EFTA00124822

NAVY 3 FEDERAL Credit Union eRewards Visa r MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 102.00 02/14/2019 2,529A2 xxxx xxxx xxxx $ PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MNL TO: NAVY FEDERAL MIGUEL A MONGE et 00leeL2 P.O. BOX 3500 MERRIFIELD VA 22119-3500 0252912100102004406095583209293040609558320929307 0%fterds Visa ACCOUNT NUMBER tan KW MX= Pa90 1 old ACCESS NUMBER SUMMARY OF ACCOUNT ACTWITY PAYMENT INFORMATION QUESTIONS Previous Balance New Balance $2.529.12 Credit Card Services 14041842.6328 Payments Minimum Payment Due $102.00 Other Credits Payment Due Date 02/1412019 Sand Billing Inquiries To: Purchases Late Payment Warning:lf we do not receive your Navy Federal Credit Union Cash Advances minimum 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 mermaid 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 52.529.12 Navy Federal minimum payment each period. you will pay mare in P.O. Box 3600 Past Due Amount interest and it will take you longer to pay off your PAerrilleid VA 22119-3500 Credit Limit $2.500.00 balance. For example: Available Credit NONE It youmake no To view your account Cash Limit $1,250.00 additional charges You thewit pay off balance And you wil end online vied nevyleder•10.1). up paying an Available Cash $0.00 Ming ths card shown on this estmaled If you would Ike mlommlicn about and each month - - Statement Closing Date 01/17/2019 statement ri total of... credit counselng seneces. go to you Pay... about.. Mos./hew* rustce.govrusblisl- Da a In BIIII C cle 31 Only the minimum credil.cconseeing-ageneMs- 22 Yews 17.560 approved-pursuare.11-us0111 Payment a call 1-808.503.7106. IMPORTANT NOTICES *NOTICE' YOUR ACCOUNT IS PAST DUE PLEASE REMIT YOUR PAYMENT ONLINE AT NAVYFEDERALORG. OR BY PHONE TOLUFREE AT 1800336-3767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PM, AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM. EASTERN TIME. IF YOU HAVE ALREADY REMITTED YOUR PAYMENT. PLEASE DISREGARD THIS NOTICE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS. MISSED PAYMENTS. OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance I I I I I 2.880 Redemptions are not permitted on closed or delinquent accounts. Rewards Details Rewards for Jan 2019 Qualified Spend Rewards Points Restaurants 50.00 fj2 3x 0 Gas Stations $0.00 fli/ 2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $0.00 0 Navy Federal Credit Union SP 001 EFTA00124822 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 EFTA00124823 NAVY C FEDERAL el, Visa Credit Union TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By Amount 12/28/18 12/28/18 TRANSACTIONS FEES Trans Date Post Date Reference No. Description Amount 01/17/19 01/17/19 PMT PROTECTION PLAN PRIMARY LIFE/DISAU 56.86 TOTAL FEES $6.86 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES $37.34 TOTAL INTEREST 537.34 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 56.86 Total Interest charged in 2019 537.34 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 Ptrchases 18.00% (v) 52.488.96 $37.34 Cash ArNances 18.00% (v) 50.00 S0.00 Bel TrI/CawChle 18.00%(v) 50.00 S0.00 (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. CONQUER Achieve financial victory with a low rate APR Balance Transfer. lust transfer your high rate balance from another lender to YOUR DEBT your Navy Federal Credit Card. navytederatorg/myBT Insured by NCUA. Navy Federal Credit Union SP 001 EFTA00124824 Visa Navy Federal Credit Union SP 001 EFTA00124825 NAVY 3 FEDERAL Credit Union eRewards Visa MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 50.00 0.00 03/14/2019 2,490.83 xxxx xxxx xxxx PLEASE worcATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND NAL TO: NAVY FEDERAL MIGUEL A MONGE sr 00tibb20 P.O. BOX 3500 MERRIFIELD VA 22119-3500 0249083700050005406095583209293040609558320929302 0%fterds Visa ACCOUNT NUMBER tan =OS= Paco t old ACCESS NUMBER SUMMARY OF ACCOUNTACTIVITY PAYMENT INFORMATION QUESTIONS Previous Balance $2.529.12 New Balance $2.490.83 Credit Card Services 1.8843-842.6328 Payments -$102.00 Minimum Payment Due $50.00 Other Credits 40.00 Payment Due Date 03/14/2019 Send Billing Inquiries To: Purchases +50.00 Late Payment Warning:lf we do not receive your Navy Federal Credit Union Cash Advances +50.00 minimum 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 MeffilleN VA 22119-3501 Fees Charged +526.75 increased up to the Penalty APR of 18.00%. Interest Charged +536.96 Stead Payments To: Minimum Payment Warning: If you make only the New Balance $2.490.83 Navy Federal minimum payment each period. you will pay more in P.O. Box 3600 Past Due Amount $0.00 interest and it will take you longer to pay off your Merrifield VA 22119-3500 Credit Limit $2,500.00 balance. For example: Available Credit $9.17 If youmake no To view your account Cash Limit $1,250.00 additional charges You theNil pay off balance And you will end Online Wird nsyyfeellIrIbl.0.2. up paying an Available Cash $9.17 using Ms card shaven on this esOrnaletl If you would Ike stiomialicri about and each month Statement Closing Date 02/17/2019 statement ri Iola of... aedil counselng sensices. go to Wu PI* about.. Illus./Memo ruStCe.g0v/uStrESI. Days In Billing Cycle 31 Only the rnnimum 22 yam% credincconsellog-agendes- $7.557 tippreved-putsuaritrThuSeA 11 Palmer), $3.240 ix call 1-868-503-7106. 590 1 yeass (Saunas • 54.317) IMPORTANT NOTICES 'INFORMATION REGARDING YOUR MINIMUM PAYMENT DUE' . YOUR MINIMUM PAYMENT DUE IS 2% OF YOUR STATEMENT BALANCE OR 520 (WHICHEVER IS GREATER). PLUS ANY PAST DUE AMOUNT. YOU MUST PAY THIS AMOUNT TO KEEP YOUR ACCOUNT IN GOOD STANDING. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance 2.880 0 0 0 0 0 2,880 Redemptons are not permitted on c.osed or delinquent accounts. Rewards Details Rewards for Feb 2019 Qualified Spend Rewards Points Restaurants $0.00 @ 3x 0 Gas Stations $0.00 @ 2x 0 Other Eligible Purchases 50.00 0 Total This Period $0.00 0 Total Reward Year to Date $0.00 0 Navy Federal Credit Union SP 001 EFTA00124826 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 EFTA00124827 NAVY C FEDERAL •Rewards Visa Credit Union Peot3c44 TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description SubinIneci By Amount 01/29/19 01/29/19 74060959029090620501624 PAYMENT RECEIVED war Lux xxxx 551.00 01/29/19 01/29/19 74060959029091810291622 PAYMENT RECEIVED mac xxxx xxxx 551.00 TOTAL PAYMENTS AND CREDITS $102.00 TRANSACTIONS FEES Trans Date Post Date Reference No. Description Amount 01/28/19 01/28/19 LATE PAYMENT FEE 520.00 02/15/19 02/15/19 PMT PROTECTION PLAN PRIMARY LIFE/DISPLI 56.75 TOTAL FEES $26.75 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES 536.96 TOTAL INTEREST $36.96 2019 TOTALS YEAR•TO-DATE Total Fees charged in 2019 $33.61 Total Interest charged in 2019 $74.30 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 Puthases 18.00% (v) $2463.61 $36.96 Cash Ad/aces 18.00% (v) $0.00 $0.00 Bal TrICcnyChle 18.00%(v) $0.00 $0.00 (v) = Variable Rate • Bat Trf/Ccetv 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. CONQUER Achieve financial victory with a low rate APR Balance Transfer. Just transfer your high rate balance from another lender to YOUR DEBT your Navy Federal Credit Card. - .•' '- nay yfederal org/myBT Insured by NCUA. Navy Federal Credit Union SP 001 EFTA00124828 Visa Navy Federal Credit Union SP 001 EFTA00124829 NAVY 3 FEDERAL Credit Union eRewards Visa MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 101.00 50.00 04/14/2019 2,534.51 xxxx xxxx xxxx PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MARE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL MIGUEL A MONGE 00.163LD P.O. BOX 3500 MERRIFIELD VA 22119-3500 0253451900101006406095583209293040609558320929301 0%fterds Visa ACCOUNT NUMBER mu fcca mum Page l as ACCESS NUMBER SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION QUESTIONS Previous Balance 32.490.83 New Balance $2.534.51 Credit Card Services 1.888.842.8328 Payments -$0.00 Minimum Payment Due $101.00 Other Credits -$0.00 Payment Due Date 04/14/2019 Sand Billing Inquiries To: Purchases +$0.00 Late Payment Warning:lf we do not receive your Navy Federal Credit Union Cash Advances +30.00 min.mum 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 +38.87 increased up to the Penalty APR of 18.00%. Interest Charged +338.81 Send Payments To: Minimum Payment Warning: If you make only the New Balance $2.534.51 Navy Federal minimum payment each period. you will pay more in P.O. Box 3600 Past Due Amount $50.00 interest and it will take you longer to pay off your Merrifield VA 22119.3500 Credit Limit 32,500.00 balance. For example: Available Credit NONE If youmake no To view your account Cash Limit $1,250.00 additional charges You thewit pay off balance And you wil end online vied navy/Serino:erg. up paying an Available Cash $0.00 using ths card SIE each month shown - - on Hos estrnaled If you would Ike mlommticci about Statement Closing Date 03/17/2019 statement ri credit counselng seivioes. go to Y00 Pay... about.. htips.fhvivwrustce.govrusblisl• Days In Billing Cycle 28 Only the mmmum credil.cconseling-agendes. 22 Team $7.580 freprovedpursuererlI rum:AM payment or tall 1-868-503-7106. 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. 'NOTICE' YOUR ACCOUNT IS PAST DUE. PLEASE REMIT YOUR PAYMENT ONLINE AT NAVYFEDERALORG. OR BY PHONE TOLL-FREE AT 1.800.338-3787. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PIA, AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM. EASTERN TIME. V YOU HAVE ALREADY REMITTED YOUR PAYMENT. PLEASE DISREGARD THIS NOTICE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS. MISSED PAYMENTS. OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance 2.880 0 0 0 0 0 2,880 Redemptions are not permitted on dosed or delinquent accounts. Navy Federal Credit Union SP 001 EFTA00124830 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 EFTA00124831 NAVY e' FEDERAL 9Rewards Visa Credit Union =I Paso 3 of.. Rewards Details Rewards for Mar 2019 Qualified Spend Rewards Points Restaurants S0.00 02 3x 0 Gas Stations WOO @ 2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $0.00 TRANSACTIONS a FEES Thula Date Post Date Reference No. Description Amount 03/15/19 03/15/19 PMT PROTECTION PLAN PRIMARY LIFE/DISAU 58.87 TOTAL FEES $6.67 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES $38.81 TOTAL INTEREST $36.61 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $40 48 Total Interest charged el 2019 $111.11 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 18.00%(v) $2.453S7 536.81 Cash Advances 18.00% (v) $0.00 $0.00 Bal TrliCcnv Chic' 18.00% (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 ISX 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 EFTA00124832 Visa Navy Federal Credit Union SP 001 EFTA00124833 NAVY 3 FEDERAL Credit Union eRewards Visa MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 102.00 51.00 05/14/2019 2,543.55 xxxx xxxx xxxx PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL MIGUEL A MONGE cc 001v251) P.O. BOX 3500 MERRIFIELD VA 22119-3500 XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX OFbnerds Visa ACCOUNT NUMBER sax cox mum Paget as ACCESS NUMBER SUMMARY OF ACCOUNT ACTWITY PAYMENT INFORMATION QUESTIONS Previous Balance $2.534.51 New Balance $2,543.55 Credit Card Services 13821-842.63213 Payments $50.00 Minimum Payment Due $102.00 Other Credits -$0.00 Payment Due Date 05/14/2019 Send Billing Inquiries To: Purchases +515.13 Late Payment Warning:lf we do not receive your Navy Federal Credit Union Cash Advances +50.00 min.mum 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 mermaid VA 22119-3501 Fees Charged +56.89 increased up to the Penalty APR of 18.00%. Interest Charged +$37.02 Send Payments To: Minimum Payment Warning: If you make only the New Balance $2,543.55 Navy Federal minimum payment each period. you will pay more in P.O. Box 3600 Past Due Amount $51.00 interest and it will take you longer to pay off your MINIUM VA 22119-3500 Credit Limit 52,500.00 balance. For example: Available Credit NONE If youmake no To view your account Cash Limit $1,250.00 additional charges You thewit pay off And you wil end balance Online Wad navy/Serino:erg. up paying an Available Cash $0.00 using ths card tral each month shown - - on this estrnalcd If you would Ike Inlommtico about Statement Closing Date 04/17/2019 statement n total of... credit counselng services. go to You Pay... about hillps./hvivoijuStCe.gov/uSWISI. Days In Billing Cycle 31 Only the mrumum credil.cconseling-agencies• 22 yearn $7.618 approved-pursuant.11.utv>111 Payment or Call 1-808-503-7106. IMPORTANT NOTICES 'NOTICE' YOUR ACCOUNT IS PAST DUE PLEASE REMIT YOUR PAYMENT ONLINE AT NAVYFEDERALORG. OR BY PHONE TOLL-FREE AT 140043S-3767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PM, AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM. EASTERN TIME. IF YOU HAVE ALREADY REIMTTED YOUR PAYMENT. PLEASE DISREGARD THIS NOTICE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS. MISSED PAYMENTS. OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance 2.880 30 0 0 0 0 2,910 Redemptions are not permitted on dosed or delinquent accounts. Rewards Details Rewards for Apr 2019 Qualified Spend Rewards Points Restaurants 50.00 flil 3x 0 Gas Stations $15.13 O 2x 30 Other Eligible Purchases $0.00 0 Total This Period $15.13 30 Total Reward Year to Date $15.13 30 Navy Federal Credit Union SP 001 EFTA00124834 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 EFTA00124835 NAVY FEDERAL ©Penerds Visa Credit Union P1913 TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By Amount 03123119 03/25/19 74080969084090517401825 PAYMENT RECEIVED xxtor xxxx xxxx = $50.00 TOTAL PAYMENTS AND CREDITS $50.00 TRANSACTIONS MIGUEL A MONGE nn ram xxxx I= Trans Date Post Date Reference No. Description Amount 04/03119 04iO4/19 24122549094744003008876 BP65453345VERRAZANO SERV BROOKLYN NY S15.13 TOTAL New Activity for MIGUEL A MONGE $15.13 FEES Trans Date Post Date Reference No. Description Amount 04117/19 04/17/19 PMT PROTECTION PLAN PRIMARY LIFE/DIS/IU 56.89 TOTAL FEES $6.89 INTEREST CHARGED Description Amotmt INTEREST CHARGE-PURCHASES $37.02 TOTAL INTEREST $37.02 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $47.37 Total Interest charged in 2019 $148.13 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 Puthases 18.00%(v) 52467.57 537.02 Cash Maces 18.00% (v) $0.00 S0.00 BS Tuft -env CNC 18.00% (v) $0.00 S0.00 (v) = Variable Rate • Bal TrUCcrtv 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 EFTA00124836 Visa Navy Federal Credit Union SP 001 EFTA00124837 NAVY 3 FEDERAL Credit Union eRewards Visa MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 102.00 51.00 06/14/2019 2,536.68 xxxx xxxx xxxx PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL MIGUEL A MONGE as OftibbEL P.O. BOX 3500 MERRIFIELD VA 22119-3500 XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX OFbnerds Visa ACCOUNT NUMBER AUX fCCOO:Kn= Papa 1 old ACCESS NUMBER SUMMARY OF ACCOUNT ACTWITY PAYMENT INFORMATION QUESTIONS Previous Balance $2.543.55 New Balance $2,536.68 Credit Card Services 1388842.6326 Payments 451.00 Minimum Payment Due $102.00 Other Credits -$0.00 Payment Due Date 06/14/2019 Send Billing Inquiries To: Purchases +50.00 Late Payment Warning:lf we do not receive your Navy Federal Credit Union Cash Advances +$0.00 min.mum 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 mermaid VA 22119.3501 Fees Charged +$8.88 increased up to the Penalty APR of 18.00%. Interest Charged +$37.25 Send Payments To: Minimum Payment Warning: if you make only the New Balance $2,536.68 Navy Federal minimum payment each period. you will pay more in P.O. Box 3600 Past Due Amount $51.00 interest and it veil take you longer to pay off your Merrifield VA 22119'3500 Over Limit Amount $36.68 balance. For example: Credit Limit 52,500.00 To view your account If youmake no You tell pay off And you wil end Online Nee nevyleder•10.9. Available Credit NONE additional charges the balance up paying an using Ms card Cash Limit 51,250.00 shown on hit estimated If you would Ike milomiaticei about ruteach month - - Available Cash $0.00 statement ri Iola aedil counselng services. go to You Pay... about.. Mos./hew* rusece.govrusblislr Statement Closing Date 05/17/2019 Only the rnmmum credil.cconseling-agendes• Days In Billing Cycle 30 22 yeses 17.581 approved-pursuard.11.us0111 PaYmenl a call 1-888-503-7106. IMPORTANT NOTICES 'NOTICE' YOUR ACCOUNT IS PAST DUE PLEASE REMIT YOUR PATIENT ONLINE AT NAVYFEDERALORG. OR BY PHONE TOLL-FREE AT 1400.338.3767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 6:00 AM AND 11:00 PM, AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM. EASTERN TIME. IF YOU HAVE ALREADY REMITTED YOUR PAYMENT, PLEASE DISREGARD THIS NOTICE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS. MISSED PAYMENTS. OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance i Earned Redeemed Adjusted Expired/Purged End Balance 2.910 0 0 0 0 0 2,910 Redemptions are not permitted on dosed or delinquent accounts. Rewards Details Rewards for May 2019 Qualified Spend Rewards Points Restaurants 50.00 02 3x 0 Gas Stations 50.00 rlit 2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date 915.13 30 Navy Federal Credit Union SP 001 EFTA00124838 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 EFTA00124839 NAVY FEDERAL ©Penerds Visa Credit Union nr413 err TRANSACTIONS PAYMENTS AND CREDITS hen■ Date Poet Date Reference No. Description Submitted By Amount 04123119 04423/19 74060969113090627201621 PAYMENT RECEIVED moor moor max 551.00 TOTAL PAYMENTS AND CREDITS $51.00 TRANSACTIONS FEES Trans Date Post Date Reference No. Description Amount 05117119 05/17/19 PMT PROTECTION PLAN PRIMARY LIFE/DIS/IU 56.88 TOTAL FEES $6.88 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES 537.25 TOTAL INTEREST $37.25 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 55425 Total Interest charged m 2019 $185.38 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 18.00% (v) $2.482.76 S37.25 Cash AO/aloes 18.00% (v) $0.00 50.00 Bel TrI/CawChle 18.00%(v) $0.00 50.00 (v) = Variable Rate • Bal TrUCcenr Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interesL Interest is assessed from the transaction date to the date the amount is paid in full. Navy Federal Credit Union SP 001 EFTA00124840 Visa Navy Federal Credit Union SP 001 EFTA00124841 NAVY 3 FEDERAL Credit Union el:79.430[1sVisa MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 50.00 0.00 07/14/2019 2,478.27 xxxx xxxx xxxx PLEASE NOICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL MIGUEL A MONGE es 0011.01.4 P.O. BOX 3500 MERRIFIELD VA 22119-3500 XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX OFbnerds Visa ACCOUNT NUMBER KOOOPOIX= Pa90 1 old ACCESS NUMBER SUMMARY OF ACCOUNT ACTWITY PAYMENT INFORMATION QUESTIONS Previous Balance $2.536.68 New Balance $2,478.27 Credit Card Services 140d-a42.6328 Payments 4102.00 Minimum Payment Due $50.00 Other Credits -$0.00 Payment Due Date 07114/2019 Send Billing Inquiries To: Purchases +$0.00 Late Payment Warning:lf we do not receive your Navy Federal Credit Union Cash Advances +$0.00 mindnum 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 PANMeld VA 22119-3501 Fees Charged +$6.72 increased up to the Penalty APR of 18.00%. Interest Charged +$36.87 Read Payments To: Minimum Payment Warning: if you make only the New Balance 52.478.27 Navy Federal minimum payment each period. you will pay more in P.O. Box 3600 Past Due Amount $0.00 interest and it will take you longer to pay off your Merrifield VA 22119-3500 Over Limit Amount $0.00 balance. For example: Credit Limit $2,500.00 If youmake no To view your account Available Credit $21.73 additional charges You balance Arid you will end Online veil navylmkor•10.17 the up paying an Cash Limit $1,250.00 using the card and each month shown on this esbnialed If you would Ike intommtica about Available Cash $21.73 statement it Iola/ of... credit counseing services. go to you Pay.. about.. hUps.Mvivremstioe.govfustrlisl- Statement Closing Date 06/17/2019 Only the rnnimum credil.cconsering-agencias- Days In Billing Cycle 31 22 year% $7.509 Opprovecl-puisuardlithE.A11 paymenl $3.240 Cr call 1.868-503-7106. S90 3 years (Savngs • $4.269) REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance 2.910 0 0 0 0 0 2,910 Redemptions are not permitted on closed or delinquent accounts. Rewards Details Rewards for Jun 2019 Qualified Spend Rewards Points Restaurants $0.00 @ 3x 0 Gas Stations $0.00 @ 2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $15.13 30 Navy Federal Credit Union SP 001 EFTA00124842 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 EFTA00124843 NAVY FEDERAL Visa Credit Union TRANSACTIONS PAYMENTS AND CREDITS Trans Data Post Date Reference No. Description Submitted By Amount 05123/19 05/23/19 74080959143090740411622 PAYMENT RECEIVED xm mcxx max 514.79 05/31/19 05/31/19 74050%915109151748M27 PAYMENT RECEIVED mom xca max $87.21 TOTAL PAYMENTS AND CREDITS $102.00 TRANSACTIONS FEES Trans Date Post Date Reference No. Description Amount 06117/19 06/17/19 PMT PROTECTION PLAN PRIMARY LIFE/DISAU 56.72 TOTAL FEES $6.72 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES $36.87 TOTAL INTEREST $36.67 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 560.97 Total Interest charged i12019 5222.25 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 Puthasee 18.00% (v) 52.457.72 $36.87 Cash Achs-ices 18.00% (v) $0.00 S0.00 Baer TrliCaw Chit 18.00% (v) $0.00 S0.00 (v) = Variable Rate • Bat Trf/Ccetv 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 EFTA00124844 Visa Navy Federal Credit Union SP 001 EFTA00124845 NAVY 3 FEDERAL Credit Union eRewards Visa MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 101.00 50.00 08/14/2019 2,521.74 xxxx xxxx xxxx PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MARE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL MIGUEL A MONGE TT 00106S P.O. BOX 3500 MERRIFIELD VA 22119-3500 XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX OFbnerds Visa ACCOUNT NUMBER mftsOOMOIX Pago 1 old ACCESS NUMBER SUMMARY OF ACCOUNT ACTWITY PAYMENT INFORMATION QUESTIONS Previous Balance 32.47827 New Balance 32,521.74 Credit Card Services 148.3-842.632i3 Payments 40.00 Minimum Payment Due $101.00 Other Credits 40.00 Payment Due Date 08/14/2019 Send Billing Inquiries To: Purchases +$0.00 Late Payment Warning:lf we do not receive your Navy Federal Credit Union Cash Advances +30.00 min.mum 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 IACTIBTIFI VA 22119.3501 Fees Charged +36.84 increased up to the Penalty APR of 18.00%. Interest Charged +338.63 Send Payments To: Minimum Payment Warning: if you make only the New Balance 32.521.74 Navy Federal minimum payment each period. you will pay more in P.O. Box 3600 Past Due Amount $50.00 interest and it will take you longer to pay off your Marilee/4 VA 22119.3500 Over Limit Amount $21.74 balance. For example: Credit Limit $2,500.00 If youmake no To vmw your account Available Credit NONE additional ChargeS You thewll pay off balance And you wil end Online WWI nerylederel.041. up paying an Cash Limit $1,250.00 bang ths card indeach month shown on MS estrnaled Fe' onlomilaon about ciedil Available Cash $0.00 statement ri ID'S of... Ounseantl senoras. you may You pay-. about.. go lo hilpawavolustioo.omfusti Statement Closing Date 07/17/2019 Ilsicrodri.counsolineoponclos. Only the rnmmum eporeampursuent-1I-usc-fm. Days In Billing Cycle 30 22 yews 57.530 Payment or colli-504403.7I 06. IMPORTANT NOTICES 'NOTICE' PLEASE REMIT YOUR PAYMENT ONLJNE AT NAVYFEDERAL.ORG. OR BY PHONE TOLL-TREE AT 14003464767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PM. AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM. EASTERN TIME. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS. MISSED PAYMENTS. OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance 2.910 0 0 0 0 0 2,910 Redemptions are not permitted on dosed or delinquent accounts. Rewards Details Rewards for Jul 2019 Qualified Spend Rewards Pointe Restaurants WOO @ 3x 0 Gas Stations 30.00 © 2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $15.13 30 Navy Federal Credit Union SP 001 EFTA00124846 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 EFTA00124847 NAVY FEDERAL el , Visa Credit Union TRANSACTIONS FEES Tnum Date Post Date Reference No. Description Amount 07/17/19 07/17/19 PMT PROTECTION PLAN PRIMARY LIFE/DISAU S6.84 TOTAL FEES $6.84 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES S36.63 TOTAL INTEREST $36.63 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $87.81 Total Interest charged m 2019 $258.88 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 Puthasee 18.00%(v) 52441.40 536.63 Cash ArNances 18.00% (v) $0.00 $0.00 Bal Trlitaw Chic' 18.00% (v) $0.00 S0.00 (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. Navy Federal Credit Union SP 001 EFTA00124848 Visa Navy Federal Credit Union SP 001 EFTA00124849 NAVY 3 FEDERAL Credit Union eRewards Visa MINIMUM PAST DUE PAYMENT NEW AMOUNT ACCOUNT NUMBER PAYMENT DUE PAYMENT DUE DATE BALANCE ENCLOSED 102.00 51.00 09/14/2019 2,515.29 xxxx xxxx xxxx PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MARE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX OFbnerds Visa ACCOUNT NUMBER tan 'Mann= Pago 1 old ACCESS NUMBER SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION QUESTIONS Previous Balance $2,521.74 New Balance $2,515.29 Credit Card Services 148.3-842.632i3 Payments -$50.00 Minimum Payment Due $102.00 Other Credits $0.00 Payment Due Date 09/14/2019 Send Billing Inquiries To: Purchases +50.00 Late Payment Warning:lf we do not receive your Navy Federal Credit Union Cash Advances +$0.00 min.mum 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 MerrMeld VA 22119-3501 Fees Charged +$6.82 increased up to the Penalty APR of 18.00%. Interest Charged +$36.73 Send Payments To: Minimum Payment Warning: if you make only the New Balance $2,515.29 Navy Federal minimum payment each period. you will pay more in P.O. Box 3600 Past Due Amount $51.00 interest and it will take you longer to pay off your Mender4 VA 22119-3500 Over Limit Amount $15.29 balance. For example: Credit Limit $2,500.00 If youmake no To view your account Available Credit NONE fddilional charged You thewit pay off balance And you wil end online vied flevylederaloNt up paying an Cash Limit $1,250.00 tang the card shown on This estrnaled Fe' onlonntiaon about ciedil indeach month Available Cash $0.00 statement ri told of... nunseang scans. you may Yod PaY about.. go lo Nip awavolustioo.00veusb Statement Closing Date 08/17/2019 Inicrocrrnounsolineoponclos. Only the minimum approvompursuent.11.usc-f I I. Days In Billing Cycle 31 22 yews 57.503 PaYmenl of celli-$04-603.7106. IMPORTANT NOTICES 'NOTICE' PLEASE REMIT YOUR PAYMENT ONLJNE AT NAVYFEDERAL.ORG. OR BY PHONE TOLL4REE AT 1.8008364767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PM. AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM. EASTERN TIME. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS. MISSED PAYMENTS. OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance 2.910 0 0 0 0 0 2,910 Redemptions ere not permitted on dosed or delinquent accounts. Rewards Details Rewards for Aug 2019 Qualified Spend Rewards Points Restaurants WOO @ 3x 0 Gas Stations $0.00 0 2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $15.13 30 Navy Federal Credit Union SP 001 EFTA00124850 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 EFTA00124851 NAVY FEDERAL ©Penerds Visa Credit Union P1913 TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By Amount 07/26119 07/26/19 74050969207091551131625 PAYMENT RECEIVED sax max max S50.00 TOTAL PAYMENTS AND CREDITS $50.00 TRANSACTIONS FEES Trans Date Post Date Reference No. Description Amount 08116119 08/16/19 PMT PROTECTION PLAN PRIMARY LIFE/DISAU 56.82 TOTAL FEES $6.82 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES 536.73 TOTAL INTEREST $36.73 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $74.63 Total Interest charged m 2019 $295.61 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 Char! Puchases 18.00% (v) 52.448.24 $36.73 Cash Adeances 18.00% (v) $0.00 S0.00 Bel TrliCaw Chic' 18.00%(v) $0.00 S0.00 (v) = Variable Rate • Bal TrUCcenr 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 EFTA00124852 Visa Navy Federal Credit Union SP 001 EFTA00124853