EFTA00124747



Visa Signature Cash Rewards


<table><thead><tr><th>Trans Date</th><th>Post Date</th><th>Reference No.</th><th>Description</th><th>Amount</th></tr></thead><tbody><tr><td>01/12/19</td><td>01/14/19</td><td>24906419012066535157436</td><td>HSN*HSN1547150583 3OF4 800-9332887 FL</td><td>10.50</td></tr><tr><td>01/12/19</td><td>01/14/19</td><td>24906419012066534626766</td><td>HSN*HSN1556820495 2OF6 800-9332887 FL</td><td>6.90</td></tr><tr><td>01/12/19</td><td>01/14/19</td><td>24906419012066535026766</td><td>HSN*HSN1556820493 2OF6 800-9332887 FL</td><td>8.81</td></tr><tr><td>01/12/19</td><td>01/14/19</td><td>2490641901206653469144</td><td>HSN*HSN1547150582 3OF5 800-9332887 FL</td><td>16.99</td></tr><tr><td>01/12/19</td><td>01/14/19</td><td>24906419012066534082452</td><td>HSN*HSN1556820492 2OF6 800-9332887 FL</td><td>6.90</td></tr><tr><td>01/15/19</td><td>01/16/19</td><td>24761979101508370421112</td><td>BATH &amp; BODY WORKS.COM 800-756-505 OH</td><td>60.07</td></tr><tr><td>01/17/19</td><td>01/18/19</td><td>24692169017100274196384</td><td>QVC*5770534712012*0F6 800-367-9444 PA</td><td>7.62</td></tr><tr><td>01/17/19</td><td>01/18/19</td><td>24692169017100274196372</td><td>QVC*572364645601*6OF6 800-367-9444 PA</td><td>13.24</td></tr><tr><td>01/17/19</td><td>01/18/19</td><td>24692169017100274196372</td><td>QVC*572364645601*6OF6 800-332887 PA</td><td>10.49</td></tr><tr><td>01/17/19</td><td>01/18/19</td><td>24692169017100274196372</td><td>HSN*HSN156484597 10F6 800-9332887 PA</td><td>10.49</td></tr><tr><td>01/17/19</td><td>01/18/19</td><td>24692169017100274196372</td><td>HSN*HSN156484587 10F6 800-9332887 PA</td><td>10.49</td></tr><tr><td>01/17/19</td><td>01/18/19</td><td>24692169017100274196372</td><td>HSN*HSN156484590 10F6 800-9332887 PA</td><td>10.49</td></tr><tr><td>01/17/19</td><td>01/18/19</td><td>24692169017100274196372</td><td>HSN*HSN156484590 10F6 800-9332887 PA</td><td>10.49</td></tr><tr><td>01/19/19</td><td>01/21/19</td><td>2469419019066833726876</td><td>HSN*HSN1541651365 4OF5 800-9332887 FL</td><td>5.99</td></tr><tr><td>01/20/19</td><td>01/21/19</td><td>24692169020100194197243</td><td>QVC*5771565176101*3OF4 800-367-9444 PA</td><td>20.54</td></tr><tr><td>01/20/19</td><td>01/21/19</td><td>24692169020100194197250</td><td>QVC*577151761801*0F6 800-367-9444 PA</td><td>7.62</td></tr><tr><td>01/20/19</td><td>01/21/19</td><td>24692169020100194197268</td><td>QVC*572363387001*6OF6 800-367-9444 PA</td><td>17.22</td></tr><tr><td>01/20/19</td><td>01/21/19</td><td>24692169020100194197276</td><td>QVC*572363387001*6OF6 800-332887 PA</td><td>17.22</td></tr><tr><td>01/21/19</td><td>01/22/19</td><td>2469216902100142726092</td><td>QVC*577282450201*2OF6 800-367-9444 PA</td><td>5.27</td></tr><tr><td>01/21/19</td><td>01/22/19</td><td>24692169021001427260900</td><td>QVC*577282450201*2OF6 800-367-9444 PA</td><td>130.64</td></tr><tr><td>01/21/19</td><td>01/22/19</td><td>24692169021001427260918</td><td>QVC*577282450201*2OF6 800-367-9444 PA</td><td>8.88</td></tr><tr><td>01/21/19</td><td>01/22/19</td><td>24692169021001427260926</td><td>QVC*577282450201*2OF6 800-367-9444 PA</td><td>8.88</td></tr><tr><td>01/21/19</td><td>01/22/19</td><td>24692169021001427260934</td><td>QVC*57728270801*10F6 800-367-9444 PA</td><td>11.23</td></tr><tr><td>01/21/19</td><td>01/23/19</td><td>24692169021001071769017</td><td>QVC*57715176701*10F6 800-367-9444 PA</td><td>7.62</td></tr><tr><td>01/23/19</td><td>01/24/19</td><td>24692169021001054148017</td><td>QVC*577282129002*10F6 800-367-9444 PA</td><td>7.20</td></tr><tr><td>01/23/19</td><td>01/24/19</td><td>246921690210010541480187</td><td>QVC*577282129002*10F6 800-367-9444 PA</td><td>5.87</td></tr><tr><td>01/24/19</td><td>01/25/19</td><td>2490419024067124435957</td><td>HNSN1503324068 40F5 800-9332887 FL</td><td>41.65</td></tr><tr><td>01/28/19</td><td>01/25/19</td><td>24904190258637601252048</td><td>HALO2CLOUD LLC HTTPSHOP HALCT</td><td>95.99</td></tr><tr><td>01/30/19</td><td>01/31/19</td><td>24692169030100446195884</td><td>QVC*57239400900*3OF5 800-367-9444 PA</td><td>11.96</td></tr><tr><td>01/30/19</td><td>01/31/19</td><td>24692169030100446195892</td><td>QVC*57190265502*3OF5 800-367-9444 PA</td><td>12.40</td></tr><tr><td>01/30/19</td><td>01/31/19</td><td>24692169030100446195900</td><td>QVC*57190265502*3OF5 800-367-9444 PA</td><td>12.40</td></tr><tr><td>01/30/19</td><td>01/31/19</td><td>24692169030100446195918</td><td>QVC*57190265502*3OF5 800-367-9444 PA</td><td>12.40</td></tr><tr><td>01/30/19</td><td>01/31/19</td><td>24692169030100446195926</td><td>QVC*57190265502*3OF5 800-367-9444 PA</td><td>12.20</td></tr><tr><td>01/30/19</td><td>01/31/19</td><td>24692169030100446195934</td><td>QVC*57190265502*3OF5 800-367-9444 PA</td><td>12.20</td></tr><tr><td>01/30/19</td><td>02/01/19</td><td>2469216903100198024609</td><td>QVC*57239400900*3OF5 800-367-9444 PA</td><td>11.96</td></tr><tr><td>02/03/19</td><td>02/04/19</td><td>24692169031001981341058</td><td>QVC*573813726801*5OF6 800-367-9444 PA</td><td>62.38</td></tr><tr><td>02/03/19</td><td>02/05/19</td><td>24692169031001724983209</td><td>QVC*573813809001*5OF6 800-367-9444 PA</td><td>63.48</td></tr><tr><td>02/04/19</td><td>02/05/19</td><td>24692169037100803593</td><td>HNSN1554251501 3OF3 800-9332887 FL</td><td>13.66</td></tr><tr><td>02/04/19</td><td>02/05/19</td><td>2469216903507959728</td><td>HNSN1554251501 3OF3 800-9332887 FL</td><td>13.66</td></tr><tr><td>02/04/19</td><td>02/06/19</td><td>2445400903760004179277</td><td>HBAUTK RACKB8854838 88-547-8438 CA</td><td>264.83</td></tr><tr><td>02/07/19</td><td>02/08/19</td><td>240819803101194924306</td><td>QVC*576484875501*3OF5 800-367-9444 PA</td><td>13.06</td></tr><tr><td>02/08/19</td><td>02/11/19</td><td>240964190390689506446</td><td>NETFLX.COM CA</td><td>13.06</td></tr><tr><td>02/08/19</td><td>02/11/19</td><td>2409641903906895205793</td><td>HLUHulu 95679138539-U HULU.COM/BILLCA</td><td>7.99</td></tr></tbody></table>

<table border="1"><tr><td>Description</td><td>Amount</td></tr><tr><td>INTEREST CHARGE-PURCHASES</td><td>$51.95</td></tr><tr><td>TOTAL INTEREST</td><td>$51.95</td></tr></table>

Navy Federal Credit Union

SP 001

EFTA00124748

<table border="1"><tr><td colspan="2">2019 TOTALS YEAR-TO-DATE</td></tr><tr><td>Total Fees charged in 2019</td><td>$0.00</td></tr><tr><td>Total Interest charged in 2019</td><td>$97.12</td></tr></table>



INTEREST CHARGE CALCULATION


<table border="1"><tr><td>Type of Balance</td><td>Annual Percentage Rate(APR)</td><td>Balance Subject to Interest Rate</td><td>Interest Charge</td></tr><tr><td>Purchases</td><td>11.90%(v)</td><td>$5,237.91</td><td>$51.95</td></tr><tr><td>Cash Advances</td><td>13.90%(v)</td><td>$0.00</td><td>$0.00</td></tr><tr><td>Bal Trf/Conw Chk*</td><td>11.90%(v)</td><td>$0.00</td><td>$0.00</td></tr><tr><td colspan="4">(v)=Variable Rate</td></tr></table>

- Bal Trtf/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.



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.

Learn more: navyfederal.org/myBT Insured by NCUA.

Navy Federal Credit Union

SP 001

EFTA00124749



<table border="1"><tr><td>MINIMUM PAYMENT DUE</td><td>PAST DUE PAYMENT</td><td>PAYMENT DUE DATE</td><td>NEW BALANCE</td><td colspan="2">ACCOUNT NUMBER</td><td>AMOUNT ENCLOSED</td></tr><tr><td>20.00</td><td>0.00</td><td>04/08/2019</td><td>887.50</td><td>xxxx xxxx xxxx</td><td></td><td>$.</td></tr></table>

PLEASE MAKE CHECK PAYABLE AND MAIL TO:

PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE.

NAVY FEDERAL

P. O. BOX 3500



MERRIFIELD VA 22119-3500



** 0048333**





0088750500020008406095688774150440609568877415043




<table border="1"><tr><td colspan="2">SUMMARY OF ACCOUNT ACTIVITY</td></tr><tr><td>Previous Balance</td><td>$4,083.99</td></tr><tr><td>Payments</td><td>-$4,125.28</td></tr><tr><td>Other Credits</td><td>-$175.41</td></tr><tr><td>Purchases</td><td>+$1,104.20</td></tr><tr><td>Cash Advances</td><td>+$0.00</td></tr><tr><td>Fees Charged</td><td>+$0.00</td></tr><tr><td>Interest Charged</td><td>+$0.00</td></tr><tr><td>New Balance</td><td>$887.50</td></tr><tr><td>Past Due Amount</td><td>$0.00</td></tr><tr><td>Credit Limit</td><td>$6,500.00</td></tr><tr><td>Available Credit</td><td>$5,612.50</td></tr><tr><td>Cash Limit</td><td>$3,250.00</td></tr><tr><td>Available Cash</td><td>$3,250.00</td></tr><tr><td>Statement Closing Date</td><td>03/11/2019</td></tr><tr><td>Days in Billing Cycle</td><td>28</td></tr></table>



PAYMENT INFORMATION


<table border="1"><tr><td>New Balance</td><td>$887.50</td></tr><tr><td>Minimum Payment Due</td><td>$20.00</td></tr><tr><td>Payment Due Date</td><td>04/08/2019</td></tr><tr><td>Late Payment Warning:</td><td>If we do not receive your minimum payment by the date listed above, you may have to pay a $20.00 late fee and your APRs may be increased up to the Penalty APR of 18.00%</td></tr><tr><td>Minimum Payment Warning:</td><td>If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example:</td></tr></table>

<table border="1"><tr><td>If you make no additional charges using this card and each month you pay...</td><td>You will pay off the balance shown on this statement in about...</td><td>And you will end up paying an estimated total of...</td></tr><tr><td>Only the minimum payment</td><td>5 years</td><td>$1,175</td></tr><tr><td>$29</td><td>3 years</td><td>$1,044(Savings=$131)</td></tr></table>

## QUESTIONS

<table><tr><td>Credit Card Services</td></tr><tr><td>1-888-842-6328</td></tr></table>

# Send Billing Inquiries To:

Navy Federal Credit Union

P.O. Box 3501

Merrifield VA 22119-3501

# Send Payments To:

Navy Federal

P.O. Box 3500

Merrifield VA 22119-3500

To view your account online visit navyfederal.org.

If you would like information about credit counseling services, go to https://www.justice.gov/ustlist-credit-counseling-agencies-approved-pursuant-11-usc-111 or call 1-888-503-7106.



IMPORTANT NOTICES


*INFORMATION REGARDING YOUR MINIMUM PAYMENT DUE* - YOUR MINIMUM PAYMENT DUE IS 2% OF YOUR STATEMENT BALANCE OR $20 (WHICHEVER IS GREATER), PLUS ANY PAST DUE AMOUNT. YOU MUST PAY THIS AMOUNT TO KEEP YOUR ACCOUNT IN GOOD STANDING.

<table border="1"><tr><td colspan="7">REWARDS SUMMARY</td></tr><tr><td>Start Balance</td><td>Earned</td><td>Bonus</td><td>Redeemed</td><td>Adjusted</td><td>Purged</td><td>End Balance</td></tr><tr><td>$163.93</td><td>$16.53</td><td>$0.00</td><td>$175.41</td><td>$0.00</td><td>$0.00</td><td>$5.05</td></tr><tr><td colspan="7">Redemptions are not permitted on closed or delinquent accounts.</td></tr></table>

## TRANSACTIONS

<table><thead><tr><th>Trans Date</th><th>Post Date</th><th>Reference No.</th><th>Description</th><th>Submitted By</th><th>Amount</th></tr></thead><tbody><tr><td>02/19/19</td><td>02/19/19</td><td>74060959050064440210007</td><td>NFO PAYMENT RECEIVED</td><td>xxxx xxxx xxxx</td><td>$1,000.00</td></tr><tr><td>02/19/19</td><td>02/19/19</td><td>74060959050063540210008</td><td>NFO PAYMENT RECEIVED</td><td>xxxx xxxx xxxx</td><td>$3,125.28</td></tr><tr><td>03/06/19</td><td>03/07/19</td><td>74060959066423820198319</td><td>CASH REWARDS</td><td>xxxx xxxx xxxx</td><td>$175.41</td></tr><tr><td></td><td></td><td></td><td>TOTAL PAYMENTS AND CREDITS</td><td></td><td>$4,300.69</td></tr></tbody></table>

Navy Federal Credit Union

SP 001