Page 1 of 4

Statement of Account

Statement Period
01/13/24 - 02/12/24

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000FME90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $49.58 - $1,896.50 $1,904.42 $57.50 - $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $44.58 - $1,896.50 $1,904.42 $52.50 - $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
01/13/24 - 02/12/24

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

01-13 Beginning Balance 49.58 -

01-19 POS Credit Adjustment 1487 Transaction 01-19-24 Cash App*mark Goin San

Francisco CA 196.50 146.92

01-19 POS Credit Adjustment 1487 Transaction 01-19-24 Zelle*latour Lee Visa Direct AZ 300.00 446.92

01-19 POS Credit Adjustment 1487 Transaction 01-19-24 Zelle*kimberly PA Visa Direct CA 400.00 846.92

01-22 ATM Withdrawal 01-21-24 Pnc Bank Greensboro NC 50.00 - 796.92

01-22 ATM Withdrawal 01-19-24 Acclaim Federal Cu Greensboro NC 120.00 - 676.92

01-22 POS Debit - Debit Card 1487 Transaction 01-21-24 Wal-Mart #3658 Greensboro 3.50 - 673.42

01-22 POS Debit- Debit Card 1487 01-20-24 Tasty Grill. Greensboro NC 6.39 - 667.03

01-22 POS Debit- Debit Card 1487 01-20-24 Tasty Grill. Greensboro NC 10.64 - 656.39

01-22 POS Debit - Debit Card 1487 Transaction 01-19-24 Wal-Mart Super Center

Greensboro 13.83 - 642.56

01-22 POS Debit - Debit Card 1487 Transaction 01-20-24 Wal-Mart Super Center

Greensboro 14.77 - 627.79

01-22 POS Debit- Debit Card 1487 01-20-24 Sheetz 0472 Archdale NC 20.00 - 607.79

01-22 POS Debit- Debit Card 1487 01-19-24 Advance Auto Parts Greensboro NC 25.59 - 582.20

01-22 POS Debit- Debit Card 1487 01-21-24 Tiktok Shop Httpsshop.Tik CA 38.70 - 543.50

01-22 POS Debit- Debit Card 1487 01-19-24 Sheetz 0509 Greensboro NC 65.00 - 478.50

01-22 POS Debit - Debit Card 1487 Transaction 01-19-24 Wal-Mart Super Center

Greensboro 124.41 - 354.09

01-22 POS Debit- Debit Card 1487 01-19-24 Zelle*kimberly Fr Visa Direct NC 300.00 - 54.09

01-23 POS Debit- Debit Card 1487 01-21-24 Red Cinemas Greensboro NC 14.50 - 39.59

01-23 POS Debit- Debit Card 1487 01-22-24 Dillards 144 Four Greensboro NC 21.67 - 17.92

01-23 POS Debit - Debit Card 1487 Transaction 01-22-24 Wm Superc Wal-Mart Sup

Greensboro 22.02 - 4.10 -

01-23 POS Debit- Debit Card 1487 01-22-24 Jcpenney 1327 Greensboro NC 37.10 - 41.20 -
 Page 3 of 4

Statement Period
01/13/24 - 02/12/24

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

01-24 POS Debit- Debit Card 1487 01-22-24 Ross Stores #607 Greensboro NC 24.53 - 65.73 -

01-31 POS Credit Adjustment 1487 Transaction 01-31-24 Zelle*kimberly Fr Visa Direct NC 1,000.00 934.27

02-01 ATM Withdrawal 01-31-24 Acclaim Federal Cu Greensboro NC 300.00 - 634.27

02-01 POS Debit- Debit Card 5169 01-31-24 Pd Quix Spring Lak Spring Lake NC 8.85 - 625.42

02-01 POS Debit - Debit Card 5169 Transaction 01-31-24 Wal-Mart Super Center

Greensboro 15.65 - 609.77

02-01 POS Debit - Debit Card 5169 Transaction 01-31-24 Harris Te 305 Ivey Lan Pinehurst 21.89 - 587.88

02-01 POS Debit - Debit Card 5169 Transaction 01-31-24 Murphy7346Atwal Greensboro 30.00 - 557.88

02-01 POS Debit - Debit Card 5169 Transaction 01-31-24 Tractor S 5601 US Hwy Vass 78.51 - 479.37

02-02 POS Debit - Debit Card 5169 Transaction 02-01-24 Dollar-General # Dg 04 Aberdeen

NC 15.78 - 463.59

02-02 POS Debit - Debit Card 5169 Transaction 02-01-24 Lowes Food #261 Southern Pine 17.16 - 446.43

02-02 POS Debit - Debit Card 5169 Transaction 02-02-24 Food Lion #0674 4634-H

Greensboro 19.18 - 427.25

02-02 POS Debit- Debit Card 5169 02-02-24 Circle K # 20475 Southern Pine NC 35.00 - 392.25

02-02 POS Debit - Debit Card 5169 Transaction 02-01-24 Wal-Mart Super Center Aberdeen 56.01 - 336.24

02-02 POS Debit- Debit Card 5169 02-01-24 Www.Carthageanimal Httpswww.Cart NC 183.80 - 152.44

02-05 POS Debit- Debit Card 5169 02-03-24 Netflix.Com 866-5797172 CA 12.83 - 139.61

02-05 POS Debit- Debit Card 5169 02-02-24 Bonefish 9407 Southern Pine NC 26.50 - 113.11

02-05 POS Debit- Debit Card 5169 02-03-24 Tripps Restaurant Greensboro NC 82.04 - 31.07

02-12 ATM Fee - Withdrawal 02-09-24 Pai Iso Charlotte NC 1.00 - 30.07

02-12 ATM Fee - Inquiry 02-09-24 Pai Iso Charlotte NC 1.00 - 29.07

02-12 ATM Withdrawal 02-09-24 Pai Iso Charlotte NC 22.99 - 6.08

02-12 POS Debit- Debit Card 5169 02-09-24 Murphy7346Atwalmar Greensboro NC 63.58 - 57.50 -

02-12 Ending Balance 57.50 -

Average Daily Balance - Current Cycle: $123.45

Items Paid

Date Item Amount($) Date Item Amount($)

01-22 POS 3.50 02-01 POS 21.89

01-22 POS 6.39 02-01 POS 30.00
01-22 POS 10.64 02-01 POS 78.51
01-22 POS 13.83 02-02 POS 15.78
01-22 POS 14.77 02-02 POS 17.16
01-22 POS 20.00 02-02 POS 19.18
01-22 POS 25.59 02-02 POS 35.00
01-22 POS 38.70 02-02 POS 56.01
01-22 POS 65.00 02-02 POS 183.80
01-22 POS 124.41 02-05 POS 12.83
01-22 POS 300.00 02-05 POS 26.50
01-23 POS 14.50 02-05 POS 82.04
01-23 POS 21.67 02-12 POS 63.58
01-23 POS 22.02 01-22 ATMO 120.00
01-23 POS 37.10 01-22 ATMO 50.00
01-24 POS 24.53 02-01 ATMO 300.00
02-01 POS 8.85 02-12 ATMO 22.99
02-01 POS 15.65

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

01-13 Beginning Balance 5.00

No Transactions This Period

 Page 4 of 4

Statement Period
01/13/24 - 02/12/24

Access No. 13922920

Statement of Account
For MARK A GOINS

Membership Savings - 3122471604 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

02-12 Ending Balance 5.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
12/13/23 - 01/12/24

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000JMA90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Online Banking Is Getting an Exciting Upgrade!

Coming soon: an easier and more seamless online banking experience! Visit
navyfederal.org/digitalbanking for a look at the changes to come.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $151.10 $2,540.48 $2,741.16 $49.58 - $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $156.10 $2,540.48 $2,741.16 $44.58 - $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
12/13/23 - 01/12/24

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-13 Beginning Balance 151.10

12-13 POS Credit Adjustment 1487 Transaction 12-13-23 Zelle*latour Lee Visa Direct AZ 400.00 551.10

12-14 POS Debit - Debit Card 1487 Transaction 12-13-23 Wal-Mart Super Center

Greensboro 2.63 - 548.47

12-14 POS Debit- Debit Card 1487 12-14-23 Zelle*kimberly PA Visa Direct AZ 500.00 - 48.47

12-18 POS Credit Adjustment 1487 Transaction 12-16-23 Cash App*mark Goin San

Francisco CA 98.25 146.72

12-18 POS Credit Adjustment 1487 Transaction 12-18-23 Cash App*mark Goin San

Francisco CA 196.50 343.22

12-18 POS Debit- Debit Card 1487 12-15-23 Cash App*alex Dunb 800-9691940 CA 10.00 - 333.22

12-18 POS Debit - Debit Card 1487 Transaction 12-15-23 Royal Farms #31 White Marsh 21.22 - 312.00

12-18 POS Debit- Debit Card 1487 12-16-23 Cash App*malon Dio 800-9691940 CA 100.00 - 212.00

12-19 POS Credit Adjustment 1487 Transaction 12-19-23 Cash App*mark Goin San

Francisco CA 204.36 416.36

12-19 POS Debit- Debit Card 1487 12-19-23 Cash App*terra Whi 800-9691940 CA 200.00 - 216.36

12-20 POS Credit Adjustment 1487 Transaction 12-20-23 Cash App*mark Goin San

Francisco CA 294.75 511.11

12-20 POS Debit - Debit Card 1487 Transaction 12-20-23 Wal-Mart Super Center

Greensboro 1.90 - 509.21

12-20 POS Debit- Debit Card 1487 12-19-23 Cash App*gregory H San Francisco CA 100.00 - 409.21

12-22 POS Debit- Debit Card 1487 12-21-23 Biscuit King 336-9915524 NC 14.75 - 394.46

12-22 POS Debit- Debit Card 1487 12-21-23 Four Points Greens Greensboro NC 50.00 - 344.46

12-22 POS Debit- Debit Card 1487 12-20-23 Longhorn Steak 012 Greensboro NC 59.79 - 284.67

12-26 POS Credit Adjustment 1487 Transaction 12-21-23 Four Points Greens 50.00 334.67

12-26 POS Credit Adjustment 1487 Transaction 12-21-23 Four Points Greens 195.37 530.04

12-26 POS Credit Adjustment 1487 Transaction 12-26-23 Zelle*latour Lee Visa Direct AZ 200.00 730.04
 Page 3 of 4

Statement Period
12/13/23 - 01/12/24

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-26 POS Debit- Debit Card 1487 12-23-23 Cash App*deangelo 800-9691940 CA 10.00 - 720.04

12-26 POS Debit- Debit Card 1487 12-23-23 Tokyo Express I Pt Aberdeen NC 21.97 - 698.07

12-26 POS Debit- Debit Card 1487 12-21-23 Sheetz 0489 Greensboro NC 65.00 - 633.07

12-26 POS Debit- Debit Card 1487 12-21-23 Four Points Greens Greensboro NC 250.00 - 383.07

12-27 ATM Fee - Withdrawal 12-26-23 Ht071117 Clemmons NC 1.00 - 382.07

12-27 ATM Fee - Inquiry 12-26-23 Ht071117 Clemmons NC 1.00 - 381.07

12-27 ATM Fee - Denied Transaction 12-26-23 Ht071117 Clemmons NC 1.00 - 380.07

12-27 ATM Withdrawal 12-26-23 Ht071117 Clemmons NC 183.25 - 196.82

12-27 POS Debit- Debit Card 1487 12-26-23 Netflix 1 8445052993 CA 12.83 - 183.99

12-29 Dispute - Temp Credit 250.00 433.99

12-29 ATM Withdrawal 12-28-23 Pnc Bank Greensboro NC 180.00 - 253.99

01-02 POS Debit- Debit Card 1487 12-30-23 Fins Car Wash 109 704-569-3600 NC 29.99 - 224.00

01-02 POS Debit- Debit Card 1487 12-28-23 Sheetz 0548 Greensboro NC 36.00 - 188.00

01-02 POS Debit- Debit Card 1487 12-30-23 Cash App*ashawnee 800-9691940 CA 223.00 - 35.00 -

01-05 POS Credit Adjustment 1487 Transaction 01-05-24 Zelle*kimberly Fr Visa Direct NC 100.00 65.00

01-08 POS Credit Adjustment 1487 Transaction 01-06-24 Cash App*mark Goin San

Francisco CA 491.25 556.25

01-08 Deposit 01-06-24 Acclaim Federal Cu Greensboro NC 60.00 616.25

01-08 POS Debit - Debit Card 1487 Transaction 01-05-24 Sunoco 80014409 Biscoe 60.00 - 556.25

01-08 POS Debit- Debit Card 1487 01-06-24 Zelle*nina Goins Visa Direct AZ 100.00 - 456.25

01-08 POS Debit- Debit Card 1487 01-06-24 Zelle*kimberly Fr Visa Direct NC 400.00 - 56.25

01-09 POS Debit- Debit Card 1487 01-08-24 Kickback Jacks 37 Greensboro NC 25.62 - 30.63

01-12 POS Debit- Debit Card 1487 01-11-24 Experian* Credit R 479-3436237 CA 27.21 - 3.42

01-12 POS Debit- Debit Card 1487 01-10-24 Sheetz 0548 Greensboro NC 53.00 - 49.58 -

01-12 Ending Balance 49.58 -

Average Daily Balance - Current Cycle: $164.06

Items Paid

Date Item Amount($) Date Item Amount($)

12-14 POS 2.63 12-26 POS 250.00

12-14 POS 500.00 12-27 POS 12.83
12-18 POS 10.00 01-02 POS 29.99
12-18 POS 21.22 01-02 POS 36.00
12-18 POS 100.00 01-02 POS 223.00
12-19 POS 200.00 01-08 POS 60.00
12-20 POS 1.90 01-08 POS 100.00
12-20 POS 100.00 01-08 POS 400.00
12-22 POS 14.75 01-09 POS 25.62
12-22 POS 50.00 01-12 POS 27.21
12-22 POS 59.79 01-12 POS 53.00
12-26 POS 10.00 12-27 ATMO 183.25
12-26 POS 21.97 12-29 ATMO 180.00
12-26 POS 65.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-13 Beginning Balance 5.00

No Transactions This Period

01-12 Ending Balance 5.00

 Page 4 of 4

Statement Period
12/13/23 - 01/12/24

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 5

Statement of Account

Statement Period
11/13/23 - 12/12/23

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000DME90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Online Banking Is Getting an Exciting Upgrade!

Coming soon: an easier and more seamless online banking experience! Visit
navyfederal.org/digitalbanking for a look at the changes to come.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $105.74 $2,967.26 $2,921.90 $151.10 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $110.74 $2,967.26 $2,921.90 $156.10 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 5

Statement Period
11/13/23 - 12/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

11-13 Beginning Balance 105.74

11-13 POS Debit- Debit Card 1487 11-11-23 Honk Parking 866-675-7337 DE 9.75 - 95.99

11-13 POS Debit - Debit Card 1487 Transaction 11-12-23 Sheetz 0489 Greensboro NC 19.05 - 76.94

11-13 POS Debit- Debit Card 1487 11-11-23 Experian* Credit R 479-3436237 CA 24.99 - 51.95

11-13 POS Debit- Debit Card 1487 11-11-23 Straighttalk*airti 877-430-2355 FL 38.56 - 13.39

11-15 POS Credit Adjustment 1487 Transaction 11-15-23 Cash App*mark Goin San

Francisco CA 196.50 209.89

11-16 POS Debit - Debit Card 1487 Transaction 11-15-23 Autozone 5992 4626 HI

Greensboro NC 27.72 - 182.17

11-17 POS Debit- Debit Card 1487 11-16-23 Straighttalk*airti 877-430-2355 FL 4.36 - 177.81

11-17 POS Debit- Debit Card 1487 11-16-23 Zelle*kimberly Fr Visa Direct NC 150.00 - 27.81

11-20 Dispute - Permanent Refund 38.56 66.37

11-20 Deposit 11-17-23 Acclaim Federal Cu Greensboro NC 300.00 366.37

11-20 POS Debit - Debit Card 1487 Transaction 11-18-23 Wal-Mart Super Center

Greensboro 2.02 - 364.35

11-20 POS Debit- Debit Card 1487 11-17-23 Zelle*nina Goins Visa Direct AZ 200.00 - 164.35

11-22 POS Credit Adjustment 1487 Transaction 11-23-23 Zelle*sherman Har Visa Direct CA 100.00 264.35

11-22 POS Debit - Debit Card 1487 Transaction 11-21-23 Lowe's Foods #1 Greensboro 8.43 - 255.92

11-22 POS Debit- Debit Card 1487 11-21-23 Cheesecake Greensb Greensboro NC 57.43 - 198.49

11-24 POS Credit Adjustment 1487 Transaction 11-24-23 Zelle*kimberly Fr Visa Direct NC 260.00 458.49

11-24 POS Credit Adjustment 1487 Transaction 11-23-23 Zelle*latour Lee Visa Direct AZ 300.00 758.49

11-24 POS Debit - Debit Card 1487 Transaction 11-23-23 Dollar General # Dg 20 Rockwell

NC 22.95 - 735.54

11-24 POS Debit- Debit Card 1487 11-22-23 Sq *hickory Tree T Greensboro NC 28.75 - 706.79

11-24 POS Debit - Debit Card 1487 Transaction 11-22-23 Cracker Barrel # 3701

Greensboro NC 37.95 - 668.84

 Page 3 of 5

Statement Period
11/13/23 - 12/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

11-24 POS Debit- Debit Card 1487 11-23-23 Zelle*jayell Whit Visa Direct AZ 125.00 - 543.84

11-24 POS Debit- Debit Card 1487 11-24-23 Zelle*kimberly Fr Visa Direct NC 260.00 - 283.84

11-24 Transfer To Checking 260.00 - 23.84

Kimberly J Freeland

11-27 POS Credit Adjustment 1487 Transaction 11-28-23 Zelle*sherman Har Visa Direct CA 40.00 63.84

11-27 POS Debit- Debit Card 1487 11-24-23 Netflix.Com 866-5797172 CA 12.83 - 51.01

11-27 POS Debit- Debit Card 1487 11-23-23 Qt 1031 Harrisburg NC 64.72 - 13.71 -

11-28 POS Credit Adjustment 1487 Transaction 11-28-23 Zelle*en Route Xp Visa Direct AZ 1,000.00 986.29

11-29 ATM Withdrawal 11-28-23 Pnc Bank Greensboro NC 160.00 - 826.29

11-29 POS Debit- Debit Card 1487 11-28-23 Zelle*kimberly Fr Visa Direct NC 50.00 - 776.29

11-29 POS Debit - Debit Card 1487 Transaction 11-29-23 Wal-Mart Super Center

Greensboro 59.49 - 716.80

11-29 POS Debit- Debit Card 1487 11-28-23 Martinez Used Tire Greensboro NC 149.44 - 567.36

11-29 POS Debit- Debit Card 1487 11-28-23 Zelle*kimberly Fr Visa Direct NC 200.00 - 367.36

11-30 POS Debit - Debit Card 1487 Transaction 11-29-23 Wal-Mart Super Center

Greensboro 8.52 - 358.84

11-30 POS Debit- Debit Card 1487 11-29-23 Fins Car Wash 109 704-569-3600 NC 29.99 - 328.85

11-30 POS Debit - Debit Card 1487 Transaction 11-29-23 Tractor S 5601 US Hwy Vass 59.91 - 268.94

11-30 POS Debit- Debit Card 1487 11-29-23 BP#1913664Neighbor Vass NC 65.01 - 203.93

11-30 POS Debit- Debit Card 1487 11-30-23 Zelle*nina Goins Visa Direct AZ 100.00 - 103.93

11-30 POS Debit- Debit Card 1487 11-29-23 Vioc Gm0009 Greensboro NC 104.60 - 0.67 -

12-01 POS Credit Adjustment 1487 Transaction 12-01-23 Zelle*kimberly PA Visa Direct CA 40.00 39.33

12-01 POS Debit- Debit Card 1487 11-30-23 Sonic Drive IN #56 Wadesboro NC 10.89 - 28.44

12-01 POS Debit - Debit Card 1487 Transaction 11-30-23 Dollar General # Dg 16 West End

NC 12.31 - 16.13

12-01 POS Debit - Debit Card 1487 Transaction 11-30-23 Circle K # 23301 11495 Aberdeen 37.07 - 20.94 -

12-04 Deposit 12-01-23 Acclaim Federal Cu Greensboro NC 240.00 219.06

12-04 POS Debit- Debit Card 1487 12-03-23 BP#2308591Guess RD Durham NC 70.01 - 149.05

12-04 POS Debit- Debit Card 1487 12-01-23 Zelle*kimberly Fr Visa Direct NC 200.00 - 50.95 -

12-05 POS Debit- Debit Card 1487 12-05-23 Google Domains 650-2530000 CA 16.01 - 66.96 -

12-08 POS Credit Adjustment 1487 Transaction 12-08-23 Zelle*kimberly Fr Visa Direct NC 250.00 183.04

12-11 POS Debit- Debit Card 1487 12-09-23 Friendly Vape Toba Greensboro NC 3.20 - 179.84

12-11 POS Debit - Debit Card 1487 Transaction 12-09-23 Lowe's Foods #1 Greensboro 21.32 - 158.52

12-11 POS Debit- Debit Card 1487 12-08-23 Dollar General #16 West End NC 24.61 - 133.91

12-11 POS Debit- Debit Card 1487 12-08-23 Circle K # 23841 West End NC 60.02 - 73.89

12-11 POS Debit- Debit Card 1487 12-08-23 Zelle*nina Goins Visa Direct AZ 100.00 - 26.11 -

12-12 POS Credit Adjustment 1487 Transaction 12-12-23 Zelle*jayell Whit Visa Direct CA 2.10 24.01 -

12-12 POS Credit Adjustment 1487 Transaction 12-12-23 Zelle*jayell Whit Visa Direct CA 200.10 176.09

12-12 POS Debit- Debit Card 1487 12-11-23 Experian* Credit R 479-3436237 CA 24.99 - 151.10

12-12 Ending Balance 151.10

Average Daily Balance - Current Cycle: $99.94

Items Paid

Date Item Amount($) Date Item Amount($)

11-13 POS 9.75 11-20 POS 2.02

11-13 POS 19.05 11-20 POS 200.00
11-13 POS 24.99 11-22 POS 8.43
11-13 POS 38.56 11-22 POS 57.43
11-16 POS 27.72 11-24 POS 22.95
11-17 POS 4.36 11-24 POS 28.75
11-17 POS 150.00 11-24 POS 37.95
 Page 4 of 5

Statement Period
11/13/23 - 12/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Items Paid (Continued from previous page)

Date Item Amount($) Date Item Amount($)

11-24 POS 125.00 12-01 POS 10.89

11-24 POS 260.00 12-01 POS 12.31
11-27 POS 12.83 12-01 POS 37.07
11-27 POS 64.72 12-04 POS 70.01
11-29 POS 50.00 12-04 POS 200.00
11-29 POS 59.49 12-05 POS 16.01
11-29 POS 149.44 12-11 POS 3.20
11-29 POS 200.00 12-11 POS 21.32
11-30 POS 8.52 12-11 POS 24.61
11-30 POS 29.99 12-11 POS 60.02
11-30 POS 59.91 12-11 POS 100.00
11-30 POS 65.01 12-12 POS 24.99
11-30 POS 100.00 11-29 ATMO 160.00
11-30 POS 104.60

Total Total
Fee(s) this period year-to-date*

Total Returned Item Fee(s) $0.00 $29.00

*As of the first statement period that begins in January of each year.

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

11-13 Beginning Balance 5.00

No Transactions This Period

12-12 Ending Balance 5.00

 Page 5 of 5

Statement Period
11/13/23 - 12/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
10/13/23 - 11/12/23

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000NMO90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Online Banking Is Getting an Exciting Upgrade!

Coming soon: an easier and more seamless online banking experience! Visit
navyfederal.org/digitalbanking for a look at the changes to come.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $100.34 $1,700.00 $1,694.60 $105.74 $0.00
Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $105.34 $1,700.00 $1,694.60 $110.74 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
10/13/23 - 11/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

10-13 Beginning Balance 100.34

10-13 POS Debit- Debit Card 1487 10-12-23 Experian* Credit R 479-3436237 CA 24.99 - 75.35

10-16 Deposit 10-14-23 Fcjn Spout Springs, NC 200.00 275.35

10-16 POS Debit- Debit Card 1487 10-13-23 Zips #190 Ncgre_py Greensboro NC 23.00 - 252.35

10-16 POS Debit- Debit Card 1487 10-14-23 Zelle*kimberly Fr Visa Direct NC 100.00 - 152.35

10-18 POS Debit - Debit Card 1487 Transaction 10-17-23 Wal-Mart Wal-Mart Sup
Greensboro 43.59 - 108.76

10-20 Deposit 10-19-23 Fcjn Spout Springs, NC 100.00 208.76

10-20 Deposit 10-19-23 Fcja Cliffdale, NC 300.00 508.76

10-20 POS Debit- Debit Card 1487 10-19-23 Zelle*brown Make A Visa Direct AZ 25.00 - 483.76

10-20 POS Debit- Debit Card 1487 10-19-23 Zelle*kimberly Fr Visa Direct NC 350.00 - 133.76

10-23 POS Debit- Debit Card 1487 10-20-23 Cash App*malon Dio 800-9691940 CA 100.00 - 33.76

10-25 POS Debit- Debit Card 1487 10-25-23 Netflix, Inc. 186-65797172 CA 10.69 - 23.07

10-26 Deposit 10-25-23 Acclaim Federal Cu Greensboro NC 200.00 223.07

10-26 POS Debit- Debit Card 1487 10-24-23 Hardees 1667 Cameron NC 12.81 - 210.26

10-26 POS Debit- Debit Card 1487 10-25-23 Zelle*kimberly Fr Visa Direct NC 100.00 - 110.26

10-30 POS Debit- Debit Card 1487 10-28-23 Marathon Petro2191 Petersburg VA 7.36 - 102.90

10-30 POS Debit- Debit Card 1487 10-27-23 Roku For Starz 816-2728107 DE 10.68 - 92.22

10-30 POS Debit- Debit Card 1487 10-27-23 Roku For Disney El 816-2728107 DE 14.96 - 77.26

10-30 POS Debit- Debit Card 1487 10-27-23 Fins Car Wash 109 Greensboro NC 29.99 - 47.27

11-01 POS Credit Adjustment 1487 Transaction 11-01-23 Zelle*kimberly PA Visa Direct CA 400.00 447.27

11-02 Deposit 11-01-23 Fcqr Fort Lee Colonial Hght 200.00 647.27

11-02 POS Debit- Debit Card 1487 11-02-23 Eb Ghoe-Friday Nit 801-413-7200 CA 37.26 - 610.01

11-02 POS Debit- Debit Card 1487 11-01-23 Zelle*kimberly Fr Visa Direct NC 200.00 - 410.01

11-03 POS Debit- Debit Card 1487 11-02-23 Zelle*kimberly PA Visa Direct AZ 400.00 - 10.01

11-07 POS Debit- Debit Card 1487 11-07-23 Google *rolup 855-836-3987 CA 4.27 - 5.74
 Page 3 of 4

Statement Period
10/13/23 - 11/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

11-09 Deposit 11-09-23 Fcjn Spout Springs, NC 300.00 305.74

11-10 POS Debit- Debit Card 1487 11-09-23 Zelle*sherman Har Visa Direct AZ 200.00 - 105.74

11-12 Ending Balance 105.74

Average Daily Balance - Current Cycle: $106.69

Items Paid

Date Item Amount($) Date Item Amount($)

10-13 POS 24.99 10-30 POS 7.36

10-16 POS 23.00 10-30 POS 10.68
10-16 POS 100.00 10-30 POS 14.96
10-18 POS 43.59 10-30 POS 29.99
10-20 POS 25.00 11-02 POS 37.26
10-20 POS 350.00 11-02 POS 200.00
10-23 POS 100.00 11-03 POS 400.00
10-25 POS 10.69 11-07 POS 4.27
10-26 POS 12.81 11-10 POS 200.00
10-26 POS 100.00

Total Total
Fee(s) this period year-to-date*

Total Returned Item Fee(s) $0.00 $29.00

*As of the first statement period that begins in January of each year.

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

10-13 Beginning Balance 5.00

No Transactions This Period

11-12 Ending Balance 5.00

 Page 4 of 4

Statement Period
10/13/23 - 11/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 3

Statement of Account

Statement Period
09/13/23 - 10/12/23

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000OMC90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Online Banking Is Getting an Exciting Upgrade!

Coming soon: an easier and more seamless online banking experience! Visit
navyfederal.org/digitalbanking for a look at the changes to come.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $213.56 $440.00 $553.22 $100.34 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $218.56 $440.00 $553.22 $105.34 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 3

Statement Period
09/13/23 - 10/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

09-13 Beginning Balance 213.56

09-15 Paid To - Treasury Direct Treas Drct Chk 5173615 96.68 - 116.88

09-18 POS Debit- Debit Card 5487 09-17-23 Friendly Vape Toba Greensboro NC 5.54 - 111.34

09-18 POS Debit- Debit Card 5487 09-17-23 Straighttalk*airti 877-430-2355 FL 49.32 - 62.02

09-19 POS Credit Adjustment 5487 Transaction 09-19-23 Zelle*kimberly PA Visa Direct CA 140.00 202.02

09-19 POS Debit- Debit Card 5487 09-19-23 Cash App*yasmine S 800-9691940 CA 40.00 - 162.02

09-20 POS Debit- Debit Card 5487 09-19-23 Cash App*christoph 800-9691940 CA 105.00 - 57.02

09-21 POS Debit- Debit Card 5487 09-21-23 Google *domains G.CO/Helppay# CA 12.00 - 45.02

09-22 POS Debit- Debit Card 5487 09-20-23 Raleigh Street Par Raleigh NC 1.25 - 43.77

09-25 POS Debit- Debit Card 5487 09-24-23 Netflix.Com 866-5797172 CA 10.69 - 33.08

09-25 POS Debit- Debit Card 5487 09-24-23 Fins Car Wash 109 704-569-3600 NC 29.99 - 3.09

09-27 Deposit 09-26-23 Fcjn Spout Springs, NC 100.00 103.09

09-29 POS Debit- Debit Card 5487 09-28-23 Roku For Starz 816-2728107 DE 10.68 - 92.41

10-06 POS Debit - Debit Card 1487 Transaction 10-05-23 Wal-Mart Super Center

Greensboro 52.91 - 39.50

10-10 POS Credit Adjustment 1487 Transaction 10-11-23 Zelle*kimberly PA Visa Direct CA 100.00 139.50

10-10 Deposit 10-07-23 Fcjn Spout Springs, NC 100.00 239.50

10-10 POS Debit - Debit Card 1487 Transaction 10-09-23 Sheetz 0472 Archdale NC 4.26 - 235.24

10-10 POS Debit- Debit Card 1487 10-07-23 NC Sec Of State Uc 919-814-5325 NC 33.00 - 202.24

10-10 POS Debit- Debit Card 1487 10-08-23 Ihop 3153 Greensboro NC 39.40 - 162.84

10-11 POS Debit- Debit Card 1487 10-10-23 Rancho Family Rest Winston-Salem NC 12.50 - 150.34

10-11 POS Debit- Debit Card 1487 10-11-23 Cash App*stephanie 800-9691940 CA 50.00 - 100.34

10-12 Ending Balance 100.34

Average Daily Balance - Current Cycle: $87.19

 Page 3 of 3

Statement Period
09/13/23 - 10/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Items Paid

Date Item Amount($) Date Item Amount($)

09-15 ACH 96.68 09-25 POS 29.99

09-18 POS 5.54 09-29 POS 10.68
09-18 POS 49.32 10-06 POS 52.91
09-19 POS 40.00 10-10 POS 4.26
09-20 POS 105.00 10-10 POS 33.00
09-21 POS 12.00 10-10 POS 39.40
09-22 POS 1.25 10-11 POS 12.50
09-25 POS 10.69 10-11 POS 50.00

Total Total
Fee(s) this period year-to-date*

Total Returned Item Fee(s) $0.00 $29.00

*As of the first statement period that begins in January of each year.

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

09-13 Beginning Balance 5.00

No Transactions This Period

10-12 Ending Balance 5.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
08/13/23 - 09/12/23

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000SME90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Online Banking Is Getting an Exciting Upgrade!

Coming soon: an easier and more seamless online banking experience! Visit
navyfederal.org/digitalbanking for a look at the changes to come.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $25.38 $2,651.00 $2,462.82 $213.56 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $30.38 $2,651.00 $2,462.82 $218.56 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
08/13/23 - 09/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

08-13 Beginning Balance 25.38

08-14 POS Debit- Debit Card 5487 08-11-23 Experian* Credit R 479-3436237 CA 24.99 - 0.39

08-17 POS Credit Adjustment 5487 Transaction 08-17-23 Zelle*kimberly Fr Visa Direct NC 1.00 1.39

08-17 POS Credit Adjustment 5487 Transaction 08-17-23 Zelle*kimberly Fr Visa Direct NC 150.00 151.39

08-21 POS Debit- Debit Card 5487 08-21-23 Google *domains G.CO/Helppay# CA 12.00 - 139.39

08-21 POS Debit - Debit Card 5487 Transaction 08-19-23 BP#1193700Mast Lexington 50.01 - 89.38

08-22 POS Debit - Debit Card 5487 Transaction 08-21-23 Harris Teeter #8 305 I Pinehurst

NC 13.90 - 75.48

08-22 POS Debit - Debit Card 5487 Transaction 08-21-23 Harris Te 305 Ivey Lan Pinehurst 17.08 - 58.40

08-22 POS Debit - Debit Card 5487 Transaction 08-22-23 Family Dollar # Charlotte 47.70 - 10.70

08-24 Deposit 08-23-23 Fcjn Spout Springs, NC 400.00 410.70

08-24 POS Debit- Debit Card 5487 08-23-23 Zelle*jayell Whit Visa Direct AZ 200.00 - 210.70

08-25 POS Debit- Debit Card 5487 08-24-23 Netflix.Com 866-5797172 CA 10.69 - 200.01

08-25 POS Debit- Debit Card 5487 08-24-23 Fins Car Wash 109 704-569-3600 NC 29.99 - 170.02

08-28 POS Debit- Debit Card 5487 08-26-23 Roku For Starz 816-2728107 DE 10.68 - 159.34

08-28 POS Debit- Debit Card 5487 08-25-23 Circle K 06315 Archdale NC 62.88 - 96.46

08-29 POS Debit - Debit Card 5487 Transaction 08-28-23 Wal-Mart Wal-Mart Sup

Greensboro 16.82 - 79.64

08-31 POS Debit- Debit Card 5487 08-29-23 Raleigh Street Par Raleigh NC 1.50 - 78.14

09-01 POS Credit Adjustment 5487 Transaction 09-01-23 Zelle*kimberly PA Visa Direct CA 200.00 278.14

09-01 POS Credit Adjustment 5487 Transaction 09-01-23 Zelle*kimberly PA Visa Direct CA 1,500.00 1,778.14

09-01 POS Debit - Debit Card 5487 Transaction 09-01-23 Wal-Mart Wal-Mart Sup

Greensboro 63.47 - 1,714.67

09-05 POS Debit- Debit Card 5487 09-01-23 Cash App*ryan Litt 8774174551 CA 1.00 - 1,713.67

09-05 POS Debit- Debit Card 5487 09-02-23 McDonald's F35949 Greensboro NC 9.90 - 1,703.77

09-05 POS Debit- Debit Card 5487 09-02-23 Roku For Disney El 816-2728107 DE 11.76 - 1,692.01
 Page 3 of 4

Statement Period
08/13/23 - 09/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

09-05 POS Debit- Debit Card 5487 09-02-23 Cash App*ryan Litt 800-9691940 CA 1,500.00 - 192.01

09-06 POS Debit- Debit Card 5487 09-06-23 Zelle*kimberly PA Visa Direct AZ 100.00 - 92.01

09-07 ATM Withdrawal 09-07-23 Fcpa Marietta, GA 20.00 - 72.01

09-11 POS Credit Adjustment 5487 Transaction 09-09-23 Zelle*kimberly PA Visa Direct CA 300.00 372.01

09-11 POS Debit - Debit Card 5487 Transaction 09-10-23 Lowe's #2222 Greensboro NC 23.46 - 348.55

09-11 POS Debit- Debit Card 5487 09-10-23 Cash App*gregory H 800-9691940 CA 210.00 - 138.55

09-12 POS Credit Adjustment 5487 Transaction 09-12-23 Zelle*lasarchie C Visa Direct AZ 100.00 238.55

09-12 POS Debit- Debit Card 5487 09-11-23 Experian* Credit R 479-3436237 CA 24.99 - 213.56

09-12 Ending Balance 213.56

Average Daily Balance - Current Cycle: $309.04

Items Paid

Date Item Amount($) Date Item Amount($)

09-07 ATM 20.00 08-29 POS 16.82

08-14 POS 24.99 08-31 POS 1.50
08-21 POS 50.01 09-01 POS 63.47
08-21 POS 12.00 09-05 POS 9.90
08-22 POS 17.08 09-05 POS 11.76
08-22 POS 47.70 09-05 POS 1,500.00
08-22 POS 13.90 09-05 POS 1.00
08-24 POS 200.00 09-06 POS 100.00
08-25 POS 29.99 09-11 POS 23.46
08-25 POS 10.69 09-11 POS 210.00
08-28 POS 62.88 09-12 POS 24.99
08-28 POS 10.68

Total Total
Fee(s) this period year-to-date*

Total Returned Item Fee(s) $0.00 $29.00

*As of the first statement period that begins in January of each year.

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

08-13 Beginning Balance 5.00

No Transactions This Period

09-12 Ending Balance 5.00

 Page 4 of 4

Statement Period
08/13/23 - 09/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 3

Statement of Account

Statement Period
07/13/23 - 08/12/23

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000AMU90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Online Banking Is Getting an Exciting Upgrade!

Coming soon: an easier and more seamless online banking experience! Visit
navyfederal.org/digitalbanking for a look at the changes to come.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $223.66 $365.00 $563.28 $25.38 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $228.66 $365.00 $563.28 $30.38 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 3

Statement Period
07/13/23 - 08/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

07-13 Beginning Balance 223.66

07-13 POS Debit- Debit Card 5487 07-11-23 Pjs Auto Care Southern Pnes NC 81.84 - 141.82

07-17 Transfer From Checking 25.00 166.82

Smoking Block Ent

07-17 Transfer From Checking 240.00 406.82

Smoking Block Ent

07-17 POS Debit- Debit Card 5487 07-13-23 National Golf Dist 336-5128162 NC 30.00 - 376.82

07-17 POS Debit- Debit Card 5487 07-14-23 National Golf Dist 336-5128162 NC 106.50 - 270.32

07-18 Deposit 07-17-23 Fcjn Spout Springs, NC 100.00 370.32

07-18 POS Debit - Debit Card 5487 Transaction 07-18-23 Shell Service Station Liberty NC 60.00 - 310.32

07-18 POS Debit- Debit Card 5487 07-16-23 Hilton Garden Inn Aberdeen NC 209.82 - 100.50

07-21 POS Debit- Debit Card 5487 07-21-23 Google *domains G.CO/Helppay# CA 12.00 - 88.50

07-24 POS Debit- Debit Card 5487 07-24-23 Netflix 1 8445052993 CA 10.69 - 77.81

07-25 POS Debit- Debit Card 5487 07-24-23 Fins Car Wash 109 704-569-3600 NC 29.99 - 47.82

07-27 POS Debit- Debit Card 5487 07-26-23 Roku For Starz 816-2728107 DE 10.68 - 37.14

08-03 POS Debit- Debit Card 5487 08-02-23 Roku For Disney El 816-2728107 DE 11.76 - 25.38

08-12 Ending Balance 25.38

Average Daily Balance - Current Cycle: $67.47

Items Paid

Date Item Amount($) Date Item Amount($)

07-13 POS 81.84 07-21 POS 12.00

07-17 POS 30.00 07-24 POS 10.69
07-17 POS 106.50 07-25 POS 29.99
07-18 POS 60.00 07-27 POS 10.68
07-18 POS 209.82 08-03 POS 11.76
 Page 3 of 3

Statement Period
07/13/23 - 08/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Total Total
Fee(s) this period year-to-date*

Total Returned Item Fee(s) $0.00 $29.00

*As of the first statement period that begins in January of each year.

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

07-13 Beginning Balance 5.00

No Transactions This Period

08-12 Ending Balance 5.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 5

Statement of Account

Statement Period
06/13/23 - 07/12/23

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000JML90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $35.23 $3,055.30 $2,866.87 $223.66 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $40.23 $3,055.30 $2,866.87 $228.66 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 5

Statement Period
06/13/23 - 07/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

06-13 Beginning Balance 35.23

06-15 POS Credit Adjustment 5487 Transaction 06-15-23 Cash App*cash Out Visa Direct

CA 99.23 134.46

06-16 POS Credit Adjustment 5487 Transaction 06-16-23 Zelle*kimberly PA Visa Direct CA 300.00 434.46

06-16 POS Debit - Debit Card 5487 Transaction 06-15-23 Advance Auto PA Greensboro 16.00 - 418.46

06-16 POS Debit- Debit Card 5487 06-16-23 Zelle*vogue Styles Visa Direct AZ 250.00 - 168.46

06-20 POS Credit Adjustment 5487 Transaction 06-17-23 Cash App*cash Out Visa Direct

CA 99.23 267.69

06-20 ATM Withdrawal 06-19-23 Pnc Bank Greensboro NC 40.00 - 227.69

06-20 POS Debit- Debit Card 5487 06-17-23 Seekhd.Co*88865574 888-655-7412 NE 0.50 - 227.19

06-20 POS Debit- Debit Card 5487 06-18-23 Cash App*team Mack 8774174551 CA 71.00 - 156.19

06-20 POS Debit- Debit Card 5487 06-17-23 Days Inn Johnsonci Johnson City TN 129.54 - 26.65

06-21 POS Debit- Debit Card 5487 06-21-23 Google *domains G.CO/Helppay# CA 12.00 - 14.65

06-22 POS Debit- Debit Card 5487 06-21-23 Google *bumble 855-836-3987 CA 3.20 - 11.45

06-26 POS Credit Adjustment 5487 Transaction 06-26-23 Cash App*cash Out Visa Direct

CA 44.21 55.66

06-26 POS Credit Adjustment 5487 Transaction 06-24-23 Cash App*cash Out Visa Direct

CA 491.25 546.91

06-26 ATM Fee - Withdrawal 06-25-23 Secu Marshville NC 1.00 - 545.91

06-26 ATM Withdrawal 06-25-23 Secu Marshville NC 202.00 - 343.91

06-26 POS Debit- Debit Card 5487 06-24-23 Netflix 1 8445052993 CA 10.69 - 333.22

06-26 POS Debit- Debit Card 5487 06-25-23 Fins Car Wash 109 704-569-3600 NC 29.99 - 303.23

06-26 POS Debit- Debit Card 5487 06-24-23 Sheetz 0470 Salisbury NC 65.01 - 238.22

06-26 POS Debit- Debit Card 5487 06-24-23 Cash App*bridget M 8774174551 CA 110.00 - 128.22

06-26 POS Debit - Debit Card 5487 Transaction 06-26-23 Ncdmv Driver Greensbo2

Greensboro 128.75 - 0.53 -

 Page 3 of 5

Statement Period
06/13/23 - 07/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

06-27 POS Debit- Debit Card 5487 06-26-23 Roku For Starz 816-2728107 DE 9.62 - 10.15 -

06-27 POS Debit- Debit Card 5487 06-26-23 Cash App*40 Unlock 8774174551 CA 42.00 - 52.15 -

06-28 POS Credit Adjustment 5487 Transaction 06-28-23 Cash App*cash Out Visa Direct

CA 99.23 47.08

06-28 POS Debit - Debit Card 5487 Transaction 06-27-23 Pilot # 6978 Candor NC 40.00 - 7.08

06-29 POS Credit Adjustment 5487 Transaction 06-29-23 Zelle*kimberly PA Visa Direct CA 300.00 307.08

06-29 POS Debit- Debit Card 5487 06-28-23 Biscuitville 161 Aberdeen NC 6.73 - 300.35

06-29 POS Debit- Debit Card 5487 06-29-23 Zelle*sherman Har Visa Direct AZ 100.00 - 200.35

06-29 Transfer To Shares 45.00 - 155.35

Smoking Block Ent

06-30 POS Credit Adjustment 5487 Transaction 06-30-23 Cash App*cash Out Visa Direct

CA 1,002.15 1,157.50

06-30 POS Debit- Debit Card 5487 06-28-23 Dnh*godaddy.Com 480-5058855 AZ 6.99 - 1,150.51

07-03 POS Debit - Debit Card 5487 Transaction 06-30-23 Circle K # 23841 2120 West End 4.02 - 1,146.49

07-03 POS Debit- Debit Card 5487 07-02-23 Roku For Disney El 816-2728107 DE 11.76 - 1,134.73

07-03 POS Debit - Debit Card 5487 Transaction 07-01-23 Dollar-General # Dg 13 Aberdeen

NC 22.31 - 1,112.42

07-03 POS Debit- Debit Card 5487 07-01-23 Kickback Jacks 44 Southern Pine NC 25.88 - 1,086.54

07-03 POS Debit - Debit Card 5487 Transaction 07-01-23 Food Lion #0353 1680 N

Aberdeen 43.73 - 1,042.81

07-03 POS Debit- Debit Card 5487 07-01-23 Circle K # 23998 Cameron NC 62.05 - 980.76

07-03 POS Debit- Debit Card 5487 06-30-23 Kickback Jacks 47 High Point NC 66.71 - 914.05

07-03 POS Debit- Debit Card 5487 07-02-23 BP#1406200Refuel 1 Rockingham NC 67.02 - 847.03

07-05 ATM Fee - Withdrawal 07-04-23 CK021515 Greensboro NC 1.00 - 846.03

07-05 ATM Withdrawal 07-04-23 CK021515 Greensboro NC 203.95 - 642.08

07-05 ATM Withdrawal 07-04-23 Pnc Bank Greensboro NC 400.00 - 242.08

07-05 POS Debit - Debit Card 5487 Transaction 07-04-23 Sunoco 80014409 Biscoe 27.65 - 214.43

07-05 POS Debit - Debit Card 5487 Transaction 07-03-23 Wal-Mart Super Center

Greensboro 56.10 - 158.33

07-05 POS Debit - Debit Card 5487 Transaction 07-03-23 Wm Superc Wal-Mart Sup

Greensboro ( 145.68 - 12.65

07-07 POS Credit Adjustment 5487 Transaction 07-07-23 Zelle*kimberly PA Visa Direct CA 200.00 212.65

07-10 POS Debit- Debit Card 5487 07-07-23 Cash App*kimberly 8774174551 CA 42.00 - 170.65

07-10 POS Debit- Debit Card 5487 07-07-23 Cash App*kimberly 8774174551 CA 42.00 - 128.65

07-10 Transfer To Shares 80.00 - 48.65

Smoking Block Ent

07-11 Deposit 07-11-23 Fcjn Spout Springs, NC 420.00 468.65

07-11 Transfer To Shares 220.00 - 248.65

Smoking Block Ent

07-12 POS Debit- Debit Card 5487 07-11-23 Experian* Credit R 479-3436237 CA 24.99 - 223.66

07-12 Ending Balance 223.66

Average Daily Balance - Current Cycle: $246.84

Items Paid

Date Item Amount($) Date Item Amount($)

06-16 POS 16.00 06-21 POS 12.00

06-16 POS 250.00 06-22 POS 3.20
06-20 POS 0.50 06-26 POS 10.69
06-20 POS 71.00 06-26 POS 29.99
06-20 POS 129.54 06-26 POS 65.01
 Page 4 of 5

Statement Period
06/13/23 - 07/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Items Paid (Continued from previous page)

Date Item Amount($) Date Item Amount($)

06-26 POS 110.00 07-03 POS 62.05

06-26 POS 128.75 07-03 POS 66.71
06-27 POS 9.62 07-03 POS 67.02
06-27 POS 42.00 07-05 POS 27.65
06-28 POS 40.00 07-05 POS 56.10
06-29 POS 6.73 07-05 POS 145.68
06-29 POS 100.00 07-10 POS 42.00
06-30 POS 6.99 07-10 POS 42.00
07-03 POS 4.02 07-12 POS 24.99
07-03 POS 11.76 06-20 ATMO 40.00
07-03 POS 22.31 06-26 ATMO 202.00
07-03 POS 25.88 07-05 ATMO 203.95
07-03 POS 43.73 07-05 ATMO 400.00

Total Total
Fee(s) this period year-to-date*

Total Returned Item Fee(s) $0.00 $29.00

*As of the first statement period that begins in January of each year.

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

06-13 Beginning Balance 5.00

No Transactions This Period

07-12 Ending Balance 5.00

 Page 5 of 5

Statement Period
06/13/23 - 07/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 3

Statement of Account

Statement Period
05/13/23 - 06/12/23

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000JMU90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $163.06 $447.38 $575.21 $35.23 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $168.06 $447.38 $575.21 $40.23 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 3

Statement Period
05/13/23 - 06/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

05-13 Beginning Balance 163.06

05-15 POS Debit- Debit Card 5487 05-12-23 City Of Mb Parking Myrtle Beach SC 30.00 - 133.06

05-15 POS Debit- Debit Card 5487 05-12-23 Cash App*calandra 8774174551 CA 70.00 - 63.06

05-17 Deposit 05-17-23 Fcjn Spout Springs, NC 150.00 213.06

05-17 POS Debit- Debit Card 5487 05-16-23 Google *bumble 855-836-3987 CA 3.20 - 209.86

05-18 POS Debit- Debit Card 5487 05-17-23 Seekhd.Co*88865574 888-655-7412 NE 0.50 - 209.36

05-19 POS Credit Adjustment 5487 Transaction 05-19-23 Cash App*cash Out Visa Direct

CA 147.38 356.74

05-22 POS Debit- Debit Card 5487 05-21-23 Google *bumble 855-836-3987 CA 3.20 - 353.54

05-22 POS Debit- Debit Card 5487 05-21-23 Google *domains G.CO/Helppay# CA 12.00 - 341.54

05-22 POS Debit- Debit Card 5487 05-19-23 Cash App*sarah Rae 8774174551 CA 250.00 - 91.54

05-25 POS Debit- Debit Card 5487 05-24-23 Netflix.Com 866-5797172 CA 10.69 - 80.85

05-25 POS Debit- Debit Card 5487 05-24-23 Fins Car Wash 109 704-569-3600 NC 29.99 - 50.86

05-30 POS Debit- Debit Card 5487 05-27-23 Google *bumble 855-836-3987 CA 3.20 - 47.66

05-30 POS Debit- Debit Card 5487 05-26-23 Roku For Starz 816-2728107 DE 9.62 - 38.04

05-31 POS Debit- Debit Card 5487 05-30-23 Google *bumble G.CO/Helppay# CA 3.20 - 34.84

06-02 POS Credit Adjustment 5487 Transaction 06-02-23 Zelle*kimberly PA Visa Direct CA 150.00 184.84

06-05 POS Debit - Debit Card 5487 Transaction 06-02-23 Lowe's Foods #1 Greensboro NC 13.67 - 171.17

06-05 POS Debit- Debit Card 5487 06-02-23 Cash App*rondivoo 8774174551 CA 100.00 - 71.17

06-12 POS Debit- Debit Card 5487 06-09-23 Taco Bell 3003033 Cameron NC 10.95 - 60.22

06-12 POS Debit- Debit Card 5487 06-11-23 Experian* Credit R 479-3436237 CA 24.99 - 35.23

06-12 Ending Balance 35.23

Average Daily Balance - Current Cycle: $118.26

 Page 3 of 3

Statement Period
05/13/23 - 06/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Items Paid

Date Item Amount($) Date Item Amount($)

05-15 POS 30.00 05-25 POS 29.99

05-15 POS 70.00 05-30 POS 3.20
05-17 POS 3.20 05-30 POS 9.62
05-18 POS 0.50 05-31 POS 3.20
05-22 POS 3.20 06-05 POS 13.67
05-22 POS 12.00 06-05 POS 100.00
05-22 POS 250.00 06-12 POS 10.95
05-25 POS 10.69 06-12 POS 24.99

Total Total
Fee(s) this period year-to-date*

Total Returned Item Fee(s) $0.00 $29.00

*As of the first statement period that begins in January of each year.

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

05-13 Beginning Balance 5.00

No Transactions This Period

06-12 Ending Balance 5.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 5

Statement of Account

Statement Period
04/13/23 - 05/12/23

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000MMY90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $36.70 - $4,247.62 $4,047.86 $163.06 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $31.70 - $4,247.62 $4,047.86 $168.06 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 5

Statement Period
04/13/23 - 05/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

04-13 Beginning Balance 36.70 -

04-14 POS Credit Adjustment 5487 Transaction 04-14-23 Cash App*cash Out Visa Direct

CA 98.25 61.55

04-17 POS Credit Adjustment 5487 Transaction 04-15-23 Cash App*cash Out Visa Direct

CA 982.50 1,044.05

04-17 POS Debit- Debit Card 5487 04-16-23 Seekhd.Co*88865574 888-655-7412 NE 0.50 - 1,043.55

04-17 POS Debit- Debit Card 5487 04-15-23 Tst* San Jose Aber Aberdeen NC 83.94 - 959.61

04-17 POS Debit- Debit Card 5487 04-16-23 Bkghotel At Bookin 8888503958 Ny 87.89 - 871.72

04-18 POS Debit - Debit Card 5487 Transaction 04-17-23 Wal-Mart Super Center

Greensboro NC 15.48 - 856.24

04-18 POS Debit- Debit Card 5487 04-17-23 Cash App*calandra 8774174551 CA 75.00 - 781.24

04-19 Intl Transaction Fee 04-18-23 service4bills.net Limassol 0.20 - 781.04

04-19 POS Debit- Debit Card 5487 04-18-23 Esettle24.Com 844-7002788 NV 2.99 - 778.05

04-19 POS Debit- Debit Card 5487 04-18-23 Service4Bills.Net Limassol 19.99 - 758.06

04-19 POS Debit- Debit Card 5487 04-18-23 Experian* Credit R 479-3436237 CA 24.99 - 733.07

04-19 POS Debit- Debit Card 5487 04-18-23 Cash App*gladys Gi 8774174551 CA 200.00 - 533.07

04-20 POS Debit - Debit Card 5487 Transaction 04-20-23 Murphy7385Atwal Wadesboro NC 71.76 - 461.31

04-20 POS Debit- Debit Card 5487 04-20-23 Ipostalsubscriptio Ipostal1.Com Ny 99.00 - 362.31

04-20 POS Debit- Debit Card 5487 04-19-23 Vioc Gm0009 Greensboro NC 104.60 - 257.71

04-21 POS Debit- Debit Card 5487 04-21-23 Notarize, Inc. Httpsnotarize Ny 25.00 - 232.71

04-21 POS Debit - Debit Card 5487 Transaction 04-21-23 Jiffy Lube #2777 2625

Greensboro NC 139.70 - 93.01

04-24 POS Credit Adjustment 5487 Transaction 04-23-23 Zelle*jerrie Whit Visa Direct CA 200.00 293.01

04-24 POS Debit- Debit Card 5487 04-21-23 Google*bumble G.CO/Helppay# CA 3.20 - 289.81

04-24 POS Debit- Debit Card 5487 04-21-23 Google*domains G.CO/Helppay# CA 12.00 - 277.81

04-24 POS Debit- Debit Card 5487 04-23-23 Holiday Inn And Su 2395402002 NC 138.78 - 139.03
 Page 3 of 5

Statement Period
04/13/23 - 05/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

04-25 POS Credit Adjustment 5487 Transaction 04-25-23 Cash App*cash Out Visa Direct

CA 982.50 1,121.53

04-25 POS Debit- Debit Card 5487 04-24-23 Netflix.Com 866-5797172 CA 10.69 - 1,110.84

04-25 POS Debit- Debit Card 5487 04-24-23 Fins Car Wash 109 704-569-3600 NC 15.00 - 1,095.84

04-26 POS Debit - Debit Card 5487 Transaction 04-26-23 Sheetz 0418 Trinity NC 70.00 - 1,025.84

04-26 POS Debit- Debit Card 5487 04-25-23 Cash App*nefertini 877-417-4551 GA 305.00 - 720.84

04-27 POS Debit- Debit Card 5487 04-26-23 Roku For Starz 816-2728107 DE 9.62 - 711.22

04-27 POS Debit- Debit Card 5487 04-26-23 Reg Greensboro16 Greensboro NC 22.39 - 688.83

04-27 POS Debit- Debit Card 5487 04-26-23 Reg Greensboro16 Greensboro NC 28.30 - 660.53

04-27 POS Debit- Debit Card 5487 04-26-23 Cash App*nefertini 877-417-4551 GA 510.00 - 150.53

04-28 POS Debit - Debit Card 5487 Transaction 04-27-23 Food Lion #0381 968 MA

Rockwell NC 21.27 - 129.26

05-01 POS Credit Adjustment 5487 Transaction 04-30-23 Cash App*cash Out Visa Direct

CA 98.25 227.51

05-01 POS Credit Adjustment 5487 Transaction 04-29-23 Zelle*sherman Har Visa Direct CA 100.00 327.51

05-01 POS Debit- Debit Card 5487 04-28-23 C & G Laundry Manakin Sabot VA 1.50 - 326.01

05-01 POS Debit- Debit Card 5487 04-29-23 C & G Laundry Manakin Sabot VA 1.50 - 324.51

05-01 POS Debit - Debit Card 5487 Transaction 04-29-23 Wal-Mart #3658 Greensboro NC 20.29 - 304.22

05-01 POS Debit - Debit Card 5487 Transaction 04-29-23 Lowes Food #261 Southern Pine

NC 32.47 - 271.75

05-01 POS Debit- Debit Card 5487 04-29-23 Cash App*kimberly 8774174551 CA 40.00 - 231.75

05-01 POS Debit - Debit Card 5487 Transaction 04-28-23 NC0039 Greensboro NC 42.02 - 189.73

05-01 POS Debit - Debit Card 5487 Transaction 04-28-23 Gate City Expre Greensboro NC 42.31 - 147.42

05-01 POS Debit- Debit Card 5487 04-29-23 Maguro 917-4966662 NC 47.08 - 100.34

05-01 POS Debit - Debit Card 5487 Transaction 04-29-23 Lowes Food #261 Southern Pine

NC 50.00 - 50.34

05-02 POS Debit- Debit Card 5487 05-01-23 Circle K 06315 Archdale NC 62.01 - 11.67 -

05-03 POS Credit Adjustment 5487 Transaction 05-03-23 Zelle*sherman Har Visa Direct CA 100.00 88.33

05-05 POS Credit Adjustment 5487 Transaction 05-05-23 Zelle*kimberly Fr Visa Direct NC 250.00 338.33

05-05 POS Credit Adjustment 5487 Transaction 05-05-23 Zelle*sherman Har Visa Direct CA 250.00 588.33

05-05 POS Debit- Debit Card 5487 05-05-23 Google *bumble 855-836-3987 CA 3.20 - 585.13

05-08 POS Credit Adjustment 5487 Transaction 05-08-23 Cash App*cash Out Visa Direct

CA 184.71 769.84

05-08 POS Credit Adjustment 5487 Transaction 05-06-23 Cash App*cash Out Visa Direct

CA 201.41 971.25

05-08 POS Debit- Debit Card 5487 05-06-23 Arby S 7293 South Hill VA 2.98 - 968.27

05-08 POS Debit - Debit Card 5487 Transaction 05-07-23 Walgreens Store 544 PR

Charlotte NC 9.64 - 958.63

05-08 POS Debit- Debit Card 5487 05-07-23 Tst* Hornblower - Norfolk VA 9.94 - 948.69

05-08 POS Debit- Debit Card 5487 05-06-23 Arby S 7293 South Hill VA 24.96 - 923.73

05-08 POS Debit- Debit Card 5487 05-07-23 Tst* Hornblower - Norfolk VA 27.82 - 895.91

05-08 POS Debit- Debit Card 5487 05-07-23 Tst* Fahrenheit Charlotte NC 188.36 - 707.55

05-08 POS Debit- Debit Card 5487 05-07-23 Zelle*kimberly Fr Visa Direct AZ 250.00 - 457.55

05-08 POS Debit- Debit Card 5487 05-06-23 Zelle*jameeka PRI Visa Direct AZ 250.00 - 207.55

05-09 POS Debit- Debit Card 5487 05-07-23 Bojangles 618 0100 Marshville NC 40.55 - 167.00

05-09 POS Debit- Debit Card 5487 05-07-23 Shell Oil 57545566 Wingate NC 73.02 - 93.98

05-10 POS Debit- Debit Card 5487 05-09-23 One Stop Express T Charlotte NC 2.76 - 91.22

05-10 POS Debit - Debit Card 5487 Transaction 05-09-23 Food Lion #0769 8100 I Charlotte

NC 3.98 - 87.24
 Page 4 of 5

Statement Period
04/13/23 - 05/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

05-10 POS Debit- Debit Card 5487 05-09-23 Dnh*godaddy.Com Https://Www.G AZ 26.57 - 60.67

05-11 POS Credit Adjustment 5487 Transaction 05-11-23 Zelle*kimberly Fr Visa Direct NC 100.00 160.67

05-11 Deposit 05-11-23 Fcjn Spout Springs, NC 700.00 860.67

05-11 POS Debit- Debit Card 5487 05-09-23 BP#2542033Sandy's China Grove NC 50.00 - 810.67

05-11 POS Debit- Debit Card 5487 05-10-23 NC0039 Greensboro NC 70.00 - 740.67

05-12 POS Debit- Debit Card 5487 05-12-23 Google *bumble 855-836-3987 CA 3.20 - 737.47

05-12 POS Debit- Debit Card 5487 05-11-23 Experian* Credit R 479-3436237 CA 24.99 - 712.48

05-12 POS Debit- Debit Card 5487 05-11-23 Straighttalk*airti 877-430-2355 FL 49.42 - 663.06

05-12 POS Debit- Debit Card 5487 05-11-23 Zelle*kimberly Fr Visa Direct AZ 200.00 - 463.06

05-12 POS Debit- Debit Card 5487 05-11-23 Zelle*kimberly PA Visa Direct AZ 300.00 - 163.06

05-12 Ending Balance 163.06

Average Daily Balance - Current Cycle: $286.71

Items Paid

Date Item Amount($) Date Item Amount($)

04-17 POS 0.50 05-01 POS 32.47

04-17 POS 83.94 05-01 POS 40.00
04-17 POS 87.89 05-01 POS 42.02
04-18 POS 15.48 05-01 POS 42.31
04-18 POS 75.00 05-01 POS 47.08
04-19 POS 2.99 05-01 POS 50.00
04-19 POS 19.99 05-02 POS 62.01
04-19 POS 24.99 05-05 POS 3.20
04-19 POS 200.00 05-08 POS 2.98
04-20 POS 71.76 05-08 POS 9.64
04-20 POS 99.00 05-08 POS 9.94
04-20 POS 104.60 05-08 POS 24.96
04-21 POS 25.00 05-08 POS 27.82
04-21 POS 139.70 05-08 POS 188.36
04-24 POS 3.20 05-08 POS 250.00
04-24 POS 12.00 05-08 POS 250.00
04-24 POS 138.78 05-09 POS 40.55
04-25 POS 10.69 05-09 POS 73.02
04-25 POS 15.00 05-10 POS 2.76
04-26 POS 70.00 05-10 POS 3.98
04-26 POS 305.00 05-10 POS 26.57
04-27 POS 9.62 05-11 POS 50.00
04-27 POS 22.39 05-11 POS 70.00
04-27 POS 28.30 05-12 POS 3.20
04-27 POS 510.00 05-12 POS 24.99
04-28 POS 21.27 05-12 POS 49.42
05-01 POS 1.50 05-12 POS 200.00
05-01 POS 1.50 05-12 POS 300.00
05-01 POS 20.29

Total Total
Fee(s) this period year-to-date*

Total Returned Item Fee(s) $0.00 $29.00

*As of the first statement period that begins in January of each year.

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

04-13 Beginning Balance 5.00

No Transactions This Period

05-12 Ending Balance 5.00

 Page 5 of 5

Statement Period
04/13/23 - 05/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
03/13/23 - 04/12/23

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000AMP90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $112.74 $1,125.95 $1,275.39 $36.70 - $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $117.74 $1,125.95 $1,275.39 $31.70 - $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
03/13/23 - 04/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

03-13 Beginning Balance 112.74

03-13 POS Debit- Debit Card 5487 03-12-23 Seekhd.Co*88865574 888-655-7412 NE 0.50 - 112.24

03-15 POS Debit - Debit Card 5487 Transaction 03-14-23 Wm Superc Wal-Mart Sup

Greensboro NC 1.07 - 111.17

03-15 POS Debit- Debit Card 5487 03-14-23 Greensboro Razor W Greensboro NC 9.00 - 102.17

03-21 POS Debit- Debit Card 5487 03-20-23 Google*domains Internet CA 12.00 - 90.17

03-22 POS Credit Adjustment 5487 Transaction 03-22-23 Cash App*cash Out Visa Direct

CA 51.09 141.26

03-22 POS Debit- Debit Card 5487 03-22-23 Byron Executive Su 336-2821014 NC 39.00 - 102.26

03-23 POS Debit- Debit Card 5487 03-22-23 CSC Servicework Hamlet NC 2.00 - 100.26

03-27 POS Credit Adjustment 5487 Transaction 03-27-23 Cash App*cash Out Visa Direct

CA 393.00 493.26

03-27 POS Debit- Debit Card 5487 03-26-23 Roku For Starz 816-2728107 DE 9.62 - 483.64

03-27 POS Debit- Debit Card 5487 03-24-23 Fins Car Wash 109 Greensboro NC 10.00 - 473.64

03-27 POS Debit- Debit Card 5487 03-24-23 Netflix.Com 866-5797172 CA 10.69 - 462.95

03-28 POS Debit - Debit Card 5487 Transaction 03-27-23 Wal-Mart Super Center Carolina

PR 30.19 - 432.76

03-29 POS Debit- Debit Card 5487 03-27-23 KFC 43 Luquillo 17.51 - 415.25

03-29 POS Debit - Debit Card 5487 Transaction 03-29-23 Sju Airport Convenienc Carolina

PR 34.58 - 380.67

03-29 POS Debit- Debit Card 5487 03-27-23 Shell Arroyo Servi Arroyo 59.99 - 320.68

03-29 POS Debit - Debit Card 5487 Transaction 03-28-23 Burlington Stores Carolina 89.18 - 231.50

03-30 POS Debit- Debit Card 5487 03-29-23 My Tobacco & Vapor Cary NC 5.44 - 226.06

03-30 POS Debit- Debit Card 5487 03-28-23 Las Picuas 123 Rio Grande 21.72 - 204.34

03-30 POS Debit- Debit Card 5487 03-28-23 Econo Facundo Pl C Carolina 28.98 - 175.36

03-30 POS Debit- Debit Card 5487 03-30-23 Lucky Chicken II I Cary NC 43.51 - 131.85
 Page 3 of 4

Statement Period
03/13/23 - 04/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

03-30 POS Debit - Debit Card 5487 Transaction 03-29-23 Circle K # 23998 2531 Cameron

NC 67.50 - 64.35

03-31 POS Credit Adjustment 5487 Transaction 03-31-23 Cash App*cash Out Visa Direct

CA 34.39 98.74

03-31 POS Debit - Debit Card 5487 Transaction 03-30-23 Qt 1054 Inside Monroe NC 32.53 - 66.21

04-03 POS Credit Adjustment 5487 Transaction 04-02-23 Cash App*cash Out Visa Direct

CA 393.00 459.21

04-03 POS Debit- Debit Card 5487 03-31-23 C & G Laundry Manakin Sabot VA 3.00 - 456.21

04-03 POS Debit - Debit Card 5487 Transaction 03-31-23 Wal-Mart #6176 Greensboro NC 4.10 - 452.11

04-03 POS Debit - Debit Card 5487 Transaction 04-02-23 Circle K 01515 1585 NE

Greensboro NC 67.02 - 385.09

04-05 POS Debit - Debit Card 5487 Transaction 04-04-23 Sheetz 0489 Greensboro NC 60.00 - 325.09

04-05 POS Debit- Debit Card 5487 04-04-23 Advance Auto Parts Charlotte NC 88.78 - 236.31

04-05 POS Debit- Debit Card 5487 04-04-23 Zelle*jayell Whit Visa Direct AZ 100.00 - 136.31

04-06 POS Credit Adjustment 5487 Transaction 04-06-23 Cash App*cash Out Visa Direct

CA 254.47 390.78

04-06 POS Debit- Debit Card 5487 04-05-23 Straighttalk*airti 877-430-2355 FL 38.58 - 352.20

04-06 POS Debit- Debit Card 5487 04-04-23 Djs Diner Salisbury NC 67.80 - 284.40

04-07 POS Debit- Debit Card 5487 04-06-23 Zelle*kimberly Fr Visa Direct AZ 150.00 - 134.40

04-10 POS Debit - Debit Card 5487 Transaction 04-09-23 Harris Te 1804 Center Aberdeen

NC 34.20 - 100.20

04-10 POS Debit- Debit Card 5487 04-09-23 Cash App*ninagoins 8774174551 CA 55.00 - 45.20

04-10 POS Debit- Debit Card 5487 04-08-23 Circle K # 20851 Burlington NC 78.70 - 33.50 -

04-11 POS Debit- Debit Card 5487 04-11-23 Google *bumble 855-836-3987 CA 3.20 - 36.70 -

04-12 Ending Balance 36.70 -

Average Daily Balance - Current Cycle: $138.97

Items Paid

Date Item Amount($) Date Item Amount($)

03-13 POS 0.50 03-30 POS 43.51

03-15 POS 1.07 03-30 POS 67.50
03-15 POS 9.00 03-31 POS 32.53
03-21 POS 12.00 04-03 POS 3.00
03-22 POS 39.00 04-03 POS 4.10
03-23 POS 2.00 04-03 POS 67.02
03-27 POS 9.62 04-05 POS 60.00
03-27 POS 10.00 04-05 POS 88.78
03-27 POS 10.69 04-05 POS 100.00
03-28 POS 30.19 04-06 POS 38.58
03-29 POS 17.51 04-06 POS 67.80
03-29 POS 34.58 04-07 POS 150.00
03-29 POS 59.99 04-10 POS 34.20
03-29 POS 89.18 04-10 POS 55.00
03-30 POS 5.44 04-10 POS 78.70
03-30 POS 21.72 04-11 POS 3.20
03-30 POS 28.98

Total Total
Fee(s) this period year-to-date*

Total Returned Item Fee(s) $0.00 $29.00

*As of the first statement period that begins in January of each year.
 Page 4 of 4

Statement Period
03/13/23 - 04/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

03-13 Beginning Balance 5.00

No Transactions This Period

04-12 Ending Balance 5.00

2022 Year to Date Federal Income Tax Information

SAVINGS DIVIDENDS 0.00

CHECKING DIVIDENDS 0.20 FINANCE CHARGE CHECKING LOC 0.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
02/13/23 - 03/12/23

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000MMA90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $43.07 $2,487.75 $2,418.08 $112.74 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $48.07 $2,487.75 $2,418.08 $117.74 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
02/13/23 - 03/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

02-13 Beginning Balance 43.07

02-13 POS Debit- Debit Card 5487 02-12-23 3301Pepsiven914767 Columbia MD 2.10 - 40.97

02-13 POS Debit- Debit Card 5487 02-10-23 Circle K # 23998 Cameron NC 75.67 - 34.70 -

02-14 Deposit - ACH Paid From Eventbrite, Inc. Edi Pymnts 01Afd2 800.00 765.30

02-15 POS Debit- Debit Card 5487 02-14-23 Popeyes 13477 Wadesboro NC 10.68 - 754.62

02-15 POS Debit - Debit Card 5487 Transaction 02-14-23 Wal-Mart Super Center

Greensboro ( NC 67.07 - 687.55

02-15 POS Debit- Debit Card 5487 02-14-23 Zelle*kimberly Fr Visa Direct AZ 600.00 - 87.55

02-17 POS Debit- Debit Card 5487 02-16-23 MI Barrio H Latin Charlotte NC 20.63 - 66.92

02-21 POS Debit- Debit Card 5487 02-20-23 KFC G135188 Greensboro NC 10.44 - 56.48

02-22 POS Debit- Debit Card 5487 02-20-23 Bojangles 876 0100 Greensboro NC 9.06 - 47.42

02-22 POS Debit- Debit Card 5487 02-20-23 Google*domains Internet CA 12.00 - 35.42

02-24 POS Credit Adjustment 5487 Transaction 02-24-23 Cash App*cash Out Visa Direct

CA 687.75 723.17

02-24 POS Debit- Debit Card 5487 02-24-23 Netflix 1 8445052993 CA 10.69 - 712.48

02-27 POS Debit- Debit Card 5487 02-26-23 Roku For Starz 816-2728107 DE 9.62 - 702.86

02-27 POS Debit - Debit Card 5487 Transaction 02-25-23 Wawa 698 Hopewell VA 35.40 - 667.46

02-27 POS Debit- Debit Card 5487 02-25-23 Shell Oil 57543601 Greensboro NC 75.16 - 592.30

02-27 POS Debit- Debit Card 5487 02-24-23 Cash App*ninagoins 8774174551 CA 500.00 - 92.30

03-01 POS Debit- Debit Card 5487 02-27-23 Outback 3442 Greensboro NC 83.21 - 9.09

03-06 POS Credit Adjustment 5487 Transaction 03-04-23 Zelle*en Route Xp Visa Direct AZ 1,000.00 1,009.09

03-06 POS Debit - Debit Card 5487 Transaction 03-05-23 Wm Superc Wal-Mart Sup

Greensboro ( NC 32.00 - 977.09

03-06 POS Debit- Debit Card 5487 03-05-23 Cash App*sarah Rae 8774174551 CA 500.00 - 477.09

03-07 POS Debit - Debit Card 5487 Transaction 03-06-23 Emery Wood Citgo Charlotte NC 6.76 - 470.33

03-07 POS Debit - Debit Card 5487 Transaction 03-06-23 Emery Wood Citgo Charlotte NC 56.00 - 414.33
 Page 3 of 4

Statement Period
02/13/23 - 03/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

03-07 POS Debit- Debit Card 5487 03-05-23 Embassy Suites 910-8263600 NC 301.59 - 112.74

03-12 Ending Balance 112.74

Average Daily Balance - Current Cycle: $172.20

Items Paid

Date Item Amount($) Date Item Amount($)

02-13 POS 2.10 02-27 POS 9.62

02-13 POS 75.67 02-27 POS 35.40
02-15 POS 10.68 02-27 POS 75.16
02-15 POS 67.07 02-27 POS 500.00
02-15 POS 600.00 03-01 POS 83.21
02-17 POS 20.63 03-06 POS 32.00
02-21 POS 10.44 03-06 POS 500.00
02-22 POS 9.06 03-07 POS 6.76
02-22 POS 12.00 03-07 POS 56.00
02-24 POS 10.69 03-07 POS 301.59

Total Total
Fee(s) this period year-to-date*

Total Returned Item Fee(s) $0.00 $29.00

*As of the first statement period that begins in January of each year.

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

02-13 Beginning Balance 5.00

No Transactions This Period

03-12 Ending Balance 5.00

2022 Year to Date Federal Income Tax Information

SAVINGS DIVIDENDS 0.00

CHECKING DIVIDENDS 0.20 FINANCE CHARGE CHECKING LOC 0.00

 Page 4 of 4

Statement Period
02/13/23 - 03/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
01/13/23 - 02/12/23

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000FME90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Please note there's been a change to our 2023 Annual Meeting date. The meeting will now be held

on Wednesday, April 26, 2023, at 6 pm EST, at Navy Federal Headquarters in Vienna, VA.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $79.88 $3,073.76 $3,110.57 $43.07 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $84.88 $3,073.76 $3,110.57 $48.07 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
01/13/23 - 02/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

01-13 Beginning Balance 79.88

01-17 POS Credit Adjustment 5487 Transaction 01-14-23 Cash App*cash Out Visa Direct

CA 255.45 335.33

01-17 Deposit 01-13-23 Fcjn Spout Springs, NC 600.00 935.33

01-17 POS Debit - Debit Card 5487 Transaction 01-16-23 Food Lion #0422 7206 M

Marshville NC 20.39 - 914.94

01-17 POS Debit - Debit Card 5487 Transaction 01-15-23 Wal-Mart Super Center

Greensboro NC 38.92 - 876.02

01-17 POS Debit- Debit Card 5487 01-14-23 Sheetz 0716 Cameron NC 75.01 - 801.01

01-17 POS Debit- Debit Card 5487 01-16-23 Cash App*sarah Rae 8774174551 CA 100.00 - 701.01

01-17 POS Debit- Debit Card 5487 01-13-23 Cash App*ninagoins 8774174551 CA 110.00 - 591.01

01-17 POS Debit- Debit Card 5487 01-14-23 Zelle*kimberly Fr Visa Direct AZ 200.00 - 391.01

01-17 POS Debit- Debit Card 5487 01-13-23 Cash App*kimberly 8774174551 CA 300.00 - 91.01

01-19 POS Credit Adjustment 5487 Transaction 01-19-23 Zelle*en Route Xp Visa Direct AZ 1,000.00 1,091.01

01-23 POS Credit Adjustment 5487 Transaction 01-23-23 Cash App*cash Out Visa Direct

CA 776.18 1,867.19

01-23 POS Debit- Debit Card 5487 01-20-23 Google*domains Internet CA 12.00 - 1,855.19

01-23 POS Debit- Debit Card 5487 01-21-23 Byron Executive Su 336-2821014 NC 14.30 - 1,840.89

01-23 POS Debit- Debit Card 5487 01-22-23 Cash App*jamie And 8774174551 CA 72.00 - 1,768.89

01-24 POS Debit- Debit Card 5487 01-23-23 Cash App*calandra 8774174551 CA 50.00 - 1,718.89

01-24 POS Debit- Debit Card 5487 01-22-23 Sheetz 0472 Archdale NC 74.00 - 1,644.89

01-24 POS Debit- Debit Card 5487 01-23-23 Cash App*jayell Wh 8774174551 CA 100.00 - 1,544.89

01-24 POS Debit- Debit Card 5487 01-23-23 Cash App*sarah Rae 8774174551 CA 200.00 - 1,344.89

01-24 POS Debit- Debit Card 5487 01-23-23 Cash App*kimberly 8774174551 CA 200.00 - 1,144.89

01-24 POS Debit- Debit Card 5487 01-23-23 Cke*kabuto Japanes Greensboro NC 299.89 - 845.00

01-25 POS Debit- Debit Card 5487 01-24-23 Netflix.Com Netflix.Com CA 10.69 - 834.31
 Page 3 of 4

Statement Period
01/13/23 - 02/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

01-25 POS Debit - Debit Card 5487 Transaction 01-24-23 Wal-Mart Super Center

Greensboro NC 76.68 - 757.63

01-26 POS Debit- Debit Card 5487 01-25-23 Zelle*kimberly Fr Visa Direct AZ 200.00 - 557.63

01-27 POS Debit- Debit Card 5487 01-26-23 Roku For Starz 816-2728107 DE 9.62 - 548.01

01-30 POS Debit - Debit Card 5487 Transaction 01-30-23 Sheetz 0356 Greensboro NC 5.33 - 542.68

01-30 POS Debit - Debit Card 5487 Transaction 01-28-23 Lucky Star Aberdeen NC 8.72 - 533.96

01-31 POS Debit- Debit Card 5487 01-30-23 Cash App*ninagoins 8774174551 CA 200.00 - 333.96

02-02 POS Credit Adjustment 5487 Transaction 02-02-23 Cash App*cash Out Visa Direct

CA 294.75 628.71

02-02 POS Debit- Debit Card 5487 02-02-23 Byron Executive Su 336-2821014 NC 39.00 - 589.71

02-02 POS Debit- Debit Card 5487 02-01-23 Douxds Douxds.Com VA 74.94 - 514.77

02-02 POS Debit- Debit Card 5487 01-31-23 Sheetz 0484 Greensboro NC 76.49 - 438.28

02-02 POS Debit- Debit Card 5487 02-01-23 Copy King Printing 336-333-9900 NC 128.10 - 310.18

02-03 POS Credit Adjustment 5487 Transaction 02-03-23 Cash App*cash Out Visa Direct

CA 147.38 457.56

02-03 POS Debit - Debit Card 5487 Transaction 02-02-23 Dollar General # Dg 19 China

Grove NC 14.92 - 442.64

02-03 POS Debit- Debit Card 5487 02-02-23 Zelle*kimberly Fr Visa Direct AZ 300.00 - 142.64

02-06 POS Debit- Debit Card 5487 02-03-23 Straighttalk*airti 877-430-2355 FL 38.63 - 104.01

02-06 POS Debit- Debit Card 5487 02-06-23 Tst* Wings Over - Charlotte NC 40.19 - 63.82

02-09 POS Debit - Debit Card 5487 Transaction 02-08-23 Wal-Mart Wal-Mart Sup

Greensboro NC 20.25 - 43.57

02-10 POS Debit- Debit Card 5487 02-10-23 Seekhd.Co*88865574 888-655-7412 NE 0.50 - 43.07

02-12 Ending Balance 43.07

Average Daily Balance - Current Cycle: $411.06

Items Paid

Date Item Amount($) Date Item Amount($)

01-17 POS 20.39 01-25 POS 76.68

01-17 POS 38.92 01-26 POS 200.00
01-17 POS 75.01 01-27 POS 9.62
01-17 POS 100.00 01-30 POS 5.33
01-17 POS 110.00 01-30 POS 8.72
01-17 POS 200.00 01-31 POS 200.00
01-17 POS 300.00 02-02 POS 39.00
01-23 POS 12.00 02-02 POS 74.94
01-23 POS 14.30 02-02 POS 76.49
01-23 POS 72.00 02-02 POS 128.10
01-24 POS 50.00 02-03 POS 14.92
01-24 POS 74.00 02-03 POS 300.00
01-24 POS 100.00 02-06 POS 38.63
01-24 POS 200.00 02-06 POS 40.19
01-24 POS 200.00 02-09 POS 20.25
01-24 POS 299.89 02-10 POS 0.50
01-25 POS 10.69

Total Total
Fee(s) this period year-to-date*

Total Returned Item Fee(s) $0.00 $29.00

*As of the first statement period that begins in January of each year.
 Page 4 of 4

Statement Period
01/13/23 - 02/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

01-13 Beginning Balance 5.00

No Transactions This Period

02-12 Ending Balance 5.00

2022 Year to Date Federal Income Tax Information

SAVINGS DIVIDENDS 0.00

CHECKING DIVIDENDS 0.20 FINANCE CHARGE CHECKING LOC 0.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
12/13/22 - 01/12/23

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000JMA90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $385.09 $1,409.80 $1,715.01 $79.88 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $390.09 $1,409.80 $1,715.01 $84.88 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
12/13/22 - 01/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-13 Beginning Balance 385.09

12-13 POS Debit- Debit Card 5487 12-12-22 Cash App*kimberly 8774174551 CA 150.00 - 235.09

12-14 POS Credit Adjustment 5487 Transaction 12-14-22 Cash App*cash Out Visa Direct

CA 663.19 898.28

12-14 POS Debit- Debit Card 5487 12-13-22 Carolinas Diner103 Greensboro NC 17.46 - 880.82

12-14 POS Debit- Debit Card 5487 12-14-22 Zelle*jayell Whit Visa Direct AZ 125.00 - 755.82

12-15 POS Debit - Debit Card 5487 Transaction 12-15-22 Pilot # 6978 Candor NC 75.00 - 680.82

12-15 POS Debit- Debit Card 5487 12-14-22 Cash App*sarah Rae 8774174551 CA 350.00 - 330.82

12-16 ATM Fee - Withdrawal 12-15-22 Bank Of America Greensboro NC 1.00 - 329.82

12-16 ATM Withdrawal 12-15-22 Bank Of America Greensboro NC 43.00 - 286.82

12-16 POS Debit - Debit Card 5487 Transaction 12-15-22 Crossroad Exxon Greensboro NC 10.66 - 276.16

12-19 POS Debit- Debit Card 5487 12-17-22 Hickory Tavern Pinehurst NC 32.45 - 243.71

12-19 POS Debit- Debit Card 5487 12-17-22 Cash App*calandra 8774174551 CA 100.00 - 143.71

12-20 Deposit 12-20-22 Fcjn Spout Springs, NC 300.00 443.71

12-20 POS Debit- Debit Card 5487 12-19-22 Cash App*sarah Rae 8774174551 CA 50.00 - 393.71

12-20 POS Debit- Debit Card 5487 12-18-22 Sheetz 0356 Greensboro NC 55.00 - 338.71

12-21 POS Debit- Debit Card 5487 12-20-22 Cash App*tanya Sam 8774174551 CA 220.00 - 118.71

12-27 Deposit 12-27-22 Fcjn Spout Springs, NC 200.00 318.71

12-27 POS Debit- Debit Card 5487 12-26-22 Roku For Starz 816-2728107 DE 9.62 - 309.09

12-27 POS Debit- Debit Card 5487 12-24-22 Netflix 1 8445052993 CA 10.69 - 298.40

12-27 POS Debit- Debit Card 5487 12-25-22 Cash App*stephanie 8774174551 CA 50.00 - 248.40

12-28 POS Debit- Debit Card 5487 12-27-22 Zelle*roosevelt H Visa Direct NC 200.00 - 48.40

01-03 POS Credit Adjustment 5487 Transaction 01-03-23 Cash App*cash Out Visa Direct

CA 196.50 244.90

01-03 POS Debit - Debit Card 5487 Transaction 12-31-22 Lowe's #538 Southrn Pines NC 3.51 - 241.39

01-04 Returned Item Fee 6120175 29.00 - 212.39

 Page 3 of 4

Statement Period
12/13/22 - 01/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

01-06 POS Debit- Debit Card 5487 01-05-23 Cash App*team Mack 8774174551 CA 22.00 - 190.39

01-06 POS Debit- Debit Card 5487 01-04-23 Hampton Inn Suites Carrboro NC 157.36 - 33.03

01-09 POS Debit - Debit Card 5487 Transaction 01-06-23 Friendly Tobacco & Vap

Greensboro NC 2.76 - 30.27

01-10 POS Credit Adjustment 5487 Transaction 01-10-23 Cash App*cash Out Visa Direct

CA 50.11 80.38

01-10 POS Debit- Debit Card 5487 01-09-23 Seekhd.Co*88865574 888-655-7412 NE 0.50 - 79.88

01-12 Ending Balance 79.88

Average Daily Balance - Current Cycle: $158.67

Items Paid

Date Item Amount($) Date Item Amount($)

12-13 POS 150.00 12-27 POS 9.62

12-14 POS 17.46 12-27 POS 10.69
12-14 POS 125.00 12-27 POS 50.00
12-15 POS 75.00 12-28 POS 200.00
12-15 POS 350.00 01-03 POS 3.51
12-16 POS 10.66 01-06 POS 22.00
12-19 POS 32.45 01-06 POS 157.36
12-19 POS 100.00 01-09 POS 2.76
12-20 POS 50.00 01-10 POS 0.50
12-20 POS 55.00 12-16 ATMO 43.00
12-21 POS 220.00

Total Total
Fee(s) this period year-to-date*

Total Returned Item Fee(s) $29.00 $29.00

*As of the first statement period that begins in January of each year.

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-13 Beginning Balance 5.00

No Transactions This Period

01-12 Ending Balance 5.00

2022 Year to Date Federal Income Tax Information

SAVINGS DIVIDENDS 0.00

CHECKING DIVIDENDS 0.20 FINANCE CHARGE CHECKING LOC 0.00

 Page 4 of 4

Statement Period
12/13/22 - 01/12/23

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
11/13/22 - 12/12/22

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000DME90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $79.96 $6,698.65 $6,393.52 $385.09 $0.20

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $84.96 $6,698.65 $6,393.52 $390.09 $0.20

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
11/13/22 - 12/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

11-13 Beginning Balance 79.96

11-15 POS Debit- Debit Card 5487 11-14-22 Jesse's Diner Greensboro NC 18.12 - 61.84

11-18 POS Credit Adjustment 5487 Transaction 11-18-22 Cash App*cash Out Visa Direct

CA 393.00 454.84

11-21 POS Debit- Debit Card 5487 11-19-22 Rdu Burgerfi 62022 Morrisville NC 23.69 - 431.15

11-21 POS Debit- Debit Card 5487 11-19-22 Frontier Ai T95D9S Denver CO 104.00 - 327.15

11-21 POS Debit- Debit Card 5487 11-18-22 Cash App*kimberly 8774174551 CA 150.00 - 177.15

11-25 POS Debit- Debit Card 5487 11-24-22 Netflix.Com 866-5797172 CA 10.69 - 166.46

11-25 POS Debit - Debit Card 5487 Transaction 11-23-22 Lowe's Foods #1 Greensboro NC 29.47 - 136.99

11-28 POS Debit- Debit Card 5487 11-26-22 Roku For Starz 816-2728107 DE 9.62 - 127.37

11-29 POS Debit- Debit Card 5487 11-28-22 Boston Market 0239 Greensboro NC 21.76 - 105.61

12-02 Deposit 410.90 516.51

12-02 Returned Item Fee 6120175 29.00 - 487.51

12-05 POS Credit Adjustment 5487 Transaction 12-03-22 Cash App*cash Out Visa Direct

CA 294.75 782.26

12-05 POS Debit - Debit Card 5487 Transaction 12-03-22 Wal-Mart Wal-Mart Sup

Greensboro NC 25.38 - 756.88

12-05 POS Debit- Debit Card 5487 12-02-22 Sheetz 0366 Greensboro NC 59.00 - 697.88

12-06 Deposit 5,600.00 6,297.88

12-06 POS Debit- Debit Card 5487 12-05-22 Cash App*ninagoins 8774174551 CA 125.00 - 6,172.88

12-06 POS Debit- Debit Card 5487 12-05-22 Zelle*vogue Styles Visa Direct AZ 350.00 - 5,822.88

12-07 POS Debit- Debit Card 5487 12-06-22 Cash App*tanya Smi 8774174551 CA 100.00 - 5,722.88

12-07 Transfer To Shares 2,000.00 - 3,722.88

Smoking Block Ent

12-07 Transfer To Checking 2,800.00 - 922.88

Kimberly J Freeland
 Page 3 of 4

Statement Period
11/13/22 - 12/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-08 POS Debit- Debit Card 5487 12-07-22 Straighttalk*airti 877-430-2355 FL 49.39 - 873.49

12-12 POS Debit- Debit Card 5487 12-09-22 Seekhd.Co*88865574 888-655-7412 NE 0.50 - 872.99

12-12 POS Debit - Debit Card 5487 Transaction 12-09-22 Circle K # 23047 7910

Fayetteville NC 9.21 - 863.78

12-12 POS Debit - Debit Card 5487 Transaction 12-11-22 Lowe's Foods #1 Greensboro NC 18.84 - 844.94

12-12 POS Debit - Debit Card 5487 Transaction 12-10-22 Sheetz 0470 Salisbury NC 58.81 - 786.13

12-12 POS Debit- Debit Card 5487 12-09-22 Zelle*ayanna Will Visa Direct AZ 80.00 - 706.13

12-12 POS Debit- Debit Card 5487 12-09-22 NC Court Payments Egov.Com KS 321.04 - 385.09

12-12 Ending Balance 385.09

Average Daily Balance - Current Cycle: $535.29

Items Paid

Date Item Amount($) Date Item Amount($)

11-15 POS 18.12 12-06 POS 125.00

11-21 POS 23.69 12-06 POS 350.00
11-21 POS 104.00 12-07 POS 100.00
11-21 POS 150.00 12-08 POS 49.39
11-25 POS 10.69 12-12 POS 0.50
11-25 POS 29.47 12-12 POS 9.21
11-28 POS 9.62 12-12 POS 18.84
11-29 POS 21.76 12-12 POS 58.81
12-05 POS 25.38 12-12 POS 80.00
12-05 POS 59.00 12-12 POS 321.04

Total Total
Fee(s) this period year-to-date*

Total Returned Item Fee(s) $29.00 $87.00

*As of the first statement period that begins in January of each year.

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

11-13 Beginning Balance 5.00

No Transactions This Period

12-12 Ending Balance 5.00

 Page 4 of 4

Statement Period
11/13/22 - 12/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 5

Statement of Account

Statement Period
10/13/22 - 11/12/22

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000NMO90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $1,212.10 $12,611.49 $13,743.63 $79.96 $0.20

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $1,217.10 $12,611.49 $13,743.63 $84.96 $0.20

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 5

Statement Period
10/13/22 - 11/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

10-13 Beginning Balance 1,212.10

10-13 POS Credit Adjustment 5487 Transaction 10-13-22 Cash App*cash Out Visa Direct

CA 196.50 1,408.60

10-13 POS Debit- Debit Card 5487 10-12-22 Cash App*valerie C 8774174551 CA 193.00 - 1,215.60

10-14 POS Credit Adjustment 5487 Transaction 10-14-22 Cash App*cash Out Visa Direct

CA 196.50 1,412.10

10-14 POS Debit- Debit Card 5487 10-12-22 Boardwalk Beach Re Myrtle Beach SC 95.12 - 1,316.98

10-14 POS Debit- Debit Card 5487 10-12-22 Boardwalk O.F. Con Myrtle Beach SC 110.55 - 1,206.43

10-14 POS Debit- Debit Card 5487 10-13-22 Cash App*tamia Bir 877-417-4551 NC 700.00 - 506.43

10-17 POS Credit Adjustment 5487 Transaction 10-13-22 Boardwalk Beach Re 10.00 516.43

10-17 POS Credit Adjustment 5487 Transaction 10-15-22 Cash App*cash Out Visa Direct

CA 100.22 616.65

10-17 POS Credit Adjustment 5487 Transaction 10-16-22 Cash App*cash Out Visa Direct

CA 245.62 862.27

10-17 Deposit - ACH Paid From Square Inc Acctverify 01Afd9 0.01 862.28

10-17 Deposit - ACH Paid From Square Inc 221017P2 01Afd9 862.63 1,724.91

10-17 POS Debit - Debit Card 5487 Transaction 10-16-22 Speedway 6869 Highway Longs

SC 7.79 - 1,717.12

10-17 POS Debit - Debit Card 5487 Transaction 10-16-22 Lowe's Foods #1 Greensboro NC 21.33 - 1,695.79

10-17 POS Debit - Debit Card 5487 Transaction 10-16-22 Speedway 6869 Highway Longs

SC 56.57 - 1,639.22

10-17 POS Debit- Debit Card 5487 10-14-22 LA Quinta Motor IN Myrtle Beach SC 190.98 - 1,448.24

10-17 POS Debit- Debit Card 5487 10-16-22 Cash App*christoph 8774174551 CA 200.00 - 1,248.24

10-17 POS Debit - Debit Card 5487 Transaction 10-15-22 Office DE 8678 Highway Myrtle

Beach SC 338.02 - 910.22

10-17 Paid To - Square Inc Acctverify Chk 2100002 0.01 - 910.21

 Page 3 of 5

Statement Period
10/13/22 - 11/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

10-18 Bank Wire Deposit 1,000.00 1,910.21

10-18 POS Debit - Debit Card 5487 Transaction 10-17-22 Wal-Mart #3658 Greensboro NC 48.99 - 1,861.22

10-18 POS Debit- Debit Card 5487 10-17-22 Cafe Pasta Greensboro NC 50.48 - 1,810.74

10-18 POS Debit- Debit Card 5487 10-17-22 Cash App*dedric 8774174551 CA 75.00 - 1,735.74

10-18 POS Debit- Debit Card 5487 10-17-22 Cash App*336 989 2 8774174551 CA 120.00 - 1,615.74

10-18 POS Debit - Debit Card 5487 Transaction 10-18-22 Wal-Mart #1552 Salisbury NC 136.52 - 1,479.22

10-19 POS Debit- Debit Card 5487 10-17-22 Ups (800) 811-164 Greensboro NC 9.00 - 1,470.22

10-19 POS Debit - Debit Card 5487 Transaction 10-19-22 Wal-Mart Wal-Mart Sup

Greensboro NC 11.69 - 1,458.53

10-19 POS Debit- Debit Card 5487 10-18-22 Cash App*tamia Bir 877-417-4551 NC 1,000.00 - 458.53

10-20 POS Debit- Debit Card 5487 10-18-22 Cotton Grove Lexington NC 13.24 - 445.29

10-20 POS Debit- Debit Card 5487 10-19-22 Kickback Jacks 49 Greensboro NC 51.85 - 393.44

10-20 POS Debit- Debit Card 5487 10-18-22 Shell Oil 57543601 Greensboro NC 80.02 - 313.42

10-21 Deposit - ACH Paid From Eventbrite, Inc. Edi Pymnts 01Afd2 8,300.00 8,613.42

10-21 POS Debit- Debit Card 5487 10-20-22 Cash App*alfonzo K 8774174551 CA 70.00 - 8,543.42

10-21 Transfer To Shares 255.00 - 8,288.42

Smoking Block Ent

10-24 POS Debit - Debit Card 5487 Transaction 10-22-22 Wal-Mart Super Center

Greensboro NC 10.18 - 8,278.24

10-24 POS Debit - Debit Card 5487 Transaction 10-21-22 Denny's #9322 Greensboro NC 23.64 - 8,254.60

10-24 POS Debit - Debit Card 5487 Transaction 10-22-22 Wm Superc Wal-Mart Sup

Greensboro ( NC 41.15 - 8,213.45

10-24 POS Debit- Debit Card 5487 10-21-22 Sheetz 0647 Hillsborough NC 69.27 - 8,144.18

10-24 POS Debit - Debit Card 5487 Transaction 10-23-22 Speedway 1006 E Caswel

Wadesboro NC 75.00 - 8,069.18

10-24 POS Debit - Debit Card 5487 Transaction 10-22-22 Wm Superc Wal-Mart Sup

Greensboro NC 96.73 - 7,972.45

10-24 POS Debit- Debit Card 5487 10-23-22 Cash App*ninagoins 8774174551 CA 200.00 - 7,772.45

10-24 Cash Withdrawal 6,500.00 - 1,272.45

10-25 POS Debit- Debit Card 5487 10-24-22 Netflix.Com 866-5797172 CA 10.69 - 1,261.76

10-25 POS Debit- Debit Card 5487 10-24-22 Cash App*tamia Bir 877-417-4551 NC 860.00 - 401.76

10-26 POS Debit - Debit Card 5487 Transaction 10-25-22 Wal-Mart Super Center

Greensboro NC 13.04 - 388.72

10-27 POS Debit- Debit Card 5487 10-26-22 Roku For Starz 816-2728107 DE 5.34 - 383.38

10-27 POS Debit- Debit Card 5487 10-26-22 Cash App*ninagoins 8774174551 CA 150.00 - 233.38

10-28 POS Debit- Debit Card 5487 10-27-22 Cash App*calandra 8774174551 CA 50.00 - 183.38

10-31 POS Debit- Debit Card 5487 10-30-22 Cash App*malon Dio 8774174551 CA 50.00 - 133.38

10-31 POS Debit- Debit Card 5487 10-29-22 Cash App*ninagoins 8774174551 CA 100.00 - 33.38

10-31 Dividend 0.01 33.39

11-01 POS Credit Adjustment 5487 Transaction 11-01-22 Zelle*en Route Xp Visa Direct AZ 1,000.00 1,033.39

11-01 Paid To - Health And Style ACH Chk 6120175 305.89 - 727.50

11-02 POS Debit- Debit Card 5487 11-01-22 Cash App*nasra Mah 8774174551 CA 1.00 - 726.50

11-02 POS Debit- Debit Card 5487 11-01-22 Cash App*nasra Mah 8774174551 CA 599.00 - 127.50

11-03 POS Debit- Debit Card 5487 11-02-22 Ohanesian And Ohan 843-6267193 SC 50.00 - 77.50

11-04 Deposit 11-04-22 Fcjn Spout Springs, NC 500.00 577.50

11-04 POS Debit - Debit Card 5487 Transaction 11-03-22 Gold Star E Vass NC 23.91 - 553.59

11-04 Returned Item Fee 2100002 29.00 - 524.59

11-07 POS Debit- Debit Card 5487 11-06-22 Straighttalk*airti 877-430-2355 FL 49.39 - 475.20

11-07 POS Debit - Debit Card 5487 Transaction 11-05-22 Lowe's Foods #1 Greensboro NC 52.96 - 422.24
 Page 4 of 5

Statement Period
10/13/22 - 11/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

11-07 POS Debit - Debit Card 5487 Transaction 11-05-22 Sheetz 0472 Archdale NC 60.00 - 362.24

11-07 POS Debit- Debit Card 5487 11-04-22 Cash App*patience 8774174551 CA 300.00 - 62.24

11-08 POS Debit- Debit Card 5487 11-07-22 Minutekey Boulder CO 7.41 - 54.83

11-09 Deposit 11-08-22 Fcjn Spout Springs, NC 200.00 254.83

11-09 ACH Paid To Square Inc 100.00 - 154.83

11-09 POS Debit- Debit Card 5487 11-08-22 Seekhd.Co*88865574 888-655-7412 NE 0.50 - 154.33

11-09 POS Debit - Debit Card 5487 Transaction 11-09-22 Marathon Petro14 Marshville NC 74.37 - 79.96

11-12 Ending Balance 79.96

Average Daily Balance - Current Cycle: $1,180.14

Your account earned $0.01, with an annual percentage yield earned of 0.01%, for the dividend period from 10-01-2022 through 10-31-2022

Items Paid

Date Item Amount($) Date Item Amount($)

10-17 ACH 0.01 10-24 POS 69.27

11-01 ACH 305.89 10-24 POS 75.00
11-09 ACH 100.00 10-24 POS 96.73
10-13 POS 193.00 10-24 POS 200.00
10-14 POS 95.12 10-24 POS 10.18
10-14 POS 110.55 10-24 POS 23.64
10-14 POS 700.00 10-25 POS 10.69
10-17 POS 190.98 10-25 POS 860.00
10-17 POS 200.00 10-26 POS 13.04
10-17 POS 338.02 10-27 POS 5.34
10-17 POS 7.79 10-27 POS 150.00
10-17 POS 21.33 10-28 POS 50.00
10-17 POS 56.57 10-31 POS 50.00
10-18 POS 75.00 10-31 POS 100.00
10-18 POS 120.00 11-02 POS 599.00
10-18 POS 136.52 11-02 POS 1.00
10-18 POS 48.99 11-03 POS 50.00
10-18 POS 50.48 11-04 POS 23.91
10-19 POS 1,000.00 11-07 POS 52.96
10-19 POS 9.00 11-07 POS 60.00
10-19 POS 11.69 11-07 POS 300.00
10-20 POS 80.02 11-07 POS 49.39
10-20 POS 13.24 11-08 POS 7.41
10-20 POS 51.85 11-09 POS 0.50
10-21 POS 70.00 11-09 POS 74.37
10-24 POS 41.15

Total Total
Fee(s) this period year-to-date*

Total Returned Item Fee(s) $29.00 $58.00

*As of the first statement period that begins in January of each year.

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

10-13 Beginning Balance 5.00

No Transactions This Period

11-12 Ending Balance 5.00

 Page 5 of 5

Statement Period
10/13/22 - 11/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 5

Statement of Account

Statement Period
09/13/22 - 10/12/22

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000OMC90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $1,926.09 $21,804.62 $22,518.61 $1,212.10 $0.19

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $1,931.09 $21,804.62 $22,518.61 $1,217.10 $0.19

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 5

Statement Period
09/13/22 - 10/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

09-13 Beginning Balance 1,926.09

09-13 POS Debit- Debit Card 5487 09-12-22 Cash App*pretty Du 8774174551 CA 120.00 - 1,806.09

09-13 POS Debit- Debit Card 5487 09-12-22 Carthage Animal Ho Carthage NC 480.10 - 1,325.99

09-14 POS Debit- Debit Card 5487 09-13-22 Cash App*ninagoins 8774174551 CA 100.00 - 1,225.99

09-15 POS Credit Adjustment 5487 Transaction 09-15-22 Cash App*cash Out Visa Direct

CA 196.50 1,422.49

09-15 POS Credit Adjustment 5487 Transaction 09-15-22 Zelle*sherman Har Visa Direct CA 450.00 1,872.49

09-16 ATM Fee - Withdrawal 09-15-22 Secu Greensboro NC 1.00 - 1,871.49

09-16 ATM Fee - Withdrawal 09-15-22 Secu Greensboro NC 1.00 - 1,870.49

09-16 ATM Withdrawal 09-15-22 Secu Greensboro NC 502.00 - 1,368.49

09-16 ATM Withdrawal 09-15-22 Secu Greensboro NC 502.00 - 866.49

09-16 POS Debit- Debit Card 5487 09-15-22 Cash App*ninagoins 8774174551 CA 200.00 - 666.49

09-16 POS Debit- Debit Card 5487 09-15-22 Cash App*julia Hai 8774174551 CA 600.00 - 66.49

09-19 POS Credit Adjustment 5487 Transaction 09-17-22 Cash App*cash Out Visa Direct

CA 275.10 341.59

09-19 Bank Wire Deposit 9,700.00 10,041.59

09-19 POS Debit - Debit Card 5487 Transaction 09-17-22 Dollar General # Dg 22 Sanford

NC 7.14 - 10,034.45

09-19 POS Debit- Debit Card 5487 09-17-22 Sq *biscuitville 1 Cameron NC 13.50 - 10,020.95

09-19 POS Debit - Debit Card 5487 Transaction 09-16-22 Harbor Freight Tools 6 High Point

NC 34.12 - 9,986.83

09-20 POS Debit- Debit Card 5487 09-19-22 Cash App*car Guru 8774174551 CA 650.00 - 9,336.83

09-21 POS Credit Adjustment 5487 Transaction 09-21-22 Zelle*en Route Xp Visa Direct AZ 1,750.00 11,086.83

09-21 POS Debit- Debit Card 5487 09-20-22 Sq *wccg 104.5 Fm E Fayettevill NC 600.00 - 10,486.83

09-21 POS Debit- Debit Card 5487 09-20-22 Zelle*certified Ce Visa Direct AZ 1,240.00 - 9,246.83

09-22 POS Debit- Debit Card 5487 09-21-22 Cash App*horace He 877-417-4551 NC 40.00 - 9,206.83
 Page 3 of 5

Statement Period
09/13/22 - 10/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

09-22 POS Debit- Debit Card 5487 09-21-22 Zelle*horace Henr Visa Direct AZ 300.00 - 8,906.83

09-22 POS Debit- Debit Card 5487 09-21-22 Cash App*horace He 877-417-4551 NC 1,300.00 - 7,606.83

09-23 POS Credit Adjustment 5487 Transaction 09-23-22 Zelle*kimberly PA Visa Direct CA 1.00 7,607.83

09-23 POS Credit Adjustment 5487 Transaction 09-23-22 Zelle*kimberly PA Visa Direct CA 250.00 7,857.83

09-23 POS Debit- Debit Card 5487 09-23-22 Zelle*roosevelt H Visa Direct NC 1.00 - 7,856.83

09-23 POS Debit - Debit Card 5487 Transaction 09-22-22 Wal-Mart Super Center

Greensboro NC 32.01 - 7,824.82

09-23 POS Debit- Debit Card 5487 09-22-22 Cash App*pharaoh E 8774174551 CA 100.00 - 7,724.82

09-23 POS Debit- Debit Card 5487 09-22-22 Cash App*kimberly 8774174551 CA 100.00 - 7,624.82

09-23 POS Debit- Debit Card 5487 09-21-22 Audacy Operations, 570-846-2324 PA 963.00 - 6,661.82

09-23 POS Debit- Debit Card 5487 09-23-22 Zelle*roosevelt H Visa Direct NC 1,000.00 - 5,661.82

09-26 POS Credit Adjustment 5487 Transaction 09-24-22 Boardwalk Beach Re 10.00 5,671.82

09-26 POS Debit- Debit Card 5487 09-24-22 Netflix.Com 866-5797172 CA 10.69 - 5,661.13

09-26 POS Debit- Debit Card 5487 09-23-22 Copy King Inc Greensboro NC 101.41 - 5,559.72

09-26 POS Debit- Debit Card 5487 09-23-22 Boardwalk Beach Re Myrtle Beach SC 113.88 - 5,445.84

09-26 POS Debit- Debit Card 5487 09-22-22 Alpha Media LLC - 503-5176495 SC 1,000.00 - 4,445.84

09-26 POS Debit- Debit Card 5487 09-24-22 Wkml-Fm 95.7 910-486-4114 NC 1,600.21 - 2,845.63

09-26 POS Debit- Debit Card 5487 09-24-22 Wbav-Fm 704-227-8090 NC 2,556.25 - 289.38

09-27 POS Credit Adjustment 5487 Transaction 09-27-22 Zelle*kimberly PA Visa Direct CA 1,300.00 1,589.38

09-27 POS Debit- Debit Card 5487 09-26-22 Roku For Starz 816-2728107 DE 5.34 - 1,584.04

09-28 POS Debit - Debit Card 5487 Transaction 09-27-22 Shell Service Station Greensboro

NC 6.37 - 1,577.67

09-28 POS Debit - Debit Card 5487 Transaction 09-27-22 Wal-Mart Super Center

Greensboro NC 7.44 - 1,570.23

09-28 POS Debit- Debit Card 5487 09-27-22 Fins Car Wash 109 Greensboro NC 15.00 - 1,555.23

09-28 POS Debit - Debit Card 5487 Transaction 09-27-22 Lowe's Foods #1 Greensboro NC 24.14 - 1,531.09

09-29 POS Credit Adjustment 5487 Transaction 09-29-22 Cash App*cash Out Visa Direct

CA 1,179.00 2,710.09

09-29 POS Debit- Debit Card 5487 09-27-22 Cumulus Wilmington 910-763-9977 NC 1,242.00 - 1,468.09

09-30 POS Debit- Debit Card 5487 09-29-22 Cash App*modern So 877-417-4551 NC 1,200.00 - 268.09

09-30 Dividend 0.02 268.11

10-03 POS Debit- Debit Card 5487 10-01-22 Cash App*pretty Du 8774174551 CA 50.00 - 218.11

10-04 POS Credit Adjustment 5487 Transaction 10-04-22 Zelle*kimberly PA Visa Direct CA 1,300.00 1,518.11

10-04 POS Debit- Debit Card 5487 10-03-22 Cash App*pretty Du 8774174551 CA 50.00 - 1,468.11

10-04 Returned Item Fee 6120175 29.00 - 1,439.11

10-07 Deposit 3,000.00 4,439.11

10-07 POS Debit- Debit Card 5487 10-06-22 Zelle*jayell Whit Visa Direct AZ 30.00 - 4,409.11

10-07 POS Debit- Debit Card 5487 10-06-22 Cash App*calandra 8774174551 CA 50.00 - 4,359.11

10-07 POS Debit- Debit Card 5487 10-06-22 Curtis Media Group 919-7909392 NC 1,330.00 - 3,029.11

10-11 POS Credit Adjustment 5487 Transaction 10-10-22 Cash App*cash Out Visa Direct

CA 393.00 3,422.11

10-11 POS Credit Adjustment 5487 Transaction 10-08-22 Zelle*sharon Brow Visa Direct AZ 2,000.00 5,422.11

10-11 POS Debit- Debit Card 5487 10-10-22 Seekhd.Co*88865574 888-655-7412 NE 0.50 - 5,421.61

10-11 POS Debit - Debit Card 5487 Transaction 10-07-22 Circle K 05049 3301 S North

Myrtle SC 5.70 - 5,415.91

10-11 POS Debit- Debit Card 5487 10-07-22 Cash App*pretty Du 8774174551 CA 50.00 - 5,365.91

10-11 POS Debit- Debit Card 5487 10-09-22 Boardwalk Beach Re Myrtle Beach SC 207.76 - 5,158.15

10-11 POS Debit- Debit Card 5487 10-08-22 Sq *myrtle Beach G Myrtle Beach SC 221.05 - 4,937.10

10-11 POS Debit- Debit Card 5487 10-07-22 Cash App*kimberly 8774174551 CA 1,500.00 - 3,437.10
 Page 4 of 5

Statement Period
09/13/22 - 10/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

10-11 POS Debit- Debit Card 5487 10-10-22 Cash App*duckn Pro 8774174551 CA 1,875.00 - 1,562.10

10-12 POS Debit- Debit Card 5487 10-11-22 Cash App*pretty Du 8774174551 CA 50.00 - 1,512.10

10-12 POS Debit- Debit Card 5487 10-11-22 Cash App*sarah Rae 8774174551 CA 300.00 - 1,212.10

10-12 Ending Balance 1,212.10

Average Daily Balance - Current Cycle: $2,762.99

Your account earned $0.02, with an annual percentage yield earned of 0.01%, for the dividend period from 09-01-2022 through 09-30-2022

Items Paid

Date Item Amount($) Date Item Amount($)

09-13 POS 120.00 09-26 POS 2,556.25

09-13 POS 480.10 09-27 POS 5.34
09-14 POS 100.00 09-28 POS 6.37
09-16 POS 200.00 09-28 POS 7.44
09-16 POS 600.00 09-28 POS 15.00
09-19 POS 7.14 09-28 POS 24.14
09-19 POS 13.50 09-29 POS 1,242.00
09-19 POS 34.12 09-30 POS 1,200.00
09-20 POS 650.00 10-03 POS 50.00
09-21 POS 600.00 10-04 POS 50.00
09-21 POS 1,240.00 10-07 POS 30.00
09-22 POS 40.00 10-07 POS 50.00
09-22 POS 300.00 10-07 POS 1,330.00
09-22 POS 1,300.00 10-11 POS 0.50
09-23 POS 1.00 10-11 POS 5.70
09-23 POS 32.01 10-11 POS 50.00
09-23 POS 100.00 10-11 POS 207.76
09-23 POS 100.00 10-11 POS 221.05
09-23 POS 963.00 10-11 POS 1,500.00
09-23 POS 1,000.00 10-11 POS 1,875.00
09-26 POS 10.69 10-12 POS 50.00
09-26 POS 101.41 10-12 POS 300.00
09-26 POS 113.88 09-16 ATMO 502.00
09-26 POS 1,000.00 09-16 ATMO 502.00
09-26 POS 1,600.21

Total Total
Fee(s) this period year-to-date*

Total Returned Item Fee(s) $29.00 $29.00

*As of the first statement period that begins in January of each year.

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

09-13 Beginning Balance 5.00

No Transactions This Period

10-12 Ending Balance 5.00

 Page 5 of 5

Statement Period
09/13/22 - 10/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 5

Statement of Account

Statement Period
08/13/22 - 09/12/22

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000SME90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

IMPORTANT CHANGE IN TERMS OF SERVICE

EFFECTIVE AS OF October 30, 2022

We are amending our funds availability policy concerning the deposit of checks into consumer and business accounts.

The details of the change can be found here: navyfederal.org/termsupdate. Please read this information carefully.

If you have questions, please contact Navy Federal at 888-842-6328 or send us an eMessage via online banking.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $966.79 $10,447.01 $9,487.71 $1,926.09 $0.17

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $971.79 $10,447.01 $9,487.71 $1,931.09 $0.17

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 5

Statement Period
08/13/22 - 09/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

08-13 Beginning Balance 966.79

08-15 POS Debit- Debit Card 5487 08-14-22 Love's #507 Salisbury NC 5.54 - 961.25

08-15 POS Debit- Debit Card 5487 08-14-22 Sq *explict Bistro Charlotte NC 6.26 - 954.99

08-15 POS Debit- Debit Card 5487 08-13-22 Sq *michael Musica Charlotte NC 40.00 - 914.99

08-15 POS Debit - Debit Card 5487 Transaction 08-12-22 7-Eleven 35595 Stallings NC 83.00 - 831.99

08-15 POS Debit- Debit Card 5487 08-12-22 Tgi Fridays 1541 Greensboro NC 86.15 - 745.84

08-15 POS Debit- Debit Card 5487 08-12-22 Cash App*amos Hall 8774174551 CA 250.00 - 495.84

08-16 POS Debit- Debit Card 5487 08-14-22 The Island #1 Aberdeen NC 2.76 - 493.08

08-16 POS Debit- Debit Card 5487 08-15-22 Cash App*victoria 8774174551 CA 20.00 - 473.08

08-16 POS Debit- Debit Card 5487 08-15-22 Famous Toastery MA Charlotte NC 44.38 - 428.70

08-17 POS Debit- Debit Card 5487 08-15-22 Crown Point Crab H Charlotte NC 47.06 - 381.64

08-17 POS Debit- Debit Card 5487 08-15-22 Motel 6 Greensboro Greensboro NC 75.08 - 306.56

08-17 POS Debit- Debit Card 5487 08-16-22 Best Western Plus Charlotte NC 114.10 - 192.46

08-22 POS Credit Adjustment 5487 Transaction 08-21-22 Zelle*sherman Har Visa Direct CA 700.00 892.46

08-22 POS Debit- Debit Card 5487 08-19-22 Tavern 74 704-2259095 NC 36.81 - 855.65

08-22 POS Debit- Debit Card 5487 08-20-22 Richmond Rentals A 910-6925145 NC 57.78 - 797.87

08-22 POS Debit - Debit Card 5487 Transaction 08-21-22 Marathon Petro14 Marshville NC 84.01 - 713.86

08-22 POS Debit- Debit Card 5487 08-20-22 Comfort Inns Shelby NC 162.97 - 550.89

08-23 POS Debit- Debit Card 5487 08-22-22 Zelle*jayell Whit Visa Direct AZ 60.00 - 490.89

08-23 POS Debit- Debit Card 5487 08-22-22 Cash App*ninagoins 8774174551 CA 100.00 - 390.89

08-24 ATM Fee - Withdrawal 08-23-22 Wells Fargo Ban Greensboro NC 1.00 - 389.89

08-24 ATM Fee - Withdrawal 08-23-22 Cross Roads Exx Greensboro NC 1.00 - 388.89

08-24 ATM Withdrawal 08-23-22 Wells Fargo Ban Greensboro NC 23.00 - 365.89

08-24 ATM Withdrawal 08-23-22 Cross Roads Exx Greensboro NC 43.00 - 322.89

08-24 POS Debit- Debit Card 5487 08-23-22 Cash App*calandra 8774174551 CA 30.00 - 292.89

08-24 POS Debit- Debit Card 5487 08-22-22 Bonchon - NC Green Greensboro NC 55.19 - 237.70
 Page 3 of 5

Statement Period
08/13/22 - 09/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

08-24 POS Debit- Debit Card 5487 08-23-22 Circle K # 03267 Charlotte NC 85.02 - 152.68

08-24 POS Debit- Debit Card 5487 08-23-22 Cash App*ajul Jone 8774174551 CA 100.00 - 52.68

08-25 POS Debit- Debit Card 5487 08-23-22 Bojangles 618 0100 Marshville NC 16.85 - 35.83

08-26 POS Debit- Debit Card 5487 08-25-22 Roku For Starz 816-2728107 DE 5.34 - 30.49

08-30 POS Credit Adjustment 5487 Transaction 08-30-22 Zelle*kimberly Fr Visa Direct NC 297.00 327.49

08-30 POS Credit Adjustment 5487 Transaction 08-30-22 Zelle*en Route Xp Visa Direct AZ 6,000.00 6,327.49

08-30 Cash Withdrawal 2,650.00 - 3,677.49

08-31 POS Debit- Debit Card 5487 08-30-22 Zelle*certified Ce Visa Direct AZ 1.00 - 3,676.49

08-31 POS Debit- Debit Card 5487 08-31-22 Circle K # 23998 Cameron NC 32.66 - 3,643.83

08-31 POS Debit- Debit Card 5487 08-30-22 Cash App*ajul Jone 8774174551 CA 100.00 - 3,543.83

08-31 POS Debit- Debit Card 5487 08-30-22 Cash App*ninagoins 8774174551 CA 500.00 - 3,043.83

08-31 Dividend 0.01 3,043.84

09-01 POS Debit- Debit Card 5487 08-31-22 Cash App*nasra Mah 8774174551 CA 525.00 - 2,518.84

09-01 Paid To - Health And Style ACH Chk 6120175 305.89 - 2,212.95

09-02 POS Debit- Debit Card 5487 09-01-22 Cash App*kimberly 8774174551 CA 100.00 - 2,112.95

09-02 POS Debit- Debit Card 5487 08-31-22 LA Quinta Motor IN 336-3160100 NC 122.90 - 1,990.05

09-06 POS Credit Adjustment 5487 Transaction 09-03-22 Zelle*en Route Xp Visa Direct AZ 3,000.00 4,990.05

09-06 ATM Fee - Withdrawal 09-04-22 Secu Monroe NC 1.00 - 4,989.05

09-06 ATM Fee - Withdrawal 09-04-22 Secu Monroe NC 1.00 - 4,988.05

09-06 ATM Withdrawal 09-04-22 Secu Monroe NC 502.00 - 4,486.05

09-06 ATM Withdrawal 09-04-22 Secu Monroe NC 502.00 - 3,984.05

09-06 POS Debit- Debit Card 5487 09-05-22 Straighttalk*airti 877-430-2355 FL 49.48 - 3,934.57

09-06 POS Debit - Debit Card 5487 Transaction 09-02-22 Wal-Mart Wal-Mart Sup

Greensboro NC 81.54 - 3,853.03

09-06 POS Debit- Debit Card 5487 09-04-22 Nuvole Rooftop Twe Charlotte NC 132.22 - 3,720.81

09-06 POS Debit- Debit Card 5487 09-04-22 Holiday Inn Expres Monroe NC 188.97 - 3,531.84

09-06 POS Debit- Debit Card 5487 09-02-22 Cash App*ninagoins 8774174551 CA 300.00 - 3,231.84

09-06 POS Debit- Debit Card 5487 09-02-22 Cash App*marcus 8774174551 CA 350.00 - 2,881.84

09-07 POS Debit- Debit Card 5487 09-06-22 Cash App*sevyen Sa 8774174551 CA 80.00 - 2,801.84

09-07 POS Debit- Debit Card 5487 09-04-22 Fairfield Inn&suit Fayetteville NC 179.67 - 2,622.17

09-08 POS Debit- Debit Card 5487 09-07-22 Seekhd.Co*88865574 888-655-7412 NE 0.50 - 2,621.67

09-08 POS Debit- Debit Card 5487 09-07-22 Paypal *vectordesi 402-935-7733 CA 20.00 - 2,601.67

09-08 POS Debit- Debit Card 5487 09-07-22 Zelle*jayell Whit Visa Direct AZ 150.00 - 2,451.67

09-08 POS Debit- Debit Card 5487 09-07-22 Cash App*deonya 8774174551 CA 200.00 - 2,251.67

09-09 POS Credit Adjustment 5487 Transaction 09-09-22 Zelle*kimberly Fr Visa Direct NC 50.00 2,301.67

09-12 POS Credit Adjustment 5487 Transaction 09-12-22 Zelle*sherman Har Visa Direct CA 400.00 2,701.67

09-12 POS Debit- Debit Card 5487 09-09-22 Zelle*certified Ce Visa Direct AZ 145.00 - 2,556.67

09-12 POS Debit- Debit Card 5487 09-08-22 Copy King Inc Greensboro NC 288.23 - 2,268.44

09-12 POS Debit - Debit Card 5487 Transaction 09-10-22 Hibbett Sports #1201 Wadesboro

NC 342.35 - 1,926.09

09-12 Ending Balance 1,926.09

Average Daily Balance - Current Cycle: $1,240.44

Your account earned $0.01, with an annual percentage yield earned of 0.02%, for the dividend period from 08-01-2022 through 08-31-2022

Items Paid

Date Item Amount($) Date Item Amount($)

09-01 ACH 305.89 08-15 POS 86.15

08-15 POS 6.26 08-15 POS 250.00
08-15 POS 40.00 08-15 POS 5.54
08-15 POS 83.00 08-16 POS 20.00
 Page 4 of 5

Statement Period
08/13/22 - 09/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Items Paid (Continued from previous page)

Date Item Amount($) Date Item Amount($)

08-16 POS 44.38 09-02 POS 100.00

08-16 POS 2.76 09-02 POS 122.90
08-17 POS 75.08 09-06 POS 49.48
08-17 POS 114.10 09-06 POS 81.54
08-17 POS 47.06 09-06 POS 132.22
08-22 POS 57.78 09-06 POS 188.97
08-22 POS 84.01 09-06 POS 300.00
08-22 POS 162.97 09-06 POS 350.00
08-22 POS 36.81 09-07 POS 80.00
08-23 POS 100.00 09-07 POS 179.67
08-23 POS 60.00 09-08 POS 0.50
08-24 POS 55.19 09-08 POS 20.00
08-24 POS 85.02 09-08 POS 150.00
08-24 POS 100.00 09-08 POS 200.00
08-24 POS 30.00 09-12 POS 145.00
08-25 POS 16.85 09-12 POS 288.23
08-26 POS 5.34 09-12 POS 342.35
08-31 POS 32.66 08-24 ATMO 43.00
08-31 POS 100.00 08-24 ATMO 23.00
08-31 POS 500.00 09-06 ATMO 502.00
08-31 POS 1.00 09-06 ATMO 502.00
09-01 POS 525.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

08-13 Beginning Balance 5.00

No Transactions This Period

09-12 Ending Balance 5.00

 Page 5 of 5

Statement Period
08/13/22 - 09/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 5

Statement of Account

Statement Period
07/13/22 - 08/12/22

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000AMU90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

IMPORTANT CHANGE IN TERMS NOTICE

EFFECTIVE AS OF September 17, 2022
We are amending disclosures associated with certain product(s) you may have: the Navy Federal Credit Union Card (CUCARD) and

Personal Identification Number Disclosure Statement, the Navy Federal Credit Union GO Prepaid Card Website Terms and Conditions,
and the Debit Card Disclosure (collectively, "Disclosures"). The Disclosures can be found here: navyfederal.org/termsupdate.

Your continued membership or use of your account(s) on or after the Effective Date constitutes your acceptance of these changes.
Please read the Disclosures carefully and retain the Disclosures for your records. If you have questions, please contact Navy Federal
at 888-842-6328.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $186.32 $5,492.61 $4,712.14 $966.79 $0.16

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $191.32 $5,492.61 $4,712.14 $971.79 $0.16

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 5

Statement Period
07/13/22 - 08/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

07-13 Beginning Balance 186.32

07-14 POS Debit- Debit Card 9351 07-12-22 Kickback Jacks 37 Greensboro NC 71.49 - 114.83

07-15 POS Credit Adjustment 9351 Transaction 07-15-22 Zelle*sherman Har Visa Direct CA 300.00 414.83

07-15 POS Debit- Debit Card 9351 07-15-22 Panera Bread #2049 330-856-3176 NC 29.74 - 385.09

07-18 POS Debit- Debit Card 9351 07-17-22 Coopers Ale House Greensboro NC 24.00 - 361.09

07-18 POS Debit- Debit Card 9351 07-17-22 Cash App*nick Cols 8774174551 CA 40.00 - 321.09

07-18 POS Debit- Debit Card 9351 07-17-22 Kickback Jacks 49 Greensboro NC 46.33 - 274.76

07-18 POS Debit- Debit Card 9351 07-16-22 Cash App*pretty Du 8774174551 CA 60.00 - 214.76

07-19 Deposit 07-18-22 Fcjn Spout Springs, NC 400.00 614.76

07-19 POS Debit- Debit Card 9351 07-18-22 Tropical Smoothie Greensboro NC 10.65 - 604.11

07-19 POS Debit- Debit Card 9351 07-18-22 Cameron Express WA Cameron NC 17.08 - 587.03

07-19 POS Debit- Debit Card 9351 07-18-22 Crumbl 180-14101313 UT 19.32 - 567.71

07-19 POS Debit - Debit Card 9351 Transaction 07-18-22 Circle K # 23998 2531 Cameron

NC 41.59 - 526.12

07-19 POS Debit- Debit Card 9351 07-17-22 Sheetz 0566 Thomasville NC 86.00 - 440.12

07-19 POS Debit- Debit Card 9351 07-19-22 Zelle*jayell Whit Visa Direct AZ 100.00 - 340.12

07-20 POS Debit- Debit Card 9351 07-18-22 Hardees 1667 Cameron NC 15.65 - 324.47

07-20 POS Debit- Debit Card 9351 07-19-22 Zelle*nina Goins Visa Direct AZ 300.00 - 24.47

07-21 POS Debit- Debit Card 9351 07-20-22 Carolinas Diner103 Greensboro NC 20.26 - 4.21

07-25 POS Credit Adjustment 9351 Transaction 07-23-22 Cash App*cash Out Visa Direct

CA 255.45 259.66

07-25 POS Credit Adjustment 9351 Transaction 07-25-22 Zelle*en Route Xp Visa Direct AZ 1,000.00 1,259.66

07-26 POS Debit- Debit Card 9351 07-25-22 Cash App*tamika Gr 8774174551 CA 100.00 - 1,159.66

07-27 POS Debit - Debit Card 9351 Transaction 07-26-22 Qt 1044 Outside Kannapolis NC 83.34 - 1,076.32

07-29 POS Debit- Debit Card 9351 07-26-22 Exsbilling.Com 800-594-1364 CA 45.94 - 1,030.38
 Page 3 of 5

Statement Period
07/13/22 - 08/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

08-01 POS Credit Adjustment 9351 Transaction 07-31-22 Cash App*cash Out Visa Direct

CA 196.50 1,226.88

08-01 Deposit 900.00 2,126.88

08-01 POS Debit- Debit Card 9351 07-29-22 Cash App*marcella 8774174551 CA 50.00 - 2,076.88

08-01 POS Debit - Debit Card 9351 Transaction 07-29-22 Qt 1004 Outside Charlotte NC 84.00 - 1,992.88

08-01 POS Debit- Debit Card 9351 07-30-22 Eddie V's 0178521 Charlotte NC 260.00 - 1,732.88

08-01 POS Debit - Debit Card 9351 Transaction 07-30-22 Belk #01 Monroe 2115 W Monroe

NC 491.05 - 1,241.83

08-01 Paid To - Health And Style ACH Chk 6120175 305.89 - 935.94

08-02 POS Debit - Debit Card 9351 Transaction 08-01-22 Linden Oaks Libe Cameron NC 57.00 - 878.94

08-02 POS Debit- Debit Card 9351 08-01-22 Cash App*shontae J 8774174551 CA 100.00 - 778.94

08-02 POS Debit- Debit Card 9351 07-31-22 Flemings 4401 Greensboro NC 212.43 - 566.51

08-02 POS Debit- Debit Card 9351 08-01-22 American Air001244 Fort Worth TX 555.70 - 10.81

08-04 POS Credit Adjustment 9351 Transaction 08-02-22 American Air001244 40.00 50.81

08-04 Deposit 08-03-22 Fcjn Spout Springs, NC 1,000.00 1,050.81

08-04 POS Debit- Debit Card 9351 08-03-22 Tidal Wave Pinehur Aberdeen NC 10.69 - 1,040.12

08-04 POS Debit - Debit Card 9351 Transaction 08-04-22 Wal-Mart Super Center

Greensboro NC 66.35 - 973.77

08-04 POS Debit- Debit Card 9351 08-03-22 Cash App*william M 8774174551 CA 200.00 - 773.77

08-08 POS Debit- Debit Card 5487 08-07-22 Seekhd.Co*88865574 888-655-7412 NE 0.50 - 773.27

08-08 POS Debit- Debit Card 5487 08-07-22 Seekhd.Co*88865574 888-655-7412 NE 0.50 - 772.77

08-08 POS Debit- Debit Card 5487 08-07-22 Seekhd.Co*88865574 888-655-7412 NE 0.50 - 772.27

08-08 POS Debit- Debit Card 5487 08-07-22 Seekhd.Co*88865574 888-655-7412 NE 0.50 - 771.77

08-08 POS Debit- Debit Card 5487 08-06-22 Tattooz And Booz Charlotte NC 22.09 - 749.68

08-08 POS Debit- Debit Card 9351 08-05-22 Anywherestories 866-703-7912 NJ 44.62 - 705.06

08-08 POS Debit- Debit Card 5487 08-06-22 Tattooz And Booz Charlotte NC 47.19 - 657.87

08-08 POS Debit- Debit Card 9351 08-05-22 Straighttalk*airti 877-430-2355 FL 49.48 - 608.39

08-08 POS Debit- Debit Card 9351 08-04-22 Copy King Inc 336-3339900 NC 64.05 - 544.34

08-08 POS Debit- Debit Card 9351 08-04-22 Outback 3459 Raleigh NC 80.00 - 464.34

08-08 POS Debit- Debit Card 5487 08-06-22 Sq *city Art Room, Gosq.Com NC 127.74 - 336.60

08-08 POS Debit- Debit Card 5487 08-06-22 Hilton Garden Inn Greensboro NC 295.41 - 41.19

08-09 Adjustment - CR 44.62 85.81

08-10 Deposit 08-10-22 Fcjn Spout Springs, NC 521.04 606.85

08-11 POS Credit Adjustment 5487 Transaction 08-11-22 Zelle*kimberly Fr Visa Direct NC 1.00 607.85

08-11 POS Credit Adjustment 5487 Transaction 08-11-22 Zelle*sherman Har Visa Direct CA 335.00 942.85

08-11 POS Credit Adjustment 5487 Transaction 08-11-22 Zelle*kimberly Fr Visa Direct NC 499.00 1,441.85

08-11 POS Debit- Debit Card 5487 08-10-22 Circle K # 23301 Aberdeen NC 57.00 - 1,384.85

08-12 POS Debit- Debit Card 5487 08-11-22 Richmond Rentals A 910-6925145 NC 53.50 - 1,331.35

08-12 POS Debit - Debit Card 5487 Transaction 08-12-22 Wm Superc Wal-Mart Sup

Charlotte (W) NC 164.56 - 1,166.79

08-12 POS Debit- Debit Card 5487 08-11-22 Zelle*dimitri Bal Visa Direct AZ 200.00 - 966.79

08-12 Ending Balance 966.79

Average Daily Balance - Current Cycle: $543.67

Items Paid

Date Item Amount($) Date Item Amount($)

08-01 ACH 305.89 07-18 POS 46.33

07-14 POS 71.49 07-18 POS 60.00
07-15 POS 29.74 07-18 POS 24.00
07-18 POS 40.00 07-19 POS 17.08
 Page 4 of 5

Statement Period
07/13/22 - 08/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Items Paid (Continued from previous page)

Date Item Amount($) Date Item Amount($)

07-19 POS 19.32 08-04 POS 10.69

07-19 POS 41.59 08-04 POS 66.35
07-19 POS 86.00 08-04 POS 200.00
07-19 POS 100.00 08-08 POS 0.50
07-19 POS 10.65 08-08 POS 0.50
07-20 POS 300.00 08-08 POS 0.50
07-20 POS 15.65 08-08 POS 0.50
07-21 POS 20.26 08-08 POS 22.09
07-26 POS 100.00 08-08 POS 44.62
07-27 POS 83.34 08-08 POS 47.19
07-29 POS 45.94 08-08 POS 49.48
08-01 POS 84.00 08-08 POS 64.05
08-01 POS 260.00 08-08 POS 80.00
08-01 POS 491.05 08-08 POS 127.74
08-01 POS 50.00 08-08 POS 295.41
08-02 POS 57.00 08-11 POS 57.00
08-02 POS 100.00 08-12 POS 53.50
08-02 POS 212.43 08-12 POS 164.56
08-02 POS 555.70 08-12 POS 200.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

07-13 Beginning Balance 5.00

No Transactions This Period

08-12 Ending Balance 5.00

 Page 5 of 5

Statement Period
07/13/22 - 08/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
06/13/22 - 07/12/22

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000JML90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $1,247.77 $3,265.27 $4,326.72 $186.32 $0.16
Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $1,252.77 $3,265.27 $4,326.72 $191.32 $0.16

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
06/13/22 - 07/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

06-13 Beginning Balance 1,247.77

06-13 POS Credit Adjustment 9351 Transaction 06-12-22 Zelle*sherman Har Visa Direct CA 45.00 1,292.77

06-13 POS Credit Adjustment 9351 Transaction 06-13-22 Cash App*cash Out Visa Direct
CA 490.27 1,783.04

06-13 POS Debit - Debit Card 9351 Transaction 06-12-22 Shell Service Station Cary NC 5.09 - 1,777.95

06-13 POS Debit- Debit Card 9351 06-11-22 Hardees 1647 Sanford NC 11.21 - 1,766.74

06-13 POS Debit - Debit Card 9351 Transaction 06-11-22 Sheetz 0540 Apex NC 15.43 - 1,751.31

06-13 POS Debit- Debit Card 9351 06-10-22 Cash App*calandra 8774174551 CA 65.00 - 1,686.31

06-13 POS Debit- Debit Card 9351 06-11-22 Circle K # 23778 Sanford NC 85.00 - 1,601.31

06-13 POS Debit- Debit Card 9351 06-10-22 Cash App*derrick M 8774174551 CA 100.00 - 1,501.31

06-13 POS Debit- Debit Card 9351 06-13-22 Zelle*jayell Whit Visa Direct AZ 100.00 - 1,401.31

06-13 POS Debit- Debit Card 9351 06-09-22 Quality Inns Apex NC 123.44 - 1,277.87

06-13 POS Debit- Debit Card 9351 06-10-22 Cash App*ninagoins 8774174551 CA 250.00 - 1,027.87

06-14 POS Credit Adjustment 9351 Transaction 06-14-22 Zelle*sherman Har Visa Direct CA 150.00 1,177.87

06-14 POS Credit Adjustment 9351 Transaction 06-14-22 Zelle*tamika Gree Visa Direct VA 920.00 2,097.87

06-14 POS Debit- Debit Card 9351 06-13-22 Zelle*kimberly Fr Visa Direct AZ 1.00 - 2,096.87

06-14 POS Debit- Debit Card 9351 06-13-22 NC Quick Pass 800-950-1292 NC 137.88 - 1,958.99

06-14 POS Debit - Debit Card 9351 Transaction 06-13-22 Lims Greensboro NC 234.85 - 1,724.14

06-14 POS Debit- Debit Card 9351 06-13-22 Zelle*kimberly Fr Visa Direct AZ 499.00 - 1,225.14

06-15 ATM Fee - Withdrawal 06-14-22 A359379 Atlanta GA 1.00 - 1,224.14

06-15 ATM Fee - Denied Transaction 06-14-22 Wells Fargo Ban Smyrna GA 1.00 - 1,223.14

06-15 ATM Fee - Denied Transaction 06-14-22 Wells Fargo Ban Smyrna GA 1.00 - 1,222.14

06-15 ATM Withdrawal 06-15-22 Fcpc Sandy Springs, GA 100.00 - 1,122.14

06-15 ATM Withdrawal 06-14-22 A359379 Atlanta GA 202.99 - 919.15

06-15 POS Debit- Debit Card 9351 06-13-22 Exxonmobil Townville SC 79.00 - 840.15

06-16 POS Debit- Debit Card 9351 06-14-22 Ihop #0426 Marietta GA 25.28 - 814.87
 Page 3 of 4

Statement Period
06/13/22 - 07/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

06-16 POS Debit- Debit Card 9351 06-15-22 T J Applebe0886448 Atlanta GA 52.99 - 761.88

06-16 POS Debit- Debit Card 9351 06-14-22 Comfort Inn And Su Smyrna GA 126.56 - 635.32

06-17 POS Debit- Debit Card 9351 06-16-22 Cash App*jamie And 8774174551 CA 70.00 - 565.32

06-17 POS Debit- Debit Card 9351 06-15-22 Shell Oil 10011009 Sandy Springs GA 85.00 - 480.32

06-17 POS Debit- Debit Card 9351 06-15-22 Shell Oil 10011009 Sandy Springs GA 88.00 - 392.32

06-17 POS Debit- Debit Card 9351 06-15-22 Sheetz 0366 Greensboro NC 90.00 - 302.32

06-17 POS Debit- Debit Card 9351 06-16-22 Edible Arrangement Monroe NC 102.67 - 199.65

06-21 POS Debit- Debit Card 9351 06-17-22 Cash App*saneya Hu 8774174551 CA 50.00 - 149.65

06-21 POS Debit- Debit Card 9351 06-19-22 Shell Oil 12478143 Concord NC 75.00 - 74.65

06-21 POS Debit- Debit Card 9351 06-17-22 Cash App*kimberly 8774174551 CA 100.00 - 25.35 -

06-21 POS Debit- Debit Card 9351 06-17-22 Shell Oil 91002192 West End NC 100.00 - 125.35 -

06-30 POS Credit Adjustment 9351 Transaction 06-30-22 Zelle*sherman Har Visa Direct CA 300.00 174.65

07-01 POS Credit Adjustment 9351 Transaction 07-01-22 Zelle*sherman Har Visa Direct CA 200.00 374.65

07-01 Deposit 07-01-22 Fcjn Spout Springs, NC 500.00 874.65

07-01 Paid To - Health And Style ACH Chk 6120175 305.89 - 568.76

07-05 POS Debit- Debit Card 9351 07-02-22 Cash App*calandra 8774174551 CA 40.00 - 528.76

07-05 POS Debit- Debit Card 9351 07-03-22 Tst* The Spot - MO Monroe NC 75.76 - 453.00

07-05 POS Debit - Debit Card 9351 Transaction 07-02-22 Wm Superc Wal-Mart Sup
Charlotte (W) NC 97.83 - 355.17

07-05 POS Debit - Debit Card 9351 Transaction 07-04-22 BP#2542033Sandy China Grove
NC 100.00 - 255.17

07-06 POS Debit- Debit Card 9351 07-05-22 Panera Bread #2049 Greensboro NC 24.26 - 230.91

07-06 POS Debit - Debit Card 9351 Transaction 07-05-22 Shell Service S Archdale NC 75.00 - 155.91

07-07 POS Debit - Debit Card 9351 Transaction 07-06-22 Sam's Mart # 57 Charlotte NC 22.00 - 133.91

07-07 POS Debit- Debit Card 9351 07-06-22 Cash App*ninagoins 8774174551 CA 100.00 - 33.91

07-08 Deposit 07-07-22 Fcjn Spout Springs, NC 660.00 693.91

07-08 POS Debit- Debit Card 9351 07-07-22 Cash App*ninagoins 8774174551 CA 150.00 - 543.91

07-11 POS Debit- Debit Card 9351 07-10-22 Sq *black Net Wort Raleigh NC 4.20 - 539.71

07-11 POS Debit- Debit Card 9351 07-09-22 Cash App*talana Ni 877-417-4551 CT 100.00 - 439.71

07-11 POS Debit- Debit Card 9351 07-10-22 Clkbank*com_2P57Uq 800-390-6035 ID 209.23 - 230.48

07-12 POS Debit- Debit Card 9351 07-11-22 Bourbon Bowl 336-6173038 NC 21.35 - 209.13

07-12 POS Debit- Debit Card 9351 07-11-22 Bourbon Bowl 336-6173038 NC 22.81 - 186.32

07-12 Ending Balance 186.32

Average Daily Balance - Current Cycle: $278.07

Items Paid

Date Item Amount($) Date Item Amount($)

07-01 ACH 305.89 06-17 POS 85.00

06-15 ATM 100.00 06-17 POS 88.00
06-13 POS 15.43 06-17 POS 90.00
06-13 POS 65.00 06-17 POS 102.67
06-13 POS 85.00 06-17 POS 70.00
06-13 POS 100.00 06-21 POS 75.00
06-13 POS 100.00 06-21 POS 100.00
06-13 POS 123.44 06-21 POS 100.00
06-13 POS 250.00 06-21 POS 50.00
06-13 POS 5.09 07-05 POS 40.00
06-13 POS 11.21 07-05 POS 75.76
06-14 POS 234.85 07-05 POS 97.83
06-14 POS 499.00 07-05 POS 100.00
06-14 POS 1.00 07-06 POS 24.26
06-14 POS 137.88 07-06 POS 75.00
06-15 POS 79.00 07-07 POS 22.00
06-16 POS 52.99 07-07 POS 100.00
06-16 POS 126.56 07-08 POS 150.00
06-16 POS 25.28 07-11 POS 4.20
 Page 4 of 4

Statement Period
06/13/22 - 07/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Items Paid (Continued from previous page)

Date Item Amount($) Date Item Amount($)

07-11 POS 100.00 07-12 POS 22.81

07-11 POS 209.23 06-15 ATMO 202.99
07-12 POS 21.35

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

06-13 Beginning Balance 5.00

No Transactions This Period

07-12 Ending Balance 5.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
05/13/22 - 06/12/22

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000JMU90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

IMPORTANT CHANGE IN TERMS NOTICE

EFFECTIVE AS OF JULY 1, 2022
We are amending your Important Disclosures ("Disclosure"). Your Disclosures can be found

here: www.navyfederal.org/form606. Your continued membership or use of your account(s)

on or after the Effective Date constitutes your acceptance of these changes. Please read

the Disclosures carefully and retain the Disclosures for your records. If you have

questions, please contact Navy Federal at 888-842-6328.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $745.98 $3,722.01 $3,220.22 $1,247.77 $0.16

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $750.98 $3,722.01 $3,220.22 $1,252.77 $0.16

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
05/13/22 - 06/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

05-13 Beginning Balance 745.98

05-16 POS Debit- Debit Card 9351 05-13-22 Cash App*douglas H 8774174551 CA 60.00 - 685.98

05-18 POS Debit- Debit Card 9351 05-17-22 Childress Klein PA Charlotte NC 5.00 - 680.98

05-23 ATM Withdrawal 05-21-22 7Eleven-FC Stallings NC 200.00 - 480.98

05-24 POS Debit - Debit Card 9351 Transaction 05-23-22 Shell Service Station West End

NC 93.01 - 387.97

05-25 POS Credit Adjustment 9351 Transaction 05-23-22 Instant Tax Soluti 1,400.00 1,787.97

05-25 POS Debit - Debit Card 9351 Transaction 05-24-22 Mens Wearhouse #3209

Greensboro NC 170.79 - 1,617.18

05-27 POS Debit - Debit Card 9351 Transaction 05-26-22 Shell Service Station Indian Trail

NC 80.00 - 1,537.18

05-31 POS Debit- Debit Card 9351 05-27-22 The Grand Theatre Greensboro NC 24.58 - 1,512.60

05-31 POS Debit- Debit Card 9351 05-28-22 Queen Soul Food Charlotte NC 39.00 - 1,473.60

05-31 POS Debit - Debit Card 9351 Transaction 05-29-22 Food Lion #0422 7206 M

Marshville NC 55.73 - 1,417.87

05-31 POS Debit- Debit Card 9351 05-29-22 Sp Nextgen-Abs Httpswww.Next NV 79.99 - 1,337.88

05-31 POS Debit- Debit Card 9351 05-28-22 Cash App*jamie And 8774174551 CA 80.00 - 1,257.88

05-31 POS Debit- Debit Card 9351 05-27-22 Dames Chicken & WA 336-2757222 NC 82.30 - 1,175.58

05-31 POS Debit- Debit Card 9351 05-27-22 Zelle*ciara Johns Visa Direct AZ 90.00 - 1,085.58

05-31 POS Debit- Debit Card 9351 05-28-22 Lebos Shoe Store C Charlotte NC 713.19 - 372.39

05-31 Dividend 0.01 372.40

06-01 Deposit 06-01-22 Fcjn Spout Springs, NC 300.00 672.40

06-01 Paid To - Health And Style ACH Chk 6120175 305.89 - 366.51

06-02 POS Debit- Debit Card 9351 06-01-22 Cash App*kimberly 8774174551 CA 25.00 - 341.51

06-02 POS Debit- Debit Card 9351 06-01-22 Cash App*nasra Mah 8774174551 CA 220.00 - 121.51
 Page 3 of 4

Statement Period
05/13/22 - 06/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

06-03 POS Credit Adjustment 9351 Transaction 06-03-22 Cash App*cash Out Visa Direct

CA 98.25 219.76

06-03 POS Credit Adjustment 9351 Transaction 06-03-22 Zelle*sherman Har Visa Direct CA 370.00 589.76

06-03 POS Debit- Debit Card 9351 06-02-22 Cash App*kimberly 8774174551 CA 35.00 - 554.76

06-06 POS Credit Adjustment 9351 Transaction 06-04-22 Cash App*cash Out Visa Direct

CA 294.75 849.51

06-06 POS Debit- Debit Card 9351 06-04-22 MI Barrio H Latin Charlotte NC 42.85 - 806.66

06-06 POS Debit- Debit Card 9351 06-04-22 Cash App*crawley 8774174551 CA 50.00 - 756.66

06-06 POS Debit- Debit Card 9351 06-04-22 Marathon Petro1435 Marshville NC 60.00 - 696.66

06-06 POS Debit- Debit Card 9351 06-04-22 Marathon Petro1435 Marshville NC 70.00 - 626.66

06-06 POS Debit- Debit Card 9351 06-04-22 Shake Shake Seafoo Monroe NC 105.74 - 520.92

06-06 POS Debit- Debit Card 9351 06-03-22 Zelle*nina Goins Visa Direct AZ 250.00 - 270.92

06-07 POS Debit- Debit Card 9351 06-05-22 Holiday Inn & Suit Fayetteville NC 192.15 - 78.77

06-09 POS Credit Adjustment 9351 Transaction 06-09-22 Zelle*sherman Har Visa Direct CA 259.00 337.77

06-09 POS Credit Adjustment 9351 Transaction 06-09-22 Zelle*en Route Xp Visa Direct AZ 1,000.00 1,337.77

06-10 POS Debit - Debit Card 9351 Transaction 06-09-22 Sunoco 07869589 Polkton NC 90.00 - 1,247.77

06-12 Ending Balance 1,247.77

Average Daily Balance - Current Cycle: $816.16

Your account earned $0.01, with an annual percentage yield earned of 0.02%, for the dividend period from 05-01-2022 through 05-31-2022

Items Paid

Date Item Amount($) Date Item Amount($)

06-01 ACH 305.89 05-31 POS 24.58

05-16 POS 60.00 06-02 POS 25.00
05-18 POS 5.00 06-02 POS 220.00
05-24 POS 93.01 06-03 POS 35.00
05-25 POS 170.79 06-06 POS 42.85
05-27 POS 80.00 06-06 POS 50.00
05-31 POS 39.00 06-06 POS 60.00
05-31 POS 55.73 06-06 POS 70.00
05-31 POS 79.99 06-06 POS 105.74
05-31 POS 80.00 06-06 POS 250.00
05-31 POS 82.30 06-07 POS 192.15
05-31 POS 90.00 06-10 POS 90.00
05-31 POS 713.19 05-23 ATMO 200.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

05-13 Beginning Balance 5.00

No Transactions This Period

06-12 Ending Balance 5.00

 Page 4 of 4

Statement Period
05/13/22 - 06/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
04/13/22 - 05/12/22

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000MMY90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $6,293.17 $1,332.58 $6,879.77 $745.98 $0.15

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $6,298.17 $1,332.58 $6,879.77 $750.98 $0.15

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
04/13/22 - 05/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

04-13 Beginning Balance 6,293.17

04-15 POS Debit- Debit Card 9351 04-14-22 Rev Auth Pgc Med C Largo MD 7.00 - 6,286.17

04-18 POS Debit- Debit Card 9351 04-14-22 Princegeo Hosp Gs Cheverly MD 114.41 - 6,171.76

04-18 POS Debit - Debit Card 9351 Transaction 04-15-22 Dtlr 029 Colonial Heig VA 358.02 - 5,813.74

04-20 POS Debit- Debit Card 9351 04-19-22 Cash App*april 8774174551 CA 100.00 - 5,713.74

04-22 POS Debit- Debit Card 9351 04-21-22 Cash App*ajul Jone 8774174551 CA 200.00 - 5,513.74

04-25 POS Debit- Debit Card 9351 04-23-22 Cash App*patience 8774174551 CA 100.00 - 5,413.74

04-28 POS Debit- Debit Card 9351 04-26-22 Tobacco & Vape Dis High Point NC 3.72 - 5,410.02

04-28 POS Debit- Debit Card 9351 04-27-22 Cash App*william M 8774174551 CA 700.00 - 4,710.02

04-29 Cash Withdrawal 4,000.00 - 710.02

04-29 Dividend 0.05 710.07

05-02 POS Debit- Debit Card 9351 05-01-22 Cash App*kris Dall 8774174551 CA 20.00 - 690.07

05-02 POS Debit - Debit Card 9351 Transaction 05-01-22 Shell Service Station Archdale NC 75.00 - 615.07

05-02 POS Debit- Debit Card 9351 05-01-22 Cash App*tia 8774174551 CA 80.00 - 535.07

05-02 POS Debit - Debit Card 9351 Transaction 04-30-22 Wal-Mart Super Center

Greensboro NC 87.37 - 447.70

05-02 Paid To - Health And Style ACH Chk 6120175 305.89 - 141.81

05-03 POS Credit Adjustment 9351 Transaction 05-03-22 Zelle*a2B Transpo Visa Direct AZ 1.00 142.81

05-03 POS Credit Adjustment 9351 Transaction 05-03-22 Cash App*cash Out Visa Direct

CA 40.28 183.09

05-03 POS Credit Adjustment 9351 Transaction 05-03-22 Cash App*cash Out Visa Direct

CA 491.25 674.34

05-04 POS Debit- Debit Card 9351 05-03-22 Zelle*brown Make A Visa Direct AZ 1.00 - 673.34

05-04 POS Debit- Debit Card 9351 05-03-22 Zelle*a2B Transpor Visa Direct AZ 1.00 - 672.34

05-04 POS Debit- Debit Card 9351 05-03-22 Cash App*nasra Mah 8774174551 CA 520.00 - 152.34

05-06 POS Credit Adjustment 9351 Transaction 05-06-22 Zelle*kimberly Re Visa Direct WV 300.00 452.34
 Page 3 of 4

Statement Period
04/13/22 - 05/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

05-09 POS Debit- Debit Card 9351 05-06-22 Cash App*calandra 8774174551 CA 100.00 - 352.34

05-09 POS Debit- Debit Card 9351 05-07-22 Cash App*ninagoins 8774174551 CA 100.00 - 252.34

05-12 Deposit 05-11-22 Fcqr Fort Lee Colonial Hght 500.00 752.34

05-12 POS Debit- Debit Card 9351 05-11-22 Comfort Inns/Sts C 8045208900 VA 2.11 - 750.23

05-12 POS Debit - Debit Card 9351 Transaction 05-11-22 Sheetz 0321 Colonial Hts VA 4.25 - 745.98

05-12 Ending Balance 745.98

Average Daily Balance - Current Cycle: $3,270.10

Your account earned $0.05, with an annual percentage yield earned of 0.01%, for the dividend period from 04-01-2022 through 04-30-2022

Items Paid

Date Item Amount($) Date Item Amount($)

05-02 ACH 305.89 05-02 POS 80.00

04-15 POS 7.00 05-02 POS 87.37
04-18 POS 358.02 05-02 POS 20.00
04-18 POS 114.41 05-04 POS 1.00
04-20 POS 100.00 05-04 POS 1.00
04-22 POS 200.00 05-04 POS 520.00
04-25 POS 100.00 05-09 POS 100.00
04-28 POS 700.00 05-09 POS 100.00
04-28 POS 3.72 05-12 POS 2.11
05-02 POS 75.00 05-12 POS 4.25

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

04-13 Beginning Balance 5.00

No Transactions This Period

05-12 Ending Balance 5.00

 Page 4 of 4

Statement Period
04/13/22 - 05/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
03/13/22 - 04/12/22

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000AMP90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $10,163.65 $213.79 $4,084.27 $6,293.17 $0.10

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $10,168.65 $213.79 $4,084.27 $6,298.17 $0.10

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
03/13/22 - 04/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

03-13 Beginning Balance 10,163.65

03-14 POS Credit Adjustment 6753 Transaction 03-14-22 Zelle*sherman Har Visa Direct CA 140.00 10,303.65

03-16 POS Debit - Debit Card 6753 Transaction 03-15-22 Marathon Petro26 Hopewell VA 12.60 - 10,291.05

03-21 POS Debit- Debit Card 6753 03-20-22 Zelle*nina Goins Visa Direct AZ 250.00 - 10,041.05

03-23 POS Debit - Debit Card 6753 Transaction 03-22-22 Belk #01 Monroe 2115 W Monroe

NC 288.21 - 9,752.84

03-25 POS Debit- Debit Card 6753 03-24-22 Cash App*calandra 8774174551 CA 100.00 - 9,652.84

03-25 POS Debit- Debit Card 6753 03-24-22 Cash App*babyjay J 8774174551 CA 200.00 - 9,452.84

03-25 POS Debit- Debit Card 6753 03-24-22 Cash App*charity 8774174551 CA 250.00 - 9,202.84

03-25 POS Debit- Debit Card 6753 03-24-22 Instant Tax Soluti 877-7734994 ID 360.00 - 8,842.84

03-28 POS Debit- Debit Card 6753 03-25-22 Cash App*jeff Rive 8774174551 CA 50.00 - 8,792.84

03-28 POS Debit- Debit Card 6753 03-26-22 Cash App*babyjay J 8774174551 CA 50.00 - 8,742.84

03-28 POS Debit- Debit Card 6753 03-26-22 Zelle*jayell Whit Visa Direct AZ 100.00 - 8,642.84

03-29 POS Debit- Debit Card 6753 03-27-22 Hilton Garden Inn Lithonia GA 519.55 - 8,123.29

03-30 POS Debit- Debit Card 6753 03-29-22 Zelle*nina Goins Visa Direct AZ 200.00 - 7,923.29

03-30 POS Debit- Debit Card 6753 03-29-22 Cash App*ajul Jone 8774174551 CA 300.00 - 7,623.29

03-31 Dividend 0.10 7,623.39

04-01 Paid To - Health And Style ACH Chk 6120175 305.89 - 7,317.50

04-04 POS Debit- Debit Card 6753 04-01-22 Cameron Express WA 252-266-4667 NC 21.34 - 7,296.16

04-04 POS Debit- Debit Card 6753 04-03-22 Cash App*kimberly 8774174551 CA 100.00 - 7,196.16

04-05 POS Debit- Debit Card 6753 04-04-22 Cash App*terrius R 8774174551 CA 75.00 - 7,121.16

04-05 POS Debit- Debit Card 6753 04-03-22 Comfort Inns Charlotte NC 148.68 - 6,972.48

04-06 POS Debit - Debit Card 6753 Transaction 04-06-22 Sheetz 716 Cameron NC 53.01 - 6,919.47

04-07 POS Credit Adjustment 9351 Transaction 04-07-22 Cash App*cash Out Visa Direct

CA 73.69 6,993.16

04-07 POS Debit- Debit Card 6753 04-06-22 Fun Drops 914-580- 914-5809398 FL 199.99 - 6,793.17
 Page 3 of 4

Statement Period
03/13/22 - 04/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

04-08 POS Debit- Debit Card 9351 04-07-22 Cash App*dimitri 8774174551 CA 500.00 - 6,293.17

04-12 Ending Balance 6,293.17

Average Daily Balance - Current Cycle: $8,440.48

Your account earned $0.10, with an annual percentage yield earned of 0.01%, for the dividend period from 03-01-2022 through 03-31-2022

Items Paid

Date Item Amount($) Date Item Amount($)

04-01 ACH 305.89 03-29 POS 519.55

03-16 POS 12.60 03-30 POS 300.00
03-21 POS 250.00 03-30 POS 200.00
03-23 POS 288.21 04-04 POS 21.34
03-25 POS 200.00 04-04 POS 100.00
03-25 POS 250.00 04-05 POS 75.00
03-25 POS 360.00 04-05 POS 148.68
03-25 POS 100.00 04-06 POS 53.01
03-28 POS 50.00 04-07 POS 199.99
03-28 POS 100.00 04-08 POS 500.00
03-28 POS 50.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

03-13 Beginning Balance 5.00

No Transactions This Period

04-12 Ending Balance 5.00

2021 Year to Date Federal Income Tax Information

SAVINGS DIVIDENDS 0.00

CHECKING DIVIDENDS 0.05 FINANCE CHARGE CHECKING LOC 0.00

 Page 4 of 4

Statement Period
03/13/22 - 04/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
02/13/22 - 03/12/22

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000MMA90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

2022 Annual Meeting

Due to the COVID-19 pandemic, Navy Federal's Annual Meeting will be held virtually on Wednesday,

April 20 at 6 pm, ET. Registration is available on a first-come, first-served basis. Due to system

limitations, attendance capacity is limited. Register at navyfederal.org/events. For assistance with

registration, call 1-888-842-6328.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $415.94 $22,458.94 $12,711.23 $10,163.65 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $420.94 $22,458.94 $12,711.23 $10,168.65 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
02/13/22 - 03/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

02-13 Beginning Balance 415.94

02-14 POS Credit Adjustment 6753 Transaction 02-13-22 Zelle*sherman Har Visa Direct CA 160.00 575.94

02-14 ATM Fee - Withdrawal 02-11-22 PA003087 Indian Trail NC 1.00 - 574.94

02-14 ATM Withdrawal 02-11-22 PA003087 Indian Trail NC 203.75 - 371.19

02-14 POS Debit- Debit Card 6753 02-13-22 Cash App*ajul Jone 8774174551 CA 1.00 - 370.19

02-14 POS Debit- Debit Card 6753 02-12-22 Chili's New Garden Greensboro NC 34.34 - 335.85

02-14 POS Debit - Debit Card 6753 Transaction 02-12-22 BP#9676222MS Fo Greensboro

NC 70.00 - 265.85

02-14 POS Debit - Debit Card 6753 Transaction 02-11-22 Sam's Mart # 92 Indian Trail NC 80.02 - 185.83

02-14 POS Debit- Debit Card 6753 02-13-22 Cash App*ajul Jone 8774174551 CA 155.00 - 30.83

02-18 POS Credit Adjustment 6753 Transaction 02-18-22 Zelle*en Route Xp Visa Direct AZ 1,000.00 1,030.83

02-22 POS Credit Adjustment 6753 Transaction 02-22-22 Cash App*cash Out Visa Direct

CA 98.25 1,129.08

02-22 POS Credit Adjustment 6753 Transaction 02-21-22 Zelle*sherman Har Visa Direct CA 200.00 1,329.08

02-22 POS Debit - Debit Card 6753 Transaction 02-19-22 BP#1913664Neigh Vass NC 10.26 - 1,318.82

02-22 POS Debit- Debit Card 6753 02-20-22 Cash App*tara Hutc 8774174551 CA 20.00 - 1,298.82

02-22 POS Debit- Debit Card 6753 02-19-22 Cash App*jeff Rive 8774174551 CA 100.00 - 1,198.82

02-22 POS Debit- Debit Card 6753 02-21-22 Cash App*terrius R 8774174551 CA 150.00 - 1,048.82

02-22 POS Debit- Debit Card 6753 02-19-22 Tst* Chima Steakho Charlotte NC 168.03 - 880.79

02-22 POS Debit- Debit Card 6753 02-19-22 Zelle*nina Goins Visa Direct AZ 200.00 - 680.79

02-23 POS Debit- Debit Card 6753 02-22-22 NC Quick Pass 800-950-1292 NC 91.32 - 589.47

02-24 POS Debit- Debit Card 6753 02-24-22 Zelle*nina Goins Visa Direct AZ 100.00 - 489.47

02-24 POS Debit- Debit Card 6753 02-24-22 Zelle*jayell Whit Visa Direct AZ 200.00 - 289.47

02-25 POS Debit- Debit Card 6753 02-24-22 Cash App*nakia Bar 8774174551 CA 50.00 - 239.47

02-28 POS Credit Adjustment 6753 Transaction 02-28-22 Zelle*sherman Har Visa Direct CA 250.00 489.47

02-28 POS Debit- Debit Card 6753 02-25-22 Cash App*logan Mcs 8774174551 CA 50.00 - 439.47
 Page 3 of 4

Statement Period
02/13/22 - 03/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

02-28 POS Debit - Debit Card 6753 Transaction 02-25-22 Linden Oaks Libe Cameron NC 57.00 - 382.47

03-01 POS Credit Adjustment 6753 Transaction 03-01-22 Cash App*cash Out Visa Direct

CA 343.88 726.35

03-01 Deposit 19,956.81 20,683.16

03-01 POS Debit- Debit Card 6753 02-28-22 Instant Tax Soluti 877-7734994 ID 360.00 - 20,323.16

03-01 Paid To - Health And Style ACH Chk 6120175 305.89 - 20,017.27

03-02 POS Debit- Debit Card 6753 03-01-22 Cameron Express WA Cameron NC 10.67 - 20,006.60

03-03 POS Debit- Debit Card 6753 03-02-22 Cash App*ashlyn Kh 8774174551 CA 30.00 - 19,976.60

03-07 POS Debit- Debit Card 6753 03-05-22 Epicentre Charlotte NC 25.00 - 19,951.60

03-07 POS Debit- Debit Card 6753 03-05-22 Ac Marriott Charlo Charlotte NC 47.34 - 19,904.26

03-07 POS Debit- Debit Card 6753 03-04-22 Cash App*patience 8774174551 CA 100.00 - 19,804.26

03-07 POS Debit- Debit Card 6753 03-06-22 Cash App*kimberly 8774174551 CA 110.00 - 19,694.26

03-07 POS Debit- Debit Card 6753 03-06-22 Nuvole Rooftop Twe Charlotte NC 147.21 - 19,547.05

03-07 POS Debit- Debit Card 6753 03-04-22 Cash App*gladys Gi 8774174551 CA 500.00 - 19,047.05

03-07 POS Debit- Debit Card 6753 03-06-22 Zelle*nina Goins Visa Direct AZ 1,100.00 - 17,947.05

03-08 POS Debit- Debit Card 6753 03-07-22 Roku For Starz 816-2728107 DE 9.62 - 17,937.43

03-08 POS Debit- Debit Card 6753 03-07-22 Cash App*almarosa 8774174551 CA 250.00 - 17,687.43

03-09 Cash Withdrawal 7,200.00 - 10,487.43

03-10 POS Debit - Debit Card 6753 Transaction 03-10-22 Qt 1129 Outside Spartanburg SC 60.01 - 10,427.42

03-10 POS Debit- Debit Card 6753 03-09-22 Cash App*christoph 8774174551 CA 100.00 - 10,327.42

03-10 POS Debit- Debit Card 6753 03-08-22 Embassy Suites Con Concord NC 213.77 - 10,113.65

03-11 POS Credit Adjustment 6753 Transaction 03-11-22 Zelle*sherman Har Visa Direct CA 450.00 10,563.65

03-11 POS Debit- Debit Card 6753 03-11-22 Zelle*jayell Whit Visa Direct AZ 400.00 - 10,163.65

03-12 Ending Balance 10,163.65

Average Daily Balance - Current Cycle: $7,279.15

Items Paid

Date Item Amount($) Date Item Amount($)

03-01 ACH 305.89 03-01 POS 360.00

02-14 POS 34.34 03-02 POS 10.67
02-14 POS 70.00 03-03 POS 30.00
02-14 POS 80.02 03-07 POS 25.00
02-14 POS 155.00 03-07 POS 47.34
02-14 POS 1.00 03-07 POS 100.00
02-22 POS 20.00 03-07 POS 110.00
02-22 POS 100.00 03-07 POS 147.21
02-22 POS 150.00 03-07 POS 500.00
02-22 POS 168.03 03-07 POS 1,100.00
02-22 POS 200.00 03-08 POS 9.62
02-22 POS 10.26 03-08 POS 250.00
02-23 POS 91.32 03-10 POS 60.01
02-24 POS 200.00 03-10 POS 100.00
02-24 POS 100.00 03-10 POS 213.77
02-25 POS 50.00 03-11 POS 400.00
02-28 POS 57.00 02-14 ATMO 203.75
02-28 POS 50.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

02-13 Beginning Balance 5.00

 Page 4 of 4

Statement Period
02/13/22 - 03/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Membership Savings - 3122471604 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

No Transactions This Period

03-12 Ending Balance 5.00

2021 Year to Date Federal Income Tax Information

SAVINGS DIVIDENDS 0.00

CHECKING DIVIDENDS 0.05 FINANCE CHARGE CHECKING LOC 0.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
01/13/22 - 02/12/22

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000FME90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $73.12 $1,289.75 $946.93 $415.94 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $78.12 $1,289.75 $946.93 $420.94 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
01/13/22 - 02/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

01-13 Beginning Balance 73.12

01-18 POS Credit Adjustment 6753 Transaction 01-15-22 Cash App*cash Out Visa Direct

CA 147.75 220.87

01-18 POS Debit- Debit Card 6753 01-16-22 Cash App*nikita N 8774174551 CA 1.00 - 219.87

01-20 POS Debit - Debit Card 6753 Transaction 01-20-22 Wm Superc Wal-Mart Sup

Greensboro NC 62.98 - 156.89

01-20 POS Debit- Debit Card 6753 01-19-22 Cash App*jeff Rive 8774174551 CA 65.00 - 91.89

01-25 POS Debit - Debit Card 6753 Transaction 01-25-22 Speedway 1006 E Caswe

Wadesboro NC 53.01 - 38.88

01-27 POS Credit Adjustment 6753 Transaction 01-27-22 Cash App*cash Out Visa Direct

CA 394.00 432.88

01-28 POS Debit- Debit Card 6753 01-27-22 Instant Tax Soluti 877-7734994 ID 360.00 - 72.88

01-31 POS Debit- Debit Card 6753 01-28-22 Staples Greensboro NC 0.61 - 72.27

01-31 POS Debit- Debit Card 6753 01-29-22 Cash App* 8774174551 CA 50.00 - 22.27

02-01 POS Credit Adjustment 6753 Transaction 02-01-22 Zelle*donnell Pad Visa Direct AZ 1.00 23.27

02-01 POS Credit Adjustment 6753 Transaction 02-01-22 Zelle*kimberly Re Visa Direct WV 350.00 373.27

02-01 Paid To - Health And Style ACH Chk 6120175 305.89 - 67.38

02-02 POS Debit- Debit Card 6753 02-01-22 Zelle*donnell Pad Visa Direct AZ 1.00 - 66.38

02-02 POS Debit- Debit Card 6753 01-31-22 Staples Greensboro NC 8.53 - 57.85

02-07 POS Debit- Debit Card 6753 02-03-22 Burger King #3089 Monroe NC 6.39 - 51.46

02-08 POS Debit- Debit Card 6753 02-07-22 Roku For Starz 816-2728107 DE 9.62 - 41.84

02-09 POS Credit Adjustment 6753 Transaction 02-09-22 Cash App*cash Out Visa Direct

CA 197.00 238.84

02-10 POS Debit- Debit Card 6753 02-10-22 McAlister's 1203 Monroe NC 14.82 - 224.02

02-11 POS Credit Adjustment 6753 Transaction 02-11-22 Zelle*sherman Har Visa Direct CA 200.00 424.02

02-11 POS Debit- Debit Card 6753 02-10-22 McDonald's F8128 Wingate NC 8.08 - 415.94
 Page 3 of 4

Statement Period
01/13/22 - 02/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

02-12 Ending Balance 415.94

Average Daily Balance - Current Cycle: $121.32

Items Paid

Date Item Amount($) Date Item Amount($)

02-01 ACH 305.89 01-31 POS 0.61

01-18 POS 1.00 02-02 POS 1.00
01-20 POS 65.00 02-02 POS 8.53
01-20 POS 62.98 02-07 POS 6.39
01-25 POS 53.01 02-08 POS 9.62
01-28 POS 360.00 02-10 POS 14.82
01-31 POS 50.00 02-11 POS 8.08

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

01-13 Beginning Balance 5.00

No Transactions This Period

02-12 Ending Balance 5.00

2021 Year to Date Federal Income Tax Information

SAVINGS DIVIDENDS 0.00

CHECKING DIVIDENDS 0.05 FINANCE CHARGE CHECKING LOC 0.00

 Page 4 of 4

Statement Period
01/13/22 - 02/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
12/13/21 - 01/12/22

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000JMA90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $56.48 $2,359.05 $2,342.41 $73.12 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $61.48 $2,359.05 $2,342.41 $78.12 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
12/13/21 - 01/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-13 Beginning Balance 56.48

12-13 POS Debit - Debit Card 6753 Transaction 12-10-21 Wm Superc Wal-Mart Sup

Aberdeen NC 10.18 - 46.30

12-13 POS Debit- Debit Card 6753 12-10-21 Gov*nc Dmv 800-2689153 NC 17.00 - 29.30

12-14 Deposit 12-14-21 Fcjn Spout Springs, NC 540.00 569.30

12-15 POS Debit- Debit Card 6753 12-14-21 Cash App*cpn Depos 8774174551 CA 1.00 - 568.30

12-15 POS Debit- Debit Card 6753 12-14-21 Cash App*cpn Depos 8774174551 CA 250.00 - 318.30

12-16 POS Credit Adjustment 6753 Transaction 12-16-21 Cash App*cash Out Visa Direct

CA 29.55 347.85

12-16 POS Credit Adjustment 6753 Transaction 12-16-21 Cash App*cash Out Visa Direct

CA 394.00 741.85

12-16 POS Debit - Debit Card 6753 Transaction 12-15-21 Wm Superc Wal-Mart Sup

Greensboro ( NC 95.90 - 645.95

12-16 POS Debit- Debit Card 6753 12-15-21 Murphy7346Atwalmar Greensboro NC 100.00 - 545.95

12-16 POS Debit- Debit Card 6753 12-15-21 Cash App*calandra 8774174551 CA 200.00 - 345.95

12-17 POS Debit- Debit Card 6753 12-15-21 Burger King #3089 Monroe NC 5.21 - 340.74

12-17 POS Debit- Debit Card 6753 12-16-21 Coopers Ale House Greensboro NC 34.91 - 305.83

12-17 POS Debit- Debit Card 6753 12-15-21 Smile Gt Mart Wingate NC 48.88 - 256.95

12-17 POS Debit- Debit Card 6753 12-15-21 Shell Oil 57542557 Charlotte NC 65.00 - 191.95

12-20 POS Credit Adjustment 6753 Transaction 12-19-21 Cash App*cash Out Visa Direct

CA 295.50 487.45

12-20 POS Debit- Debit Card 6753 12-19-21 Netflix.Com Netflix.Com CA 19.20 - 468.25

12-20 POS Debit- Debit Card 6753 12-18-21 Greensboro Abc Boa Greensboro NC 28.84 - 439.41

12-20 POS Debit- Debit Card 6753 12-16-21 Comfort Inns Charlotte NC 295.36 - 144.05

12-20 Paid To - Self Lender Inc Payments Chk 9600101 12.53 - 131.52
 Page 3 of 4

Statement Period
12/13/21 - 01/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-23 POS Debit - Debit Card 6753 Transaction 12-22-21 Autozone 2436 117 Gui

Greensboro NC 51.07 - 80.45

12-24 POS Debit- Debit Card 6753 12-23-21 Zelle*jayell Whit Visa Direct AZ 50.00 - 30.45

12-31 Deposit 12-31-21 Fcyv Cliffdale, NC 260.00 290.45

12-31 Deposit 12-31-21 Fcyv Cliffdale, NC 840.00 1,130.45

01-03 Paid To - Health And Style ACH Chk 6120175 305.89 - 824.56

01-04 POS Debit- Debit Card 6753 01-03-22 Cash App*ninagoins 8774174551 CA 100.00 - 724.56

01-04 POS Debit- Debit Card 6753 01-03-22 Instant Tax Soluti 877-7734994 ID 540.00 - 184.56

01-05 POS Debit - Debit Card 6753 Transaction 01-04-22 Pop Shoppe #184 High Point NC 12.04 - 172.52

01-06 POS Debit- Debit Card 6753 01-04-22 Staples Greensboro NC 2.03 - 170.49

01-06 POS Debit- Debit Card 6753 01-05-22 Cash App*ninagoins 8774174551 CA 50.00 - 120.49

01-10 POS Debit- Debit Card 6753 01-07-22 West Gate City Car Greensboro NC 12.00 - 108.49

01-11 POS Debit - Debit Card 6753 Transaction 01-10-22 Harris Te 305 Ivey Lan Pinehurst

NC 35.37 - 73.12

01-12 Ending Balance 73.12

Average Daily Balance - Current Cycle: $252.79

Items Paid

Date Item Amount($) Date Item Amount($)

12-20 ACH 12.53 12-20 POS 295.36

01-03 ACH 305.89 12-20 POS 19.20
12-13 POS 10.18 12-20 POS 28.84
12-13 POS 17.00 12-23 POS 51.07
12-15 POS 1.00 12-24 POS 50.00
12-15 POS 250.00 01-04 POS 100.00
12-16 POS 200.00 01-04 POS 540.00
12-16 POS 95.90 01-05 POS 12.04
12-16 POS 100.00 01-06 POS 2.03
12-17 POS 48.88 01-06 POS 50.00
12-17 POS 65.00 01-10 POS 12.00
12-17 POS 5.21 01-11 POS 35.37
12-17 POS 34.91

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-13 Beginning Balance 5.00

No Transactions This Period

01-12 Ending Balance 5.00

2021 Year to Date Federal Income Tax Information

SAVINGS DIVIDENDS 0.00

CHECKING DIVIDENDS 0.05 FINANCE CHARGE CHECKING LOC 0.00

 Page 4 of 4

Statement Period
12/13/21 - 01/12/22

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 3

Statement of Account

Statement Period
11/13/21 - 12/12/21

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000DME90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $297.44 $2,291.01 $2,531.97 $56.48 $0.05

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $302.44 $2,291.01 $2,531.97 $61.48 $0.05

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 3

Statement Period
11/13/21 - 12/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

11-13 Beginning Balance 297.44

11-15 POS Credit Adjustment 4608 Transaction 11-14-21 Cash App*cash Out Visa Direct

CA 591.00 888.44

11-15 POS Debit- Debit Card 4608 11-14-21 Cash App*april 415-375-3176 CA 50.00 - 838.44

11-18 Paid To - Self Lender Inc Payments Chk 9600101 25.00 - 813.44

11-19 POS Debit- Debit Card 4608 11-16-21 Courtyard By Marri Greensboro NC 200.70 - 612.74

11-22 POS Credit Adjustment 4608 Transaction 11-20-21 Zelle*brown Make Visa Direct AZ 1,000.00 1,612.74

11-26 POS Debit- Debit Card 6753 11-25-21 Zelle*jayell Whit Visa Direct AZ 150.00 - 1,462.74

11-26 POS Debit- Debit Card 6753 11-25-21 Cash App*gladys Gi 8774174551 CA 300.00 - 1,162.74

11-26 POS Debit- Debit Card 6753 11-25-21 Zelle*nina Goins Visa Direct AZ 300.00 - 862.74

11-29 POS Debit - Debit Card 6753 Transaction 11-28-21 Wm Superc Wal-Mart Sup

Greensboro ( NC 3.04 - 859.70

11-29 POS Debit- Debit Card 6753 11-26-21 Cash App*victoria 415-375-3176 CA 100.00 - 759.70

11-29 POS Debit- Debit Card 6753 11-26-21 Cash App*sarah Rae 415-375-3176 CA 150.00 - 609.70

11-30 POS Debit- Debit Card 6753 11-28-21 Hampton Inn Greens Greensboro NC 268.34 - 341.36

11-30 Dividend 0.01 341.37

12-01 Paid To - Health And Style ACH Chk 6120175 305.89 - 35.48

12-09 Deposit 12-08-21 Fcyv Cliffdale, NC 700.00 735.48

12-10 POS Debit- Debit Card 6753 12-09-21 Analytehealth 8004562323 TX 139.00 - 596.48

12-10 POS Debit- Debit Card 6753 12-09-21 Instant Tax Soluti 877-7734994 ID 540.00 - 56.48

12-12 Ending Balance 56.48

Average Daily Balance - Current Cycle: $564.69

Your account earned $0.01, with an annual percentage yield earned of 0.02%, for the dividend period from 11-01-2021 through 11-30-2021
 Page 3 of 3

Statement Period
11/13/21 - 12/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Items Paid

Date Item Amount($) Date Item Amount($)

11-18 ACH 25.00 11-29 POS 100.00

12-01 ACH 305.89 11-29 POS 150.00
11-15 POS 50.00 11-29 POS 3.04
11-19 POS 200.70 11-30 POS 268.34
11-26 POS 300.00 12-10 POS 139.00
11-26 POS 300.00 12-10 POS 540.00
11-26 POS 150.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

11-13 Beginning Balance 5.00

No Transactions This Period

12-12 Ending Balance 5.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
10/13/21 - 11/12/21

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000NMO90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $195.08 $8,100.01 $7,997.65 $297.44 $0.04

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $200.08 $8,100.01 $7,997.65 $302.44 $0.04

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
10/13/21 - 11/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

10-13 Beginning Balance 195.08

10-19 Paid To - Self Lender Inc Payments Chk 9600101 25.00 - 170.08

10-20 POS Debit- Debit Card 6896 10-19-21 Cash App*kai 877-417-4551 TX 150.00 - 20.08

10-22 POS Debit- Debit Card 6896 10-22-21 Roku For Hulu LLC 816-2728107 DE 17.10 - 2.98

10-25 POS Credit Adjustment 6896 Transaction 10-25-21 Zelle*brown Make Visa Direct AZ 100.00 102.98

10-25 POS Credit Adjustment 6896 Transaction 10-25-21 Zelle*brown Make Visa Direct AZ 800.00 902.98

10-25 ATM Fee - Withdrawal 10-25-21 Branch Banking Charlotte NC 1.00 - 901.98

10-25 ATM Withdrawal 10-25-21 Branch Banking Charlotte NC 303.00 - 598.98

10-26 POS Credit Adjustment 6896 Transaction 10-26-21 Zelle*brown Make Visa Direct AZ 1,000.00 1,598.98

10-26 ATM Fee - Withdrawal 10-25-21 Secu Charlotte NC 1.00 - 1,597.98

10-26 ATM Withdrawal 10-25-21 Secu Charlotte NC 482.00 - 1,115.98

10-26 POS Debit- Debit Card 6896 10-25-21 Golds Gym NC-Randl 336-544-0783 NC 29.99 - 1,085.99

10-27 Deposit 6,200.00 7,285.99

10-27 POS Debit- Debit Card 6896 10-25-21 Express Stop 2 Charlotte NC 3.50 - 7,282.49

10-27 POS Debit- Debit Card 6896 10-25-21 Queen Soul Food Charlotte NC 38.59 - 7,243.90

10-27 POS Debit- Debit Card 6896 10-26-21 Instant Tax Soluti 877-7734994 ID 540.00 - 6,703.90

10-28 POS Debit- Debit Card 6896 10-26-21 Zips 190 Ncgre - P Greensboro NC 35.00 - 6,668.90

10-29 Dividend 0.01 6,668.91

11-01 POS Debit- Debit Card 4608 10-31-21 Zelle*jayell Whit Visa Direct AZ 100.00 - 6,568.91

11-01 POS Debit- Debit Card 4608 10-30-21 Dillards 144 Four Greensboro NC 210.30 - 6,358.61

11-01 Paid To - Health And Style ACH Chk 6120175 305.89 - 6,052.72

11-01 Cash Withdrawal 5,000.00 - 1,052.72

11-03 POS Debit- Debit Card 4608 11-02-21 BP#1406200Refuel 1 Rockingham NC 60.04 - 992.68

11-04 POS Debit - Debit Card 4608 Transaction 11-03-21 Sheetz 0484 Greensboro NC 17.24 - 975.44

11-04 POS Debit - Debit Card 4608 Transaction 11-03-21 Wal-Mart #1842 Greensboro NC 62.98 - 912.46

11-04 POS Debit- Debit Card 4608 11-03-21 Discount Auto Sale Winston Salem NC 160.00 - 752.46
 Page 3 of 4

Statement Period
10/13/21 - 11/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

11-05 POS Debit- Debit Card 4608 11-03-21 Jimmy Jazz #86 Greensboro NC 181.48 - 570.98

11-09 POS Debit - Debit Card 4608 Transaction 11-09-21 Dollar General # Dg 09 Southern

Pine NC 23.54 - 547.44

11-10 POS Debit- Debit Card 4608 11-09-21 Zelle*nina Goins Visa Direct AZ 250.00 - 297.44

11-12 Ending Balance 297.44

Average Daily Balance - Current Cycle: $1,420.27

Your account earned $0.01, with an annual percentage yield earned of 0.01%, for the dividend period from 10-01-2021 through 10-31-2021

Items Paid

Date Item Amount($) Date Item Amount($)

10-19 ACH 25.00 11-01 POS 100.00

11-01 ACH 305.89 11-03 POS 60.04
10-20 POS 150.00 11-04 POS 17.24
10-22 POS 17.10 11-04 POS 62.98
10-26 POS 29.99 11-04 POS 160.00
10-27 POS 38.59 11-05 POS 181.48
10-27 POS 540.00 11-09 POS 23.54
10-27 POS 3.50 11-10 POS 250.00
10-28 POS 35.00 10-25 ATMO 303.00
11-01 POS 210.30 10-26 ATMO 482.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

10-13 Beginning Balance 5.00

No Transactions This Period

11-12 Ending Balance 5.00

 Page 4 of 4

Statement Period
10/13/21 - 11/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
09/13/21 - 10/12/21

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000OMC90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

The Zelle Service Terms have been updated to reflect that the service cannot be used to purchase or sell

equities or digital currencies. Please view the full text of the updated service terms within Zelle on our

mobile app or online banking.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $27.40 $3,145.73 $2,978.05 $195.08 $0.03

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $32.40 $3,145.73 $2,978.05 $200.08 $0.03

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
09/13/21 - 10/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

09-13 Beginning Balance 27.40

09-13 Deposit 09-11-21 Fcjn Spout Springs, NC 580.00 607.40

09-13 POS Debit- Debit Card 6896 09-12-21 Straighttalk*airti 877-430-2355 FL 60.33 - 547.07

09-14 Deposit 09-13-21 Fcjn Spout Springs, NC 500.00 1,047.07

09-14 ATM Fee - Withdrawal 09-13-21 Secu Aberdeen NC 1.00 - 1,046.07

09-14 ATM Withdrawal 09-13-21 Secu Aberdeen NC 102.00 - 944.07

09-14 POS Debit - Debit Card 6896 Transaction 09-13-21 Wal-Mart #5320 Greensboro NC 24.43 - 919.64

09-14 POS Debit- Debit Card 6896 09-13-21 Cash App*sarah Rae 8774174551 CA 50.00 - 869.64

09-14 POS Debit - Debit Card 6896 Transaction 09-14-21 BP#8089245S Hol Greensboro

NC 69.24 - 800.40

09-14 POS Debit- Debit Card 6896 09-13-21 Cash App*christoph 8774174551 CA 100.00 - 700.40

09-20 Deposit 09-18-21 Fcjn Spout Springs, NC 650.00 1,350.40

09-20 ATM Fee - Withdrawal 09-18-21 Wells Fargo Ban Greensboro NC 1.00 - 1,349.40

09-20 ATM Fee - Withdrawal 09-19-21 Pai Iso Decatur GA 1.00 - 1,348.40

09-20 ATM Fee - Withdrawal 09-17-21 Secu Jamestown NC 1.00 - 1,347.40

09-20 ATM Fee - Inquiry 09-19-21 Pai Iso Decatur GA 1.00 - 1,346.40

09-20 ATM Fee - Inquiry 09-17-21 Bank Of America Jamestown NC 1.00 - 1,345.40

09-20 ATM Withdrawal 09-19-21 Pai Iso Decatur GA 102.99 - 1,242.41

09-20 ATM Withdrawal 09-17-21 Secu Jamestown NC 202.00 - 1,040.41

09-20 ATM Withdrawal 09-18-21 Wells Fargo Ban Greensboro NC 203.00 - 837.41

09-20 POS Debit- Debit Card 6896 09-17-21 NC Quick Pass 800-950-1292 NC 17.10 - 820.31

09-20 POS Debit- Debit Card 6896 09-18-21 Coopers Ale House Greensboro NC 27.96 - 792.35

09-20 POS Debit- Debit Card 6896 09-17-21 Cash App*pretty Du 8774174551 CA 50.00 - 742.35

09-20 POS Debit - Debit Card 6896 Transaction 09-19-21 Circle K # 03267 7010 Charlotte

NC 52.00 - 690.35

09-20 POS Debit- Debit Card 6896 09-18-21 Coopers Ale House Greensboro NC 69.84 - 620.51
 Page 3 of 4

Statement Period
09/13/21 - 10/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

09-20 POS Debit- Debit Card 6896 09-17-21 Wyndham Garden Greensboro NC 105.99 - 514.52

09-20 Paid To - Self Lender Inc Payments Chk 9600101 25.00 - 489.52

09-22 POS Debit- Debit Card 6896 09-22-21 Roku For Hulu LLC 816-2728107 DE 6.41 - 483.11

09-24 POS Credit Adjustment 6896 Transaction 09-24-21 Cash App*cash Out Visa Direct

CA 346.72 829.83

09-24 POS Debit- Debit Card 6896 09-23-21 Five Souls Inc High Point NC 42.88 - 786.95

09-27 POS Debit- Debit Card 6896 09-24-21 Zips 190 Ncgre - P Greensboro NC 35.00 - 751.95

09-27 POS Debit- Debit Card 6896 09-25-21 Cash App*christoph 8774174551 CA 100.00 - 651.95

09-28 POS Debit- Debit Card 6896 09-27-21 Instant Tax Soluti 877-7734994 ID 500.00 - 151.95

09-29 POS Debit- Debit Card 6896 09-28-21 Golds Gym NC-Randl 336-544-0783 NC 29.99 - 121.96

09-30 Dividend 0.01 121.97

10-01 Deposit 10-01-21 Fcjn 80.00 201.97

10-01 Deposit 10-01-21 Fcjn 600.00 801.97

10-01 Paid To - Health And Style ACH Chk 6120175 305.89 - 496.08

10-04 Deposit - ACH Paid From Ncdes-Uibenefits Ui Benefit 01Afd7 389.00 885.08

10-05 POS Debit- Debit Card 6896 10-03-21 West Gate City Car Greensboro NC 12.00 - 873.08

10-06 POS Debit- Debit Card 6896 10-05-21 Zelle*jayell Whit Visa Direct AZ 100.00 - 773.08

10-06 POS Debit- Debit Card 6896 10-05-21 Zelle*nina Goins Visa Direct AZ 300.00 - 473.08

10-07 POS Debit- Debit Card 6896 10-06-21 Zelle*brown Make A Visa Direct AZ 120.00 - 353.08

10-12 POS Debit- Debit Card 6896 10-11-21 Cash App*maria Alc 8774174551 CA 1.00 - 352.08

10-12 POS Debit - Debit Card 6896 Transaction 10-12-21 Wal-Mart Super Center Raleigh

NC 2.77 - 349.31

10-12 POS Debit - Debit Card 6896 Transaction 10-12-21 Wm Superc Wal-Mart Sup

Raleigh NC 4.23 - 345.08

10-12 POS Debit- Debit Card 6896 10-11-21 Cash App*maria Alc 8774174551 CA 150.00 - 195.08

10-12 Ending Balance 195.08

Average Daily Balance - Current Cycle: $526.11

Your account earned $0.01, with an annual percentage yield earned of 0.02%, for the dividend period from 09-01-2021 through 09-30-2021

Items Paid

Date Item Amount($) Date Item Amount($)

09-20 ACH 25.00 09-27 POS 35.00

10-01 ACH 305.89 09-28 POS 500.00
09-13 POS 60.33 09-29 POS 29.99
09-14 POS 69.24 10-05 POS 12.00
09-14 POS 100.00 10-06 POS 100.00
09-14 POS 24.43 10-06 POS 300.00
09-14 POS 50.00 10-07 POS 120.00
09-20 POS 50.00 10-12 POS 1.00
09-20 POS 52.00 10-12 POS 2.77
09-20 POS 69.84 10-12 POS 4.23
09-20 POS 105.99 10-12 POS 150.00
09-20 POS 17.10 09-14 ATMO 102.00
09-20 POS 27.96 09-20 ATMO 202.00
09-22 POS 6.41 09-20 ATMO 203.00
09-24 POS 42.88 09-20 ATMO 102.99
09-27 POS 100.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

09-13 Beginning Balance 5.00

No Transactions This Period

 Page 4 of 4

Statement Period
09/13/21 - 10/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Membership Savings - 3122471604 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

10-12 Ending Balance 5.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
08/13/21 - 09/12/21

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000SME90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $1,272.20 $3,583.01 $4,827.81 $27.40 $0.02

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $1,277.20 $3,583.01 $4,827.81 $32.40 $0.02

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
08/13/21 - 09/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

08-13 Beginning Balance 1,272.20

08-13 POS Debit- Debit Card 6896 08-12-21 Straighttalk*airti 877-430-2355 FL 60.33 - 1,211.87

08-13 POS Debit- Debit Card 6896 08-11-21 Quality Inn & Suit Greensboro NC 89.63 - 1,122.24

08-16 POS Credit Adjustment 6896 Transaction 08-14-21 Cash App*cash Out Visa Direct

CA 98.50 1,220.74

08-16 POS Debit- Debit Card 6896 08-12-21 Quality Inn & Suit Greensboro NC 95.27 - 1,125.47

08-16 POS Debit- Debit Card 6896 08-14-21 Cash App*gladys Gi 8774174551 CA 250.00 - 875.47

08-16 POS Debit- Debit Card 6896 08-14-21 Cash App*osharae M 8774174551 CA 250.00 - 625.47

08-17 POS Debit - Debit Card 6896 Transaction 08-16-21 Harris Te 305 Ivey Lan Pinehurst

NC 50.98 - 574.49

08-18 POS Debit- Debit Card 6896 08-17-21 Cash App*jeffrey T 8774174551 CA 1.00 - 573.49

08-18 POS Debit- Debit Card 6896 08-17-21 Cash App*jeffrey T 8774174551 CA 500.00 - 73.49

08-18 Paid To - Self Lender Inc Payments Chk 9600101 25.00 - 48.49

08-19 POS Debit- Debit Card 6896 08-18-21 Cash App*elizabeth 8774174551 CA 15.00 - 33.49

08-20 Deposit - ACH Paid From Ncdes-Uibenefits Ui Benefit 01Afd7 389.00 422.49

08-23 POS Debit- Debit Card 6896 08-22-21 Roku For Hulu LLC 816-2728107 DE 6.41 - 416.08

08-26 POS Debit- Debit Card 6896 08-25-21 Golds Gym NC-Randl 336-544-0783 NC 29.99 - 386.09

08-26 POS Debit- Debit Card 6896 08-24-21 Zips 190 Ncgre - P Greensboro NC 35.00 - 351.09

08-27 POS Debit - Debit Card 6896 Transaction 08-26-21 Gnc #3983 1216 S Bridf

Greensboro NC 25.00 - 326.09

08-27 POS Debit - Debit Card 6896 Transaction 08-26-21 Sheetz 0414 High Point NC 28.47 - 297.62

08-30 Deposit 08-28-21 Fcqr Fort Lee Colonial Hght 800.00 1,097.62

08-30 POS Debit - Debit Card 6896 Transaction 08-27-21 Wm Superc Wal-Mart Sup

Greensboro ( NC 12.75 - 1,084.87

08-30 POS Debit- Debit Card 6896 08-26-21 Sheetz 0414 High Point NC 57.00 - 1,027.87

08-30 POS Debit- Debit Card 6896 08-26-21 Steak Street High Point NC 270.79 - 757.08
 Page 3 of 4

Statement Period
08/13/21 - 09/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

08-31 POS Debit - Debit Card 6896 Transaction 08-30-21 Pilot # 6978 Candor NC 63.50 - 693.58

08-31 POS Debit- Debit Card 6896 08-29-21 Hilton Garden Inn Colonial Heig VA 234.29 - 459.29

08-31 Dividend 0.01 459.30

09-01 POS Credit Adjustment 6896 Transaction 09-01-21 Cash App*cash Out Visa Direct

CA 295.50 754.80

09-01 Paid To - Health And Style ACH Chk 6120175 305.89 - 448.91

09-02 POS Credit Adjustment 6896 Transaction 09-02-21 Zelle*en Route Xp Visa Direct AZ 2,000.00 2,448.91

09-02 POS Debit- Debit Card 6896 09-01-21 Cash App*april 8774174551 CA 100.00 - 2,348.91

09-07 ATM Fee - Withdrawal 09-06-21 Secu Rockingham NC 1.00 - 2,347.91

09-07 ATM Fee - Withdrawal 09-06-21 Secu Rockingham NC 1.00 - 2,346.91

09-07 ATM Fee - Withdrawal 09-04-21 Family Dollar 1 Greensboro NC 1.00 - 2,345.91

09-07 ATM Withdrawal 09-04-21 Family Dollar 1 Greensboro NC 102.99 - 2,242.92

09-07 ATM Withdrawal 09-06-21 Secu Rockingham NC 502.00 - 1,740.92

09-07 ATM Withdrawal 09-06-21 Secu Rockingham NC 502.00 - 1,238.92

09-07 POS Debit- Debit Card 6896 09-06-21 Cash App*janice Do 8774174551 CA 10.00 - 1,228.92

09-07 POS Debit- Debit Card 6896 09-06-21 Cash App*channelll 877-417-4551 NC 40.00 - 1,188.92

09-07 POS Debit- Debit Card 6896 09-03-21 Cash App*april 8774174551 CA 100.00 - 1,088.92

09-07 POS Debit- Debit Card 6896 09-06-21 Cash App*april 8774174551 CA 150.00 - 938.92

09-07 POS Debit- Debit Card 6896 09-04-21 Zelle*nina Goins Visa Direct AZ 200.00 - 738.92

09-08 POS Debit- Debit Card 6896 09-07-21 Rduaa Public Parki Morrisville NC 2.00 - 736.92

09-08 POS Debit - Debit Card 6896 Transaction 09-07-21 Gnc #3983 1216 S Bridf

Greensboro NC 22.00 - 714.92

09-08 POS Debit - Debit Card 6896 Transaction 09-07-21 Circle K # 20850 100 F Morrisville

NC 48.00 - 666.92

09-08 POS Debit- Debit Card 6896 09-07-21 Zelle*nina Goins Visa Direct AZ 550.00 - 116.92

09-09 POS Debit - Debit Card 6896 Transaction 09-08-21 Walgreens Store 3880 B High

Point NC 8.32 - 108.60

09-09 POS Debit - Debit Card 6896 Transaction 09-08-21 Sheetz 0663 High Point NC 65.27 - 43.33

09-10 POS Debit - Debit Card 6896 Transaction 09-09-21 BP#1913664Neigh Vass NC 15.93 - 27.40

09-12 Ending Balance 27.40

Average Daily Balance - Current Cycle: $735.46

Your account earned $0.01, with an annual percentage yield earned of 0.02%, for the dividend period from 08-01-2021 through 08-31-2021

Items Paid

Date Item Amount($) Date Item Amount($)

08-18 ACH 25.00 08-31 POS 234.29

09-01 ACH 305.89 08-31 POS 63.50
08-13 POS 60.33 09-02 POS 100.00
08-13 POS 89.63 09-07 POS 10.00
08-16 POS 250.00 09-07 POS 40.00
08-16 POS 95.27 09-07 POS 100.00
08-16 POS 250.00 09-07 POS 150.00
08-17 POS 50.98 09-07 POS 200.00
08-18 POS 1.00 09-08 POS 2.00
08-18 POS 500.00 09-08 POS 22.00
08-19 POS 15.00 09-08 POS 48.00
08-23 POS 6.41 09-08 POS 550.00
08-26 POS 35.00 09-09 POS 8.32
08-26 POS 29.99 09-09 POS 65.27
08-27 POS 28.47 09-10 POS 15.93
08-27 POS 25.00 09-07 ATMO 102.99
08-30 POS 57.00 09-07 ATMO 502.00
08-30 POS 270.79 09-07 ATMO 502.00
08-30 POS 12.75
 Page 4 of 4

Statement Period
08/13/21 - 09/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

08-13 Beginning Balance 5.00

No Transactions This Period

09-12 Ending Balance 5.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 3

Statement of Account

Statement Period
07/13/21 - 08/12/21

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000AMU90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $181.95 $1,966.14 $875.89 $1,272.20 $0.01

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $186.95 $1,966.14 $875.89 $1,277.20 $0.01

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 3

Statement Period
07/13/21 - 08/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

07-13 Beginning Balance 181.95

07-13 POS Debit- Debit Card 6896 07-12-21 Qt 747 Lithonia GA 11.00 - 170.95

07-15 POS Debit- Debit Card 6896 07-14-21 Uscc Ivr 888-944-9400 IL 43.45 - 127.50

07-19 POS Debit- Debit Card 6896 07-18-21 Roku For Hulu LLC 816-2728107 DE 10.14 - 117.36

07-20 Paid To - Self Lender Inc Payments Chk 9600101 25.00 - 92.36

07-21 POS Credit Adjustment 6896 Transaction 07-21-21 Zelle*a2B Transpo Visa Direct AZ 400.00 492.36

07-22 POS Credit Adjustment 6896 Transaction 07-21-21 Roku For Hulu LLC 10.14 502.50

07-22 POS Debit- Debit Card 6896 07-22-21 Roku For Hulu LLC 816-2728107 DE 6.41 - 496.09

07-23 POS Debit- Debit Card 6896 07-21-21 Howard Johnson Gre Greensboro NC 85.00 - 411.09

07-23 POS Debit- Debit Card 6896 07-21-21 Howard Johnson Gre Greensboro NC 85.00 - 326.09

07-26 POS Debit- Debit Card 6896 07-25-21 Golds Gym NC-Randl 336-544-0783 NC 29.99 - 296.10

07-26 POS Debit- Debit Card 6896 07-24-21 Zips 190 Ncgre - P Greensboro NC 35.00 - 261.10

07-26 POS Debit - Debit Card 6896 Transaction 07-23-21 Big Lots 1371 N Sandh Aberdeen

NC 52.68 - 208.42

07-26 POS Debit- Debit Card 6896 07-24-21 Zelle*jayell Whit Visa Direct AZ 100.00 - 108.42

07-27 POS Debit - Debit Card 6896 Transaction 07-26-21 VA Abc Store 310 Hopewell VA 13.68 - 94.74

07-27 POS Debit - Debit Card 6896 Transaction 07-26-21 Wal-Mart #1424 Colonial Heig VA 57.19 - 37.55

07-30 Deposit - ACH Paid From Ncdes-Uibenefits Ui Benefit 01Afd7 389.00 426.55

08-06 Deposit - ACH Paid From Ncdes-Uibenefits Ui Benefit 01Afd7 778.00 1,204.55

08-06 ATM Fee - Withdrawal 08-05-21 EFT Aberdeen NC 1.00 - 1,203.55

08-06 ATM Withdrawal 08-05-21 EFT Aberdeen NC 43.00 - 1,160.55

08-09 POS Debit- Debit Card 6896 08-06-21 NC Quick Pass 800-950-1292 NC 34.86 - 1,125.69

08-09 POS Debit- Debit Card 6896 08-08-21 Cheesecake Greensb Greensboro NC 63.23 - 1,062.46

08-09 POS Debit- Debit Card 6896 08-08-21 Quality Inn & Suit Greensboro NC 179.26 - 883.20

08-10 Deposit - ACH Paid From Ncdes-Uibenefits Ui Benefit 01Afd7 389.00 1,272.20

08-12 Ending Balance 1,272.20

 Page 3 of 3

Statement Period
07/13/21 - 08/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Average Daily Balance - Current Cycle: $465.05

Items Paid

Date Item Amount($) Date Item Amount($)

07-20 ACH 25.00 07-26 POS 52.68

07-13 POS 11.00 07-26 POS 100.00
07-15 POS 43.45 07-27 POS 13.68
07-19 POS 10.14 07-27 POS 57.19
07-22 POS 6.41 08-09 POS 34.86
07-23 POS 85.00 08-09 POS 63.23
07-23 POS 85.00 08-09 POS 179.26
07-26 POS 29.99 08-06 ATMO 43.00
07-26 POS 35.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

07-13 Beginning Balance 5.00

No Transactions This Period

08-12 Ending Balance 5.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
06/13/21 - 07/12/21

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000JML90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $2,281.07 $4,359.74 $6,458.86 $181.95 $0.01

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $2,286.07 $4,359.74 $6,458.86 $186.95 $0.01

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
06/13/21 - 07/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

06-13 Beginning Balance 2,281.07

06-14 POS Credit Adjustment 6896 Transaction 06-14-21 Cash App*cash Out Visa Direct

CA 1,413.48 3,694.55

06-14 POS Debit- Debit Card 6896 06-13-21 Jesse's Diner Greensboro NC 22.85 - 3,671.70

06-14 POS Debit- Debit Card 6896 06-12-21 Cash App*pittman 8774174551 CA 200.00 - 3,471.70

06-14 POS Debit- Debit Card 6896 06-11-21 Zelle*nina Goins Visa Direct AZ 200.00 - 3,271.70

06-14 Cash Withdrawal 2,500.00 - 771.70

06-15 POS Debit- Debit Card 6896 06-14-21 Shooters Sports Ba Greensboro NC 24.00 - 747.70

06-17 POS Debit- Debit Card 6896 06-16-21 Umzucom 800-2149820 CO 179.83 - 567.87

06-18 POS Debit- Debit Card 6896 06-17-21 Golds Gym NC Randl 8008294321 NC 49.99 - 517.88

06-18 POS Debit- Debit Card 6896 06-17-21 Cash App*justin Ta 877-417-4551 MS 50.00 - 467.88

06-21 Deposit 2,700.00 3,167.88

06-21 Paid To - Self Lender Inc Payments Chk 9600101 25.00 - 3,142.88

06-23 POS Debit- Debit Card 6896 06-23-21 Roku For Hulu LLC 816-2728107 DE 6.41 - 3,136.47

06-23 POS Debit- Debit Card 6896 06-22-21 Zelle*nina Goins Visa Direct AZ 649.00 - 2,487.47

06-23 POS Debit- Debit Card 6896 06-22-21 Zelle*nina Goins Visa Direct AZ 651.00 - 1,836.47

06-28 POS Credit Adjustment 6896 Transaction 06-26-21 Cash App*cash Out Visa Direct

CA 147.75 1,984.22

06-28 POS Debit- Debit Card 6896 06-24-21 Zips 190 Ncgre - P Greensboro NC 15.00 - 1,969.22

06-28 POS Debit - Debit Card 6896 Transaction 06-26-21 Pilot # 4566 Blacksburg SC 26.28 - 1,942.94

06-28 POS Debit- Debit Card 6896 06-25-21 Golds Gym NC-Randl 336-544-0783 NC 29.99 - 1,912.95

06-28 POS Debit- Debit Card 6896 06-26-21 Cash App*sarah Rae 8774174551 CA 450.00 - 1,462.95

06-28 POS Debit- Debit Card 6896 06-26-21 Cash App*christoph 8774174551 CA 600.00 - 862.95

06-30 POS Debit- Debit Card 6896 06-29-21 Tst* Dram & Draugh Greensboro NC 96.52 - 766.43

06-30 Dividend 0.01 766.44

07-02 POS Debit - Debit Card 6896 Transaction 07-02-21 Wal-Mart #1097 Aberdeen NC 14.40 - 752.04
 Page 3 of 4

Statement Period
06/13/21 - 07/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

07-02 POS Debit - Debit Card 6896 Transaction 07-01-21 Murphy7346Atwal Greensboro

NC 41.05 - 710.99

07-06 POS Debit- Debit Card 6896 07-04-21 Cash App*jozlyn 8774174551 CA 60.00 - 650.99

07-06 POS Debit- Debit Card 6896 07-04-21 Howard Johnson Gre Greensboro NC 85.00 - 565.99

07-06 POS Debit- Debit Card 6896 07-03-21 Howard Johnson Gre Greensboro NC 105.00 - 460.99

07-07 POS Debit - Debit Card 6896 Transaction 07-06-21 Lims Greensboro NC 74.73 - 386.26

07-09 POS Debit- Debit Card 6896 07-08-21 Fairfield Inn & Su Belmont NC 138.49 - 247.77

07-12 POS Credit Adjustment 6896 Transaction 07-10-21 Cash App*cash Out Visa Direct

CA 98.50 346.27

07-12 ATM Fee - Withdrawal 07-11-21 Pai Iso Decatur GA 1.00 - 345.27

07-12 ATM Withdrawal 07-11-21 Pai Iso Decatur GA 102.99 - 242.28

07-12 POS Debit- Debit Card 6896 07-11-21 Straighttalk*airti 877-430-2355 FL 60.33 - 181.95

07-12 Ending Balance 181.95

Average Daily Balance - Current Cycle: $1,008.31

Your account earned $0.01, with an annual percentage yield earned of 0.01%, for the dividend period from 06-01-2021 through 06-30-2021

Items Paid

Date Item Amount($) Date Item Amount($)

06-21 ACH 25.00 06-28 POS 29.99

06-14 POS 200.00 06-28 POS 450.00
06-14 POS 200.00 06-28 POS 600.00
06-14 POS 22.85 06-30 POS 96.52
06-15 POS 24.00 07-02 POS 14.40
06-17 POS 179.83 07-02 POS 41.05
06-18 POS 50.00 07-06 POS 60.00
06-18 POS 49.99 07-06 POS 85.00
06-23 POS 6.41 07-06 POS 105.00
06-23 POS 649.00 07-07 POS 74.73
06-23 POS 651.00 07-09 POS 138.49
06-28 POS 15.00 07-12 POS 60.33
06-28 POS 26.28 07-12 ATMO 102.99

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

06-13 Beginning Balance 5.00

No Transactions This Period

07-12 Ending Balance 5.00

 Page 4 of 4

Statement Period
06/13/21 - 07/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
05/13/21 - 06/12/21

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000JMU90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

We've enhanced our Optional Overdraft Protection Service (OOPS) offering to assist our members further. Starting

in July the maximum number of OOPS fees charged per account per day will drop from 3 to 1 for this optional service.

Please see the OOPS Disclosure (Form 657) for more information. Please visit us at www.navyfederal.org

or to obtain a new copy by mail, please call 1-888-842-6328.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $79.65 $7,249.82 $5,048.40 $2,281.07 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $84.65 $7,249.82 $5,048.40 $2,286.07 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
05/13/21 - 06/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

05-13 Beginning Balance 79.65

05-20 Deposit 3,250.00 3,329.65

05-20 Wire Fee 14.00 - 3,315.65

05-20 Withdrawal By Wire 3,250.00 - 65.65

05-27 Deposit 600.00 665.65

05-28 POS Debit- Debit Card 6896 05-26-21 Staples Raleigh NC 0.36 - 665.29

05-28 POS Debit- Debit Card 6896 05-26-21 Staples Raleigh NC 1.09 - 664.20

05-28 POS Debit- Debit Card 6896 05-26-21 Staples Raleigh NC 2.19 - 662.01

06-01 POS Debit- Debit Card 6896 05-30-21 Sleep Inn NC032 Matthews NC 92.32 - 569.69

06-02 POS Debit- Debit Card 6896 05-31-21 Zips 165 Ncmat - I Matthews NC 20.00 - 549.69

06-02 POS Debit - Debit Card 6896 Transaction 06-01-21 Wm Superc Wal-Mart Sup

Greensboro ( NC 70.57 - 479.12

06-03 POS Credit Adjustment 6896 Transaction 06-03-21 Cash App*cash Out Visa Direct

CA 246.25 725.37

06-03 POS Debit - Debit Card 6896 Transaction 06-03-21 Qt 1004 Outside Charlotte NC 52.01 - 673.36

06-03 POS Debit- Debit Card 6896 06-02-21 Cash App*scion 8774174551 CA 80.00 - 593.36

06-03 POS Debit- Debit Card 6896 06-01-21 Wyndham Garden Greensboro NC 117.26 - 476.10

06-04 POS Credit Adjustment 6896 Transaction 06-04-21 Cash App*cash Out Visa Direct

CA 246.25 722.35

06-04 POS Debit- Debit Card 6896 06-03-21 Cash App*rodney Go 8774174551 CA 150.00 - 572.35

06-04 POS Debit- Debit Card 6896 06-02-21 Copy King Inc Greensboro NC 229.51 - 342.84

06-07 POS Credit Adjustment 6896 Transaction 06-04-21 Pln*priceline Hote 81.09 423.93

06-07 POS Debit- Debit Card 6896 06-04-21 Zips 190 Ncgre - P Greensboro NC 20.00 - 403.93

06-07 POS Debit- Debit Card 6896 06-04-21 Priceln*wyndham GA 800-774-2354 CT 81.09 - 322.84

06-07 POS Debit- Debit Card 6896 06-04-21 Cash App*christoph 8774174551 CA 212.00 - 110.84

06-08 Deposit - ACH Paid From IRS Treas 310 Tax Ref 01Afd9 1,053.23 1,164.07
 Page 3 of 4

Statement Period
05/13/21 - 06/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

06-10 POS Debit- Debit Card 6896 06-10-21 Zelle*brown Make A Visa Direct AZ 1.00 - 1,163.07

06-10 POS Debit- Debit Card 6896 06-10-21 Zelle*jayell Whit Visa Direct AZ 50.00 - 1,113.07

06-10 POS Debit- Debit Card 6896 06-10-21 Zelle*brown Make A Visa Direct AZ 300.00 - 813.07

06-10 POS Debit- Debit Card 6896 06-09-21 Zelle*jayell Whit Visa Direct AZ 300.00 - 513.07

06-11 POS Credit Adjustment 6896 Transaction 06-11-21 Cash App*cash Out Visa Direct

CA 1,773.00 2,286.07

06-11 POS Debit- Debit Card 6896 06-10-21 Cash App*patricia 8774174551 CA 5.00 - 2,281.07

06-12 Ending Balance 2,281.07

Average Daily Balance - Current Cycle: $464.46

Items Paid

Date Item Amount($) Date Item Amount($)

05-28 POS 0.36 06-04 POS 229.51

05-28 POS 1.09 06-07 POS 20.00
05-28 POS 2.19 06-07 POS 81.09
06-01 POS 92.32 06-07 POS 212.00
06-02 POS 20.00 06-10 POS 1.00
06-02 POS 70.57 06-10 POS 50.00
06-03 POS 52.01 06-10 POS 300.00
06-03 POS 80.00 06-10 POS 300.00
06-03 POS 117.26 06-11 POS 5.00
06-04 POS 150.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

05-13 Beginning Balance 5.00

No Transactions This Period

06-12 Ending Balance 5.00

 Page 4 of 4

Statement Period
05/13/21 - 06/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 3

Statement of Account

Statement Period
04/13/21 - 05/12/21

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000MMY90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

We have updated Navy Federal Credit Union Important Disclosures (page 7), Navy Federal Credit Union Debit Card Disclosure

(Section 2.a) and Navy Federal Credit Union Card (CUCARD®) and Personal Identification Number (PIN) Disclosure Statement

(Section 2.a) regarding Account Closures. The Debit Card Disclosures have also been updated regarding P2P transactions

(Section 3.d and Section 17) and increased ATM withdrawal limits (Section 4).

Please visit us at www.navyfederal.org to obtain a new copy or call us at 1-888-842-6328 to request a copy be mailed.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $509.39 $1,300.00 $1,729.74 $79.65 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $514.39 $1,300.00 $1,729.74 $84.65 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 3

Statement Period
04/13/21 - 05/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

04-13 Beginning Balance 509.39

04-14 Deposit 04-13-21 Fcjn Spout Springs, NC 200.00 709.39

04-14 Deposit 04-13-21 Fcjn Spout Springs, NC 500.00 1,209.39

04-15 ATM Fee - Withdrawal 04-14-21 Tg004976 Greensboro NC 1.00 - 1,208.39

04-15 ATM Withdrawal 04-14-21 Tg004976 Greensboro NC 43.00 - 1,165.39

04-19 POS Debit- Debit Card 8952 04-16-21 Waffle House 0949 Greensboro NC 45.51 - 1,119.88

04-19 POS Debit - Debit Card 8952 Transaction 04-16-21 Murphy Express Greensboro NC 55.02 - 1,064.86

04-19 POS Debit - Debit Card 8952 Transaction 04-16-21 Wm Superc Wal-Mart Sup

Greensboro NC 73.66 - 991.20

04-19 POS Debit - Debit Card 8952 Transaction 04-16-21 Dollar GE 4500 Lobelia Vass NC 85.87 - 905.33

04-19 POS Debit- Debit Card 8952 04-15-21 Holiday Inn Rdu Morrisville NC 131.98 - 773.35

04-19 POS Debit- Debit Card 8952 04-16-21 Pjs Auto Care Southern Pnes NC 143.21 - 630.14

04-19 POS Debit- Debit Card 8952 04-16-21 Natl Gen Ins*nps4W 800-462-2123 Ny 284.90 - 345.24

04-21 POS Debit- Debit Card 8952 04-19-21 Tidal Wave - Aberd Aberdeen NC 15.00 - 330.24

04-21 POS Debit- Debit Card 8952 04-19-21 Lees Kitchen Raleigh NC 20.02 - 310.22

04-22 POS Debit- Debit Card 8952 04-20-21 Zips 190 Ncgre - P Greensboro NC 20.00 - 290.22

04-26 Deposit 04-25-21 Fcyv Cliffdale, NC 600.00 890.22

04-26 ATM Withdrawal 04-24-21 Pnc Bank Greensboro NC 60.00 - 830.22

04-26 POS Debit- Debit Card 8952 04-25-21 Golds Gym NC-Randl 336-544-0783 NC 29.99 - 800.23

04-26 POS Debit- Debit Card 8952 04-23-21 Coopers Ale House Greensboro NC 50.00 - 750.23

04-26 POS Debit- Debit Card 8952 04-23-21 Wyndham Garden Greensboro NC 83.44 - 666.79

04-26 POS Debit- Debit Card 8952 04-25-21 Zelle*nina Goins Visa Direct AZ 500.00 - 166.79

04-30 POS Debit - Debit Card 8952 Transaction 04-29-21 Wal-Mart Super Center

Greensboro NC 10.14 - 156.65

05-05 Paid To - Self Lender Inc Payments Chk 9600101 77.00 - 79.65

05-12 Ending Balance 79.65

 Page 3 of 3

Statement Period
04/13/21 - 05/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Average Daily Balance - Current Cycle: $354.31

Items Paid

Date Item Amount($) Date Item Amount($)

05-05 ACH 77.00 04-21 POS 15.00

04-19 POS 55.02 04-22 POS 20.00
04-19 POS 73.66 04-26 POS 50.00
04-19 POS 85.87 04-26 POS 83.44
04-19 POS 131.98 04-26 POS 500.00
04-19 POS 143.21 04-26 POS 29.99
04-19 POS 284.90 04-30 POS 10.14
04-19 POS 45.51 04-15 ATMO 43.00
04-21 POS 20.02 04-26 ATMO 60.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

04-13 Beginning Balance 5.00

No Transactions This Period

05-12 Ending Balance 5.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 3

Statement of Account

Statement Period
03/13/21 - 04/12/21

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000AMP90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $170.52 $1,047.00 $708.13 $509.39 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $175.52 $1,047.00 $708.13 $514.39 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 3

Statement Period
03/13/21 - 04/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

03-13 Beginning Balance 170.52

03-15 POS Debit- Debit Card 8952 03-13-21 LA Quinta Raleigh 919-8210888 NC 20.00 - 150.52

03-15 POS Debit- Debit Card 8952 03-13-21 LA Quinta Raleigh Raleigh NC 111.62 - 38.90

03-18 POS Credit Adjustment 8952 Transaction 03-18-21 Zelle*donelle Pad Visa Direct CA 197.00 235.90

03-22 POS Debit - Debit Card 8952 Transaction 03-21-21 Family Dollar # Wingate NC 2.14 - 233.76

03-22 POS Debit - Debit Card 8952 Transaction 03-20-21 Circle K # 23928 421 T Charlotte

NC 2.24 - 231.52

03-23 POS Debit - Debit Card 8952 Transaction 03-23-21 Murphy Express Kinston NC 45.01 - 186.51

03-24 POS Credit Adjustment 8952 Transaction 03-24-21 Zelle*en Route Xp Visa Direct AZ 500.00 686.51

03-26 POS Debit- Debit Card 8952 03-25-21 Golds Gym NC-Randl 336-544-0783 NC 29.99 - 656.52

03-26 POS Debit- Debit Card 8952 03-25-21 Greensboro Abc 4 Greensboro NC 43.82 - 612.70

03-29 POS Debit - Debit Card 8952 Transaction 03-28-21 Family Dollar # Teaneck NJ 90.69 - 522.01

03-29 POS Debit- Debit Card 8952 03-27-21 Doubletree Hotels Fort Lee NJ 124.94 - 397.07

03-30 POS Debit- Debit Card 8952 03-28-21 Doubletree Hotels 201-4619000 NJ 124.94 - 272.13

04-05 POS Credit Adjustment 8952 Transaction 04-05-21 Zelle*donelle Pad Visa Direct CA 150.00 422.13

04-07 POS Debit- Debit Card 8952 04-05-21 Best Western Plus Greensboro NC 112.74 - 309.39

04-12 POS Credit Adjustment 8952 Transaction 04-12-21 Zelle*donelle D P Visa Direct AZ 200.00 509.39

04-12 Ending Balance 509.39

Average Daily Balance - Current Cycle: $321.32

Items Paid

Date Item Amount($) Date Item Amount($)

03-15 POS 20.00 03-26 POS 43.82

03-15 POS 111.62 03-29 POS 90.69
03-22 POS 2.14 03-29 POS 124.94
03-22 POS 2.24 03-30 POS 124.94
03-23 POS 45.01 04-07 POS 112.74
03-26 POS 29.99
 Page 3 of 3

Statement Period
03/13/21 - 04/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

03-13 Beginning Balance 5.00

No Transactions This Period

04-12 Ending Balance 5.00

2020 Year to Date Federal Income Tax Information

SAVINGS DIVIDENDS 0.00

CHECKING DIVIDENDS 0.22 FINANCE CHARGE CHECKING LOC 0.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
02/13/21 - 03/12/21

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000MMA90F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

2021 Annual Meeting Will Be Virtual

Due to the COVID-19 pandemic, Navy Federal's Annual Meeting will be held virtually on Wednesday,
April 21 at 6 pm, ET. Registration is available on a first-come, first-served basis. Due to system
limitations, attendance capacity is limited. Register at navyfederal.org/events. If you need assistance
with registration, call 1-888-842-6328.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $1.48 $2,921.00 $2,751.96 $170.52 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $6.48 $2,921.00 $2,751.96 $175.52 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
02/13/21 - 03/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

02-13 Beginning Balance 1.48

02-16 Deposit 02-12-21 Fcjn Spout Springs, NC 300.00 301.48

02-16 POS Debit- Debit Card 8952 02-15-21 Golds Gym NC-Randl 336-544-0783 NC 49.00 - 252.48

02-16 POS Debit- Debit Card 8952 02-15-21 Comfort Suites Ral Durham NC 99.88 - 152.60

02-22 POS Credit Adjustment 8952 Transaction 02-21-21 Zelle*a2B Transpo Visa Direct AZ 1.00 153.60

02-22 POS Credit Adjustment 8952 Transaction 02-21-21 Zelle*a2B Transpo Visa Direct AZ 100.00 253.60

02-22 POS Debit- Debit Card 8952 02-22-21 Spice House Atlanta GA 80.53 - 173.07

02-22 POS Debit- Debit Card 8952 02-19-21 Quality Inn Gaffney SC 89.38 - 83.69

02-23 POS Debit - Debit Card 8952 Transaction 02-22-21 Circle K # 23104 1301 Greenville

NC 7.44 - 76.25

02-23 Paid To - Self Lender Inc Payments Chk 9600101 25.00 - 51.25

02-26 POS Debit- Debit Card 8952 02-25-21 Golds Gym NC-Randl 336-544-0783 NC 29.99 - 21.26

03-01 Deposit 02-27-21 Fcjn Spout Springs, NC 300.00 321.26

03-02 Deposit 500.00 821.26

03-02 POS Debit- Debit Card 8952 03-01-21 Zelle*donelle Pad Visa Direct AZ 100.00 - 721.26

03-03 POS Debit- Debit Card 8952 03-02-21 Zelle*jayell Whit Visa Direct AZ 1.00 - 720.26

03-03 POS Debit- Debit Card 8952 03-03-21 Zelle*jayell Whit Visa Direct AZ 200.00 - 520.26

03-03 POS Debit- Debit Card 8952 03-03-21 Zelle*nina Goins Visa Direct AZ 400.00 - 120.26

03-04 POS Debit- Debit Card 8952 03-03-21 Zelle*shavetta Sh Visa Direct AZ 40.00 - 80.26

03-09 Deposit 03-09-21 Fcjn Spout Springs, NC 500.00 580.26

03-09 Deposit 03-09-21 Fcjn Spout Springs, NC 600.00 1,180.26

03-09 Deposit 03-09-21 Fcjn Spout Springs, NC 620.00 1,800.26

03-10 POS Debit- Debit Card 8952 03-09-21 Ebay O*16-06707-93 San Jose CA 1,542.54 - 257.72

03-12 POS Debit- Debit Card 8952 03-11-21 LA Quinta Inns 09 Morrisville NC 87.20 - 170.52

03-12 Ending Balance 170.52

Average Daily Balance - Current Cycle: $188.27

 Page 3 of 4

Statement Period
02/13/21 - 03/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Items Paid

Date Item Amount($) Date Item Amount($)

02-23 ACH 25.00 03-02 POS 100.00

02-16 POS 99.88 03-03 POS 1.00
02-16 POS 49.00 03-03 POS 200.00
02-22 POS 89.38 03-03 POS 400.00
02-22 POS 80.53 03-04 POS 40.00
02-23 POS 7.44 03-10 POS 1,542.54
02-26 POS 29.99 03-12 POS 87.20

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

02-13 Beginning Balance 5.00

No Transactions This Period

03-12 Ending Balance 5.00

2020 Year to Date Federal Income Tax Information

SAVINGS DIVIDENDS 0.00

CHECKING DIVIDENDS 0.22 FINANCE CHARGE CHECKING LOC 0.00

 Page 4 of 4

Statement Period
02/13/21 - 03/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 3

Statement of Account

Statement Period
01/13/21 - 02/12/21

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000FME00F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $0.68 $1,160.00 $1,159.20 $1.48 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $5.68 $1,160.00 $1,159.20 $6.48 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 3

Statement Period
01/13/21 - 02/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

01-13 Beginning Balance 0.68

01-14 POS Credit Adjustment 8952 Transaction 01-14-21 Zelle*donelle D P Visa Direct AZ 60.00 60.68

01-14 ATM Withdrawal 01-14-21 Usaacatm19 Wytheville VA 60.00 - 0.68

01-25 Deposit 01-23-21 Fcjn Spout Springs, NC 900.00 900.68

01-25 POS Debit- Debit Card 8952 01-24-21 Zelle*roosevelt H Visa Direct NC 250.00 - 650.68

01-25 POS Debit- Debit Card 8952 01-25-21 Zelle*nina Goins Visa Direct AZ 300.00 - 350.68

01-26 POS Debit- Debit Card 8952 01-25-21 Golds Gym NC-Randl 336-544-0783 NC 29.99 - 320.69

01-26 POS Debit- Debit Card 8952 01-24-21 Red Roof Inn 0201 Durham NC 67.43 - 253.26

01-26 POS Debit- Debit Card 8952 01-25-21 Diabate*burnerprog 8339292201 GA 119.97 - 133.29

02-01 Deposit 01-29-21 Fcjn Spout Springs, NC 200.00 333.29

02-01 POS Debit- Debit Card 8952 01-29-21 Golds Gym NC-Randl 336-544-0783 NC 20.00 - 313.29

02-01 POS Debit- Debit Card 8952 01-29-21 Golds Gym NC-Randl 336-544-0783 NC 29.99 - 283.30

02-01 POS Debit- Debit Card 8952 01-30-21 Sq *youth Fountain 877-417-4551 CA 112.82 - 170.48

02-01 POS Debit- Debit Card 8952 01-30-21 Buygoods.Com 302-2003480 DE 118.00 - 52.48

02-01 Paid To - Self Lender Inc Payments Chk 9600101 51.00 - 1.48

02-12 Ending Balance 1.48

Average Daily Balance - Current Cycle: $37.94

Items Paid

Date Item Amount($) Date Item Amount($)

02-01 ACH 51.00 02-01 POS 29.99

01-25 POS 300.00 02-01 POS 112.82
01-25 POS 250.00 02-01 POS 118.00
01-26 POS 67.43 02-01 POS 20.00
01-26 POS 119.97 01-14 ATMO 60.00
01-26 POS 29.99
 Page 3 of 3

Statement Period
01/13/21 - 02/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

01-13 Beginning Balance 5.00

No Transactions This Period

02-12 Ending Balance 5.00

2020 Year to Date Federal Income Tax Information

SAVINGS DIVIDENDS 0.00

CHECKING DIVIDENDS 0.22 FINANCE CHARGE CHECKING LOC 0.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 3

Statement of Account

Statement Period
12/13/20 - 01/12/21

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000JMA00F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $34.24 $20.00 $53.56 $0.68 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $39.24 $20.00 $53.56 $5.68 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 3

Statement Period
12/13/20 - 01/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-13 Beginning Balance 34.24

12-15 POS Debit- Debit Card 8952 12-14-20 Pop Shoppe #184 High Point NC 34.00 - 0.24

12-22 POS Credit Adjustment 8952 Transaction 12-22-20 Zelle*dimitri Bal Visa Direct AZ 20.00 20.24

12-23 POS Debit- Debit Card 8952 12-22-20 Golds Gym NC Wendo 8008294321 NC 1.00 - 19.24

12-31 POS Debit- Debit Card 8952 12-30-20 Flagstop Car Wash Hopewell VA 7.00 - 12.24

01-06 POS Debit- Debit Card 8952 01-05-21 Shell Oil 12479273 Hopewell VA 4.61 - 7.63

01-11 POS Debit- Debit Card 8952 01-09-21 Muscle Mass Up 866-6885090 WI 6.95 - 0.68

01-12 Ending Balance 0.68

Average Daily Balance - Current Cycle: $11.52

Items Paid

Date Item Amount($) Date Item Amount($)

12-15 POS 34.00 01-06 POS 4.61

12-23 POS 1.00 01-11 POS 6.95
12-31 POS 7.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-13 Beginning Balance 5.00

No Transactions This Period

01-12 Ending Balance 5.00

 Page 3 of 3

Statement Period
12/13/20 - 01/12/21

Access No. 13922920

Statement of Account
For MARK A GOINS

2020 Year to Date Federal Income Tax Information

SAVINGS DIVIDENDS 0.00

CHECKING DIVIDENDS 0.22 FINANCE CHARGE CHECKING LOC 0.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
11/13/20 - 12/12/20

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000DME00F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $340.73 $360.01 $666.50 $34.24 $0.22

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $345.73 $360.01 $666.50 $39.24 $0.22

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
11/13/20 - 12/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

11-13 Beginning Balance 340.73

11-16 Intl Transaction Fee 11-15-20 Shpsve.Com London 0.13 - 340.60

11-16 POS Debit- Debit Card 8387 11-15-20 Shpsve.Com London 12.99 - 327.61

11-17 POS Debit - Debit Card 8387 Transaction 11-16-20 Murphy7346Atwal Greensboro

NC 36.01 - 291.60

11-17 POS Debit- Debit Card 8387 11-17-20 Zelle*gabriel Haw Visa Direct AZ 50.00 - 241.60

11-25 Deposit 300.00 541.60

11-27 POS Debit - Debit Card 8952 Transaction 11-25-20 Wm Superc Wal-Mart Sup

Charlotte (W) NC 19.20 - 522.40

11-27 POS Debit - Debit Card 8952 Transaction 11-25-20 Wal-Mart #3371 Charlotte NC 54.63 - 467.77

11-30 ATM Withdrawal 11-29-20 Pnc Bank Greensboro NC 60.00 - 407.77

11-30 ATM Withdrawal 11-30-20 Pnc Bank Greenville NC 100.00 - 307.77

11-30 POS Debit- Debit Card 8952 11-28-20 Pantry Shop Greensboro NC 4.92 - 302.85

11-30 POS Debit- Debit Card 8952 11-28-20 Circle K 08411 Charlotte NC 5.30 - 297.55

11-30 POS Debit- Debit Card 8952 11-29-20 Zelle*meetri Bald Visa Direct AZ 40.00 - 257.55

11-30 Dividend 0.01 257.56

12-01 Dispute - Temp Credit 60.00 317.56

12-01 POS Debit- Debit Card 8952 11-29-20 Tobacco & Vape Dis High Point NC 8.50 - 309.06

12-01 POS Debit- Debit Card 8952 11-29-20 Bojangles 618 0100 Marshville NC 21.96 - 287.10

12-02 POS Debit- Debit Card 8952 12-01-20 Wawa 698 Hopewell VA 14.98 - 272.12

12-02 POS Debit- Debit Card 8952 11-30-20 Abg Hospitality Ll Greenville NC 60.00 - 212.12

12-03 POS Debit - Debit Card 8952 Transaction 12-02-20 Wm Superc Wal-Mart Sup

Colonial Heig VA 55.66 - 156.46

12-03 Paid To - Self Lender Inc Payments Chk 9600101 25.00 - 131.46

12-08 POS Debit - Debit Card 8952 Transaction 12-08-20 Sky Mart New Hill NC 37.17 - 94.29

12-08 POS Debit- Debit Card 8952 12-07-20 Straighttalk*airti 877-430-2355 FL 60.05 - 34.24
 Page 3 of 4

Statement Period
11/13/20 - 12/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-12 Ending Balance 34.24

Average Daily Balance - Current Cycle: $245.14

Your account earned $0.01, with an annual percentage yield earned of 0.04%, for the dividend period from 11-01-2020 through 11-30-2020

Items Paid

Date Item Amount($) Date Item Amount($)

12-03 ACH 25.00 12-01 POS 21.96

11-16 POS 12.99 12-01 POS 8.50
11-17 POS 50.00 12-02 POS 60.00
11-17 POS 36.01 12-02 POS 14.98
11-27 POS 54.63 12-03 POS 55.66
11-27 POS 19.20 12-08 POS 37.17
11-30 POS 5.30 12-08 POS 60.05
11-30 POS 40.00 11-30 ATMO 100.00
11-30 POS 4.92 11-30 ATMO 60.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

11-13 Beginning Balance 5.00

No Transactions This Period

12-12 Ending Balance 5.00

 Page 4 of 4

Statement Period
11/13/20 - 12/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
10/13/20 - 11/12/20

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000NMO00F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $571.20 $650.01 $880.48 $340.73 $0.21

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $576.20 $650.01 $880.48 $345.73 $0.21

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
10/13/20 - 11/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

10-13 Beginning Balance 571.20

10-13 POS Debit - Debit Card 8617 Transaction 10-10-20 Wal-Mart #5014 Greensboro NC 11.08 - 560.12

10-13 POS Debit - Debit Card 8617 Transaction 10-10-20 Wal-Mart Super Center

Greensboro ( NC 19.34 - 540.78

10-13 POS Debit - Debit Card 8617 Transaction 10-10-20 Wm Superc Wal-Mart Sup

Greensboro ( NC 23.01 - 517.77

10-13 POS Debit- Debit Card 8617 10-12-20 Walmart.Com Ax 800-966-6546 AR 24.40 - 493.37

10-13 POS Debit - Debit Card 8617 Transaction 10-11-20 Great Stops #4 1411 W

Greensboro NC 35.00 - 458.37

10-13 POS Debit - Debit Card 8617 Transaction 10-10-20 BP#948118535904 Charleston

WV 40.01 - 418.36

10-13 POS Debit - Debit Card 8617 Transaction 10-10-20 Office Depot 00 3900 B High

Point NC 45.89 - 372.47

10-15 POS Debit - Debit Card 8617 Transaction 10-15-20 Wal-Mart #1097 Aberdeen NC 61.80 - 310.67

10-16 POS Debit - Debit Card 8617 Transaction 10-15-20 Family Dollar # Aberdeen NC 5.72 - 304.95

10-20 POS Debit- Debit Card 8617 10-19-20 McDonald's F31507 Greensboro NC 8.24 - 296.71

10-20 POS Debit- Debit Card 8617 10-19-20 Vioc Gm0009 Greensboro NC 50.70 - 246.01

10-23 POS Debit - Debit Card 8387 Transaction 10-22-20 Walgreens Store 7860 R

Fayetteville NC 32.68 - 213.33

10-26 ATM Fee - Withdrawal 10-25-20 Cardtronics CCS Archdale NC 1.00 - 212.33

10-26 ATM Withdrawal 10-25-20 Cardtronics CCS Archdale NC 23.25 - 189.08

10-26 ATM Withdrawal 10-23-20 Pnc Bank Greensboro NC 140.00 - 49.08

10-26 POS Debit- Debit Card 8387 10-23-20 Sq *biscuitville 1 Greensboro NC 5.58 - 43.50

10-26 POS Debit- Debit Card 8387 10-25-20 KFC G135205 Greensboro NC 11.19 - 32.31

10-26 POS Debit- Debit Card 8387 10-25-20 Pop Shoppe #184 High Point NC 27.00 - 5.31

10-27 POS Debit- Debit Card 8387 10-26-20 BP#5552831West Blv Charlotte NC 4.10 - 1.21
 Page 3 of 4

Statement Period
10/13/20 - 11/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

10-30 Dividend 0.01 1.22

11-04 Deposit - ACH Paid From En Route Xpress Zelle 01Afd1 50.00 51.22

11-06 Deposit 11-06-20 Fcmb Skibo Road, NC 600.00 651.22

11-09 POS Debit- Debit Card 8387 11-08-20 Iiq*identityiq.Com 877-8754347 NV 24.99 - 626.23

11-09 POS Debit- Debit Card 8387 11-06-20 Zelle*nina Goins Visa Direct AZ 200.00 - 426.23

11-12 POS Debit- Debit Card 8387 11-11-20 American Deli-Char Charlotte NC 26.50 - 399.73

11-12 POS Debit- Debit Card 8387 11-11-20 Clean Credit Solut 336-3299002 NC 59.00 - 340.73

11-12 Ending Balance 340.73

Average Daily Balance - Current Cycle: $236.90

Your account earned $0.01, with an annual percentage yield earned of 0.05%, for the dividend period from 10-01-2020 through 10-31-2020

Items Paid

Date Item Amount($) Date Item Amount($)

10-13 POS 11.08 10-23 POS 32.68

10-13 POS 19.34 10-26 POS 5.58
10-13 POS 23.01 10-26 POS 11.19
10-13 POS 24.40 10-26 POS 27.00
10-13 POS 35.00 10-27 POS 4.10
10-13 POS 40.01 11-09 POS 24.99
10-13 POS 45.89 11-09 POS 200.00
10-15 POS 61.80 11-12 POS 26.50
10-16 POS 5.72 11-12 POS 59.00
10-20 POS 8.24 10-26 ATMO 23.25
10-20 POS 50.70 10-26 ATMO 140.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

10-13 Beginning Balance 5.00

No Transactions This Period

11-12 Ending Balance 5.00

 Page 4 of 4

Statement Period
10/13/20 - 11/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
09/13/20 - 10/12/20

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000OMC00F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $277.53 $900.00 $606.33 $571.20 $0.20

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $282.53 $900.00 $606.33 $576.20 $0.20

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
09/13/20 - 10/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

09-13 Beginning Balance 277.53

09-15 POS Debit - Debit Card 8617 Transaction 09-14-20 Shell Service Station Southern

Pine NC 3.55 - 273.98

09-15 POS Debit - Debit Card 8617 Transaction 09-14-20 Great Sto 4828 W Wendo

Jamestown NC 4.89 - 269.09

09-15 POS Debit - Debit Card 8617 Transaction 09-14-20 Murphy7385Atwal Wadesboro NC 38.11 - 230.98

09-16 POS Debit- Debit Card 8617 09-13-20 LA Quinta Inns 09 Cary NC 81.54 - 149.44

09-17 POS Debit- Debit Card 8617 09-16-20 McDonald's F29236 Charlotte NC 4.09 - 145.35

09-21 ATM Withdrawal 09-19-20 Pnc Bank Greensboro NC 30.00 - 115.35

09-21 POS Debit- Debit Card 8617 09-18-20 Howard Johnson Gre Greensboro NC 78.91 - 36.44

10-01 POS Debit- Debit Card 8617 09-30-20 Iiq*identityiq.Com 877-8754347 NV 24.99 - 11.45

10-05 Deposit 300.00 311.45

10-05 Paid To - Self Lender Inc Payments Chk 9600101 100.00 - 211.45

10-07 POS Credit Adjustment 8617 Transaction 10-07-20 Zelle*en Route Xp Visa Direct AZ 600.00 811.45

10-07 POS Debit - Debit Card 8617 Transaction 10-06-20 Shell Service Station Greensboro

NC 5.97 - 805.48

10-07 POS Debit - Debit Card 8617 Transaction 10-06-20 Shell Service Station Greensboro

NC 9.56 - 795.92

10-07 POS Debit - Debit Card 8617 Transaction 10-06-20 Shell Service Station Greensboro

NC 10.00 - 785.92

10-07 POS Debit- Debit Card 8617 10-06-20 Clean Credit Solut 336-3299002 NC 100.00 - 685.92

10-08 POS Debit- Debit Card 8617 10-06-20 Wingstop 1504 Greensboro NC 5.51 - 680.41

10-08 POS Debit- Debit Card 8617 10-06-20 Wingstop 1504 Greensboro NC 13.44 - 666.97

10-08 POS Debit - Debit Card 8617 Transaction 10-07-20 Harris Te 305 Ivey Lan Pinehurst

NC 18.13 - 648.84

10-08 POS Debit- Debit Card 8617 10-06-20 Howard Johnson Gre Greensboro NC 77.64 - 571.20
 Page 3 of 4

Statement Period
09/13/20 - 10/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

10-12 Ending Balance 571.20

Average Daily Balance - Current Cycle: $196.39

Items Paid

Date Item Amount($) Date Item Amount($)

10-05 ACH 100.00 10-07 POS 9.56

09-15 POS 4.89 10-07 POS 10.00
09-15 POS 38.11 10-07 POS 100.00
09-15 POS 3.55 10-08 POS 5.51
09-16 POS 81.54 10-08 POS 13.44
09-17 POS 4.09 10-08 POS 18.13
09-21 POS 78.91 10-08 POS 77.64
10-01 POS 24.99 09-21 ATMO 30.00
10-07 POS 5.97

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

09-13 Beginning Balance 5.00

No Transactions This Period

10-12 Ending Balance 5.00

 Page 4 of 4

Statement Period
09/13/20 - 10/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 3

Statement of Account

Statement Period
08/13/20 - 09/12/20

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000SME00F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $322.47 - $600.00 $0.00 $277.53 $0.20

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $317.47 - $600.00 $0.00 $282.53 $0.20

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 3

Statement Period
08/13/20 - 09/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

08-13 Beginning Balance 322.47 -

09-10 Deposit 600.00 277.53

09-12 Ending Balance 277.53

Average Daily Balance - Current Cycle: $264.40-

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

08-13 Beginning Balance 5.00

No Transactions This Period

09-12 Ending Balance 5.00

 Page 3 of 3

Statement Period
08/13/20 - 09/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
07/13/20 - 08/12/20

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000AMU00F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Navy Federal Annual Meeting Rescheduled to Thursday, 24 September 2020 at 6 pm

at our headquarters in Vienna, VA. In keeping with CDC guidelines, space will be limited, and masks will be

required for all attendees. Register at navyfederal.org/events. If you need assistance with registration,

call 1-888-842-6328. Because of safety concerns, we must forego the reception following the meeting.

The date is subject to change, depending on an updated health/safety assessment nearer to 24 September.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $129.16 $11,879.91 $12,331.54 $322.47 - $0.20

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $134.16 $11,879.91 $12,331.54 $317.47 - $0.20

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
07/13/20 - 08/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

07-13 Beginning Balance 129.16

07-13 Deposit - ACH Paid From Ncdes-Uibenefits Ui Benefit 01Afd7 629.00 758.16

07-13 Deposit - ACH Paid From Ncdes-Uibenefits Ui Benefit 01Afd7 10,512.00 11,270.16

07-14 ATM Withdrawal 07-13-20 Secu Aberdeen NC 500.00 - 10,770.16

07-14 ATM Withdrawal 07-13-20 Secu Rockingham NC 500.00 - 10,270.16

07-14 ATM Withdrawal 07-14-20 Secu Aberdeen NC 500.00 - 9,770.16

07-14 POS Debit- Debit Card 6596 07-13-20 Cash App*ninagoins 8774174551 CA 200.00 - 9,570.16

07-15 Intl Transaction Fee 07-15-20 Dstcff.Com 844-352-4698 0.13 - 9,570.03

07-15 POS Debit- Debit Card 6596 07-14-20 Dstcff.Com 844-352-4698 12.99 - 9,557.04

07-15 POS Debit- Debit Card 6596 07-14-20 Pjs Auto Care Southern Pnes NC 42.25 - 9,514.79

07-15 POS Debit- Debit Card 6596 07-14-20 Cash App*jordan SC 8774174551 CA 200.00 - 9,314.79

07-15 POS Debit- Debit Card 6596 07-14-20 Cash App*kimberly 8774174551 CA 300.00 - 9,014.79

07-15 POS Debit- Debit Card 6596 07-14-20 Cash App*denovo 8774174551 CA 350.00 - 8,664.79

07-20 Intl Transaction Fee 07-18-20 Paypal *lijuantrad 4029357733 0.44 - 8,664.35

07-20 ATM Withdrawal 07-18-20 Secu Aberdeen NC 300.00 - 8,364.35

07-20 POS Debit- Debit Card 6596 07-17-20 Self Lender 4 877-8830999 TX 5.45 - 8,358.90

07-20 POS Debit- Debit Card 6596 07-17-20 Self Lender 2 877-8830999 TX 26.05 - 8,332.85

07-20 POS Debit- Debit Card 6596 07-18-20 Paypal *lijuantrad 4029357733 43.94 - 8,288.91

07-20 POS Debit- Debit Card 6596 07-18-20 Best Western Pineh 9106920640 NC 82.49 - 8,206.42

07-21 ATM Withdrawal 07-21-20 Secu Aberdeen NC 500.00 - 7,706.42

07-21 POS Debit - Debit Card 6596 Transaction 07-20-20 Dick's Sporting Goods Aberdeen

NC 139.07 - 7,567.35

07-23 POS Debit- Debit Card 6596 07-21-20 Fanhelp4U.Com 800-2871318 FL 9.87 - 7,557.48

07-23 POS Debit- Debit Card 6596 07-22-20 Q E Houston TX 20.14 - 7,537.34

07-23 POS Debit - Debit Card 6596 Transaction 07-23-20 Arco#82586Takha Woodland CA 34.85 - 7,502.49

07-24 ATM Withdrawal 07-23-20 7Eleven-FC Eugene OR 200.00 - 7,302.49

 Page 3 of 4

Statement Period
07/13/20 - 08/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

07-24 POS Debit - Debit Card 6596 Transaction 07-23-20 Buy2 012 Canyonville OR 29.00 - 7,273.49

07-24 POS Debit - Debit Card 6596 Transaction 07-23-20 Target T- 2750 Gateway

Springfield OR 63.97 - 7,209.52

07-27 Western Union Fee 14.50 - 7,195.02

07-27 Withdrawal By Western Union 2,500.00 - 4,695.02

07-27 POS Debit- Debit Card 6596 07-25-20 Chevron 0099270 Alturas CA 33.00 - 4,662.02

07-27 POS Debit- Debit Card 6596 07-24-20 Priceln*red Lion I 800-774-2354 CT 88.97 - 4,573.05

07-27 POS Debit- Debit Card 6596 07-24-20 Self Lender 2 877-8830999 TX 103.29 - 4,469.76

07-27 POS Debit- Debit Card 6596 07-24-20 Cash App*leilani 8774174551 CA 2,300.00 - 2,169.76

07-28 POS Credit Adjustment 6596 Transaction 07-27-20 Cash App*cash Out Visa Direct

CA 591.00 2,760.76

07-28 POS Debit - Debit Card 6596 Transaction 07-27-20 Arco #42605 Ampm Los Angeles

CA 32.35 - 2,728.41

07-28 POS Debit - Debit Card 6596 Transaction 07-27-20 Target T- 2700 W 120th

Hawthorne CA 64.78 - 2,663.63

07-28 POS Debit- Debit Card 6596 07-27-20 Cash App*denovo 8774174551 CA 300.00 - 2,363.63

07-28 POS Debit- Debit Card 6596 07-27-20 Zelle*donelle Pad Visa Direct AZ 1,000.00 - 1,363.63

07-28 POS Debit- Debit Card 6596 07-27-20 Cash App*denovo 8774174551 CA 1,000.00 - 363.63

07-29 ATM Fee - Withdrawal 07-28-20 Chase Las Vegas NV 1.00 - 362.63

07-29 ATM Withdrawal 07-28-20 7Eleven-FC Las Vegas NV 60.00 - 302.63

07-29 ATM Withdrawal 07-28-20 Chase Las Vegas NV 103.00 - 199.63

07-29 POS Debit- Debit Card 6596 07-28-20 76 - Up0667 Phelan CA 16.51 - 183.12

07-30 POS Credit Adjustment 6596 Transaction 07-30-20 Cash App*cash Out Visa Direct

CA 147.75 330.87

07-30 Intl Transaction Fee 07-30-20 Egrssa.Com 8002407220 0.11 - 330.76

07-30 ATM Fee - Withdrawal 07-29-20 Cardtronics C2S Las Vegas NV 1.00 - 329.76

07-30 ATM Fee - Inquiry 07-29-20 Cardtronics C2S Las Vegas NV 1.00 - 328.76

07-30 ATM Withdrawal 07-29-20 Cardtronics C2S Las Vegas NV 303.00 - 25.76

07-30 POS Debit- Debit Card 6596 07-29-20 Egrssa.Com 8002407220 10.99 - 14.77

07-31 POS Debit- Debit Card 6596 07-30-20 Enterprise Rent-A- Las Vegas NV 337.40 - 322.63 -

07-31 Dividend 0.16 322.47 -

08-12 Ending Balance 322.47 -

Average Daily Balance - Current Cycle: $3,715.34

Your account earned $0.16, with an annual percentage yield earned of 0.05%, for the dividend period from 07-01-2020 through 07-31-2020

Items Paid

Date Item Amount($) Date Item Amount($)

07-14 POS 200.00 07-27 POS 2,300.00

07-15 POS 12.99 07-28 POS 32.35
07-15 POS 42.25 07-28 POS 64.78
07-15 POS 200.00 07-28 POS 300.00
07-15 POS 300.00 07-28 POS 1,000.00
07-15 POS 350.00 07-28 POS 1,000.00
07-20 POS 5.45 07-29 POS 16.51
07-20 POS 26.05 07-30 POS 10.99
07-20 POS 43.94 07-31 POS 337.40
07-20 POS 82.49 07-14 ATMO 500.00
07-21 POS 139.07 07-14 ATMO 500.00
07-23 POS 9.87 07-14 ATMO 500.00
07-23 POS 20.14 07-20 ATMO 300.00
07-23 POS 34.85 07-21 ATMO 500.00
07-24 POS 29.00 07-24 ATMO 200.00
07-24 POS 63.97 07-29 ATMO 103.00
07-27 POS 33.00 07-29 ATMO 60.00
07-27 POS 88.97 07-30 ATMO 303.00
07-27 POS 103.29
 Page 4 of 4

Statement Period
07/13/20 - 08/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

07-13 Beginning Balance 5.00

No Transactions This Period

08-12 Ending Balance 5.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 3

Statement of Account

Statement Period
06/13/20 - 07/12/20

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000JML00F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $0.66 $128.50 $0.00 $129.16 $0.04

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $5.66 $128.50 $0.00 $134.16 $0.04

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 3

Statement Period
06/13/20 - 07/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

06-13 Beginning Balance 0.66

07-07 Deposit - ACH Paid From Doordash, Inc. Doordash, 070720 128.50 129.16

07-12 Ending Balance 129.16

Average Daily Balance - Current Cycle: $26.36

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

06-13 Beginning Balance 5.00

No Transactions This Period

07-12 Ending Balance 5.00

 Page 3 of 3

Statement Period
06/13/20 - 07/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 3

Statement of Account

Statement Period
05/13/20 - 06/12/20

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000JMU00F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

IMPORTANT NOTICE: Effective July 1, 2020, Navy Federal Credit Union is updating our funds availability policy to:
• Increase the amount of funds available on the first business day after a deposit is made in branch or by mail with personal or business checks from $200 to $225; and
increase funds available immediately after a deposit is made at a Navy Federal ATM with personal or business checks from $200 to $225.
• Increase the amount of funds available from next-day items deposited into new accounts from $5,000 to $5,525; and increase the large deposit threshold from $5,000
to $5,525.
• Shorten the general hold time from seven to five business days; and add "on-us" checks (checks written from Navy Federal accounts)
deposited in person at a Navy Federal branch to our transactions allowing next-day availability.
• Clarify that messaging on Navy Federal ATMs will notify members of its cutoff time; and provide an address for mailed deposits: P.O. Box 3100, Merrifield, VA 20119-3100.
• Clarify that this policy does not extend to deposits made into IRAs; and to indicate longer delays may apply to deposits made outside the continental U.S.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $0.66 $0.00 $0.00 $0.66 $0.04

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $5.66 $0.00 $0.00 $5.66 $0.04

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 3

Statement Period
05/13/20 - 06/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

05-13 Beginning Balance 0.66

No Transactions This Period

06-12 Ending Balance 0.66

Average Daily Balance - Current Cycle: $0.66

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

05-13 Beginning Balance 5.00

No Transactions This Period

06-12 Ending Balance 5.00

 Page 3 of 3

Statement Period
05/13/20 - 06/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 3

Statement of Account

Statement Period
04/13/20 - 05/12/20

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000MMY00F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

IMPORTANT NOTICE: Effective July 1, 2020, Navy Federal Credit Union is updating our funds availability policy to:
• Increase the amount of funds available on the first business day after a deposit is made in branch or by mail with personal or business checks from $200 to $225; and
increase funds available immediately after a deposit is made at a Navy Federal ATM with personal or business checks from $200 to $225.
• Increase the amount of funds available from next-day items deposited into new accounts from $5,000 to $5,525; and increase the large deposit threshold from $5,000
to $5,525.
• Shorten the general hold time from seven to five business days; and add "on-us" checks (checks written from Navy Federal accounts)
deposited in person at a Navy Federal branch to our transactions allowing next-day availability.
• Clarify that messaging on Navy Federal ATMs will notify members of its cutoff time; and provide an address for mailed deposits: P.O. Box 3100, Merrifield, VA 20119-3100.
• Clarify that this policy does not extend to deposits made into IRAs; and to indicate longer delays may apply to deposits made outside the continental U.S.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $802.81 $98.52 $900.67 $0.66 $0.04

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $807.81 $98.52 $900.67 $5.66 $0.04

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 3

Statement Period
04/13/20 - 05/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

04-13 Beginning Balance 802.81

04-13 POS Debit- Debit Card 6596 04-10-20 Cash App*shaydawg 8774174551 CA 30.00 - 772.81

04-15 ATM Withdrawal 04-14-20 Secu Aberdeen NC 160.00 - 612.81

04-17 POS Debit- Debit Card 6596 04-16-20 USPS Change Of Add 800-238-3150 TN 1.05 - 611.76

04-20 POS Credit Adjustment 6596 Transaction 04-18-20 Cash App*cash Out Visa Direct

CA 98.50 710.26

04-20 ATM Withdrawal 04-17-20 Secu Aberdeen NC 300.00 - 410.26

04-20 ATM Withdrawal 04-18-20 Secu Aberdeen NC 400.00 - 10.26

04-30 Dividend 0.02 10.28

05-05 POS Debit- Debit Card 6596 05-04-20 Netflix.Com Netflix.Com CA 9.62 - 0.66

05-12 Ending Balance 0.66

Average Daily Balance - Current Cycle: $158.86

Your account earned $0.02, with an annual percentage yield earned of 0.06%, for the dividend period from 04-01-2020 through 04-29-2020

Items Paid

Date Item Amount($) Date Item Amount($)

04-13 POS 30.00 04-15 ATMO 160.00

04-17 POS 1.05 04-20 ATMO 400.00
05-05 POS 9.62 04-20 ATMO 300.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

04-13 Beginning Balance 5.00

No Transactions This Period

 Page 3 of 3

Statement Period
04/13/20 - 05/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Membership Savings - 3122471604 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

05-12 Ending Balance 5.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 4

Statement of Account

Statement Period
03/13/20 - 04/12/20

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000AMP00F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $501.00 $4,303.11 $4,001.30 $802.81 $0.02

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $506.00 $4,303.11 $4,001.30 $807.81 $0.02

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 4

Statement Period
03/13/20 - 04/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

03-13 Beginning Balance 501.00

03-19 POS Credit Adjustment 6596 Transaction 03-19-20 Zelle*en Route Xp Visa Direct AZ 775.00 1,276.00

03-19 POS Debit - Debit Card 6596 Transaction 03-19-20 Sheetz 0543 Fredericksbur VA 95.00 - 1,181.00

03-19 POS Debit - Debit Card 6596 Transaction 03-18-20 Qt 1120 Outside Gaffney SC 97.37 - 1,083.63

03-20 ATM Fee - Withdrawal 03-19-20 Wells Fargo Ban Hopewell VA 1.00 - 1,082.63

03-20 ATM Withdrawal 03-19-20 Wells Fargo Ban Hopewell VA 43.00 - 1,039.63

03-20 POS Debit - Debit Card 6596 Transaction 03-19-20 Wal-Mart #5343 Fredericksbur VA 29.43 - 1,010.20

03-23 ATM Fee - Withdrawal 03-20-20 Center Park Sho Aberdeen NC 1.00 - 1,009.20

03-23 ATM Withdrawal 03-20-20 Center Park Sho Aberdeen NC 103.00 - 906.20

03-23 POS Debit- Debit Card 6596 03-20-20 Bojangles 618 0100 Marshville NC 5.34 - 900.86

03-23 POS Debit- Debit Card 6596 03-20-20 Qt 1054 Monroe NC 39.18 - 861.68

03-23 POS Debit- Debit Card 6596 03-20-20 Cash App*crystal M 8774174551 CA 52.00 - 809.68

03-23 POS Debit- Debit Card 6596 03-19-20 Circle K # 23844 Sanford NC 58.62 - 751.06

03-23 POS Debit - Debit Card 6596 Transaction 03-21-20 Dollar-GE 1800 NC High

Aberdeen NC 92.56 - 658.50

03-23 POS Debit - Debit Card 6596 Transaction 03-21-20 Dollar-GE 1800 NC High

Aberdeen NC 92.56 - 565.94

03-24 POS Credit Adjustment 6596 Transaction 03-24-20 Zelle*en Route Xp Visa Direct AZ 325.00 890.94

03-26 ATM Withdrawal 03-25-20 Pnc Bank Colonial Hts VA 100.00 - 790.94

03-26 POS Debit - Debit Card 6596 Transaction 03-25-20 Wawa 684 Chesterfield VA 57.76 - 733.18

03-26 POS Debit - Debit Card 6596 Transaction 03-26-20 Sheetz 603 Bethel PA 78.67 - 654.51

03-27 ATM/POS Provisional CR 92.56 747.07

03-27 POS Debit- Debit Card 6596 03-26-20 Cash App* 8774174551 CA 30.00 - 717.07

03-27 POS Debit - Debit Card 6596 Transaction 03-26-20 Shell Service S Franklin MA 83.00 - 634.07

03-27 POS Debit- Debit Card 6596 03-26-20 Sq *zaneta Burns 877-417-4551 NC 250.00 - 384.07

03-30 POS Credit Adjustment 6596 Transaction 03-28-20 Zelle*en Route Xp Visa Direct AZ 1,350.00 1,734.07
 Page 3 of 4

Statement Period
03/13/20 - 04/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

EveryDay Checking - 7100050835 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

03-30 Intl Transaction Fee 03-28-20 Bestedusenior 8778187911 0.47 - 1,733.60

03-30 ATM Fee - Withdrawal 03-28-20 P391626 Monroe NC 1.00 - 1,732.60

03-30 ATM Fee - Withdrawal 03-29-20 Wells Fargo Ban Southern Pine NC 1.00 - 1,731.60

03-30 ATM Withdrawal 03-28-20 P391626 Monroe NC 142.00 - 1,589.60

03-30 ATM Withdrawal 03-29-20 Wells Fargo Ban Southern Pine NC 303.00 - 1,286.60

03-30 POS Debit- Debit Card 6596 03-27-20 Bestedusenior 8778187911 47.00 - 1,239.60

03-30 POS Debit - Debit Card 6596 Transaction 03-28-20 BP#5054069Amoco Monroe NC 88.00 - 1,151.60

03-30 POS Debit- Debit Card 6596 03-28-20 Marathon Petro2387 Upper Marlbor MD 90.00 - 1,061.60

03-30 POS Debit- Debit Card 6596 03-28-20 Sq *zaneta Burns 877-417-4551 NC 101.50 - 960.10

03-31 Dividend 0.02 960.12

04-01 POS Credit Adjustment 6596 Transaction 03-31-20 Cash App*cash Out Visa Direct

CA 147.75 1,107.87

04-01 ATM Fee - Withdrawal 03-31-20 P209790 Aberdeen NC 1.00 - 1,106.87

04-01 ATM Withdrawal 03-31-20 P209790 Aberdeen NC 202.75 - 904.12

04-01 POS Debit - Debit Card 6596 Transaction 04-01-20 Sheetz 0321 Colonial Hts VA 83.87 - 820.25

04-01 POS Debit- Debit Card 6596 03-31-20 Sq *zaneta Burns 877-417-4551 NC 150.00 - 670.25

04-02 POS Credit Adjustment 6596 Transaction 04-02-20 Zelle*en Route Xp Visa Direct AZ 225.00 895.25

04-02 POS Credit Adjustment 6596 Transaction 04-02-20 Zelle*en Route Xp Visa Direct AZ 585.00 1,480.25

04-02 POS Debit - Debit Card 6596 Transaction 04-01-20 Raceway6787 Chester VA 75.50 - 1,404.75

04-03 POS Debit - Debit Card 6596 Transaction 04-02-20 Wal-Mart #1097 Aberdeen NC 119.50 - 1,285.25

04-06 ATM Fee - Withdrawal 04-04-20 P372525 Greensboro NC 1.00 - 1,284.25

04-06 ATM Withdrawal 04-04-20 P372525 Greensboro NC 163.00 - 1,121.25

04-06 ATM Withdrawal 04-05-20 Secu Aberdeen NC 200.00 - 921.25

04-06 ATM Withdrawal 04-05-20 Secu Aberdeen NC 500.00 - 421.25

04-06 POS Debit- Debit Card 6596 04-04-20 Zelle*nina Goins Visa Direct AZ 1.00 - 420.25

04-06 POS Debit - Debit Card 6596 Transaction 04-03-20 Walgreens Store 38 Pin Southern

Pine NC 6.42 - 413.83

04-06 POS Debit - Debit Card 6596 Transaction 04-03-20 Gnc #9931 33 Pinecrest Southern

Pine NC 10.69 - 403.14

04-06 POS Debit - Debit Card 6596 Transaction 04-03-20 Mac's #4 Aberdeen NC 11.96 - 391.18

04-06 POS Debit - Debit Card 6596 Transaction 04-03-20 Dollar-GE 1345 N Sandh

Aberdeen NC 20.47 - 370.71

04-06 POS Debit - Debit Card 6596 Transaction 04-03-20 Mac's #4 Aberdeen NC 26.61 - 344.10

04-06 POS Debit- Debit Card 6596 04-04-20 Zelle*nina Goins Visa Direct AZ 50.00 - 294.10

04-06 POS Debit - Debit Card 6596 Transaction 04-04-20 BP#8088700Lee S Greensboro

NC 74.23 - 219.87

04-06 POS Debit - Debit Card 6596 Transaction 04-03-20 Food Lion #0353 Aberdeen NC 95.84 - 124.03

04-06 POS Debit- Debit Card 6596 04-03-20 Sq *zaneta Burns 877-417-4551 NC 100.00 - 24.03

04-08 POS Debit- Debit Card 6596 04-06-20 Sdc*pee Dee Emc 800-9921626 NC 24.00 - 0.03

04-10 POS Credit Adjustment 6596 Transaction 04-10-20 Cash App*cash Out Visa Direct

CA 802.78 802.81

04-12 Ending Balance 802.81

Average Daily Balance - Current Cycle: $696.20

Your account earned $0.02, with an annual percentage yield earned of 0.05%, for the dividend period from 03-01-2020 through 03-30-2020

Items Paid

Date Item Amount($) Date Item Amount($)

03-19 POS 95.00 03-23 POS 5.34

03-19 POS 97.37 03-23 POS 39.18
03-20 POS 29.43 03-23 POS 52.00
 Page 4 of 4

Statement Period
03/13/20 - 04/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Items Paid (Continued from previous page)

Date Item Amount($) Date Item Amount($)

03-23 POS 58.62 04-06 POS 10.69

03-23 POS 92.56 04-06 POS 11.96
03-23 POS 92.56 04-06 POS 20.47
03-26 POS 57.76 04-06 POS 26.61
03-26 POS 78.67 04-06 POS 50.00
03-27 POS 30.00 04-06 POS 74.23
03-27 POS 83.00 04-06 POS 95.84
03-27 POS 250.00 04-06 POS 100.00
03-30 POS 47.00 04-08 POS 24.00
03-30 POS 88.00 03-20 ATMO 43.00
03-30 POS 90.00 03-23 ATMO 103.00
03-30 POS 101.50 03-26 ATMO 100.00
04-01 POS 83.87 03-30 ATMO 303.00
04-01 POS 150.00 03-30 ATMO 142.00
04-02 POS 75.50 04-01 ATMO 202.75
04-03 POS 119.50 04-06 ATMO 500.00
04-06 POS 1.00 04-06 ATMO 163.00
04-06 POS 6.42 04-06 ATMO 200.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

03-13 Beginning Balance 5.00

No Transactions This Period

04-12 Ending Balance 5.00

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 3

Statement of Account

Statement Period
02/13/20 - 03/12/20

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000MMA00F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $0.00 $501.00 $0.00 $501.00 $0.00

Membership Savings
3122471604 $5.00 $0.00 $0.00 $5.00 $0.00

Totals $5.00 $501.00 $0.00 $506.00 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 3

Statement Period
02/13/20 - 03/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

02-13 Beginning Balance 0.00

03-11 POS Credit Adjustment 6596 Transaction 03-10-20 Zelle*mark Goins Visa Direct NC 1.00 1.00

03-12 POS Credit Adjustment 6596 Transaction 03-12-20 Zelle*mark Goins Visa Direct CA 500.00 501.00

03-12 Ending Balance 501.00

Average Daily Balance - Current Cycle: $17.31

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

02-13 Beginning Balance 5.00

No Transactions This Period

03-12 Ending Balance 5.00

 Page 3 of 3

Statement Period
02/13/20 - 03/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.
 Page 1 of 3

Statement of Account

Statement Period
02/07/20 - 02/12/20

Access No. 13922920

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q3Y2RYR0A5#000FME00F
MARK A GOINS Questions about this Statement?

103 MERIDITH DR Toll-free in the U.S. 1-888-842-6328

ABERDEEN NC 28315-3723 For toll-free numbers when overseas,

visit navyfederal.org/overseas/
Collect internationally 1-703-255-8837

Say "Yes" to Paperless! View your

digital statements via Mobile or
Navy Federal Online Banking.

Say "Yes" to Paperless Statements

If you haven't already, go paperless! You can access up to 36 months of statements anytime, anywhere.

To get started, select "Statements" in digital banking.*

It's an easy way to reduce the risk of identity theft and cut down on paper clutter.

Insured by NCUA. *Message and data rates may apply. Visit navyfederal.org for more information.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

EveryDay Checking
7100050835 $0.00 $0.00 $0.00 $0.00 $0.00

Membership Savings
3122471604 $0.00 $5.00 $0.00 $5.00 $0.00

Totals $0.00 $5.00 $0.00 $5.00 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

MARK A GOINS
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
13922920
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7100050835 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3122471604 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710005083531224716040000000000000000000000000000008
 Page 2 of 3

Statement Period
02/07/20 - 02/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Checking

EveryDay Checking - 7100050835

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

02-07 Beginning Balance 0.00

No Transactions This Period

02-12 Ending Balance 0.00

Average Daily Balance - Current Cycle: $0.00

Savings

Membership Savings - 3122471604

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

02-07 Beginning Balance 0.00

02-07 Deposit 5.00 5.00

02-12 Ending Balance 5.00

 Page 3 of 3

Statement Period
02/07/20 - 02/12/20

Access No. 13922920

Statement of Account
For MARK A GOINS

Disclosure Information
• The interest charge on the Checking Line of Credit advances begins to accrue on the date an advance is posted to your account and continues to accrue daily on the unpaid principal balance.

• We calculate the interest charge on your account by applying the daily periodic rate to the "daily balance" of your account for each day in the billing cycle. To get the "daily balance"

we take the beginning balance of your account each day, add any new advances or fees, and subtract any payments, credits, or unpaid interest charges.

• You may also determine the amount of interest charges by multiplying the "Balance Subject to Interest Rate" by the number of days in the billing cycle and the daily periodic rate. The "Balance

Subject to Interest Rate" disclosed in the Interest Charge Calculation table is the "average daily balance." To calculate the "average daily balance" add up all the "daily balances" for

the billing cycle and divide the total by the number of days in the billing cycle.

• If there are two or more daily periodic rates imposed during the billing cycle, you may determine the amount of interest charges by multiplying each of the "Balances Subject to Interest Rate"

by the number of days the applicable rate was in effect and multiplying each of the results by the applicable daily periodic rate and adding the results together.

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

Errors Related to a Checking Line of Credit Advance

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

Navy Federal Credit Union, PO Box 3000, Merrifield, VA 22119-3000; or by fax, 1-703-206-4244.

You may also contact us on the Web: navyfederal.org.

In your letter, give us the following information:

• Account information: Your name and account number.

• Dollar amount: The dollar amount of the suspected error.

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

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

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

pay the amount in question.

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

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

• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have

to pay the amount in question or any interest or other fees related to that amount.

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

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

If we take more than 10 days in resolving an electronic transfer inquiry, we will provisionally credit your account for the amount in question so that you will have access to the funds during the

time of our investigation.

Errors Within Your Checking Account, Money Market Savings Account, or Savings Account

In case of errors or questions about your electronic transfers telephone us at 1-888-842-6328, write us at the address provided above, or through Navy Federal Online Banking as soon as you

can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we

sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will provisionally credit your account for the amount you think is in error,

so that you will have the use of the money during the time it takes us to complete our investigation.

Payments
Your check must be payable to Navy Federal Credit Union and include your Checking Line of Credit account number. Include the voucher found at the bottom of your statement and mail the enclosed

envelope to: Navy Federal Credit Union, PO Box 3100, Merrifield, VA 22119-3100. Payments received by 5:00 pm Eastern Time at the mail address above will be credited the same day. Mailed payments

for your Checking Line of Credit account may not be commingled with funds designated for credit to other Navy Federal Credit Union accounts.