NAVY © FEDERAL Lanett Credit Union @Renards Visa MiNiMUM PAST DUE PAYMENT NEW AMOUNT PAYMENT DUE PAYMENT _DUE DATE BaLance | ACCOUNTNUMBER =e cLosED 102.00 || 02/14/2019 2,529.12 xxxx xxxx xxxx M$ PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. MIGUEL A MONGE 0252912100102004406095583209293040609558320929307 ee OOL44Le @Penards Visa ACCOUNT NUMBER sexx 000 100% ase tots ACCESS NUMBER a aa SUMMARY OF ACCOUNT ACTIVITY | PAYMENT INFORMATION | QUESTIONS Previous Balance New Balance $2,529.12| Credit Card Services Payments Minimum Payment Due $102.00 1-008-042-6328 Other Credits Payment Due Date 0211412019 | 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, you may} | P.O. Bax 3501 Fees Charged have to pay a $20.00 late fee and your APRs may be| | Merrifiesd VA 22119-3501 increased up to the Penalty APR of 18.00%. } . i # Charged Minimum Payment Warning: If you make only the | Send Epyments To: New Balance $2,529.12) | inimum Navy Federal payment each period, you will pay more in| |p 6 gax 4500 Past Due Amount interest and it will take you longer to pay off your! | terrified VA 22119-3500 Credit Limit $2,500.00 | balance. For example: Avaliable Credit ata youmake 0 vou wil pay of | And you wil end Snasellbavytedeca! i ‘ou wi wi online visit nav: ral .ors Cash Limit $1,250.00 eee the balance Tea ak | y 9 Available Cash $0.00 and cach month | shown on this estimated Ifyou would ike information about Statement Closing Date 01/17/2019 you pay. statement in total of... credit counseling services, go to Days in Billing Cycle 31 about... | https: /wene justice gowustlist- Only the minimum 5, $7,560 | credit-counseling-agencies- payment years ¢ | spproved-pursuant-11-use-111 | or call 1-868-503-7106. IMPORTANT NOTICES “NOTICE* YOUR ACCOUNT IS PAST DUE. PLEASE REMIT YOUR PAYMENT ONLINE AT NAVYFEDERAL_ORG, OR BY PHONE TOLL-FREE AT 1-800-336-3767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PM, AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM, EASTERN TIME. IF YOU HAVE ALREADY REMITTED YOUR PAYMENT, PLEASE DISREGARD THIS NOTICE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance = | | L] | L] 2,880 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 $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $0.00 0 Navy Federal Credit Union SP 001 EFTA00124822

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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 EFTA00124823

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NAVY FEDERAL @ Rewards Visa Credit Union ME Povo 3s TRANSACTIONS PAYMENTS AND CREDITS Trans Date PostDate Reference No. Description Submitted By Amount 12/28/18 12/28/18 TRANSACTIONS FEES Trans Date PostDate Reference No. Description Amount 01/17/19 0117/19 PMT PROTECTION PLAN PRIMARY LIFE/DIS/IU $6.86 TOTAL FEES $6.86 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES $37.34 TOTAL INTEREST $37.34 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $6.86 Total Interest charged in 2019 $37.34 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Chargg Purchases 18.00% (v) $2,488.96 $37.44 Cash Advances 18.00% (v) $0.00 $0.00 Bal TritConv Chk" 18.00% (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 high rate ba = 0 your Navy 3 YOUR DEBT earn more: navyfederal.org/myBT = insured by N Navy Federal Credit Union SP 001 EFTA00124824

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@Penards Visa ME Pope 4 of 4 Navy Federal Credit Union SP 001 EFTA00124825

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NAVY © FEDERAL Lanett Credit Union @Pewards Visa MiNiMUM PAST DUE PAYMENT NEW AMOUNT | PAYMENT DUE PAYMENT DUE DATE BALANCE eee ieee ENCLOSED | 50.00 0.00 03/14/2019 2,490.83 ——_xxxx xxxx xxxx JS PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL MIGUEL A MONGE te COOLED P.O. BOX 3500 MERRIFIELD VA 22119-3500 024908370005000540609558320929304060955832092930e @Penards Visa ACCOUNT NUMBER xxx sc0oc xx A a ACCESS NUMBER — “se SUMMARY OF ACCOUNT ACTIVITY | PAYMENT INFORMATION QUESTIONS Previous Balance $2,529.12 |New Balance $2,490.83| Credit Card Services Payments -$102.00 | Minimum Payment Due $50.00] | betameutomed Other Credits -$0.00 | Payment Due Date 03/14/2019 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 +$26.75 | | have to pay a sans eg ano HERS may be| | Merrifies VA 22119-3501 Interest Charged +$36.96) | increased up to the Penalty AP ae Send Payments To: Minimum Payment Warning: If you make only the New Balance $2,490.83 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 | Merrifield VA 22119-3500 Credit Limit $2,500.00 | balance. For example: | Available Credit $9.17 you make no To view your account Cash Limit $1,250.00] | |eddtional charges, VOUS Bay OF | ie na | | | online vst navyfederal.org Available Cash $9.17 lang is cart shown on this | estimated Iyou would fke information about Statement Closing Date 02/17/2019 you pay... statement in total of... | credit counseling services, go to Days in Billing Cycle 31 7 about... bips:!hwww justice gov/ustlist- Only the minimum — 55 ary $7,587 credit-counseling-agencies- payment y ¢ approved-pursuant-11-use-111 $3,240 or call 1-888-503-7106. 320 3 years {Savings = $4,317) 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 2,880 0 0 0 0 0 2,880 Redemptions are not permitted on closed or delinquent accounts. Rewards Details Rewards for Feb 2019 Qualified Spend Rewards Points Restaurants $0.00 @3x 0 Gas Stations | $0.00 @2x 0 Other Eligible Purchases ] $0.00 0 Total This Period | $0.00 0 Total Reward Year to Date $0.00 0 Navy Federal Credit Union SP 001 EFTA00124826

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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 EFTA00124827

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NAVY © FEDERAL @Penards Visa Credit Union GEE Pipes TRANSACTIONS PAYMENTS AND CREDITS Trans Date PostDate Reference No. Description Submitted By Amount 01/2919 = O1/29/19 ©: 74080959029090620501624 PAYMENT RECEIVED sono 1000 100% $51.00 01/29/19 O1/2q19 —- 74080959029091610291622 PAYMENT RECEIVED sone 00x 1000 $51.00 TOTAL PAYMENTS AND CREDITS $102.00 TRANSACTIONS FEES Trans Date PostDate Reference No. Description Amount 01/28/19 01/28/19 LATE PAYMENT FEE $20.00 02/15/19 02/18/19 PMT PROTECTION PLAN PRIMARY LIFE/DIS/IU $6.75 TOTAL FEES $26.75 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES $36.96 TOTAL INTEREST $36.96 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $33.61 Total Interest charged in 2019 $74.30 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest i Purchases 18.00% (v) $2,463.61 $36.96 Cash Advances 18.00% (v) $0.00 $0.00 Bal TritCony Chk” 18.00% (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 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 Federai Credit Card Learn more. navyfederal.org/myBT — Insured by NCUA Navy Federal Credit Union SP 001 EFTA00124828

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@Penards Visa ME Pope 4 of 4 Navy Federal Credit Union SP 001 EFTA00124829

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Navy Federal Credit Union a woe Credit Union @Pewards Visa MiNiMUM PAST DUE PAYMENT NEW AMOUNT [ payment DUE PAYMENT DUE DATE BALANCE eee ieee ENCLOSED | 101.00 50.00 04/14/2019 2,534.51 _xxxx xxxx xxxx JS PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL MIGUEL A MONGE t* O04b31L0 P.O. BOX 3500 MERRIFIELD VA 22119-3500 0253451900101006406095583209293040609558320929301 @Penards Visa ACCOUNT NUMBER xxx sc0oc xx A poco * ot ACCESS NUMBER — oe SUMMARY OF ACCOUNT ACTIVITY | PAYMENT INFORMATION QUESTIONS Previous Balance $2,490.83, | New Balance $2,534.51| Credit Card Services Payments -$0.00 | Minimum Payment Due $101.00| | "8t#-#42-6328 Other Credits -$0.00 | Payment Due Date 04/14/2019 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. Bax 3501 Fees Charged +$6.97| | have to pay a $20.00 late fee and your APRs may be| | Merrifield VA 22119-3501 Int t Charged +$36.81 increased up to the Penalty APR of 18.00%. Send Payments To: h Balance $2,534.51 Minimum Payment Warning: If you make only the Navy Federal ae minimum payment each period, you will pay more in) | po gax 3500 Past Due Amount $50.00) | interest and it will take you longer to pay off your| | Merrinieid VA 22119-3500 Credit Limit $2,500.00 | balance. For example: Available Credit NONE Wyoumaka no To view your account Cash Limit $1,250.00| | |additional charges Youwil pay off | And youwit-end | | | online visit navyfederal.org ing thie card soba || “tea Available Cash $0.00 sd each month shown on this estimated Ifyou would fie information about Statement Closing Date 03/17/2019 you pay... statement in total of... | credit counseling services, go to Days in Billing Cycle 28 about... Hitps:/hwww justice gowustlist- Only the minimum 22 years $7,580 credit-counseling-agences- payment y bs Spproved-pursuanit-11-use-111 = = ae 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. *NOTICE* YOUR ACCOUNT |S PAST DUE. PLEASE REMIT YOUR PAYMENT ONLINE AT NAVYFEDERAL ORG, OR BY PHONE TOLL-FREE AT 1-800-336-3767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PM, AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM, EASTERN TIME. iF YOU HAVE ALREADY REMITTED YOUR PAYMENT, PLEASE DISREGARD THIS NOTICE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance 2,880 0 tt) 0 0 0 2,880 Redemptions are not permitted on closed or delinquent accounts. SP 001 EFTA00124830

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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 EFTA00124831

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NAVY © FEDERAL Credit Union GEE Pipes Rewards Details Rewards for Mar 2019 Qualified Spend Rewards Points Restaurants $0.00 @ 3x 0 Gas Stations $0.00 @2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $0.00 0 TRANSACTIONS FEES Trans Date PostDate Reference No. Description Amount 03/15/19 03/15/19 PMT PROTECTION PLAN PRIMARY LIFE/DIS/IU $6.87 TOTAL FEES $6.87 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES $36.81 TOTAL INTEREST $36.81 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $40.48 Total Interest charged in 2019 $110.11 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Chargq Purchases 18.00% (v) $2,453.87 $36.81 Cash Advances 18.00% (v) $0.00 $0.00 Bal TrfiCony Chk" 18.00% (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 — yjsit navyfederal.org/shop for more information Member Deals and get extra perks: Federally insured by NCUA Navy Federal Credit Union SP 001 EFTA00124832

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@Penards Visa ME Pope 4 of 4 Navy Federal Credit Union SP 001 EFTA00124833

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Credit Union @Pewards Visa MiNiMUM PAST DUE PAYMENT NEW AMOUNT [ payment DUE PAYMENT DUE DATE BALANCE eee ieee ENCLOSED | 102.00 51.00 05/14/2019 2,543.55 xxxx xxxx xxxx JS PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 MIGUEL A MONGE te XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXK oos4e250 @Penards Visa ACCOUNT NUMBER xxx sc0oc xx A poco * ot ACCESS NUMBER — “se SUMMARY OF ACCOUNT ACTIVITY | PAYMENT INFORMATION QUESTIONS Previous Balance $2,534.51, | New Balance $2,543.55| Credit Card Services Payments -$50.00 | Minimum Payment Due $102.00) | *8t#-#42-6328 Other Credits -$0.00 | Payment Due Date 05/14/2019) Send Billing Inquiries To: Purchases +$15.13, | 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 +$6.a9| | have to pay a $20.00 late fee and your APRs may be| | Merrifield VA 22119-3501 Int t Charged +$37.02 increased up to the Penalty APR of 18.00%. Send Payments To: Minimum Payment Warning: If you make only the New Balance $2,543.55 i : Navy Federal minimum payment each period, you will pay more in) | po gax 3500 Past Due Amount $51.00) | interest and it will take you longer to pay off your| | Merrifield VA 22119-3500 Credit Limit $2,500.00 | balance. For example: Available Credit NONE Wyoumaka no To view your account Cash Limit $1,250.00 | | |sddtional charges, YUAN Day OF | ie nan | | | online vst navytederal.org Available Cash $0.00 lang is cart shown on this | estimated Iyou would fke information about Statement Closing Date 04/17/2019 you pay... statement in total of... | credit counseling services, go to Days in Billing Cycle 31 - — bips:!hwww justice gov/ustlist- Only the minimum 22 years $7,618 credit-counseling-agences- payment i approved: pursuant-11-usc-111 = = ae or call 1-888-503-7106. IMPORTANT NOTICES AT 1-800-336-3767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PM, AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM, EASTERN TIME. IF YOU HAVE ALREADY REMITTED YOUR PAYMENT, PLEASE DISREGARD THIS NOTICE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. “NOTICE* YOUR ACCOUNT IS PAST DUE. PLEASE REMIT YOUR PAYMENT ONLINE AT NAVYFEDERAL_ORG, OR BY PHONE TOLL-FREE REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance 2.880 30 tt) tt) tt) 0 2,910 Redemptions are not permitted on closed or delinquent accounts. Rewards Details Rewards for Apr 2019 Qualified Spend Rewards Points Restaurants $0.00 @3x 0 Gas Stations $15.13 @2x 30 Other Eligible Purchases $0.00 0 Total This Period $15.13 30 Total Reward Year to Date $15.13 30 Navy Federal Credit Union SP 001 EFTA00124834

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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 EFTA00124835

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NAVY © FEDERAL @Penards Visa Credit Union GEE Pipes TRANSACTIONS PAYMENTS AND CREDITS Trans Date PostDate Reference No. Description Submitted By Amount 03/23/19 03/28/19 74080959084090517401625 PAYMENT RECEIVED sever 1000 3000 IE $50.00 TOTAL PAYMENTS AND CREDITS $50.00 TRANSACTIONS MIGUEL A MONGE 200 200x000 A Trans Date PostDate Reference No. Description Amount 04/03/19 04/04/19 —-24122549084744003008876 BP#S453345VERRAZANO SERV BROOKLYN NY $15.13 TOTAL New Activity for MIGUEL A MONGE $15.13 FEES Trans Date PostDate Reference No. Description Amount 04/17/19 04/17/19 PMT PROTECTION PLAN PRIMARY LIFE/DIS/IU $6.89 TOTAL FEES $6.89 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES $37.02 TOTAL INTEREST $37.02 2019 TOTALS YEAR-TO-DATE | Total Fees charged in 2019 $47.37 Total Interest charged in 2019 $148.13 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Purchases 18.00% (v) $2,467.57 $37.02 Cash Advances 18.00% (v) $0.00 $0.00 Bal TritCony Chk” 18.00% (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 EFTA00124836

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@Penards Visa ME Pope 4 of 4 Navy Federal Credit Union SP 001 EFTA00124837

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a woe Credit Union @Pewards Visa MiNiMUM PAST DUE PAYMENT NEW AMOUNT | PAYMENT DUE PAYMENT DUE DATE BALANCE eee ieee ENCLOSED 102.00 51.00 06/14/2019 2,536.68 ——_xxxx xxxx xxxx PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL MIGUEL A MONGE te OO%LbEL P.O. BOX 3500 MERRIFIELD VA 22119-3500 XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXK @Penards Visa ACCOUNT NUMBER xxx sc0oc xx A poco * ot ACCESS NUMBER — “se SUMMARY OF ACCOUNT ACTIVITY | PAYMENT INFORMATION QUESTIONS Previous Balance $2,543.55 | New Balance $2,536.68| Credit Card Services Payments -$51.00 | Minimum Payment Due $102.00) | betameutomed Other Credits -$0.00 | Payment Due Date 06/14/2019) 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. Bax 3501 Fees Charged +$6.a8) | have to pay a $20.00 late fee and your APRs may be| | Merrifield VA 22119-3501 In t Charged +$37.25 increased up to the Penalty APR of 18.00%. Send Payments To: Minimum Payment Warning: If you make only the New Balance $2,536.68 i : Navy Federal minimum payment each period, you will pay more in) | po gax 3500 Past Due Amount $51.00) | interest and it will take you longer to pay off your| | Merrifield VA 22119-3500 Over Limit Amount $36.68 | balance. For example: | Credit Limit $2,500.00 Ifyou make no To view your account Available Credit NONE | | |additional charges) Youwil pay off | And you wil'end | | | online visit navytederal.org ing thle case! the balance Up paying an | Cash Limit $1,250.00 sd each month shown on this estimated Ifyou would fie information about Available Cash $0.00 you pay... statement in total of... | credit counseling services, go to Statement Closing Date 05/17/2019 Obpine rinimurn — prairie mow Days in Billing Cycle 30 payment 22 years $7,581 spproved-pursuant-11-usc-111 = ie ae or call 1-888-503-7106. IMPORTANT NOTICES “NOTICE* YOUR ACCOUNT IS PAST DUE. PLEASE REMIT YOUR PAYMENT ONLINE AT NAVYFEDERAL.ORG, OR BY PHONE TOLL-FREE AT 1-800-336-3767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PM, AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM, EASTERN TIME. IF YOU HAVE ALREADY REMITTED YOUR PAYMENT, PLEASE DISREGARD THIS NOTICE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance 2,910 0 i) 0 0 tt) 2,910 Redemptions are not permitted on closed or delinquent accounts. Rewards Details Rewards for May 2019 Qualified Spend Rewards Points Restaurants $0.00 @3x 0 Gas Stations $0.00 @2x 0 Other Eligible Purchases $0.00 0 Total This Period | $0.00 0 Total Reward Year to Date $15.13 30 Navy Federal Credit Union SP 001 EFTA00124838

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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 EFTA00124839

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NAVY © FEDERAL @Penards Visa Credit Union GEE Pipes TRANSACTIONS PAYMENTS AND CREDITS Trans Date PostDate Reference No. Description Submitted By Amount 04/23/19 = 04/24/19: 74080959113090627201621 PAYMENT RECEIVED sono 1000 100% $51.00 TOTAL PAYMENTS AND CREDITS $51.00 TRANSACTIONS FEES Trans Date PostDate Reference No. Description Amount 05/17/19 05/17/19 PMT PROTECTION PLAN PRIMARY LIFE/DIS/IU $6.88 TOTAL FEES $6.88 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES $37.25 TOTAL INTEREST $37.25 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $54.25 Total Interest charged in 2019 $185.38 INTEREST CHARGE CALCULATION _ _ _ ee 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 18.00% (v) $2,482.76 $37.25 Cash Advances 18.00% (v) $0.00 $0.00 Bal TrflCony Chk* 18.00% (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_ ES ee Navy Federal Credit Union SP 001 EFTA00124840

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@Penards Visa ME Pope 4 of 4 Navy Federal Credit Union SP 001 EFTA00124841

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a woe Credit Union @Pewards Visa MiNiMUM PAST DUE PAYMENT NEW AMOUNT | PAYMENT DUE PAYMENT DUE DATE BALANCE eee ieee ENCLOSED | 50.00 0.00 07/14/2019 2,478.27 —__xxxx xxxx xxxx JS PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL te oon4osY P.O. BOX 3500 MERRIFIELD VA 22119-3500 XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXK @Penards Visa ACCOUNT NUMBER xxx sc0oc xx A poco * ot ACCESS NUMBER — “se SUMMARY OF ACCOUNT ACTIVITY | PAYMENT INFORMATION QUESTIONS Previous Balance $2,536.68) | New Balance $2,478.27| Credit Card Services Payments -$102.00 | Minimum Payment Due $50.00] | betameutomed Other Credits -$0.00 | Payment Due Date 07/14/2019 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. Bax 3501 Fees Charged +$6.72| | have to pay a $20.00 late fee and your APRs may be| | Merrifield VA 22119-3501 Interest Charged +$36.87| | increased up to the Penalty APR of 18.00%. Send Payments To: Minimum Payment Warning: If you make only the New Balance $2,478.27 i : Navy Federal minimum payment each period, you will pay more in) | po gax 3500 Pant Du Amonnt $0.00) | interest and it will take you longer to pay off your) |yerriteld VA 22119-3500 Over Limit Amount $0.00 | balance. For example: } Credit Limit $2,500.00 you make no To view your account Available Credit $21.73 | |sddiional charges) VT ey oe | ae eviogan | |_| onlne wait navyfederal.org Cash Limit $1,250.00 lang is cart shown on this | estimated Iyou would fke information about Available Cash $21.73 you pay... statement in total of... | credit counseling services, go to Statement Closing Date 06/17/2019 Obpine rinimurn — prairie mow Days in Billing Cycle 1 payment 22 years $7,508 soproved pursuant enon 1" $3,240 por call 15868-603-7106._ it $90 S years {Savings = | $4,269) REWARD POINT SUMMARY — — Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance 2,910 0 0 0 0 0 2,910 Redemptions are not permitted on closed or delinquent accounts. Rewards Details Rewards for Jun 2019 Qualified Spend Rewards Points Restaurants $0.00 @3x 0 Gas Stations $0.00 @2x 0 Other Eligible Purchases. $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $15.13 30 Navy Federal Credit Union SP 001 EFTA00124842

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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 EFTA00124843

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NAVY © FEDERAL @Penards Visa Credit Union GEE Pipes TRANSACTIONS PAYMENTS AND CREDITS Trans Date PostDate Reference No. Description Submitted By Amount 05/23/19 08/2319 — 74060959143090740411622 PAYMENT RECEIVED sono 1000 100% $14.79 05/31/19 05/31/19 74080959151091547481627 PAYMENT RECEIVED sone 00x 1000 $87.21 TOTAL PAYMENTS AND CREDITS $102.00 TRANSACTIONS FEES Trans Date PostDate Reference No. Description Amount 06/17/19 06/17/19 PMT PROTECTION PLAN PRIMARY LIFE/DIS/IU $6.72 TOTAL FEES $6.72 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES $36.87 TOTAL INTEREST $36.87 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $60.97 Total Interest charged in 2019 $222.25 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate Balance Subject to ‘Type of Balance (APR) Interest Rate Interest Chane Purchases 18.00% (v) $2,457.72 $36.87 Cash Advances 18.00% (v) $0.00 $0.00 Bal TritCony Chk” 18.00% (v) $0.00 $0.00 (v) = Variable Rate * Bal TrfConv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest. Interest is assessed from the transaction date to the date the amount is paid in full. Navy Federal Credit Union SP 001 EFTA00124844

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@Penards Visa ME Pope 4 of 4 Navy Federal Credit Union SP 001 EFTA00124845

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Credit Union @Pewards Visa MiNiMUM PAST DUE PAYMENT NEW AMOUNT [ payment DUE PAYMENT DUE DATE BALANCE eee ieee ENCLOSED | 101.00 50.00 08/14/2019 2,521.74 —__xxxx xxxx xxxx PLEASE MAKE CHECK PAYABLE AND MAIL TO: PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. NAVY FEDERAL MIGUEL A MONGE te oosNoas P.O. BOX 3500 MERRIFIELD VA 22119-3500 XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX @Penards Visa ACCOUNT NUMBER xxx sc0oc xx A poco * ot ACCESS NUMBER — “se SUMMARY OF ACCOUNT ACTIVITY | PAYMENT INFORMATION QUESTIONS Previous Balance $2,478.27 | New Balance $2,521.74| | Credit Card Services Payments -$0.00 | Minimum Payment Due $101.00) | "8t#-#42-6328 Other Credits -$0.00 | Payment Due Date 08/14/2019 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. Bax 3501 Fees Charged +$6.84 | | have to pay a conten iecranttyor Aes may be| | Merrifies VA 22119-3501 Interest Charged +$36.63| | Increased up to the Penalty 18.0%. Send Payments To: New Balance $2,521.74 Minimum Payment Warning: If you make only the Navy Federal "Sor minimum payment each period, you will pay more in) | po gax 3500 Past Due Amount $50.00) | interest and it will take you longer to pay off your| | Merrineid VA 22119-3500 Over Limit Amount $21.74 | balance. For example: Credit Limit $2,500.00 W you make no To view your account Available Credit NONE) additional Ue pay off And you wit end Online visit navyfederal.org ing this card So | tated Cash Limit $1,250.00 sd each month shown on this estimated For information about credit Available Cash $0.00 you pay. statement in total of... | Counseling services, you may ~ tips Te yest! Statement Closing Date 07/17/2019) | | mum — fist-ereci-counseling-egencles- 1-4 1 1use-111, Days in Billing Cycle 30] | [PMpayment" Z2veere | $7590 | | | IMPORTANT NOTICES “NOTICE’ PLEASE REMIT YOUR PAYMENT ONLINE AT NAVYFEDERAL.ORG, OR BY PHONE TOLL-FREE AT 1-800-336-3767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PM, AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM, EASTERN TIME. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance 2,910 0 t) tt) t) tt) 2,910 Redemptions are not permitted on closed or delinquent accounts. Rewards Details Rewards for Jul 2019 Qualified Spend Rewards Points Restaurants $0.00 @3x 0 Gas Stations $0.00 @2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $15.13 30 Navy Federal Credit Union SP 001 EFTA00124846

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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 EFTA00124847

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NAVY © FEDERAL @Penards Visa Credit Union GEE Pipes TRANSACTIONS FEES Trans Date PostDate Reference No. Description Amount o717/19 O7/17/19 PMT PROTECTION PLAN PRIMARY LIFE/DIS/IU $6.84 TOTAL FEES $6.84 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES $36.63 TOTAL INTEREST $36.63 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $67.81 Total Interest charged in 2019 $258.88 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) interest Rate Interest Charge Purchases 18.00% (v) $2,441.40 $36.63 Cash Advances 18.00% (v) $0.00 $0.00 Bal TritCony Chk” 18.00% (v) $0.00 $0.00 (v) = Variable Rate * Bal TrfConv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest. Interest is assessed from the transaction date to the date the amount is paid in full Navy Federal Credit Union SP 001 EFTA00124848

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@Penards Visa ME Pope 4 of 4 Navy Federal Credit Union SP 001 EFTA00124849

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Credit Union @Pewards Visa MiNiMUM PAST DUE PAYMENT NEW AMOUNT [ payment DUE PAYMENT DUE DATE BALANCE eee ieee ENCLOSED | 102.00 51.00 09/14/2019 2,515.29 —_xxxx xxxx xxxx PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-350) 0 PLEASE INDOCATE CHANGE OF ADDRESS ON REVERSE. _ _ te OOWL4SE XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXK @Penards Visa ACCOUNT NUMBER xxx sc0oc xx A poco * ot ACCESS NUMBER — “se SUMMARY OF ACCOUNT ACTIVITY | PAYMENT INFORMATION QUESTIONS Previous Balance $2,521.74 | New Balance $2,515.29| Credit Card Services Payments -$50.00 | Minimum Payment Due $102.00| | *8e#-#42-6328 Other Credits -$0.00 | Payment Due Date 09/14/2019) 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. Bax 3501 Fees Charged +$6.82| | have to pay a $20.00 late fee and your APRs may be| | Merrifield VA 22119-3501 Interest Charged +$36,73| | Incremsed up to the Penalty APR of 18.00%. Send Payments To: Minimum Payment Warning: If you make only the New Balance $2,515.29 i : Navy Federal minimum payment each period, you will pay more in) | po gax 3500 Past Due Amount $51.00) | interest and it will take you longer to pay off your| | Merrinieid VA 22119-3500 Over Limit Amount $15.29 | balance. For example: Credit Limit $2,500.00 Wyoumaka no To view your account Available Credit NONE | | [additional charges) Youwit pay off | And you wit end | | | online visit navytederal.org ing this card i" . up paying an Cash Limit $1,250.00 sd each month shown on this estimated For information about credit Available Cash $0.00 you pay. statement in total of... | Counseling services, you may ~ Mtipath Te yest! Statement Closing Date 08/17/2019 | | | — fist-ereci-counseling-egencles- 1-4 1 1use-111, Days in Billing Cycle 31 A ayenert 22 years $7,503 le Sree IMPORTANT NOTICES REFLECTED IN YOUR CREDIT REPORT. THANK YOU. “NOTICE’ PLEASE REMIT YOUR PAYMENT ONLINE AT NAVYFEDERAL.ORG, OR BY PHONE TOLL-FREE AT 1-800-336-3767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PM, AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM, EASTERN TIME. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted Expired/Purged End Balance 2,910 0 t) tt) t) tt) 2,910 Redemptions are not permitted on closed or delinquent accounts. Rewards Details Rewards for Aug 2019 Qualified Spend Rewards Points Restaurants $0.00 @3x 0 Gas Stations $0.00 @2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $15.13 30 Navy Federal Credit Union SP 001 EFTA00124850

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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 EFTA00124851

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NAVY © FEDERAL @Penards Visa Credit Union GEE Pipes TRANSACTIONS PAYMENTS AND CREDITS Trans Date PostDate Reference No. Description Submitted By Amount 07/2619 7/26/19 74080959207091551131625 PAYMENT RECEIVED sever 1000 3000 IE $50.00 TOTAL PAYMENTS AND CREDITS $50.00 TRANSACTIONS FEES Trans Date PostDate Reference No. Description Amount 08/16/19 08/16/19 PMT PROTECTION PLAN PRIMARY LIFE/DIS/IU $6.82 TOTAL FEES $6.82 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES $36.73 TOTAL INTEREST $36.73 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 $74.63 Total Interest charged iin 2019 $295.61 INTEREST CHARGE CALCULATION _ _ _ ee 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 18.00% (v) $2,448.24 $36.73 Cash Advances 18.00% (v) $0.00 $0.00 Bal TrflCony Chk* 18.00% (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_ ES ee Navy Federal Credit Union SP 001 EFTA00124852

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@Penards Visa ME Pope 4 of 4 Navy Federal Credit Union SP 001 EFTA00124853