Page 1 of 7

Statement of Account

Statement Period
12/19/24 - 01/18/25

Access No. 19519950

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q9U1YYU0A6#000JMA00F
AYESHA MCKINNEY Questions about this Statement?

3322 EMERSON AVE N Toll-free in the U.S. 1-888-842-6328

MINNEAPOLIS MN 55412-2519 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.

Annual Meeting Update

The date for our upcoming annual meeting has changed. It will now be held on Wednesday,

April 23, 2025.

Summary of your deposit accounts

Previous Deposits/ Withdrawals/ Ending YTD

Balance Credits Debits Balance Dividends

e-Checking
7166843479 $362.88 $9,078.90 $9,314.41 $127.37 $0.00

Membership Savings
3193187683 $213.46 $29.01 $29.01 $213.46 $0.00

Money Market Savings

3193187691 $0.00 $0.00 $0.00 $0.00 $0.00

Totals $576.34 $9,107.91 $9,343.42 $340.83 $0.00

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

AYESHA MCKINNEY
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
19519950
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7166843479 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3193187683 Savings

3193187691 MMSA

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405716684347931931876833193187691000000000000000000009
 Page 2 of 7

Statement Period
12/19/24 - 01/18/25

Access No. 19519950

Statement of Account
For AYESHA MCKINNEY

Checking

e-Checking - 7166843479

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-19 Beginning Balance 362.88

12-19 POS Debit- Debit Card 5587 12-18-24 IL Makiage Makeup& 551-751-7495 Ny 6.43 - 356.45

12-19 POS Debit- Debit Card 5587 12-18-24 Walgreens #15982 Minneapolis MN 7.99 - 348.46

12-19 POS Debit- Debit Card 5587 12-18-24 Walgreens #15982 Minneapolis MN 18.22 - 330.24

12-19 POS Debit- Debit Card 5587 12-18-24 University & Lowry Minneapolis MN 20.44 - 309.80

12-19 POS Debit- Debit Card 5587 12-18-24 Uber Help.Uber.Com CA 20.86 - 288.94

12-19 POS Debit- Debit Card 5587 12-18-24 Uber Help.Uber.Com CA 29.85 - 259.09

12-19 POS Debit- Debit Card 5587 12-18-24 Philo Tv Philo.Com CA 30.53 - 228.56

12-19 POS Debit- Debit Card 5587 12-18-24 Uber Help.Uber.Com CA 47.77 - 180.79

12-20 POS Debit- Debit Card 5587 12-18-24 Wendy S 412 Minneapolis MN 21.81 - 158.98

12-23 POS Credit Adjustment 5587 Transaction 12-21-24 Nordstrom Direct # 299.82 458.80

12-23 POS Credit Adjustment 5587 Transaction 12-23-24 Zelle*nathan D Li Visa Direct MN 300.00 758.80

12-23 POS Credit Adjustment 5587 Transaction 12-23-24 Zelle*nathan Lind Visa Direct MN 300.00 1,058.80

12-23 POS Debit- Debit Card 5587 12-20-24 Hy-Vee Robbinsdale Robbinsdale MN 8.64 - 1,050.16

12-23 POS Debit- Debit Card 5587 12-20-24 Dollar Tree Robbinsdale MN 9.50 - 1,040.66

12-24 ATM Fee - Withdrawal 12-24-24 U.S. Bank Minneapolis MN 1.00 - 1,039.66

12-24 ATM Withdrawal 12-24-24 U.S. Bank Minneapolis MN 243.00 - 796.66

12-24 POS Debit- Debit Card 5587 12-23-24 Jpay Stamps 800-5745729 FL 4.00 - 792.66

12-24 POS Debit- Debit Card 5587 12-23-24 Dollar Tree Robbinsdale MN 6.78 - 785.88

12-24 POS Debit- Debit Card 5587 12-23-24 Dollar Tree Robbinsdale MN 12.21 - 773.67

12-24 POS Debit- Debit Card 5587 12-23-24 Michaels Stores 11 Minneapolis MN 16.37 - 757.30

12-24 POS Debit- Debit Card 5587 12-23-24 Sq *c Nature LLC Roseville MN 21.70 - 735.60

12-24 POS Debit - Debit Card 5587 Transaction 12-24-24 Lowry Handy Stop Minneapolis 31.00 - 704.60

12-24 POS Debit- Debit Card 5587 12-23-24 Bath & Body Works Roseville MN 55.11 - 649.49

12-24 POS Debit- Debit Card 5587 12-23-24 Pandora 218124 Roseville MN 190.74 - 458.75

12-26 ATM Fee - Withdrawal 12-25-24 U.S. Bank Minneapolis MN 1.00 - 457.75
 Page 3 of 7

Statement Period
12/19/24 - 01/18/25

Access No. 19519950

Statement of Account
For AYESHA MCKINNEY

e-Checking - 7166843479 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-26 ATM Withdrawal 12-25-24 U.S. Bank Minneapolis MN 203.00 - 254.75

12-26 POS Debit- Debit Card 5587 12-23-24 Auntie Annes Roseville MN 8.12 - 246.63

12-26 POS Debit- Debit Card 5587 12-25-24 Philo Tv Philo.Com CA 9.27 - 237.36

12-26 POS Debit- Debit Card 5587 12-25-24 Uber Help.Uber.Com CA 14.90 - 222.46

12-26 POS Debit- Debit Card 5587 12-23-24 Potato Corner Roseville MN 17.28 - 205.18

12-26 POS Debit- Debit Card 5587 12-24-24 Target Minneapolis MN 18.28 - 186.90

12-26 POS Debit- Debit Card 5587 12-24-24 Uber Help.Uber.Com CA 19.91 - 166.99

12-26 POS Debit- Debit Card 5587 12-25-24 Clark 3669 Minneapolis MN 30.00 - 136.99

12-26 POS Debit- Debit Card 5587 12-24-24 Target Minneapolis MN 54.50 - 82.49

12-27 POS Debit- Debit Card 5587 12-26-24 Apple.Com/Bill 800-275-2273 CA 2.99 - 79.50

12-27 POS Debit- Debit Card 5587 12-27-24 Apple.Com/Bill 866-712-7753 CA 11.98 - 67.52

12-27 POS Debit- Debit Card 5587 12-26-24 Apple.Com/Bill 866-712-7753 CA 14.17 - 53.35

12-30 POS Credit Adjustment 5587 Transaction 12-28-24 Zelle*nathan Lind Visa Direct MN 100.00 153.35

12-30 POS Debit- Debit Card 5587 12-28-24 Fremont Market Minneapolis MN 5.35 - 148.00

12-30 POS Debit- Debit Card 5587 12-28-24 Uber Help.Uber.Com CA 9.93 - 138.07

12-30 POS Debit- Debit Card 5587 12-28-24 Popeyes 11444 Brooklyn Cent MN 13.88 - 124.19

12-30 POS Debit- Debit Card 5587 12-27-24 Jpay Stamps 800-5745729 FL 20.00 - 104.19

12-30 POS Debit- Debit Card 5587 12-28-24 Uber Help.Uber.Com CA 27.28 - 76.91

12-30 POS Debit- Debit Card 5587 12-28-24 Fremont Market Minneapolis MN 38.68 - 38.23

12-30 Returned Item Fee 2100002 29.00 - 9.23

12-31 POS Credit Adjustment 5587 Transaction 12-31-24 Zelle*nathan D Li Visa Direct MN 6,000.00 6,009.23

12-31 Dividend 0.02 6,009.25

01-02 POS Credit Adjustment 5587 Transaction 01-02-25 Zelle*nathan D Li Visa Direct MN 1,000.00 7,009.25

01-02 Deposit - ACH Paid From Tcs Treas 449 Xxsoc Sec 01Afd9 750.00 7,759.25

01-02 ATM Withdrawal 12-31-24 Wings Financial Cu Minneapolis MN 300.00 - 7,459.25

01-02 ATM Withdrawal 12-31-24 Wings Financial Cu Minneapolis MN 600.00 - 6,859.25

01-02 POS Debit- Debit Card 5587 01-01-25 Uber Help.Uber.Com CA 31.29 - 6,827.96

01-02 POS Debit- Debit Card 5587 01-01-25 DD *doordash KFC Doordash.Com CA 38.57 - 6,789.39

01-02 POS Debit- Debit Card 5587 01-01-25 Uber Help.Uber.Com CA 41.66 - 6,747.73

01-02 POS Debit- Debit Card 5587 01-01-25 Zelle*percilla Mo Visa Direct IL 100.00 - 6,647.73

01-02 Transfer To Checking 300.00 - 6,347.73

Lexis E Adams

01-02 Transfer To Checking 450.00 - 5,897.73

Lexis E Adams

01-03 POS Credit Adjustment 5587 Transaction 01-02-25 Apple.Com/Bill 2.41 5,900.14

01-03 ATM Fee - Withdrawal 01-02-25 El Market Mpls Minneapolis MN 1.00 - 5,899.14

01-03 ATM Fee - Withdrawal 01-02-25 El Market Mpls Minneapolis MN 1.00 - 5,898.14

01-03 ATM Withdrawal 01-02-25 El Market Mpls Minneapolis MN 103.00 - 5,795.14

01-03 ATM Withdrawal 01-02-25 El Market Mpls Minneapolis MN 203.00 - 5,592.14

01-03 POS Debit- Debit Card 5587 01-03-25 Uber Help.Uber.Com CA 2.00 - 5,590.14

01-03 POS Debit- Debit Card 5587 01-02-25 E & L Supermarket Minneapolis MN 20.80 - 5,569.34

01-03 POS Debit- Debit Card 5587 01-03-25 Uber Help.Uber.Com CA 26.07 - 5,543.27

01-03 POS Debit- Debit Card 5587 01-03-25 Uber Help.Uber.Com CA 29.22 - 5,514.05

01-03 POS Debit- Debit Card 5587 01-03-25 Uber Help.Uber.Com CA 45.72 - 5,468.33

01-03 POS Debit- Debit Card 5587 01-03-25 Tmobile*prepaid IV 877-778-2106 WA 55.46 - 5,412.87

01-03 POS Debit- Debit Card 5587 01-03-25 G* Goat457#40382 Goat.Com CA 339.73 - 5,073.14

01-03 Paid To - Stash Financial Stash Subs Chk 10310019 9.00 - 5,064.14
 Page 4 of 7

Statement Period
12/19/24 - 01/18/25

Access No. 19519950

Statement of Account
For AYESHA MCKINNEY

e-Checking - 7166843479 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

01-06 POS Credit Adjustment 5587 Transaction 01-03-25 Uber 24.07 5,088.21

01-06 POS Credit Adjustment 5587 Transaction 01-02-25 Sp Her Fantasy Box 92.58 5,180.79

01-06 ATM Fee - Withdrawal 01-05-25 Wells Fargo Ban New Hope MN 1.00 - 5,179.79

01-06 ATM Fee - Withdrawal 01-04-25 Super USA Free Minneapolis MN 1.00 - 5,178.79

01-06 ATM Fee - Withdrawal 01-04-25 Super USA Free Minneapolis MN 1.00 - 5,177.79

01-06 ATM Fee - Inquiry 01-04-25 Super USA Free Minneapolis MN 1.00 - 5,176.79

01-06 ATM Withdrawal 01-04-25 Super USA Free Minneapolis MN 203.50 - 4,973.29

01-06 ATM Withdrawal 01-04-25 Super USA Free Minneapolis MN 203.50 - 4,769.79

01-06 ATM Withdrawal 01-05-25 Wells Fargo Ban New Hope MN 1,003.00 - 3,766.79

01-06 POS Debit- Debit Card 5587 01-04-25 Peacock A43FC Prem 212-6640138 Ny 8.71 - 3,758.08

01-06 POS Debit- Debit Card 5587 01-04-25 Uber Help.Uber.Com CA 13.61 - 3,744.47

01-06 POS Debit- Debit Card 5587 01-05-25 Uber Help.Uber.Com CA 23.22 - 3,721.25

01-06 POS Debit- Debit Card 5587 01-04-25 Uber Help.Uber.Com CA 24.83 - 3,696.42

01-06 POS Debit- Debit Card 5587 01-05-25 Speedway 04375 New Hope MN 26.80 - 3,669.62

01-06 POS Debit- Debit Card 5587 01-05-25 Holiday Stations 0 Burnsville MN 38.35 - 3,631.27

01-06 POS Debit- Debit Card 5587 01-04-25 Sp Her Fantasy Box Httpsherfanta FL 79.84 - 3,551.43

01-06 POS Debit- Debit Card 5587 01-05-25 Sky Zone Edina Minneapolis MN 90.49 - 3,460.94

01-06 POS Debit- Debit Card 5587 01-04-25 Uber Help.Uber.Com CA 92.90 - 3,368.04

01-06 POS Debit- Debit Card 5587 01-04-25 The Home Depot #28 Fridley MN 436.09 - 2,931.95

01-06 Paid To - Stark Agency Preauthpmt Chk 9140859 20.00 - 2,911.95

01-06 Paid To - Comcast Retry Pymt Chk 2100002 73.78 - 2,838.17

01-07 POS Credit Adjustment 5587 Transaction 01-07-25 Zelle*nathan D Li Visa Direct MN 200.00 3,038.17

01-07 ATM Fee - Withdrawal 01-06-25 Wells Fargo Ban Minneapolis MN 1.00 - 3,037.17

01-07 ATM Withdrawal 01-06-25 Wells Fargo Ban Minneapolis MN 1,003.00 - 2,034.17

01-07 POS Debit- Debit Card 5587 01-06-25 Chuck E Cheese 793 Burnsville MN 2.15 - 2,032.02

01-07 POS Debit- Debit Card 5587 01-06-25 Cubs Foods Quarry Minneapolis MN 6.33 - 2,025.69

01-07 POS Debit- Debit Card 5587 01-06-25 Chuck E Cheese 793 Burnsville MN 8.65 - 2,017.04

01-07 POS Debit- Debit Card 5587 01-06-25 Chuck E Cheese 793 Burnsville MN 17.30 - 1,999.74

01-07 POS Debit- Debit Card 5587 01-06-25 Www.Smartcredit.CO 877-372-3895 CA 29.95 - 1,969.79

01-07 POS Debit- Debit Card 5587 01-05-25 Pizza Luce 612-3337359 MN 35.44 - 1,934.35

01-07 POS Debit- Debit Card 5587 01-06-25 Cubs Foods Quarry Minneapolis MN 52.28 - 1,882.07

01-07 POS Debit- Debit Card 5587 01-06-25 Chuck E Cheese 793 Burnsville MN 181.75 - 1,700.32

01-08 POS Debit- Debit Card 5587 01-07-25 Apple.Com/Bill 866-712-7753 CA 13.07 - 1,687.25

01-08 POS Debit- Debit Card 5587 01-07-25 Uber Help.Uber.Com CA 84.77 - 1,602.48

01-09 POS Debit- Debit Card 5587 01-08-25 Uber Help.Uber.Com CA 20.47 - 1,582.01

01-09 POS Debit- Debit Card 5587 01-08-25 DD *doordash Popey Www.Doordash. CA 24.94 - 1,557.07

01-09 POS Debit- Debit Card 5587 01-09-25 Zelle*divine Treat Visa Direct CA 25.00 - 1,532.07

01-09 POS Debit- Debit Card 5587 01-08-25 Amazon Mktpl*z5476 Amzn.Com/Bill WA 65.40 - 1,466.67

01-13 POS Debit- Debit Card 5587 01-10-25 Uber Help.Uber.Com CA 6.65 - 1,460.02

01-13 POS Debit- Debit Card 5587 01-11-25 Uber Help.Uber.Com CA 9.46 - 1,450.56

01-13 POS Debit- Debit Card 5587 01-12-25 Uber Help.Uber.Com CA 11.88 - 1,438.68

01-13 POS Debit- Debit Card 5587 01-11-25 Uber Help.Uber.Com CA 13.58 - 1,425.10

01-13 POS Debit- Debit Card 5587 01-10-25 Uber Help.Uber.Com CA 13.64 - 1,411.46

01-13 POS Debit- Debit Card 5587 01-11-25 Jpay Stamps 800-5745729 FL 20.00 - 1,391.46

01-13 POS Debit- Debit Card 5587 01-11-25 Amazon Mktpl*z53Wj Amzn.Com/Bill WA 34.33 - 1,357.13

01-13 POS Debit- Debit Card 5587 01-11-25 Uber Help.Uber.Com CA 36.00 - 1,321.13

01-13 POS Debit- Debit Card 5587 01-10-25 Jpay Money Transfe 800-5745729 FL 36.95 - 1,284.18

01-13 POS Debit- Debit Card 5587 01-11-25 Zelle*percilla Mo Visa Direct IL 40.00 - 1,244.18

01-13 POS Debit- Debit Card 5587 01-11-25 Zelle*rasheed Cre Visa Direct AZ 50.00 - 1,194.18

01-13 POS Debit- Debit Card 5587 01-11-25 Dtlr3080 Minneapolis MN 100.00 - 1,094.18
 Page 5 of 7

Statement Period
12/19/24 - 01/18/25

Access No. 19519950

Statement of Account
For AYESHA MCKINNEY

e-Checking - 7166843479 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

01-13 POS Debit- Debit Card 5587 01-10-25 G* Goat230#57058 Httpswww.Goat CA 330.84 - 763.34

01-13 POS Debit - Debit Card 5587 Transaction 01-10-25 Cub Foods #1569 Minneapolis

MN 516.95 - 246.39

01-14 POS Debit- Debit Card 5587 01-14-25 Uber Help.Uber.Com CA 9.48 - 236.91

01-15 POS Debit- Debit Card 5587 01-15-25 Uber Eats* Eats Uber.Com CA 1.00 - 235.91

01-15 POS Debit- Debit Card 5587 01-15-25 Uber Help.Uber.Com CA 11.98 - 223.93

01-16 POS Debit- Debit Card 5587 01-15-25 Uber Help.Uber.Com CA 1.00 - 222.93

01-16 POS Debit- Debit Card 5587 01-16-25 Uber *eats Help.Ub 800-5928996 CA 24.37 - 198.56

01-16 POS Debit- Debit Card 5587 01-16-25 Zelle*percilla Mo Visa Direct IL 25.00 - 173.56

01-17 Transfer To Shares 0.95 - 172.61

01-17 Transfer To Shares 28.00 - 144.61

01-17 Paid To - Planet Fit Club Fees Chk 6200001 27.24 - 117.37

01-17 ATM Rebate 10.00 127.37

01-18 Ending Balance 127.37

Average Daily Balance - Current Cycle: $1,583.85

Your account earned $0.02, with an annual percentage yield earned of 0.04%, for the dividend period from 12-01-2024 through 12-30-2024

Items Paid

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

01-03 ACH 9.00 01-03 POS 55.46

01-06 ACH 20.00 01-03 POS 339.73
01-06 ACH 73.78 01-03 POS 2.00
01-17 ACH 27.24 01-03 POS 20.80
12-19 POS 20.86 01-03 POS 26.07
12-19 POS 29.85 01-03 POS 29.22
12-19 POS 30.53 01-06 POS 24.83
12-19 POS 47.77 01-06 POS 26.80
12-19 POS 6.43 01-06 POS 38.35
12-19 POS 7.99 01-06 POS 79.84
12-19 POS 18.22 01-06 POS 90.49
12-19 POS 20.44 01-06 POS 92.90
12-20 POS 21.81 01-06 POS 436.09
12-23 POS 8.64 01-06 POS 8.71
12-23 POS 9.50 01-06 POS 13.61
12-24 POS 21.70 01-06 POS 23.22
12-24 POS 31.00 01-07 POS 6.33
12-24 POS 55.11 01-07 POS 8.65
12-24 POS 190.74 01-07 POS 17.30
12-24 POS 4.00 01-07 POS 29.95
12-24 POS 6.78 01-07 POS 35.44
12-24 POS 12.21 01-07 POS 52.28
12-24 POS 16.37 01-07 POS 181.75
12-26 POS 18.28 01-07 POS 2.15
12-26 POS 19.91 01-08 POS 84.77
12-26 POS 30.00 01-08 POS 13.07
12-26 POS 54.50 01-09 POS 24.94
12-26 POS 8.12 01-09 POS 25.00
12-26 POS 9.27 01-09 POS 65.40
12-26 POS 14.90 01-09 POS 20.47
12-26 POS 17.28 01-13 POS 9.46
12-27 POS 11.98 01-13 POS 11.88
12-27 POS 14.17 01-13 POS 13.58
12-27 POS 2.99 01-13 POS 13.64
12-30 POS 27.28 01-13 POS 20.00
12-30 POS 38.68 01-13 POS 34.33
12-30 POS 5.35 01-13 POS 36.00
12-30 POS 9.93 01-13 POS 36.95
12-30 POS 13.88 01-13 POS 40.00
12-30 POS 20.00 01-13 POS 50.00
01-02 POS 31.29 01-13 POS 100.00
01-02 POS 38.57 01-13 POS 330.84
01-02 POS 41.66 01-13 POS 516.95
01-02 POS 100.00 01-13 POS 6.65
01-03 POS 45.72 01-14 POS 9.48
 Page 6 of 7

Statement Period
12/19/24 - 01/18/25

Access No. 19519950

Statement of Account
For AYESHA MCKINNEY

Items Paid (Continued from previous page)

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

01-15 POS 11.98 01-02 ATMO 300.00

01-15 POS 1.00 01-03 ATMO 203.00
01-16 POS 24.37 01-03 ATMO 103.00
01-16 POS 25.00 01-06 ATMO 1,003.00
01-16 POS 1.00 01-06 ATMO 203.50
12-24 ATMO 243.00 01-06 ATMO 203.50
12-26 ATMO 203.00 01-07 ATMO 1,003.00
01-02 ATMO 600.00

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 - 3193187683

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-19 Beginning Balance 213.46

12-31 Federal Withholding 0.01 - 213.45

12-31 Dividend 0.06 213.51

01-16 Returned Item Fee 5100001 29.00 - 184.51

01-17 Transfer From Checking 0.95 185.46

01-17 Transfer From Checking 28.00 213.46

01-18 Ending Balance 213.46

Your account earned $0.06, with an annual percentage yield earned of 0.27%, for the dividend period from 12-01-2024 through 12-30-2024

Money Market Savings - 3193187691

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

12-19 Beginning Balance 0.00

No Transactions This Period

01-18 Ending Balance 0.00

2024 Year to Date Federal Income Tax Information

SAVINGS DIVIDENDS 0.17

CHECKING DIVIDENDS 0.12 FINANCE CHARGE CHECKING LOC 0.00

FED. TAX WITHHELD-SAVINGS 0.03

FED. TAX WITHHELD-CHECKING 0.01

 Page 7 of 7

Statement Period
12/19/24 - 01/18/25

Access No. 19519950

Statement of Account
For AYESHA MCKINNEY

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.