Page 1 of 5

Statement of Account

Statement Period
02/19/24 - 03/18/24

Access No. 14480551

#BWNLLSV
Routing Number: 2560-7497-4

#000000Q4T8PUU1A9#000MMA90F
BOBBY R PHENGSAVATH Questions about this Statement?

2043 RIDGE VIEW DR Toll-free in the U.S. 1-888-842-6328

SAN DIEGO CA 92105-5237 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.

2024 Annual Meeting

Navy Federal's Annual Meeting is scheduled for Wednesday, April 24 at 6 pm ET. The meeting
will be held virtually and in person at Navy Federal Headquarters in Vienna, VA. Registration is
available on a first-come, first-served basis. Due to space and system limitations, attendance 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
7106351153 $5,734.53 $7,347.56 $12,355.35 $726.74 $0.04

Membership Savings
3129593756 $5.27 $0.00 $0.00 $5.27 $0.27

Totals $5,739.80 $7,347.56 $12,355.35 $732.01 $0.31

REMITTANCE RECEIVED AFTER STATEMENT PERIOD WILL APPEAR ON YOUR NEXT STATEMENT

BOBBY R PHENGSAVATH
DEPOSIT VOUCHER
(FOR MAIL USE ONLY. DO NOT SEND CASH THROUGH THE MAIL
14480551
DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL)

ACCOUNT NUMBER ACCOUNT TYPE AMOUNT ENCLOSED

MARK "X" TO CHANGE 7106351153 Checking

ADDRESS/ORDER

ITEMS ON REVERSE
3129593756 Savings

NFCU
PO BOX 3100
TOTAL
MERRIFIELD VA 22119-3100

405710635115331295937560000000000000000000000000000005
 Page 2 of 5

Statement Period
02/19/24 - 03/18/24

Access No. 14480551

Statement of Account
For BOBBY R PHENGSAVATH

Checking

EveryDay Checking - 7106351153

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

02-19 Beginning Balance 5,734.53

02-20 POS Debit- Debit Card 8789 02-18-24 Equifax Consumer 866-640-2273 GA 4.95 - 5,729.58

02-20 POS Debit- Debit Card 8789 02-18-24 Tsugitrades Watchl Tsugitrades.C AK 45.00 - 5,684.58

02-20 POS Debit- Debit Card 8789 02-19-24 Zelle*marlow Hous Visa Direct AZ 50.00 - 5,634.58

02-20 POS Debit- Debit Card 8789 02-17-24 Access Secure Depo 866-345-1884 MO 237.95 - 5,396.63

02-20 POS Debit- Debit Card 8789 02-17-24 SD Sheriff Commiss 619-661-2860 CA 339.11 - 5,057.52

02-20 POS Debit- Debit Card 8789 02-18-24 Zelle*nadine Nguy Visa Direct CA 900.00 - 4,157.52

02-20 Transfer To Checking 200.00 - 3,957.52

Gifted Greatness LLC

02-20 Paid To - Discover E-Payment Chk 9100001 35.00 - 3,922.52

02-20 Paid To - Amex Epayment ACH Pmt Chk 9100001 40.00 - 3,882.52

02-20 Paid To - Amex Epayment ACH Pmt Chk 9100001 40.00 - 3,842.52

02-21 POS Credit Adjustment 8789 Transaction 02-20-24 SD Sheriff Commiss 339.11 4,181.63

02-21 POS Debit- Debit Card 8789 02-20-24 SD Sheriff Commiss 619-661-2860 CA 225.16 - 3,956.47

02-21 Paid To - Credit Strong Cstr Paymt Chk 11499403 49.50 - 3,906.97

02-22 POS Credit Adjustment 8789 Transaction 02-21-24 SD Sheriff Commiss 225.16 4,132.13

02-22 POS Credit Adjustment 8789 Transaction 02-22-24 Zelle*angela R Gi Visa Direct AZ 250.00 4,382.13

02-22 POS Credit Adjustment 8789 Transaction 02-22-24 Zelle*danna R Fej Visa Direct AZ 432.00 4,814.13

02-22 POS Debit- Debit Card 8789 02-22-24 Capitalflow.App Su Httpscapitalf VA 17.50 - 4,796.63

02-22 POS Debit- Debit Card 8789 02-22-24 Patreon* Membershi Internet CA 20.00 - 4,776.63

02-23 Deposit - ACH Paid From Webull Ffa2Slszc Payments 022324 2,748.13 7,524.76

02-23 POS Debit- Debit Card 8789 02-23-24 Venmo *lamont Ada Visa Direct Ny 200.00 - 7,324.76

02-23 POS Debit- Debit Card 8789 02-23-24 Zelle*krista Smit Visa Direct AZ 250.00 - 7,074.76

02-23 POS Debit- Debit Card 8789 02-23-24 Zelle*krista Smit Visa Direct AZ 250.00 - 6,824.76

02-23 POS Debit- Debit Card 8789 02-22-24 Zelle*christina A Visa Direct AZ 350.00 - 6,474.76

02-23 Transfer To Checking 1,663.00 - 4,811.76

 Page 3 of 5

Statement Period
02/19/24 - 03/18/24

Access No. 14480551

Statement of Account
For BOBBY R PHENGSAVATH

EveryDay Checking - 7106351153 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

Kevin Cruz

02-23 Paid To - Venmo Repayment Chk 9100001 1,000.00 - 3,811.76

02-23 Paid To - Venmo Repayment Chk 9100001 1,000.00 - 2,811.76

02-26 POS Debit- Debit Card 8789 02-23-24 SD Sheriff Commiss 619-661-2860 CA 3.25 - 2,808.51

02-26 POS Debit- Debit Card 8789 02-25-24 Vesta *at&t Prepa 866-608-3007 OR 51.50 - 2,757.01

02-26 POS Debit- Debit Card 8789 02-23-24 SD Sheriff Inmate 619-661-2860 CA 100.00 - 2,657.01

02-26 POS Debit- Debit Card 8789 02-26-24 1-800-Flowers.Com, 800-468-1141 Ny 109.87 - 2,547.14

02-26 POS Debit- Debit Card 8789 02-23-24 SD Sheriff Commiss 619-661-2860 CA 123.20 - 2,423.94

02-27 Transfer From Checking 500.00 2,923.94

Darlin A Yon

02-27 POS Debit- Debit Card 8789 02-27-24 Zelle*krista Smit Visa Direct AZ 200.00 - 2,723.94

02-27 POS Debit- Debit Card 8789 02-25-24 Walkenhorsts 775-3934000 NV 499.05 - 2,224.89

02-28 Transfer To Checking 160.00 - 2,064.89

D'Anna B Fejarang

02-28 Paid To - Capital One Mobile Pmt Chk 5607361 28.00 - 2,036.89

02-29 Deposit - ACH Paid From Webull Fxnwc5Dww Payments 022924 1,319.59 3,356.48

02-29 Transfer From Checking 160.00 3,516.48

D'Anna B Fejarang

02-29 Transfer To Credit Card 169.64 - 3,346.84

Bobby R Phengsavath

02-29 Dividend 0.02 3,346.86

03-01 Transfer To Checking 75.00 - 3,271.86

Darlin A Yon

03-01 Transfer To Checking 100.00 - 3,171.86

Kevin Cruz

03-01 Paid To - Digital Federal Loan Pmt Chk 21139182 33.00 - 3,138.86

03-04 POS Debit- Debit Card 8789 03-03-24 Tsugitrades LLC Tsugitrades.C AK 250.00 - 2,888.86

03-05 POS Debit- Debit Card 8789 03-04-24 Google *textme 855-836-3987 CA 10.49 - 2,878.37

03-05 POS Debit- Debit Card 8789 03-04-24 Vesta *at&t Prepa 866-608-3007 OR 51.50 - 2,826.87

03-05 Paid To - Capital One Crcardpmt Chk 5607361 28.00 - 2,798.87

03-06 POS Credit Adjustment 8789 Transaction 03-05-24 Walkenhorsts 23.40 2,822.27

03-06 POS Debit- Debit Card 8789 03-05-24 Anytime Mailbox Httpswww.Anyt NV 9.99 - 2,812.28

03-06 POS Debit- Debit Card 8789 03-05-24 Www.Zenbusiness.CO Httpswww.Zenb TX 30.00 - 2,782.28

03-07 POS Debit- Debit Card 8789 03-07-24 Ipostalrenewal Ipostal1.Com Ny 9.99 - 2,772.29

03-07 POS Debit- Debit Card 8789 03-07-24 Verizon*digital Ch 800-922-0204 FL 63.08 - 2,709.21

03-07 POS Debit- Debit Card 8789 03-07-24 Venmo *kimberly F Visa Direct Ny 300.00 - 2,409.21

03-11 Deposit - ACH Paid From Venmo Cashout 01Afd5 1,350.15 3,759.36

03-11 POS Debit- Debit Card 8789 03-09-24 Nike.Com 800-8066453 CA 140.08 - 3,619.28

03-11 POS Debit- Debit Card 8789 03-11-24 Nike.Com 800-8066453 CA 280.16 - 3,339.12

03-11 Transfer To Checking 110.00 - 3,229.12

D'Anna B Fejarang

03-11 Transfer To Loan 1,349.09 - 1,880.03

Bobby R Phengsavath

03-15 POS Debit- Debit Card 8789 03-15-24 Impact Discord Sub Httpswhop.Com VA 25.00 - 1,855.03

03-18 POS Debit- Debit Card 8789 03-18-24 Equifax Consumer 866-640-2273 GA 4.95 - 1,850.08

03-18 POS Debit- Debit Card 8789 03-15-24 Apple.Com/Bill 866-712-7753 CA 10.99 - 1,839.09

03-18 POS Debit- Debit Card 8789 03-16-24 Optionstra* Trial Httpsoptionst Ny 59.99 - 1,779.10

03-18 POS Debit- Debit Card 8789 03-18-24 Tiktok Shop Culver City CA 64.87 - 1,714.23

03-18 POS Debit- Debit Card 8789 03-16-24 Zelle*krista Smit Visa Direct AZ 200.00 - 1,514.23
 Page 4 of 5

Statement Period
02/19/24 - 03/18/24

Access No. 14480551

Statement of Account
For BOBBY R PHENGSAVATH

EveryDay Checking - 7106351153 (Continued from previous page)

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

03-18 POS Debit- Debit Card 8789 03-16-24 Walkenhorsts 775-3934000 NV 300.30 - 1,213.93

03-18 Transfer To Credit Card 87.19 - 1,126.74

Bobby R Phengsavath

03-18 Transfer To Checking 100.00 - 1,026.74

Kevin Cruz

03-18 Transfer To Checking 300.00 - 726.74

Gifted Greatness LLC

03-18 Ending Balance 726.74

Average Daily Balance - Current Cycle: $2,691.85

Your account earned $0.02, with an annual percentage yield earned of 0.01%, for the dividend period from 02-01-2024 through 02-29-2024

Items Paid

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

02-20 ACH 35.00 02-26 POS 123.20

02-20 ACH 40.00 02-26 POS 3.25
02-20 ACH 40.00 02-26 POS 51.50
02-21 ACH 49.50 02-26 POS 100.00
02-23 ACH 1,000.00 02-27 POS 499.05
02-23 ACH 1,000.00 02-27 POS 200.00
02-28 ACH 28.00 03-04 POS 250.00
03-01 ACH 33.00 03-05 POS 51.50
03-05 ACH 28.00 03-05 POS 10.49
02-20 POS 237.95 03-06 POS 9.99
02-20 POS 339.11 03-06 POS 30.00
02-20 POS 900.00 03-07 POS 9.99
02-20 POS 4.95 03-07 POS 63.08
02-20 POS 45.00 03-07 POS 300.00
02-20 POS 50.00 03-11 POS 140.08
02-21 POS 225.16 03-11 POS 280.16
02-22 POS 20.00 03-15 POS 25.00
02-22 POS 17.50 03-18 POS 4.95
02-23 POS 250.00 03-18 POS 10.99
02-23 POS 250.00 03-18 POS 59.99
02-23 POS 350.00 03-18 POS 64.87
02-23 POS 200.00 03-18 POS 200.00
02-26 POS 109.87 03-18 POS 300.30

Savings

Membership Savings - 3129593756

Joint Owner(s): NONE

Date Transaction Detail Amount($) Balance($)

02-19 Beginning Balance 5.27

No Transactions This Period

03-18 Ending Balance 5.27

2023 Year to Date Federal Income Tax Information

SAVINGS DIVIDENDS 5.70

CHECKING DIVIDENDS 0.29 FINANCE CHARGE CHECKING LOC 0.00

 Page 5 of 5

Statement Period
02/19/24 - 03/18/24

Access No. 14480551

Statement of Account
For BOBBY R PHENGSAVATH

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.