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<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>50.00</td><td>0.00</td><td>03/14/2019</td><td>2,490.83</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

MERRIFIELD VA 22119-3500



0249083700050005406095583209293040609558320929302




go Rewards Visa


<table border="1"><tr><td colspan="2">SUMMARY OF ACCOUNT ACTIVITY</td></tr><tr><td>Previous Balance</td><td>$2,529.12</td></tr><tr><td>Payments</td><td>-$102.00</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>+$26.75</td></tr><tr><td>Interest Charged</td><td>+$36.96</td></tr><tr><td>New Balance</td><td>$2,490.83</td></tr><tr><td>Past Due Amount</td><td>$0.00</td></tr><tr><td>Credit Limit</td><td>$2,500.00</td></tr><tr><td>Available Credit</td><td>$9.17</td></tr><tr><td>Cash Limit</td><td>$1,250.00</td></tr><tr><td>Available Cash</td><td>$9.17</td></tr><tr><td>Statement Closing Date</td><td>02/17/2019</td></tr><tr><td>Days in Billing Cycle</td><td>31</td></tr></table>



PAYMENT INFORMATION


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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%.

**Minimum Payment Warning:** If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example:

<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>22 years</td><td>$7,557</td></tr><tr><td>$90</td><td>3 years</td><td>$3,240(Savings=$4,317)</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



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">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>2,880</td><td>0</td><td>0</td><td>0</td><td>0</td><td>0</td><td>2,880</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>$0.00</td><td>0</td></tr></table>

Navy Federal Credit Union

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CREDIT CARD CHANGE OF ADDRESS

<table border="1"><tr><td colspan="2">NFCU ACCOUNT NO.</td><td colspan="2">VISA ACCOUNT NO.</td></tr><tr><td>RANK/RATE</td><td>NAME(FIRST)</td><td>MI</td><td>LAST</td><td>SUFFIX)</td></tr><tr><td colspan="5">NEW ADDRESS</td></tr><tr><td>CITY</td><td colspan="3">STATE</td><td>ZIP CODE</td></tr><tr><td colspan="5">APPLICANT OR CO-APPLICANT SIGNATURE</td></tr><tr><td rowspan="2" colspan="2">THIS ADDRESS CHANGE IS APPLICABLE TO:☐ VISA ONLY☐ ALL APPLICANT&#x27;S NFCU ACCOUNTS☐ JOINT OWNER(S)-IF NFCU SAVINGS IS A JOINT ACCOUNT</td><td colspan="2">HOME TELEPHONE( )</td></tr><tr><td colspan="2">WORK TELEPHONE( )</td></tr></table>

# Information About Your Visa® Account



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## Important Telephone Numbers For Navy Federal® Credit Card Services

<table><tr><td>For Credit Card Services and Lost Cards, call toll-free</td><td>1-888-842-6328</td></tr><tr><td>Collect internationally</td><td>1-703-255-8837</td></tr><tr><td>For toll free numbers when overseas.</td><td>navyfederal.org/overseas/</td></tr><tr><td>Emergency Assistance</td><td>1-800-VISA-911</td></tr><tr><td>Emergency Assistance (from overseas, call collect)</td><td>1-410-581-9994</td></tr></table>

Variable Rate Information: Your Standard APR will vary based on the U.S. Prime Rate. This means your APR could increase if the U.S. Prime Rate increases or decrease if the U.S. Prime Rate decreases. An increase or decrease in your APR will affect the total amount of interest you pay. Your APR is adjusted monthly on the first business day of the month; it is determined by adding a Margin to the U.S. Prime Rate published in the Wall Street Journal on the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation of your credit history.

**Payments:** Payments may be made by mail, electronic transfer, or at a branch in person. All payments must be made in U.S. dollars. Payments you mail must be addressed to Navy Federal, P.O. Box 3500, Merrifield, VA 22119-3500. Payments we receive by mail at this address by 5:00 pm ET will be credited the same day. In some cases, available credit may be delayed until the payment is verified. Mailed payments to your credit card account may not be commingled with funds designated for credit to other Navy Federal accounts. We will accept late or partial payments without forfeiting any of Navy Federal's rights under this Agreement. Payments that are marked "paid in full" and that are of an amount less than the balance on the credit card account, or that are marked with any other restrictive endorsements, should be sent to P.O. Box 3501, Merrifield, VA 22119, Attn. Credit Card Division.

Transactions Made in Foreign Currency: All Visa purchases and cash advances will be billed to you in U.S. dollars. The rate of exchange used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date.

**Paying Interest:** Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers, and convenience checks on the transaction date.

**ATM Cash Advance Fees: None** if performed at a Navy Federal branch or ATM.

Otherwise $0.50 per domestic transaction or $1.00 per overseas transaction. If you use your card at an ATM not operated by Navy Federal, you may be charged an ATM fee by the owner of the ATM.

How We Determine The Amount Of Interest Charges: Navy Federal calculates interest charges on your account by applying the periodic rate to the average daily balance of your account, including current transactions. To get the average daily balance, we take the beginning balance of your account each day, add new purchases and cash advances, and subtract any payments, credits, and unpaid interest charges to give us the daily balance. Then, we add up all of the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the average daily balance. You can find your "average daily balance" for each billing cycle in the "Balance Subject to Interest Rate" column of your statement.

**Payment Allocation:** In general, we will apply your minimum payment to the overlimit amount (if any), interest, and fees first before applying it to principal balances. If your account has balances with different APRs, we will apply the minimum payment first to the balance with the lowest APR before balances with higher APRs. Any payment amount in excess of the minimum payment will be allocated to the balance with the highest APR and any remaining portion to the other balances in descending order based on APR.

© 2017 Navy Federal NFCU 577V (12-17)

## Billing Rights Summary

What to Do If You Think You Find a Mistake on Your Statement

If you think there is an error on your statement, write to us at:

Navy Federal Credit Union

P. O. Box 3501

Merrifield, VA 22119

You may also contact us electronically through Online Banking at navyfederal.org.

In your letter, give us the following information:

- Account information: Your name and account number

- Dollar amount: The dollar amount of the suspected error

- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement.

You must notify us of any potential errors in writing or electronically. You may call us, but if you do, we are not required to investigate any potential errors, and you may have to pay the amount in question.

While we investigate whether or not there has been an error, the following are true:

- We cannot try to collect the amount in question or report you as delinquent on that amount.

- The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.

- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.

- We can apply any unpaid amount against your credit limit.

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.

(Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)

2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at:

Navy Federal Credit Union

P. O. Box 3501

Merrifield, VA 22119

You may also contact us electronically through Online Banking at navyfederal.org.

While we investigate, the same rules apply to the disputed amount as discussed above.

After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

Navy Federal Credit Union

SP 001

EFTA00124827



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## 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>01/29/19</td><td>01/29/19</td><td>74060959029090620501624</td><td>PAYMENT RECEIVED</td><td>xxxx xxxx xxxx</td><td>$51.00</td></tr><tr><td>01/29/19</td><td>01/29/19</td><td>74060959029091610291622</td><td>PAYMENT RECEIVED</td><td>xxxx xxxx xxxx</td><td>$51.00</td></tr></tbody></table>

## TRANSACTIONS

<table border="1"><tr><td>Trans Date</td><td>Post Date</td><td>Reference No.</td><td>Description</td><td>Amount</td></tr><tr><td>01/28/19</td><td>01/28/19</td><td></td><td>LATE PAYMENT FEE</td><td>$20.00</td></tr><tr><td>02/15/19</td><td>02/15/19</td><td></td><td>PMT PROTECTION PLAN PRIMARY LIFE/DIS/IU</td><td>$6.75</td></tr><tr><td></td><td></td><td></td><td>TOTAL FEES</td><td>$26.75</td></tr></table>



INTEREST CHARGED


<table><thead><tr><th>Description</th><th>Amount</th></tr></thead><tbody><tr><td>INTEREST CHARGE-PURCHASES</td><td>$36.96</td></tr><tr><td>TOTAL INTEREST</td><td>$36.96</td></tr></tbody></table>

## 2019 TOTALS YEAR-TO-DATE

Total Fees charged in 2019

Total Interest charged in 2019



INTEREST CHARGE CALCULATION


<table border="1"><tr><td colspan="4">Your Annual Percentage Rate(APR)是 annual interest rate on your account.</td></tr><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>18.00%(v)</td><td>$2,463.61</td><td>$36.96</td></tr><tr><td>Cash Advances</td><td>18.00%(v)</td><td>$0.00</td><td>$0.00</td></tr><tr><td>Bal Trf/Conw Chk*</td><td>18.00%(v)</td><td>$0.00</td><td>$0.00</td></tr><tr><td>(v)=Variable Rate</td><td></td><td></td><td></td></tr></table>

- 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.



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

EFTA00124828

Navy Federal Credit Union

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