NAVY ‘ FEDERAL Credit Union MINIMUM PAYMENT DUE 102.00 PLEASE MAKE C NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 Visa Signature Czxsde Rewards PAST DUE PAYMENT NEW AMOUNT PAYMENT DUE DATE BALANCE CO eee ENCLOSED | | 02/08/2019 _ 5,099.94 XXXX_ XXXX xxxx $ PLEASE INDOCATE CHAN! DRE HECK PAYABLE AND MAIL TO rd 0323708 050999400010200440b095b887? ?74150440b095b88? 7415045 Visa Signature C ihe Rewards ACCOUNT NUMBER soon ooo. xx Page 1 of 4 ACCESS NUMBER | | SUMMARY OF ACCOUNT | PAYMENT INFORMATION QUESTIONS Previous Balance New Balance $5,099.94 Croat Card Services Payments Minimum Payment Due $102.00 reaenteend Other Credits Payment Due Date : 08/2019) Send Billing Inquiries To Purchases Late Payment Warning: !f we do not receive your Navy F 1 Credit Un Cash Advances minimum payment by the date listed above, you may P.O. B 1 Fees Charged Interest Charged | have to pay a $20.00 late fee and your APRs may be| | Merrifield VA 22119-3501 increased up to the Penalty APR of 18.00%. inimum Payment Warning: If you make only the| | Send Payments To: 5,099.9 Navy Federal New Balance $5,099.94 | | minimum payment each period, you will pay more in| N'Y Fedecel Past Due Amount interest and it will take you longer to pay off your| | terrified VA 22119-3500 Credit Limit $6,500.00 | balance. For example Available Credit $1,400.06 7 your account 5 yournake no |v, a * ‘ou will pay off And you wil end on it navyfederal.org Cash Limit $3,250.00 posaiay the balance up paying an Available Cash $1,400.06 and cach month | shown on this estimated Ifyou would Ske information about Statement Closing Date 01/11/2019 you pay. statement in total of credit counseling sen go to Days in Billing Cycle 31 _— Iittps:thwnaray ju owlustlist Only the minimum — 49, credil-counseling-agencies payment years Spproved-pursuanit-11-use-111 | or call 1-888-503-7106. $169 3 years REWARDS SUMMARY Start Balance Earned Bonus Redeemed Adjusted Purged End Balance |__| |__| |_| |_| |_| = $146.78 Redemptions are not permitted on closed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date 12/11/18 12/12/18 12/31/18 12/31/18 TRANSACTIONS GLENDA ANDERSON-LAYNE Trans Date Post Date 12/11/18 12/09/18 12/12/18 12/12/18 Navy Federal Credit Union Reference No. Description Submitted By Amount XXxx xxxx xxxx Reference No. Description Amount SP 001 EFTA00124742

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7 | CREDIT CARD CHANGE OF ADDRESS NFCU ACCOUNT NO. RANK/RATE NAME (FIRST MI NEW ADDRESS ay SIAIE APPLICANT OR CO-APPLICANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLETO: n VISA ONLY oO ALL APPLICANT'S NFCU ACCOUNTS: oO JOINT COWNER(S)4F NECL SAVINGS IS A JOINT ACCOUNT [wasccour No. WORK TELEPHONE LAST SUFFIX) 4iP DOUE MB Page 204 Information About Your Visa® Account Important Telephone Numbers For Navy Federal Credit Card Services For Credit Card Services and Last Cards, call toll-free . . .. - 1-888-842-6328 Collect internationally . . «1-703-255-8837 For toll free numbers when overseas. . -havyfederal.org/overseas/ Emergency Assistance... ....... . -1-B00-VISA-911 Emergency Assistance (from overseas, call collect) . . . 1-410-581-9994 Variable Rate Information: Your Standard APR will vary based on the U.S. Prime Rate. This means your APR could increase if the U.S. Prime Rate increases or decrease if the U.S. Prime Rate decreases. An increase or decrease in your APR will affect the total @mnount of interest you pay. Your APR is adjusted monthly on the first business day of the month; it is determined by adding a Margin to the U.S. Prime Rate published in the Wail Street Journa/on the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation of your credit history. Payments: Payrnents may be made by mail, electronic transfer, or at a branch in person. All payments must be made in U.S. dollars. Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Merrifield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the same day. In some cases, available credit may be delayed until the payment is verified. Mailed payments to your credit card account may not be commingled with funds designated for credit to other Navy Federal accounts. We will accept late or partial payments without forfeiting any of Navy Federal's rights under this Agreement. Payments that are marked “paid in full" and that are of an amount less than the balance on the credit card account, or that are marked with any other restrictive Endorsements, should be sent to P.O. Box 3501, Merrifield, VA 22119, Attn. Credit Card ion. Transactions Made in Currency: All Visa purchases and cash advances will be billed to you in U.S. dollars. The rate of exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa Rself receives or the government-mandated rate in effect for the applicable central processing date. Paying Interest: Your due date is at least 25 days after the clase of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers, and convenience checks on the transaction date. ATM Cash Advance Fees: None if performed at a Navy Federal branch or ATM. Otherwise $0.50 per domestic transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be charged an ATM fee by the owner of the ATM. How We Determine The Amount Of Interest Charges: Navy Federal calculates interest charges on your account by applying the periodic rate to the average daily balance of your account, induding current transactions. To get the average daily balance, we take the beginning balance of your account each day, add new purchases and cash advances, and subtract any payments, credits, and unpaid interest charges to give us the daily balance. Then, we add up all of the daily batances for the billing cyde and divide the total by the number of days in the billing cycle. This gives us the average daily balance. You can find your “average daily balance” for each billing cycle in the “Balance Subject to Interest Rate" column of your statement. Payment Allocation: In general, we will apply your minimum payment to the overlimit @mnount (if any), interest, and fees first before applying it to principal balances. If your account has balances with different APRs, we will apply the minimum payment first to the balance with the lowest APR before balances with higher APRs. Any payment amount in excess of the minimum payment will be allocated to the balance with the highest APR and any remaining portion to the other balances in descending order based on APR. © 2017 Navy Federal NFCU 577V (12-17) Navy Federal Credit Union Billing Rights Summary What fo Do i You Think You Find a Mistake on Your Statement Tf you think there is an error on your statement, write to us at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. Tn your letter, give us the following information: * Account information: Your name and account number * Dovfar amount: The dollar amount of the suspected error * Description of problem: If you think there is an error on your bill, describe what you believe is wrang and why you believe & is a mistake. ‘You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing or electronically. You may call us, but if you do, we are not required to investigate any potential errors, and you may have to pay the amount in question. ‘While we investigate whether or not there has been an error, the following are true: * We cannot try to collect the amount in question or report you as delinquent on that amount. * The charge in question may remain on your statement, and we may continue to charge ‘you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. * While you do not have to pay the amount in question, you are responsible for the remainder of your balance. * We can apply any unpaid amount against your crecit limit. Your Rights J You Ave Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Nether of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances fram an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. Tf all of the criteria above are met and you are still dissatisfied with the purchase, contact US in writing or electronically at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. ‘While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, f we think you owe an amount and you Go not pay, we may report you as delinquent. SP 001 EFTA00124743

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NAVY © FEDERAL Credit Union TRANSACTIONS GLENDA ANDERSON-LAYNE Trans Date Post Date 12/11/18 12/12/18 12/12/18 12/13/18 12/10/18 12/13/18 2/12/18 12/13/18 2/13/18 12/14/18 12/14/18 12/14/18 12/14/18 12/14/18 12/14/18 12/14/18 12/14/18 12/17/18 12/17/18 12/18/18 17/18 12/18/18 12/17/18 12/18/18 12/17/18 12/19/18 12/19/18 12/20/18 12/24/18 12/18/18 GLENDA ANDERSON-LAYNE Trans Date Post Date 01/03/19 01/04/19 01/04/19 01/07/19 01/05; 01/07/19 01/05/19 01/07/19 01/07/19 g 01/08/19 01/09/19 01/09/19 01/10/19 01/10/19 O1/11/19 INTEREST CHARGED Reference No. Reference No. 6180336417 10680518815 249064190) 24906419 24692169009 100846796105 249064 19010066431395553 Visa Signature C; aste Rewards XXxK XxXxx xxx SD Description XXXX Xxxx xxxx Description QVC*57383172 1°4OF6 800-367-9444 PA QVC*57383188 9444 PA HSN*HSN1554251500 20F3 800-9332887 FL HSN*HSN1554251501 20F3 800-9332887 FL QVC*S76648875501*20F6 800-367-9444 PA NETFLIX.COM NETFLIX.COM CA HSN*HSN1562994739 800-9332887 FL HLU*Hulu 986791389378-U HULU.COM/BILLCA QVC*573057493601*SOFS 800-367-9444 PA HSN*HSN1546575513 30F3 8 332887 FL TOTAL New Activity for GLENDA ANDERSON-LAYNE Description INTEREST CHARGE-PURCHASES TOTAL INTEREST 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2! Total Interest INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Purchases Cash Advances Navy Federal Credit Union Annual Percentage Rate (APR) charged in 2019 $0.00 $45.17 Balance Subject to Interest Rate Page 3 of 4 Amount Amount “oe Onan Interest Charo $45.17 $0.00 SP 001 EFTA00124744

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Visa Sgneture Cash Rewards HB Pop sols INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate Balance Subject to (APR) Type of Balance Interest Rate Interest Charge Bal TriltCony Chk” $0.00 (v) = Variable Rate * Bal TrifConv 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. 11.65% (v) $0.00 CONQUER YOUR DEBT Learn more. navyfederal.org/myBT Navy Federal Credit Union Achieve financial victory with a low rate APR Balance Transfer. Just transfer your high rate balance from another lender to your Navy Federat Credit Card Insured by NCUA SP 001 EFTA00124745

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Credit Union Visa Sgreture Czzadh Rewards MiNiMUM PAST DUE PAYMENT NEW AMOUNT [ payment DUE PAYMENT DUE DATE BALANCE eee ieee ENCLOSED | 0.00 0.00 03/08/2019 4,083.99 _xxxx xxxx xxxx JS PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. GLENDA ANDERSON-LAYNE te 0408399400000000406095688774150440609568877415044 > Va ACCOUNTNUMBER = xxx 000.000 I Visa Signature Ce 2 Rewards ACCESS NUMBER — “se SUMMARY OF ACCOUNT ACTIVITY | PAYMENT INFORMATION | QUESTIONS Previous Balance $5,099.94 | New Balance $4,083.99| | Credit Card Services Payments -$2,213.07| | Minimum Payment Due NONE| | "S88#-#42.6328 Other Credits -$0.00 | Payment Due Date 3108/2019 Send Billing Inquiries To: Purchases +$1,145.17 | | Late Payment Warning: !f we do not receive your Navy Federal Credit Union Cash Advances +$0.00 | minimum payment by the date listed above, youmay| P.O. Bax 3501 Fees Charged +$0.00| | have to pay a $20.00 late fee and your APRs may be} | Merrifield VA 22119-3501 Interest Charged +$51.95 increased up to the Penalty APR of 18.00%. Send Payments To: Minimum Payment Warning: If you make only the New Balance $4,083.99 i : Navy Federal minimum payment each period, you will pay more in) | po gax 3500 Pant Du Amount $0.00) | interest and it will take you longer to pay off your! | terrified VA 22119-3500 Credit Limit $6,500.00 | balance. For example: Available Credit $2,416.01 Wyournaks no To view your account Cash Limit $3,250.00 | | |sddtional charges, YS Day OF | ie gan | | | online vist navyfederal.org Available Cash $2,416.01 | | using We cart shownon this | estimated Ifyou would Ske information about Statement Closing Date 02/11/2019 you pay... statement in total of... | credit counseling services, go to Days in Billing Cycle 31 - — bips:!hwww justice gov/ustlist- Only the minimum ay veers $7,515 credit-counseling-agences- payment y bs Spproved-pursuanit-11-use-111 $4,860 or call 1-888-503-7106. $135 3 years {Savings = $2,655) IMPORTANT NOTICES “INFORMATION REGARDING YOUR MINIMUM PAYMENT DUE” - YOUR MINIMUM PAYMENT DUE IS 2% OF 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 $146.78 $17.15 $0.00 $0.00 $0.00 $0.00 $163.93 Redemptions are not permitted on closed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date PostDate Reference No. Description Submitted By Amount 02/01/19 02/01/19 74060959032099656381624 PAYMENT RECEIVED sone 00x 1000 $102.00 0207/19 —O2/Nay1g =—-—«74080959039062180200002 NFO PAYMENT RECEIVED 20 000 00x $2,111.07 TOTAL PAYMENTS AND CREDITS $2,213.07 Navy Federal Credit Union 0044763 SP 001 EFTA00124746

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7 | CREDIT CARD CHANGE OF ADDRESS NFCU ACCOUNT NO. RANK/RATE NAME (FIRST MI NEW ADDRESS ay SIAIE APPLICANT OR CO-APPLICANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLETO: n VISA ONLY oO ALL APPLICANT'S NFCU ACCOUNTS: oO JOINT COWNER(S)4F NECL SAVINGS IS A JOINT ACCOUNT [wasccour No. WORK TELEPHONE LAST SUFFIX) 4iP DOUE MB Page 204 Information About Your Visa® Account Important Telephone Numbers For Navy Federal Credit Card Services For Credit Card Services and Last Cards, call toll-free . . .. - 1-888-842-6328 Collect internationally . . «1-703-255-8837 For toll free numbers when overseas. . -havyfederal.org/overseas/ Emergency Assistance... ....... . -1-B00-VISA-911 Emergency Assistance (from overseas, call collect) . . . 1-410-581-9994 Variable Rate Information: Your Standard APR will vary based on the U.S. Prime Rate. This means your APR could increase if the U.S. Prime Rate increases or decrease if the U.S. Prime Rate decreases. An increase or decrease in your APR will affect the total @mnount of interest you pay. Your APR is adjusted monthly on the first business day of the month; it is determined by adding a Margin to the U.S. Prime Rate published in the Wail Street Journa/on the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation of your credit history. Payments: Payrnents may be made by mail, electronic transfer, or at a branch in person. All payments must be made in U.S. dollars. Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Merrifield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the same day. In some cases, available credit may be delayed until the payment is verified. Mailed payments to your credit card account may not be commingled with funds designated for credit to other Navy Federal accounts. We will accept late or partial payments without forfeiting any of Navy Federal's rights under this Agreement. Payments that are marked “paid in full" and that are of an amount less than the balance on the credit card account, or that are marked with any other restrictive Endorsements, should be sent to P.O. Box 3501, Merrifield, VA 22119, Attn. Credit Card ion. Transactions Made in Currency: All Visa purchases and cash advances will be billed to you in U.S. dollars. The rate of exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa Rself receives or the government-mandated rate in effect for the applicable central processing date. Paying Interest: Your due date is at least 25 days after the clase of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers, and convenience checks on the transaction date. ATM Cash Advance Fees: None if performed at a Navy Federal branch or ATM. Otherwise $0.50 per domestic transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be charged an ATM fee by the owner of the ATM. How We Determine The Amount Of Interest Charges: Navy Federal calculates interest charges on your account by applying the periodic rate to the average daily balance of your account, induding current transactions. To get the average daily balance, we take the beginning balance of your account each day, add new purchases and cash advances, and subtract any payments, credits, and unpaid interest charges to give us the daily balance. Then, we add up all of the daily batances for the billing cyde and divide the total by the number of days in the billing cycle. This gives us the average daily balance. You can find your “average daily balance” for each billing cycle in the “Balance Subject to Interest Rate" column of your statement. Payment Allocation: In general, we will apply your minimum payment to the overlimit @mnount (if any), interest, and fees first before applying it to principal balances. If your account has balances with different APRs, we will apply the minimum payment first to the balance with the lowest APR before balances with higher APRs. Any payment amount in excess of the minimum payment will be allocated to the balance with the highest APR and any remaining portion to the other balances in descending order based on APR. © 2017 Navy Federal NFCU 577V (12-17) Navy Federal Credit Union Billing Rights Summary What fo Do i You Think You Find a Mistake on Your Statement Tf you think there is an error on your statement, write to us at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. Tn your letter, give us the following information: * Account information: Your name and account number * Dovfar amount: The dollar amount of the suspected error * Description of problem: If you think there is an error on your bill, describe what you believe is wrang and why you believe & is a mistake. ‘You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing or electronically. You may call us, but if you do, we are not required to investigate any potential errors, and you may have to pay the amount in question. ‘While we investigate whether or not there has been an error, the following are true: * We cannot try to collect the amount in question or report you as delinquent on that amount. * The charge in question may remain on your statement, and we may continue to charge ‘you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. * While you do not have to pay the amount in question, you are responsible for the remainder of your balance. * We can apply any unpaid amount against your crecit limit. Your Rights J You Ave Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Nether of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances fram an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. Tf all of the criteria above are met and you are still dissatisfied with the purchase, contact US in writing or electronically at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. ‘While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, f we think you owe an amount and you Go not pay, we may report you as delinquent. SP 001 EFTA00124747

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NAVY o Credit Union MB Pap sore TRANSACTIONS GLENDAANDERSON-LAYNE = xxxx xxxx xxxx SD Trans Date PostDate Reference No. Description Amount 01/12/19 01/14/19 —- 24906419012086535157435 HSN*HSN1547150583 30F4 800-9332887 FL $10.50 01/12/19 01/14/19 —- 24906419012086534662765 HSN*HSN1556820495 20F6 800-9332887 FL $6.90 01/12/19 01/14/19 24906419012066535029676 HSN*HSN1556820493 20F3 800-9332887 FL $8.81 01/12/19 01/14/19 —-24906419012086534569144 HSN*HSN1547150582 30F5 800-9332887 FL $16.99 01/12/19 01/14/19 —-24906419012086534082452 HSN*HSN1556820492 20F6 800-9332887 FL $6.90 01/15/19 0116/19 —- 24761979015083704621112 BATH & BODY WORKS.COM 800-756-5005 OH $50.07 01/17/19 0118/19 —-2468921690171002741983B4 QVC*577053471201°20F6 800-367-9444 PA $7.62 01/17/19 01/18/19 -24692189017100274198372 QVC*S72366465601°6OF6 800-367-9444 PA $13.24 0117/19 01/18/19 24906419017086777118182 HSN*HSN1564849507 10F6 800-9332887 FL $10.49 0117/19 01/18/19 24906419017086776400490 HSN*HSN1564848527 10F6 800-9332887 FL $10.49 01/17/19 01/18/19 —- 24906419017086776597915 HSN*HSN1564848547 10F6 800-9332887 FL $10.49 01/17/19 01/18/19 —- 24906419017086779054104 HSN*HSN1564849506 1OF6 800-9332887 FL $10.49 01/19/19 01/21/19 — 24906419019066683726876 HSN*HSN1548827625 30F6 800-9332887 FL $54.99 01/19/19 01/21/19 24906419019086883729219 HSN*HSN1541651365 40F5 800-9332887 FL $5.99 01/20/19 OV21/19 — 24692169020100914497243 QYC*575716561701*30F4 800-367-9444 PA $20.54 01/20/19 O121/19 —- 24892169020100914497250 QVC*575715176801°30F6 800-367-9444 PA $7.62 01/20/19 O1/21/19 —- 24692169020100914497268 QVC*572363387001°6OF6 800-367-9444 PA $17.22 01/20/19 01/21/19 — 24692169020100914497276 QVC*572363386701°6OF6 800-367-9444 PA $17.22 01/21/19 01/22/19 246921690211004276206882 QVC*575782129901*30F5 800-367-9444 PA $5.27 01/21/19 01/22/19 — 24692169021100427620900 QVC*577282450201°20F6 800-367-9444 PA $130.64 01/21/19 01/22/19 — 24692169021100427620918 QVC*577282450202*20F6 800-367-9444 PA $8.88 01/21/19 01/22/19 24692169021100427620826 QVC*577282450203°20F6 800-367-9444 PA $8.88 01/21/19 01/22/19 246921690211004276209834 QVC*575782270801°30F6 800-367-9444 PA $11.23 01/22/19 01/23/19 24692169022100017769017 QVC*575715176701*30F6 800-367-9444 PA $7.62 01/23/19 01/24/19 24692169023100541480817 QVC*575782129902*30F5 800-367-9444 PA $7.20 01/23/19 01/24/19 —-24692169023100541480825 OQVC*575782129903°30F5 800-367-9444 PA $5.87 01/24/19 01/25/19 — 24906419024067124435957 HSN*HSN1530032468 GOF6 800-9332887 FL $41.65 01/28/19 01/29/19 24492159028637601252048 HALO2CLOUD LLC HTTPSSHOP.HALCT $95.99 01/30/19 01/31/19 246921690301004469158E4 QVC*576293400902*30F5 800-367-9444 PA $11.96 01/30/19 01/31/19 | 24692169030100446915892 QVC*576190265502*30F6 800-367-9444 PA $12.40 01/30/19 01/31/19 — 24692168030100446915900 QVC*576190265501°30F6 800-367-9444 PA $12.40 01/30/19 01/31/19 — 24692769030100446915918 ~QVC*576190265505°30F6 800-367-9444 PA $12.20 01/30/19 01/31/19 — 24692169030100446915926 OVC"S576190265503*30F6 800-367-9444 PA $12.20 01/30/19 01/31/19 24692169030100446915934 QVC*576190265504*30F6 800-367-9444 PA $12.20 01/31/19 02/01/19 — 24692169031100880244609 QVC*576293400901°30F5 800-367-9444 PA $11.96 02/03/19 02/04/19 —-24692169034100813143058 ~QVC*573831726601°5OF6 800-367-9444 PA $62.38 02/04/19 02/05/19 —- 24692169035100274963209 QYC*573831880901°SOF6 800-367-9444 PA $63.48 02/04/19 02/05/19 — 24906419035067710860359 HSN*HSN1554251501 30F3 800-9332887 FL $13.66 02/04/19 02/05/19 — 24906419035067709590728 HSN*HSN1554251500 30F3 800-9332887 FL $13.66 02/04/19 02/06/19 —- 24445009037600064179727 HAUTLK RACKS885478438 888-547-8438 CA $264.83 02/07/19 02/08/19 — 24692169038100149624306 QVC*576648875501*30F6 800-367-9444 PA $13.06 02/08/19 02/11/19 24692169039100599805644 NETFLIX.COM NETFLIX.COM CA $10.99 02/08/19 02/11/19 — 24906419039067926025793 HLU*Hulu 956791385393-U HULU.COM/BILLCA $7.99 TOTAL New Activity for GLENDA ANDERSON-LAYNE $1,145.17 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES, $51.95 TOTAL INTEREST $51.95 Navy Federal Credit Union SP 001 EFTA00124748

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Visa Sqnature Cush Rewards HB Pop sols 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 Charoq Purchases 11.90% (v) $5,237.91 $51.95 Cash Advances 13.90% (v) $0.00 $0.00 Bal TrilCony Chk" 11.90% (v) $0.00 $0.00 (v) = Variable Rate * Bal TrifConv 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. CON U ER Achieve financial victory with a low rate Q APR Balance Transfer. Just transfer your high rate balance from another lender to | YOU R DEBT your Navy Federai Credit Card Learn more: navyfederal.org/myBT — insured by NCUA Navy Federal Credit Union SP 001 EFTA00124749

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Credit Union Visa Sgreture Czzadh Rewards MiNiMUM PAST DUE PAYMENT NEW AMOUNT [ payment DUE PAYMENT DUE DATE BALANCE eee ieee ENCLOSED | 20.00 0.00 04/08/2019 887.50 XXXX XXXx Xxxx PS PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. GLENDA ANDERSON-LAYNE te 0044333 0088750500020008406095688774150440609568877415043 > Va ACCOUNTNUMBER = xxxx 1c0c xx: Visa Signature G . Rewards ACCESS NUMBER — “se SUMMARY OF ACCOUNT ACTIVITY | PAYMENT INFORMATION | QUESTIONS Previous Balance $4,083.99 | New Balance $887.50| Credit Card Services Payments -$4,125.28, | Minimum Payment Due $20.00| | 8e#-#42.6328 Other Credits -$175.41 | Payment Due Date 0408/2019 Send Billing Inquiries To: Purchases +$1,104.20 | Late Payment Warning: !f we do not receive your Navy Federal Credit Union Cash Advances +$0.00 | minimum payment by the date listed above, youmay| P.O. Bax 3501 Fees Charged +$0.00| | have to pay a $20.00 late fee and your APRs may be} | Merrifield VA 22119-3501 increased up to the Penalty APR of 18.00%. . interest & hanged sae m4 Minimum Payment Warning: If you make only the on ieee Te: ince . minimum payment each period, you will pay more in) | po gax 3500 Past Due Amount $0.00 | | interest and it will take you longer to pay off your! | perrifieid VA 22119-3500 Credit Limit $6,500.00 | balance. For example: Available Credit $5,612.50 Wyoumaka no To view your account Cash Limit $3,250.00 | additional charges Ue pay off And you wit end | Online visit navyfederal.org using this card nelenoe Uebel Available Cash $3,250.00 andeach month | Shown on this estimated If you would Ske information about Statement Closing Date 03/11/2019 you pay... statement in total of... | credit counseling services, go to Days in Billing Cycle 28 — Witps:/hwaw justice. gowustlist- Only the minimum 5 $1,175 credit-counseling-agences- payment years d Spproved-pursuanit-11-use-111 $1,044 or call 1-888-503-7106. go SR rts EE eel oenigee sss IMPORTANT NOTICES “INFORMATION REGARDING YOUR MINIMUM PAYMENT DUE’ - YOUR MINIMUM PAYMENT DUE IS 2% OF 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 are not permitted on closed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date PostDate Reference No. Description Submitted By Amount 02/19/19 = O2/19/19 ©: 74080969050064440210007 NFO PAYMENT RECEIVED 29 2000 00% A $1,000.00 02/19/19 02/19/19 | 74060959050063540210008 NFO PAYMENT RECEIVED sooo 2000 100% $3,125.28 03/06/19 O3/07/19 — 74060959066423620198319 CASH REWARDS 2x 20x 200K A $175.41 TOTAL PAYMENTS AND CREDITS $4,300.69 Navy Federal Credit Union SP 001 EFTA00124750

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7 | CREDIT CARD CHANGE OF ADDRESS NFCU ACCOUNT NO. RANK/RATE NAME (FIRST MI NEW ADDRESS ay SIAIE APPLICANT OR CO-APPLICANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLETO: n VISA ONLY oO ALL APPLICANT'S NFCU ACCOUNTS: oO JOINT COWNER(S)4F NECL SAVINGS IS A JOINT ACCOUNT [wasccour No. WORK TELEPHONE LAST SUFFIX) 4iP DOUE MB Page 204 Information About Your Visa® Account Important Telephone Numbers For Navy Federal Credit Card Services For Credit Card Services and Last Cards, call toll-free . . .. - 1-888-842-6328 Collect internationally . . «1-703-255-8837 For toll free numbers when overseas. . -havyfederal.org/overseas/ Emergency Assistance... ....... . -1-B00-VISA-911 Emergency Assistance (from overseas, call collect) . . . 1-410-581-9994 Variable Rate Information: Your Standard APR will vary based on the U.S. Prime Rate. This means your APR could increase if the U.S. Prime Rate increases or decrease if the U.S. Prime Rate decreases. An increase or decrease in your APR will affect the total @mnount of interest you pay. Your APR is adjusted monthly on the first business day of the month; it is determined by adding a Margin to the U.S. Prime Rate published in the Wail Street Journa/on the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation of your credit history. Payments: Payrnents may be made by mail, electronic transfer, or at a branch in person. All payments must be made in U.S. dollars. Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Merrifield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the same day. In some cases, available credit may be delayed until the payment is verified. Mailed payments to your credit card account may not be commingled with funds designated for credit to other Navy Federal accounts. We will accept late or partial payments without forfeiting any of Navy Federal's rights under this Agreement. Payments that are marked “paid in full" and that are of an amount less than the balance on the credit card account, or that are marked with any other restrictive Endorsements, should be sent to P.O. Box 3501, Merrifield, VA 22119, Attn. Credit Card ion. Transactions Made in Currency: All Visa purchases and cash advances will be billed to you in U.S. dollars. The rate of exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa Rself receives or the government-mandated rate in effect for the applicable central processing date. Paying Interest: Your due date is at least 25 days after the clase of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers, and convenience checks on the transaction date. ATM Cash Advance Fees: None if performed at a Navy Federal branch or ATM. Otherwise $0.50 per domestic transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be charged an ATM fee by the owner of the ATM. How We Determine The Amount Of Interest Charges: Navy Federal calculates interest charges on your account by applying the periodic rate to the average daily balance of your account, induding current transactions. To get the average daily balance, we take the beginning balance of your account each day, add new purchases and cash advances, and subtract any payments, credits, and unpaid interest charges to give us the daily balance. Then, we add up all of the daily batances for the billing cyde and divide the total by the number of days in the billing cycle. This gives us the average daily balance. You can find your “average daily balance” for each billing cycle in the “Balance Subject to Interest Rate" column of your statement. Payment Allocation: In general, we will apply your minimum payment to the overlimit @mnount (if any), interest, and fees first before applying it to principal balances. If your account has balances with different APRs, we will apply the minimum payment first to the balance with the lowest APR before balances with higher APRs. Any payment amount in excess of the minimum payment will be allocated to the balance with the highest APR and any remaining portion to the other balances in descending order based on APR. © 2017 Navy Federal NFCU 577V (12-17) Navy Federal Credit Union Billing Rights Summary What fo Do i You Think You Find a Mistake on Your Statement Tf you think there is an error on your statement, write to us at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. Tn your letter, give us the following information: * Account information: Your name and account number * Dovfar amount: The dollar amount of the suspected error * Description of problem: If you think there is an error on your bill, describe what you believe is wrang and why you believe & is a mistake. ‘You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing or electronically. You may call us, but if you do, we are not required to investigate any potential errors, and you may have to pay the amount in question. ‘While we investigate whether or not there has been an error, the following are true: * We cannot try to collect the amount in question or report you as delinquent on that amount. * The charge in question may remain on your statement, and we may continue to charge ‘you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. * While you do not have to pay the amount in question, you are responsible for the remainder of your balance. * We can apply any unpaid amount against your crecit limit. Your Rights J You Ave Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Nether of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances fram an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. Tf all of the criteria above are met and you are still dissatisfied with the purchase, contact US in writing or electronically at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. ‘While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, f we think you owe an amount and you Go not pay, we may report you as delinquent. SP 001 EFTA00124751

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NAVY o Credit Union MB Pap sore TRANSACTIONS GLENDAANDERSON-LAYNE = xxxx xxxx xxxx SD Trans Date PostDate Reference No. Description Amount 02/11/19 02/12/19 249064190420686068334428 ~HSN*HSN1556820495 30F6 800-9332887 FL $6.90 02/11/19 02/12/19 24906419042088069567388 HSN*HSN1547150582 40F5 800-9332887 FL $16.99 02/11/19 02/12/19 24906419042066069856725 HSN*HSN1547150583 4OF4 800-9332887 FL $10.50 02/11/19 02/12/19 24906419042088088297053 HSN*HSN1556820492 30F6 800-9332887 FL $6.90 02/16/19 02/18/19 249064190470688337776016 HSN*HSN1564848527 20F6 800-9332887 FL $6.83 02/16/19 02/18/19 24906419047086335739990 HSN*HSN1564849507 20F6 800-9332887 FL $6.83 02/16/19 02/18/19 24906419047086336880199 HSN*HSN1564849506 20F6 800-9332887 FL $6.83 02/16/19 02/18/19 24906419047068335203005 HSN*HSN1564848547 20F6 800-9332887 FL $6.83 02/17/19 02/18/19 | 24692169048100145554760 QVC*577053471201*30F6 800-367-9444 PA $7.62 02/18/19 02/19/19 — 24906419049088425170005 HSN*HSN1548827625 40F6 800-9332887 FL $54.99 02/18/19 02/19/19 — 24906419049086427655227 HSN*HSN1541651365 SOFS 800-9332887 FL $5.99 02/20/19 02/21/19 — 24692169051100429520929 QVC*575715176801°4OF6 800-367-9444 PA $7.62 02/20/19 02/21/19 — 24692169051100429520937 QVC*S75716561701°4OF4 800-367-9444 PA $20.54 02/20/19 02/21/19 24055239051083718423258 WALMART.COM 8009666546 800-966-6546 AR $91.51 02/20/19 02/21/19 — 24906419051066529168108 HSN*HSN1556820493 30F3 800-9332887 FL $8.81 02/21/19 02/22/19 — 24692169052100090592339 QVC*575782129901°4OF5 800-367-9444 PA $5.27 02/21/19 02/22/19 24692169052100090592347 QVC*577282450202*30F6 800-367-9444 PA $8.88 02/21/19 02/22/19 24692169052100090592354 OVC"577282450201*30F6 800-367-9444 PA $130.64 02/21/19 02/22/19 24692169052100090592362 QVC*577282450203°30F6 800-367-9444 PA $8.88 02/21/19 02/22/19 — 24692169052100090592370 QVC*575782270801°4OF6 800-367-9444 PA $11.23 02/22/19 02/25/19 24892169053100657398947 QVC*5S75715176701°4OF6 800-367-9444 PA $7.62 02/23/19 02/25/19 24692169054100299375773 QVC*579078338501°10F2 800-367-9444 PA $20.12 02/23/19 02/25/19 246921690541002983757681 QVC"°575782129903*40F5 800-367-9444 PA $5.87 02/23/19 02/25/19 24692169054100299375799 QVC*575782129902°40F5 800-367-9444 PA $7.20 02/23/19 02/25/19 24226369055370372053284 ~SAMSCLUB.COM 888-746-7726 AR $45.00 02/26/19 02/27/19 24492159057637855797775 HALOZCLOUD LLC HTTPSSHOP.HALCT $89.97 02/26/19 02/27/19 | 24692169057100207073079 GROUPON INC GROUPON.COM IL $17.41 02/26/19 02/27/19 24692169057100207078912 GROUPON INC GROUPON.COM IL $1741 02/26/19 02/27/19 | 24692169057100207117819 GROUPON INC GROUPON.COM IL $22.45 02/26/19 02/27/19 | 24692169057100207137862 GROUPON INC GROUPON.COM IL $18.50 03/02/19 03/04/19 —-24692169061100598812303 QVC*576190265504*40F6 800-367-9444 PA $12.20 03/02/19 0304/19 —-24692769061100598812511 QVC*576293400902*40F5 800-367-9444 PA $11.96 03/02/19 03/04/19 —-24692169061100598812329 OVC*S576190265505*40F6 800-367-9444 PA $12.20 03/02/19 0304/19 —-24692169061100598812337 QYC*576190265501°40F6 800-367-9444 PA $12.40 03/02/19 03/04/19 —- 246892169061100598812345 OQVC*576190265502°40F6 800-367-9444 PA $12.40 03/02/19 03/04/19 —- 24692169061100598812352 QVC*576190265503°40F6 800-367-9444 PA $12.20 03/03/19 OW04/19 —-24692169062100197772220 QYC*576293400901*40F5 800-367-9444 PA $11.96 03/06/19 03/07/19 — 24692169065100097832975 OQVC*573831726601°6OF6 800-367-9444 PA $62.38 03/07/19 03/08/19 «24892 169066100624861188 QVC*573831880901°6OFE6 800-367-9444 PA $63.48 03/08/19 030/19 —-24431069067083031945652 TARGET.COM * 800-591-3869 MN $41.84 03/08/19 0311/19 — 24692169067100222540985 NETFLIX.COM NETFLIX.COM CA $10.99 03/08/19 0311/19 — 24906419067089488968882 Eyine *136759268 800-6765523 MN $45.49 03/08/19 03/11/19 24906419067089489725152 Evine *136720339 800-6765523 MN $93.51 03/08/19 03/11/19 — 2490641906708949133814 HLU*Hulu 956791389253-U HULU.COMIBILLCA $5.99 03/10/19 03/11/19 —- 24692169069100450231362 QVC*S76648875501°40F6 800-367-9444 PA $13.06 TOTAL New Activity for GLENDA ANDERSON-LAYNE $1,104.20 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $0.00 Total Interest charged in 2019 $97.12 Navy Federal Credit Union SP 001 EFTA00124752

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Visa Sgreture Czas Rewards HE Pop sofa 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 Advances 13.90% (v) $0.00 $0.00 Bal TritCony Chk” 11.90% (v) $0.00 $0.00 (v) = Variable Rate * Bal TriConv 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

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NAVY © FEDERAL a woe Credit Union Visa Signature Claude Rewards MINIMUM PAST DUE PAYMENT NEW ‘AMOUNT | pavMeNt DUE PAYMENT DUE DATE satance | ACCOUNT NUMBER ENCLOSED | 0.00 0.00 05/08/2019 5,871.73 xxxx xxxx xxxx M$ PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 GLENDA ANDERSON-LAYNE te OO#s0b2 MERRIFIELD VA 22119-3500 XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXK . ~~» V4 ACCOUNT NUMBER xxx sc0oc xx A Visa Signature G . Rewards ACCESS NUMBER — “se SUMMARY OF ACCOUNT ACTIVITY ] PAYMENT INFORMATION QUESTIONS Previous Balance $887.50 | New Balance $5,871.73| Credit Card Services Payments -$2,143.47, | Minimum Payment Due NONE| | *S88-#42-6328 Other Credits -$138.31 | Payment Due Date 0508/2019 Send Billing Inquiries To: Purchases +$7,266.01 | Late Payment Warning: !f we do not receive your Navy Federal Credit Union Cash Advances +$0.00 | minimum payment by the date listed above, youmay| | P.O. Bax 3501 Fees Charged +$0.00| | have to pay a $20.00 late fee and your APRs may be} | Merrifield VA 22119-3501 Interest Charged +$0.00 Incramgged up to the Pangily APR of 18.01%. Send Payments To: New Balance $5,871.73 Minimum Payment Warning: If you make only the Navy Federal = minimum payment each period, you will pay more in) | po gax 3500 Past Due Amount $0.00 | | interest and it will take you longer to pay off your! | perrifieid VA 22119-3500 Credit Limit $6,500.00 | balance. For example: Available Credit $628.27| | [fyoumake ne To view your account Cash Limit $3,250.00 | additional charges Ue pay off baht Online visit navyfederal.org using this card balance up paying . Available Cash $628.27 andeach month | Shown on this estimated | Ifyou would Ske information about Statement Closing Date 04/11/2019 you pay... statement in total of... | credit counseling services, go to Days in Billing Cycle 31 about... https://warw justice gowlustlist- Only the minimum 20 years $11,073 credit-counseling-agences- payment y , Spproved-pursuanit-11-use-111 $7,020 or call 1-888-503-7106. $195 3 years {Savings = $4,053) REWARDS SUMMARY Start Balance Earned Bonus Redeemed Adjusted Purged End Balance $5.05 $108.13 $0.00 $84.99 $0.00 $0.00 $28.19 Redemptions are not permitted on closed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date PostDate Reference No. Description Submitted By Amount 03/15/19 03/18/19 74060959074067460310005 NFO PAYMENT RECEIVED XXXK 20x 20x $1,143.47 03/20/19 03/21/19 | 74692169079100554578901 GROUPON INC sono 0c 1000 $18.50 GROUPON.COM IL 03/20/19 03/21/19 74692169079100554580030 GROUPON INC ron 000 00x ID $17.41 GROUPON.COM IL 03/21/19 03/22/19 + 74692169080100072583513 GROUPON INC 000k 100K 100% I $17.41 GROUPON.COM IL 03/25/19 03/26/19 74060959085423620205525 CASH REWARDS 200 200K 200% $84.99 03/26/19 03/26/19 74080969085062440320007 NFO PAYMENT RECEIVED sono 100K 100% I $500.00 03/26/19 03/26/19 740609590850833403200068 NFO PAYMENT RECEIVED sone 00x 1000 ED $500.00 TOTAL PAYMENTS AND CREDITS $2,281.78 Navy Federal Credit Union SP 001 EFTA00124754

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7 | CREDIT CARD CHANGE OF ADDRESS NFCU ACCOUNT NO. RANK/RATE NAME (FIRST MI NEW ADDRESS ay SIAIE APPLICANT OR CO-APPLICANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLETO: n VISA ONLY oO ALL APPLICANT'S NFCU ACCOUNTS: oO JOINT COWNER(S)4F NECL SAVINGS IS A JOINT ACCOUNT [wasccour No. WORK TELEPHONE LAST SUFFIX) 4iP DOUE MB Page 204 Information About Your Visa® Account Important Telephone Numbers For Navy Federal Credit Card Services For Credit Card Services and Last Cards, call toll-free . . .. - 1-888-842-6328 Collect internationally . . «1-703-255-8837 For toll free numbers when overseas. . -havyfederal.org/overseas/ Emergency Assistance... ....... . -1-B00-VISA-911 Emergency Assistance (from overseas, call collect) . . . 1-410-581-9994 Variable Rate Information: Your Standard APR will vary based on the U.S. Prime Rate. This means your APR could increase if the U.S. Prime Rate increases or decrease if the U.S. Prime Rate decreases. An increase or decrease in your APR will affect the total @mnount of interest you pay. Your APR is adjusted monthly on the first business day of the month; it is determined by adding a Margin to the U.S. Prime Rate published in the Wail Street Journa/on the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation of your credit history. Payments: Payrnents may be made by mail, electronic transfer, or at a branch in person. All payments must be made in U.S. dollars. Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Merrifield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the same day. In some cases, available credit may be delayed until the payment is verified. Mailed payments to your credit card account may not be commingled with funds designated for credit to other Navy Federal accounts. We will accept late or partial payments without forfeiting any of Navy Federal's rights under this Agreement. Payments that are marked “paid in full" and that are of an amount less than the balance on the credit card account, or that are marked with any other restrictive Endorsements, should be sent to P.O. Box 3501, Merrifield, VA 22119, Attn. Credit Card ion. Transactions Made in Currency: All Visa purchases and cash advances will be billed to you in U.S. dollars. The rate of exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa Rself receives or the government-mandated rate in effect for the applicable central processing date. Paying Interest: Your due date is at least 25 days after the clase of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers, and convenience checks on the transaction date. ATM Cash Advance Fees: None if performed at a Navy Federal branch or ATM. Otherwise $0.50 per domestic transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be charged an ATM fee by the owner of the ATM. How We Determine The Amount Of Interest Charges: Navy Federal calculates interest charges on your account by applying the periodic rate to the average daily balance of your account, induding current transactions. To get the average daily balance, we take the beginning balance of your account each day, add new purchases and cash advances, and subtract any payments, credits, and unpaid interest charges to give us the daily balance. Then, we add up all of the daily batances for the billing cyde and divide the total by the number of days in the billing cycle. This gives us the average daily balance. You can find your “average daily balance” for each billing cycle in the “Balance Subject to Interest Rate" column of your statement. Payment Allocation: In general, we will apply your minimum payment to the overlimit @mnount (if any), interest, and fees first before applying it to principal balances. If your account has balances with different APRs, we will apply the minimum payment first to the balance with the lowest APR before balances with higher APRs. Any payment amount in excess of the minimum payment will be allocated to the balance with the highest APR and any remaining portion to the other balances in descending order based on APR. © 2017 Navy Federal NFCU 577V (12-17) Navy Federal Credit Union Billing Rights Summary What fo Do i You Think You Find a Mistake on Your Statement Tf you think there is an error on your statement, write to us at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. Tn your letter, give us the following information: * Account information: Your name and account number * Dovfar amount: The dollar amount of the suspected error * Description of problem: If you think there is an error on your bill, describe what you believe is wrang and why you believe & is a mistake. ‘You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing or electronically. You may call us, but if you do, we are not required to investigate any potential errors, and you may have to pay the amount in question. ‘While we investigate whether or not there has been an error, the following are true: * We cannot try to collect the amount in question or report you as delinquent on that amount. * The charge in question may remain on your statement, and we may continue to charge ‘you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. * While you do not have to pay the amount in question, you are responsible for the remainder of your balance. * We can apply any unpaid amount against your crecit limit. Your Rights J You Ave Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Nether of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances fram an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. Tf all of the criteria above are met and you are still dissatisfied with the purchase, contact US in writing or electronically at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. ‘While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, f we think you owe an amount and you Go not pay, we may report you as delinquent. SP 001 EFTA00124755

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NAVY o Credit Union MB Pap sore TRANSACTIONS GLENDA ANDERSON-LAYNE = xxxx xxxx xxxx SD Trans Date PostDate Reference No. Description Amount 03/13/19 03/14/19 -246892169072100096761044 AMZN Mktp US*MW3EK9ZE1 Amzn.comibillWA $34.98 03/13/19 03/14/19: 24692169072100143546520 AMZN Mktp US*MWOOLON61 Amzn.com/billWA $13.93 03/13/19 03/14/19 -24692169072100798987304 WALMART.COM 800-966-6546 AR $72.87 03/13/19 03/14/19 — 24906419072089728381604 HSN*HSN1556820495 40F6 800-9332887 FL $6.90 03/13/19 03/14/19 — 24906419072089731431188 ~HSN*HSN1556820492 40F6 800-9332887 FL $6.90 03/13/19 03/14/19 -246892169072100315222403 AMZN Mktp US*MWONA2ND1 Amzn.comi/bill WA $38.99 03/13/19 03/14/19: 24692169072100352406471 AMZN Mktp US*MWS55A53P1 Amzn.combillWA $30.30 03/13/19 03/14/19 -24906419072089732975235 HSN*HSN1576110912 10F3 800-9332887 FL $34.11 03/13/19 03/14/19 — 24906419072089733093905 HSN*HSN1547150582 SOF5 800-9332887 FL $16.99 03/15/19 03/18/19: 24906419074069834773445 HSN*HSN1576674991 10F3 800-9332887 FL $40.27 03/18/19 03/19/19 24906419077069888716774 HSN*HSN1564848547 30F6 800-9332887 FL $6.83 03/18/19 03/19/19 24906419077069993556604 HSN*HSN1564849506 30F6 800-9332887 FL $6.83 03/18/19 03/19/19 24906419077089893559517 HSN*HSN1564848527 3OF6 800-9332887 FL $6.83 03/18/19 031919 — 24906419077089992893085 HSN*HSN1564849507 3OF6 800-9332887 FL $6.83 03/20/19 —OB/21/19 _248821H9079100300438254 QVC*S77053471201°4OF6 800-367-9444 PA $7.62 03/20/19 03/21/19 24906419079070103365660 HSN*HSN1548827625 SOF6 800-9332887 FL $54.99 03/19/19 03/21/19 24707809079030036759693 Tyly RinckeyPLLC 518-218-7100 NY $5,000.00 03/23/19 O325/19 — 24692169062100081051646 OVC"575715176801*SOF6 800-367-9444 PA $7.62 03/24/19 0/25/19 246892169083100858316561 QVC*S75782270801°SOF6 800-367-9444 PA $11.23 03/24/19 03/25/19 -248921H9083100858318579 QVC*S77282450202"40F6 800-367-9444 PA $8.88 03/24/19 03/25/19: 24892169083 100B583165E7 QVC*S77282450203°40F6 800-367-9444 PA $8.88 03/24/19 0/25/19: 24692769063100858318595 QVC*577282450201°4OF6 800-367-9444 PA $130.64 03/24/19 03/25/19 — 24692169063100656316603 OVC"°575782129901*SOFS 800-367-9444 PA $5.27 03/24/19 03/25/19: 24492159083637042782332 SPp* WOODEN SHIPS = HTTPSWOODENSHNY $303.00 03/24/19 03/25/19 24445009083300418327703 |MPORTFOOD COM 425-687-1708 ID $122.43 03/24/19 03/25/19 24445009084600040218083 HAUTLK RACK8885478438 888-547-8438 CA $112.18 03/25/19 0326/19 24692169084100197338554 QVC*575715176701°SOF6 800-367-9444 PA $7.62 03/26/19 03/27/19 24692169085100824956314 OVC"575782129903°SOFS 800-367-9444 PA $5.87 03/26/19 — OB/27/19 —-248927B9085100824958322 QVC*S79078338501*20F2 800-367-9444 PA $20.12 03/26/19 — OW27/19 --248927H9085100824958320 QVC*S75782129902"5OFS 800-367-9444 PA $7.20 03/2619 03/27/19 ©. 24445008085600048207853 HAUTLK RACKS8885478438 888-547-8438 CA $244.88 03/26/19 0327/19 24138299086286423809388 BED BATH & BEYOND #651 973-785-4333 NJ $77.21 03/28/19 04/01/19 24492159088894569236391 PURE INDIAN FOODS 877-588-4433 NJ $55.70 040119 = 04/02/19: 24483479091277255874949 |HERB.COM 195-161636001CA $42.77 04/01/19 = 04/02/19: 24204299081275152764833 |HERB.COM 195-16163600 CA $45.60 04/02/19 04/03/19 —-24692769082100887544239 QVC*S76190265505°SOF6 800-367-9444 PA $12.20 04/02/19 04/03/19 — 24692169092100887544247 QYC*576293400902*50F5 800-367-9444 PA $11.96 04/02/19 04/03/19 --24892189082100987544254 QVC*S76190265501°SOF6 800-367-9444 PA $12.40 04/02/19 4/03/19 —-«-248921H90821008875442E2 QVC*S7E190265504"SOFE 800-367-9444 PA $12.20 04/02/19 —O4/03/19 —-«-24892769082100887544270 QVC*S76190265502°SOF6 800-367-9444 PA $12.40 04/02/19 04/03/19 —- 24692169092100887544288 QVC*576190265503°5OF6 800-367-9444 PA $12.20 04/03/19 04/04/19 —-24692169093100587144389 QVC*576293400901*5OFS5 800-367-9444 PA $11.96 04/04/19 04/05/19 —-:24559309054900013552276 KOKOON, INC. DBA INHABIT 212-5753800 NY $195.17 04/07/19 04/08/19 ~©—-24906419087071088927894 Eyine *136759268.VP 800-6765523 MN $23.31 04/08/19 04/09/19 ——-24692169098100564052438 NETFLIX.COM NETFLIX.COM CA $10.99 04/08/19 O4/09/19 —-24906419098071137216439 HLU*Hulu 956791386571-U HULU.COM/BILLCA $5.99 04/09/19 O4/10/19 — 24055239099083318648975 WALMART.COM 8009666546 800-966-6546 AR $39.58 04/10/19 04/10/19 _:2443106910008S097097804 TARGET.COM * 800-591-3869 MN $25.22 04/10/19 4/11/19 -24892769100100765921807 QVC*S7EG48875501°SOFE 800-367-9444 PA $13.06 04/11/19 04/11/19 24431069101083038898525 TARGET.COM * 800-591-3869 MN $4.27 04/11/19 04/11/19 24431069101083040724120 TARGET.COM * 800-591-3869 MN $33.15 04/10/19 04/11/19 74313228100100778375013 ANZ*Daniel Footwear = amzn.com/pmts $226.68 Navy Federal Credit Union SP 001 EFTA00124756

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Visa Signature Clase Rewards GB Pom sofa TRANSACTIONS FOREIGN CURRENCY 172.75 GBP RATE 0.76209 TOTAL New Activity for GLENDA ANDERSON-LAYNE $7,266.01 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 Charga Purchases 11.90% (v) $0.00 $0.00 Cash Advances 13.90% (v) $0.00 $0.00 Bal TrfiCony Chk" 11.90% (v) $0.00 $0.00 (v) = Variable Rate * Bal TriiConv 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 EFTA00124757

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NAVY © FEDERAL a woe Credit Union Visa Sonature Canad Rewards MiNiMUM PAST DUE PAYMENT NEW AMOUNT PAYMENT DUE PAYMENT DUE DATE BALANCE eee ieee ENCLOSED 21.00 0.00 06/08/2019 1,006.34 ——_—xxxx xxxx xxxx PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXK GLENDA ANDERSON-LAYNE te 0339970 ~~ Va ACCOUNT NUMBER xxx sc0oc xx A Visa Signature G . Rewards ACCESS NUMBER — “se SUMMARY OF ACCOUNT ACTIVITY ] PAYMENT INFORMATION | QUESTIONS Previous Balance $5,871.73. | New Balance $1,006.34) Credit Card Services Payments -$7,301.73, | Minimum Payment Due $21.00| | See-#42.6328 Other Credits -$46.97_ | Payment Due Date 06/08/2019) | send Billing Inquiries To: Purchases +$2.483.31 | Late Payment Warning: !f we do not receive your Navy Federal Credit Union Cash Advances +$0.00 | minimum payment by the date listed above, youmay| P.O. Bax 3501 Fees Charged +$0.00| | have to pay a $20.00 late fee and your APRs may be} | Merrifield VA 22119-3501 Interest Charged +$0.00 increased up to the Penalty APR of 18.00%. Send Payments To: Minimum Payment Warning: If you make only the New Balance $1,006.34 i : Navy Federal minimum payment each period, you will pay more in) | po gax 3500 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 $6,500.00 | Wyoumake no To view your account Available Credit $5,493.66 | | |addtional Cesthachei | Scpbactont| Be a eile Cash Limit $3,250.00 using thie card | shown on this | estimated Ifyou would ke information about and each month “ ¥ Available Cash $3,250.00 you pay... statement in total of... | credit counseling services, go to Statement Closing Date 05/11/2019 —_—|_sB0ut. Mie: hele juatice goviustfist- Only the minimum credit-counseling-agences- Days in Billing Cycle 20 payment 6 years $1,399 approved: pursuart-11-usc-111 > $18 or call 1-888-503-7106. ees S yer. (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 $64.69 Redemptions are not permitted on closed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date PostDate Reference No. Description Submitted By Amount 04/15/19 04/15/19 —_74060959105068050410000 NFO PAYMENT RECEIVED 2300 2000 00x $871.73 04/21/19 04/22/19 740609591 12063020420008 NFO PAYMENT RECEIVED sono 00x 200% I $330.00 04/21/19 04/22/19 74060959112088130420004 NFO PAYMENT RECEIVED sone 00K 2000 ED $100.00 04/26/19 04/26/19 —_74080959116800000007362 PAYMENT RECEIVED —THANK = xxx .0xxx xxx $6,000.00 YOu 04/29/19 04/30/19 | 74313229119100807727035 AMZ*Daniel Footwear sone 00x 1000 $46.97 amzn.com/pmts TOTAL PAYMENTS AND CREDITS $7,348.70 Navy Federal Credit Union SP 001 EFTA00124758

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7 | CREDIT CARD CHANGE OF ADDRESS NFCU ACCOUNT NO. RANK/RATE NAME (FIRST MI NEW ADDRESS ay SIAIE APPLICANT OR CO-APPLICANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLETO: n VISA ONLY oO ALL APPLICANT'S NFCU ACCOUNTS: oO JOINT COWNER(S)4F NECL SAVINGS IS A JOINT ACCOUNT [wasccour No. WORK TELEPHONE LAST SUFFIX) 4iP DOUE MB Page 204 Information About Your Visa® Account Important Telephone Numbers For Navy Federal Credit Card Services For Credit Card Services and Last Cards, call toll-free . . .. - 1-888-842-6328 Collect internationally . . «1-703-255-8837 For toll free numbers when overseas. . -havyfederal.org/overseas/ Emergency Assistance... ....... . -1-B00-VISA-911 Emergency Assistance (from overseas, call collect) . . . 1-410-581-9994 Variable Rate Information: Your Standard APR will vary based on the U.S. Prime Rate. This means your APR could increase if the U.S. Prime Rate increases or decrease if the U.S. Prime Rate decreases. An increase or decrease in your APR will affect the total @mnount of interest you pay. Your APR is adjusted monthly on the first business day of the month; it is determined by adding a Margin to the U.S. Prime Rate published in the Wail Street Journa/on the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation of your credit history. Payments: Payrnents may be made by mail, electronic transfer, or at a branch in person. All payments must be made in U.S. dollars. Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Merrifield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the same day. In some cases, available credit may be delayed until the payment is verified. Mailed payments to your credit card account may not be commingled with funds designated for credit to other Navy Federal accounts. We will accept late or partial payments without forfeiting any of Navy Federal's rights under this Agreement. Payments that are marked “paid in full" and that are of an amount less than the balance on the credit card account, or that are marked with any other restrictive Endorsements, should be sent to P.O. Box 3501, Merrifield, VA 22119, Attn. Credit Card ion. Transactions Made in Currency: All Visa purchases and cash advances will be billed to you in U.S. dollars. The rate of exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa Rself receives or the government-mandated rate in effect for the applicable central processing date. Paying Interest: Your due date is at least 25 days after the clase of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers, and convenience checks on the transaction date. ATM Cash Advance Fees: None if performed at a Navy Federal branch or ATM. Otherwise $0.50 per domestic transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be charged an ATM fee by the owner of the ATM. How We Determine The Amount Of Interest Charges: Navy Federal calculates interest charges on your account by applying the periodic rate to the average daily balance of your account, induding current transactions. To get the average daily balance, we take the beginning balance of your account each day, add new purchases and cash advances, and subtract any payments, credits, and unpaid interest charges to give us the daily balance. Then, we add up all of the daily batances for the billing cyde and divide the total by the number of days in the billing cycle. This gives us the average daily balance. You can find your “average daily balance” for each billing cycle in the “Balance Subject to Interest Rate" column of your statement. Payment Allocation: In general, we will apply your minimum payment to the overlimit @mnount (if any), interest, and fees first before applying it to principal balances. If your account has balances with different APRs, we will apply the minimum payment first to the balance with the lowest APR before balances with higher APRs. Any payment amount in excess of the minimum payment will be allocated to the balance with the highest APR and any remaining portion to the other balances in descending order based on APR. © 2017 Navy Federal NFCU 577V (12-17) Navy Federal Credit Union Billing Rights Summary What fo Do i You Think You Find a Mistake on Your Statement Tf you think there is an error on your statement, write to us at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. Tn your letter, give us the following information: * Account information: Your name and account number * Dovfar amount: The dollar amount of the suspected error * Description of problem: If you think there is an error on your bill, describe what you believe is wrang and why you believe & is a mistake. ‘You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing or electronically. You may call us, but if you do, we are not required to investigate any potential errors, and you may have to pay the amount in question. ‘While we investigate whether or not there has been an error, the following are true: * We cannot try to collect the amount in question or report you as delinquent on that amount. * The charge in question may remain on your statement, and we may continue to charge ‘you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. * While you do not have to pay the amount in question, you are responsible for the remainder of your balance. * We can apply any unpaid amount against your crecit limit. Your Rights J You Ave Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Nether of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances fram an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. Tf all of the criteria above are met and you are still dissatisfied with the purchase, contact US in writing or electronically at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. ‘While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, f we think you owe an amount and you Go not pay, we may report you as delinquent. SP 001 EFTA00124759

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NAVY Credit Union WEE Pap ote TRANSACTIONS GLENDAANDERSON-LAYNE = xxxx xxxx xxxx SD Trans Date PostDate Reference No. Description Amount 04/12/19 04/15/19 — 249064191020713480296872 HSN*HSN1556820492 SOF6 800-9332887 FL $6.90 04/12/19 04/15/19 — 24906419102071350465438 HSN*HSN1556820495 SOF6 800-9332887 FL $6.90 04/12/19 04/15/19 — 24906419102071351036590 +HSN*HSN1576110912 20F3 800-9332887 FL $23.33 04/14/19 04/15/19 — 24906419104071444898665 HSN*HSN1576674991 20F3 800-9332887 FL $26.65 04/16/19 04/17/19 — 24692169106100575800615 EXPEDIAARP111778759576 800-675-4318 WA $884.04 04/17/19 04/18/19 —- 24906419107071608734604 HSN*HSN1564849507 40F6 800-9332887 FL $6.83 04/17/19 04/18/19 —- 24906419107071607334349 HSN*HSN1564849506 40F6 800-9332887 FL $6.83 04/17/19 04/18/19 24906419107071607445970 HSN*HSN1564848527 40F6 800-9332887 FL $6.83 04/17/19 04/18/19 — 24906419107071605062512 HSN*HSN1564848547 4OF6 800-9332887 FL $6.83 04/18/19 04/19/19 — 24906419108071660385104 HSN*HSN1583152421 800-9332887 FL $42.79 04/18/19 04/19/19 — 24906419108071660385013 HSN*HSN1583152419 800-9332887 FL $42.79 04/18/19 04/19/19 — 24906419108071660978221 HSN*HSN1583152420 800-9332887 FL $42.79 04/19/19 04/22/19 24906419109071715003321 HSN*HSN1548827625 GOF6 800-9332887 FL $54.99 04/20/19 04/22/19 24692169110100730865038 QVYC*577053471201°SOF6 800-367-9444 PA $7.62 04/20/19 04/22/19 24240529110602171375304 HEALTHY GOODS 541-203-4402 OR $104.32 04/20/19 04/22/19 - 24431059110207880377202 D'ARTAGNAN-ECOMM 800-327-8426 NJ $144.82 04/23/19 04/24/19 —- 24692169113100315010601 QVC*575715176801°6OF6 800-367-9444 PA $7.62 04/23/19 04/24/19 —-24492159113637386591244 SP * GINGERCHI GINGERCHI.MYSNY $79.10 04/24/19 04/25/19 24692169114100872914749 QVC*577282450201*5OF6 800-367-9444 PA $130.64 04/24/19 04/25/19 —- 246892169114100872914756 QVC*577282450203°SOF6 800-367-9444 PA $8.88 04/24/19 04/25/19 — 24692169114100872914764 QVC*577282450202*5OF6 800-367-9444 PA $8.88 04/24/19 04/25/19 24692169114100872914772 QVC*575782270801°6OF6 800-367-9444 PA $11.23 04/24/19 04/25/19 24690519114286460300108 YUMMIE 212-704-4242 NY $12.06 04/24/19 04/25/19 24690519114286460300124 YUMMIE 212-704-4242 NY $3.50 04/25/19 04/26/19 24692169115100457673986 QVC*575715176701*6OF6 800-367-9444 PA $7.62 04/27/19 04/29/19 — 24204299117002879854836 |HERB.COM 195-16163600 CA $61.35 05/03/19 OS/06/19 —-24692169123100300089385 QVC*576190265501*6OF6 800-367-9444 PA $12.40 05/03/19 OS/06/19 —-24692169123100300099383 QVC*576190265502°60F6 800-367-9444 PA $12.40 05/03/19 OS/06/19 — 2469216912310030009M01 QVC*576190265504*60F6 800-367-9444 PA $12.20 05/03/19 OS/06/19 2469216912310030009%19 QVC*576190265505°60F6 800-367-9444 PA $12.20 05/03/19 05/06/19 24692769123100300099427 QVC*576190265503°60F6 800-367-9444 PA $12.20 05/07/19 05/08/19 —- 24055229127200755000018 ~ARMY NAVY OUTDOORS NL Il 954-973-6389 FL $131.96 05/06/19 05/08/19 —-24445009128600053822332 HAUTLK RACK8885478438 888-547-8438 CA $224.51 08/07/19 05/08/19 — 24906419127072707518938 Eyine *136759268.VP 800-6765523 MN $23.31 05/08/19 OS/0g19 —- 24906419128072769520969 HLU*Hulu 956791388448-U HULU.COMIBILLCA $5.99 05/08/19 OS/10/19 —-24013399129001162058654 AT WEST END ATWESTEND.COMMS $290.00 TOTAL New Activity for GLENDA ANDERSON-LAYNE $2,483.31 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 Purchases 11.90% (v) $0.00 $0.00 Cash Advances 13.90% (v) $0.00 $0.00 Navy Federal Credit Union SP 001 EFTA00124760

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GB Pom sofa 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 TriltCony Chk” 11.90% (v) $0.00 $0.00 (v) = Variable Rate * Bal TrifConv 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

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NAVY © FEDERAL a woe Credit Union Visa Signature ee, Rewards MINIMUM PAST DUE PAYMENT NEW ‘AMOUNT | pavMeNt DUE PAYMENT DUE DATE satance | ACCOUNT NUMBER ENCLOSED | 0.00 0.00 07/08/2019 1,388.24 XXXX XxXxXx xxxx RS PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. GLENDA ANDERSON-LAYNE te XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXK . ~~» ACCOUNT NUMBER = xxx 20000 2000 Visa Signature Cashe Rewards ACCESS NUMBER — “se SUMMARY OF ACCOUNT ACTIVITY ] PAYMENT INFORMATION QUESTIONS Previous Balance $1,006.34 | New Balance $1,388.24| | Credit Card Services Payments -$1,006.34 | Minimum Payment Due NONE| | *S88-#42-6328 Other Credits -$278.56 | Payment Due Date 0708/2019 Send Billing Inquiries To: Purchases +$1,666.80 | Late Payment Warning: !f we do not receive your Navy Federal Credit Union Cash Advances +$0.00 | minimum payment by the date listed above, youmay| P.O. Bax 3501 Fees Charged +$0.00| | have to pay a $20.00 late fee and your APRs may be} | Merrifield VA 22119-3501 Int t Charged +$0.00 increased up to the Penalty APR of 18.00%. Send Pay! ¢ To: h Balance $1,388.24 | |Minimum Payment Warning: If you make only the Navy fee =” minimum payment each period, you will pay more in) | po gax 3500 Past Due Amount $0.00 | | interest and it will take you longer to pay off your! | perrifieid VA 22119-3500 Over Limit Amount $0.00 | balance. For example: | Credit Limit $8,000.00 | Wyoumake no To view your account Available Credit $6,611.76) | |sddtional charges) “OWE Eat om | Ae gan | | | onine weit navytederat.org Cash Limit $4,000.00 | | using We cart shown on this | estimated Ifyou would Ske information about Available Cash $4,000.00 you pay... statement in total of... credit counseling services, go to Statement Closing Date” 06/11/2019) | [oo ine minimum an Gest difecing scans. Days in Billing Cycle 3 y payment 9 years $2,168 Soecoiigparaisnt’s taasat11 5 $1,656 or call 1-888-503-7106. $48 Syears | (Savings = $512) 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 HAVE A QUESTION ABOUT YOUR ACCOUNT, PLEASE DO NOT HESITATE TO CALL. REWARDS SUMMARY Start Balance Earned Bonus Redeemed Adjusted Purged End Balance $64.69 $20.77 $0.00 $0.00 $0.00 $0.00 $85.46 Redemptions are not permitted on closed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date PostDate Reference No. Description Submitted By Amount 05/21/19 05/23/19 --74013399142002926049686 AT WEST END JACKSON 900 .00x 000 ED $246.50 MS 05/2619 05/28/19: 74080969148060340520002 NFO PAYMENT RECEIVED 2900 00K 2000 $1,006.34 06/01/19 06/03/19 -74692169152100096492916 AMZN Mktp US 2oner 00K 2000 ED $32.06 Amzn.com/billWA TOTAL PAYMENTS AND CREDITS $1,284.90 Navy Federal Credit Union O04 7b44 SP 001 EFTA00124762

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7 | CREDIT CARD CHANGE OF ADDRESS NFCU ACCOUNT NO. RANK/RATE NAME (FIRST MI NEW ADDRESS ay SIAIE APPLICANT OR CO-APPLICANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLETO: n VISA ONLY oO ALL APPLICANT'S NFCU ACCOUNTS: oO JOINT COWNER(S)4F NECL SAVINGS IS A JOINT ACCOUNT [wasccour No. WORK TELEPHONE LAST SUFFIX) 4iP DOUE MB Page 204 Information About Your Visa® Account Important Telephone Numbers For Navy Federal Credit Card Services For Credit Card Services and Last Cards, call toll-free . . .. - 1-888-842-6328 Collect internationally . . «1-703-255-8837 For toll free numbers when overseas. . -havyfederal.org/overseas/ Emergency Assistance... ....... . -1-B00-VISA-911 Emergency Assistance (from overseas, call collect) . . . 1-410-581-9994 Variable Rate Information: Your Standard APR will vary based on the U.S. Prime Rate. This means your APR could increase if the U.S. Prime Rate increases or decrease if the U.S. Prime Rate decreases. An increase or decrease in your APR will affect the total @mnount of interest you pay. Your APR is adjusted monthly on the first business day of the month; it is determined by adding a Margin to the U.S. Prime Rate published in the Wail Street Journa/on the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation of your credit history. Payments: Payrnents may be made by mail, electronic transfer, or at a branch in person. All payments must be made in U.S. dollars. Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Merrifield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the same day. In some cases, available credit may be delayed until the payment is verified. Mailed payments to your credit card account may not be commingled with funds designated for credit to other Navy Federal accounts. We will accept late or partial payments without forfeiting any of Navy Federal's rights under this Agreement. Payments that are marked “paid in full" and that are of an amount less than the balance on the credit card account, or that are marked with any other restrictive Endorsements, should be sent to P.O. Box 3501, Merrifield, VA 22119, Attn. Credit Card ion. Transactions Made in Currency: All Visa purchases and cash advances will be billed to you in U.S. dollars. The rate of exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa Rself receives or the government-mandated rate in effect for the applicable central processing date. Paying Interest: Your due date is at least 25 days after the clase of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers, and convenience checks on the transaction date. ATM Cash Advance Fees: None if performed at a Navy Federal branch or ATM. Otherwise $0.50 per domestic transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be charged an ATM fee by the owner of the ATM. How We Determine The Amount Of Interest Charges: Navy Federal calculates interest charges on your account by applying the periodic rate to the average daily balance of your account, induding current transactions. To get the average daily balance, we take the beginning balance of your account each day, add new purchases and cash advances, and subtract any payments, credits, and unpaid interest charges to give us the daily balance. Then, we add up all of the daily batances for the billing cyde and divide the total by the number of days in the billing cycle. This gives us the average daily balance. You can find your “average daily balance” for each billing cycle in the “Balance Subject to Interest Rate" column of your statement. Payment Allocation: In general, we will apply your minimum payment to the overlimit @mnount (if any), interest, and fees first before applying it to principal balances. If your account has balances with different APRs, we will apply the minimum payment first to the balance with the lowest APR before balances with higher APRs. Any payment amount in excess of the minimum payment will be allocated to the balance with the highest APR and any remaining portion to the other balances in descending order based on APR. © 2017 Navy Federal NFCU 577V (12-17) Navy Federal Credit Union Billing Rights Summary What fo Do i You Think You Find a Mistake on Your Statement Tf you think there is an error on your statement, write to us at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. Tn your letter, give us the following information: * Account information: Your name and account number * Dovfar amount: The dollar amount of the suspected error * Description of problem: If you think there is an error on your bill, describe what you believe is wrang and why you believe & is a mistake. ‘You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing or electronically. You may call us, but if you do, we are not required to investigate any potential errors, and you may have to pay the amount in question. ‘While we investigate whether or not there has been an error, the following are true: * We cannot try to collect the amount in question or report you as delinquent on that amount. * The charge in question may remain on your statement, and we may continue to charge ‘you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. * While you do not have to pay the amount in question, you are responsible for the remainder of your balance. * We can apply any unpaid amount against your crecit limit. Your Rights J You Ave Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Nether of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances fram an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. Tf all of the criteria above are met and you are still dissatisfied with the purchase, contact US in writing or electronically at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. ‘While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, f we think you owe an amount and you Go not pay, we may report you as delinquent. SP 001 EFTA00124763

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NAVY INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Purchases Annual Percentage Rate (APR) 11.90% (v) $0.00 Credit Union WEE Pap ote TRANSACTIONS GLENDAANDERSON-LAYNE = xxxx xxxx xxxx SD Trans Date PostDate Reference No. Description Amount 05/10/19 OS/13/19 —- 24692169130100491934847 ~NETFLIX.COM NETFLIX.COM CA $12.99 05/11/19 OS/13/19 —- 246892169131100014831287 QVC*S76648875501°6OF6 800-367-9444 PA $13.06 05/12/19 05/1319 ©: 24906419132072957446799 HSN*HSN1576110912 30F3 800-9332887 FL $23.33 05/12/19 05/13/19 —-24906419132072859092039 HSN*HSN1556820492 GOF6 800-9332887 FL $6.90 05/14/19 O5/15/19 — 24906419134073053314178 HSN*HSN1576674991 3OF3 800-9332887 FL $26.65 05/17/19 05/20/19 —- 24906419137073222063224 HSN*HSN1564849506 SOF6 800-9332887 FL $6.83 05/17/19 05/20/19 — 24906419137073222303364 HSN*HSN1564848547 SOF6 800-9332887 FL $6.83 05/17/19 05/20/19 — 24906419137073225281680 HSN*HSN1564849507 SOF6 800-9332887 FL $6.83 08/17/19 05/20/19 — 24906419137073225327008 HSN*HSN1564848527 SOF6 800-9332887 FL $6.83 05/17/19 05/20/19 — 24765019138206325740679 RADIANT LIFE COMPANY 888-593-9595 CA $125.28 05/18/19 OS/20/19 — 24906419138073285743802 HSN*HSN1564848547 GOF6 800-9332887 FL $6.83 05/18/19 05/20/19 — 24906419138073284919734 HSN*HSN1564849507 GOF6 800-9332887 FL $6.83 05/18/19 05/20/19 — 24906419138073284997276 HSN*HSN1556820495 GOF6 800-9332887 FL $6.90 05/18/19 05/20/19 — 24906419138073285899323 HSN*HSN1564849506 GOF6 800-9332887 FL $6.83 05/18/19 05/20/19 — 24906419138073287082456 HSN*HSN1564848527 GOF6 800-9332887 FL $6.83 05/20/19 OS/21/19 — 24492159140637240429182 SP * YUMMY BAZAAR INC YUMMYBAZAAR.MNJ $113.31 05/20/19 05/21/19 24431069140083707357316 AMZN MKTP US*MN49G1V32 AMAMZN.COMIBILLWA $19.95 05/21/19 05/22/19 —- 24692169141100832867883 OQVC"577053471201°6OF6 800-367-9444 PA $7.62 05/21/19 05/22/19 24431069141083305556748 ~AMAZON.COM*MN9R64HN2 AMZNAMZN.COM/BILLWA $23.09 05/22/19 05/22/19 - 2443106914208304851M24 TARGET.COM * 800-591-3869 MN $35.79 05/22/19 05/2319 —« 246892169142100408307751 AMZN Mktp US*MN2WH3BI2 Amazn.com/billWA $32.06 05/21/19 05/2319 24676459142500519975055 VITAL CHOICE SEAFOOD 306-603-9549 WA $152.15 05/25/19 08/27/19 —-246921691451002120566899 OVC"S577282450203°60F6 800-367-9444 PA $8.88 05/25/19 05/27/19 —-24692169145100212056907 QVC*577282450202*6OF6 800-367-9444 PA $8.88 05/25/19 05/27/19 —-24692169145100212058915 QVC*577282450201*6OF6 800-367-9444 PA $130.64 05/28/19 05/30/19 — 24676459149500485765780 VITAL CHOICE SEAFOOD 306-603-9549 WA $111.60 06/02/19 06/03/19 -24492159153637681035870 COLES WILLBURBANK.SRI $52.35 06/02/19 06/03/19 24492159153637881335767 COLES WILLBURBANK.SRI $44.92 06/02/19 06/03/19 -24445009154600042250113 HAUTLK RACK8885478438 888-547-8438 CA $124.73 06/02/19 O6/04/19 —-24445009154500313959849 SIERRA WEB-INTERNET 800-713-4534 WY $99.95 06/04/19 06/04/19 —- 24431069155083033428643 TARGET.COM * 800-591-3869 MN $16.66 06/04/19 06/04/19 —-24431069155083034520372 TARGET.COM * 800-591-3869 MN $19.65 06/02/19 06/05/19 — 24698239155900019905600 THE REPUBLIC OF TEA, INC.800-2984832 CA $34.30 06/05/19 O6/06/19 — 24492159158637090382840 yICENZO LEATHER VICENZOLEATHETX $63.96 06/06/19 06/07/19 — 24906419157074316875007 Evine *136759268.VP 800-6765523 MN $23.31 06/08/19 06/10/19 — 24692169159100447376834 QVC*5B21471469multline 800-367-9444 PA $44.97 06/08/19 06/10/19 — 24692169159100460608469 NETFLIX.COM NETFLIX.COM CA $12.99 06/08/19 O6/10/19 —24906419159074418034139 HLU*Hulu 986791389120-U HULU.COM/BILLCA $5.99 06/09/19 O6/10/19 — 244310591602006865969522 SHEAR ENTERPRISES, LLC 727-898-8400 FL $151.36 06/10/19 O6/11/19 24055259161083306558718 WALMART.COM 8009666546 800-966-6546 AR $57.94 TOTAL New Activity for GLENDA ANDERSON-LAYNE $1,666.80 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $0.00 Total Interest charged in 2019 $97.12 Navy Federal Credit Union SP 001 EFTA00124764

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Visa Signature Cesk ' Rewards HB Pop sols 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 Advances 13.90% (v) $0.00 $0.00 Bal TrfiCony Chk" 11.90% (v) $0.00 $0.00 (v) = Variable Rate * Bal TriConv 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

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NAVY © FEDERAL a woe Credit Union Visa Signature ee, Rewards MiNiMUM PAST DUE PAYMENT NEW AMOUNT PAYMENT DUE PAYMENT DUE DATE BALANCE eee ieee ENCLOSED 41.00 0.00 08/08/2019 2,023.94 —_xxxx xxxx xxxx J PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXK GLENDA ANDERSON-LAYNE te OOW?4HS ~~ Va ACCOUNT NUMBER soorx 1000 100% Visa Signature G . Rewards ACCESS NUMBER — “se SUMMARY OF ACCOUNT ACTIVITY ] PAYMENT INFORMATION | QUESTIONS Previous Balance $1,388.24 | New Balance $2,023.94| Credit Card Services Payments -$0.00 | Minimum Payment Due $41.00) | *Ses#42.6328 Other Credits -$478.95 | Payment Due Date 08/08/2019) | send Billing Inquiries To: Purchases +$1,098.80 | Late Payment Warning: !f we do not receive your Navy Federal Credit Union Cash Advances +$0.00 | minimum payment by the date listed above, youmay| P.O. Bax 3501 Fees Charged +$0.00| | have to pay a $20.00 late fee and your APRs may be} | Merrifield VA 22119-3501 Interest Charged +$15,5| | incremsed up to the Penalty APR of 18.00%. Send Payments To: Minimum Payment Warning: If you make only the New Balance $2,023.94 i - Navy Federal minimum payment each period, you will pay more in) | po gax 3500 Past Due Amount $0.00 | | interest and it will take you longer to pay off your! | perrifieid VA 22119-3500 Over Limit Amount $0.00 | balance. For example: Credit Limit $8,000.00 | Wyoumaka no To view your account Available Credit $5,976.06 | | |sddtional charges, VOUS Day OF | ie aa | | | omine vst navyfederal.org Cash Limit $4,000.00 lang is cart shown on this | estimated For information about credit each month A Available Cash $4,000.00 youpay.. | Smementin toletct [90 1 hpi silo. poets Statement Closing Date 07/11/2019) | |e minimum ei. fst-credt-counseling-agencies- Days in Billing Cycle 30 payment Byes | Bes or eall ane S09-7106. $2,412 S67 Sye88 | (Savings = $971) 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 are not permitted on closed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date PostDate Reference No. Description Submitted By Amount 06/12/19 06/13/19: 74445009164600051387346 HAUTLK RACKS885478438 200 200000 $218.56 888-5478438 CA 06/21/19 06/24/19 —_74676459173000948757544 VITAL CHOICE SEAFOOD sono 200cx 1000 ED $17.85 BELLINGHAM WA 07/01/19 = O7/02/19 —-740552291683400221000016 ARMYNAVYOUTDOORS.COM sono 00x 1000 ED $123.01 JACKSONVILLE FL 07/09/19 O7/10/19 74431059191 200567694257 SHEAR ENTERPRISES, LLC ST x10 .00x xxxx $119.53 PETERSBURGFL TOTAL PAYMENTS AND CREDITS $478.95 Navy Federal Credit Union SP 001 EFTA00124766

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7 | CREDIT CARD CHANGE OF ADDRESS NFCU ACCOUNT NO. RANK/RATE NAME (FIRST MI NEW ADDRESS ay SIAIE APPLICANT OR CO-APPLICANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLETO: n VISA ONLY oO ALL APPLICANT'S NFCU ACCOUNTS: oO JOINT COWNER(S)4F NECL SAVINGS IS A JOINT ACCOUNT [wasccour No. WORK TELEPHONE LAST SUFFIX) 4iP DOUE MB Page 204 Information About Your Visa® Account Important Telephone Numbers For Navy Federal Credit Card Services For Credit Card Services and Last Cards, call toll-free . . .. - 1-888-842-6328 Collect internationally . . «1-703-255-8837 For toll free numbers when overseas. . -havyfederal.org/overseas/ Emergency Assistance... ....... . -1-B00-VISA-911 Emergency Assistance (from overseas, call collect) . . . 1-410-581-9994 Variable Rate Information: Your Standard APR will vary based on the U.S. Prime Rate. This means your APR could increase if the U.S. Prime Rate increases or decrease if the U.S. Prime Rate decreases. An increase or decrease in your APR will affect the total @mnount of interest you pay. Your APR is adjusted monthly on the first business day of the month; it is determined by adding a Margin to the U.S. Prime Rate published in the Wail Street Journa/on the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation of your credit history. Payments: Payrnents may be made by mail, electronic transfer, or at a branch in person. All payments must be made in U.S. dollars. Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Merrifield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the same day. In some cases, available credit may be delayed until the payment is verified. Mailed payments to your credit card account may not be commingled with funds designated for credit to other Navy Federal accounts. We will accept late or partial payments without forfeiting any of Navy Federal's rights under this Agreement. Payments that are marked “paid in full" and that are of an amount less than the balance on the credit card account, or that are marked with any other restrictive Endorsements, should be sent to P.O. Box 3501, Merrifield, VA 22119, Attn. Credit Card ion. Transactions Made in Currency: All Visa purchases and cash advances will be billed to you in U.S. dollars. The rate of exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa Rself receives or the government-mandated rate in effect for the applicable central processing date. Paying Interest: Your due date is at least 25 days after the clase of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers, and convenience checks on the transaction date. ATM Cash Advance Fees: None if performed at a Navy Federal branch or ATM. Otherwise $0.50 per domestic transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be charged an ATM fee by the owner of the ATM. How We Determine The Amount Of Interest Charges: Navy Federal calculates interest charges on your account by applying the periodic rate to the average daily balance of your account, induding current transactions. To get the average daily balance, we take the beginning balance of your account each day, add new purchases and cash advances, and subtract any payments, credits, and unpaid interest charges to give us the daily balance. Then, we add up all of the daily batances for the billing cyde and divide the total by the number of days in the billing cycle. This gives us the average daily balance. You can find your “average daily balance” for each billing cycle in the “Balance Subject to Interest Rate" column of your statement. Payment Allocation: In general, we will apply your minimum payment to the overlimit @mnount (if any), interest, and fees first before applying it to principal balances. If your account has balances with different APRs, we will apply the minimum payment first to the balance with the lowest APR before balances with higher APRs. Any payment amount in excess of the minimum payment will be allocated to the balance with the highest APR and any remaining portion to the other balances in descending order based on APR. © 2017 Navy Federal NFCU 577V (12-17) Navy Federal Credit Union Billing Rights Summary What fo Do i You Think You Find a Mistake on Your Statement Tf you think there is an error on your statement, write to us at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. Tn your letter, give us the following information: * Account information: Your name and account number * Dovfar amount: The dollar amount of the suspected error * Description of problem: If you think there is an error on your bill, describe what you believe is wrang and why you believe & is a mistake. ‘You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing or electronically. You may call us, but if you do, we are not required to investigate any potential errors, and you may have to pay the amount in question. ‘While we investigate whether or not there has been an error, the following are true: * We cannot try to collect the amount in question or report you as delinquent on that amount. * The charge in question may remain on your statement, and we may continue to charge ‘you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. * While you do not have to pay the amount in question, you are responsible for the remainder of your balance. * We can apply any unpaid amount against your crecit limit. Your Rights J You Ave Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Nether of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances fram an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. Tf all of the criteria above are met and you are still dissatisfied with the purchase, contact US in writing or electronically at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. ‘While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, f we think you owe an amount and you Go not pay, we may report you as delinquent. SP 001 EFTA00124767

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NAVY © FEDERAL Credit Union GEE Pape sura TRANSACTIONS GLENDA ANDERSON-LAYNE = xxxx xxxx xxxx Trans Date PostDate Reference No. Description Amount 06/10/19 06/12/19 —- 24789309162695603266118 STONEWALL KITCHENCORP 207-3512713 ME $43.51 06/11/19 06/13/19 —- 247893091637013039251089 STONEWALL KITCHENCORP 207-3512713 ME $43.38 06/18/19 06/18/19 24204299169000610674946 KEEN INC 165-03232055 OR $130.65 06/19/19 06/20/19 24055229170200839600375 ARMYNAVYOUTDOORS.COM 904-725-5000 FL $113.23 06/21/19 06/24/19 -24492159172637615163894 SP*ANGELACAGLIA HTTPSANGELACACA $116.00 06/21/19 06/24/19 24906419172075086870160 Evyine *138612940 800-6765523 MN $81.46 07/01/19 O7/02/19 —-24492159182637324543766 SP*ANGELACAGLIA HTTPSANGELACACA $158.40 07/06/19 07/08/19 © 24906419187075892255534 Evine *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 — 24692169189100742841536 ~NETFLIX.COM NETFLIX.COM CA $12.99 07/08/19 O7/09/19 —«-24055259189083313551485 WALMART.COM 8009666546 800-966-6546 AR $65.18 07/08/19 O7/09/19 —«-24906419189075966837751 HLU*Hulu 956791389652-U HULU.COMIBILLCA $5.99 07/09/19 O7/10/19 — 24692169190100220509396 OQVC"582147146903°20F3 800-367-9444 PA $14.99 07/09/19 O7/M0/19 —-2469216919010022050¢04 QYC*582147146901*20F3 800-367-9444 PA $14.99 07/09/19 O7/M10/19 — 2469216919010022050812 QVC*5B2147146902*20F3 800-367-9444 PA $14.99 07/08/19 O7M0/19 | 240816291900170376978739 COCOCARE PRODUCTS 973-989-8880 NJ $97.95 07/09/19 O7/10/19 — 24332399191010505162239 DR. NATURA 800-8770414 WV $93.95 TOTAL New Activity for GLENDA ANDERSON-LAYNE $1,098.80 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES $15.85 TOTAL INTEREST $15.85 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 : $0.00 Total Interest charged in 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 Purchases 11.90% (v) $1,597.91 $15.85 Cash Advances 13.90% (v) $0.00 $0.00 Bal TritCony Chk” 11.90% (v) $0.00 $0.00 (v) = Variable Rate * Bal TrifConv 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

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Visa Signature Eeuk Pewerds HB Pop sols Navy Federal Credit Union SP 001 EFTA00124769

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Credit Union Visa Sgreture Czzadh Rewards MiNiMUM PAST DUE PAYMENT NEW AMOUNT [ payment DUE PAYMENT DUE DATE BALANCE eee ieee ENCLOSED | 0.00 0.00 09/08/2019 247.65 XXXX XXXx Xxxx RS PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. GLENDA ANDERSON-LAYNE te XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXK ona > Va ACCOUNTNUMBER = xxxx 1c0c xx: Visa Signature G . Rewards ACCESS NUMBER — “se SUMMARY OF ACCOUNT ACTIVITY | PAYMENT INFORMATION | QUESTIONS Previous Balance $2,023.94 | New Balance $247.65| Credit Card Services Payments -$2,952.10| | Minimum Payment Due NONE| | "S88#-#42.6328 Other Credits -$94.74 | Payment Due Date 09/08/2019) Send Billing Inquiries To: Purchases +$1,.270.55 | Late Payment Warning: !f we do not receive your Navy Federal Credit Union Cash Advances +$0.00 | minimum payment by the date listed above, youmay| P.O. Bax 3501 Fees Charged +$0.00| | have to pay a $20.00 late fee and your APRs may be} | Merrifield VA 22119-3501 increased up to the Penalty APR of 18.00%. . interest & hanged ae Minimum Payment Warning: If you make only the on ieee Te: ince . minimum payment each period, you will pay more in) | po gax 3500 Past Due Amount $0.00 | | interest and it will take you longer to pay off your! | perrifieid VA 22119-3500 Over Limit Amount $0.00 | balance. For example: Credit Limit $8,000.00 Wyoumake no To view your account Available Credit $7,752.35 | | |additional charges YoUWM pay off | And you wit-end | | | online visit navyfederal.org ing this card > | (UpBeying an Cash Limit $4,000.00 sd each month shown on this estimated For information about credit Available Cash $4,000.00 you pay. statement in total of... | Counseling services, you may . - ~ Mtipath Te yest! Statement Closing Date 08/11/2019 | | bal fist-ereci-counseling-egencles- Days in Billing Cycle 3 Shaymerd 15 months $268 Sperovad fursaand 1 uac-4 11, REWARDS SUMMARY Start Balance Earned Bonus Redeemed Adjusted Purged End Balance $94.74 $19.05 $0.00 $94.74 $0.00 $0.00 $19.05 Redemptions are not permitted on closed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date PostDate Reference No. Description Submitted By Amount 07/13/19 07/15/19 74060959196085300710007 NFO PAYMENT RECEIVED sono 00K 1000 ED $500.00 07/13/19 07/15/19 74060959196086090710009 NFO PAYMENT RECEIVED sone 00K 2000 ED $500.00 07/15/19 —O7/16/19 —-74080959197423620207328 CASH REWARDS son 200K 10x $94.74 07/2419 = O7/24/19 ——-74080959205062530720004 NFO PAYMENT RECEIVED sono 00x 1000 $1,350.37 08/06/19 Oa/DE/19 — 74080959218086040800003 NFO PAYMENT RECEIVED 2000 1000 200% $601.73 TOTAL PAYMENTS AND CREDITS $3,046.84 TRANSACTIONS GLENDA ANDERSON-LAYNE = xxxx xxxx xxxx SD Trans Date PostDate Reference No. Description Amount 07/14/19 O7/15/19 —24906419195076289932663 HSN*HSN1599210741 800-9332887 FL $17.49 07/14/19 = O7/15/19 —-24906419195076289933752 HSN*HSN1599307560 10F5 800-9332887 FL $8.65 Navy Federal Credit Union SP 001 EFTA00124770

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7 | CREDIT CARD CHANGE OF ADDRESS NFCU ACCOUNT NO. RANK/RATE NAME (FIRST MI NEW ADDRESS ay SIAIE APPLICANT OR CO-APPLICANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLETO: n VISA ONLY oO ALL APPLICANT'S NFCU ACCOUNTS: oO JOINT COWNER(S)4F NECL SAVINGS IS A JOINT ACCOUNT [wasccour No. WORK TELEPHONE LAST SUFFIX) 4iP DOUE MB Page 204 Information About Your Visa® Account Important Telephone Numbers For Navy Federal Credit Card Services For Credit Card Services and Last Cards, call toll-free . . .. - 1-888-842-6328 Collect internationally . . «1-703-255-8837 For toll free numbers when overseas. . -havyfederal.org/overseas/ Emergency Assistance... ....... . -1-B00-VISA-911 Emergency Assistance (from overseas, call collect) . . . 1-410-581-9994 Variable Rate Information: Your Standard APR will vary based on the U.S. Prime Rate. This means your APR could increase if the U.S. Prime Rate increases or decrease if the U.S. Prime Rate decreases. An increase or decrease in your APR will affect the total @mnount of interest you pay. Your APR is adjusted monthly on the first business day of the month; it is determined by adding a Margin to the U.S. Prime Rate published in the Wail Street Journa/on the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation of your credit history. Payments: Payrnents may be made by mail, electronic transfer, or at a branch in person. All payments must be made in U.S. dollars. Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Merrifield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the same day. In some cases, available credit may be delayed until the payment is verified. Mailed payments to your credit card account may not be commingled with funds designated for credit to other Navy Federal accounts. We will accept late or partial payments without forfeiting any of Navy Federal's rights under this Agreement. Payments that are marked “paid in full" and that are of an amount less than the balance on the credit card account, or that are marked with any other restrictive Endorsements, should be sent to P.O. Box 3501, Merrifield, VA 22119, Attn. Credit Card ion. Transactions Made in Currency: All Visa purchases and cash advances will be billed to you in U.S. dollars. The rate of exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa Rself receives or the government-mandated rate in effect for the applicable central processing date. Paying Interest: Your due date is at least 25 days after the clase of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers, and convenience checks on the transaction date. ATM Cash Advance Fees: None if performed at a Navy Federal branch or ATM. Otherwise $0.50 per domestic transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be charged an ATM fee by the owner of the ATM. How We Determine The Amount Of Interest Charges: Navy Federal calculates interest charges on your account by applying the periodic rate to the average daily balance of your account, induding current transactions. To get the average daily balance, we take the beginning balance of your account each day, add new purchases and cash advances, and subtract any payments, credits, and unpaid interest charges to give us the daily balance. Then, we add up all of the daily batances for the billing cyde and divide the total by the number of days in the billing cycle. This gives us the average daily balance. You can find your “average daily balance” for each billing cycle in the “Balance Subject to Interest Rate" column of your statement. Payment Allocation: In general, we will apply your minimum payment to the overlimit @mnount (if any), interest, and fees first before applying it to principal balances. If your account has balances with different APRs, we will apply the minimum payment first to the balance with the lowest APR before balances with higher APRs. Any payment amount in excess of the minimum payment will be allocated to the balance with the highest APR and any remaining portion to the other balances in descending order based on APR. © 2017 Navy Federal NFCU 577V (12-17) Navy Federal Credit Union Billing Rights Summary What fo Do i You Think You Find a Mistake on Your Statement Tf you think there is an error on your statement, write to us at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. Tn your letter, give us the following information: * Account information: Your name and account number * Dovfar amount: The dollar amount of the suspected error * Description of problem: If you think there is an error on your bill, describe what you believe is wrang and why you believe & is a mistake. ‘You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing or electronically. You may call us, but if you do, we are not required to investigate any potential errors, and you may have to pay the amount in question. ‘While we investigate whether or not there has been an error, the following are true: * We cannot try to collect the amount in question or report you as delinquent on that amount. * The charge in question may remain on your statement, and we may continue to charge ‘you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. * While you do not have to pay the amount in question, you are responsible for the remainder of your balance. * We can apply any unpaid amount against your crecit limit. Your Rights J You Ave Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Nether of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances fram an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. Tf all of the criteria above are met and you are still dissatisfied with the purchase, contact US in writing or electronically at: Navy Federal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electronically through Online Banking atnavyfederal.org. ‘While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, f we think you owe an amount and you Go not pay, we may report you as delinquent. SP 001 EFTA00124771

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NAVY Credit Union WEE Pap ote TRANSACTIONS GLENDAANDERSON-LAYNE = xxxx xxxx xxxx SD Trans Date PostDate Reference No. Description Amount 07/14/19 O7/15/19 —- 24906419195076269136927 HSN*HSN1599210750 10FS 800-9332887 FL $24.53 07/14/19 O7/15/19 — 24906419195076289763738 HSN*HSN1599210744 800-9332887 FL $17.49 07/14/19 O7/18/19 — 24906419195076258078476 HSN*HSN1599231978 10F5 800-9332887 FL $11.34 07/14/19 = O7/15/19 —-24806419185076268621127 HSN*HSN1599210745 800-9332887 FL $17.49 07/14/19 O7/15/19 | 24906419195076268799725 HSN*HSN1599307559 10F5 800-9332887 FL $12.13 07/14/19 07/15/19 —- 24906419195076270207501 HSN*HSN1599210746 800-9332887 FL $17.49 07/14/19 O7/15/19 —- 24906419195076270230986 HSN*HSN1599210743 1OFS 800-9332887 FL $12.13 07/14/19 O7/15/19 — 24906419195076269576189 HSN*HSN1599210740 800-9332887 FL $17.49 07/14/19 O7/15/19 — 24906419195076268037217 HSN*HSN1599231977 10F5 800-9332887 FL $11.34 O717/19 07/18/19 —-24906419198076424084852 HSN*HSN1599307558 10F2 800-9332887 FL $24.73 o717/19 O7ayig —-24492159198894797252159 BORGHESE INC 866-267-4437 NY $80.03 07/20/19 07/22/19 — 24492159201637271829686 BUTCHERBOX HTTPSWWW_BUTCMA $116.00 07/21/19 07/22/19 — 24492159202637317637100 CHOPSTIX-BAY RIDGE- STRIPE.COM CA $32.84 07/23/19 07/24/19 — 24906419204076718284244 HSN*HSN1599231976 10F5 800-9332887 FL $7.83 07/25/19 07/26/19 | 24137469207600121629629 HAUTLK RACK8885478438 888-547-8438 CA $133.88 07/28/19 07/29/19 —- 24892169209100040138700 MIKASA.COM 866-645-2721 NY $310.28 08/01/19 08/02/19 —- 24492159213637809345895 SP * YUMMY BAZAAR INC YUMMYBAZAAR.MNJ $54.17 08/03/19 O8/05/19 —-24055239215083323319132 WALMART.COM 8009666546 800-966-6546 AR $68.72 08/03/19 O8/05/19 —- 24906419215077317348684 HSN*HSN1599238954 10F5 800-9332887 FL $18.48 08/04/19 08/05/19 —- 24906419216077355430910 HSN*HSN1599210751 10FS 800-9332887 FL $8.37 08/05/19 08/06/19 —- 24906419217077415962152 Evine *136759268.VP 800-6765523 MN $23.30 08/03/19 08/07/19 — 24639259218900015402243 THE REPUBLIC OF TEA, INC.800-2984832 CA $90.37 08/08/19 08/09/19 — 24692169220100859889295 NETFLIX.COM NETFLIX.COM CA $12.99 08/07/19 Oay0g/1g —-24639239220900015602673 THE REPUBLIC OF TEA, INC.800-2984832 CA $115.00 08/08/19 OayOgy19 ©: 24906419220077570102425 HLU*Hulu 9§6791385014-U HULU.COM/BILLCA $5.99 TOTAL New Activity for GLENDA ANDERSON-LAYNE $1,270.55 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 5 $0.00 Total Interest charged in 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 Charga Purchases 11.90% (v) $0.00 $0.00 Cash Advances 13.90% (v) $0.00 $0.00 Bal TriiCony Chk" 11.90% (v) $0.00 $0.00 (v) = Variable Rate * Bal TriConv 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

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Visa Signature Eeuk Pewerds HB Pop sols Navy Federal Credit Union SP 001 EFTA00124773