EFTA00133624

U.S. Department of Justice 
United States Attorney 
Southern District of New York 
The Silwo J. Aiello lholiday 
One Saul kalfor's Pka 
New Yost New Yew& MO07 
August 19, 2019 
Re: 
Grand Jury Subpoena 
This letter describes the procedure for requesting reimbursement for subpoenaed records. 
12 CFR part 219 (subpart A). issued by the Board of Governors of Federal Reserve System under section 
1115 of the Right to Financial Privacy Act (12 U.S.C. § 3415), sets the rates and conditions for reimbursement of 
costs directly incurred by financial institutions in assembling or providing customer financial records to a 
government authority pursuant to the Act. No costs are reimbursable if the records are those of a corporation or a 
partnership comprised of more than five individuals 
If reimbursement is authorized, and the estimated billing to the government will exceed $500, advance 
permission is necessary from Ed Tyrrell at 212-637-2269. 
If the subpoenaed records indicated on the rider are eligible for reimbursement, please complete section B 
of the enclosed form OBD-2I I, which will serve as your invoice, and return it with a copy of the subpoena to the 
following address: 
U.S. Attorney's Office - SDNY 
Accounts Payable 
dill.10007 
Please send your invoice to the above address within 60 days of the submission of the subpoenaed records. 
If no invoice is received within 120 days, funds will not be available to pay the invoice. 
Thank you for your cooperation in this matter. 
By: 
Enclosure: OBD- 211 
Very truly yours, 
GEOFFREY S. BERMAN 
United States Attorney 
Assistant United States Attorney 
(212)637.2421 
EFTA00133824

U.S. Department of Justice 
Washington, D.C. 20530 
Request for Financial Information Under the Right to Financial Privacy Act (RFPA) 
(Authorization, Purchase Order and Receiving Report) 
This Sum ruin be seed .Lan reepening firteneid meads of individuals ad pareslithIps of five or fewer irovidush under the RFPA. 
I Tracking Number. 
2 Due Order Prepared 
3 USAO Number: 
2019R01059 
Section A - Authorization and Purchase Order 
4 Name end Addmss of Financial Institut:on: 
Navy Federal Credit Union 
5 Deliver Records To: 
See attached subpoena for delivery Instructions 
A 
Funding Cenification & 
Authorization: 
Send Completed USA-21 I Form & Invoice To: 
U.S. Attorneys Offee . SONY 
In Yak. NY 10007 
7 Remarks: Do not proceed with compliance if the total cost will exceed S 500.00 
without prior approval. To obtain approval, call the requester limed in kern a. 
If invoking for these services is expected to exceed 120 days. please notify the United States Attorney's Office immediately to ensure funds remain available 
for payment. Please see the attached Important Notice fce additional information on invoicing and other requirements for reimbursement. 
Nem of R orator: 
AUSA 
 *a/ A 
Budges Witte Swat= 
Funding Amiable 
Due 
54-8113 
AmsrovinstOMesl Somme 
Due 
6 Return Date: 
See attached 
9 Telrehone Number
Section B Finentisi Institution Invoice 
10 Date of request 
8/19/2019 
No Payment Shall Be Made Unless Expenses Are Itemized Below Or Set Forth On Your Mucked Invoice. 
i IA Invoice Number. 
I IB Tax ID Number: 
Qua 
ntity
Unit Price 
Con 
pp
Amount
I IC Service(s)Records Provided 
A. Searching and processing costs (clerical or technical personnel) 
B. Searching and processing costs (management supervisory personnel) 
C. Searching and processing costs (computer support specialist) 
D. Reproduction Costs (Photocopying) - "Note: Copy charges will be disallowed if 
the information is stored electronically, unless the US Attorney's Office requests paper. 
E. Reproduction Costs (Paper Copies of Microfiche: provide justification) 
F. Reproduction Costs (Duplicate Microfiche: provide justification) 
I Storage Media Costa., Compact Disc, DVD, etc., at Actual Cost) 
H. Transportation Costs (Direct Costs Only) 
1 
812, 
'fy that the wits's' 
ad a 
we not performed relative to any corporate 
se 
l5 
pertain only to accounts 
dlY. 
n and 
'pi of five or fewer individuals. 
522.00 
530.00 
$30.00 
50.25 
$0.25 
$0.50 
Hour 
Hour 
Hour 
Page 
Frame 
1 
a OD 
Microfiche 
I CI,C0 
CD 
I- IO.CD 
12 
ignat 
Finance] Institution Off d;
13 List 
CI 
Total Amount 
By Financial 
Claimed
Institution 
Section C - Ric firing Report 
Di 
16 
ate At
sallowance 
tached) 
14 I certify that the articles and services listed utre received-
IS Date Received: 
17 Net to 
Financial 
Institution 
III Right to Financial Privacy Act- Public Law 95430 
(12 U.S.C. 3401.3422) Request Pursuant To: (Chick One Only) 
OBJECT 
SECTION 
CLASS 
r sot 
Customer Authorizauon 
2545 
r 
3405 
Administrative Subpoena cc Summons 
2545 
r 
3406 
Search Warrant 
2545 
r 
340? 
Judicial Subpoena 
2545 
19 Signature of Approving Official: 
20 Funding 
Accounting 
Program
Source 
Code: 
r 
3408 
Formal Written Request 
2545 
21 Other Accounting/Fund Information: 
r 
3413 
Grand Jury Subpoena 
2545 
Program Code: N/A 
Project Code. N/A 
r 
3414 
Special Procedures 
2545 
YREGDOC: 
54-8113 
22 Remarks: 
Cell Number (if applicable): 
OBL Month (YR,MO): 
Tax ID Number. 
To the best of my knowledge. the &sands] recant received. for wind, we re being billed. M those of an itithvidual at pumerdlip of five or fewer 
FORM USAi2I I 
Signahn of United State, 
Office Re-mien:alive 
Dec 
FEB. 2014 
EFTA00133825

NAVY 
FEDERAL 
Credit Union 
CERTIFICATION STATEMENT 
in reply refer to: 
The undersigned is a duly authorized custodian of records of NAVY FEDERAL CREDIT 
UNION and has the authority to certify said records. The enclosed is a true copy of all the 
records described in the Subpoena / Customer Consent / Authorization Form. Said records were 
prepared by the custodian or the personnel of NAVY FEDERAL CREDIT UNION in the 
ordinary course of business and were prepared from records which were themselves prepared at 
or near the time of the act, condition or event. 
I declare under the penalty of perjury that the foregoing is true and correct. 
Executed on this day  Pugs+ 20 
 , 2019 in the Co ty of Escambia, State 
of Florida. 
BY: 
Shelby Polk 
(Signature) 
(Print or Type) 
Subscribed and sworn to before me on this  
3 trit 
 day of  aril- 
 , 2019. 
My commission expires: 
art- 
a ct, c4t) 
a tcl  \LA-1 
(Notary Public) 
Public) 
ft:eis 
KARON ICIIIRNER 
. 7' ramffnM
S 
• ion:GO 139095 
..SiI,r, 
k; 
fa I Expires August 2.9.2021 
°Kfi,-/ wad DAP Troy Fyn Sums8 
8018
PO Box 3030 Merrifield VA 22119-3000 
EFTA00133826

AL 1764349 
PAN 4000220607543275 
A 
SAV 
CHK 
Navy Federal Credit Union 
SP 001 
EFTA00133827

Credit Card Application 
CC7JW33VM4YY submitted at 09/27/2008 08:54:07 PM 
Application Status 
NFO Application ID: 
C7JW33VM4YY 
NFO Status: 
Approved 
Total Application ID: 
000001848302 
CC Status: 
Approved 
Total Status Code: 
NEWACCT 
Credit Limit: 
2500 
APR: 
17.9 
Application Sources 
SOB: 
ACEPCC 
MSC: 
nothing 
19761 
Employee Number: 
Applicant Information Collected from the Application 
Name: 
Access Number: 
Login Number: 
Date of Birth: 
SSN: 
Contact Number: 
House Type: 
B 
Monthly Housing Payment: 
717.00 
Years at Housing: 
4 
Months at Housing: 
1 
Employees Name: 
DEPARTMENT OF JUSTICE 
Annual Salary: 
57000 
Monthly Salary: 
4,750.00 
Years at Job: 
8 
Months at Job: 
Email: 
Credit Card Details 
Application Type: 
Regular application 
Card Type Requested: 
REWCLA nRewards Visa 
Card Type Approved: 
RBLTD1. CLR nRewards Visa 
Acceptance Code: 
Selected Card: 
Mother's Maiden Name: 
VASQUEZ 
Expedite Delivery: 
N 
Authorized User1: 
SSN: 
DOB: 
Authorized User2: 
SSN: 
DOB: 
Navy Federal Credit Union 
SP 001 
EFTA00133828

Payment Protection Plan: 
Auto Repayment 
ID 
Auto Repayment Method: 
Day of Month: 
Fixed Payment: 
Transfer minimum payment 
10/07/2008 
-1.00 
Navy Federal Credit Union 
SP 001 
EFTA00133829

NAVY 3 
FEDERAL 
Credit Union 
r
MINIMUM 
PAYMENT DUE 
102.00 
eRewards Visa 
PAST DUE 
PAYMENT 
PAYMENT 
DUE DATE 
NEW 
BALANCE 
ACCOUNT NUMBER 
AMOUNT 
ENCLOSED 
PLEASE MAKE CHECK PAYABLE AND MILL TO: 
NAVY FEDERAL 
M. BOX 
MERRIFIELD VA 22119
02/14/2019 
2,529.12 
xxxx xxxx xxxx 
$ 
ACCOUNT NUMBER 
xxxx spa xxxx= 
ACCESS NUMBER 
1764349 
SUMMARY OF ACCOUNT ACTIVITY 
Previous Balance 
Payments 
Other Credits 
Purchases 
Cash Advances 
Fees Charged 
Interest Charged 
New Balance 
52.529.12 
Past Due Amount 
Credit Limit 
Available Credit 
Cash Limit 
Available Cash 
Statement Closing Date 
Da a In BIIII 
C cle 
$2.500.00 
NONE 
$1.250.00 
$0.00 
01/17/2019 
31 
PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. 
A 
EXT APT 410 
MIDDLETOWN NY 10940-2589 
et 0014412 
PAYMENT INFORMATION 
New Balance 
$2,529.12 
Minimum Payment Due 
$102.00 
Payment Due Date 
02/1412019 
Late Payment Warning:lf we do not receive your 
mindnum 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: 
If you make no 
You wil pay off 
additional charges 
the balance
using Ms card 
shown on this 
and each month 
- - 
statement n 
you Pay...
Only the rnmmum 
Parneni 
about.. 
ill years 
And you wil end 
up paying an 
estrealed 
total of... 
17.560 
OFbnerds Visa 
Piga 1 old 
QUESTIONS 
Credit Card Services 
I.803.042.6328 
Send Billing Inquiries To: 
Navy Federal Credit Linton 
Box 
MerrIlle/d VA 22119M 
Send Payments To: 
Navy Federal 
M. Boxy 
meninerd VA 22119M 
To view your account 
online visa nevylederelerfl. 
If you would Ike inform:ince, about 
credit counseing seivices. go to 
htlps./hvivwpstice.govfustilist• 
credil.cconseling-agendes• 
approvenvorsuantill•usa.111 
or call 1-888-503-7106. 
IMPORTANT NOTICES 
'NOTICE' YOUR ACCOUNT IS PAST DUE PLEASE REMIT YOUR PAYMENT ONLINE AT NAINFEDERALORG. OR BY PHONE TOLL•FREE 
AT 1.800336-3767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 5:00 AM AND li:00 PM, AND 
WEEKENDS BETWEEN 9:00 AM AND 5:30 PM. EASTERN TIME. IF YOU HAVE ALREADY REMITTED YOUR PAYMENT. PLEASE 
DISREGARD THIS NOTICE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS. 
MISSED PAYMENTS. OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THAN( YOU. 
REWARD POINT SUMMARY 
Start Balance 
Earned 
Bonus 
I 
Redeemed 
Adjusted 
I 
I    I
Redemptions are not permitted on closed or delinquent accounts. 
Expired/Purged 
I 
End Balance 
2.880 
Rewards Details 
Rewards for Jan 2019 
Qualified Spend 
Rewards Points 
Restaurants 
$0.00 
fa 3x 
0 
Gas Stations 
$0.00 
fa 2x 
0 
Other Eligible Purchases 
$0.00 
0 
Total This Period 
$0.00 
0 
Total Reward Year to Date 
$0.00 
0 
Navy Federal Credit Union 
SP 001 
EFTA00133830

P 
• 
NrCU ACCOUNT NO. 
RANKMATE 
NAME ITIRST 
• 
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 APPLIC.ARLE TO: 
NSA ONLY 
ALL APPLICANT'S NFCU ACCOUNTS 
ASNI OwNERIS)-iF NFCti SAVINGS IS A ANNT ArsritiNT 
HOME TELEPHONE 
INUitICIELEVPIUNe 
Pow tor 4 
Information About Your Visa " Account 
Important Telephone Numbers For Navy FederaIS Credit Card Services 
For Credit Card Services and Lost Cards, call tell-free  
 
1-888-842-6328 
Coted internationally  
1-703.255.8837 
For toll free cumbers when OverSeaS. 
navyladerill Org/OverSeaS/ 
Emergency ASSistanCe  
 ..1.800-VISA'911 
Emergency ASSiStanCe (Mom Overseas, Call COllat)  
1-410.581.9994 
Variable Rate Information: Your Standard APR ail vary based on the U.S. Prime Rate. 
Ths means your APR could increase a the U.S. Prime Rate increases or decease t the 
V.S. Mille Rate decreases. An increase a decrease in your APR will ailed the total 
anoint Of interest you pay. YOur APR IS ad)usted Monthly en the first cosiness day a the 
month; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Walt 
Street Journelon the Mat day Of the previous month. Your Margin is a percentage amount 
that we determine based on an evaluation of your credit history. 
Payments: Pamela may be made by mail, electronic transfer, or at a branch in person. 
NI payments must be made In U.S. &dart Par
nla you mail must be addressed to Navy 
Federal, `Boa 
Merrifield, VA 22119
 Payments we receive by mail at this 
address by 5:00 pm ET will be credited the sane day. In scow cases, available credit may 
be delayed Will the payment is veined. Mailed payments to your Credit card account may 
net be commingled with funds designated fa credit to other Navy Federal accotnts. We 
accept late a partial payments cerhout forfeiting any of Navy Federars rights under 
this Agreement. Payments that are marked "paid in fit and that are of an amount less 
than the balance on the credit Card aCCOuiltir that are Marked we, any ether retrictve 
endorsements, should be sent to e. 
Box 
=
,
 
Medfield, VA 22119, Atm. credit Card 
Division. 
Transactions Made In Foreign Currency: All Vita purduses and cash advances will 
be tilled to you in U.S. dollars. The rate a exchange used for processing international 
transactions is a rate selected by Visa from the range of rates available in wholesale 
currency makes fa the applicable central praesew date, which rate may vary from the 
rate Visa rSelf receives or the government-mandated rate In effect for the applicable 
central povecing date. 
Paying Inter et Your due date is at least 25 days after the dose of each billing Lytle. 
We will net charge you inten
t on purchases it you pay yOur entire balance by the due 
date each month. We will begin charging inteient on cash advances, balance Wanders, 
and convenience checks on the transaction date. 
ATM Cash Advance Fees: None it. performed at a Navy Federal branch a 
ATM. 
Otherwise $0.50 per domestic transaction or $1.00 per overseas transactkn. If you use 
yOur card at an ATM not operated by Navy Federal, you may be charged an ATM fee by 
the owner a the ATM. 
Now We Determine The Amount Of Interest Charges: Nary Federal calculates 
Interest charges al your account by applying the periodic rate to the average daily 
balance a you account, including anent transactons. To get the average daily 
balance, xe take the beginning balance of you account each day, add new purchases 
and cash advances, and Soared any payments, aeclits, and unpaid interest chargeS le 
give us the daily balance. That, we add up all a the daily balance[ for the lolling cycle 
and divide the total by the number a days in the Ming cycle. TM ghats us the average 
daily balance. You can find your 'average daily balance' for each Ming cycle in the 
'Balance Subject W Interest Rate' COluMn Of you statement. 
Payment Allocation: In general, we cell apply your miamum payment to the overtime 
anoint Of any), interest, and fees MA before applying it De principal balances. If your 
account has balances with different APRs, we Wit apply the Minimal, payment Ara to the 
balance with the lowest APR before balances with higher APRs. My payment amount in 
access of the MinniuM payment wil be allocated to the balance with the highest APR and 
any remaining portico to the other balances in descending order baled on APR 
hA 2017 mavy Federal NFCU SIN (12.17) 
Billing Rights Summary 
Whet to Do a You Mink You Find a Mistake on Your Statement 
U you think there is an error On your statement, write to us at: 
edit Union 
119 
You may also contact us electronically through OM.* Banking atnavytederaLorg. 
In your letter, give us the following information: 
• Account wkinnetion: Your Nine and account nusber 
• Dotter amount The dear Vivant of the suspected error 
• Description of problem: If you think there is an error en your NIL describe what you 
believe is wrong and why you lieneve if is a mistake. 
You must contact us within 60 days aner the ewer appeared en your statement. 
You must notify us of any potential Was in uniting or electronically. You may call us, at 
I you do, we are not required to kwestigate any potential errors, and you may have to 
pay the amount in question. 
1Vhde we investigate whether a net there has been an error, the following are true: 
• We cannot try to collect the anoint in question or report you as delinquent on that 
amen,. 
• The charge In question may remain on your statement, and we may contnue to Charge 
you Interest on that amount. But, if vve determine that we made a riVtake, you will not 
have to pay the amount in question or any interest Or ether fees related to that 
Mast 
• White you dO net have to pay the amount in question, yOu are responsible for the 
reminder of your balance. 
• We Can apply any unpaid nut 
aganst your aedit lint 
Your Rights a' You Are Dissatisfied Wth Your Crew Card Purchases 
U you are dasatisted with the goods Or services that you have purrJused with you 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 on the purchase. 
To use this right, all of the following mast be true: 
1. The surcease must have been made in you home state or ma nn 100 Man Of your 
anent mailing address, and the purchase price must have been more than $50. 
(NOW Nether a these is necessary lt your purchase was based on an advertisement 
we mailed to you, alt we own the company that sad you the goods a serv✓es.) 
2. YOu twat have used your credit card fa the purchase. Purchases made with cash 
advances from an ATM Or with a check that accesses your credit Cad account do net 
qualify. 
3. You must not yet have fully paid for the purchase. 
If all of the Mere above are met and you are still dissatisfied wall the purchase, contact 
us in wiling or electronically at: 
Nary Federal Credit Union 
Merrifield, VA 22119 
You may also contact us electronically through Online Banking atnavyfederalorg. 
wink we investigate, the same odes apply to the reputed amount as ciscussed above. 
Me we finish our inveStigatiOn, we will tell you our dealer,. At that pant, lt we think 
you Owe an Mount and you de net pay, we may report you as delinquent. 
Navy Federal Credit Union 
SP 001 
EFTA00133831

NAVY C 
FEDERAL 
Credit Union 
TRANSACTIONS 
PAYMENTS AND CREDITS 
Trans Date Post Date Reference No. 
Description 
Submitted By 
Amount 
12/28/18 
12/28/18 
el, 
Visa 
TRANSACTIONS 
FEES 
Trans Date Post Date Reference No. 
Description 
01/17/19 
01/17/19 
PMT PROTECTION PLAN PRIMARY LIFE/DISAU 
TOTAL FEES 
INTEREST CHARGED 
Description 
INTEREST CHARGE-PURCHASES 
TOTAL INTEREST 
Amount 
Amount 
$37.34 
S37.34 
2019 TOTALS YEAR-TO-DATE 
Total Fees charged in 2019 
Total Interest charged in 2019 
537.34 
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 
Ptrchases 
18.00% (v) 
52.488.96 
$37.34 
Cash ArNances 
18.00% (v) 
$0.00 
S0.00 
Bel TrI/CawChle 
(v) = Variable Rate 
18.00%(v) 
$0.00 
S0.00 
• Bal 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 
navytederatorg/myBT 
Achieve financial victory with a low rate 
APR Balance Transfer. lust transfer your 
high rate balance from another lender to 
your Navy Federal Credit Card. 
Insured by NCUA. 
Navy Federal Credit Union 
SP 001 
EFTA00133832

Visa 
Navy Federal Credit Union 
SP 001 
EFTA00133833

NAVY 3 
FEDERAL 
Credit Union 
MINIMUM 
PAYMENT DUE 
50.00 
• Rewards Visa 
PAST DUE 
PAYMENT 
PAYMENT 
DUE DATE 
NEW 
BALANCE 
ACCOUNT NUMBER 
AMOUNT 
ENCLOSED 
0.00 
03/14/2019 
2,490.83 
PLEASE MAKE CHECK PAYABLE AND NAL TO: 
NAVY FEDERAL 
M. BOX 
MERRIFIELD VA 22119-
ACCOUNT NUMBER 
ACCESS NUMBER 
1784349 
SUMMARY OF ACCOUNT ACTMTY 
Previous Balance 
$2.529.12 
Payments 
-$102.00 
Other Credits 
-50.00 
Purchases 
+50.00 
Cash Advances 
+50.00 
Fees Charged 
+526.75 
Interest Charged 
+$36.96 
New Balance 
$2.490.83 
Past Due Amount 
$0.00 
Credit Limit 
$2,500.00 
Available Credit 
$9.17 
Cash Limit 
$1.250.00 
Available Cash 
$9.17 
Statement Closing Date 
02/17/2019 
Days In Billing Cycle 
31 
PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. 
A 
EXT APT 410 
MIDDLETOWN NY 10940-2589 
PAYMENT INFORMATION 
New Balance 
$2,490.83 
Minimum Payment Due 
$50.00 
Payment Due Date 
03/14/2019 
Late Payment Warning:lf 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 mare in 
interest and it will take you longer to pay off your 
balance. For example: 
It you make no 
You wit pay off 
eedditiOnal charges 
the balance
Mang ths card 
shown on this 
and each month 
statement "I 
you WY- 
about.. 
Only the rnnimum 
22 yam%
Parnell,
590 
3 yeass 
And you will end 
up paying an 
estimated 
told of... 
57.557 
$3.240 
(Savoys
54.317) 
• t 0046620 
0%fterds Visa 
Piga t old 
QUESTIONS 
Credit Card Services 
L88844342.6328 
Send Billing Inquiries To: 
Navy Federal Credit Linton 
M. Bak 
MerrIlle/d VA 22119M 
Send Payments To: 
Navy Federal 
M. 0ox
meaner/4 VA 22119M 
To new your account 
online vita navyled•nolOrg. 
II you would Ike linlommlicri about 
credit counselng seneces. go to 
htlps.drAwitustce.govruntlist• 
credgcconseling-agendes• 
approved-pursuarit.Thutted 11 
tx call 1-888-503-7108. 
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. 
REWARD POINT SUMMARY 
Start Balance 
Earned 
Bonus 
Redeemed 
Adjusted 
2.880 
0 
0 
0 
0 
Redemptons are not permitted on c.osed or delinquent accounts. 
Expired/Purged 
End Balance 
0 
2,880 
Rewards Details 
Rewards for Feb 2019 
Qualified Spend 
Rewards Points 
Restaurants 
$0.00 
@ 3x 
0 
Gas Stations 
$0.00 
@ 2x 
0 
Other Eligible Purchases 
9;0.00 
0 
Total This Period 
$0.00 
0 
Total Reward Year to Date 
$0.00 
0 
Navy Federal Credit Union 
SP 001 
EFTA00133834

P
NrCU ACCOUNT NO. 
RANKMATE 
NAMC ifiRST 
• 
CREDIT CARD CHANGE OF ADDRESS 
VISA ACCOUNT NO. 
LAST 
SUFFIX, 
NETNADDRESS 
Ll I Y 
SIAIE 
OP LIME 
APPUCANT OR CO-APPUCANT SIGNATURE 
THIS ADDRESS CHANGE IS APPLIC.ARLE TO: 
NSA ONLY 
• 
ALL APPLICANT'S MCC ACCOUNTS 
• 
Muni OwNFRIS)-iF NFCti SAVINGS IS A .KoNT ACCCit INT 
HOME TELEPHONE 
INCUR TELEPHONE 
Information About Your Visa " 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 
Cotect internationally 
1-703.255.8837 
For toll free numbers when OverSeaS. 
nayWederel OrgrOverrean 
Emergency ASSiStanCe  
 ..1.80O-VISA'911 
Emergency Assistance (Aran Overseas, Call aka) 
I-41O.581.9994 
Variable Rate Information: Your Standard APR will vary based on the U.S. Prime Rate. 
Ths means stir APR could increase if the U.S. Prime Rate increases or decease g the 
V.S. Mille Rate decreases. An increase a decrease in your APR will ailed the total 
anoint of interest you pay. Your APR is ad)usted monthly CO the first buSinaS day ci the 
moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wall 
Street Journelon the first day of the previous month. Your Margin is a percentage amount 
that we determine based on an evaluation of you credit history. 
Payments: Pamela may be made by mail, electronic transfer, or at a branch in person. 
NI payments must be made In U.S. dada. Par
aiS you mail must be addressed to Navy 
Federal, `Boa 
Merrifield, VA 22119
 Payments we receive by mail at this 
address by 5:00 pm ET will be credited the same day. In scene cases, available credit may 
be delayed until the payment is verified. Mailed payments to your Credit card account may 
net be commingled with funds designated fa credit to other Navy Federal accounts. We 
will accept late Cr partial payments without forfeiting any of Navy Federars rights under 
de Agreement. Payments that are marked "paid in full' and that are of an amount less 
than the balancer:4, the credit Card aCCOuilt
r that are Marked war any Other retrieve 
endorsements, should be sent toe. 
Box 
=
,
 
Medfield, VA 22119, Atm. Credit Card 
Division. 
Transactions Made In Foreign Carnality: All Visa purchases and cash advances will 
be tilled to you in U.S. dollars. The rate a exchange used for processing international 
transactions is a rate selected by Visa from the range of rates available in wholesale 
arrency ma wets for the applicable central praesang date, which rate may vary from the 
rate Visa Calf receives or the gwernment-mandated rate In effect for the applicable 
central povecing date. 
Paying Interest Your due date is at least 25 days after the close of each billing Lytle. 
We will net 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 decks on the transaction date. 
ATM Cash Advance Fees: None Y performed at a Navy Federal branch a 
ATM. 
Otherwise $0.50 per domestic transaction or $1.00 per overseas transactkn. If you use 
your card at an ATM not operated by Navy Federal, you may be charged an ATM fee by 
the owner a the ATM. 
Now We Determine The Amount Of Interest Charges: Nary Federal calculates 
Interest charges on 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 teeming balance a you account each day, add new purchases 
and cash advances, and subtract any payments, aedits, and unpaid interest charges to 
give us the day balance. That, we add up all a the daily balances for the biting cycle 
and divide the total by the number a days in the Ming cycle. This gives us the average 
daily balance. You can find your 'average daily balance' for each Ming cycle in the 
13alanCe Sublet W Interest Rate' column Of you Statement. 
Payment Allocation: In general, we WI apply your minimum payment to the overlime 
fl
int (if any), interest, and fees Mt before applying it to principal balances. If your 
account has balances with different APRs, we war apply the Minimal, payment rust to the 
balance with the lowest APR before balances with higher APRs. My payment amount in 
access of the minimum payment Mil be allocated to the balance with the Nghest APR and 
any remaining portico to the other balances in descending order based on APR 
C 2017 Navy Federal haat SW/ (1217) 
Pay 2ol 4 
Billing Rights Summary 
Whet no Do a You Milk You Find a Mistake on Your Statement 
If you think there is an snit on your sratenent, write to us at: 
Navy Fedival Credit Union 
Sex 
Menden, VA 22119 
You may also contact us electrenicaIN through Online Banking atnareederal.org. 
In your letter, give us the following laOrMatiOn: 
• Account urformetion: Your rare and account Wilber 
• Doyle amount The Mar amosnt of tie suspected error 
• DeseriprMn of problem: If you think there is an prof on your NIL describe what you 
believe is wrong and why you believe it is a mistake. 
You must contact us within 60 days alter the error appeared on your statement. 
You must notify us of any potential errors in writing or electronically. You may call us, at 
▪ you do, we are not reguked to kweStigate any potential errors, and you may have to 
pay the amount in question. 
1Vite rte investigate whether a net there has been 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 on your statement, and we may contoue to charge 
you interest on that amount. But, if we determine that we made a neAtake, you will net 
have to pay the amount in question or any interest Or Other fees related to that 
Meat 
• While you do net have to pay the amount in question, yOu are responsible for the 
reminder of your balance. 
• We can apply any unpaid null aganst your at& lint 
Your RightsI You Are Dissatisfied Wfh Your Crude Card Purchases 
If you are dasatisted with the goods Or services that you have purrJused with you athil 
cad, NO you have tried in good faith to cared the problem with the merchant, you may 
have the rigM not to pay the remaining amount due on the purchase. 
To use this right, all of the loathing must be true: 
1. The purchase must have been made n you home state a stain 100 ages Of your 
anent mailing address, and the purchase price must have been more than $50. 
(Nate Nether of these is necessary V your purchase was based on an advertisement 
we mailed to you, a n we own the company that sdd you the goods a ServiOn.) 
2. You must have used your aedit card fa the purchase. PurChaSeS made with cash 
advances from an ATM or with a dark that accesses your Credit Cad account do net 
nudity. 
3. You must not yet have fully paid for the purchase. 
U all of the area above are met and you are still dissatisfied wall the purchase, contact 
us in wiling or electronically at: 
Nary Federal Oedit Union 
.• 
Box 
Merged, VA 22119 
You may also contact us electronically through Online Banking atnavyfederal.org. 
wink we investigate, the same ruleS apply to the deputed amount as CISCuSSed above. 
Me we finish Our investigadon, we will tell you our decent,. At that pant, T we think 
you Owe an Mount and you dO net pay, we may report you as delinquent. 
Navy Federal Credit Union 
SP 001 
EFTA00133835

Type of Balance 
NAVY C 
FEDERAL 
Credit Union 
TRANSACTIONS 
PAYMENTS AND CREDITS 
•Rewards Visa 
Peot3c44 
Trans Date Post Date Reference No. 
Description 
SubinIneci By 
Amount 
01/29/19 
01/29/19 
74060959029090620501624 PAYMENT RECEIVED 
war Lux xxxx
551.00 
01/29/19 
01/29/19 
74060959029091810291622 PAYMENT RECEIVED 
mac xxxx xxxx 
551.00 
TOTAL PAYMENTS AND CREDITS 
$102.00 
TRANSACTIONS 
FEES 
Trans Date Post Date Reference No. 
01/28/19 
01/28/19 
02/15/19 
02/15/19 
INTEREST CHARGED 
Description 
LATE PAYMENT FEE 
PMT PROTECTION PLAN PRIMARY LIFE/DISPLI 
TOTAL FEES 
Description 
INTEREST CHARGE-PURCHASES 
TOTAL INTEREST 
2019 TOTALS YEAR•TO-DATE 
Total Fees charged in 2019 
Total Interest charged in 2019 
$33.61 
$74.30 
Amount 
520.00 
56.75 
$26.75 
Amount 
536.96 
$36.96 
INTEREST CHARGE CALCULATION 
Your Annual Percentage Rate (APR) is the annual interest rate on your account 
Annual Percentage Rate 
Balance Subject to 
(APR) 
Interest Rate 
Puthases 
18.00% (v) 
$2463.61 
Cash Ad/aces 
18.00% (v) 
$0.00 
Bal TrICcnyChle 
18.00%(v) 
$0.00 
(v) = Variable Rate 
• Bat Trf/Ccetv 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 
$36.96 
$0.00 
$0.00 
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. 
- .•' 
'- nay yfederal org/myBT 
Insured by NCUA.
Navy Federal Credit Union 
SP 001 
EFTA00133836

Visa 
Navy Federal Credit Union 
SP 001 
EFTA00133837

NAVY 3 
FEDERAL 
Credit Union 
MINIMUM 
PAYMENT DUE 
101.00 
eRewards Visa 
PAST DUE 
PAYMENT 
PAYMENT 
DUE DATE 
NEW 
BALANCE 
ACCOUNT NUMBER 
AMOUNT 
ENCLOSED 
50.00 
04/14/2019 
2,534.51 
xxxx xxxx xxxx 
PLEASE MARE CHECK PAYABLE AND MAIL TO: 
NAVY FEDERAL 
M. BOX 
MERRIFIELD VA 22119M 
PLEASE NOICATE CHANGE OF ADDRESS ON REVERSE. 
EXT APT 410 
MIDDLETOWN NY 10940-2589 
0253451900101006406095583209293040609558320929301 
ACCOUNT NUMBER 
sax sox xxxx 
ACCESS NUMBER 
1784349 
SUMMARY OF ACCOUNT ACTIVITY 
Previous Balance 
32.490.83 
Payments 
40.00 
Other Credits 
40.00 
Purchases 
+$0.00 
Cash Advances 
+30.00 
Fees Charged 
+38.87 
Interest Charged 
+338.81 
New Balance 
$2.534.51 
Past Due Amount 
$50.00 
Credit Limit 
32,500.00 
Available Credit 
NONE 
Cash Limit 
$1,250.00 
Available Cash 
$0.00 
Statement Closing Date 
03/17/2019 
Days In Billing Cycle 
28 
PAYMENT INFORMATION 
New Balance 
$2.534.51 
Minimum Payment Due 
$101.00 
Payment Due Date 
00/14/2019 
Late Payment Warning:lf we do not receive your 
mirtmum 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: 
Ifyoumake no 
You wit pay off 
additional charges 
the balance
using ths card 
shown on this 
and each month 
- - 
statement n 
you Pay...
Only the mnimum 
payment 
about.. 
22 Team 
And you wil end 
up paying an 
estmaled 
total at,. 
$7.580 
004b3LD 
0%fterds Visa 
Riga 1 *IA 
QUESTIONS 
Credit Card Services 
1-888.842.8328 
Send Billing Inquiries To: 
Navy Federal Credit Union 
MINNOW VA 22119-IM 
Send Payments To: 
Navy FOENESI 
M. BOX= 
fawrinerd VA 22119M 
To view your account 
online visa navy/Serino:4g. 
If you would Ike inlomiatien about 
ertdil counselng sonic... go to 
htlps./hvivwpshoe.gewfusHisl. 
eredil.cconseling-agencin. 
approved-pursuard.11.uso.111 
or CBI I-888-503-7108. 
IMPORTANTNOTICES 
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. 
'NOTICE' YOUR ACCOUNT IS PAST DUE. PLEASE REMIT YOUR PAYMENT ONLINE AT NAVYFEDERALORG. OR BY PHONE TOLL•FREE 
AT 1.800.338•3787. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PIA, AND 
WEEKENDS BETWEEN 9:00 AM AND S:30 PM. EASTERN TIME. IF YOU HAVE ALREADY REMITTED YOUR PAYMENT. PLEASE 
DISREGARD THIS NOTICE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS. 
MISSED PAYMENTS. OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. THANK YOU. 
REWARD POINT SUMMARY 
Start Balance 
Earned 
Bonus 
2.880 
0 
0 
Redeemed 
Adjusted 
Expired/Purged 
End Balance 
0 
0 
0 
2.880 
Redemptions are not permitted on dosed or delinquent accounts. 
Navy Federal Credit Union 
SP 001 
EFTA00133838

P
NrCU ACCOUNT NO. 
RANKMATE 
NAMC ifiRST 
• 
CREDIT CARD CHANGE OF ADDRESS 
VISA ACCOUNT NO. 
LAST 
SUFFIX, 
NETNADDRESS 
Ll I Y 
SIAIE 
OP LIME 
APPUCANT OR CO-APPUCANT SIGNATURE 
THIS ADDRESS CHANGE IS APPLIC.ARLE TO: 
NSA ONLY 
• 
ALL APPLICANT'S MCC ACCOUNTS 
• 
Muni OwNFRIS)-iF NFCti SAVINGS IS A .KoNT ACCCit INT 
HOME TELEPHONE 
INCUR TELEPHONE 
Information About Your Visa " 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 
Cotect internationally 
1-703.255.8837 
For toll free numbers when OverSeaS. 
nayWederel OrgrOverrean 
Emergency ASSiStanCe  
 ..1.80O-VISA'911 
Emergency Assistance (Aran Overseas, Call aka) 
I-41O.581.9994 
Variable Rate Information: Your Standard APR will vary based on the U.S. Prime Rate. 
Ths means stir APR could increase if the U.S. Prime Rate increases or decease g the 
V.S. Mille Rate decreases. An increase a decrease in your APR will ailed the total 
anoint of interest you pay. Your APR is ad)usted monthly CO the first buSinaS day ci the 
moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wall 
Street Journelon the first day of the previous month. Your Margin is a percentage amount 
that we determine based on an evaluation of you credit history. 
Payments: Pamela may be made by mail, electronic transfer, or at a branch in person. 
NI payments must be made In U.S. dada. Par
aiS you mail must be addressed to Navy 
Federal, `Boa 
Merrifield, VA 22119
 Payments we receive by mail at this 
address by 5:00 pm ET will be credited the same day. In scene cases, available credit may 
be delayed until the payment is verified. Mailed payments to your Credit card account may 
net be commingled with funds designated fa credit to other Navy Federal accounts. We 
will accept late Cr partial payments without forfeiting any of Navy Federars rights under 
de Agreement. Payments that are marked "paid in full' and that are of an amount less 
than the balancer:4, the credit Card aCCOuilt
r that are Marked war any Other retrieve 
endorsements, should be sent toe. 
Box 
=
,
 
Medfield, VA 22119, Atm. Credit Card 
Division. 
Transactions Made In Foreign Carnality: All Visa purchases and cash advances will 
be tilled to you in U.S. dollars. The rate a exchange used for processing international 
transactions is a rate selected by Visa from the range of rates available in wholesale 
arrency ma wets for the applicable central praesang date, which rate may vary from the 
rate Visa Calf receives or the gwernment-mandated rate In effect for the applicable 
central povecing date. 
Paying Interest Your due date is at least 25 days after the close of each billing Lytle. 
We will net 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 decks on the transaction date. 
ATM Cash Advance Fees: None Y performed at a Navy Federal branch a 
ATM. 
Otherwise $0.50 per domestic transaction or $1.00 per overseas transactkn. If you use 
your card at an ATM not operated by Navy Federal, you may be charged an ATM fee by 
the owner a the ATM. 
Now We Determine The Amount Of Interest Charges: Nary Federal calculates 
Interest charges on 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 teeming balance a you account each day, add new purchases 
and cash advances, and subtract any payments, aedits, and unpaid interest charges to 
give us the day balance. That, we add up all a the daily balances for the biting cycle 
and divide the total by the number a days in the Ming cycle. This gives us the average 
daily balance. You can find your 'average daily balance' for each Ming cycle in the 
13alanCe Sublet W Interest Rate' column Of you Statement. 
Payment Allocation: In general, we WI apply your minimum payment to the overlime 
fl
int (if any), interest, and fees Mt before applying it to principal balances. If your 
account has balances with different APRs, we war apply the Minimal, payment rust to the 
balance with the lowest APR before balances with higher APRs. My payment amount in 
access of the minimum payment Mil be allocated to the balance with the Nghest APR and 
any remaining portico to the other balances in descending order based on APR 
C 2017 Navy Federal haat SW/ (1217) 
Pay 2ol 4 
Billing Rights Summary 
Whet no Do a You Milk You Find a Mistake on Your Statement 
If you think there is an snit on your sratenent, write to us at: 
Navy Fedival Credit Union 
Sex 
Menden, VA 22119 
You may also contact us electrenicaIN through Online Banking atnareederal.org. 
In your letter, give us the following laOrMatiOn: 
• Account urformetion: Your rare and account Wilber 
• Doyle amount The Mar amosnt of tie suspected error 
• DeseriprMn of problem: If you think there is an prof on your NIL describe what you 
believe is wrong and why you believe it is a mistake. 
You must contact us within 60 days alter the error appeared on your statement. 
You must notify us of any potential errors in writing or electronically. You may call us, at 
▪ you do, we are not reguked to kweStigate any potential errors, and you may have to 
pay the amount in question. 
1Vite rte investigate whether a net there has been 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 on your statement, and we may contoue to charge 
you interest on that amount. But, if we determine that we made a neAtake, you will net 
have to pay the amount in question or any interest Or Other fees related to that 
Meat 
• While you do net have to pay the amount in question, yOu are responsible for the 
reminder of your balance. 
• We can apply any unpaid null aganst your at& lint 
Your RightsI You Are Dissatisfied Wfh Your Crude Card Purchases 
If you are dasatisted with the goods Or services that you have purrJused with you athil 
cad, NO you have tried in good faith to cared the problem with the merchant, you may 
have the rigM not to pay the remaining amount due on the purchase. 
To use this right, all of the loathing must be true: 
1. The purchase must have been made n you home state a stain 100 ages Of your 
anent mailing address, and the purchase price must have been more than $50. 
(Nate Nether of these is necessary V your purchase was based on an advertisement 
we mailed to you, a n we own the company that sdd you the goods a ServiOn.) 
2. You must have used your aedit card fa the purchase. PurChaSeS made with cash 
advances from an ATM or with a dark that accesses your Credit Cad account do net 
nudity. 
3. You must not yet have fully paid for the purchase. 
U all of the area above are met and you are still dissatisfied wall the purchase, contact 
us in wiling or electronically at: 
Nary Federal Oedit Union 
.• 
Box 
Merged, VA 22119 
You may also contact us electronically through Online Banking atnavyfederal.org. 
wink we investigate, the same ruleS apply to the deputed amount as CISCuSSed above. 
Me we finish Our investigadon, we will tell you our decent,. At that pant, T we think 
you Owe an Mount and you dO net pay, we may report you as delinquent. 
Navy Federal Credit Union 
SP 001 
EFTA00133839

NAVY e'
FEDERAL 
Credit Union 
Rewards Details 
Rewards for Mar 2019 
Restaurants 
Qualified Spend 
S0.00 
02 3x 
Gas Stations 
WOO 
@ 2x 
9 Rewards Visa 
=I 
Paso 3 of.. 
Rewards Points 
0 
0 
Other Eligible Purchases 
$0.00 
0 
Total This Period 
Total Reward Year to Date 
$0.00 
0 
$0.00 
TRANSACTIONS 
a 
FEES 
Thula Date Post Date Reference No. 
Description 
03/15/19 
03/15/19 
INTEREST CHARGED 
PMT PROTECTION PLAN PRIMARY LIFE/DISAU 
TOTAL FEES 
Description 
INTEREST CHARGE-PURCHASES 
TOTAL INTEREST 
2019 TOTALS YEAR-TO-DATE 
Total Fees charged in 2019 
Total Interest charged el 2019 
$40 48 
$111.11 
Amount 
58.87 
$6.67 
Amount 
$38.81 
$36.61 
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 
Purchases 
18.00%(v) 
$2.453S7 
536.81 
Cash Advances 
18.00% (v) 
$0.00 
$0.00 
Bal TrliCcnv Chic' 
(v) = Variable Rate 
18.00% (v) 
$0.00 
$0.00 
• 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. 
Planning a summer 
vacation? 
Use your Navy Federal 
Credit Card to book with 
Member Deals and get 
extra perks: 
• Earn up to ISX 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 
EFTA00133840

Visa 
Navy Federal Credit Union 
SP 001 
EFTA00133841

NAVY 3 
FEDERAL 
Credit Union 
MINIMUM 
PAYMENT DUE 
102.00 
eRewards Visa 
PAST DUE 
PAYMENT 
PAYMENT 
DUE DATE 
NEW 
BALANCE 
ACCOUNT NUMBER 
AMOUNT 
ENCLOSED 
51.00 
05/14/2019 
2,543.55 
xxxx xxxx xxxx 
PLEASE MAKE CHECK PAYABLE AND MAIL TO: 
NAVY FEDERAL 
M. BOX 
MERRIFIELD VA 22119M 
PLEASE INDICATE CHANGE OF ADDRESS ON REVERSE. 
A 
EXT APT 410 
MIDDLETOWN NY 10940-2589 
XX XX XX XXXXXXXXXXX XX XX XX XX XXXXXXXXXXX XX XX XX XX XXXXX 
ACCOUNT NUMBER 
aux 5coet sox 
ACCESS NUMBER 
1764349 
SUMMARY OF ACCOUNT ACTIVITY 
Previous Balance 
$2.534.51 
Payments 
$50.00 
Other Credits 
-$0.00 
Purchases 
+$15.13 
Cash Advances 
+$0.00 
Fees Charged 
+$8.89 
Interest Charged 
+$37.02 
New Balance 
$2,543.55 
Past Due Amount 
$51.00 
Credit Limit 
$2,500.00 
Available Credit 
NONE 
Cash Limit 
$1,250.00 
Available Cash 
$0.00 
Statement Closing Date 
04/17/2019 
Days In Billing Cycle 
31 
et 001.4250 
PAYMENT INFORMATION 
New Balance 
$2,543.55 
Minimum Payment Due 
$102.00 
Payment Due Date 
05/14/2019 
Late Payment Warning:lf we do not receive your 
mirtmum payment by the date listed above, you may 
have to pay a $20.00 Isle 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 mare in 
interest and it will take you longer to pay ofr your 
balance. For example: 
If you make no 
You wll pay off 
adMionel charges 
the balance
using ths card 
shown on this 
Ind each month 
- - 
statement n 
You pay... 
Only the minimum 
PrWment 
And you wil end 
up paying an 
estmaled 
total of... 
about 
22 yearn 
57.618 
OFbnerds Visa 
Piga 1 old 
QUESTIONS 
Credit Card Services 
1.deddaa.6328 
Send Billing Inquiries To: 
Navy Federal Credit Linton 
Bea 
MerrMerd VA 22119M 
Send Payments To: 
Navy Federal 
Clos= 
Menilleid VA 22119M 
To view your account 
online Wed nevyleder•10.9. 
Il you would Ike milornialicci about 
credil counseing senriees. go to 
Mtgs./Wiwi rusece.govfusblisl• 
credecconseling-agenoes• 
approved-punuant.11.use111 
or call 1-888-503-7106. 
IMPORTANT NOTICES 
'NOTICE' YOUR ACCOUNT IS PAST DUE PLEASE REMIT YOUR PAYMENT ONLINE AT NAVWEDERALORG. OR BY PHONE TOLL.FREE 
AT 1.600336-3767. REPRESENTATIVES ARE AVAILABLE TO ASSIST YOU WEEKDAYS BETWEEN 8:00 AM AND 11:00 PM, AND 
WEEKENDS BETWEEN 9:00 AM AND 5:30 PM. EASTERN TIME. IF YOU HAVE ALREADY REIMTTED YOUR PAYMENT. PLEASE 
DISREGARD THIS NOTICE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO THE CREDIT BUREAUS. LATE PAYMENTS. 
MISSED PAYMENTS. OR OTHER DEFAULTS ON YOUR ACCOUNT MAYBE REFLECTED IN YOUR CREDIT REPORT. THAW( YOU. 
REWARD POINT SUMMARY 
Start Balance 
Earned 
Bonus 
2.880 
30 
Redeemed 
Adjusted 
Expired/Purged 
End Balance 
0 
0 
0 
0 
2,910 
Redemptions are not permitted on dosed or delinquent accounts. 
Rewards Details 
Rewards for Apr 2019 
Qualified Spend 
Rewards Points 
Restaurants 
$0.00 
© 3x 
0 
Gas Stations 
$15.13 
© 2x 
30 
Other Eligible Purchases 
$0.00 
0 
Total This Period 
515.13 
30 
Total Reward Year to Date 
515.13 
30 
Navy Federal Credit Union 
SP 001 
EFTA00133842

P
NrCU ACCOUNT NO. 
RANKMATE 
NAMC ifiRST 
• 
CREDIT CARD CHANGE OF ADDRESS 
VISA ACCOUNT NO. 
LAST 
SUFFIX, 
NETNADDRESS 
Ll I Y 
SIAIE 
OP LIME 
APPUCANT OR CO-APPUCANT SIGNATURE 
THIS ADDRESS CHANGE IS APPLIC.ARLE TO: 
NSA ONLY 
• 
ALL APPLICANT'S MCC ACCOUNTS 
• 
Muni OwNFRIS)-iF NFCti SAVINGS IS A .KoNT ACCCit INT 
HOME TELEPHONE 
INCUR TELEPHONE 
Information About Your Visa " 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 
Cotect internationally 
1-703.255.8837 
For toll free numbers when OverSeaS. 
nayWederel OrgrOverrean 
Emergency ASSiStanCe  
 ..1.80O-VISA'911 
Emergency Assistance (Aran Overseas, Call aka) 
I-41O.581.9994 
Variable Rate Information: Your Standard APR will vary based on the U.S. Prime Rate. 
Ths means stir APR could increase if the U.S. Prime Rate increases or decease g the 
V.S. Mille Rate decreases. An increase a decrease in your APR will ailed the total 
anoint of interest you pay. Your APR is ad)usted monthly CO the first buSinaS day ci the 
moth; it is determined by addng a Margin to the U.S. Prime Rate pubished in the Wall 
Street Journelon the first day of the previous month. Your Margin is a percentage amount 
that we determine based on an evaluation of you credit history. 
Payments: Pamela may be made by mail, electronic transfer, or at a branch in person. 
NI payments must be made In U.S. dada. Par
aiS you mail must be addressed to Navy 
Federal, `Boa 
Merrifield, VA 22119
 Payments we receive by mail at this 
address by 5:00 pm ET will be credited the same day. In scene cases, available credit may 
be delayed until the payment is verified. Mailed payments to your Credit card account may 
net be commingled with funds designated fa credit to other Navy Federal accounts. We 
will accept late Cr partial payments without forfeiting any of Navy Federars rights under 
de Agreement. Payments that are marked "paid in full' and that are of an amount less 
than the balancer:4, the credit Card aCCOuilt
r that are Marked war any Other retrieve 
endorsements, should be sent toe. 
Box 
=
,
 
Medfield, VA 22119, Atm. Credit Card 
Division. 
Transactions Made In Foreign Carnality: All Visa purchases and cash advances will 
be tilled to you in U.S. dollars. The rate a exchange used for processing international 
transactions is a rate selected by Visa from the range of rates available in wholesale 
arrency ma wets for the applicable central praesang date, which rate may vary from the 
rate Visa Calf receives or the gwernment-mandated rate In effect for the applicable 
central povecing date. 
Paying Interest Your due date is at least 25 days after the close of each billing Lytle. 
We will net 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 decks on the transaction date. 
ATM Cash Advance Fees: None Y performed at a Navy Federal branch a 
ATM. 
Otherwise $0.50 per domestic transaction or $1.00 per overseas transactkn. If you use 
your card at an ATM not operated by Navy Federal, you may be charged an ATM fee by 
the owner a the ATM. 
Now We Determine The Amount Of Interest Charges: Nary Federal calculates 
Interest charges on 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 teeming balance a you account each day, add new purchases 
and cash advances, and subtract any payments, aedits, and unpaid interest charges to 
give us the day balance. That, we add up all a the daily balances for the biting cycle 
and divide the total by the number a days in the Ming cycle. This gives us the average 
daily balance. You can find your 'average daily balance' for each Ming cycle in the 
13alanCe Sublet W Interest Rate' column Of you Statement. 
Payment Allocation: In general, we WI apply your minimum payment to the overlime 
fl
int (if any), interest, and fees Mt before applying it to principal balances. If your 
account has balances with different APRs, we war apply the Minimal, payment rust to the 
balance with the lowest APR before balances with higher APRs. My payment amount in 
access of the minimum payment Mil be allocated to the balance with the Nghest APR and 
any remaining portico to the other balances in descending order based on APR 
C 2017 Navy Federal haat SW/ (1217) 
Pay 2ol 4 
Billing Rights Summary 
Whet no Do a You Milk You Find a Mistake on Your Statement 
If you think there is an snit on your sratenent, write to us at: 
Navy Fedival Credit Union 
Sex 
Menden, VA 22119 
You may also contact us electrenicaIN through Online Banking atnareederal.org. 
In your letter, give us the following laOrMatiOn: 
• Account urformetion: Your rare and account Wilber 
• Doyle amount The Mar amosnt of tie suspected error 
• DeseriprMn of problem: If you think there is an prof on your NIL describe what you 
believe is wrong and why you believe it is a mistake. 
You must contact us within 60 days alter the error appeared on your statement. 
You must notify us of any potential errors in writing or electronically. You may call us, at 
▪ you do, we are not reguked to kweStigate any potential errors, and you may have to 
pay the amount in question. 
1Vite rte investigate whether a net there has been 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 on your statement, and we may contoue to charge 
you interest on that amount. But, if we determine that we made a neAtake, you will net 
have to pay the amount in question or any interest Or Other fees related to that 
Meat 
• While you do net have to pay the amount in question, yOu are responsible for the 
reminder of your balance. 
• We can apply any unpaid null aganst your at& lint 
Your RightsI You Are Dissatisfied Wfh Your Crude Card Purchases 
If you are dasatisted with the goods Or services that you have purrJused with you athil 
cad, NO you have tried in good faith to cared the problem with the merchant, you may 
have the rigM not to pay the remaining amount due on the purchase. 
To use this right, all of the loathing must be true: 
1. The purchase must have been made n you home state a stain 100 ages Of your 
anent mailing address, and the purchase price must have been more than $50. 
(Nate Nether of these is necessary V your purchase was based on an advertisement 
we mailed to you, a n we own the company that sdd you the goods a ServiOn.) 
2. You must have used your aedit card fa the purchase. PurChaSeS made with cash 
advances from an ATM or with a dark that accesses your Credit Cad account do net 
nudity. 
3. You must not yet have fully paid for the purchase. 
U all of the area above are met and you are still dissatisfied wall the purchase, contact 
us in wiling or electronically at: 
Nary Federal Oedit Union 
.• 
Box 
Merged, VA 22119 
You may also contact us electronically through Online Banking atnavyfederal.org. 
wink we investigate, the same ruleS apply to the deputed amount as CISCuSSed above. 
Me we finish Our investigadon, we will tell you our decent,. At that pant, T we think 
you Owe an Mount and you dO net pay, we may report you as delinquent. 
Navy Federal Credit Union 
SP 001 
EFTA00133843