EFTA00124822.pdf

NAVY 3 FEDERAL Credit Union r MINIMUM PAYMENT DUE 102.00 eRewards Visa PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED PLEASE MAKE CHECK PAYABLE AND MNL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 02/14/2019 2,529A2 xxxx xxxx xxxx $ PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. MIGUEL A MONGE 0252912100102004406095583209293040609558320929307 ACCOUNT NUMBER tan KW MX= ACCESS NUMBER SUMMARY OF ACCOUNT ACTWITY Previous Balance Payments Other Credits Purchases Cash Advances Fees Charged Interest Charged New Balance 52.529.12 Past Due Amount Credit Limit Available Credit Cash Limit Available Cash Statement Closing Date Da a In BIIII C cle $2.500.00 NONE $1,250.00 $0.00 01/17/2019 31 PAYMENT INFORMATION New Balance $2.529.12 Minimum Payment Due $102.00 Payment Due Date 02/1412019 Late Payment Warning:lf we do not receive your minimum payment by the date listed above. you may have to pay a $20.00 late fee and your APRs may be increased up to the Penalty APR of 18.00%. Minimum Payment Warning: If you make only the minimum payment each period. you will pay mare in interest and it will take you longer to pay off your balance. For example: It you make no You wit pay off additional charges the balance Ming ths card shown on this and each month - - statement ri you Pay... Only the minimum Payment about.. 22 Yews And you wil end up paying an estmaled total of... 17.560 et 00leeL2 0%fterds Visa Pa90 1 old QUESTIONS Credit Card Services 14041842.6328 Sand Billing Inquiries To: Navy Federal Credit Union P.O. Box 3601 mermaid VA 22119-3501 Send Payments To: Navy Federal P.O. Box 3600 PAerrilleid VA 22119-3500 To view your account online vied nevyleder•10.1). If you would Ike mlommlicn about credit counselng seneces. go to Mos./hew* rustce.govrusblisl- credil.cconseeing-ageneMs- approved-pursuare.11-us0111 a call 1-808.503.7106. IMPORTANT NOTICES *NOTICE' YOUR ACCOUNT IS PAST DUE PLEASE REMIT YOUR PAYMENT ONLINE AT NAVYFEDERALORG. OR BY PHONE TOLUFREE AT 1800336-3767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PM, AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM. EASTERN TIME. IF YOU HAVE ALREADY REMITTED YOUR PAYMENT. PLEASE DISREGARD THIS NOTICE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS. MISSED PAYMENTS. OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance Earned Bonus I Redeemed Adjusted I I I Redemptions are not permitted on closed or delinquent accounts. Expired/Purged I End Balance 2.880 Rewards Details Rewards for Jan 2019 Qualified Spend Rewards Points Restaurants 50.00 fj2 3x 0 Gas Stations $0.00 fli/ 2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $0.00 0 Navy Federal Credit Union SP 001 EFTA00124822 P • NrCU ACCOUNT NO. RANKMATE NAMC FIRST • CREDIT CARD CHANGE OF ADDRESS VISA ACCOUNT NO. LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS HOME TELEPHONE MURK feltillUNe Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Emergency Assistance 1.600-VISA.911 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad Street Journelen the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation cf your credit history. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We will accept late a partial payments without forfeiting any of Navy Federars rights under this Agreement Payments that are marked "paid in full' and that are of an amount less than the balance en the credit card account, or that are marked with any other nettle/he endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card Division. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will be tilled to you in U.S. cellars. The rate ci exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale cerrency markets fa the applicable central proceseng date, which rate may vary from the rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, and convenience dads on the transaction date. ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by the owner of the ATM. Now We Determine The Amount Of Interest Charges: Nary Federal calculates Interest charges do your account by applying the periodic rate to the average daily balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses and cash advances, and subtract any payments, eedits, and unpaid interest charges to give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle and dNide the total by the number ci days In the baling cycle. This ghats us the average daily balance. You can find your 'average daily balance' for each being cycle in the 'Balance Subject W Interest Rate' column of y0u statement. Payment Allocation: in general, we WI apply your minimum payment to the overtime anoint (if any), inteest, and fees first beat applying it to principal balances. If your account has balances with different APRs, we Wit apply the Minimal, payment first to the balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Page 2014 Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent If you think there is an error on your statenent, write t0 us at: Navy Fetal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. In your letter, give us the following information: • Account untinnabon: Your Nitre and account wits • Donor amount The dcdar emelt of the suspected error • Description of problem: If you think there is an sloe en your till, describe what you believe is wrong and why you believe t is a mistake. You must contact us within 60 days after the error appeared en your statement. You must notify us ot any potential errors in wiling or electronically. You may call us, at s' you do, we are not requked to investigate any potential errors, and you may have to Pay the amount in question. 1Vhde we investigate whether a not there has teen an error, the following are true: • We cannot try to collect the anoint in question or report you as delinquent on that Munn. • The charge in question may remain en your statement, and we may continue to charge you interest on that amount. But, line determine that we made a riVtake, you will not have to pay the amount in question a any interest or other fees related to that mount. • Where you do not have t0 pay the amount In question, you are responsible for the reminder of your balance. • We can apply any unpaid null aganst your credit WO_ Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may have the rigM not to pay the remaining amount due en the purchase. To use this right, all of the foaming must be Due: 1. Tel surcease must have been made n you home state a yethin 100 man of your anent mailing address, and the purchase price must have been more than $50. (Note Nether a these is necessary d your purchase was based on an advertisement we mailed t0 you, or d we oval the company that sad you the goods a services.) 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not guilty. 3. You must not yet have fury paid fa the purchase. If all of the acerb above are met and you are still dissatisfied with the purchase, contact us in twang or electronically at: Navy Federal Cleat Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electsenicaIN through Online Banking atnavyfederal.org. Wee we investigate, the same rules apply to the &puled amount as ciscussed above. Me we finish our investigadon, we will tell you our decision. At that point, d we think you ate an Mount and you do not pay, we may report you as delinquent. Navy Federal Credit Union SP 001 EFTA00124823 NAVY C FEDERAL Credit Union TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By Amount 12/28/18 12/28/18 el, Visa TRANSACTIONS FEES Trans Date Post Date Reference No. Description Amount 01/17/19 01/17/19 PMT PROTECTION PLAN PRIMARY LIFE/DISAU TOTAL FEES INTEREST CHARGED 56.86 $6.86 Description Amount INTEREST CHARGE-PURCHASES TOTAL INTEREST $37.34 537.34 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged in 2019 56.86 537.34 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Ptrchases 18.00% (v) 52.488.96 $37.34 Cash ArNances 18.00% (v) 50.00 S0.00 Bel TrI/CawChle (v) = Variable Rate 18.00%(v) 50.00 S0.00 • Bal TrUConv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest. Interest is assessed from the transaction date to the date the amount is paid in full. CONQUER YOUR DEBT navytederatorg/myBT Achieve financial victory with a low rate APR Balance Transfer. lust transfer your high rate balance from another lender to your Navy Federal Credit Card. Insured by NCUA. Navy Federal Credit Union SP 001 EFTA00124824 Visa Navy Federal Credit Union SP 001 EFTA00124825 NAVY 3 FEDERAL Credit Union MINIMUM PAYMENT DUE 50.00 eRewards Visa PAST DUE PAYMENT 0.00 PLEASE MAKE CHECK PAYABLE AND NAL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 PAYMENT DUE DATE NEW BALANCE 03/14/2019 2,490.83 ACCOUNT NUMBER AMOUNT ENCLOSED xxxx xxxx xxxx PLEASE worcATE CHANGE OF ADDRESS ON REVERSE. MIGUEL A MONGE 0249083700050005406095583209293040609558320929302 ACCOUNT NUMBER tan =OS= ACCESS NUMBER SUMMARY OF ACCOUNTACTIVITY Previous Balance $2.529.12 Payments -$102.00 Other Credits 40.00 Purchases +50.00 Cash Advances +50.00 Fees Charged +526.75 Interest Charged +536.96 New Balance $2.490.83 Past Due Amount $0.00 Credit Limit $2,500.00 Available Credit $9.17 Cash Limit $1,250.00 Available Cash $9.17 Statement Closing Date 02/17/2019 Days In Billing Cycle 31 PAYMENT INFORMATION New Balance $2.490.83 Minimum Payment Due $50.00 Payment Due Date 03/14/2019 Late Payment Warning:lf we do not receive your minimum payment by the date listed above. you may have to pay a $20.00 late fee and your APRs may be increased up to the Penalty APR of 18.00%. Minimum Payment Warning: If you make only the minimum payment each period. you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You Nil pay off additional charges the balance using Ms card shaven on this and each month statement ri Wu PI* about.. Only the rnnimum 22 yam% Palmer), 590 1 yeass And you will end up paying an esOrnaletl Iola of... $7.557 $3.240 (Saunas • 54.317) sr 00tibb20 0%fterds Visa Paco t old QUESTIONS Credit Card Services 1.8843-842.6328 Send Billing Inquiries To: Navy Federal Credit Union P.O. Box 3601 MeffilleN VA 22119-3501 Stead Payments To: Navy Federal P.O. Box 3600 Merrifield VA 22119-3500 To view your account Online Wird nsyyfeellIrIbl.0.2. If you would Ike stiomialicri about aedil counselng sensices. go to Illus./Memo ruStCe.g0v/uStrESI. credincconsellog-agendes- tippreved-putsuaritrThuSeA 11 ix call 1-868-503-7106. IMPORTANT NOTICES 'INFORMATION REGARDING YOUR MINIMUM PAYMENT DUE' . YOUR MINIMUM PAYMENT DUE IS 2% OF YOUR STATEMENT BALANCE OR 520 (WHICHEVER IS GREATER). PLUS ANY PAST DUE AMOUNT. YOU MUST PAY THIS AMOUNT TO KEEP YOUR ACCOUNT IN GOOD STANDING. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed Adjusted 2.880 0 0 0 0 Redemptons are not permitted on c.osed or delinquent accounts. Expired/Purged End Balance 0 2,880 Rewards Details Rewards for Feb 2019 Qualified Spend Rewards Points Restaurants $0.00 @ 3x 0 Gas Stations $0.00 @ 2x 0 Other Eligible Purchases 50.00 0 Total This Period $0.00 0 Total Reward Year to Date $0.00 0 Navy Federal Credit Union SP 001 EFTA00124826 P • NrCU ACCOUNT NO. RANKMATE NAMC FIRST • CREDIT CARD CHANGE OF ADDRESS VISA ACCOUNT NO. LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS HOME TELEPHONE MURK feltillUNe Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Emergency Assistance 1.600-VISA.911 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad Street Journelen the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation cf your credit history. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We will accept late a partial payments without forfeiting any of Navy Federars rights under this Agreement Payments that are marked "paid in full' and that are of an amount less than the balance en the credit card account, or that are marked with any other nettle/he endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card Division. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will be tilled to you in U.S. cellars. The rate ci exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale cerrency markets fa the applicable central proceseng date, which rate may vary from the rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, and convenience dads on the transaction date. ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by the owner of the ATM. Now We Determine The Amount Of Interest Charges: Nary Federal calculates Interest charges do your account by applying the periodic rate to the average daily balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses and cash advances, and subtract any payments, eedits, and unpaid interest charges to give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle and dNide the total by the number ci days In the baling cycle. This ghats us the average daily balance. You can find your 'average daily balance' for each being cycle in the 'Balance Subject W Interest Rate' column of y0u statement. Payment Allocation: in general, we WI apply your minimum payment to the overtime anoint (if any), inteest, and fees first beat applying it to principal balances. If your account has balances with different APRs, we Wit apply the Minimal, payment first to the balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Page 2014 Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent If you think there is an error on your statenent, write t0 us at: Navy Fetal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. In your letter, give us the following information: • Account untinnabon: Your Nitre and account wits • Donor amount The dcdar emelt of the suspected error • Description of problem: If you think there is an sloe en your till, describe what you believe is wrong and why you believe t is a mistake. You must contact us within 60 days after the error appeared en your statement. You must notify us ot any potential errors in wiling or electronically. You may call us, at s' you do, we are not requked to investigate any potential errors, and you may have to Pay the amount in question. 1Vhde we investigate whether a not there has teen an error, the following are true: • We cannot try to collect the anoint in question or report you as delinquent on that Munn. • The charge in question may remain en your statement, and we may continue to charge you interest on that amount. But, line determine that we made a riVtake, you will not have to pay the amount in question a any interest or other fees related to that mount. • Where you do not have t0 pay the amount In question, you are responsible for the reminder of your balance. • We can apply any unpaid null aganst your credit WO_ Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may have the rigM not to pay the remaining amount due en the purchase. To use this right, all of the foaming must be Due: 1. Tel surcease must have been made n you home state a yethin 100 man of your anent mailing address, and the purchase price must have been more than $50. (Note Nether a these is necessary d your purchase was based on an advertisement we mailed t0 you, or d we oval the company that sad you the goods a services.) 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not guilty. 3. You must not yet have fury paid fa the purchase. If all of the acerb above are met and you are still dissatisfied with the purchase, contact us in twang or electronically at: Navy Federal Cleat Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electsenicaIN through Online Banking atnavyfederal.org. Wee we investigate, the same rules apply to the &puled amount as ciscussed above. Me we finish our investigadon, we will tell you our decision. At that point, d we think you ate an Mount and you do not pay, we may report you as delinquent. Navy Federal Credit Union SP 001 EFTA00124827 Type of Balance NAVY C FEDERAL Credit Union TRANSACTIONS PAYMENTS AND CREDITS •Rewards Visa Peot3c44 Trans Date Post Date Reference No. Description SubinIneci By Amount 01/29/19 01/29/19 74060959029090620501624 PAYMENT RECEIVED war Lux xxxx 551.00 01/29/19 01/29/19 74060959029091810291622 PAYMENT RECEIVED mac xxxx xxxx 551.00 TOTAL PAYMENTS AND CREDITS $102.00 TRANSACTIONS FEES Trans Date Post Date Reference No. 01/28/19 01/28/19 02/15/19 02/15/19 INTEREST CHARGED Description LATE PAYMENT FEE PMT PROTECTION PLAN PRIMARY LIFE/DISPLI TOTAL FEES Description INTEREST CHARGE-PURCHASES TOTAL INTEREST 2019 TOTALS YEAR•TO-DATE Total Fees charged in 2019 Total Interest charged in 2019 $33.61 $74.30 Amount 520.00 56.75 $26.75 Amount 536.96 $36.96 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account Annual Percentage Rate Balance Subject to (APR) Interest Rate Puthases 18.00% (v) $2463.61 Cash Ad/aces 18.00% (v) $0.00 Bal TrICcnyChle 18.00%(v) $0.00 (v) = Variable Rate • Bat Trf/Ccetv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest. Interest is assessed from the transaction date to the date the amount is paid in full. Interest Charge $36.96 $0.00 $0.00 CONQUER YOUR DEBT Achieve financial victory with a low rate APR Balance Transfer. Just transfer your high rate balance from another lender to your Navy Federal Credit Card. - .•' '- nay yfederal org/myBT Insured by NCUA. Navy Federal Credit Union SP 001 EFTA00124828 Visa Navy Federal Credit Union SP 001 EFTA00124829 NAVY 3 FEDERAL Credit Union MINIMUM PAYMENT DUE 101.00 eRewards Visa PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED 50.00 04/14/2019 2,534.51 xxxx xxxx xxxx PLEASE MARE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. MIGUEL A MONGE 0253451900101006406095583209293040609558320929301 ACCOUNT NUMBER mu fcca mum ACCESS NUMBER SUMMARY OF ACCOUNT ACTIVITY Previous Balance 32.490.83 Payments -$0.00 Other Credits -$0.00 Purchases +$0.00 Cash Advances +30.00 Fees Charged +38.87 Interest Charged +338.81 New Balance $2.534.51 Past Due Amount $50.00 Credit Limit 32,500.00 Available Credit NONE Cash Limit $1,250.00 Available Cash $0.00 Statement Closing Date 03/17/2019 Days In Billing Cycle 28 PAYMENT INFORMATION New Balance $2.534.51 Minimum Payment Due $101.00 Payment Due Date 04/14/2019 Late Payment Warning:lf we do not receive your min.mum payment by the date listed above. you may have to pay a $20.00 late fee and your APRs may be increased up to the Penalty APR of 18.00%. Minimum Payment Warning: If you make only the minimum payment each period. you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You wit pay off additional charges the balance using ths card shown on Hos SIE each month - - statement ri Y00 Pay... Only the mmmum payment about.. 22 Team And you wil end up paying an estrnaled $7.580 00.163LD 0%fterds Visa Page l as QUESTIONS Credit Card Services 1.888.842.8328 Sand Billing Inquiries To: Navy Federal Credit Union P.O. Box 3601 Merrifield VA 22119-3501 Send Payments To: Navy Federal P.O. Box 3600 Merrifield VA 22119.3500 To view your account online vied navy/Serino:erg. If you would Ike mlommticci about credit counselng seivioes. go to htips.fhvivwrustce.govrusblisl• credil.cconseling-agendes. freprovedpursuererl I rum:AM or tall 1-868-503-7106. IMPORTANT NOTICES INFORMATION REGARDING YOUR MINIMUM PAYMENT DUE' • YOUR MINIMUM PAYMENT DUE IS 2%0F YOUR STATEMENT BALANCE OR $20 (WHICHEVER IS GREATER). PLUS ANY PAST DUE AMOUNT. YOU MUST PAY THIS AMOUNT TO KEEP YOUR ACCOUNT IN GOOD STANDING. 'NOTICE' YOUR ACCOUNT IS PAST DUE. PLEASE REMIT YOUR PAYMENT ONLINE AT NAVYFEDERALORG. OR BY PHONE TOLL-FREE AT 1.800.338-3787. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PIA, AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM. EASTERN TIME. V YOU HAVE ALREADY REMITTED YOUR PAYMENT. PLEASE DISREGARD THIS NOTICE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS. MISSED PAYMENTS. OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance Earned Bonus 2.880 0 0 Redeemed Adjusted Expired/Purged End Balance 0 0 0 2,880 Redemptions are not permitted on dosed or delinquent accounts. Navy Federal Credit Union SP 001 EFTA00124830 P • NrCU ACCOUNT NO. RANKMATE NAMC FIRST • CREDIT CARD CHANGE OF ADDRESS VISA ACCOUNT NO. LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS HOME TELEPHONE MURK feltillUNe Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Emergency Assistance 1.600-VISA.911 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad Street Journelen the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation cf your credit history. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We will accept late a partial payments without forfeiting any of Navy Federars rights under this Agreement Payments that are marked "paid in full' and that are of an amount less than the balance en the credit card account, or that are marked with any other nettle/he endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card Division. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will be tilled to you in U.S. cellars. The rate ci exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale cerrency markets fa the applicable central proceseng date, which rate may vary from the rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, and convenience dads on the transaction date. ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by the owner of the ATM. Now We Determine The Amount Of Interest Charges: Nary Federal calculates Interest charges do your account by applying the periodic rate to the average daily balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses and cash advances, and subtract any payments, eedits, and unpaid interest charges to give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle and dNide the total by the number ci days In the baling cycle. This ghats us the average daily balance. You can find your 'average daily balance' for each being cycle in the 'Balance Subject W Interest Rate' column of y0u statement. Payment Allocation: in general, we WI apply your minimum payment to the overtime anoint (if any), inteest, and fees first beat applying it to principal balances. If your account has balances with different APRs, we Wit apply the Minimal, payment first to the balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Page 2014 Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent If you think there is an error on your statenent, write t0 us at: Navy Fetal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. In your letter, give us the following information: • Account untinnabon: Your Nitre and account wits • Donor amount The dcdar emelt of the suspected error • Description of problem: If you think there is an sloe en your till, describe what you believe is wrong and why you believe t is a mistake. You must contact us within 60 days after the error appeared en your statement. You must notify us ot any potential errors in wiling or electronically. You may call us, at s' you do, we are not requked to investigate any potential errors, and you may have to Pay the amount in question. 1Vhde we investigate whether a not there has teen an error, the following are true: • We cannot try to collect the anoint in question or report you as delinquent on that Munn. • The charge in question may remain en your statement, and we may continue to charge you interest on that amount. But, line determine that we made a riVtake, you will not have to pay the amount in question a any interest or other fees related to that mount. • Where you do not have t0 pay the amount In question, you are responsible for the reminder of your balance. • We can apply any unpaid null aganst your credit WO_ Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may have the rigM not to pay the remaining amount due en the purchase. To use this right, all of the foaming must be Due: 1. Tel surcease must have been made n you home state a yethin 100 man of your anent mailing address, and the purchase price must have been more than $50. (Note Nether a these is necessary d your purchase was based on an advertisement we mailed t0 you, or d we oval the company that sad you the goods a services.) 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not guilty. 3. You must not yet have fury paid fa the purchase. If all of the acerb above are met and you are still dissatisfied with the purchase, contact us in twang or electronically at: Navy Federal Cleat Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electsenicaIN through Online Banking atnavyfederal.org. Wee we investigate, the same rules apply to the &puled amount as ciscussed above. Me we finish our investigadon, we will tell you our decision. At that point, d we think you ate an Mount and you do not pay, we may report you as delinquent. Navy Federal Credit Union SP 001 EFTA00124831 NAVY e' FEDERAL Credit Union Rewards Details Rewards for Mar 2019 Restaurants Qualified Spend S0.00 02 3x Gas Stations WOO @ 2x 9 Rewards Visa =I Paso 3 of.. Rewards Points 0 0 Other Eligible Purchases $0.00 0 Total This Period Total Reward Year to Date $0.00 0 $0.00 TRANSACTIONS a FEES Thula Date Post Date Reference No. Description 03/15/19 03/15/19 INTEREST CHARGED PMT PROTECTION PLAN PRIMARY LIFE/DISAU TOTAL FEES Description INTEREST CHARGE-PURCHASES TOTAL INTEREST 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged el 2019 $40 48 $111.11 Amount 58.87 $6.67 Amount $38.81 $36.61 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Purchases 18.00%(v) $2.453S7 536.81 Cash Advances 18.00% (v) $0.00 $0.00 Bal TrliCcnv Chic' (v) = Variable Rate 18.00% (v) $0.00 $0.00 • Bal Trf/Conv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest Interest is assessed from the transaction date to the date the amount is paid in full. Planning a summer vacation? Use your Navy Federal Credit Card to book with Member Deals and get extra perks: • Earn up to ISX bonus points or 15% Cash back • Take advantage of exclusive special offers • Search many popular travel sites Visit navyfederal.org/shop for more information. Federally insured by NCUA. Navy Federal Credit Union SP 001 EFTA00124832 Visa Navy Federal Credit Union SP 001 EFTA00124833 NAVY 3 FEDERAL Credit Union MINIMUM PAYMENT DUE 102.00 eRewards Visa PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED 51.00 05/14/2019 2,543.55 xxxx xxxx xxxx PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. MIGUEL A MONGE XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX ACCOUNT NUMBER sax cox mum ACCESS NUMBER SUMMARY OF ACCOUNT ACTWITY Previous Balance $2.534.51 Payments $50.00 Other Credits -$0.00 Purchases +515.13 Cash Advances +50.00 Fees Charged +56.89 Interest Charged +$37.02 New Balance $2,543.55 Past Due Amount $51.00 Credit Limit 52,500.00 Available Credit NONE Cash Limit $1,250.00 Available Cash $0.00 Statement Closing Date 04/17/2019 Days In Billing Cycle 31 cc 001v251) PAYMENT INFORMATION New Balance $2,543.55 Minimum Payment Due $102.00 Payment Due Date 05/14/2019 Late Payment Warning:lf we do not receive your min.mum payment by the date listed above, you may have to pay a $20.00 late fee and your APRs may be increased up to the Penalty APR of 18.00%. Minimum Payment Warning: If you make only the minimum payment each period. you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You wit pay off additional charges the balance using ths card shown on this tral th - - each mon statement n You Pay... Only the mrumum Payment And you wil end up paying an estrnalcd total of... about 22 yearn $7.618 OFbnerds Visa Paget as QUESTIONS Credit Card Services 13821-842.63213 Send Billing Inquiries To: Navy Federal Credit Union P.O. Box 3601 mermaid VA 22119-3501 Send Payments To: Navy Federal P.O. Box 3600 MINIUM VA 22119-3500 To view your account Online Wad navy/Serino:erg. If you would Ike Inlommtico about credit counselng services. go to hillps./hvivoijuStCe.gov/uSWISI. credil.cconseling-agencies• approved-pursuant.11.utv>111 or Call 1-808-503-7106. IMPORTANT NOTICES 'NOTICE' YOUR ACCOUNT IS PAST DUE PLEASE REMIT YOUR PAYMENT ONLINE AT NAVYFEDERALORG. OR BY PHONE TOLL-FREE AT 140043S-3767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PM, AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM. EASTERN TIME. IF YOU HAVE ALREADY REIMTTED YOUR PAYMENT. PLEASE DISREGARD THIS NOTICE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS. MISSED PAYMENTS. OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance Earned Bonus 2.880 30 Redeemed Adjusted Expired/Purged End Balance 0 0 0 0 2,910 Redemptions are not permitted on dosed or delinquent accounts. Rewards Details Rewards for Apr 2019 Qualified Spend Rewards Points Restaurants 50.00 flil 3x 0 Gas Stations $15.13 O 2x 30 Other Eligible Purchases $0.00 0 Total This Period $15.13 30 Total Reward Year to Date $15.13 30 Navy Federal Credit Union SP 001 EFTA00124834 P • NrCU ACCOUNT NO. RANKMATE NAMC FIRST • CREDIT CARD CHANGE OF ADDRESS VISA ACCOUNT NO. LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS HOME TELEPHONE MURK feltillUNe Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Emergency Assistance 1.600-VISA.911 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad Street Journelen the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation cf your credit history. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We will accept late a partial payments without forfeiting any of Navy Federars rights under this Agreement Payments that are marked "paid in full' and that are of an amount less than the balance en the credit card account, or that are marked with any other nettle/he endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card Division. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will be tilled to you in U.S. cellars. The rate ci exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale cerrency markets fa the applicable central proceseng date, which rate may vary from the rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, and convenience dads on the transaction date. ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by the owner of the ATM. Now We Determine The Amount Of Interest Charges: Nary Federal calculates Interest charges do your account by applying the periodic rate to the average daily balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses and cash advances, and subtract any payments, eedits, and unpaid interest charges to give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle and dNide the total by the number ci days In the baling cycle. This ghats us the average daily balance. You can find your 'average daily balance' for each being cycle in the 'Balance Subject W Interest Rate' column of y0u statement. Payment Allocation: in general, we WI apply your minimum payment to the overtime anoint (if any), inteest, and fees first beat applying it to principal balances. If your account has balances with different APRs, we Wit apply the Minimal, payment first to the balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Page 2014 Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent If you think there is an error on your statenent, write t0 us at: Navy Fetal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. In your letter, give us the following information: • Account untinnabon: Your Nitre and account wits • Donor amount The dcdar emelt of the suspected error • Description of problem: If you think there is an sloe en your till, describe what you believe is wrong and why you believe t is a mistake. You must contact us within 60 days after the error appeared en your statement. You must notify us ot any potential errors in wiling or electronically. You may call us, at s' you do, we are not requked to investigate any potential errors, and you may have to Pay the amount in question. 1Vhde we investigate whether a not there has teen an error, the following are true: • We cannot try to collect the anoint in question or report you as delinquent on that Munn. • The charge in question may remain en your statement, and we may continue to charge you interest on that amount. But, line determine that we made a riVtake, you will not have to pay the amount in question a any interest or other fees related to that mount. • Where you do not have t0 pay the amount In question, you are responsible for the reminder of your balance. • We can apply any unpaid null aganst your credit WO_ Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may have the rigM not to pay the remaining amount due en the purchase. To use this right, all of the foaming must be Due: 1. Tel surcease must have been made n you home state a yethin 100 man of your anent mailing address, and the purchase price must have been more than $50. (Note Nether a these is necessary d your purchase was based on an advertisement we mailed t0 you, or d we oval the company that sad you the goods a services.) 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not guilty. 3. You must not yet have fury paid fa the purchase. If all of the acerb above are met and you are still dissatisfied with the purchase, contact us in twang or electronically at: Navy Federal Cleat Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electsenicaIN through Online Banking atnavyfederal.org. Wee we investigate, the same rules apply to the &puled amount as ciscussed above. Me we finish our investigadon, we will tell you our decision. At that point, d we think you ate an Mount and you do not pay, we may report you as delinquent. Navy Federal Credit Union SP 001 EFTA00124835 NAVY FEDERAL Credit Union TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By Amount 03123119 03/25/19 74080969084090517401825 PAYMENT RECEIVED xxtor xxxx xxxx = $50.00 TOTAL PAYMENTS AND CREDITS $50.00 ©Penerds Visa P1913 TRANSACTIONS MIGUEL A MONGE nn ram xxxx I= Trans Date Post Date Reference No. Description Amount 04/03119 04iO4/19 24122549094744003008876 BP65453345VERRAZANO SERV BROOKLYN NY S15.13 TOTAL New Activity for MIGUEL A MONGE $15.13 FEES Trans Date Post Date Reference No. 04117/19 04/17/19 INTEREST CHARGED Description Amount PMT PROTECTION PLAN PRIMARY LIFE/DIS/IU 56.89 TOTAL FEES $6.89 Description Amotmt INTEREST CHARGE-PURCHASES $37.02 TOTAL INTEREST $37.02 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged in 2019 $47.37 $148.13 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Puthases 18.00%(v) 52467.57 537.02 Cash Maces 18.00% (v) $0.00 S0.00 BS Tuft-env CNC 18.00% (v) $0.00 S0.00 (v) = Variable Rate • Bal TrUCcrtv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest Interest is assessed from the transaction date to the date the amount is paid in full. Navy Federal Credit Union SP 001 EFTA00124836 Visa Navy Federal Credit Union SP 001 EFTA00124837 NAVY 3 FEDERAL Credit Union MINIMUM PAYMENT DUE 102.00 eRewards Visa PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED 51.00 06/14/2019 2,536.68 xxxx xxxx xxxx PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. MIGUEL A MONGE XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX ACCOUNT NUMBER AUX fCCOO:Kn= ACCESS NUMBER SUMMARY OF ACCOUNT ACTWITY Previous Balance $2.543.55 Payments 451.00 Other Credits -$0.00 Purchases +50.00 Cash Advances +$0.00 Fees Charged +$8.88 Interest Charged +$37.25 New Balance $2,536.68 Past Due Amount $51.00 Over Limit Amount $36.68 Credit Limit 52,500.00 Available Credit NONE Cash Limit 51,250.00 Available Cash $0.00 Statement Closing Date 05/17/2019 Days In Billing Cycle 30 as OftibbEL PAYMENT INFORMATION New Balance $2,536.68 Minimum Payment Due $102.00 Payment Due Date 06/14/2019 Late Payment Warning:lf we do not receive your min.mum payment by the date listed above. you may have to pay a $20.00 late fee and your APRs may be increased up to the Penalty APR of 18.00%. Minimum Payment Warning: if you make only the minimum payment each period. you will pay more in interest and it veil take you longer to pay off your balance. For example: Ifyoumake no You tell pay off additional charges the balance using Ms card shown on hit th - - ruteach mon statement ri You Pay... Only the rnmmum PaYmenl about.. And you wil end up paying an estimated Iola 22 yeses 17.581 OFbnerds Visa Papa 1 old QUESTIONS Credit Card Services 1388842.6326 Send Billing Inquiries To: Navy Federal Credit Union P.O. Box 3601 mermaid VA 22119.3501 Send Payments To: Navy Federal P.O. Box 3600 Merrifield VA 22119'3500 To view your account Online Nee nevyleder•10.9. If you would Ike milomiaticei about aedil counselng services. go to Mos./hew* rusece.govrusblislr credil.cconseling-agendes• approved-pursuard.11.us0111 a call 1-888-503-7106. IMPORTANT NOTICES 'NOTICE' YOUR ACCOUNT IS PAST DUE PLEASE REMIT YOUR PATIENT ONLINE AT NAVYFEDERALORG. OR BY PHONE TOLL-FREE AT 1400.338.3767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 6:00 AM AND 11:00 PM, AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM. EASTERN TIME. IF YOU HAVE ALREADY REMITTED YOUR PAYMENT, PLEASE DISREGARD THIS NOTICE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS. MISSED PAYMENTS. OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance i Earned 2.910 0 Redeemed Adjusted Expired/Purged End Balance 0 0 0 0 2,910 Redemptions are not permitted on dosed or delinquent accounts. Rewards Details Rewards for May 2019 Qualified Spend Rewards Points Restaurants 50.00 02 3x 0 Gas Stations 50.00 rlit 2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date 915.13 30 Navy Federal Credit Union SP 001 EFTA00124838 P • NrCU ACCOUNT NO. RANKMATE NAMC FIRST • CREDIT CARD CHANGE OF ADDRESS VISA ACCOUNT NO. LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS HOME TELEPHONE MURK feltillUNe Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Emergency Assistance 1.600-VISA.911 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad Street Journelen the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation cf your credit history. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We will accept late a partial payments without forfeiting any of Navy Federars rights under this Agreement Payments that are marked "paid in full' and that are of an amount less than the balance en the credit card account, or that are marked with any other nettle/he endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card Division. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will be tilled to you in U.S. cellars. The rate ci exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale cerrency markets fa the applicable central proceseng date, which rate may vary from the rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, and convenience dads on the transaction date. ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by the owner of the ATM. Now We Determine The Amount Of Interest Charges: Nary Federal calculates Interest charges do your account by applying the periodic rate to the average daily balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses and cash advances, and subtract any payments, eedits, and unpaid interest charges to give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle and dNide the total by the number ci days In the baling cycle. This ghats us the average daily balance. You can find your 'average daily balance' for each being cycle in the 'Balance Subject W Interest Rate' column of y0u statement. Payment Allocation: in general, we WI apply your minimum payment to the overtime anoint (if any), inteest, and fees first beat applying it to principal balances. If your account has balances with different APRs, we Wit apply the Minimal, payment first to the balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Page 2014 Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent If you think there is an error on your statenent, write t0 us at: Navy Fetal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. In your letter, give us the following information: • Account untinnabon: Your Nitre and account wits • Donor amount The dcdar emelt of the suspected error • Description of problem: If you think there is an sloe en your till, describe what you believe is wrong and why you believe t is a mistake. You must contact us within 60 days after the error appeared en your statement. You must notify us ot any potential errors in wiling or electronically. You may call us, at s' you do, we are not requked to investigate any potential errors, and you may have to Pay the amount in question. 1Vhde we investigate whether a not there has teen an error, the following are true: • We cannot try to collect the anoint in question or report you as delinquent on that Munn. • The charge in question may remain en your statement, and we may continue to charge you interest on that amount. But, line determine that we made a riVtake, you will not have to pay the amount in question a any interest or other fees related to that mount. • Where you do not have t0 pay the amount In question, you are responsible for the reminder of your balance. • We can apply any unpaid null aganst your credit WO_ Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may have the rigM not to pay the remaining amount due en the purchase. To use this right, all of the foaming must be Due: 1. Tel surcease must have been made n you home state a yethin 100 man of your anent mailing address, and the purchase price must have been more than $50. (Note Nether a these is necessary d your purchase was based on an advertisement we mailed t0 you, or d we oval the company that sad you the goods a services.) 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not guilty. 3. You must not yet have fury paid fa the purchase. If all of the acerb above are met and you are still dissatisfied with the purchase, contact us in twang or electronically at: Navy Federal Cleat Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electsenicaIN through Online Banking atnavyfederal.org. Wee we investigate, the same rules apply to the &puled amount as ciscussed above. Me we finish our investigadon, we will tell you our decision. At that point, d we think you ate an Mount and you do not pay, we may report you as delinquent. Navy Federal Credit Union SP 001 EFTA00124839 NAVY FEDERAL Credit Union TRANSACTIONS PAYMENTS AND CREDITS hen■ Date Poet Date Reference No. Description Submitted By 04123119 04423/19 74060969113090627201621 PAYMENT RECEIVED moor moor max TOTAL PAYMENTS AND CREDITS TRANSACTIONS FEES Trans Date Post Date Reference No. ©Penerds Visa nr413 err Amount 551.00 $51.00 Description Amount 05117119 05/17/19 PMT PROTECTION PLAN PRIMARY LIFE/DIS/IU TOTAL FEES INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES TOTAL INTEREST 56.88 $6.88 537.25 $37.25 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged m 2019 55425 $185.38 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Puchasee 18.00% (v) $2.482.76 S37.25 Cash AO/aloes 18.00% (v) $0.00 50.00 Bel TrI/CawChle (v) = Variable Rate 18.00%(v) $0.00 50.00 • Bal TrUCcenr Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interesL Interest is assessed from the transaction date to the date the amount is paid in full. Navy Federal Credit Union SP 001 EFTA00124840 Visa Navy Federal Credit Union SP 001 EFTA00124841 NAVY 3 FEDERAL Credit Union MINIMUM PAYMENT DUE el:79.430[1s Visa PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE 50.00 0.00 07/14/2019 2,478.27 PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 ACCOUNT AMOUNT NUMBER ENCLOSED xxxx xxxx xxxx PLEASE NOICATE CHANGE OF ADDRESS ON REVERSE. MIGUEL A MONGE XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX ACCOUNT NUMBER ACCESS NUMBER KOOOPOIX= SUMMARY OF ACCOUNT ACTWITY Previous Balance $2.536.68 Payments 4102.00 Other Credits -$0.00 Purchases +$0.00 Cash Advances +$0.00 Fees Charged +$6.72 Interest Charged +$36.87 New Balance 52.478.27 Past Due Amount $0.00 Over Limit Amount $0.00 Credit Limit $2,500.00 Available Credit $21.73 Cash Limit $1,250.00 Available Cash $21.73 Statement Closing Date 06/17/2019 Days In Billing Cycle 31 es 0011.01.4 PAYMENT INFORMATION New Balance $2,478.27 Minimum Payment Due $50.00 Payment Due Date 07114/2019 Late Payment Warning:lf we do not receive your mindnum payment by the date listed above, you may have to pay a $20.00 late fee and your APRs may be increased up to the Penalty APR of 18.00%. Minimum Payment Warning: if you make only the minimum payment each period. you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using the card and each month you Pay.. Only the rnnimum paymenl You d you will end the Arid balance up paying an shown on this esbnialed statement it Iola/ of... about.. 22 year% $7.509 $3.240 S90 3 years (Savngs • $4.269) OFbnerds Visa Pa90 1 old QUESTIONS Credit Card Services 140d-a42.6328 Send Billing Inquiries To: Navy Federal Credit Union P.O. Box 3601 PAN Meld VA 22119-3501 Read Payments To: Navy Federal P.O. Box 3600 Merrifield VA 22119-3500 To view your account Online veil navylmkor•10.17 If you would Ike intommtica about credit counseing services. go to hUps.Mvivremstioe.govfustrlisl- credil.cconsering-agencias- Opprovecl-puisuardlithE.A11 Cr call 1.868-503-7106. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed 2.910 0 0 0 Redemptions are not permitted on closed or delinquent accounts. Adjusted 0 Expired/Purged End Balance 0 2,910 Rewards Details Rewards for Jun 2019 Qualified Spend Rewards Points Restaurants $0.00 @ 3x 0 Gas Stations $0.00 @ 2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $15.13 30 Navy Federal Credit Union SP 001 EFTA00124842 P • NrCU ACCOUNT NO. RANKMATE NAMC FIRST • CREDIT CARD CHANGE OF ADDRESS VISA ACCOUNT NO. LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS HOME TELEPHONE MURK feltillUNe Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Emergency Assistance 1.600-VISA.911 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad Street Journelen the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation cf your credit history. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We will accept late a partial payments without forfeiting any of Navy Federars rights under this Agreement Payments that are marked "paid in full' and that are of an amount less than the balance en the credit card account, or that are marked with any other nettle/he endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card Division. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will be tilled to you in U.S. cellars. The rate ci exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale cerrency markets fa the applicable central proceseng date, which rate may vary from the rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, and convenience dads on the transaction date. ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by the owner of the ATM. Now We Determine The Amount Of Interest Charges: Nary Federal calculates Interest charges do your account by applying the periodic rate to the average daily balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses and cash advances, and subtract any payments, eedits, and unpaid interest charges to give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle and dNide the total by the number ci days In the baling cycle. This ghats us the average daily balance. You can find your 'average daily balance' for each being cycle in the 'Balance Subject W Interest Rate' column of y0u statement. Payment Allocation: in general, we WI apply your minimum payment to the overtime anoint (if any), inteest, and fees first beat applying it to principal balances. If your account has balances with different APRs, we Wit apply the Minimal, payment first to the balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Page 2014 Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent If you think there is an error on your statenent, write t0 us at: Navy Fetal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. In your letter, give us the following information: • Account untinnabon: Your Nitre and account wits • Donor amount The dcdar emelt of the suspected error • Description of problem: If you think there is an sloe en your till, describe what you believe is wrong and why you believe t is a mistake. You must contact us within 60 days after the error appeared en your statement. You must notify us ot any potential errors in wiling or electronically. You may call us, at s' you do, we are not requked to investigate any potential errors, and you may have to Pay the amount in question. 1Vhde we investigate whether a not there has teen an error, the following are true: • We cannot try to collect the anoint in question or report you as delinquent on that Munn. • The charge in question may remain en your statement, and we may continue to charge you interest on that amount. But, line determine that we made a riVtake, you will not have to pay the amount in question a any interest or other fees related to that mount. • Where you do not have t0 pay the amount In question, you are responsible for the reminder of your balance. • We can apply any unpaid null aganst your credit WO_ Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may have the rigM not to pay the remaining amount due en the purchase. To use this right, all of the foaming must be Due: 1. Tel surcease must have been made n you home state a yethin 100 man of your anent mailing address, and the purchase price must have been more than $50. (Note Nether a these is necessary d your purchase was based on an advertisement we mailed t0 you, or d we oval the company that sad you the goods a services.) 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not guilty. 3. You must not yet have fury paid fa the purchase. If all of the acerb above are met and you are still dissatisfied with the purchase, contact us in twang or electronically at: Navy Federal Cleat Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electsenicaIN through Online Banking atnavyfederal.org. Wee we investigate, the same rules apply to the &puled amount as ciscussed above. Me we finish our investigadon, we will tell you our decision. At that point, d we think you ate an Mount and you do not pay, we may report you as delinquent. Navy Federal Credit Union SP 001 EFTA00124843 NAVY FEDERAL Credit Union TRANSACTIONS PAYMENTS AND CREDITS Trans Data Post Date Reference No. Description Submitted By 05123/19 05/23/19 74080959143090740411622 PAYMENT RECEIVED xm mcxx max 05/31/19 05/31/19 74050%915109151748M27 PAYMENT RECEIVED mom xca max TOTAL PAYMENTS AND CREDITS TRANSACTIONS FEES Trans Date Post Date Reference No. Description 06117/19 06/17/19 PMT PROTECTION PLAN PRIMARY LIFE/DISAU TOTAL FEES Amount Visa 514.79 $87.21 $102.00 INTEREST CHARGED Amount 56.72 $6.72 Description Amount INTEREST CHARGE-PURCHASES $36.87 TOTAL INTEREST $36.67 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 560.97 Total Interest charged i12019 5222.25 INTEREST CHARGE CALCULATION (APR) Is the annual Interest rate on your account Your Annual Percentage Rate Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Puthasee 18.00% (v) 52.457.72 $36.87 Cash Achs-ices 18.00% (v) $0.00 S0.00 Baer TrliCaw Chit (v) = Variable Rate 18.00% (v) $0.00 S0.00 • Bat Trf/Ccetv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest. Interest is assessed from the transaction date to the date the amount is paid in full. Navy Federal Credit Union SP 001 EFTA00124844 Visa Navy Federal Credit Union SP 001 EFTA00124845 NAVY 3 FEDERAL Credit Union MINIMUM PAYMENT DUE 101.00 eRewards Visa PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED 50.00 08/14/2019 2,521.74 xxxx xxxx xxxx PLEASE MARE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. MIGUEL A MONGE XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX ACCOUNT NUMBER mftsOOMOIX ACCESS NUMBER SUMMARY OF ACCOUNT ACTWITY Previous Balance 32.47827 Payments 40.00 Other Credits 40.00 Purchases +$0.00 Cash Advances +30.00 Fees Charged +36.84 Interest Charged +338.63 New Balance 32.521.74 Past Due Amount $50.00 Over Limit Amount $21.74 Credit Limit $2,500.00 Available Credit NONE Cash Limit $1,250.00 Available Cash $0.00 Statement Closing Date 07/17/2019 Days In Billing Cycle 30 TT 00106S PAYMENT INFORMATION New Balance 32,521.74 Minimum Payment Due $101.00 Payment Due Date 08/14/2019 Late Payment Warning:lf we do not receive your min.mum payment by the date listed above. you may have to pay a $20.00 late fee and your APRs may be increased up to the Penalty APR of 18.00%. Minimum Payment Warning: if you make only the minimum payment each period. you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You wll pay off additional ChargeS the balance bang ths card indeach month You pay-. Only the rnmmum Payment shown on MS statement ri about.. 22 yews And you wil end up paying an estrnaled ID'S of... 57.530 OFbnerds Visa Pago 1 old QUESTIONS Credit Card Services 148.3-842.632i3 Send Billing Inquiries To: Navy Federal Credit Union P.O. Box 3601 IACTIBTIFI VA 22119.3501 Send Payments To: Navy Federal P.O. Box 3600 Marilee/4 VA 22119.3500 To vmw your account Online WWI nerylederel.041. Fe' onlomilaon about ciedil Ounseantl senoras. you may go lo hilpawavolustioo.omfusti Ilsicrodri.counsolineoponclos. eporeampursuent-1I-usc-fm. or colli-504403.7I 06. IMPORTANT NOTICES 'NOTICE' PLEASE REMIT YOUR PAYMENT ONLJNE AT NAVYFEDERAL.ORG. OR BY PHONE TOLL-TREE AT 14003464767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PM. AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM. EASTERN TIME. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS. MISSED PAYMENTS. OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance Earned 2.910 0 Bonus 0 Redeemed 0 Adjusted Expired/Purged End Balance 0 0 2,910 Redemptions are not permitted on dosed or delinquent accounts. Rewards Details Rewards for Jul 2019 Qualified Spend Rewards Pointe Restaurants WOO @ 3x 0 Gas Stations 30.00 © 2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $15.13 30 Navy Federal Credit Union SP 001 EFTA00124846 P • NrCU ACCOUNT NO. RANKMATE NAMC FIRST • CREDIT CARD CHANGE OF ADDRESS VISA ACCOUNT NO. LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS HOME TELEPHONE MURK feltillUNe Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Emergency Assistance 1.600-VISA.911 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad Street Journelen the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation cf your credit history. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We will accept late a partial payments without forfeiting any of Navy Federars rights under this Agreement Payments that are marked "paid in full' and that are of an amount less than the balance en the credit card account, or that are marked with any other nettle/he endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card Division. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will be tilled to you in U.S. cellars. The rate ci exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale cerrency markets fa the applicable central proceseng date, which rate may vary from the rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, and convenience dads on the transaction date. ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by the owner of the ATM. Now We Determine The Amount Of Interest Charges: Nary Federal calculates Interest charges do your account by applying the periodic rate to the average daily balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses and cash advances, and subtract any payments, eedits, and unpaid interest charges to give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle and dNide the total by the number ci days In the baling cycle. This ghats us the average daily balance. You can find your 'average daily balance' for each being cycle in the 'Balance Subject W Interest Rate' column of y0u statement. Payment Allocation: in general, we WI apply your minimum payment to the overtime anoint (if any), inteest, and fees first beat applying it to principal balances. If your account has balances with different APRs, we Wit apply the Minimal, payment first to the balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Page 2014 Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent If you think there is an error on your statenent, write t0 us at: Navy Fetal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. In your letter, give us the following information: • Account untinnabon: Your Nitre and account wits • Donor amount The dcdar emelt of the suspected error • Description of problem: If you think there is an sloe en your till, describe what you believe is wrong and why you believe t is a mistake. You must contact us within 60 days after the error appeared en your statement. You must notify us ot any potential errors in wiling or electronically. You may call us, at s' you do, we are not requked to investigate any potential errors, and you may have to Pay the amount in question. 1Vhde we investigate whether a not there has teen an error, the following are true: • We cannot try to collect the anoint in question or report you as delinquent on that Munn. • The charge in question may remain en your statement, and we may continue to charge you interest on that amount. But, line determine that we made a riVtake, you will not have to pay the amount in question a any interest or other fees related to that mount. • Where you do not have t0 pay the amount In question, you are responsible for the reminder of your balance. • We can apply any unpaid null aganst your credit WO_ Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may have the rigM not to pay the remaining amount due en the purchase. To use this right, all of the foaming must be Due: 1. Tel surcease must have been made n you home state a yethin 100 man of your anent mailing address, and the purchase price must have been more than $50. (Note Nether a these is necessary d your purchase was based on an advertisement we mailed t0 you, or d we oval the company that sad you the goods a services.) 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not guilty. 3. You must not yet have fury paid fa the purchase. If all of the acerb above are met and you are still dissatisfied with the purchase, contact us in twang or electronically at: Navy Federal Cleat Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electsenicaIN through Online Banking atnavyfederal.org. Wee we investigate, the same rules apply to the &puled amount as ciscussed above. Me we finish our investigadon, we will tell you our decision. At that point, d we think you ate an Mount and you do not pay, we may report you as delinquent. Navy Federal Credit Union SP 001 EFTA00124847 NAVY FEDERAL Credit Union TRANSACTIONS FEES Tnum Date Post Date Reference No. 07/17/19 07/17/19 INTEREST CHARGED el , Visa Description Amount PMT PROTECTION PLAN PRIMARY LIFE/DISAU S6.84 TOTAL FEES $6.84 Description INTEREST CHARGE-PURCHASES TOTAL INTEREST 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged m 2019 $87.81 $258.88 Amount S36.63 $36.63 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) Is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Puthasee 18.00%(v) 52441.40 536.63 Cash ArNances 18.00% (v) $0.00 $0.00 Bal Trlitaw Chic' 18.00% (v) $0.00 S0.00 (v) = Variable Rate • Bal Trf/Conv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest Interest is assessed from the transaction date to the date the amount is paid in full. Navy Federal Credit Union SP 001 EFTA00124848 Visa Navy Federal Credit Union SP 001 EFTA00124849 NAVY 3 FEDERAL Credit Union eRewards Visa MINIMUM PAST DUE PAYMENT DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED 102.00 51.00 09/14/2019 2,515.29 xxxx xxxx xxxx PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. PLEASE MARE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX ACCOUNT NUMBER tan 'Mann= ACCESS NUMBER SUMMARY OF ACCOUNT ACTIVITY Previous Balance $2,521.74 Payments -$50.00 Other Credits $0.00 Purchases +50.00 Cash Advances +$0.00 Fees Charged +$6.82 Interest Charged +$36.73 New Balance $2,515.29 Past Due Amount $51.00 Over Limit Amount $15.29 Credit Limit $2,500.00 Available Credit NONE Cash Limit $1,250.00 Available Cash $0.00 Statement Closing Date 08/17/2019 Days In Billing Cycle 31 PAYMENT INFORMATION New Balance $2,515.29 Minimum Payment Due $102.00 Payment Due Date 09/14/2019 Late Payment Warning:lf we do not receive your min.mum payment by the date listed above. you may have to pay a $20.00 late fee and your APRs may be increased up to the Penalty APR of 18.00%. Minimum Payment Warning: if you make only the minimum payment each period. you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no You wit pay off fddilional charged the balance tang the card indeach month Yod PaY Only the minimum PaYmenl shown on This statement ri about.. 22 yews And you wil end up paying an estrnaled told of... 57.503 OFbnerds Visa Pago 1 old QUESTIONS Credit Card Services 148.3-842.632i3 Send Billing Inquiries To: Navy Federal Credit Union P.O. Box 3601 MerrMeld VA 22119-3501 Send Payments To: Navy Federal P.O. Box 3600 Mender4 VA 22119-3500 To view your account online vied flevylederaloNt Fe' onlonntiaon about ciedil nunseang scans. you may go lo Nip awavolustioo.00veusb Inicrocrrnounsolineoponclos. approvompursuent.11.usc-f I I. of celli-$04-603.7106. IMPORTANT NOTICES 'NOTICE' PLEASE REMIT YOUR PAYMENT ONLJNE AT NAVYFEDERAL.ORG. OR BY PHONE TOLL4REE AT 1.8008364767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PM. AND WEEKENDS BETWEEN 9:00 AM AND 5:30 PM. EASTERN TIME. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS. MISSED PAYMENTS. OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. REWARD POINT SUMMARY Start Balance Earned 2.910 0 Bonus 0 Redeemed 0 Adjusted Expired/Purged End Balance 0 0 2,910 Redemptions ere not permitted on dosed or delinquent accounts. Rewards Details Rewards for Aug 2019 Qualified Spend Rewards Points Restaurants WOO @ 3x 0 Gas Stations $0.00 0 2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $15.13 30 Navy Federal Credit Union SP 001 EFTA00124850 P • NrCU ACCOUNT NO. RANKMATE NAMC FIRST • CREDIT CARD CHANGE OF ADDRESS VISA ACCOUNT NO. LAST SUFFIX, NEW ADDRESS Ll I Y SIAIE OP an APPUCANT OR CO-APPUCANT SIGNATURE THIS ADDRESS CHANGE IS APPLICABLE TO: NSA ONLY ALL APPLICANT'S NFCU ACCOUNTS sOiNT OwNERIS)-iF NFCti SAVINGS IS A taNT Ars:CAMS HOME TELEPHONE MURK feltillUNe Information About Your Visa E Account Important Telephone Numbers For Navy Federal:9 Credit Card Services For Credit Card Services and Lost Cards, call toll-free 1-888-842-6328 Coted intenaticoally I-703.255.8837 For toll free numbers when overseas. navyfederalorgiCiveneaS/ Emergency Assistance 1.600-VISA.911 Emergency Assistance (11001 overseas, call collect) I-410.581.9994 Variable Rate Information: Your Standard APR ad vary based on the U.S. Prime Rate. Ths means your APR could increase it the U.S. Prime Rate increases or decease t the V.S. Prime Rate decreases. An increase a decease in your APR will affect the total anoint of interest you pay. Your APR is ad)usted monthly en the first busies day ra the moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wad Street Journelen the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation cf your credit history. Payments: Payments may be made by mail, electronic transfer, et at a branch in person. NI payments must be made In U.S. &oars Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Winfield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the sane day. In some cases, available credit may be delayed eV the payment is veined. Mailed payments to your credit card account may not be ccovringfred with funds designated fa credit to other Navy Federal accounts. We will accept late a partial payments without forfeiting any of Navy Federars rights under this Agreement Payments that are marked "paid in full' and that are of an amount less than the balance en the credit card account, or that are marked with any other nettle/he endorsements, should be sent to P.O. Box 3501, Hertel], VA 22119, Attn. Credit Card Division. Transactions Made In Foreign Cummcy: All Visa purchases and cash advances will be tilled to you in U.S. cellars. The rate ci exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale cerrency markets fa the applicable central proceseng date, which rate may vary from the rate Yea itself receives or the government-maniated rate In effect for the applicable canal poymiing date. Paying Interest Your due date is at least 25 days after the dose of each tilling cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin chasing interest on cash advances, balance transfers, and convenience dads on the transaction date. ATM Cash Advance Fees: None d performed at a Navy Federal branch or ATM. Otherwise $0.50 per cremes& transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be chaeged an ATM fee by the owner of the ATM. Now We Determine The Amount Of Interest Charges: Nary Federal calculates Interest charges do your account by applying the periodic rate to the average daily balance of you account, including anent transactons. To get the average daily balance, we take the beginning balance a you account each day, add new per:hoses and cash advances, and subtract any payments, eedits, and unpaid interest charges to give us the daily balance. Then, we add up all ra the daily Menem for the billing cycle and dNide the total by the number ci days In the baling cycle. This ghats us the average daily balance. You can find your 'average daily balance' for each being cycle in the 'Balance Subject W Interest Rate' column of y0u statement. Payment Allocation: in general, we WI apply your minimum payment to the overtime anoint (if any), inteest, and fees first beat applying it to principal balances. If your account has balances with different APRs, we Wit apply the Minimal, payment first to the balance with the lowest APR before balances with higher APRs. My payment amount in access of the MillifilUnt payment wil be allocated to the balance with the highest APR and any remaining portion to the other balances in descending ceder based en PPR. C 2017 Nary hare WU 57N (12.17) Page 2014 Billing Rights Summary What to Do J You Think You Find a Mistake on Your Slefernent If you think there is an error on your statenent, write t0 us at: Navy Fetal Credit Union P.O. Box 3501 Merrifield, VA 22119 You may also coned us electronically through Onine Banking atnavylederal.org. In your letter, give us the following information: • Account untinnabon: Your Nitre and account wits • Donor amount The dcdar emelt of the suspected error • Description of problem: If you think there is an sloe en your till, describe what you believe is wrong and why you believe t is a mistake. You must contact us within 60 days after the error appeared en your statement. You must notify us ot any potential errors in wiling or electronically. You may call us, at s' you do, we are not requked to investigate any potential errors, and you may have to Pay the amount in question. 1Vhde we investigate whether a not there has teen an error, the following are true: • We cannot try to collect the anoint in question or report you as delinquent on that Munn. • The charge in question may remain en your statement, and we may continue to charge you interest on that amount. But, line determine that we made a riVtake, you will not have to pay the amount in question a any interest or other fees related to that mount. • Where you do not have t0 pay the amount In question, you are responsible for the reminder of your balance. • We can apply any unpaid null aganst your credit WO_ Your Rights at You Are Onsatisfied With Your Dredf Cord Purchases If you are dissatisfied with the goods or services that you have purchased with yes creel cad, and you have tried in good faith to correct the problem with the merchant, you may have the rigM not to pay the remaining amount due en the purchase. To use this right, all of the foaming must be Due: 1. Tel surcease must have been made n you home state a yethin 100 man of your anent mailing address, and the purchase price must have been more than $50. (Note Nether a these is necessary d your purchase was based on an advertisement we mailed t0 you, or d we oval the company that sad you the goods a services.) 2. You must have used your credit card fa the purchase. Purchases made with cash advances from an ATM or with a diedt that amazes your credit card account do not guilty. 3. You must not yet have fury paid fa the purchase. If all of the acerb above are met and you are still dissatisfied with the purchase, contact us in twang or electronically at: Navy Federal Cleat Union P.O. Box 3501 Merrifield, VA 22119 You may also contact us electsenicaIN through Online Banking atnavyfederal.org. Wee we investigate, the same rules apply to the &puled amount as ciscussed above. Me we finish our investigadon, we will tell you our decision. At that point, d we think you ate an Mount and you do not pay, we may report you as delinquent. Navy Federal Credit Union SP 001 EFTA00124851 NAVY FEDERAL Credit Union TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By 07/26119 07/26/19 74050969207091551131625 PAYMENT RECEIVED sax max max TOTAL PAYMENTS AND CREDITS TRANSACTIONS FEES Trans Date Post Date Reference No. ©Penerds Visa P1913 Amount S50.00 $50.00 Description Amount 08116119 08/16/19 PMT PROTECTION PLAN PRIMARY LIFE/DISAU TOTAL FEES INTEREST CHARGED 56.82 $6.82 Description Amount INTEREST CHARGE-PURCHASES 536.73 TOTAL INTEREST $36.73 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged m 2019 $74.63 $295.61 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Char! Puchases 18.00% (v) 52.448.24 $36.73 Cash Adeances 18.00% (v) $0.00 S0.00 Bel TrliCaw Chic' (v) = Variable Rate 18.00%(v) $0.00 S0.00 • Bal TrUCcenr Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest. Interest is assessed from the transaction date to the date the amount is paid in full. Navy Federal Credit Union SP 001 EFTA00124852 Visa Navy Federal Credit Union SP 001 EFTA00124853