Page 1 of 4

Statement of Account

Statement Period
01/10/24 - 02/09/24
Access No. 9735265

#BWNLLSV Routing Number: 2560-7497-4

#000000P9W3URV5 2#000AMP90F
DAVID MICHAEL PLUMBING Questions about this Statement?
DAVID MICHAEL Toll-free in the U.S. 1-888-842-6328
1150 N Old US 23 For toll-free numbers when overseas,
Howell, MI 48843 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.
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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 $4,590.49 $107,343.67 $0.02
Checking $102,817.18 $9,116.98
7105906782
Totals $102,817.18 $9,116.98 $4,590.49 $107,343.67 $0.14

Checking
Everyday Checking - 7105906782
Joint Owner(s): NONE
Date Transaction Detail Amount($) Balance($)

01-09 Beginning Balance $102,817.18

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

DAVID MICHAEL DEPOSIT VOUCHER

9735265 (FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)
ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7105906782 Checking

ADDRESS/ORDER
ITEMS ON REVERSE

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100
 Page 2 of 4

Statement Period
01/10/24 - 02/09/24
Access No. 9735265
Statement of Account
For DAVID MICHAEL

Everyday Checking - 7105906782 (Continued from previous page)

Joint Owner(s): NONE
Date Transaction Detail Amount($) Balance($)
01-09 Deposit - ACH Deposit From Jeniffer Johnson 170.00 102,987.18
01-09 POS Credit Adjustment 5683 Transaction 01-09-2024 sqc*c Visa Direct MI 148.22- 102,838.96
01-09 POS Debit- Debit Card 5683 01-09-24 Farmers Market 120.00- 102,718.96
01-09 Paid To - Ford Credit Auto Pymt Chk 2800008 120.00- 102,598.96
01-10 Paid To - Ford Credit Auto Pymt Chk 2800008 200.00- 102,398.96
01-11 POS Credit Adjustment 5683 Transaction 01-11-2024 sqc*c Visa Direct MI 1,000.00- 101,398.96
01-11 POS Debit- Debit Card 5683 01-11-24 Claro Mmp Guaynabo
158.00- 101,240.96
01-12 POS Debit- Debit Card 5683 01-12-24 Aee-Prepa San Juan 520.00- 100,720.96
01-14 Transfer To Shares
Israel E Rosado Mejias 650.50- 100,070.46
01-14 Paid To - Island Finance Payments Chk 2150201 163.30- 99,907.16
01-14 POS Debit- Debit Card 5683 01-14-24 Claro Mmp Guaynabo 175.00- 99,732.16
01-14 Transfer From Shares
270.30- 99,461.86
Israel E Rosado Mejias
100.00- 99,361.86
01-15 Intl Transaction Fee 01-15-24 Paypal *china Base 4029357733
148.25- 99,213.61
01-16 ATM - Withdrawal 01-16-24 Banco Popular Isabela
100.00- 99,113.61
01-16 POS Debit- Debit Card 5683 01-16-24 Aee-Prepa San Juan
01-16 ATM Withdrawal 01-16-24 Aee-Prepa San Juan 370.00 99,483.61
01-17 Deposit - ACH Paid From Danile Jones 125.00- 99,358.61
01-17 POS Debit- Debit Card 5683 01-17-24 Paypal *Asian Bookie 4029357733
01-17 POS Debit- Debit Card 5683 01-17-24 Sxm*siriusxm.Com/A 888-635-5144 Ny 29.98- 99,328.63
01-21 POS Debit- Debit Card 5683 01-21-24 Sxm*siriusxm.Com/A 888-635-5144 Ny 9.48- 99,319.15
01-21 POS Debit- Debit Card 5683 01-21-24 Amazon Prime*j843Q Amzn.Com/Bill MI 14.48- 99,304.67
01-21 POS Debit- Debit Card 5683 01-21-24 Super Saveway No I Aguadilla 29.25- 99,275.42
01-21 POS Debit- Debit Card 5683 01-21-24 sqc*trdd Retrack Supplier 8774174651 MI 119.00- 99,156.42
3,263.49 104,419.91
01-22 Deposit - ACH Deposit From US Foods
9.99- 104,409.92
01-25 POS Debit- Debit Card 5683 01-25-24 Paypal *microsoft 402-935-7733 MI
14.00- 104,395.92
01-25 POS Debit- Debit Card 5683 01-25-24 Xandria Food trq* ttl 09283312 MI
50.00- 104,345.92
01-25 POS Credit Adjustment 5683 Transaction 01-25-2024 hts*m Visa Direct MI
150.00 104,495.92
01-25 POS Credit Adjustment 5683 Transaction 01-25-2024 sql*yt Visa Direct MI
01-25 Direct Deposit - ACH Paid From Imelda Duenas
50.00 104,545.92
25.00- 104,520.92
01-25 POS Debit- Debit Card 5683 01-25-24 Xinfinite yst*tth 028377 MI 27.78-
01-25 POS Debit- Debit Card 5683 01-25-24 Showcase Food Gal 404-283779 MI 27.95- 104,493.14
01-25 POS Debit- Debit Card 5683 01-25-24 Paypal *ebay Ebay. 800-456-3229 MI 10.00- 104,465.19
01-26 POS Debit- Debit Card 5683 Transaction 01-26-2024 Spondivits 824125 MI 1.00- 104,455.19
01-26 ATM Fee - Withdrawal 01-26-23 Banco Popular Aguadilla 104,454.19
01-27 ATM Withdrawal 06-07-23 Banco Popular Aguadilla 500.00- 104,954.19
01-28 POS Debit- Debit Card 5683 01-28-23 Amzn Mktp Us*sp7Z5 Amzn.Com/Bill MI 9.99- 104,944.20
01-29 POS Credit Adjustment 5683 Transaction 01-29-2024 sqm*ttl Visa Direct MI 850.00 105,794.20
01-30 POS Debit- Debit Card 5683 01-30-24 Paypal *microsoft 402-935-7733 MI 44.66- 105,749.54
 Page 3 of 4

Statement Period
01/10/24 - 02/09/24

Statement of Account Access No. 973526565

For DAVID MICHAEL

Everyday Checking - 7105906782 (Continued from previous page)

Joint Owner(s): NONE
Date Transaction Detail Amount($) Balance($)
02-01 POS Debit- Debit Card 5683 02-01-24 Amzn Mktp Us*jr6Gh Amzn.Com/Bill MI 16.49- 105,733.05
02-01 Returned Item Fee 9140968 29.00- 105,704.05
02-02 POS Credit Adjustment 5683 Transaction 02-02-2024 sql*yt Visa Direct MI 70.00- 105,634.05
02-03 Transfer To Credit Card 309.15- 105,324.90
Jebaren Patterson
110.00- 105,214.90
02-04 Transfer To Checking
Israel E Rosado Mejias 105,112.40
102.50-
02-05 Paid To - Citi Autopay Retry Pymt Chk 9140968 108,375.89
3,263.49
02-07 Deposit - ACH Deposit From US 08-24 Aaa San Juan
192.22- 108,183.67
02-08 Paid To - Ford Credit Auto Pymt Chk 2800008
420.00- 107,763.67
02-09 Paid To - Ford Credit Auto Pymt Chk 2800008
420.00- 107,343.67
02-09 Ending Balance
107,343.67
Average Daily Balance - Current Cycle: $96,617.84

Items Paid
 Page 4 of 4

Statement Period
01/10/24 - 02/09/24

Statement of Account Access No. 973526565

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

Total Returned Item Fee(s) $58.00 $319.00

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

2023 Year to Date Federal Income Tax Information

SAVINGS DIVIDENDS 0.00
CHECKING DIVIDENDS 0.63 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.

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