EFTA00133624

FD-302 (Rev. 5-8-10) 
90A-NY-3151227-GJ Serial 10 
-1 of 1 - 
FEDERAL BUREAU OF INVESTIGATION 
Date of entry 
 
12/09/2039
Pursuant to a Federal Grand Jury subpoena served by the Southern District 
of New York, Municipal Credit Union provided the attached response, dated 
September 4, 2019. 
Investigation on 09/04/2019 at New York, New York, United States 
Other (Unknown)) 
File# 90A—NY-3151227—GJ 
Date drafted 12/06/2019 
by 
This document contains neither recommendations nor conclusions of the FBI. It is the moµ" ty of the FBI and is loaned to your agency; it and its contents arc not 
to be distributed outside your agency. 
EFTA00133624

MC 
MUNICIPAL CREDIT UNION U
P O Box 3205 CSS 
New York, NY 10007 
Tel: (212) 893-4900 
Fax: (212) 238-2700/2701 
State of New York ) 
) s.s: 
County of New York ) 
BUSINESS RECORD CERTIFICATION 
(Pursuant to C.P.L.R. 3122-a) 
SSNI. Our Reference: SUB9316-DJ, 
Danielle Jones, being duly sworn, deposes and says: 
1. 
I am a duly authorized custodian of the attached records and am authorized to make the 
within certification of behalf of Municipal Credit Union. 
2. 
To the best of my knowledge, after reasonable inquiry, the records or copies thereof are 
accurate versions of the documents described in the subpoena duces tecum (a copy of 
which I annexed hereto) that are in the possession, custody, or control of Municipal 
Credit Union, the recipient of the subpoena. 
3. 
To the best of my knowledge, after reasonable inquiry, the records and copies produced: 
K represent all the documents described in the subpoena duces tecum 
(or) 
▪ 
do not represent a complete set of the documents described in the subpoena duces 
tecum. The missing documents, and the reason for their absence, are as follows: 
Description of Missing Document 
Reason for Absence 
Checks 
Not Applicable 
Credit Cards Statements 
Not Applicable 
These records do not contain Suspicious Activity Reports or Currency Transaction 
Reports. Municipal Credit Union's BSA Department will respond directly to any request 
for Suspicious Activity Reports or Currency Transaction Reports. 
4. 
The records and copies produced were made by personnel or staff of Municipal Credit 
Union, or persons acting under their control, in the regular course of business, at the time 
of the act, transaction, occurrence or event recorded therein, or within a reasonable time 
thereafter, and that it was in the regular course of Municipal Credit Union's business to 
make or maintain these records. 
State of New York 
County of NY 
S om to before me this 1-1 
day of 
/00PtuA;CA
N -- 
9 
Signature/Date G 
2019 
PATRICIA GONZALEZ 
Notary Pub 
w York 
No. 
Qualified in ueens ounty 
Term Expires April 12, 2022 
EFTA00133625

Inc 
MUNICIPAL CREDIT UNION UP O Box 
3205 
CBS 
New York, NY 10007 
Tel: (212) 
693-4900 
Fax: (212) 
238.2700/2701 
BUSINESS RECORD CERTIFICATION 
(Pursuant to C.P.L.R. 3122-a) 
State of New York ) 
) s.s: Toys Noel SSN.
 Our Reference: SUB9316-DJ, 
County of New York ) 
Danielle Jones, being duly sworn, deposes and says: 
1. 
I am a duly authorized custodian of the attached records and am authorized to make the 
within certification of behalf of Municipal Credit Union. 
2. 
To the best of my knowledge, after reasonable inquiry, the records or copies thereof are 
accurate versions of the documents described in the subpoena duces tecum (a copy of 
which I annexed hereto) that are in the possession, custody, or control of Municipal 
Credit Union, the recipient of the subpoena. 
3. 
To the best of my knowledge, after reasonable inquiry, the records and copies produced: 
o 
represent all the documents described in the subpoena duces tecum 
(or) 
• do not represent a complete set of the documents described in the subpoena duces 
tecum. The missing documents, and the reason for their absence, are as follows: 
Description of Missing Document 
Reason for Absence 
Checks 
Not Applicable 
Credit Cards Statements 
Not Applicable 
These records do not contain Suspicious Activity Reports or Currency Transaction 
Reports. Municipal Credit Union's BSA Department will respond directly to any request 
for Suspicious Activity Reports or Currency Transaction Reports. 
4. 
The records and copies produced were made by personnel or staff of Municipal Credit 
Union, or persons acting under their control, in the regular course of business, at the time 
of the act, transaction, occurrence or event recorded therein, or within a reasonable time 
thereafter, and that it was in the regular course of Municipal Credit Union's business to 
make or maintain these records. 
State of New York 
County of NY 
sw r m r before me this  q 
day of 
019 
PATRICIA GONZALEZ 
Notary Pu lie State of New York 
No. 
Qualified in Queens County 
Term Expires April 12, 2022 
EFTA00133626

Inc 
MUNICIPAL. CRFDIT UNION U
- 
P O Box 3205 CSS 
New York, NY 10007 
Tel: (212) 693-4900 
Fax: (212) 238-2700/2701 
BUSINESS RECORD CERTIFICATION 
(Pursuant to C.P.L.R. 3122-a) 
State of New York ) 
) s.s: SSN. 
Our Reference: SUB9316-DJ, 
County of New York ) 
Danielle Jones, being duly sworn, deposes and says: 
1. 
I am a duly authorized custodian of the attached records and am authorized to make the 
within certification of behalf of Municipal Credit Union. 
2. 
To the best of my knowledge, after reasonable inquiry, the records or copies thereof are 
accurate versions of the documents described in the subpoena duces tecum (a copy of 
which I annexed hereto) that are in the possession, custody, or control of Municipal 
Credit Union, the recipient of the subpoena. 
3. 
To the best of my knowledge, after reasonable inquiry, the records and copies produced: 
0 represent all the documents described in the subpoena duces tecum 
(or) 
• 
do not represent a complete set of the documents described in the subpoena duces 
tecum. The missing documents, and the reason for their absence, are as follows: 
Description of Missing Document 
Reason for Absence 
Checks 
Not Applicable 
Credit Cards Statements 
Not Applicable 
These records do not contain Suspicious Activity Reports or Currency Transaction 
Reports. Municipal Credit Union's BSA Department will respond directly to any request 
for Suspicious Activity Reports or Currency Transaction Reports. 
4. 
The records and copies produced were made by personnel or staff of Municipal Credit 
Union, or persons acting under their control, in the regular course of business, at the time 
of the act, transaction, occurrence or event recorded therein, or within a reasonable time 
thereafter, and that it was in the regular course of Municipal Credit Union's business to 
make or maintain these records. 
Y/19
Signature/Date 
/ 
State of New York 
County of NY 
Swgm to befoke me this  1 
 day of 
,2019 
PATRICIA GONZALEZ 
Notary Pu ' 
York 
No. 
o.
in ueen 
nty 
Term Expires April 12, 2022 
EFTA00133627

Inc 
MUNICIPAL CREDIT UNION 
U 
Ul 
P O Box 3205 CSS 
New York, NY 10007 
Tel: (212)893.4900 
Fax: (212) 238-2700/2701 
BUSINESS RECORD CERTIFICATION 
(Pursuant to C.P.L.R. 3122-a) 
State of New York ) 
) ss: 
SSNM)ur Reference; SUB9316-DJ, 
County of New York ) 
Danielle Jones, being duly sworn, deposes and says: 
1. 
I am a duly authorized custodian of the attached records and am authorized to make the 
within certification of behalf of Municipal Credit Union. 
2. 
To the best of my knowledge, after reasonable inquiry, the records or copies thereof are 
accurate versions of the documents described in the subpoena duces tecum (a copy of 
which I annexed hereto) that are in the poccescion, custody, or control of Municipal 
Credit Union, the recipient of the subpoena. 
3. 
To the best of my knowledge, after reasonable inquiry, the records and copies produced: 
El represent all the documents described in the subpoena duces tecum 
(or) 
• 
do not represent a complete set of the documents described in the subpoena duces 
tecum. The missing documents, and the reason for their absence, are as follows: 
Description of Missing Document 
Reason for Absence 
Checks 
Not Applicable 
Credit Cards Statements 
Not Applicable 
These records do not contain Suspicious Activity Reports or Currency Transaction 
Reports. Municipal Credit Union's BSA Department will respond directly to any request 
for Suspicious Activity Reports or Currency Transaction Reports. 
4. 
The records and copies produced were made by personnel or staff of Municipal Credit 
Union, or persons acting under their control, in the regular course of business, at the time 
of the act, transaction, occurrence or event recorded therein, or within a reasonable time 
thereafter, and that it was in the regular course of Municipal Credit Union's business to 
make or maintain these records. 
919119
Signature/Date 
State of New York 
County of NY 
,
sw cm to before me this 1 
day of 54 ,2019 
PATRICIA GONZALEZ 
Notary Public State of New York 
No. 
0ualibecm
i
l lI MPIty 
Term Expires April 12, 2022 
EFTA00133628

Inc 
MUNICIPAL CRFOIT UNION U 
P O Box 3205 CSS 
New York, NY 10007 
Tel: (212) 693-4900 
Fax: (212) 238-2700/2701 
BUSINESS RECORD CERTIFICATION 
(Pursuant to C.P.L.R. 3122-a) 
State of New York ) 
) s.s: Tova Noel SSNMOur Reference: SUB9316-DJ, 
County of New York ) 
Danielle Jones, being duly sworn, deposes and says: 
1. 
I am a duly authorized custodian of the attached records and am authorized to make the 
within certification of behalf of Municipal Credit Union. 
2. 
To the best of my knowledge, after reasonable inquiry, the records or copies thereof are 
accurate versions of the documents described in the subpoena duces tecum (a copy of 
which I annexed hereto) that are in the possession, custody, or control of Municipal 
Credit Union, the recipient of the subpoena. 
3. 
To the best of my knowledge, after reasonable inquiry, the records and copies produced: 
ID represent all the documents described in the subpoena duces tecum 
(or) 
do not represent a complete set of the documents described in the subpoena duces 
tecum. The missing documents, and the reason for their absence, arc as follows: 
Description of Missing Document 
Reason for Absence 
Checks 
Not Applicable 
Credit Cards Statements 
Not Applicable 
These records do not contain Suspicious Activity Reports or Currency Transaction 
Reports. Municipal Credit Union's BSA Department will respond directly to any request 
for Suspicious Activity Reports or Currency Transaction Reports. 
4. 
The records and copies produced were made by personnel or staff of Municipal Credit 
Union, or persons acting wider their control, in the regular course of business, at the time 
of the act, transaction, occurrence or event recorded therein, or within a reasonable time 
thereafter, and that it was in the regular course of Municipal Credit Union's business to 
make or maintain these records. 
State of New York 
County of NY 
Sworn t1 before me this  q day of 
P 
LI 
2019 
PATRICIA GONZALEZ 
Notary Pu ' 
tate of New York 
No. 
Oualifi 
ty 
Term Explres April 12, 2022 
EFTA00133629

r~ncu 
MUNICIPAL CREDIT UNION 
Municipal Credit Union 
Brookl n Branch 
Brooklyn NY 11201 
Inquiries Call: 
212-693-4900 
Acct 
WASHINGTON, CLYDE 
Eff: 07/05/19 
Date: 07/05/19 
Tlr: 0215 
Time: 9:39am 
Doe Number: 
20592105 
Withdrwl from PASTRAMI CHECKING 02 
Amount: 
5.00 
New Bel: 
652.96 
Seq: 
1200096 
Deposit to PRIMARY SHARE 01 
Amount: 
5.00 
New Bel: 
6.00 
Seq: 
1200097 
Xyl.zt7-\
Authorized by 
ID Source: 
X Dry Liz 
SigCard 
Known 
Other 
Authenticated 
EFTA00133630

C 
MUNICIPAL CREDIT UNION 
Municipal Credit Union 
Oceanside Branch 
3411 Long Beach Road 
Oceanside NY 11572 
Acct 
WASHINGTON, CLYDE 
Eft: 07/22/19 
Date: 07/22/19 
Tlr: 4015 
Time: 3:10pm 
Doc Number: 
20662191 
Deposit to PRIMARY SHARE 01 
Amount: 
7,912.53 
New Bal: 
8,413.53 
Seq: 
1427644 
Amt Available On 07/23/19 
5,000.00 
Amt Available On 07/30/19 
due to Large Deposit 
2,912.53 
Check Received 
5,731.58 
Check Received 
2,180.95 
EFTA00133631

MC 
MUNICIPAL CREDIT UNION 
Ul
PO Box 3205 
Church Street Station 
.. New York, NY 10007 
(212) 6934900 
ACCOUNT SIGNATURE CARD 
Account Number: 
Please tell us about yourself 
Basis for Membership: Employee of the CI 
X Verification Issued By: NY 
Amends Existing Information 
Gender: Male 
x Female Mc 
 Nocl 
 
_Tina 
A
Last Name 
First Name 
Middle Initial 
Suffix 
3650 
Date of Birth 
Social Security Number 
Mother's Maiden Name 
Phone Center ID 
Home Phone 
(WIt0CX'YYYY) 
(mothers lasl name before marriage) 
(4-digits required) 
Number 
BRONX 
NY 
10456-3118 
House 
N
Street Name 
Street 
NS 
APT/ 
APT! 
City 
ST 
Zip Code 
EW 
Type 
EW 
FL 
Flit 
MAILING ADDRESS (where to direct mail other than the home address) 
If adding a PO BOX address, check here 
House # 
NS 
Street Name 
Street 
NS 
APT/ 
APT/ 
City 
ST 
Zip Code 
EW 
Type 
EW 
BOX 
BOX# 
STUDENT 
Employer Name 
Job. Tide 
U.S.  Person 
USA 
elliKlabile Phone Number 
Citizenship 
State Drivers License 
Student 
Seg. Group 
Work 
1.000.00 
 
2 
 0 
Gross Income/Month 
Cash Deposit Amt/Month 
#Incoming Wires/Month 
ID 1 Type 
ID 1 Number 
School identification 
Re-Type Email Address (for verification) 
NYS 
07/27/20 
ID 1 Description 
ID 1 Expiration Date 
CUNY 
08i31/17 
ID 2 Type 
ID 2 Number 
ID 2 Description 
ID 2 Expiration Date 
Joint Account Holder 
Check if address same as Primary 
Verification Issued By: 
Amends Existing Information 
Gender: Male 
Female 
Add Joint Account Holder 
Last Name 
First Name 
Middle Initial 
Suffix 
Date of Birth 
Social Security Number 
Mother's Maiden Name 
Phone Center ID 
Home Phone Number 
(MAVD0MYYY) 
(mothers last name before marriage) 
(4-digits required) 
House # 
NS 
Street Name 
Street 
NS 
APT! 
APT/ 
City 
ST 
Zip Code 
EW 
Type 
EW 
FL 
FL# 
Employer Name 
Job Title 
Seg. Group 
Work # 
Relationship to Primary Member 
Cell/Motile Phone Number 
Citizenship 
Gross Income/Month 
Cash Deposit Amt/Month 
Ifincoming WireslMonth 
Email Address 
Re-Type Email Address (for verification) 
ID 1 Type 
ID 1 Number 
ID 1 Description 
ID 1 Expiration Date 
ID 2 Type 
ID 2 Number 
ID 2 Description 
ID 2 Expiration Date 
EFTA00133632

MC 
MUNICIPAL CREDIT UNION U
U 
PO Box 3205 
Church Street Station 
New York, NY 10007 
(212) 6934900 
ACCOUNT SIGNATURE CARD 
Beneficiary Information (optional) 
Check if address same as Primary 
Last Name 
Date of Birth 
First Name 
Social Security Number 
House # 
NS 
Street Name 
EW 
Middle Initial 
Suffix 
Relationship to Primary Member 
Home Phone Number 
Street 
NS 
APT! 
APT! 
City 
ST 
Lp Code 
Type 
EW 
FL 
FL# 
Beneficiary Information (optional) Check if address same as Primary 
Last Name 
First Name 
Date of Birth 
Social Security Number 
House it 
NS 
Street Name 
EW 
X Shares 
Money Market 
Middle Initial 
Suffix 
Relationship to Primary Member 
Home Phone Number 
Street 
NS 
APT! 
Type 
EW 
FL 
X Accounts/Services To OPEN: 
X FasTrack checking 
X Touch Tone Teller 
APT! 
City 
ST 
Zip Code 
FL# 
Accounts/Services To RE-OPEN 
X Instant ATM/Check Card 
Alternative Checking 
E-Statement 
x MCU OnLine Banking 
Young Executive 
Convert Young Executive/EasySave Account 
WRG Temporary Password 
X Order Checks 
Mailed ATM/Check Card 
I hereby apply for membership and subscribe for at least one share (55.00) in the Municipal Credit Union and agree to conform to its ByLaws and 
amendments thereof. I agree to be governed by the Account Agreement, Rules and Regulations and Schedule of Dividends. Service Charges and Fees of 
the Municipal Credit Union applicable to Share. FasTrack Checking. Vacation, Holiday and Money Market accounts as now in effect and as from time to 
time amended. I agree to be bound by the terms and conditions of the MCU Cash Connection, MCU ATM/Check Card. MCU OnLine Banking. and Touch 
Tone Teller Agreements (which will be later mailecVprovided to me), upon my first use of such servioe(s). 
I understand that the designations made on this signature card/form will apply to all MCU deposit accounts which are or will be in the future maintained 
under the same root account number (except IRA, Youth Club, and Share Certificate accounts), and will have the effect of revoking all previous 
designations made with regard to such accounts. 
If a joint tenant has been designated on this signature card, it is agreed that these accounts be payable to either of us and upon the death of one of us. to 
the survivor. Also, it is agreed that any joint tenant may. without the consent of or notice to the other, pledge all or any part of the shares in these accounts 
as collateral security for a loan with MCU. If a beneficiary (beneficiaries) has (or have) been designated on this signature card, it is agreed that this is a 
voluntary and revocable trust, and that upon my/our death, the funds in these accounts, and all other deposit accounts maintained under the same root 
account number (except IRA, Youth Club, and Share Certificate accounts). will become the property of the named beneficiary or beneficiaries who are alive 
at the time of my/our death in equal proportions. If both a joint tenant and a beneficiary (or beneficiaries) have been designated on this signature card, it is 
agreed that the beneficiary(Ies) will only acquire an interest in these accounts upon the death of the last surviving joint tenant. 
By signing below. VWe authorize Municipal Credit Union to perform a credit investigation including the verification of the information on this application. 
Verification of income and employment may also be required. 
Under penalties of perjury, I certify (1) that the number shown on this form is my correct taxpayer identification number; and (2) that I am not 
subject to backup withholding either because I have not been notified that I am subject to backup withholding as a result of failure to report all 
Interest or dividends, or because the Internal Revenue Service has notified me that I am no longer subject to backup withholding; and (3) I am a 
U.S. citizen (including a U.S. resident alien). The Internal Revenue Service does not require your consent to any provision of this document other 
than the certification required to avoid backup withholding. 
09,2316 
Date 
Joint Account Holder Signature 
Date 
Yes, I elect to accept the Check Imaging option and agree to pay the associated service charge. 
If Joint Account Holder requests an MCU ATM/Chedc Card, check this box. 
Coop City Branch 
KHADIJAH IBRAHIM 
Sponsor Account Number 
Branch Name 
Member Service Representative 
EFTA00133633

MC U
Strong 
Trusted 
mc= 
Growing 
PO EA:%32ni, NEW YOLK, to( 10c.s7-32cc, 
Unita3,490DCAO3DC0323-67I3 iY;sTita 
• 0301366 000178474 0MCU0A 0630100 P3 
MS TOVA A NOEL 
Your Account Summary 
Deposits 
Balance 
Primary Share 
$ 
0.00 
Checking 
1,222.77 
TOTAL DEPOSITS 
1,222.77 
Loans 
Balance 
Personal 
4.920.92 
TOTAL LOANS 
4,920.92 
Account Number: 
Statement Period: 
04/01/19 - 04/30/19 
Page 1 of 3 
MCU News & Promotions 
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BE REWARDING. 
— 
MCU TRUE Rewards VISA* Card 
MCI I 
learn more at 
ommaca=c 
nymcu.orgItruerewards 
Monitor balances, 
transactions and 
account activity 
through 
NYMCU®
Online Banking. 
Login and 
select alerts. 
O I= 
•• 
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Account 
Alerts 
(C($
))) 
PRIMARY SHARE 
S 01 
Date 
Transaction 
Apr 01 
Previous Balance 
Apr 30 
New Balance 
Withdrawals 
Deposits 
Balance 
0.00 
0.00 
FASTRACK CHECKING 
S 02 
Date 
Transaction 
 
Withdrawals 
 Deposits 
Balance 
Apr 01 
Previous Balance 
198.62 
Apr 02 
Withdrawal - ACH - PROG ADVANCED 
-147.16 
EFTA00133634

0301366 000178474 0MCU0A 0630100 
MCU Account # 
Statement Period: 04/01/19 - 04/30/19 
Page 2 of 3 
FASTRACK CHECKING 
(continued) 
S 02 
Date 
Transaction 
Withdrawals 
Deposits 
Balance 
TYPE. INS PREhl ID. 9409348070 
CO. PROG ADVANCED 
Apr 05 
Deposit - ACH - AGRI TREAS 310 
1,110.81 
1,162.27 
TYPE: FED SAL ID: 9101036009 
CO: AGRI TREAS 310 
Apr 06 
Withdrawal - Online Transfer To Loan 21 
-185.00 
977.27 
Mobile Transfer. 
Apr 06 
Withdrawal - ATM - #002459 
-600.00 
377.27 
MCU 1225 GERARD AVE. BRONX NY MA17110 
Apr 07 
Withdrawal - VISA - Visa Purchase 
-73.56 
303.71 
04106 FSI'CONED BILL PAYMENT 866405.1924 NY 
Apr 07 
Withdrawal - VISA - Visa Purchase 
-50.59 
253.12 
04107 SPEEDWAY 07838 BRONX NY 
Apr 08 
Withdrawal - VISA - Visa Purchase 
-51.87 
201.25 
04108 TST' BLEND ON THE WATER LONG ISLAND C NY 
Apr 08 
Withdrawal - VISA - Visa Purchase 
-72.48 
128.77 
04108 VERIZON'ONETIMEPAY VERIZON.COM FL 
Apr 08 
Withdrawal - VISA - Visa Purchase 
-28.79 
99.98 
04108 KEY FOOD 1766 BRONX NY 
Apr 10 
Withdrawal - VISA - Visa Purchase 
-18.75 
81.23 
04109 DIGICEL DING TOPUP 876-380.7626 FL 
Apr 11 
Withdrawal - VISA - Visa Purchase 
-10.52 
70.71 
04/11 CVS1PHARMAGY #08 08969. BRONX NY 
Apr 12 
Withdrawal - VISA - Visa Purchase 
-12.50 
58.21 
04/11 IMPERIAL CAFE BRONX NY 
Apr 12 
Withdrawal - VISA - Visa Purchase 
-18.78 
39.43 
04/12 UBER TRIP HELP.UBER.COM CA 
Apr 15 
Withdrawal - VISA - Visa Purchase 
-18.75 
20.68 
04/14 DIGICEL DING TOPUP 876-380.7626 FL 
Apr 15 
Withdrawal - VISA - Visa Purchase 
-16.34 
4.34 
04/13 FISH N TING BRONX NY 
Apr 19 
Deposit - ACH - AGRI TREAS 310 
1,342.83 
1,347.17 
TYPE: FED SAL ID: 9101036009 
CO. AGRI TREAS 310 
Apr 29 
Withdrawal - VISA - Visa Purchase 
-124.40 
1,222.77 
04/28 AT8T'PREM1ER Mt 800-331-0500 GA 
Apr 30 
New Balance 
1,222.77 
Totals For This Period: 
-1,429.49 
2,453.64 
SIGNATURE 
L 21 
Date 
Transaction 
Late 
Interest 
Principal 
Amount 
Charge 
Charged 
Amount 
Balance 
Apr 01 
Apr 06 
Apr 30 
Apr 30 
Apr 30 
Previous Balance 
Payment - Online Transfer From 
-185.00 
50.70 
-134.30 
4,910.07 
Share 02 
Motile Transfer. 
Advance - Insurance Single Life 
1.96 
Advance - Insurance Disability 
8.89 
New Balance 
1.96 
8.89 
5,044.37 
4,912.03 
4,920.92 
4,920.92 
Totals For This Period 
-174.15 
Annual Percentage Rate: 10.500% 
Periodic Rate (Daily): .028767% 
0.00 
50.70 
-123.45 
2019 Totals Year-to-Date 
Total Fees Charged in 2019 
45.10 
EFTA00133635

0301366 000178474 OMCUOA 0630100 
MCU Account # 
Statement Period: 04/01/19 - 04/30/19 
Page 3 of 3 
SIGNATURE 
(continued) 
L 21 
A Payment of 185.00 is due on 05/12/19 
Interest Due through 04/30/19: 36.73 
J 
Total Interest Charged in 2019 
 
186.55 
YEAR TO DATE TOTALS 
Total Dividends YTD 
0.00 
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS 
Write to us at P.O. Box 3205, New York, NY 10007 or telephone us at (212)6934900 (or (800)3234713 if outside the five boroughs) if you think 
your statement or receipt is wrong, or if you need more information about a transfer on your statement or receipt. Write to us as soon as possible. 
We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. Tel us the following: 
• 
Your name and MCU account number (if any); 
• 
The amount of the suspected error or questioned transfer (and transaction date if known): 
• 
A description of the error or the questioned transfer, and an explanation why you believe there is an error or need more information. 
We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for 
the amount you think is In error, so that you will have use of the money during the time it takes us to complete our investigation. 
USE THE FOLLOWING FORM TO ASSIST YOU IN BALANCING YOUR CHECKING ACCOUNT 
LIST CHECKS OUTSTANDING 
(NOT CHARGED TO YOUR CHECKING ACCOUNT YET) 
CHECK NUMBER 
CHECK DATE 
$ AMOUNT 
TOTAL: 
PERIOD ENDING 
1. SUBTRACT FROM YOUR REGISTER ANY CHARGES LISTED ON THIS 
STATEMENT BUT NOT DEDUCTED FROM YOUR BALANCE. 
2. ENTER CHECKING BALANCE SHOWN 
ON THIS STATEMENT. 
$ 
+
$ 
3. ENTER DEPOSITS MADE 
AFTER THE ENDING DATE OF 
+ 
$ 
THIS STATEMENT. 
$ 
4. 
4. TOTAL (2 PLUS 3): 
$ 
5. CARRY OVER OUTSTANDING CHECK 
TOTAL 
$ 
6. REGISTER BALANCE (4 MINUS 5): 
$ 
SHARES ARE TRANSFERABLE ONLY TO QUALIFIED MEMBERS 
Your savings federally insured to at least $250.000 
and backed by the full faith and credit of the United States GovernmeM 
NCUA 
National Credit Union Administration, a U.S. Government Agency 
EFTA00133636

MC
II 
Strong 
I"? Trusted 
= 
Growing 
PO 60%32r.5, NEV/YORK, NY IOCC7•32.76 
(212i ta3,490DCA 0300 323-6713 ni 
• 0962.053 000176641 OrICUO A 0630100 
MS TOVA A NOEL 
BRONX NY 10456-3118 
Your Account Summary 
Deposits 
Balance 
Primary Share 
$ 
0.00 
Checking 
934.35 
TOTAL DEPOSITS 
934.35 
Loans 
Balance 
Personal 
5.176.64 
TOTAL LOANS 
5,176.64 
Account Number: 
Statement Period: 
02/01/19 - 02/28/19 
Page 1 of 4 
MCU News & Promotions 
Life can truly 
BE REWARDING. 
— 
MCU TRUE Rewards VISA° Card 
M
O 
Learn more at 
1.1F 
nymcu.orgItruerewards 
Monitor balances, 
transactions and 
account activity 
through 
NYMCU®
Online Banking. 
Login and 
select alerts. 
O 0 
•• 
Sign up for 
Account 
Alerts 
10) 
PRIMARY SHARE 
S 01 
Date 
Transaction 
Feb 01 
Previous Balance 
Feb 28 
New Balance 
Withdrawals 
Deposits 
Balance 
0.00 
0.00 
FASTRACK CHECKING 
S 02 
Date 
Transaction 
 
Withdrawals 
 Deposits 
Balance 
Feb 01 
Previous Balance 
1.813.95 
Feb 01 
Withdrawal - Online Transfer To Loan 21 
-185.00 
1.628.95 
EFTA00133637

0968053 
MCU Account # 
Statement Period: 02/01/19 - 02/28/19 
000176641 OMCUOA 0630100 
Page 2 of 4 
FASTRACK CHECKING 
(continued) 
S 02 
Date 
Transaction 
Withdrawals 
Deposits 
Balance 
Feb 01 
Withdrawal - Online 
-543.22 
1,085.73 
ACH TRANSFER TO Navy FCU 7066652871 ID 
0000427090 
Feb 01 
Withdrawal - ACH - PROG ADVANCED 
-147.16 
938.57 
TYPE: INS PREhl ID. 9409348070 
CO. PROG ADVANCED 
Feb 02 
Withdrawal - POS #046599 
-89.28 
849.29 
TARGET T-2475 700 Exterior St Bronx NY 
Feb 05 
Withdrawal - VISA - Visa Purchase 
-72.91 
776.38 
0244 RED LOBSTER 0469 BRONX NY 
Feb 06 
Withdrawal - VISA - Visa Purchase 
-145.00 
631.38 
02105 SOC'TRACEY GROOMS 8714174551 CA 
Feb 06 
Deposit - ACH - Square Inc 
145.00 
776.38 
TYPE: Ton ID: 8800429876 CO: Square Inc 
Feb 07 
Deposit - ACH - AGRI TREAS 310 
1,902.82 
2,679.20 
TYPE: FED SAL ID: 9101036009 
CO. AGRI TREAS 310 
Feb 08 
Withdrawal - ATM - #005232 
-600.00 
2,079.20 
MCU 1225 GERARD AVE. BRONX NY MA17110 
Feb 08 
Withdrawal - VISA - Visa Purchase 
-45.10 
2,034.10 
02/08 SUZETTES LINGERIE YONKERS NY 
Feb 08 
Withdrawal - VISA - Visa Purchase 
-35.38 
1,998.72 
02/08 BATH AND BODY WORKS 363 YONKERS NY 
Feb 08 
Withdrawal - VISA - Visa Purchase 
-33.75 
1,964.97 
02/08 BATH AND BODY WORKS 363 YONKERS NY 
Feb 08 
Withdrawal - VISA - Visa Purchase 
-37.56 
1,927.41 
02/08 BATH AND BODY WORKS 363 YONKERS NY 
Feb 09 
Withdrawal - VISA - Visa Purchase 
-23.56 
1,903.85 
02108 SHAKE SHACK - 1165 646.747-7200 NY 
Feb 10 
Deposit - VISA - 
51.22 
1,955.07 
SOC'Tova Noel Visa Deed CA 
Date 02/10119 
Feb 10 
Withdrawal - ATM - #842391 
-200.00 
1,755.07 
ACTORS FCU 86 EAST 167TH STREET BRONX NY 
Feb 10 
Withdrawal - ATM Fee 
-3.00 
1,752.07 
ACTORS FCU 86 EAST 167TH STREET BRONX NY 
Feb 10 
Withdrawal - ATM - #842586 
-100.00 
1,652.07 
ACTORS FCU 86 EAST 167TH STREET BRONX NY 
Feb 10 
Withdrawal - ATM Fee 
-3.00 
1,649.07 
ACTORS FCU 86 EAST 167TH STREET BRONX NY 
Feb 11 
Withdrawal - VISA - Visa Purchase 
-45.00 
1,604.07 
02/11 SPEEDWAY 07838 BRONX NY 
Feb 12 
Withdrawal - VISA - Visa Purchase 
-11.00 
1,593.07 
02/11 NYCDOT PARKING METERS LONG IS CITY NY 
Feb 12 
Withdrawal - VISA - Visa Purchase 
-50.00 
1,543.07 
02/11 BEAVER ST PARKING LLC NEW YORK NY 
Feb 14 
Withdrawal - VISA - Visa Purchase 
-13.05 
1,530.02 
02/14 TERRACE FISH 8 CHIPS NEW YORK NY 
Feb 17 
Withdrawal - ATM - #009160 
-280.00 
1,250.02 
MCU 755 CO-OP CITY BLVD.#2 BRONX NY 
A1A00311 
Feb 17 
Withdrawal - VISA - Visa Purchase 
-13.54 
1,236.48 
02/17 JACKS 99 STORE NEW YORK NY 
Feb 18 
Withdrawal - VISA - Visa Purchase 
-34.00 
1,202.48 
02/17 HAND WASH 8 DETAIL CENT BRONX NY 
Feb 21 
Withdrawal - VISA - Visa Purchase 
1,193.62 
0221 UBER TRIP GSLSR HELP.UBER.COM CA 
EFTA00133638

0968053 000176641 
MCU Account # 
Statement Period: 02/01/19 - 02/28/19 
OMCUOA 0630100 
Page 3 of 4 
FASTRACK CHECKING 
(continued) 
S 02 
Date 
Transaction 
Withdrawals 
Deposits 
Balance 
Feb 21 
Withdrawal - VISA - Visa Purchase 
-45.04 
1,148.58 
02/21 UBER EATS GDSUF HELP.UBER.COM CA 
Feb 21 
Withdrawal - VISA - Visa Purchase 
-48.78 
1,099.80 
02/21 SPEEDWAY 07838 BRONX NY 
Feb 22 
Withdrawal - VISA - Visa Purchase 
-50.00 
1,049.80 
02/21 COLUMBIA UNIVERSITY CLI FORT LEE NJ 
Feb 22 
Deposit - ACH - AGRI TREAS 310 
1,716.49 
2,766.29 
TYPE. FED SAL ID: 9101036009 
CO: AGRI TREAS 310 
Feb 23 
Withdrawal - ATM - #007545 
-1,000.00 
1,766.29 
IACU 1225 GERARD AVE. BRONX NY A1A17110 
Feb 23 
Withdrawal - VISA - Visa Purchase 
-215.69 
1,550.60 
02/23 COSTCO WHSE #0241 NEW ROCHELLE NY 
Feb 24 
Withdrawal - VISA - Visa Purchase 
-296.14 
1,254.46 
02/23 JCPENNEY 2718 BRONX NY 
Feb 25 
Withdrawal - VISA - Visa Purchase 
-72.00 
1,182.46 
02/23 VICTORIA'S NAILS 8 SPA BRONX NY 
Feb 25 
Withdrawal - VISA - Visa Purchase 
-8.50 
1,173.96 
02/25 TOLLS BY MAIL 800-333.8655 NY 
Feb 26 
Withdrawal - VISA - Visa Purchase 
-34.46 
1,139.50 
02/25 AT8T'BILL PAYMENT 111.222.3333 GA 
Feb 27 
Withdrawal - VISA - Visa Purchase 
-5.15 
1,134.35 
02/27 UBER TRIP HELP.UBER.COM CA 
Feb 28 
Withdrawal - ATM - #009046 
-200.00 
934.35 
MCU 1225 GERARD AVE. BRONX NY A1A17110 
Feb 28 
New Balance 
934.35 
Totals For This Period: 
-4,695.13 
3,815.53 
SIGNATURE 
L 21 
Late 
Interest 
Principal 
Date 
Transaction 
Amount 
Charge 
Charged 
Amount 
Balance 
Feb 01 Previous Balance 
5,312.10 
Feb 01 Payment - Online Transfer From 
-185.00 
38.12 
-146.88 
5,165.22 
Share 02 
Feb 28 
Advance - Insurance Single Life 
2.07 
2.07 
5,167.29 
Feb 28 
Advance - Insurance Disability 
9.35 
9.35 
5,176.64 
Feb 28 
New Balance 
5,176.64 
Totals For This Period 
-173.58 
0.00 
38.12
Annual Percentage Rate: 10.500% 
Periodic Rate (Daily): .028767% 
A Payment of 185.00 is due on 03/12/19 
Interest Due through 02/28/19: 41.61 
-,n19 Totals Year-to-Date 
Total Fees Charged in 2019 
Total Interest Charged in 2019 
23.13 
94.24 
YEAR TO DATE TOTALS 
Total Dividends YTD 
0.00 
EFTA00133639

119681153 0/0176641 OMCUOA 0630100 
MCU Account # 
Statement Period: 02/01/19 - 02/28/19 
Page 4 of 4 
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS 
Write to us at P.O. Box 3205, New York, NY 10007 or telephone us at (212)693-4900 (or (800)323-6713 if outside the five boroughs) it you think 
your statement or receipt is wrong, or if you need more information about a transfer on your statement or receipt. Write to us as soon as possible. 
We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. Tell us the following: 
• 
Your name and MCU account number (if any); 
• 
The amount of the suspected error or questioned transfer (and transaction date if known); 
• 
A description of the error or the questioned transfer, and an explanation why you believe there is an error or need more information. 
We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for 
the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. 
USE THE FOLLOWING FORM TO ASSIST YOU IN BALANCING YOUR CHECKING ACCOUNT 
LIST CHECKS OUTSTANDING 
(NOT CHARGED TO YOUR CHECKING ACCOUNT YET)_ 
CHECK NUMBER 
CHECK DATE 
$ AMOUNT 
TOTAL: 
PERIOD ENDING 
1. SUBTRACT FROM YOUR REGISTER ANY CHARGES LISTED ON THIS 
STATEMENT BUT NOT DEDUCTED FROM YOUR BALANCE. 
2. ENTER CHECKING BALANCE SHOWN 
ON THIS STATEMENT. 
+ 
3. ENTER DEPOSITS MADE 
$ 
AFTER THE ENDING DATE OF 
+ 
THIS STATEMENT. 
$ 
+ 
4. TOTAL (2 PLUS 3): 
$ 
5. CARRY OVER OUTSTANDING CHECK 
TOTAL. 
$ 
6. REGISTER BALANCE (4 MINUS 5): 
$ 
SHARES ARE TRANSFERABLE ONLY TO QUALIFIED MEMBERS 
Your savings federally insured to at least $250.000 
and backed by the hill faith and credit of the United States Government 
NCUA 
National Credit Union Administration. a U.S. Government Agency 
EFTA00133640

mai
Strong 
Trusted 
Growing 
MUMCIPAL CREDIT UNION 
1212303 49ULiCk(trallaa t,/la 
• 0956847 000175874 OMCUOA 0630100 
MS TOVA A NOEL 
BRONX NY 10456-3118 
Your Account Summary 
Deposits 
Balance 
Primary Share 
Checking
TOTAL DEPOSITS 
Loans 
0.00 
1,813.95
1,813.95 
Balance 
Personal 
TOTAL LOANS 
5.312.10 
5,312.10 
Account Number: 
Statement Period: 
01/01/19 - 01/31/19 
Page 1 of 3 
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Alerts 
NIP) 
PRIMARY SHARE 
S01 
Date 
Transaction 
Withdrawals 
Deposits 
Balance 
Jan 01 
Previous Balance 
0.00 
Jan 31 
New Balance 
0.00 
FASTRACK CHECKING 
S 02 
Date 
Transaction 
Withdrawals 
Deposits 
Balance 
Jan 01 
Jan 02 
Previous Balance 
Withdrawal - ACH - PROG ADVANCED 
-151.20 
427.94 
276.74 
www.nymcu.org 
EFTA00133641

0956847 
MCU Account # 
Statement Period: 01/01/19 - 01/31/19 
000175874 OMCUOA 0630100 
Page 2 of 3 
FASTRACK CHECKING 
(continued) 
S 02 
Date 
Transaction 
Withdrawals 
Deposits 
Balance 
TYPE: INS PREhl ID. 9409348070 
CO. PROG ADVANCED 
Jan 03 
Withdrawal - VISA - Visa Purchase 
-17.39 
259.35 
01102 3695 Dominos Pizza 212-802-4444 NY 
Jan 07 
Withdrawal - Online Transfer To Loan 21 
-185.00 
74.35 
Mobile Transfer. 
Jan 08 
Withdrawal - ACH - CON ED OF NY 
-69.74 
4.61 
TYPE: INTELL CK ID. 2462467002 
CO. CON ED OF NY 
Jan 17 
Deposit - ACH - JPMorgan Chase 
147.00 
151.61 
TYPE: EA Tmsfr 0: 9200502231 
CO. JPMorgan Chase 
Jan 29 
Deposit - ACH - AGRI TREAS 310 
4,044.28 
4,195.89 
TYPE: FED SAL ID: 9101036009 
CO. AGRI TREAS 310 
Jan 30 
Withdrawal - VISA - Visa Purchase 
-2.30 
4,193.59 
01129 NYCFINANCECONVENIENCEFE NEW YORK NY 
Jan 30 
Withdrawal - VISA - Visa Purchase 
-115.00 
4,078.59 
01129 DOF PARXINGANDCAMEFtA TI NEW YORK NY 
Jan 30 
Withdrawal - ATM - #003110 
-300.00 
3,778.59 
MCU 1225 GERARD AVE. BRONX NY MA17110 
Jan 30 
Withdrawal - VISA - Visa Purchase 
-164.07 
3,614.52 
01130 VERIZON'ONETIMEPAY VERIZON.COM FL 
Jan 31 
Withdrawal - VISA - Visa Purchase 
-84.95 
3,529.57 
01/29 AT&T'BILL PAYMENT LIAVW.ATT.COM TX 
Jan 31 
Withdrawal - Online 
-1,715.62 
1,813.95 
ACH TRANSFER TO JPMagan Chase Bank 
National Association 750832685 ID 
0000426383 
Jan 31 
New Balance 
1,813.95 
Totals For This Period: 
-2,805.27 
4.191.28 
SIGNATURE 
L 21 
Late 
Interest 
Principal 
Date 
Transaction 
Amount 
Charge 
Charged 
Amount 
Balance 
Jan 01 Previous Balance 
5,429.27 
Jan 07 
Payment - Online Transfer From 
-185.00 
56.12 
-128.88 
5,300.39 
Share 02 
Made Transfer. 
Jan 31 
Advance - Insurance Single Life 
2.12 
2.12 
5,302.51 
Jan 31 
Advance - Insurance Disability 
9.59 
9.59 
5,312.10 
Jan 31 
New Balance 
5,312.10 
Totals For This Period 
-173.29 
0.00 
56.12 
-117.17 
Annual Percentage Rate: 10.500% 
Periodic Rate (Daily): .028767% 
A Payment of 185.00 is due on 02/12/19 
Interest Due through 01/31/19: 38.12 
2019 Totals Year-to-Date 
Total Fees Charged in 2019 
Total Interest Charged in 2019 
11.71 
56.12 
YEAR TO DATE TOTALS 
Total Dividends YTD 
0.00 
EFTA00133642

0956847 000175874 OMCUOA 0630100 
MCU Account # 
Statement Period: 01/01/19 - 01/31/19 
Page 3 of 3 
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS 
Write to us at M. Box =, 
New York, NY 10007 or telephone us at (212)6934900 (or (800)323-6713 if outside the five boroughs) if you think 
your statement or receipt is wrong, or if you need more information about a transfer on your statement or receipt. Write to us as soon as possible. 
We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. Tell us the following: 
• 
Your name and MCU account number (if any); 
• 
The amount of the suspected error or questioned transfer (and transaction date if known); 
• 
A description of the error or the questioned transfer, and an explanation why you believe there is an error or need more information. 
We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for 
the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. 
USE THE FOLLOWING FORM TO ASSIST YOU IN BALANCING YOUR CHECKING ACCOUNT 
LIST CHECKS OUTSTANDING 
(NOT CHARGED TO YOUR CHECKING ACCOUNT YET) 
CHECK NUMBER 
CHECK DATE 
S AMOUNT 
TOTAL: 
PERIOD ENDING 
1. SUBTRACT FROM YOUR REGISTER ANY CHARGES LISTED ON THIS 
STATEMENT BUT NOT DEDUCTED FROM YOUR BALANCE. 
2. ENTER CHECKING BALANCE SHOWN 
ON THIS STATEMENT. 
$ 
+
$ 
3. ENTER DEPOSITS MADE 
$ 
AFTER THE ENDING DATE OF 
+ 
THIS STATEMENT. 
+
$ 
4. TOTAL (2 PLUS 3): 
$ 
5. CARRY OVER OUTSTANDING CHECK 
TOTAL 
$ 
6. REGISTER BALANCE (4 MINUS 5): 
$ 
SHARES ARE TRANSFERABLE ONLY TO QUALIFIED MEMBERS 
Your savings federally insured to at least 5250.000 
and backed by the hit faith and credit of No United States Government 
NCUA 
National Credit Union Administration. a U.S. Government Agency 
EFTA00133643