EFTA00124777



Visa Signature®
GO REWARDS®


<table><thead><tr><th>MINIMUM PAYMENT DUE</th><th>PAST DUE PAYMENT</th><th>PAYMENT DUE DATE</th><th>NEW BALANCE</th><th>ACCOUNT NUMBER</th><th>AMOUNT ENCLOSED</th></tr></thead><tbody><tr><td>0.00</td><td>0.00</td><td>02/28/2019</td><td>0.00</td><td>xxxx xxxx xxxx</td><td>$ .</td></tr></tbody></table>

PLEASE MAKE CHECK PAYABLE AND MAIL TO:

PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE.

NAVY FEDERAL

P. O. BOX 3500



** 0020757**



MERRIFIELD VA 22119-3500





000000000000000406095590715749340609559071574938


<table border="1"><tr><td colspan="2">SUMMARY OF ACCOUNT ACTIVITY</td></tr><tr><td>Previous Balance</td><td>$105.32</td></tr><tr><td>Payments</td><td>-$105.32</td></tr><tr><td>Other Credits</td><td>-$0.00</td></tr><tr><td>Purchases</td><td>+$0.00</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>$0.00</td></tr><tr><td>Past Due Amount</td><td>$0.00</td></tr><tr><td>Credit Limit</td><td>$24,500.00</td></tr><tr><td>Available Credit</td><td>$24,500.00</td></tr><tr><td>Cash Limit</td><td>$12,250.00</td></tr><tr><td>Available Cash</td><td>$12,250.00</td></tr><tr><td>Statement Closing Date</td><td>02/03/2019</td></tr><tr><td>Days in Billing Cycle</td><td>31</td></tr></table>



PAYMENT INFORMATION


<table border="1"><tr><td>New Balance</td><td>$0.00</td></tr><tr><td>Minimum Payment Due</td><td>NONE</td></tr><tr><td>Payment Due Date</td><td>02/28/2019</td></tr><tr><td colspan="2">Late Payment Warning: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 colspan="2">Minimum Payment Warning:If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance.</td></tr></table>



Visa Signature®

GO REWARDS®

Page 1 of 4



## 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.

*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">REWARD POINT SUMMARY</td></tr><tr><td>Start Balance</td><td>Earned</td><td>Bonus</td><td>Redeemed</td><td>Adjusted</td><td>Expired/Purged</td><td>End Balance</td></tr><tr><td>3,418</td><td>0</td><td>0</td><td>0</td><td>0</td><td>0</td><td>3,418</td></tr><tr><td colspan="7">Redemptions are not permitted on closed or delinquent accounts.</td></tr></table>

<table border="1"><tr><td colspan="3">Rewards Details</td></tr><tr><td>Rewards for Feb 2019</td><td>Qualified Spend</td><td>Rewards Points</td></tr><tr><td>Restaurants</td><td>$0.00 @ 3x</td><td>0</td></tr><tr><td>Gas Stations</td><td>$0.00 @ 2x</td><td>0</td></tr><tr><td>Other Eligible Purchases</td><td>$0.00</td><td>0</td></tr><tr><td>Total This Period</td><td>$0.00</td><td>0</td></tr><tr><td>Total Reward Year to Date</td><td>$307.74</td><td>307</td></tr></table>

Navy Federal Credit Union

SP 001