 05/08/19 24445009128600053922332 HAUTLK RACK8885478438 888-547-8438 CA $224.51 05107/19 05/08/19 24908419127072707518936 Ever* '136759268.VP 800-6765523 MN $23.31 05108/19 05/09/19 24906419128072769520969 HLU'Hulu 956791388448-U HULU.COM/BILLCA 55.99 05108/19 05/10/19 24013399129001162058654 AT WEST END ATWESTEND.COMMS $290.00 TOTAL New Activity for GLENDA ANDERSON-LAYNE 52,483.31 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $0.00 Total Interest charged in 2019 $97.12 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) Is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Puchasee 11.90%(v) 50.00 $0.00 Cash Advances 13.90% (v) $0.00 $0.00 Navy Federal Credit Union SP 001 EFTA00124760 P Visa Signature firs/ Rewards INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Bel TrI/CaTiChle 11.90%(v) 50.00 50.00 (v) = Variable Rate • Bat TrUConv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest Interest is assessed from the transaction date to the date the amount is paid in full. Navy Federal Credit Union SP 001 EFTA00124761 NAVY 3 FEDERAL Credit Union Visa Sgnature eeroheRewards MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 0.00 0.00 07/08/2019 1,388.24 xxxx xxxx xxxx $ PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAUL TO: NAVY FEDERAL GLENDA ANDERSON-LAYNE as 00106104 P.O. BOX 3500 MERRIFIELD VA 22119-3500 XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX ACCOUNT NUMBER JO= 'COX earn= VisaSoave eaai Rewards Pagel old ACCESS NUMBER SUMMARY OF ACCOUNT ACTIVITY_ PAYMENT INFORMATION QUESTIONS Previous Balance $1,006.34 New Balance 31,388.24 Credit Card Services 1-838-842.6328 Payments 41.006.31 Minimum Payment Due NONE Other Credits 4278.56 Payment Due Date 07/08/2019 Send Billing Inquiries To: Purchases +$1.686.80 Late Payment Warning:If we do not receive your Navy Federal Credit union Cash Advances 440.00 mina-num payment by the date listed above. you may P.O. Box 3601 have to pay a $20.00 late fee and your APRs may be Iletalle10 VA 22119-3501 Fees Charged +50.00 increased up to the Penalty APR of 18.00%. Interest Charged +50.00 Send Payments To: Minimum Payment Warning: If you make only the New Balance $1,388.24 Navy Federal minrnum payment each period. you will pay more in P.O. Box 3600 Past Due Amount $0.00 interest and it veal take you longer to pay off your merrinew VA 22119-3500 Over Limit Amount 50.00 balance. For example: Credit Limit 58,000.00 youmake no To view your account blalipaenyceptt Available Credit $6,611.76 additiarial charges You thew And you will end online vita navyardionolOrg. up paying an Cash Limit 54,00000 using the card and each month shown on this morseled if you would Ike miommlico about Available Cash $4,000.00 statement it told of... credit counseIng tents... go to you Pay Statement Closing Date 06/11/2019 https./hreverejustCe.gCnifuebliet- Only the rnnimum eredil.cOunsering-agendeS• Days In Billing Cycle 31 9 years 12.166 approved-pursuarit.11•W>111 payment 51.656 a call 1-888-503-7108. S46 3 years (Savings • 5512) IMPORTANT NOTICES CONGRATULATIONS! WE ARE PLEASED TO INFORM YOU THAT YOUR CREDIT LINE HAS BEEN INCREASED! YOUR NEW LIMIT IS $8.000.00 . THANK YOU FOR ALLOWING US THE OPPORTUNITY TO SERVE YOU. IF EVER YOU NAVE A OLESTION ABOUT YOUR ACCOUNT, PLEASE 00 NOT HESITATE TO CALL. REWARDS SUMMARY Start Balance Earned Bonus Redeemed Adjusted Purged End Balance $64.69 $20.77 $0.00 S0.00 $0.00 $0.00 $65.46 Redemptions are not permitted on closed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By Amount 05/21/19 05/23;19 74013399142002926049688 AT WEST END JACKSON xxxx xxxx max $246.50 MS 05/26/19 05/28/19 74050959148060340520002 NFO PAYMENT RECEIVED sync toms max!MI $1,006.34 06/01/19 06;03/19 74692169152100098492918 AMZN Mktp US sync toms max $32.06 Amzn.corn/billWA TOTAL PAYMENTS AND CREDITS $1,284.90 Navy Federal Credit Union SP 001 EFTA00124762 P • CREDIT CARD CHANGE OF ADDRESS • NrCU ACCOUNT NO. VISA ACCOUNT NO. RANKMATE NAMC FIRST LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: HOME TELEPHONE NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS MURK feltillUNe sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS Page 2014 Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 If you think there is an error on your statenent, write t0 us at: Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Navy Fetal Credit Union Emergency Assistance 1.600-VISA.911 P.O. Box 3501 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. In your letter, give us the following information: Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total • Account untinnabon: Your Nitre and account wits anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the • Donor amount The dcdar emelt of the suspected error moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad • Description of problem: If you think there is an sloe en your till, describe what you Street Journelen the first day of the previous month. Your Margin is a percentage amount believe is wrong and why you believe t is a mistake. that we determine based on an evaluation cf your credit history. You must contact us within 60 days after the error appeared en your statement. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. You must notify us ot any potential errors in wiling or electronically. You may call us, at NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy s' you do, we are not requked to investigate any potential errors, and you may have to Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this Pay the amount in question. address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may 1Vhde we investigate whether a not there has teen an error, the following are true: not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We • We cannot try to collect the anoint in question or report you as delinquent on that will accept late a partial payments without forfeiting any of Navy Federars rights under Munn. this Agreement Payments that are marked "paid in full' and that are of an amount less • The charge in question may remain en your statement, and we may continue to charge than the balance en the credit card account, or that are marked with any other nettle/he you interest on that amount. But, line determine that we made a riVtake, you will not endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card have to pay the amount in question a any interest or other fees related to that Division. mount. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will • Where you do not have t0 pay the amount In question, you are responsible for the be tilled to you in U.S. cellars. The rate ci exchange used for processing international reminder of your balance. transactions is a rate selected by Visa from the range of rates available in wholesale • We can apply any unpaid null aganst your credit WO_ cerrency markets fa the applicable central proceseng date, which rate may vary from the Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. have the rigM not to pay the remaining amount due en the purchase. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, To use this right, all of the foaming must be Due: and convenience dads on the transaction date. 1. Tel surcease must have been made n you home state a yethin 100 man of your ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. anent mailing address, and the pu rchase price must have been more than $50. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use (Note Nether a these is necessary d your purchase was based on an advertisement your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by we mailed t0 you, or d we oval the company that sad you the goods a services.) the owner of the ATM. 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not Now We Determine The Amount Of Interest Charges: Nary Federal calculates guilty. Interest charges do your account by applying the periodic rate to the average daily 3. You must not yet have fury paid fa the purchase. balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses If all of the acerb above are met and you are still dissatisfied with the purchase, contact and cash advances, and subtract any payments, eedits, and unpaid interest charges to us in twang or electronically at: give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle Navy Federal Cleat Union and dNide the total by the number ci days In the baling cycle. This ghats us the average P.O. Box 3501 daily balance. You can find your 'average daily balance' for each being cycle in the Merrifield, VA 22119 'Balance Subject W Interest Rate' column of y0u statement. You may also contact us electsenicaIN through Online Banking at navyfederal.org. Payment Allocation: in general, we WI apply your minimum payment to the overtime Wee we investigate, the same rules apply to the &puled amount as ciscussed above. anoint (if any), inteest, and fees first beat applying it to principal balances. If your Me we finish our investigadon, we will tell you our decision. At that point, d we think account has balances with different APRs, we Wit apply the Minimal, payment first to the you ate an Mount and you do not pay, we may report you as delinquent. balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Navy Federal Credit Union SP 001 EFTA00124763 NAVY C FEDERAL visa Signature ar/fReward.s Credit Union TRANSACTIONS GLENDA ANDERSON-LAYNE xxxx xxxx xxxx Trans Date Post Date Reference No. Description Amount 05/10/19 05/13/19 24692169130100491934847 NETFLIX.COM NETFLIX.COM CA S12.99 05711/19 05/13/19 24692169131100014831297 OVC*576648875501•60F6 800-367-9444 PA $13.06 05712/19 05/13/19 24908419132072957448799 HSWHSN1576110912 30F3 800-9332887 FL $23.33 05712/19 05/13/19 24908419132072959092039 HSWI-I5N1556820492 60F6 800-9332887 FL S6.90 05714/19 05/15/19 24908419134073053314178 HSICHSN1576674991 30F3 800-9332887 FL $26.65 05717/19 05/20/19 24906419137073222063224 HSICHSN1564849506 50F6 800-9332887 FL 56.83 05717/19 05/20/19 24906419137073222303364 HSICHSN1564848547 50F6 800-9332887 FL 56.83 05717/19 05/20/19 24906419137073225281690 HSWI-I5N1564849507 50F6 800-9332887 FL 56.83 05717/19 05/20/19 24906419137073225327006 HSWI-I5N1564848527 50F6 800-9332887 FL S6.83 05717/19 05/20/19 24785019139206325740879 RADIANT LIFE COMPANY 888-593-9595 CA $125.28 05718/19 05/20/19 24908419138073285743802 HSWHSN1564848547 60F6 800-9332887 FL 56.83 05/18/19 05/20/19 24908419138073284919734 HSICHSN1564849507 60F6 800-9332887 FL 56.83 05/18/19 05/20/19 24908419138073284997278 HSICHSN1556820495 60F6 800-9332887 FL 56.90 05/18/19 05/20/19 24908419138073285899323 HSICHSN1564849506 60F6 800-9332887 FL 56.83 05/18/19 05/20/19 24908419138073287082458 HSICHSN1564848527 60F6 800-9332887 FL 56.83 05/20/19 05/21/19 24492159140637240429182 SP • YUMMY BAZAAR INC YUMMYBA7_AAR.MNJ $113.31 05/20/19 05/21/19 24431069140083707357316 AMZN MICTP US*MN49G1V32 AMAMZN.COMIBILLWA 519.95 05/21/19 05/22/19 24692169141100632867893 OVC*577053471201•60F6 800-367-9444 PA 57.62 05/21/19 05/22/19 24431069141083305556748 AMAZON.COMWN9R6IHN2 AMZNAMZN.COKLBILLWA 523.09 05/22/19 05/22/19 24431069142083048519424 TARGET.COM • 800-591-3869 MN 535.79 05/22/19 05/23/19 24692169142100409307751 AMZN Mktp US*MN2WH3BI2 Amzn.com/biIIWA 532.06 05/21/19 05/23/19 24676459142500519975055 VITAL CHOICE SEAFOOD 306-603-9549 WA $152.15 05/25/19 05/27/19 24692169145100212058899 OVC*577282450203•60F6 800-367-9444 PA 58.88 05/25/19 05/27/19 24692169145100212056907 OVC*577282450202•60F6 800-367-9444 PA 58.88 05/25/19 05/27/19 24692169145100212058915 OVC*577282450201•60F6 800-367-9444 PA $130.64 05/28/19 05/30/19 24676459149500485765780 VITAL CHOICE SEAFOOD 306-603-9549 WA 5111.60 06102/19 06/03/19 24492159153637691035870 COLES WILLBURBANK.SRI S52.35 06102/19 06/03/19 24492159153637681335767 COLES WILLBURBANK.SRI 544.92 06102/19 06/03/19 24445009154600042250113 HAUTLK RACK8885478438 888-547-8438 CA $124.73 06102/19 06/04/19 24445009154500313959949 SIERRA WEB-INTERNET 800-713-4534 WY 599.95 06104/19 06/04/19 24431069155083033428643 TARGET.COM • 800-591-3869 MN 516.66 06104/19 06/04/19 24431069155083034520372 TARGET.COM • 800-591-3869 MN 519.65 06102/19 06/05/19 24639239155900019905800 THE REPUBLIC OF TEA. INC.800-2984832 CA 534.30 06105/19 06/06/19 24492159158637030382840 VICENZO LEATHER VICENZOLEATHETX S63.96 06106/19 06/07/19 24906419157074316875007 Even° •136759268.VP 800-6765523 MN 523.31 06108/19 06/10/19 24692169159100447376834 OVC*5821471469muldine 800-367-9444 PA $44.97 06108/19 06/10/19 24692169159100460608489 NETFLIX.COM NETFLIX.COM CA S12.99 06108/19 06/10/19 24908419159074418034139 HLU'Hulu 956791389120-U HULU.COM/BILLCA S5.99 06109/19 06/10/19 24431069160200685969322 SHEAR ENTERPRISES. LLC 727-898-8400 FL $151.36 06710/19 06/11/19 24055239161083306558718 WALMART.COM 8C09666546 800-966-6546 AR 557.94 TOTAL New Activity for GLENDA ANDERSON-LAYNE $1466.80 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 50.00 Total Interest charged in 2019 S97.12 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge I Purchases 11.90% (v) $0.00 $0.00 Navy Federal Credit Union SP 001 EFTA00124764 P Visa Signature firs/ Rewards INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Cash Athances 13.90% (v) $0.00 $0.00 Bel TrI/Conv ChM 11.90% (v) $0.00 $0.00 (v) = Variable Rate ' Bat TrUConv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest Interest is assessed from the transaction date to the date the amount is paid in full. Navy Federal Credit Union SP 001 EFTA00124765 NAVY 3 FEDERAL Credit Union Vtsa Sgnature eeroheRewards MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 41.00 0.00 08/08/2019 2,023.94 xxxx xxxx xxxx $ PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAUL TO: NAVY FEDERAL GLENDA ANDERSON-LAYNE 22 00.04.13 P.O. BOX 3500 MERRIFIELD VA 22119-3500 XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX ACCOUNT NUMBER xxxx 'ECU =OM YeaSwan eaai Rewards Pape 1old ACCESS NUMBER SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION QUESTIONS Previous Balance $1.388.24 New Balance $2,023.94 Credit Card Semites 14011-942.6328 Payments 40.00 Minimum Payment Due $41.00 Other Credits 4478.95 Payment Due Date 0810812019 Send Billing Inquiries To: Purchases +$1.098.80 Late Payment Warning:If we do not receive your Navy Federal credit Union Cash Advances +$0.00 mina-num payment by the date listed above. you may P.O. Box 3601 have to pay a $20.00 late fee and your APRs may be Merallel4 VA 22119-3501 Fees Charged +$0.00 increased up to the Penalty APR of 18.00%. Interest Charged +515.85 Send Payments To: Minimum Payment Warning: If you make only the New Balance $2,023.94 Navy Federal minrnum payment each period. you will pay more in P.O. Box 3.503 Past Due Amount $0.00 interest and it veal take you longer to pay off your meniner4 VA 22119-3500 Over Limit Amount $0.00 balance. For example: Credit Limit $8,000.00 II youmake no To now yaw account off Available Credit $5978.06 additional charges You wit pay And you wit anti Palate Weil havyledertd.0.9. the balance up paying an Cash Limit $4,000.00 using this card and each month shown on this estimated For intormesan about ciedil Available Cash $4.000.00 statement ii told of... NonsoANI graces. you may you pay... go Is hupwwavriustiocrgoetusu Statement Closing Date 07111/2019 ltsiwrecto.counsoling.apancles. Only the minimum approattilursuant.11.usc-tit. Days In Billing Cycle 30 11 years 33.383 Perron! or calli-530-503.7106. 12.412 $67 3 yews (Savings • 3971) REWARDS SUMMARY Start Balance Earned Bonus Redeemed Adjusted Purged End Balance $85.46 $9.28 $0.00 $0.00 $0.00 $0.00 $94.74 Redemptions we not permitted an dosed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trims Date Post Date Reference No. Description Submitted By Amount 06/12/19 06/13/19 744450091e48000513873401 HAUTLK RACK8885478438 sax( =cc max= $218.56 888-5478438 CA 06/21/19 06/24/19 74676459173000948757544 VITAL CHOICE SEAFOOD x:occ ant w - $17.85 BELLINGHAM WA 07101/19 07/02/19 74055229163400221006018 ARMYNAVYOUTDOORS.COM Loa max max= $123.01 JACKSONVILLE FL 07109/19 07/10/19 74431059191200587694257 SHEAR ENTERPRISES, LLC ST root )cc000cxx= $119.53 PETERSBURGFL TOTAL PAYMENTS AND CREDITS $478.95 Navy Federal Credit Union SP 001 EFTA00124766 P • CREDIT CARD CHANGE OF ADDRESS • NrCU ACCOUNT NO. VISA ACCOUNT NO. RANKMATE NAMC FIRST LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: HOME TELEPHONE NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS MURK feltillUNe sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS Page 2014 Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 If you think there is an error on your statenent, write t0 us at: Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Navy Fetal Credit Union Emergency Assistance 1.600-VISA.911 P.O. Box 3501 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. In your letter, give us the following information: Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total • Account untinnabon: Your Nitre and account wits anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the • Donor amount The dcdar emelt of the suspected error moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad • Description of problem: If you think there is an sloe en your till, describe what you Street Journelen the first day of the previous month. Your Margin is a percentage amount believe is wrong and why you believe t is a mistake. that we determine based on an evaluation cf your credit history. You must contact us within 60 days after the error appeared en your statement. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. You must notify us ot any potential errors in wiling or electronically. You may call us, at NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy s' you do, we are not requked to investigate any potential errors, and you may have to Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this Pay the amount in question. address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may 1Vhde we investigate whether a not there has teen an error, the following are true: not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We • We cannot try to collect the anoint in question or report you as delinquent on that will accept late a partial payments without forfeiting any of Navy Federars rights under Munn. this Agreement Payments that are marked "paid in full' and that are of an amount less • The charge in question may remain en your statement, and we may continue to charge than the balance en the credit card account, or that are marked with any other nettle/he you interest on that amount. But, line determine that we made a riVtake, you will not endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card have to pay the amount in question a any interest or other fees related to that Division. mount. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will • Where you do not have t0 pay the amount In question, you are responsible for the be tilled to you in U.S. cellars. The rate ci exchange used for processing international reminder of your balance. transactions is a rate selected by Visa from the range of rates available in wholesale • We can apply any unpaid null aganst your credit WO_ cerrency markets fa the applicable central proceseng date, which rate may vary from the Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. have the rigM not to pay the remaining amount due en the purchase. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, To use this right, all of the foaming must be Due: and convenience dads on the transaction date. 1. Tel surcease must have been made n you home state a yethin 100 man of your ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. anent mailing address, and the pu rchase price must have been more than $50. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use (Note Nether a these is necessary d your purchase was based on an advertisement your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by we mailed t0 you, or d we oval the company that sad you the goods a services.) the owner of the ATM. 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not Now We Determine The Amount Of Interest Charges: Nary Federal calculates guilty. Interest charges do your account by applying the periodic rate to the average daily 3. You must not yet have fury paid fa the purchase. balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses If all of the acerb above are met and you are still dissatisfied with the purchase, contact and cash advances, and subtract any payments, eedits, and unpaid interest charges to us in twang or electronically at: give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle Navy Federal Cleat Union and dNide the total by the number ci days In the baling cycle. This ghats us the average P.O. Box 3501 daily balance. You can find your 'average daily balance' for each being cycle in the Merrifield, VA 22119 'Balance Subject W Interest Rate' column of y0u statement. You may also contact us electsenicaIN through Online Banking at navyfederal.org. Payment Allocation: in general, we WI apply your minimum payment to the overtime Wee we investigate, the same rules apply to the &puled amount as ciscussed above. anoint (if any), inteest, and fees first beat applying it to principal balances. If your Me we finish our investigadon, we will tell you our decision. At that point, d we think account has balances with different APRs, we Wit apply the Minimal, payment first to the you ate an Mount and you do not pay, we may report you as delinquent. balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Navy Federal Credit Union SP 001 EFTA00124767 NAVY FEDERAL Yea agnatise arh eRewards Credit Union Pay 304 TRANSACTIONS GLENDA ANDERSON-LAYNE =a am max Ili Trans Date Post Date Reference No. DescrIplion Amount 06/10/19 06/12/19 24789309162696603266118 STONEWALL KITCHENCORP 2074512713 ME $43.51 06/11/19 06/13/19 24789309163701303925109 STONEWALL KITCHENCORP 207-3512713 ME $43.38 06/18/19 06/18/19 24204299169000610674948 KEEN INC 165-03232055 OR $130.65 06/19/19 06/20/19 24055229170200839500375 ARMYNAVYOUTDOORS.COM 904-725-5000 FL $113.23 06/21/19 06/24/19 24492159172637815163894 SP • ANGELA CAGLIA HTTPSANGELACACA $116.00 06/21/19 06/24/19 24906419172075086870160 Evine '138612940 800-6765523 MN $81.46 07/01/19 07/02/19 24492159182637324543765 SP • ANGELA CAGLIA HTTPSANGELACACA $158.40 07/06/19 07/08/19 24906419187075892255534 Ems '136759268.VP 800-6765523 MN $23.31 07/07/19 07/08/19 24492159188637633912680 COLES WILLBURBANK.SRI $67.83 07/08/19 07/09/19 24692169189100742841538 NETFLIX.COM NETFLIX.COM CA $12.99 07/08/19 07/09/19 24055239189083313531468 WALMART.COM 8009666546 800-966-6546 AR $65.18 07/08/19 07/09/19 24908419189075966837751 HLU'Hulu 956791389652-U HULU.COM/BILLCA S5.99 07/09/19 07/10/19 24692169190100220509396 OVC*582I47146903•20F3 800467-9444 PA $14.99 07/09/19 07/10/19 24692169190100220509404 OVC•582I47146901'20F3 800467-9444 PA $14.99 07/09/19 07/10/19 24692169190100220509412 OVC*582147146902•20F3 800467-9444 PA $14.99 07/08/19 07/10/19 24081629190017037697879 COCOCARE PRODUCTS 973-989-8880 NJ S97.95 07/09/19 07/10/19 24332399191010509162239 DR. NATURA 800-8770414 WV $93.95 TOTAL New Activity for GLENDA ANDERSON-LAYNE $1.098.80 INTEREST CHARGED DeecrIplion Amount INTEREST CHARGE-PURCHASES $15.85 TOTAL INTEREST $15.85 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $0.00 Tots Interest charged ri 2019 $112.97 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Flrohases 11.90%(v) $1.597.91 $15.85 Cash AcNerces 13.90% (v) 50.00 $0.00 Bal TrItonvChle 11.90%(v) $0.00 $0.00 (v) = Variable Rate • Bal TrUConv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest Interest is assessed from the transaction date to the date the amount is paid in full. Navy Federal Credit Union Sp 001 EFTA00124768 Visa Signature ( al / Rewards Navy Federal Credit Union SP 001 EFTA00124769 NAVY 3 FEDERAL Credit Union Vtsa Sgnature eeroheRewards MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 0.00 0.00 09/08/2019 247.65 xxxx xxxx xxxx $ PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL GLENDA ANDERSON-LAYNE •• 0119118 P.O. BOX 3500 MERRIFIELD VA 22119-3500 XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX ACCOUNT NUMBER IOWA KW xxxx I= VisaSwan eaai Rewards Pape l old ACCESS NUMBER SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION QUESTIONS Previous Balance New Balance 5247.85 Credit Card Services 1488-842.6328 Payments -52.952.10 Minimum Payment Due NONE Other Credits -$94.74 Payment Due Date 09/08/2019 Send Billing Inquiries To: Purchases +51.270.55 Late Payment Warning:If we do not receive your Navy Federal credit Union Cash Advances +$0.00 mina-num payment by the date listed above. you may P.O. Box NSW have to pay a $20.00 late fee and your APRs may be Laerrinew VA 22119.3501 Fees Charged +$0.00 increased up to the Penalty APR of 18.00%. Interest Charged +50.00 Seed Payments To: Minimum Payment Warning: If you make only the New Balance 5247.65 Navy Federal minrnum payment each period. you will pay more in P.O. Box 1503 Past Due Amount $0.00 interest and it veal take you longer to pay off your Lerrinvo VA 22119.3500 Over Limit Amount $0.00 balance. For example: Credit Limit $8,000.00 II youmake n0 To view your account Available Credit $7,752.35 thewit additenai charges You pay off And you will end balance PAM wan savyneeralsoes. up paying al Cash Limit $4,000.00 'Sang "la card shown on this esbrnaled For onlomislion about ciedil and each month Available Cash $4,000.00 statement it Iola! OunseAnII ;emu... you may You PaY about.. golf, nap awavolustioo.gottuse Statement Closing Date 08/11/2019 Ilibefocra.coonsolIneaoonclos. Only the minimum 15 month: opprovod•pursuonl.11.usc-111. Days In Billing Cycle 31 $268 Parnell' or call1408.503.7108 REWARDS SUMMARY Start Balance Earned Bonus Redeemed Adjusted Purged End Balance $94.74 i $19.05 $0.00 $91.74 $0.00 $0.00 $19.05 Redemptions are not permitted on closed or delinquent accounts. , TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By Amount 07113119 07/15/19 74030959196085300710007 NFO PAYMENT RECEIVED xxxx xxxx xxxx S500.00 07/13/19 07/15/19 74030959196003090710009 NFO PAYMENT RECEIVED xxxc xca =a= $500.00 07/15/19 07/16/19 740304)59197423820207328 CASH REWARDS Lox =coon= $90.74 07/24/19 07/24/19 74060959205082530720004 NFO PAYMENT RECEIVED xxxx xca =a= $1.350.37 08/08/19 08/08/19 74060959218088040800003 NFO PAYMENT RECEIVED root xxxx xxxx $801.73 TOTAL PAYMENTS AND CREDITS $3,046.84 TRANSACTIONS GLENDA ANDERSON-LAYNE =cc xxxx sass= Trans Date Post Date Reference No. Description Amount 07/14/19 07/15/19 24908419195078269932883 HSN'HSN1599210741 800-9332887 FL $17.49 07/14/19 07/15/19 24908419195078269933752 HSWHSN1599307560 10F5 800-9332887 FL S8.65 Navy Federal Credit Union SP 001 EFTA00124770 P • CREDIT CARD CHANGE OF ADDRESS • NrCU ACCOUNT NO. VISA ACCOUNT NO. RANKMATE NAMC FIRST LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: HOME TELEPHONE NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS MURK feltillUNe sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS Page 2014 Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 If you think there is an error on your statenent, write t0 us at: Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Navy Fetal Credit Union Emergency Assistance 1.600-VISA.911 P.O. Box 3501 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. In your letter, give us the following information: Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total • Account untinnabon: Your Nitre and account wits anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the • Donor amount The dcdar emelt of the suspected error moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad • Description of problem: If you think there is an sloe en your till, describe what you Street Journelen the first day of the previous month. Your Margin is a percentage amount believe is wrong and why you believe t is a mistake. that we determine based on an evaluation cf your credit history. You must contact us within 60 days after the error appeared en your statement. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. You must notify us ot any potential errors in wiling or electronically. You may call us, at NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy s' you do, we are not requked to investigate any potential errors, and you may have to Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this Pay the amount in question. address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may 1Vhde we investigate whether a not there has teen an error, the following are true: not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We • We cannot try to collect the anoint in question or report you as delinquent on that will accept late a partial payments without forfeiting any of Navy Federars rights under Munn. this Agreement Payments that are marked "paid in full' and that are of an amount less • The charge in question may remain en your statement, and we may continue to charge than the balance en the credit card account, or that are marked with any other nettle/he you interest on that amount. But, line determine that we made a riVtake, you will not endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card have to pay the amount in question a any interest or other fees related to that Division. mount. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will • Where you do not have t0 pay the amount In question, you are responsible for the be tilled to you in U.S. cellars. The rate ci exchange used for processing international reminder of your balance. transactions is a rate selected by Visa from the range of rates available in wholesale • We can apply any unpaid null aganst your credit WO_ cerrency markets fa the applicable central proceseng date, which rate may vary from the Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. have the rigM not to pay the remaining amount due en the purchase. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, To use this right, all of the foaming must be Due: and convenience dads on the transaction date. 1. Tel surcease must have been made n you home state a yethin 100 man of your ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. anent mailing address, and the pu rchase price must have been more than $50. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use (Note Nether a these is necessary d your purchase was based on an advertisement your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by we mailed t0 you, or d we oval the company that sad you the goods a services.) the owner of the ATM. 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not Now We Determine The Amount Of Interest Charges: Nary Federal calculates guilty. Interest charges do your account by applying the periodic rate to the average daily 3. You must not yet have fury paid fa the purchase. balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses If all of the acerb above are met and you are still dissatisfied with the purchase, contact and cash advances, and subtract any payments, eedits, and unpaid interest charges to us in twang or electronically at: give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle Navy Federal Cleat Union and dNide the total by the number ci days In the baling cycle. This ghats us the average P.O. Box 3501 daily balance. You can find your 'average daily balance' for each being cycle in the Merrifield, VA 22119 'Balance Subject W Interest Rate' column of y0u statement. You may also contact us electsenicaIN through Online Banking at navyfederal.org. Payment Allocation: in general, we WI apply your minimum payment to the overtime Wee we investigate, the same rules apply to the &puled amount as ciscussed above. anoint (if any), inteest, and fees first beat applying it to principal balances. If your Me we finish our investigadon, we will tell you our decision. At that point, d we think account has balances with different APRs, we Wit apply the Minimal, payment first to the you ate an Mount and you do not pay, we may report you as delinquent. balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Navy Federal Credit Union SP 001 EFTA00124771 NAVY FEDERAL waSignature arheRewards Credit Union ear304 TRANSACTIONS GLENDA ANDERSON-LAYNE xxcx sox tau Trans Date Post Date Reference No. Description Amount 07/14/19 07/15/19 24906419195076269138927 HSN'HSN1599210750 IOFS 800-9332887 FL $24.53 07/14/19 07/15/19 24906419195076269763738 HSWHSN1599210744 800-9332887 FL $17.49 07/14/19 07/15/19 24906419195076268078478 HSWHSN1599231978 IOFS 800-9332887 FL $11.34 07/14/19 07/15/19 24906419195076268821127 HSWHSN1599210745 800-9332887 FL $17.49 07/14/19 07/15/19 24906419195076268799725 HSWHSN1599307559 IOFS 800-9332887 FL $12.13 07/14/19 07/15/19 24906419195076270207501 HSWHSN1599210746 800-9332887 FL $17.49 07/14/19 07/15/19 24906419195076270230968 HSWHSN1599210743 IOFS 800-9332887 FL $12.13 07/14/19 07/15/19 24906419195076269578189 HSWHSN1599210740 800-9332887 FL $17.49 07/14/19 07/15/19 24900419195076260337217 HSWHSN1599231977 10F5 800-9332887 FL $11.34 07/17/19 07/18/19 24906419198076424084852 HSWHSN1599307558 10F2 800-9332887 FL $24.73 07/17/19 07/18/19 24492159198894797252159 BORGHESE INC 866-267-4437 NY 580.03 07/20/19 07/22/19 24492159201637271829688 BUTCHERBOX HTTPSWWW.BUTCMA $116.00 07/21/19 07/22/19 24492159202637317837100 CHOPSTIX - BAY RIDGE - STRIPE.COM CA 532.84 07/23/19 07/24/19 24906419204076718284244 HSWHSN1599231976 IOFS 800-9332887 FL 57.83 07/25/19 07/26/19 24137469207600121829829 HAUTLK RACK8885478438 888-547-8438 CA $133.88 07/28/19 0729/19 24692169209100040138700 MIKASA.COM 866-645-2721 NY $310.28 08/01/19 08/02/19 24492159213637809345898 SP • YUMMY BAZAAR INC YUMMY8A7_AAR.MNJ 554.17 08/03/19 08/05/19 24055239215083323319132 WALMART.COM 8009666546 800-9664546 AR $68.72 08/03/19 08/05/19 24906419215077317348684 HSWHSN1599238954 IOFS 800-9332887 FL $18.48 08/04/19 08/05/19 24906419216077359430910 HSN'HSN1599210751 IOFS 800-9332887 FL S8.37 08/05/19 08/06/19 24906419217077415962152 Eva-to '136759268.VP 800-6765523 MN 523.30 08/03/19 08/07/19 24639239218900015402243 THE REPUBLIC OF TEA. INC.800-2984832 CA 590.37 08/08/19 08/09/19 24692169220100859889295 NETFLIX.COM NETFLIX.COM CA S12.99 08/07/19 08/09/19 24639239220900015602673 THE REPUBLIC OF TEA. INC.800-2984832 CA $115.00 08/08/19 08/09/19 24906419220077570102425 HLU'Hulu 956791385014-U HULU.COM/BILLCA S5.99 TOTAL New Activity for GLENDA ANDERSON-LAYNE 51,270.55 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 50.00 Total Interest charged ri 2019 $112.97 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charm Puchases 11.90% (v) 50.00 50.00 Cash AoVarces 13.90% (v) 50.00 50.00 Bal Td/CoyChle 11.90%(v) 50.00 50.00 (v) = Variable Rate • Bal TrI/Caw Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest Interest is assessed from the transaction date to the date the amount is paid in full. Navy Federal Credit Union SP 001 EFTA00124772 Visa Signature ( al / Rewards Navy Federal Credit Union SP 001 EFTA00124773