This is an FBI investigation document from the Epstein Files collection (FBI VOL00009). Text has been machine-extracted from the original PDF file. Search more documents →
FBI VOL00009
EFTA00133624
361 pages
Page 221 / 361
NAVY FEDERAL Credit Union TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By Amount 03123119 03/25/19 74060969064090617401625 PAYMENT RECEIVED xxtor xxxx xxxx = $50.00 TOTAL PAYMENTS AND CREDITS $50.00 ©Penerds Visa P1913 TRANSACTIONS A xxxx ram xxxx I= Tuns Date Poet Date Reference No. Description Amount 04/03119 04iO4/19 24122549094744033008876 BPW5053345VERRAZANO SERV BROOKLYN NY S15.13 TOTAL New Activity for A 815.13 FEES Trans Date Post Date Reference No. 04117/19 04/17/19 INTEREST CHARGED Description Amount PMT PROTECTION PLAN PRIMARY LIFODIS/IU 56.89 TOTAL FEES $6.89 Description Amount INTEREST CHARGE-PURCHASES S37.02 TOTAL INTEREST $37.02 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged in 2019 $47.37 5148.13 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 Puthases 18.00%(v) 52467.57 537.02 Cash Maces 18.00% (v) $0.00 S0.00 BS Tuft-envChM 18.00% (v) $0.00 S0.00 (v) = Variable Rate • Bal Trf/Ccrtv 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. Navy Federal Credit Union SP 001 EFTA00133844
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Visa Navy Federal Credit Union SP 001 EFTA00133845
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NAVY 3 FEDERAL Credit Union MINIMUM PAYMENT DUE eRewards Visa PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED 102.00 51.00 06/14/2019 2,536.68 xxxx xxxx xxxx PLEASE MAKE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL M. BOX MERRIFIELD VA 22119-= PLEASE INMATE 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 xxxx =cc aux ACCESS NUMBER 1764349 SUMMARY OF ACCOUNT ACTIVITY Previous Balance $2,543.55 Payments -$51.00 Other Credits -$0.00 Purchases +50.00 Cash Advances +$0.00 Fees Charged +$8.88 Interest Charged +$37.25 New Balance $2,536.68 Past Due Amount $51.00 Over Limit Amount $38.68 Credit Limit 52,500.00 Available Credit NONE Cash Limit $1,250.00 Available Cash $0.00 Statement Closing Date 05/17/2019 Days In Billing Cycle 30 PAYMENT INFORMATION New Balance $2,536.68 Minimum Payment Due $102.00 Payment Due Date 06/14/2019 Late Payment Warning:lf we do not receive your minmum 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 veil take you longer to pay off your balance. For example: Ifyoumake no You wll pay off additional charges the balance using Ms card shown on this rid each month - - statement n You pay... Only the minimum PaYmenl about.. And you wil end up paying an estimated Iola! of... 22 years 17.581 • t 0046621 OFbnerds Visa Paoli as QUESTIONS Credit Card Services 1488442.6328 Send Billing Inquiries To: Navy Federal Credit Union Box MerrMe/d VA 22119-IM Seed Pegmatite To: Navy Federal M. UK= morrow VA 22119M To view your account Online Weil neyyfilderel4refa If you would Ike inlomialicci about aedil counseIng seivices. go to Mag./hew* justCe.govfuslaid• eredil.cconseting-agencias• approved-pursuant.11.use>111 Cr call I -868-503-710B. IMPORTANT NOTICES 'NOTICE' YOUR ACCOUNT IS PAST DUE PLEASE REMIT YOUR PAYMENT ONLINE AT NAVYFEDERALORG. OR BY PHONE TOLL-FREE AT 1400.338-3767. REPRESENTA1TVES 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 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 i Earned Redeemed Adjusted Expired/Purged End Balance 2.910 0 0 0 0 0 Z910 Redemptions are not permitted on dosed or delinquent accounts. Rewards Details Rewards for May 2019 Qualified Spend Rewards Points Restaurants $0.00 @ 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 515.13 30 Navy Federal Credit Union SP 001 EFTA00133846
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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 EFTA00133847
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NAVY FEDERAL Credit Union TRANSACTIONS PAYMENTS AND CREDITS hen■ Date Poet Date Reference No. Description Submitted By 04123119 04423/19 74060969113090627201621 PAYMENT RECEIVED moor moor max TOTAL PAYMENTS AND CREDITS TRANSACTIONS FEES Trans Date Post Date Reference No. ©Penerds Visa nr413 err Amount 551.00 $51.00 Description Amount 05117119 05/17/19 PMT PROTECTION PLAN PRIMARY LIFE/DIS/IU TOTAL FEES INTEREST CHARGED Description Amount INTEREST CHARGE-PURCHASES TOTAL INTEREST 56.88 $6.88 537.25 $37.25 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged m 2019 55425 $185.38 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 Puchasee 18.00% (v) $2.482.76 S37.25 Cash AO/aloes 18.00% (v) $0.00 50.00 Bel TrI/CawChle (v) = Variable Rate 18.00%(v) $0.00 50.00 • Bal TrUCcenr Chk = Balance Transfer or Convenience Check. There is no grace period to avoid interesL Interest is assessed from the transaction date to the date the amount is paid in full. Navy Federal Credit Union SP 001 EFTA00133848
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Visa Navy Federal Credit Union SP 001 EFTA00133849
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NAVY 3 FEDERAL Credit Union MINIMUM PAYMENT DUE el:79.430[1s Visa PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE 50.00 0.00 07/14/2019 2,478.27 PLEASE MAKE CHECK PAYABLE AND MP& TO: NAVY FEDERAL M. BOX MERRIFIELD VA 22119-= ACCOUNT NUMBER AMOUNT ENCLOSED xxxx xxxx xxxx 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 sax scam= ACCESS NUMBER 1764349 SUMMARY OF ACCOUNT ACTIVITY Previous Balance $2.536.68 Payments -$102.00 Other Credits -$0.00 Purchases +$0.00 Cash Advances +$0.00 Fees Charged +$6.72 Interest Charged +$36.87 New Balance 52.478.27 Past Due Amount $0.00 Over Limit Amount $0.00 Credit Limit $2,500.00 Available Credit $21.73 Cash Limit $1,250.00 Available Cash $21.73 Statement Closing Date 06/17/2019 Days In Billing Cycle 31 PAYMENT INFORMATION New Balance $2,478.27 Minimum Payment Due $50.00 Payment Due Date 07114/2019 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 additional charges mem Ms card and each month you Pay.. Only the rnnimum payment end and you will YoNuewbaillpanaYcecif up paying an shown on this esbnialed statement n Iola, of-. about.. 22 years $7.519 $3.240 S90 3 years (Savoys • $4.269) t 0014094 OFbnerds Visa Page 1 old QUESTIONS Credit Card Services L6064342.6328 Send Billing Inquiries To: Navy Federal Credit Union Box PAArrIMR0 VA 22119-IM Send Payments To: Navy Federal M. Boxes morrow VA 22119-= To new your account online visa navy/S*0040V II you uvula Ike intomialicri about aedil counseing seivices. go to htlps.ihvivoirustce.gov/usblisti credgcconseling-agendesi approved-pursuant.11iuso-111 ix call 1-868-503-7106. REWARD POINT SUMMARY Start Balance Earned Bonus Redeemed 2.910 0 0 0 Redemptions are not permitted on closed or delinquent accounts. Adjusted 0 Expired/Purged End Balance 0 2,910 Rewards Details Rewards for Jun 2019 Qualified Spend Rewards Points Restaurants $0.00 @ 3x 0 Gas Stations $0.00 @ 2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date 010.13 30 Navy Federal Credit Union SP 001 EFTA00133850
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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 EFTA00133851
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NAVY FEDERAL Credit Union TRANSACTIONS PAYMENTS AND CREDITS Trans Data Post Date Reference No. Description Submitted By 05123/19 05/23/19 74080959143090740411622 PAYMENT RECEIVED xm mcxx max 05/31/19 05/31/19 74050%915109151748M27 PAYMENT RECEIVED mom xca max TOTAL PAYMENTS AND CREDITS TRANSACTIONS FEES Trans Date Post Date Reference No. Description 06117/19 06/17/19 PMT PROTECTION PLAN PRIMARY LIFE/DISAU TOTAL FEES Amount Visa 514.79 $87.21 $102.00 INTEREST CHARGED Amount 56.72 $6.72 Description Amount INTEREST CHARGE-PURCHASES $36.87 TOTAL INTEREST $36.67 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 560.97 Total Interest charged i12019 5222.25 INTEREST CHARGE CALCULATION (APR) Is the annual Interest rate on your account Your Annual Percentage Rate Annual Percentage Rate Balance Subject to Type of Balance (APR) Interest Rate Interest Charge Puthasee 18.00% (v) 52.457.72 $36.87 Cash Achs-ices 18.00% (v) $0.00 S0.00 Baer TrliCaw Chit (v) = Variable Rate 18.00% (v) $0.00 S0.00 • 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. Navy Federal Credit Union SP 001 EFTA00133852
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Visa Navy Federal Credit Union SP 001 EFTA00133853
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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 08/14/2019 2,521.74 xxxx xxxx xxxx PLEASE MARE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL M. BOX MERRIFIELD VA 22119-= 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 xxxx 'cox mom ACCESS NUMBER 1764349 SUMMARY OF ACCOUNT ACTIVITY Previous Balance 32.47827 Payments -$0.00 Other Credits -$0.00 Purchases +$0.00 Cash Advances +30.00 Fees Charged +36.84 Interest Charged +336.63 New Balance 32.521.70 Past Due Amount $50.00 Over Limit Amount $21.74 Credit Limit $2,500.00 Available Credit NONE Cash Limit $1,250.00 Available Cash $0.00 Statement Closing Date 07117/2019 Days In Billing Cycle 30 PAYMENT INFORMATION New Balance 32,521.74 Minimum Payment Due $101.00 Payment Due Date 08/14/2019 Late Payment Warning:lf we do not receive your min.:num 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 wit pay off charges the balance using ths card endears month You Pay-. Only the minimum Payment shown on thin statements about.. 22 yews And you wit end up paying an estrnaled lolal of... 57.530 t 0014065 OFbnerds Visa Riga 1 old QUESTIONS Credit Card Services 1.888442.6328 Send Billing Inquiries To: Navy Federal Credit Union Box= fMe/d VA 22119M Send Payments To: Navy Federal M. Sex= weave VA 22119M To view yam account MEM visll nevylederalsOrts Fe, onlormsbAn about credd CEATATANI Tvwces. you may go Io IMO away. lustietgoveusti IlilciedeltounsalIntaGonclos. APProved.pursuom.11.utc411. of calli-E04403-7I08. IMPORTANT NOTICES 'NOTICE' PLEASE REMIT YOUR PAYMENT ONLJNE AT NAVYFEDERAL.ORG. OR BY PHONE TOLL-FREE AT 1.100836-3767. 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. 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 2.910 0 Bonus 0 Redeemed 0 Adjusted Expired/Purged End Balance 0 0 2,910 Redemptions ere not permitted on dosed or delinquent accounts. Rewards Details Rewards for Jul 2019 Qualified Spend Rewards Points Restaurants WOO @ 3x 0 Gas Stations 30.00 © 2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $15.13 30 Navy Federal Credit Union SP 001 EFTA00133854
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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 EFTA00133855
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NAVY FEDERAL Credit Union TRANSACTIONS FEES Tnum Date Post Date Reference No. 07/17/19 07/17/19 INTEREST CHARGED el , Visa Description Amount PMT PROTECTION PLAN PRIMARY LIFE/DISAU S6.84 TOTAL FEES $6.84 Description INTEREST CHARGE-PURCHASES TOTAL INTEREST 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged m 2019 $87.81 $258.88 Amount S36.63 $36.63 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 Puthasee 18.00%(v) 52441.40 536.63 Cash ArNances 18.00% (v) $0.00 $0.00 Bal Trlitaw Chic' 18.00% (v) $0.00 S0.00 (v) = Variable Rate • 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. Navy Federal Credit Union SP 001 EFTA00133856
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Visa Navy Federal Credit Union SP 001 EFTA00133857
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NAVY 3 FEDERAL Credit Union MINIMUM PAYMENT DUE eRewards Visa PAST DUE PAYMENT PAYMENT DUE DATE NEW BALANCE ACCOUNT NUMBER AMOUNT ENCLOSED 102.00 51.00 09/14/2019 2,515.29 xxxx xxxx xxxx PLEASE MARE CHECK PAYABLE AND MAIL TO: NAVY FEDERAL M. BOX MERRIFIELD VA 22119M PLEASE INMATE 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 woe 'cox mc.rx ACCESS NUMBER 1764349 SUMMARY OF ACCOUNT ACTMTY Previous Balance $2,521.74 Payments -$50.00 Other Credits $0.00 Purchases +50.00 Cash Advances 440.00 Fees Charged +$6.82 Interest Charged +$36.73 New Balance $2,515.29 Past Due Amount $51.00 Over Limit Amount $15.29 Credit Limit $2,500.00 Available Credit NONE Cash Limit $1,250.00 Available Cash $0.00 Statement Closing Date 08/17/2019 Days In Billing Cycle 31 PAYMENT INFORMATION New Balance $2,515.29 Minimum Payment Due $102.00 Payment Due Date 09/14/2019 Late Payment Warning:lf we do not receive your minmum 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: you make no You wll pay off additional charges the balance using ths card end each month You PaY Only the internam Payment shown on this statement ri about.. 22 years And you ail end up paying an esbnialed Iola of... 57.503 • t 0046496 OFbnerds Visa Riga 1 old QUESTIONS Credit Card Services L683442.6328 Send Billing Inquiries To: NMI Federal Credit Union Box MerrMe/d VA 22119M Send Payments To: Navy Federal Boxes Merriller4 VA 22119M To now yam account online visit nsvylederalsOrg. Fe' onlomutasn about credd Ceunseane services. you may go to hup Hare lustioe.govetaU EsictsclOcounsalintaGoncles. APProved.pursuom.thuso:111. or call1404403-7I 06. IMPORTANT NOTICES 'NOTICE' PLEASE REMIT YOUR PAYMENT ONLJNE AT NAVYFEDERAL.ORG. OR BY PHONE TOLL-FREE AT 1.600-3364767. 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. 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 2.910 0 Bonus 0 Redeemed 0 Adjusted Expired/Purged End Balance 0 0 2,910 Redemptions are not permitted on dosed or delinquent accounts. Rewards Details Rewards for Aug 2019 Qualified Spend Rewards Points Restaurants WOO @ 3x 0 Gas Stations $0.00 0 2x 0 Other Eligible Purchases $0.00 0 Total This Period $0.00 0 Total Reward Year to Date $15.13 30 Navy Federal Credit Union SP 001 EFTA00133858
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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 EFTA00133859
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NAVY FEDERAL Credit Union TRANSACTIONS PAYMENTS AND CREDITS Trans Date Post Date Reference No. Description Submitted By 07/26119 07/26/19 74050969207091551131625 PAYMENT RECEIVED sax max max TOTAL PAYMENTS AND CREDITS TRANSACTIONS FEES Trans Date Post Date Reference No. ©Penerds Visa P1913 Amount S50.00 $50.00 Description Amount 08116119 08/16/19 PMT PROTECTION PLAN PRIMARY LIFE/DISAU TOTAL FEES INTEREST CHARGED 56.82 $6.82 Description Amount INTEREST CHARGE-PURCHASES 536.73 TOTAL INTEREST $36.73 2019 TOTALS YEAR-TO-DATE Total Fees charged in 2019 Total Interest charged m 2019 $74.63 $295.61 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 Char! Puchases 18.00% (v) 52.448.24 $36.73 Cash Adeances 18.00% (v) $0.00 S0.00 Bel TrliCaw Chic' (v) = Variable Rate 18.00%(v) $0.00 S0.00 • Bal TrUCcenr 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. Navy Federal Credit Union SP 001 EFTA00133860
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Visa Navy Federal Credit Union SP 001 EFTA00133861
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MR 1764349 Ganial Monte' Information MOOLETOMI NY I M40.2914 Ackint.slesit Co-on0.112Q4nal Navy Federal Credit Union SP 001 EFTA00133862
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a ,...nT iliT•44."9":"7 ai r *in zarmarriejas, - Navy Federal Credit Union SP 001 EFTA00133863