Case File

efta-efta00124742DOJ Data Set 9Other

NAVY 3

Date

Unknown

Source

DOJ Data Set 9

Reference

EFTA 00124742

Pages

Persons

Integrity

Summary

Extracted Text (OCR)

EFTA Disclosure

Text extracted via OCR from the original document. May contain errors from the scanning process.

NAVY 3 FEDERAL Credit Union r MINIMUM PAYMENT DUE 102.00 Visa Sgnature eeroheRewards PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED PLEASE MAKE CHECK PAYABLE AND Ma& TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 02/08/2019 5,099.94 xxxx xxxx xxxx PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. 0509994000102004406095688774150440609568877415045 ACCOUNT NUMBER ACCESS NUMBER SUMMARY OF ACCOUNT Previous Balance Payments Other Credits Purchases Cash Advances Fees Charged Interest Charged New Balance Past Due Amount Credit Limit Available Credit Cash Limit Available Cash Statement Closing Date Da s In Billi C cie 55.099.94 $6.500.00 51,400.06 53,250.00 51,400.06 01/11/2019 31 as 0123706 Vea Swabia eaai Rewards PAYMENT INFORMATION New Balance $5,099.94 Minimum Payment Due $102.00 Payment Due Date 02/0812019 Late Payment Warning:If we do not receive your minanum 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 mete in interest and it veal take you longer to pay off your balance. For example: II you make no additional charges using the card and each month you Pay.. Only the rnnimum Parnell! You wit b wlatayceoll the shown on INS statement n 19 years And you will and up paying an eatmaled total of... 39.266 56.084 5169 3 years (Savings 33.182) Pages old QUESTIONS Credit Card Services 1388842.6328 Send Billing Inquiries To: Navy Federal Creek Union P.O. Box 3601 MerrIlleid VA 22119-3501 Send Payments To: Navy Federal P.O. Box 3600 Menlaind VA 22119-3500 To view your account Online yeel nsyyfilder•10.9. II you would Ike ntomiatico about cretin counselng seivioss. go to htlps./hnvoijustiee.goviustilisl• nedil.counseling-agenciss• approved-pursuardll•utu>111 on call 1-868403-7106. REWARDS SUMMARY Start Balance Earned Bonus - deemed I Adjusted - - Purged - Redemptions are not permitted on closed or delinquent accounts. End Balance $148.78 TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. 12/11/18 12/12/18 12/31/18 12/31/18 Description Submitted By Anoint TRANSACTIONS GLENDA ANDERSON-LAYNE xxxx sox xxxx Trans Date Post Date Reference No. 12/11/18 12/12/18 12/09/18 12/12/18 Description Amami Navy Federal Credit Union SP 001 EFTA00124742 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 EFTA00124743 NAVY FEDERAL Credit Union VisaSignalise ath eReWardS Par 3 014 TRANSACTIONS GLENDA ANDERSON-LAYNE xxxx xxxx xxxx Trans Date Post Date Reference No. DesalptIon Amount 12/11/18 12/12/18 12/12/18 12/13/18 12/10/18 12/13/18 12/12/18 12/13/18 12/13/18 12/14/18 12/13/18 12/14/18 12/13/18 12/14/18 12/13/18 12/14/18 12/13/18 12/14/18 12/13/18 12/14/18 12/13/18 12/14/18 12/14/18 12/17/18 12/17/18 12/18/18 12/17/18 12/18/18 12/17/18 12/18/18 12/17/18 12/19/18 12/18/18 12/19/18 12/19/18 12/20/18 12/21/18 12/24/18 GLENDA ANDERSON-LAYNE xxxx xxxx xxxx Trans Date Post Date Reference No. Description Amount 01/03/19 01/04/19 24692169003100425459972 OVC•573831726601'4OF6 800-367-9444 PA $62.38 01104/19 01/07/19 24692169004100993238047 OVC•573831880901'4OF6 800-367-9444 PA $63.48 01105/19 01/07/19 24906419005066180586771 HSICHSN1554251500 2OF3 800-9332887 FL $13.66 01105/19 01/07/19 24906419005066180336417 HSWHSN1554251501 2OF3 800-9332887 FL $13.66 01107/19 01/08/19 24692169007100680518815 OVC•576648875501'2OF6 800-367-9444 PA $13.06 01108/19 01/09/19 24692169008100307308391 NETFLIX.COM NETFLIX.COM CA $10.99 01108/19 01/09/19 24906419008066329296339 HSWHSN1562994739 800-9332887 FL $32.58 01108/19 01/09/19 24906419008068319020947 HLU'Hulu 956791389378-U HULU.COM/BILLCA S7.99 01109/19 01/10/19 24692189009100646796105 OVC*573057493601'5OF5 800-367-9444 PA S7.72 01/10/19 01/11/19 24908419010068431395553 HSN'HSN1546575513 3OF3 800-9332887 FL $66.64 TOTAL New Activity for GLENDA ANDERSON-LAYNE $292.16 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES TOTAL INTEREST 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged in 2019 S0.00 $45 17 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 Cha Pischasee 11.65%(v) $4.652.13 645.17 Cash AoVances 13.65% (v) 50.00 50.00 Navy Federal Credit Union SP 001 EFTA00124744 P Visa Signature firs/ Rewards 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 Bal TrItonvChle 11.65%(v) (v) = Variable Rate • Bat 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. Interest Charge 50.00 50.00 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. navyfederal org/myBT InSUred by NCUA. Navy Federal Credit Union SP 001 EFTA00124745 NAVY 3 FEDERAL Credit Union MINIMUM PAYMENT DUE Vtsa Sgnature eeroheRewards PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED 0.00 0.00 03/08/2019 4,083.99 PLEASE MAKE CHECK PAYABLE AND MPJL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 xxxx xxxx xxxx $ PLEASE NOICATE CHANGE OF ADDRESS ON REVERSE. GLENDA ANDERSON-LAYNE as 0046763 0408399400000000406095688774150440609568877415044 ACCOUNT NUMBER Ma 'cox pox= ACCESS NUMBER SUMMARY OF ACCOUNTACTWITY Previous Balance $5,099.94 Payments 42.213.07 Other Credits -$0.00 Purchases +51.145.17 Cash Advances +50.00 Fees Charged +50.00 Interest Charged +551.95 New Balance $4.083.99 Past Due Amount $0.00 Credit Limit 56,500.00 Available Credit $2,416.01 Cash Limit $3.250.00 Available Cash $2.418.01 Statement Closing Date 02/11/2019 Days In Billing Cycle 31 YeaSwan eaai Rewards PAYMENT INFORMATION New Balance $4,083.99 Minimum Payment Due NONE Payment Due Date 03/08/2019 Late Payment Warning:If we do not receive your mina-num 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 minrnum payment each period. you will pay more in interest and it veal take you longer to pay off your balance. For example: you nuke no You wil pay al additiOnal charges the balance Laing Ills card Shawn on this and each month statement n you Pay Only the minimum 17 years Parnell, $135 3 years And you wit as up paying an esornaled Mid $7.515 $4.860 (Saunas 52.665) Page 1 old QUESTIONS Credit Card Services 1303842.6328 Send Billing Inquiries To: Navy Federal Credit union P.O. Box 3601 MerrilleM VA 22119.3501 Seed Payments To: Navy Federal P.O. Box 3600 MerrilleM VA 22119.3500 To view your account online vol nayyfrideriderrg. II you would Ike miommlice about credit counseing ten:pos.90 to Mtgs./ham muce.godusblist- creddcounserintpagendes- appreved-puirsuarthrimar>111 a call 1.868-503-7106. IMPORTANT NOTICES INFORMATION REGARDING YOUR MINIMUM PAYMENT DUE' . YOUR MINIMUM PAYMENT DUE IS 2%OF YOUR STATEMENT BALANCE OR S20 (WHICHEVER IS GREATER). PLUS ANY PAST DUE AMOUNT. YOU MUST PAY THIS AMOUNT TO KEEP YOUR ACCOUNT IN GOOD STANDING. REWARDS SUMMARY Start Balance Earned $148.78 517.15 Bonus $0.00 Redeemed Adjusted $0.00 $0.00 Purged End Balance $0.00 $163.93 Redemptions we not permitted on dosed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Tnum Date Post Date Reference No. Description Submitted By Amount 02/01/19 02/01/19 74030$6$0320$$$$$381624 PAYMENT RECEIVED xxxx max max $102.00 02/07/19 02/08/19 74050969039062180200002 NFO PAYMENT RECEIVED xxxx xxxx max $2.111.07 TOTAL PAYMENTS AND CREDITS $2,213.07 Navy Federal Credit Union SP 001 EFTA00124746 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 EFTA00124747 NAVY C FEDERAL Credit Union Visa Signature adRewards TRANSACTIONS GLENDA ANDERSON-LAYNE xxxx xxxx xxxx Trans Date Post Date Reference No. Description Amount 01/12/19 01/14/19 24906419012066535157438 HSWHSN1547150583 30F4 800-9332887 FL $10.50 01/12/19 01/14/19 24906419012066534862766 HSWHSN1556820495 20F6 800-9332887 FL 56.90 01/12/19 01/14/19 24906419012066535029678 HSWHSN1556820493 20F3 800-9332887 FL 58.81 01/12/19 01/14/19 24906419012066534569144 HSWHSN1547150582 30F5 800-9332887 FL $16.99 01/12/19 01/14/19 24906419012066534082452 HSWHSN1556820492 20F6 800-9332887 FL S6.90 01/15119 01/16/19 24781979015083704621112 BATH & BODY WORKS.COM 800-756-5005 OH 550.07 01/17/19 01/18/19 24692169017100274196364 QVC'577053471201.20F6 800-367-9444 PA 57.62 01/17/19 01/18/19 24692169017100274196372 OVC'572366465601'60F6 800-367-9444 PA $13.24 01/17/19 01/18/19 24906419017066777118182 HSWHSN1564849507 10F6 800-9332887 FL $10.49 01/17/19 01/18/19 24906419017066776400490 HSWHSN1564848527 I0F6 800-9332887 FL $10.49 01/17/19 01/18/19 24906419017066776597915 HSWHSN1564848547 I0F6 800-9332887 FL $10.49 01/17/19 01/18/19 24906419017066779054104 HSWHSN1564849506 I0F6 800-9332887 FL $10.49 01/19/19 01/21/19 24906419019066883726878 HSWHSN1548827625 30F6 800-9332887 FL $54.99 01/19/19 01/21/19 24906419019066883729219 HSWHSN1541651365 40F5 800-9332887 FL S5.99 01/20/19 01/21/19 24692169020100914497243 OVC'57571656170110F4 800-367-9444 PA $20.54 01/20/19 01/21/19 24692169020100914497250 OVC'575715176801'30F6 800-367-9444 PA S7.62 01/20/19 01/21/19 24692169020100914497268 QVC'572363387001.60F6 800-367-9444 PA $17.22 01/20/19 01/21/19 24692169020100914497278 QVC'572363386701.60F6 800-367-9444 PA $17.22 01/21/19 01/22/19 24692169021100427620892 QVC'575782129901.30F5 800-367-9444 PA 55.27 01/21/19 01/22/19 24692169021100427820900 QVC'577282450201.20F6 800-367-9444 PA $130.64 01/21/19 01/22/19 24692169021100427620918 OVC*577282450202'20F6 800-367-9444 PA S8.88 01/21/19 01/22/19 24692169021100427620926 OVC'57 72824so2o3•20F6 800-367-9444 PA 58.88 01/21/19 01/22/19 24692169021100427620934 QVC'575782270801.30F6 800-367-9444 PA $11.23 01/22/19 01/23/19 24692169022100017769017 QVC'575715176701.30F6 800-367-9444 PA 57.62 01/23/19 01/24/19 24692169023100541493817 OVC'575782129902'30F5 800-367-9444 PA 5720 01/23/19 01/24/19 24692169023100541480625 OVC*575782129903'30F5 800-367-9444 PA 55.87 01/24/19 01/25/19 24906419024067124435957 HSWHSN1530032468 60F6 800-9332887 FL $41.65 01/28/19 01/29/19 24492159028637601252048 HALO2CLOUD LLC I-ITTPSSHOP.HALCT S95.99 01/30/19 01/31/19 24692169030100446915884 OVC'576293400902'30F5 800-367-9444 PA $11.96 01/30/19 01/31/19 24692169030100446915892 OVC'576I90265502'30F6 800-367-9444 PA $12.40 01/30/19 01/31/19 24692169030100446915900 OVC•576190265501'30F6 800-367-9444 PA $12.40 01/30/19 01/31/19 24692169030100446915918 OVC*576190265505'30F6 800-367-9444 PA $12.20 01/30/19 01/31/19 24692169030100446915926 OVC'576190265503'30F6 800-367-9444 PA $12.20 01/30/19 01/31/19 24692169030100446915934 OVC'57619026550410F6 800-367-9444 PA $12.20 01/31/19 02/01/19 24692169031100980244609 OVC•576293400901'30F5 800-367-9444 PA $11.96 02103/19 02/04/19 24692169034100813143058 OVC*573831726601'50F6 800-367-9444 PA $62.38 02104119 02/05/19 24692169035100274963209 OVC•573831880901'50F6 800-367-9444 PA $63.48 02104119 02/05/19 24906419035067710860359 HSWHSN1554251501 30F3 800-9332887 FL $13.66 02104119 02/05/19 24906419035067709590728 HSN'HSN155425I 500 30F3 800-9332887 FL $13.66 02104119 02/06/19 24445009037600044179727 HAUTLK RACK8885478438 888-547-8438 CA $264.83 02107/19 02/08/19 24692169038100149624306 OVC'576648875501'30F6 800-367-9444 PA $13.06 02108/19 02/11/19 24692169039100599805644 NETFLIX.COM NETFLIX.COM CA 510.99 02108/19 02/11/19 24906419039067926025793 HLU'Hulu 956791385393-U HULU.COM/BILLCA S7.99 TOTAL New Activity for GLENDA ANDERSON-LAYNE $1,145.17 INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES 551.95 TOTAL INTEREST S51.95 Navy Federal Credit Union SP 001 EFTA00124748 P Visa Signature a te Rewards p.,, 2019 TOTALS YEAR•TO-DATE Total Fees charged in 2019 Total Interest charged in 2019 $0.00 $97.12 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Pischases 11.90%(v) 55237.91 $51.95 Cash Atherces 13.90% (v) $0.00 $0.00 Bal TrItonv Chit 11.90% (v) $0.00 S0.00 (v) = Variable Rate • Bat 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 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. navytederatorgirnyer InSured by NCUA. Navy Federal Credit Union SP 001 EFTA00124749 NAVY 3 FEDERAL Credit Union MINIMUM PAYMENT DUE 20.00 Vtsa Sgnature eeroheRewards PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED 0.00 PLEASE MAKE CHECK PAYABLE AND Rea To: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 04/08/2019 887.50 xxxx xxxx xxxx $ • PLEASE trectcATE CHANGE OF ADDRESS DE REVERSE. GLENDA ANDERSON-LAYNE tt 0046333 0088750500020008406095688774150440609568877415043 ACCOUNT NUMBER ACCESS NUMBER Kr2OO:OX= SUMMARY OF ACCOUNT ACTIVITY Previous Balance $4,083.99 Payments -$4.125.28 Other Credits -5175.41 Purchases +$1.104.20 Cash Advances +$0.00 Fees Charged +$0.00 Interest Charged +$0.00 New Balance $887.50 Past Due Amount $0.00 Credit Limit $6,500.00 Available Credit $5,612.50 Cash Limit $3,250.00 Available Cash $3.250.00 Statement Closing Date 03/1 1/2019 Da a In Billl C cle 28 YeaSpate eadRewards PAYMENT INFORMATION New Balance $887.50 Minimum Payment Due $20.00 Payment Due Date 04/08/2019 Late Payment Warning:If we do not receive your mina-num 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 minrnum payment each period. you will pay mare in interest and it veal take you longer to pay off your balance. For example: II you make no additOnal charges using the card and each mcnitt you Pay.. Only the rnnimum Palmy)! $29 You theoblalipanayce off Shawn on the statement n about.. S years 3 years And you oil and up paying an esornaled Iola! of... $1.175 $1.044 (Savings • 3131) Page 1 old QUESTIONS Credit Card Services 1-808842.6328 Send 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 22119-3600 To view your account amine vol navyfiklerld.0.2. If you would Ike Wormaticn about aedil counseIng services. go to Mtgs./hews tustce.govrusblish credil.cconseling-agendes- approveckpursuant•11-uses.111 cc call 1-888-503-7106. 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. REWARDS SUMMARY Start Balance Earned Bonus Redeemed Adjusted Purged End Balance] $163.93 $16.53 $0.00 $175.41 $0.00 $0.00 $5.05 Redemptions we not permitted on dosed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Desadpdon 02/19/19 02/19/19 74060969050064440210007 NFO PAYMENT RECEIVED 02/19/19 02/19/19 74050959050063540210008 NFO PAYMENT RECEIVED 03/06/19 03/07/19 74460959066423220198319 CASH REWARDS TOTAL PAYMENTS AND CREDITS Submitted By mom room= 3COM rCer (XX MI xxmc 'cm xxxx Arnow* $1,000.00 $3,125.28 $175.41 $4,300.69 Navy Federal Credit Union SP 001 EFTA00124750 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 EFTA00124751 100 dS uopn l!PE00 imped MeN OrtOk'IS 90'CLS 66'55 15'665 6P'5103 66'015 86'£95 8C>Z9S 96'llS OZ'ZLS OP'ZLS OP'ZLS OZ'ZLS 96'llS OZ'ZLS 05'8l5 Ste'gZS L6'685 00'511 OnS L8'55 Zl'OgS Z9>L5 EZ'llS 88'85 te9'0CLS 88'85 erss mes 15'165 P5'0ZS Z9>L5 66'55 661,55 Z9>L5 C8'95 C8'95 C8'95 C8'95 06'95 05'OLS 66'91S 06'95 einotte VaS 00'05 610Z oi PofiletP IehJ1JI imoi 610Z Po6Jetlo sood IJloi 31V0-O1-e1V3A S1V1O1 610Z 3NAV1-NOSS3CINV VON310 201AMAP3V /tue 1V101 Vd Pte6-L9C-008 SAOPACKS/88699/5.3A° VD-ni£14NO3>ninH niSZ6ni6e9S6 ninH.n1H NW EZSS9L9-008 6£E0ZL9El. 04-m3 NW EZ559Z9-008 89Z651961. 04-m3 PIOD'XI1d13N 0103'XI1S13N NW 698C-1.65-008 . 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MO 61380/C0 61/1. MO 61380/C0 61190/E0 61380/C0 61190/E0 613/0/C0 eumeo 61/90/60 6U60./E0 61/60/60 6U60./E0 61/ZO/C0 61/60/E0 61/ZO/C0 61/60/E0 61/ZO/C0 61/60/E0 61/ZO/C0 61/60/E0 61/ZO/C0 6U60./E0 61/ZO/C0 6i/a20 61/9Z/Z0 6i/a20 61/9Z/Z0 6i/a20 61/9Z/Z0 6i/a20 61/9Z/Z0 6itaa0 61/9Z/Z0 6i/W20 61/EZ/Z0 6i/W20 61/EZ/Z0 6i/W20 61/EZ/Z0 6i/W20 61/EZ/Z0 6i/WIZO 61/ZZ/Z0 6i/WZO 61/1Z/Z0 6i/WZO 61/1Z/Z0 6i/WZO 61/1Z/Z0 6i/WZO 61/1Z/Z0 6i/WZO 61/1Z/Z0 6in MO 61/0Z/Z0 6in MO 61/0Z/Z0 61n Z20 61/0Z/Z0 61n Z20 61/0Z/Z0 61/6120 61/81/Z0 61/6120 61/81/Z0 61/9120 61/LL/Z0 61/9120 61/91/Z0 61/9120 61/91/Z0 61/9120 61/91/Z0 61/9120 61/91/Z0 612120 61n UM 612120 61n UM 612120 61/11/Z0 612120 61n UM oolldPosoCI •oN eoutuejed flua Pod Joga suhl ffl xxxx xxxx xxxx 3NAV1-NOSN3ONVVON319 SNOLLOVSNVal uopn l!PaO ltfil3CI3d AMN EFTA00124752 P Visa Signature firs/ Rewards 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 Purchases 11.90% (v) $0.00 Cash AO/aloes 13.90% (v) $0.00 Bel TrliCaw Chic' 11.90%(v) $0.00 (v) = Variable Rate • Bal Trf/Conv Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interest Interest is assessed from the transaction date to the date the amount is paid in full. Interest Charge $0.00 $0.00 $0.00 Planning a summer vacation? Use your Navy Federal Credit Card to book with Member Deals and get extra perks: • Earn up to 15X 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 EFTA00124753 NAVY 3 FEDERAL Credit Union MINIMUM PAYMENT DUE Visa Sgnature eeroheRewards PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED 0.00 0.00 05/08/2019 5,871.73 PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 xxxx xxxx xxxx $ • PLEASE WINGATE CHANGE OF ADDRESS ON REVERSE. GLENDA ANDERSON-LAYNE aa 0046062 XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX ACCOUNT NUMBER NACX KTIOOALVX= ACCESS NUMBER SUMMARY OF ACCOUNT ACTP/ITY Previous Balance $887.50 Payments -$2.143.47 Other Credits -5138.31 Purchases +$7.286.01 Cash Advances +$0.00 Fees Charged +50.00 Interest Charged +50.00 New Balance $5,871.73 Past Due Amount $0.00 Credit Limit 58.500.00 Available Credit $628.27 Cash Limit 53,250.00 Available Cash $628.27 Statement Closing Date 04/11/2019 Days In Billing Cycle 31 YeaSpan eaai Rewards PAYMENT INFORMATION New Balance $5,871.73 Minimum Payment Due NONE Payment Due Date 05108/2019 Late Payment Warning:If we do not receive your mina-num 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 minrnum payment each period. you will pay more in interest and it veal take you longer to pay off your balance. For example: if you make no addax:nal charges using the card and each month you 11011 Only the rnnimum payment Yothuewbialipanayceoll up paying as And you will end shown on this enmaled statement rt total of... about.. 20 yews 511.073 57.020 5195 3 years (Ssengs 54.053) RAN 1 old QUESTIONS Credit Card Services 1383842.6328 Send Billing Inquiries To: Navy Federal Credit Union P.O. Box 3601 Ilettilleid VA 22119.3501 Stead Payments To: Navy Federal P.O. Box 3600 mordant VA 22119.3500 To view your account online viint navyfederill.0.11. If you would Ike Iniormaticn about credit counselng ten/ices. go to haps./1*Avoimstce.goviusblis6 eredikcounsellog-agenoes• approved. pun suantl t Nsal11 or call 1-868-503-7106. REWARDS SUMMARY Start Balance Earned Bonus Redeemed Adjusted 55.05 5108.13 I 50.00 i $84.99 , $0.00 Purged $0.00 End Balance $28.19 Redemptions we not permlffed on closed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description 74050969074087460310005 NFO PAYMENT RECEIVED 74692161079100554576901 GROUPON INC GROUPON.COM IL 74692169079100554580030 GROUPON INC GROUPON.COM IL 74892169080100072583513 GROUPON INC GROUPON.COM IL 74460969085423220205625 CASH REWARDS 74060969085062440320007 NFO PAYMENT RECEIVED 74060555055063340320046 NFO PAYMENT RECEIVED TOTAL PAYMENTS AND CREDITS 03/15/19 03/15/19 03/20/19 03/21/19 03/20/19 03/21/19 03/21/19 03/22/19 03/25119 03/26/19 03/26/19 03/26/19 03/26/19 03/26/19 Amount 51.143.47 $18.50 $17.41 $17.41 $84.99 $500.00 $500.00 $2,281.76 Navy Federal Credit Union SP 001 EFTA00124754 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 EFTA00124755 NAVY C FEDERAL Credit Union Visa Signature e;7skeRevvardS in pear 3.i. TRANSACTIONS GLENDA ANDERSON-LAYNE Trans Date Post Date xxxx xxxx xxxx Reference No. Description Amount 03/13/19 03/14/19 24692169072100036761044 AMZN Mktp US*MW3EK9ZEI Amzn.ccmfbillWA S34.98 03/13/19 03/14/19 24692169072100143548320 AMZN Mktp US*MWOOLON6I Amzn.ccmfbillWA $13.93 03/13/19 03/14/19 24692169072100198987304 WALMART.COM 800-966-6546 AR S72.87 03/13/19 03/14/19 24906419072069728381604 HSN'HSN1556820495 40F6 800-9332887 FL $6.90 03/13/19 03/14/19 24906419072069731431198 HSN'HSN1556820492 40F6 800-9332887 FL $6.90 03/13/19 03/14/19 24692169072100315222403 AMZN Mktp US*MWONA2ND I Amzn.ccentbillWA S38.99 03/13/19 03/14/19 24692169072100352406471 AMZN Mktp US*MW55A53P1 Amm.conVNIIWA S30.30 03/13/19 03/14/19 24906419072069732975235 HSN'HSN1576110912 IOF3 800-9332887 FL $34.11 03/13/19 03/14/19 24906419072069733093905 HSWHSN1547150582 50F5 800-9332887 FL $16.99 03/15/19 03/18/19 24906419074069834773445 HSWHSN1576674991 I0F3 800-9332887 FL $40.27 03/18/19 03/19/19 24906419077069989718774 HSN'HSN1564848547 30F6 800-9332887 FL 56.83 03/18/19 03/19/19 24906419077069993556604 HSN'HSN1564849506 30F6 800-9332887 FL 56.83 03/18/19 03/19/19 24906419077069993559617 HSN'HSN1564848527 30F6 800-9332887 FL 56.83 03/18/19 03/19/19 24906419077069992893065 HSN'HSN1564849507 30F6 800-9332887 FL 56.83 03/20/19 03/21/19 24692169079100300439254 OVC*577053471201•40F6 800-367-9444 PA S7.62 03/20/19 03/21/19 24906419079070103365660 HSWHSN1548827625 50F6 800-9332887 FL $54.99 03/19/19 03/21/19 24707809079030038759893 Tuly Rinckey PLLC 518-218-7100 NY 65.000.00 03/23/19 03/25/19 24692169082100081051648 OVC*575715176801'50F6 800-367-9444 PA S7.62 03/24/19 03/25/19 24692169083100658316561 OVC*575782270801'50F6 800-367-9444 PA $11.23 03/24/19 03/25/19 24692169063100658316579 OVC*577282450202'40F6 800-367-9444 PA 58.88 03/24/19 03/25/19 24692169063100658316587 OVC*577282450203'40F6 800-367-9444 PA 58.88 03/24/19 03/25/19 24692169063100658316695 OVC*577282450201•40F6 800-367-9444 PA $130.64 03/24/19 03/25/19 24692189063100658316603 OVC*575782129901•50F5 800-367-9444 PA $527 03/24/19 03/25/19 24492159083837042782332 SP • WOODEN SHIPS HTTPSWOODENSHNY $303.00 03/24/19 03/25/19 24445009063300419327703 IMPORTFOOD COM 425-687-1708 ID $122.43 03/24/19 0125/19 24445009084600040218083 HAUTLK RACK8885478438 888-547-8438 CA $112.18 03/25/19 03/26/19 24692169084100197338554 OVC•575715176701•50F6 800-367-9444 PA 57.62 03/26/19 03/27/19 24692169085100624958314 OVC•575782129903'50F5 800-367-9444 PA S5.87 03/26/19 03/27/19 24692169085100624958322 OVC*579078338501•20F2 800-367-9444 PA $20.12 03/26/19 03/27/19 24692189085100824956330 OVC•575782129902'50F5 800-367-9444 PA S720 03/26/19 03/27/19 24445009086600049207853 HAUTLK RACK8885478438 888-547-8438 CA $244.88 03/26/19 03/27/19 24138299088288421909381 BED BATH & BEYOND #651 973-785-4333 NJ $77.21 03/28/19 04/01/19 24492159088894589236391 PURE INDIAN FOODS 877-588-4433 NJ S55.70 04101/19 04/02/19 24483479091277255874949 IHERB.COM 195-161636001CA $42.77 04101/19 04/02/19 24204299091275152764833 IHERB.COM 195-16163600 CA $45.60 04102/19 04/03/19 24692169092100987544239 OVC•576190265505•50F6 800-367-9444 PA $12.20 04102/19 04/03/19 24692169092100987544247 OVC•576293400902•50F5 800-367-9444 PA $11.96 04102/19 04/03/19 24692169092100987544254 OVC*576190265501•50F6 800-367-9444 PA $12.40 04102/19 04/03/19 24692169092100987544262 OVC•576190265504•50F6 800-367-9444 PA $12.20 04102/19 04/03/19 24692169092100987544270 OVC*576190265502•50F6 800-367-9444 PA $12.40 04102/19 04/03/19 24692169092100987544288 OVC*576190265503•50F6 800-367-9444 PA $12.20 04103/19 04/04/19 24692169093100587144389 OVC*576293400901•50F5 800-367-9444 PA $11.96 04104/19 04/05/19 24559309094900013552278 KOKOON. INC. DBA INHABIT 212-5753800 NY $195.17 04107/19 04/08/19 24906419097071088927894 Evme •136759268.VP 800-6765523 MN $23.31 04108/19 04/09/19 24692169098100584032439 NETFLIX.COM NETFLIX.COM CA $10.99 04108/19 04/09/19 24906419098071137216439 HLU'Hulu 956791386571-U HULU.COM/BILLCA S5.99 04109/19 04/10/19 24055239099083318848975 WALMART.COM 8009666546 800-966-6546 AR S39.58 04/10/19 04/10/19 24431069100083037097804 TARGET.COM • 800-591-3869 MN S25.22 04/10/19 04/11/19 24692169100100785921807 OVC*576648875501•50F6 800-367-9444 PA $13.06 04/11/19 04/11/19 24431069101083038896528 TARGET.COM • 800-591-3869 MN S427 04/11/19 04/11/19 24431069101083040724120 TARGET.COM • 800-591-3869 MN S33.15 04/10/19 04/11/19 74313229100100778375013 AMZ*Damel Footwear amzn.conVp-nts $226.68 Navy Federal Credit Union SP 001 EFTA00124756 P visa Sgnature as/Rewards pn,4d. TRANSACTIONS • FOREIGN CURRENCY 172.75 GBP RATE 0.76209 TOTAL New Activity for GLENDA ANDERSON-LAYNE S7.266.01 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged m 2019 53.00 $97 12 INTEREST CHARGE Your Annual Percentage CALCULATION Rate (APR) Is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Purchases 11.90% (v) $0.00 $0.00 Cash Ad/aloes 13.90%(v) $0.00 $0.00 Bal TrlitawChle (v) = Variable Rate 11.90%(v) $0.00 $0.00 • Bat Trf/Cony 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 hill. Navy Federal Credit Union SP 001 EFTA00124757 NAVY 3 FEDERAL Credit Union MINIMUM PAYMENT DUE Vtsa Sgnature eeroheRewards PAST DUE PAYMENT PAYMENT I NEW DUE DATE BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED 21.00 0.00 06/08/2019 1,006.34 PLEASE MAKE CHECK PAYABLE AND MNL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 xxxx xxxx xxxx $ • PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. GLENDA ANDERSON-LAYNE •• 0119970 XX XX XX X X X X X X X X X X X XX XX XX XX X X X X X X X X X X X XX XX XX XX X X X X X ACCOUNT NUMBER ACCESS NUMBER KOOOPOIX= SUMMARY OF ACCOUNTACTT/17Y Previous Balance $5.871.73 Payments 47.301 73 Other Credits 446.97 Purchases +52.483.31 Cash Advances +$0.00 Fees Charged +$0.00 Interest Charged +$0.00 New Balance $1.006.34 Past Due Amount S0.00 Over Limit Amount $0.00 Credit Limit 56,500.00 Available Credit $5,493.66 Cash Limit $3,250.00 Available Cash $3,250.00 Statement Closing Date 05/11/2019 Da s In Billi C cle 30 Vea Spate eaai Rewards PAYMENT INFORMATION New Balance 51,006.34 Minimum Payment Due $21.00 Payment Due Date 08/0812019 Late Payment Warning:If we do not receive your mina-num 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 veal take you longer to pay off your balance. For example: you make no additional chargers Wing the card andeach month you Pay Only the rnnimum Payment 533 You thewblatipanayceolf Shawn on this statement ri 6 yews And you will end up paying an estrnaled Iola/ of... 51.399 51.188 3 yews (Savings • $211) REWARDS SUMMARY Start Balance Earned $28.19 Bonus $36.50 $0.00 Redeemed $0.00 Adjusted $0.00 Page 1014 QUESTIONS Credit Card Services 1303842.6328 Send Billing Inquiries To: Navy Federal credit union P.O. Box 3601 Metalloid VA 22119-3501 Send Payments To: Navy Federal P.O. Box 1507 PAerriaind VA 22119-3500 To view your account online you xould Ike Intomiatico about credit counselng services. go to MIpsllw.wjustiee.gov/usblist• etedil.counseling-agencies. Opproved-putsuardr11.us.,111 Cr call 1-886-503-7106. Purged End Balance $0.00 S64.69 Redemptions we not permitted an dosed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By Amount 04/15/19 04/15/19 74[609691050680504100[0 NFO PAYMENT RECEIVED x:ocic max uxx $871.73 04/21/19 04/22/19 74[60969112063020420008 NFO PAYMENT RECEIVED Lox max xxxx $330.00 04/21/19 04/22/19 74[60969112068130420004 NFO PAYMENT RECEIVED Lox max xxxx $100.00 04/26/19 04/26/19 74000969116800000007362 PAYMENT RECEIVED —THANK Loa nxx max $6.000.00 YOU 04/29/19 04/30/19 74313229119100807727035 AMZ*Daniel Footwear amzn.com/pmts Lox =coma= $46.97 TOTAL PAYMENTS AND CREDITS $7,348.70 Navy Federal Credit Union SP 001 EFTA00124758 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 EFTA00124759 NAVY FEDERAL Credit Union WaSignatue eart/Rewards Para of 4 TRANSACTIONS GLENDA ANDERSON-LAYNE xxcx tan mac MI Amount Trans Date Post Date Reference No. Description 04712719 04/15/19 24906419102071348029872 HSWHSN1556820492 50F6 800-9332887 FL S6.90 04712/19 04/15/19 24906419102071350465438 HSWHSN1556820495 50F6 800-9332887 FL S6.90 04712/19 04/15/19 24906419102071351036590 HSICHSN1576110912 20F3 800-9332887 FL $23.33 04714/19 04/15/19 24906419104071444898865 HSWHSN1576674991 20F3 800-9332887 FL $26.65 04716/19 04/17/19 24692169106100575800815 EXPEDIAAFtP 111778759576 800-675-4318 WA $884.04 04717/19 04/18/19 24906419107071608734604 HSICHSN1564849507 40F6 800-9332887 FL 56.83 04717/19 04/18/19 24906419107071607334349 HSICHSN1564849506 40F6 800-9332887 FL 56.83 04717/19 04/18/19 24906419107071607445970 HSICHSN1564848527 40F6 800-9332887 FL 56.83 04717/19 04/18/19 24906419107071605062512 HSICHSN1564848547 40F6 800-9332887 FL S6.83 04718/19 04/19/19 24906419108071690385104 HSICHSN1583152421 800-9332887 FL $42.79 04/18/19 04/19/19 24906419108071650385013 HSICHSN1583152419 800-9332887 FL $42.79 04718/19 04/19/19 24906419108071650978221 HSICHSN1583152420 800-9332887 FL $42.79 04/19719 04/22/19 24906419109071715003321 HSWHSN1548827625 60F6 800-9332887 FL $54.99 04720/19 04/22/19 24692169110100730865039 OVC*577053471201'50F6 800-367-9444 PA S7.62 04720/19 04/22/19 24240529110602171375304 HEALTHY GOODS 541-203-4402 OR $104.32 04720/19 04/22/19 24431059110207880377202 D'ARTAGNAN - ECOMM 800-327-8426 NJ $144.82 04723/19 04/24/19 24692169113100315010601 OVC*575715176801'60F6 800-367-9444 PA S7.62 04723/19 04/24/19 24492159113637386591244 SP • GINGERCHI GINGERCHI.MYSNY S79.10 04724/19 04/25/19 24692169114100872914749 OVC*577282450201'50F6 800-367-9444 PA $130.64 04724/19 04/25/19 24692169114100872914758 OVC*577282450203'50F6 800-367-9444 PA 58.88 04724/19 04/25/19 24692169114100872914784 OVC*577282450202'50F6 800-367-9444 PA 58.88 04724/19 04/25/19 24692169114100872914772 OVC*575782270801'60F6 800-367-9444 PA $11.23 04724/19 04/25/19 24690519114286460300108 YUMMIE 212-704-4242 NY 512.06 04724/19 04/25/19 24690519114286460300124 YUMMIE 212-704-4242 NY S3.50 04725/19 04/26/19 24692169115100457673968 OVC*575715176701'60F6 800-367-9444 PA S7.62 04727/19 04/29/19 24204299117002879654838 IHERB.COM 195-16163600 CA $61.35 05103/19 05/06/19 24692169123100300099385 OVC•576190265501'60F6 800-367-9444 PA $12.40 05103/19 05/06/19 24692169123100300099393 OVC•576190265502'60F6 800-367-9444 PA $12.40 05103/19 05/06/19 24692169123100300099401 OVC•576 I90265504'60F6 800-367-9444 PA $12.20 05103/19 05/06/19 24692169123100300099419 OVC•576190265505'60F6 800-367-9444 PA $12.20 05103/19 05/06/19 24692169123100300099427 OVC•576190265503'60F6 800-367-9444 PA $12.20 05107/19 05/08/19 24055229127200755000018 ARMY NAVY OUTDOORS NL II 954-973-6389 FL $131.96 05106/19 05/08/19 24445009128600053922332 HAUTLK RACK8885478438 888-547-8438 CA $224.51 05107/19 05/08/19 24908419127072707518936 Ever* '136759268.VP 800-6765523 MN $23.31 05108/19 05/09/19 24906419128072769520969 HLU'Hulu 956791388448-U HULU.COM/BILLCA 55.99 05108/19 05/10/19 24013399129001162058654 AT WEST END ATWESTEND.COMMS $290.00 TOTAL New Activity for GLENDA ANDERSON-LAYNE 52,483.31 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged in 2019 $0.00 $97.12 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) Is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Puchasee 11.90%(v) 50.00 $0.00 Cash Advances 13.90% (v) $0.00 $0.00 Navy Federal Credit Union SP 001 EFTA00124760 P Visa Signature firs/ Rewards 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 Bel TrI/CaTiChle 11.90%(v) (v) = Variable Rate • Bat 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. Interest Charge 50.00 50.00 Navy Federal Credit Union SP 001 EFTA00124761 NAVY 3 FEDERAL Credit Union Visa Sgnature eeroheRewards MINIMUM PAST DUE PAYMENT DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED 0.00 0.00 PLEASE MAKE CHECK PAYABLE AND MAUL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 07/08/2019 1,388.24 xxxx xxxx xxxx $ PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. GLENDA ANDERSON-LAYNE as 00106104 XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX ACCOUNT NUMBER JO= 'COX earn= ACCESS NUMBER SUMMARY OF ACCOUNT ACTIVITY_ Previous Balance $1,006.34 Payments 41.006.31 Other Credits 4278.56 Purchases +$1.686.80 Cash Advances 440.00 Fees Charged +50.00 Interest Charged +50.00 New Balance $1,388.24 Past Due Amount $0.00 Over Limit Amount 50.00 Credit Limit 58,000.00 Available Credit $6,611.76 Cash Limit 54,00000 Available Cash $4,000.00 Statement Closing Date 06/11/2019 Days In Billing Cycle 31 VisaSoave eaai Rewards PAYMENT INFORMATION New Balance 31,388.24 Minimum Payment Due NONE Payment Due Date 07/08/2019 Late Payment Warning:If we do not receive your mina-num 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 minrnum payment each period. you will pay more in interest and it veal take you longer to pay off your balance. For example: you make no additiarial charges using the card and each month you Pay Only the rnnimum payment S46 You thewblalipaneyceptt shown on this statement it 9 years 3 years And you will end up paying an morseled told of... 12.166 51.656 (Savings • 5512) IMPORTANT NOTICES CONGRATULATIONS! WE ARE PLEASED TO INFORM YOU THAT YOUR CREDIT LINE HAS BEEN INCREASED! YOUR NEW LIMIT IS $8.000.00 . THANK YOU FOR ALLOWING US THE OPPORTUNITY TO SERVE YOU. IF EVER YOU NAVE A OLESTION ABOUT YOUR ACCOUNT, PLEASE 00 NOT HESITATE TO CALL. Pagel old QUESTIONS Credit Card Services 1-838-842.6328 Send Billing Inquiries To: Navy Federal Credit union P.O. Box 3601 Iletalle10 VA 22119-3501 Send Payments To: Navy Federal P.O. Box 3600 merrinew VA 22119-3500 To view your account online vita navyardionolOrg. if you would Ike miommlico about credit counseIng tents... go to https./hreverejustCe.gCnifuebliet- eredil.cOunsering-agendeS• approved-pursuarit.11•W>111 a call 1-888-503-7108. REWARDS SUMMARY Start Balance Earned Bonus Redeemed Adjusted Purged End Balance $64.69 $20.77 $0.00 S0.00 $0.00 $0.00 $65.46 Redemptions are not permitted on closed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By Amount 05/21/19 05/23;19 74013399142002926049688 AT WEST END JACKSON xxxx xxxx max $246.50 MS 05/26/19 05/28/19 74050959148060340520002 NFO PAYMENT RECEIVED sync toms max !MI $1,006.34 06/01/19 06;03/19 74692169152100098492918 AMZN Mktp US sync toms max $32.06 Amzn.corn/billWA TOTAL PAYMENTS AND CREDITS $1,284.90 Navy Federal Credit Union SP 001 EFTA00124762 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 EFTA00124763 NAVY C FEDERAL Credit Union visa Signature ar/fReward.s TRANSACTIONS GLENDA ANDERSON-LAYNE Trans Date Post Date xxxx xxxx xxxx Reference No. Description Amount 05/10/19 05/13/19 24692169130100491934847 NETFLIX.COM NETFLIX.COM CA S12.99 05711/19 05/13/19 24692169131100014831297 OVC*576648875501•60F6 800-367-9444 PA $13.06 05712/19 05/13/19 24908419132072957448799 HSWHSN1576110912 30F3 800-9332887 FL $23.33 05712/19 05/13/19 24908419132072959092039 HSWI-I5N1556820492 60F6 800-9332887 FL S6.90 05714/19 05/15/19 24908419134073053314178 HSICHSN1576674991 30F3 800-9332887 FL $26.65 05717/19 05/20/19 24906419137073222063224 HSICHSN1564849506 50F6 800-9332887 FL 56.83 05717/19 05/20/19 24906419137073222303364 HSICHSN1564848547 50F6 800-9332887 FL 56.83 05717/19 05/20/19 24906419137073225281690 HSWI-I5N1564849507 50F6 800-9332887 FL 56.83 05717/19 05/20/19 24906419137073225327006 HSWI-I5N1564848527 50F6 800-9332887 FL S6.83 05717/19 05/20/19 24785019139206325740879 RADIANT LIFE COMPANY 888-593-9595 CA $125.28 05718/19 05/20/19 24908419138073285743802 HSWHSN1564848547 60F6 800-9332887 FL 56.83 05/18/19 05/20/19 24908419138073284919734 HSICHSN1564849507 60F6 800-9332887 FL 56.83 05/18/19 05/20/19 24908419138073284997278 HSICHSN1556820495 60F6 800-9332887 FL 56.90 05/18/19 05/20/19 24908419138073285899323 HSICHSN1564849506 60F6 800-9332887 FL 56.83 05/18/19 05/20/19 24908419138073287082458 HSICHSN1564848527 60F6 800-9332887 FL 56.83 05/20/19 05/21/19 24492159140637240429182 SP • YUMMY BAZAAR INC YUMMYBA7_AAR.MNJ $113.31 05/20/19 05/21/19 24431069140083707357316 AMZN MICTP US*MN49G1V32 AMAMZN.COMIBILLWA 519.95 05/21/19 05/22/19 24692169141100632867893 OVC*577053471201•60F6 800-367-9444 PA 57.62 05/21/19 05/22/19 24431069141083305556748 AMAZON.COMWN9R6IHN2 AMZNAMZN.COKLBILLWA 523.09 05/22/19 05/22/19 24431069142083048519424 TARGET.COM • 800-591-3869 MN 535.79 05/22/19 05/23/19 24692169142100409307751 AMZN Mktp US*MN2WH3BI2 Amzn.com/biIIWA 532.06 05/21/19 05/23/19 24676459142500519975055 VITAL CHOICE SEAFOOD 306-603-9549 WA $152.15 05/25/19 05/27/19 24692169145100212058899 OVC*577282450203•60F6 800-367-9444 PA 58.88 05/25/19 05/27/19 24692169145100212056907 OVC*577282450202•60F6 800-367-9444 PA 58.88 05/25/19 05/27/19 24692169145100212058915 OVC*577282450201•60F6 800-367-9444 PA $130.64 05/28/19 05/30/19 24676459149500485765780 VITAL CHOICE SEAFOOD 306-603-9549 WA 5111.60 06102/19 06/03/19 24492159153637691035870 COLES WILLBURBANK.SRI S52.35 06102/19 06/03/19 24492159153637681335767 COLES WILLBURBANK.SRI 544.92 06102/19 06/03/19 24445009154600042250113 HAUTLK RACK8885478438 888-547-8438 CA $124.73 06102/19 06/04/19 24445009154500313959949 SIERRA WEB-INTERNET 800-713-4534 WY 599.95 06104/19 06/04/19 24431069155083033428643 TARGET.COM • 800-591-3869 MN 516.66 06104/19 06/04/19 24431069155083034520372 TARGET.COM • 800-591-3869 MN 519.65 06102/19 06/05/19 24639239155900019905800 THE REPUBLIC OF TEA. INC.800-2984832 CA 534.30 06105/19 06/06/19 24492159158637030382840 VICENZO LEATHER VICENZOLEATHETX S63.96 06106/19 06/07/19 24906419157074316875007 Even° •136759268.VP 800-6765523 MN 523.31 06108/19 06/10/19 24692169159100447376834 OVC*5821471469muldine 800-367-9444 PA $44.97 06108/19 06/10/19 24692169159100460608489 NETFLIX.COM NETFLIX.COM CA S12.99 06108/19 06/10/19 24908419159074418034139 HLU'Hulu 956791389120-U HULU.COM/BILLCA S5.99 06109/19 06/10/19 24431069160200685969322 SHEAR ENTERPRISES. LLC 727-898-8400 FL $151.36 06710/19 06/11/19 24055239161083306558718 WALMART.COM 8C09666546 800-966-6546 AR 557.94 TOTAL New Activity for GLENDA ANDERSON-LAYNE $1466.80 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged in 2019 50.00 S97.12 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate I Purchases 11.90% (v) $0.00 Interest Charge $0.00 Navy Federal Credit Union SP 001 EFTA00124764 P Visa Signature firs/ Rewards INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual Interest rate on your account. Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Cash Athances 13.90% (v) $0.00 $0.00 Bel TrI/Conv ChM (v) = Variable Rate 11.90% (v) $0.00 $0.00 ' Bat 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. Navy Federal Credit Union SP 001 EFTA00124765 NAVY 3 FEDERAL Credit Union MINIMUM PAYMENT DUE 41.00 Vtsa Sgnature eeroheRewards PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED 0.00 PLEASE MAKE CHECK PAYABLE AND MAUL TO: NAVY FEDERAL P.O. BOX 3500 MERRIFIELD VA 22119-3500 08/08/2019 2,023.94 xxxx xxxx xxxx $ PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. GLENDA ANDERSON-LAYNE 22 00.04.13 XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX ACCOUNT NUMBER xxxx 'ECU =OM ACCESS NUMBER SUMMARY OF ACCOUNT ACTIVITY Previous Balance $1.388.24 Payments 40.00 Other Credits 4478.95 Purchases +$1.098.80 Cash Advances +$0.00 Fees Charged +$0.00 Interest Charged +515.85 New Balance $2,023.94 Past Due Amount $0.00 Over Limit Amount $0.00 Credit Limit $8,000.00 Available Credit $5978.06 Cash Limit $4,000.00 Available Cash $4.000.00 Statement Closing Date 07111/2019 Days In Billing Cycle 30 YeaSwan eaai Rewards PAYMENT INFORMATION New Balance $2,023.94 Minimum Payment Due $41.00 Payment Due Date 0810812019 Late Payment Warning:If we do not receive your mina-num 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 minrnum payment each period. you will pay more in interest and it veal take you longer to pay off your balance. For example: II you make no additional charges using this card and each month you pay... Only the minimum Perron! $67 You wit pay off the balance shown on this statement ii And you wit anti up paying an estimated told of... 11 years 33.383 12.412 (Savings • 3971) 3 yews Pape 1 old QUESTIONS Credit Card Semites 14011-942.6328 Send Billing Inquiries To: Navy Federal credit Union P.O. Box 3601 Merallel4 VA 22119-3501 Send Payments To: Navy Federal P.O. Box 3.503 meniner4 VA 22119-3500 To now yaw account Palate Weil havyledertd.0.9. For intormesan about ciedil NonsoANI graces. you may go Is hupwwavriustiocrgoetusu ltsiwrecto.counsoling.apancles. approattilursuant.11.usc-tit. or calli-530-503.7106. REWARDS SUMMARY Start Balance Earned $85.46 $9.28 Bonus Redeemed $0.00 $0.00 Adjusted $0.00 Purged End Balance $0.00 $94.74 Redemptions we not permitted an dosed or delinquent accounts. TRANSACTIONS PAYMENTS AND CREDITS Trims Date Post Date Reference No. Description Submitted By Amount 06/12/19 06/13/19 744450091e48000513873401 HAUTLK RACK8885478438 sax( =cc max= $218.56 06/21/19 06/24/19 74676459173000948757544 888-5478438 CA VITAL CHOICE SEAFOOD x:occ ant w - $17.85 07101/19 07/02/19 74055229163400221006018 BELLINGHAM WA ARMYNAVYOUTDOORS.COM Loa max max= $123.01 JACKSONVILLE FL 07109/19 07/10/19 74431059191200587694257 SHEAR ENTERPRISES, LLC ST root )cc000cxx= $119.53 PETERSBURGFL TOTAL PAYMENTS AND CREDITS $478.95 Navy Federal Credit Union SP 001 EFTA00124766 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

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SWIFT/BICACCOUNTACTT

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