NAVY © FEDERAL Credit Union GOREWARDS® MINIMUM PAST DUE PAYMENT NEW AMOUNT PAYMENT DUE PAYMENT DUE DATE _—_—_—s&BALANCE ACCOUNT NUMBER | ENCLOSED 0.00 | | 01/28/2019 105.32 XXXX XXXx Xxxx RS PLEASE MAKE CHECK PAYABLE NAVY FEDERAL P.O. BOX 3500 AND MAIL TO: MERRIFIELD VA 22119-3500 PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. 0010532000000000406095590715749340609559071574934 te oo20417 Visa Signature* ® ACCOUNT NUMBER soon 2000 00 A GO REWARDS* , ACCESS NUMBER “= SUMMARY OF ACCOUNTACTIVITY | PAYMENT INFORMATION QUESTIONS | Previous Balance New Balance $105.32| Credit Card Services Payments Minimum Payment Due NONE| | 88842-6328 Other Credits Payment Due Date 01/28/2019) | send Billing Inquiries To: Purchases Late Payment Warning: !f we do not receive your Navy Federal Credit Union Cash Advances minimum payment by the date listed above, youmay| P.O. Box 3501 Fees 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%. . nn bei Sheroed 108-32 Minimum Payment Warning: If you make only the pend Payments To: ince _ minimum payment each period, you will pay more in| po. Bax 3500 Past Due Amount interest and it will take you longer to pay off your! | Merrifield VA 22119-3500 Credit Limit $24,500.00 | balance. For example: Available Credit $24,394.68 Wyoumake m0 | Vo warpay ott | And = eviews your nee j “ ‘ou will pay wi online visit nav: ral.or Cash Limit $12,250.00 eee maaan Te pager y 9 Available Cash $12,250.00 and cach month | shown on this estimated If you would like information about Statement Closing Date 01/03/2019 you pay... statement in total of... credit counseling services, go to Days in Billing Cycle 31 about... | https: /twarw justice. gowustlist- Only the minimum > ny $109 credit-counseling-agencies- payment yonns approved-pursuant-11-use-111 os sro ro | or call 1-888-503-7106. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance = i | i] | i] 3418 Redemptions are not permitted on closed or delinquent accounts. Rewards Details Rewards for Jan 2019 Qualified Spend Rewards Points Restaurants $0.00 @3x 0 Gas Stations $0.00 @2x 0 Other Eligible Purchases $307.74 307 Total This Period $307.74 307 Total Reward Year to Date $307.74 307 Navy Federal Credit Union SP 001 EFTA00124774

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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 ME 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 EFTA00124775

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NAVY . FEDERAL Wa Sortie ce Credit Union WEE Pope 30s TRANSACTIONS PAYMENTS AND CREDITS Trans Date PostDate Reference No. Description Submitted By Amount 12 TRANSACTIONS GLENDA ANDERSON-LAYNE —XxXxx XXX XXxX Trans Date PostDate Reference No. Description Amount 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $0.00 Total Interest charged in 2019 $0.00 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 Cash Ad eS Bal TrfiCany Chk* Variable Rate Bal Tri v Chk = Balance Transfe Interest is assessed from the transact There is no grace period to avoid interest. amount is paid in full Navy Federal Credit Union SP 001 EFTA00124776

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CONQUER YOUR DEBT Learn more. navyfederal.org/myBT Navy Federal Credit Union Visa Signature* GOREWARDS® Achieve financia APR Balan your Navy Federai Credit Card Insured by NCUA HE Pop sofa SP 001 EFTA00124777

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NAVY © FEDERAL Credit Union GOREWARDS® MiNiMUM PAST DUE PAYMENT NEW AMOUNT | PAYMENT DUE PAYMENT DUE DATE BALANCE eee ieee ENCLOSED | 0.00 0.00 02/28/2019 0.00 XXXX XXXx Xxxx RS PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL te o0207S? P.O. BOX 3500 MERRIFIELD VA 22119-3500 0000000000000000406095590715749340609559071574938 Visa Signature* tJ ACCOUNT NUMBER xxx c00C xx A Go REWARDS* ‘ ACCESS NUMBER 5737231 = SUMMARY OF ACCOUNT ACTIVITY | | PAYMENT INFORMATION | QUESTIONS Previous Balance $105.32 | New Balance $0.00) Credit Card Services Payments -$105.32 | Minimum Payment Due NONE] | *888-#42-6328 Other Credits -$0.00 | Payment Due Date 02/28/2019 Send Billing Inquiries To: Purchases +$0.00 | 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. Box 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 & harged +30 a Minimum Payment Warning: !f you make only the pend Payments To: ince . minimum payment each period, you will pay more in| po gox 3500 Pant Du Amount $0.00) | interest and it will take you longer to pay off your) | jerrifeld VA 22119-3500 Credit Limit $24,500.00 | | balance. Available Credit $24,500.00 To view your account Cash Limit $12,250.00 online visit navyfederal.org. Available Cash $12,250.00 If you would Ske information about Statement Closing Date 02/03/2019 gest counseling senioes, ¢ goto tps: /hwarw justice goviustlist- Days in Billing Cycle a credit-counseling-agencies- @pproved-pursuant-11-us0-111 or call 1-888-503-7106. 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. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance 3,418 0 tt) 0 0 tt) 3,418 Redemptions are not permitted on closed or delinquent accounts. Rewards Details Rewards for Feb 2019 Qualified Spend Rewards Points Restaurants $0.00 @3 0 Gas Stations $0.00 @2x | 0 Other Eligible Purchases $0.00 0 Total This Period | $0.00 | 0 Total Reward Year to Date | $307.74 | 307 Navy Federal Credit Union SP 001 EFTA00124778

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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 ME 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 EFTA00124779

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NAVY © FEDERAL Visa Signature* Se GOREWARDS® Credit Union GEE Pee sur TRANSACTIONS PAYMENTS AND CREDITS Trans Date PostDate Reference No. Description Submitted By Amount 01/13/19 01/14/19 —- 74060959014066590110003 NFO PAYMENT RECEIVED sono 1000 100% $105.32 TOTAL PAYMENTS AND CREDITS $105.32 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $0.00 Total Interest charged in 2019 $0.00 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 Chargq Purchases 11.24% (v) $0.00 $0.00 Cash Advances 13.24% (v) $0.00 $0.00 Bal TrfiConv Chk* 11.24% (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 UER 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 Federal Credit Card. Learn more. navyfederal.org/myBT = insured by NCUA Navy Federal Credit Union SP 001 EFTA00124780

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Visa Signature* GOREWARDS® HE Pop sofa Navy Federal Credit Union SP 001 EFTA00124781