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Wrong derek of Mero Capon he (© 2021 Navy Federal NFCU ST (6-21) Important Disclosures for Your Navy Federal Accounts NAVY FEDERAL CREDIT UNION IMPORTANT DISCLOSURES Mombership/Savings/Checking Disclosure Statement Membership Upon vettcaten felt atoning Submision oa completes member eppleaton and acceptance for membership by he ‘arbor fice, nd upon purchase ofat as ane stare ($5), Membership Savings Accourt wil be established in your name Insesting tht you ae & momber-wner of Navy Federal Crest Unen (Navy Federal). Marmership at Nay Feral coras wit corn ‘ongoing resporsibves, By sgning you orginal marterhip apsleaton, you and your wna), fay, gre onda byte prope sclosod ems and canons ofl acaunts or srviows tat you may receve at Nav Fodeal. You also ares ksap Naty Fedaal intrmos of your currant mang adeross. Tho terms and cantons of tess accours and serve aro sujet change wrest mac fo You, unless pro aiteaton is eautoa bylaw. ‘balance oft lest ane share (5) raquo oesiabtes and mana memberp. The balance in your Merberhip Sings Account ‘rust rat be reduced boon th vi of ob are (5) aay vn tne. you Membership Sang Account matansabslines ess than a shar (85) fr 180 const days, the Momborship Savings Account may bo dasa tory leintng your morborshi. To pwolet your membe-owner ate, we yt acces fo oi ial share ($5), Yu wl be cnaiered an acve Member Navy Federal long as you nave 2 Membershp Savings Aerour bance of 80 or ore have a Membership Savings Account balance ofS or mare as & checang account a Monay Marka Savings Account (MMSA), 2 cortcso, an Indiual Reemert Account a cre card account an ‘tonal savings acaunt or acuont consume ban o motgage accou: or havea Menbershp Savings Accourtbalanco of 5 or mors Sha area Member under the age of 24. you donot meet one ofthe above citar, you wil be canedeea an acne Mamoer ad may be Sujet oa quarry active Member Foe te amount soa on Navy Fer cirnt Sched of Fees and Charges. Ths fo wilde assessed ul you atone oft eal sed above or the Membership Savings Acount dosed, ery Leming Your manbarsh. (Once ns happens you mut bein Navy Fedora eld f membership oreapen the acount, ‘savings socoun may not be used fr conmercal a business purpoees Restriction of Services Navy Feral may rst or suspond ecoss bya Member to any ea products or series excapthe basic ras of Mame vets in srmual and special mectage ard masta ashate secu, fa Member engages in conduct hat abv ote ced unen arts ‘membership. This conduct ncldes, buts notte actor that abuse te products or saves of the cdl union; abu reateing behavior and suapcus, aude, legal, inane of deceptve acts, Resins or augpenlons secant, produc, nor servis willbe reason robe othe rar ofthe Mambar's end. This pal wil sso ply onl owes ae thar20d Utes of scans, produ, and eroes When a Maribel delhguen on oa 2 Mas cauted Navy Fedral alas, Navy Federal mayFoderal ac cause Navy Federal urna loss. Psuan2 Navy Federals bylaws and the Federal Cred Union Act, Mambers may be ‘ipod 32 spacal meting ela forthe purpose of expeling toes Member, ‘Yow ecoss to any senveesdeserbesNecn or erwie fre a you may Be Inte dua oslo outages, et, baces, suspected frau or legal cv te exten alles by awn oer onan orto secur: perfermance io ei sysome Thee are many ressone we may deine or pevertransactons oot am your ceaurt but ganeclly we do tao potact youu. and our rmarborhip as a wha, oro comply wth og requirenens. Wo ray dec proven ary or al vansactos to or fom your account: We oy refuse, teze, reverse, o by any spect wiheranalpsymert, ” Varta fans oor om your acount or we may remove ures ‘rom your scent oho them pening mvesignons, lng hone or more af the follwing cestanes + Your secourtis involved in any gal or administrative preceding + We receive contcng ifomaton orinsustors regarding account onnersnp, cor, o sey, + We suspect nat you may bethe Vet ofa aud, sem, of Mnencll exptaton even taugh you have aunotzed he transects) + We suspect shat any ansacton may invlve Mega actu or may be raudent + Weare camping wth any federal sate of ozalaw, le, o regulation, clang federal eset contol and sanction rules an anraney Inunderng rls, or with polices adopted to au tha we comply wih Wate ws, ees, o regulations or + Wereasonbiy balava hat doing sols racettary ta avid a os of reduce Hak ous, you of he membersip aba whol te suspect auto ilega acy we may, eau escreton,vanser your existing account replacement secount wth @ new acount bis apreement wl canine lo apply, wahout ett, af you retained the dscotned account rub. [contacting You Vie Your CellPhone Number or Emal Address You must provid us @poone number and an smal address to dscuss your socounts wh us. you prove aco phane number, Navy purposes. Yue granting Naw Fedora prmsson to place aulsmatd,porcoréed or arilcaoiesnonmarkstng calls and ox! resanges'o that number Meseging an dea rales om your sarar my app Yu ate a promplynaty wif your cana inlermaton eranges. ist navyfederal.org for mora nfomaton you prod an omallacoss, Navy Federal has your permission o tend you ama massages sing an automate orang system fo omer or aneactonal purposes, dents mphirartain of tamale isk cortl mechanisms of may conte euthorbes wen sspicous Secu acy of Wambo saci. events cout services oftered SMS purpose of Service Frequency of No. Mossages Free na User rofcaons ales you about scrote kot eadtcars—— esage rat frequency vais Catecen see) duane nme nn namceteceepieses, eas Informations Alerts (98227 Receive informational messages about Navy Federal Message feqercy ates Alerts: 40554 secount hance alerts or deposit onfrmation als frequency varios: sesan Notte red aroun tis pte, nen, uted a, Message ‘pletion rd apoinnat tes tegen aes scanty ees rary Fito Ené Use rotate to ae ou sai pone ak tau ently Message Seounty theft andor account secunty Frequency varies onvenardAwre rata Reivelforsnyunaeeqlesad is nance uxtmeesgeonyou" One par noble pare reget Nets on your mobil pone rogues vou ave qusstors nut mobl or or mestagesrolsog othe Senos ed nave, you Ty HELP" tothe applicable SMS Short Code or all us tol-re at 1-88-042.5328, To top reeabing txt messages fr ay of he above Services on your phone, text"STOP" to the applicable SMS Short Code. Wvslets service powders and weelse caries ae notable or ctayed or undetvered messap65, Required IRS and Bank Secrecy Act (85A) information Federal iow reques each civdua becoming & Member oconty unser penaty of pau atthe Texpeyerlantestion Number (IN) is usvaly your Social Sscury Number. The temal Ravenue Serve doesnot require your consent a any proven ofthis document torthan te cerfiations requ for Sackpwiihalsng. Fire to prove vad TIN ano corpse an sgn amare appleton canting your Sci Securty Number otc puposo could rst in backup wiheling bang apples w al your mares earnings (orcende) at Navy Federal. you are not aU, even or U.S resent alan, you mst ample 8 Form W-BBEN verying notesgont Inadton,n compan withthe Curency and Feel Transaction At, also known asthe Bark Secrecy Act (3A), he US. goverment om requires tat we sak you to supaly crn naman out your egloyan and oer source fname, Dividends Dividonds ar a dision and astrouton of earings arong Members, ft: a expenses have been pal andthe requres amu has boon seal or reserves, Duden aos ate decked prospectval bythe Board of Decors in the mont preceding te dlvdens peed. These Prospective dvdnd eas may crango a the determination the Boar. Navy Feralas provides he AruelPocoriage Vl (APY) or 80h died ae declared by the Board. Payment all dvidenas is dopendent one aval of erigs ae end fhe paid. Dividend at Navy Feel re eared on sepsis, cing non-cash deposts, ram yo poo dayofithrawa (Medi Deposits 09 hecing, savings, and MGA acounl are eamed rom he day of acceptance of te Mable Depo) andar camped us the daly batinca matod by aping the daily pero rat th flaunt inthe account lhe ero the ay. Oia foresee a checking acco, whe aplabl, fe cede he las da af he period ay resumed a we compowrded mony. The dviend sds manh—for exarrle te bogrning eof he est dvr peo of tocar yas an, athe ang date of sch Aged series Jan. 31. Al other ewiand pods fllw ts same pata of ats. Curent Rates and Fees Curent rales may be obtained ontne a navytederal.org by cling Navy Federal lle inin the US. a 1-888-862-2328. orale umber when verses, it navtederal.og, Use 1703-25 6837 fr clot neato avs, Fees ahd charg al may be aesssed se ealoted on Navy Fedral eaten Schedule of Fees and Chagos. ‘Your shares a Navy Feral ao federal ineued, Share auranoe coveraga provided by tha Nana Crest Union Aainraton (NCUA) sr rsapendent govermrant gency tat hater, regula. arnaures federal ret unions. You shates are Backed by rss fnartl sanding, The insurance polacts Members apanst ssi federal est uni fal Indu accours ae msued fr uso 5250 00 fr combined balance n your savings, checking, shat eles ard MMSAS doit accounts aerated fr up o $250 00 for ‘20h oh owner ante cout. The mst sate Insurance coverage ay Membe! can Nave a5 es oat wnereip is $250,000, regardless of he number oi sccounis hoo se co-owns “he combines balances in your Tractonal, Simpfes Employee Pasion SEP), ané Roth RA plas are insted separa fom your aher Navy Feral aceouris for pt $250,000. Edveatonal Saungs Accounts (ESAs) 8 nsced separately om your oer Naty Federal eecouts for pt $250,000, Payaele on Death (POD) aecouis are insured separtly om your oar Navy Federel accounts. Each owners Insure for upto $250,000, pe bent. Depos Tas Acounl af nue separately Wor you thes Navy Federal accounts. Each gant insured er p to §250 00 por borain. For more omatonsbaul NCUA shire nsrarc, plata 208 he sivanee on Your Savings brochure (NFCU ‘ee, Joint Ownership Account oponing scosures, chango in terms note, anual ero resolution notice, pero satan, preauhorized raster nos, and overran aptin nates canbe proved to each awn af he accent Ifyou Sesgats aot owner onary depos accounts), tea ‘unequally by you an ha int ower Joi ownership means tha he shares and acu vende may wih 9° ‘anata by you or theo mar pledged en colateal ages a aby you or at cuner Merb) a any teva Navy Fda it note fr caning ou ary ofthese requested stone. pnt owner canna be removed roman aecaunt wihouhiher writen persion. Like you, ait owner may cle he jin acount, provided iis na he Wambetsip Savings Acsunt nl oar degnation oes not rant membership n Nav Feral. Nor-emisers may be designated a int owner bythe account owner. Nove ain Cwers ae granted owners rghs and acces to uns ine cesgnated member account) equal oto omer of he account. Ne ‘abe it er may nol have acess oll member sevens. Survivorship ‘he ‘suviversp designation on te Membership Savings Account applet al ter ln accounts wih te samejolt ewer, ress sperialy designated othecwine for partulraccaont ona sopra applzation soit Accounts Suvari designates, on be {ea ofan onner fhe accom, he deceased oanar’s sharin te orount pass to te srvvng owner oft acount "Jor Accout= No Survivcrahip i esionaad on he death of an sana ofthe acou, the decease ous shares nthe account past a8 par one deceased ours ote, ero Balance Accounts (Checking acount, savings accounts ober than 8 Membership Savings Accu, end MMA may close ale 18D consecutive days a @ 2a balace, Shae Cerifistes and Indu Retirement Atangement (RA) Ceecales wil gonwally close wea 30 aaysi the balances ro RA Savings Accounts andIRA MMSAs may doce afer 0 cowecuve days ala 200 bance Savings Tansfers and Withdrawals ‘You may restr andlor wendraw funds rm your savings acount as oan a you want Navy Federal sha have te raht at any Une. 2 rege yuo go, in ring, at more an aD days nae of tension a wth or bara the whol ay par te ands yout soungs account. Order of Transactions Novy Federal poss toms presented on you account in the ellowing err at money coming in (ced, depos, te) ATM weharawas, deo card vaneactns alo called Point of Sle (POS) Automates Clesrng Hove (ACH) debs: ana check writen, When mor than one Wansaeion processed tom a group of vansactors, the ars wile poste ee ode oflowest a hghest rount wih ha group of ‘chacking Account We may dey opening a checking sacount you have had any previous checking accounts closed for urssactory reasons. A petsorl hoceng account may rot be used or comma or business purposes. Shas iho checking account may not 9 pledged as caatoralon fsnyloan Allnon-cash sare purchases payments made oe checing Scout Wl be cedtes sujet o al paymant of he epostedtoms). Navy Fader! encourages you to ea sue or lack new wring checks, Ine oped at checks maybe se to wihaw funds fom Ds checking account 8y requesting a checking acount, ou autre Navy Fadel pay checks signed by you othe ant owner (any) ef ths account a o charge th payants agar the checking acount You sta dlacarge Navy Fader rom ay laity for earn auton request actons, Tha ight or autory of Navy Federal under bie ‘egreoment shat at be change otrminets by you excopt 9 writen nie to Navy Feel whch shallot aetWarsectonepevously made. Each nego check wil e charges tthe checong acount of he date recap by Navy Federal Navy Federal nat be response for eck hat ne pall if hy read bala he dle ofthe nsrument Navy Federal under no oblgtn o pay oF ‘else payment ofa check an which Bedale mare han simone Nay Fede authored to rfute checks el exced ins ral inthe eheckng acco, Each ime we efi achac foros ns, wo wil asoss& Non Suffer Funds (NSF fosin the ‘rount shown on Ney Fowarals cent Schedule of Fees and Charge fo each rete chock A fanalinstuion where you dopo 2 heck ora paves, ray resat th check Navy Feder even we have andy refuod the check nsf fines the checking seeount Ite resume check again exceeds te fonds valle nthe checking account, Navy Feral apa wl ete the check. resuting in an adonal NSF feo. Thus, you ray be charged mute NSF feos in conneston wih asngleeneck at has bee reso for Instant unés mut ines “he oaner an ant owner (any may rquest thet payment a check steppes by prodng nofcatono Navy Feral. A fe wl be stecead in ne aman shown on Navy Federals cent Schedule of Fees and Charges fr sach slop payment request, When we process & oppymenl request, you wihal Navy Federal harness rom all ders and demande resting rom hereto honor the check. Tis rears that eimbusorent or damages, ots, rd expres eed blo aatghed bacause othe ffusallo hae! te chack wl be our resprsiblty. The owner and jain cwner (any) ray request copies of pal checks. fee maybe assessed as proved on Navy Frederats cuet Schad of Foes and Chagos or ch heck ray. Inerdrt stop payment on avtometed payments schaduled rough our checking account savings account, o Geb card, you must contact Navy Fedora wis phone or ring a the ante infra provides he endo! i green and lor. Navy Feral may retum debi (e., ACH payments submits for ayant spans! te checking acouttthe emu of he eb exceeds the fad vate inthe chocing account Each tine we ati deb fr inaien und, we lasses a NSF fe n he amour shown lon Navy Federals curent Schedule o aoe and Charges fr eoch returned debi em, Tho erly ta subrated the debt may sural snob ‘eto Navy Fora ven # we have aka returned the prior debt fret an nthe checking accor te ested det span excceds te funds avalale the checking acount, Naty Fedael agen wil fe he del esung ea eddnal NSF fee Tus, yourraybe charged muliple NSF fees in connection wah angle de tat hs boon lured fo inuicien ad mlipe bras. Navy Feral maya sooo, pay a Navy Federal Debt Care vansacton hat exceeds he balance Inthe checng acount by vanstering the amount of be relteg ove om you savings account. You will els respenslo forthe aroun of ary Navy Fedorl Dab Ca ‘ransacton tht cannot ba paid auf your eheckng account or ne eed or ough te Optional Overdaroteaton Seria (OOPS). A Navy Feral monibsrsip acount gorerall ches ono or more savings svbacounts ane oreo more check subacceuns Prodaly, we may wane fund etwoona checking subeceoun anda savings subaccout for account management purposes, ‘verdrat Savings Transtors ‘bn Oversea Savings Tanstris a seve tht aslo nds to charge oyu, om alinked share savings account o your checking ‘sccount hen her re neta or onavalable fins mn vour checking eecout, Your Shars Savings Moco eld to your eheoing account rae ules you decline Over Savings Trans: covrane. Only one savings acount or enecsing aczourt can be set vp as linked account, An ESA not ibe tobe ainked savings account Ifyou wih to geagnae a tarat savings account for vera ‘Sevings Trasfr, you may call Navy Federal ol 20842-6328 a iit» Navy Federal bane your eecking secount does nat have sult undo 2ay check or ACH auharzaton, or a previously auorzed debi card ina fale aneacon ha pons oyour checking seco Navy Fedral may ane fun om yournked savings aeaunl 9 py fhe Wansaeion Ft examote, assume yourchachingaccounl has a balance a $50 an your Inked savings account ha a balance $50! you ruhonze 2 $100 check r ACH waneacton, he Overt Sang Transfer wil move $0 om yor nkeseavngs account fo yur emecking {Secourta pay te ransacton ine chacking and Inked sevnge account do nethave sitet unde o cover tefl amount tha check [ACH tanaactor, Navy Federal may retin he rareacton ard assess non-vcent Kinde (NSF) feo yout eeckingaerounaeoaaled Inte Sonedle of Fees and Charges Debitcaut point ota transactions wit net be authorized fer payment your checking acount das not have sufilent funds avstabe > ay forthe al amount of te Wansacton at he ine the merchant requests auortin fr paynent om Naty Foseal. For exams, assur you checking account has alan of 80 and your inked savings account has a balance of 50 you atta $109 det card pontat-taleanaectn, be vansacion wil be dednes Bacaise you donot have suet unde you choca account o covet Bel mint of he Paneacon, Funds you savings account wil nat email arse to your chokg cco to ever a debi eed pint Ityour hacking secon became overscan du to @ cack, ACH, orbit card ponttaale ransacton posing fo your acount, and finds se avallein your savings account), Nay Fedora wil ner land from your aoc) 6 reduc lina the oversaw Sau 25 parmites bylaw. you are ence in Optional Overdrat Protection Service (OOPS) you ar rca n OOPS and your checking acount dos ol hava util funds to over a check or ACH waneacton, Navy Fadl wil feet temp! pay fhe wansacon stro charge Using be Overt Savings Tartar before ung OOPS. the checking ecm. kod saungs accor, and OOPS 6 nat have sue fun a cove the ul amour he cack or ACH ransacten, Navy Federal may ram the raneacton an asses an NSF foo your checking account a dla ne Schedule of Foes and Charges your hacking secoun became ovearawn dus to @ check, ACH, or debit card pot tae ransacton posing to our account, Navy Fodor! wl fret or the Overarat Savings Tansor i rede olin the overrmum aroun before eng OOPS ltyou have a Checking Line of Credit (CLOC) IFyou nave CLOG and yur enecong account does nathave stilt funds to cover a check a ACH wansacton, Navy Federal wi fret sero tay fo he Wansacton by severing cet your CLOG neler using the Overeral Savings Tans: your checking accu, {CL06, and inka savings account do rathavesilfient ings andere caver the flaunt fa chock a ACH taneacon, Navy Federal may eum th taneacton and sass an NSF oe o your checking aocount ae Geta inthe Schad of Fees and Changes. your oheckng account becomes overscan duo to @ chock, ACK, oF debit card potas transacton posing to your account Navy Federal wl fret atmo pay the ovrsraun aunty asvarcng eed fom you CLOC Baar veng the Oversea Savings Traetorlo reauoe or ebnnatOptional Overdraft Protection Service Coptonl Ova Proton Service (OOP) seni ta swe us oy checks, POS Debi Card rnstcon, ATM witdraa, ‘AGH wanssctons soserod agan your checking account when you donot hava enough money aval your acount cover he ‘ransacis). You rut be a least 18 years of ge and « Member fox 80 day to qual forte ser, You slo mut ave no delguencie olga rors aginst you Navy Faderal accounts nade aly Members may not hav bth Checking Line of Cred as OOPS on the ame account. Members may eval up oo pray checking aeons in OOPS. Standard Practices and Fes: 12 We wl carpe fee $20 each ive we pay an overda. ». You wi note charged a ee on ansectons of $6 oss. You wif ntbe charges a fa # the aunt you ae overzawn afer al arsactons hav cleared or postad afr the ono he business ay sless nan S15 46. You can only be assesses one overrafee per day pr acrour (00° is tinted ann avalale up o $500. Yur account may bacoma overran excess fhe $500 mi du lo fe, Up to $50 foo maybe ade tothe Imi. The $500 Int nudes the amount of evertravn ems, OOPS fee, ane ary cterransactons tat esl in rerraning Your acco, such ae feted depois another foes desosbed in ot Schedule of Foes and Charges (NFCU 70430). Eweoling in OOPS doesnot garatse hat we wil pay overeat, Navy Federal pays overras a ou Beton. we donot pay an reer, your tansacion willbe dened andr yur checIACH wil be aired, snp. Navy Fede Crest Unan reserves the ight revoke OOPS pvlages, pemaneniy cr tmporaly, tay ia an to deny the payment ot any treneactons wihov por nian, Ifyou are erobed in OOPS an your checking acount des ol have sficin fund lo ever a cheek oc ACH waneacton, Navy Federal wil fretaltempt to pay forthe ansacon sno charge using be Overat Saving Transl, provided Wnaseuticent undsavale, belre sing OOS. yurenacong acct becomes overt duno check, ACH, or debit car pono ranaacon posts your scenun, Navy Pedra wil fst use the OvervaftSavinge Transeo educa lina the avrrawn aur ware ung OOPS. To {etrmine whether a wansacion may cause an overaf,ismport to understand tht your choc acai ha wo tne of blancs ‘he Avallable Balance and te Curent Blanc, 2 Avaale Balance hse he amount ound aval for windrawal or use at hat moment. The Avaliable Balance nclases pening Wansactons at have ben aubetzed bu may na Yo ave been processed (peste) such as debt card POS Wansactons one Wares, {ATM wansacions, or enn depos, bu 22s netndude ers sue a sheds Bl Pay Yansactens, depos win als on them, and check hat you have weilan But that ave no ye lead your accu Curent Balance is caleuatod afr a warsactons have posts to your account afar th sd ofthe business dy (Eastrn Te). We fis process (got) al money coming =f your account (ered, dopo el), subject to hls placed on eran Vaneacton (ee ou Funds ‘valaity Schecule below), ter tose ae processed ws process (pos ll money coming out yur account eds, wihawal in preternned ere. Tho allowing requ ed debit Yanaacon are procensed a graupsin ti order 1) ranch witrawa 2) ATM “nna: 3) Debt cad or POS traactons at merchants have presenta for pyran) Trastrs for ona Naty Federal "sccountto anther, 5) ACH and 6) Check, When mare than one taaacton fom a grup processed on the sara dy, Raa wilde processodin te oror of lwest io highast aout wit that group of ransactons. ‘sessment of eral oasis dlonrined base onthe account's Cen Balance a the close of each business day, an not asad on the Avail Balance athe tne a tansacton authorizes the acount balance, nding new ceddepoet Is rater tan or equal theo one debtaexpendtutes ato tors have posta aftr he and o's baiess day (Eastern Tine), thre willbe no vera eas assessed. fhe account Salanc is ss than the total of new dbisfexpenatres ar al tems nave posted ona busines dy, you wlloe ‘harged.a minum fone overeat fo por aa we caver he overeat vansacon unde OOPS. nen you usa you Nevy Federal Det Car to make a purchase, the Vansaion autores based on your Avaebe Balance pls any ‘checking Protein opten (OOPS o” Chock Line of Ce youhave snot iat to tne of he purchase. Once a ansscen tuorized temporary node placed on your eceaur or amour te purchase; you ila Ms ot react nour Avaliable Balance, Tis ald doe not fet or terwae aut your Currert Glance. This hol wile removed when the taneaon pots oyu secounto lr bee business day, whichever mes fst. Abou teal maybe femoved ater tes bess days, Ee merchant has {plo 180 calendar day fo present the ranacion fr posting, nema ces, he hold my exced be lees han fhe amount fe ‘ansacto, for aarp, or some purcases made a gas statins stare, or ole ofr carrera Fu ubjec to a a er at neces the sare unde hal a imal sad op fora Vaneacson. hen he Noli removed, rds wile ad tho ‘alae Baloo in your acount your accounts ovorrawn ator te ha funds are retort the Avaabs Balance and te wansecon pos, an OOPS foe maybe aatossed. Pazera, however, thal even though araneacton has oon adhozed, ts ign raul an overeat you tate oor ransacton that aoprocossed befor. So, do net consdar a warsectonauhorzation a6 a guarnte her Walle suet turds in your account to cover the Wensecton when poss. See Nevy Federal Crea Unto Debit Cod Disaoaure (NFCU. 2108) tr mor iermaton, (00° i nota oan or atne feet an must be repaid pomp. Shou the acount remain ovrerawn beyond 30 ays of he ia \ansaeion gesting, OOPS pvleges wb voto larpory and he svc ezn, Fo example, you overdraft $°00 onthe fis othe ‘month and 5200 on he 20h, tho etal of 300s dus on or before he 3th. Th account must have a postive balance foramina of fone bias day allow ha deposited und a ler and reset he 30d ropsymen yt, I Day 30 tha tepayrent yee alle on | wookans or hold, te acaunt most hve a posits talance as of the provius business day oho eipbl for OOPS ret. Should the aczoun renin overrun beyond 45 days, OOPS prvieges wil be evoked parmanenty The fu lo deposit indo bng the accounto postive balance may stints ovedrewnbalancs boing args af 3s as to Navy Federal Such acton coud rash the {hecang account ing lsed and estcbn of yourmanbershp pepe, ‘hota trms and conaions fr OOPS are deta Inte Ney Fedral Form 857-Optonl erat Pratecton Sore Disclosures whlch is ncladed in hse otros by rere ad ca be ound a tpe:inavyederaLorgpdlappiatonsformsiNFCU. 657 pat Novy Fecera recommends that you eb ths closure fom pot opting in to OOPS. By antag ne OOPS, you ates a all De terms and anton inthe Form 857-Optonal versa Prtocion Saree Diesoauas. You have the ight to rovoks your consort by opting out of OOPS at ry tna trough naytederal.org orby phono, tole Inthe US. by calling 886-442-6328, For rus when overseas, vst navyfederalrg, Use 1-709-25.8837 fr calc ntsratnal cals. you preter, you nay alo opt ut at any branch eto, by fang @ request 1-703-208-4244, orby malig the request P.O. Box 3000, evil, va 22119000,'\ Dormant Checking Account fe nthe aan shown on Naw Fedral Sched of Fees and Chagos may be atsossc you have nt engages in hocking accou actly n 385 cys, you cary @comblnea balance af es tha $50 your enaveng and membership savings eens, and you nave no othr Navy Foseral proce cng tat io (Note Thi foo wil not be areas for Mears onder ha ag6 oF 2, You ares that we may close your checing account iit reachas @ are balance a aes ‘change n Terms a Right of Assignment 0 author of Navy Federal under ths aproorant sal ot bo changed or trminaig by you excopt by wrtan nto, which sal at atc. transaeions previously mad. Navy Feral nse rit of asignment of is agreement ‘Alansactons ate subject to fal vrttoaton by Nev Fedral. Nevy Feeralnay revere of ast ey Vansocto, cel, o ett hat Navy regulation or eer av. In aston, you agree hat any seposo other ces made to you rat Navy Feral detarmines shoud not Consumer Reports The cymer an owner. any, auheriae Navy Fedral toobain consumer rad eps about ham dung be mamberaip to consi rmomborship appiatons and review any Navy Federal accounts hey open Toy ndorstae hese epors may bo used mn disor o deny We may repo infomation abut your account o ced bureaus. Late payments, missed payments, oohardefauts on your aecout maybe retocied your rot ropr. The ewner anja own I ny, sree be tly and severally able fr negav lances an any secounis in whieh athar owner has an mount of he overeat, ‘Account Closing Practices ‘we may reopen th loaed account for ay eeson, eluding to pocees cede and debts age he seco. even dong so overs ‘our accourk, You atest ene pyaar you one os. We may coe the acount aferal processing a corel, and wl Ser any romainingbalanco 9 you Contractual Len Interest o caret snepsive or overdrewn adv on any account on when eters name appears. Ts ators agosto lund ‘eluariy depot ina Navy Federal accunl, inducing Soil Sect ns, a peitid byt. The cnet and ot oe any, ore to reenbires Novy Fecal for alleaes of eallocton,lutng reaonate atone’ fees and cos cost Statutory Lien'ecurity Intros epost nal it end nivel cents sa ry maniesheldby Novy Feseal now andi theft, o Beene ary loan rade ans The owner and pt owner. ary, ackoonadge ad pledge o Nev Federal a secrtytrestin he clr securing eas) the ier of mom na wih Navy Feceral now anain te ft, cling ay 'ype of chango or eeabe, and any proseds om he sale of such ealtera and of nswance thereon, nat exceed the unpaid balaceof he oa. Tne secant tet cole securing ther loans os not ply to any ans) on he primary residence of ther he owner ej owner ary. It pprove ara Nav Federal NFCU) Cre Card, use of ecard deans myfour consent lal te mand condos, ning i Secnty iors Specie for Crt Cars provision, wtih reas: Fe acnoalesge and plage, specfomy as a contin of myo ie oft ret car hal te have voluntary grated NFCUa secu narest nal of mour tidus ar oat share seeauns st INFCU. Wms erec cara han ecames dinquent ths sciny mort maybe ses nother note to pay allo pa of sch detrauorcy. Ths eer inert doos nol apply oshareain an Iewial Rettenent Account RA) When necessary for business purpose, the cwner an theo rr, any inforaten conceing ether erboh of tr ancia ars. authorize any person‘ funish upon request by Now Feral Governing Laws and Libity Navy Feral sccouns ae mantined and govenadin accordance wih federal law andthe lwo he Cananwaath of Vg, 8 mended. Property ny be trfared tote apoopit sale thre has bean ro acy on ey of yur ecco win th re prod Speted by late ow Transactons your aecuunt re aa subj 1 appleateaajrant elwuk les and fecal rues and regdatens. Wo wil nt be Il fr ars to flow your instuctons in ote priet you om Fraud or so ilgal acy rf wo oasoratly bolove Ina our ruts woul expose uo polenta los or ever nmin lal, or oot wih vatmar barking graces, WE WILL NOT BE LIABLE FOR INDIRECT, SPECIAL, OR CONSEQUENTIAL DAMAGES REGARDLESS OF THE FORM OF ACTION AND EVEN IF WE. [Notice of Clam: Nether Member nor Navy Federal may commence, ol, or be joined o any judicial action (a ether an inavidual igant or the member of class) that arises trom the other party's actions pursuant to this agreement or that alleges thatthe ny provision of, or any duly owed by reason of, this agreement, until such party has notified the other ving of suche to tke correctiveYour Abily o Withdraw Funds at Navy Federal Credit Union “his Funds Avalbily Sehodde Schedule pps o deposte ade toa checking a (nomtRA) savings account mate at branch, a an automata lor machine ATM), or2y mal Ths Sehodule coos ot aply to deposts mada emelaly town mablo dopost serves, xcopt a dscibod ler in this Sched, ou general procodireis to mate nds avalale rom you deposi on or blo the ft sins ay ater he day we recive our deposi Aha ime, you ean wihaw he Lunds essh and we wa use te us pay eneeks or oter iors. For example, you dopoet a check on Monday, ou may not be sl fo access the fans om ta epost reuse paving her hocks, uel Tuescay or possibly ‘See the avaltitytnelnes blow for deta about whan yu can sete nd om diferent pes of deposi, Longr delays may apy 0 hocks depos In ranches and ATW aude of contartal Une Stat Adina, we may ple a longer hld on non-US. ms fbn crt wl not be received ule clacton process i comsleted you ar unsure when yur unde wale avaabe for wheal, pease contsel ut by llopone oat Navy Fal Onin Banking Telephone Us Cal -866.387-5328 ol Feain te US. Fortes numbers whan overseas, ist navyfederal org. Uso 1-103-255-8857 for colect nematona all nine Ifyou are stned up for Nev Federal nlne Barking, you may sen us an electronic message trough cur eMessonng system at navylederalorg Person to Person (P2) Original Credit Transactions (OCTE) “Transfrs of maney you rece trough OCT, oten use by peron‘o-reonserces clung tho Zl ntwark an Cash Ap, wil sgonaraly be avalale he same businsss doy, Howov funds recaiedby Navy Fecealonor afer & p.m. (Ease Timo) wll bs ‘vad ut he folowing business day fr prozossing some tom such as Automaod Clearing House (ACH) dbs and checks, but ‘teal Ovrirat Protacton (OPS) ans Non Sutiont Furds (NSF) fees wil py, a aoleabo Same-Day avaieitty Funés tom elesroie tect depos to your account wile aval on he day wa eceve the dope NextDay Availabilty Funds tom th ofowing deposit eae on (or bles) he el Sunets Dayar he day wo ae considered have received yout + US. Treasury cack ha are payable fo you + Eeconc payrans, sich a wte kates and Atoms Clearing House (ACH) cats + Checks dram onary bank, amount les than $225 Ityou make a dpostin eran to @ MSR at branch, funds Hom he fellowing depots are als evaabe onthe fat Business Dayar the day wa ae conaceedto hve received your depos + ia and ical goverment checks tha are payable a you + Gather’, cored and tr’ checks hat ao payable to you + Federal Reserve Bark checks, Fedral Home Loan Sank heck, and postal money order the = aan + Ons enecks ams ae payable to you you do nat make your depot person toa MSR aa brane, the ds may nat be made avail nthe second Business Day ate the ‘hy wo ae conaseredt ave receives your dopo. Avni funds may be with in aah or ded pay checks of ths Hams. Cchacks $225 and Over ‘hots $22 per BusinessDay othe total amount of checks deposed n branch wlbe made aval a Haar the ist Business ay after ne cay ws a coniere shave recoNed your post. The rman unas willbe avalato on tho second Busmess Daystar sy we ae conadeed to have ace your depos For example, fou Sopot a check of $1,000 ona Monday, $225 of ne dapstsavalsle ono bare Tuesday. The remaining $775 salle ono bore Wednesday. “hott $2 per Business Day o cas or checks Sapsted ata Nay Federal ATM pri tothe posto cue mo wi ba aatble lnmedsoly or cath wiherawals ny is no aval lo pay checks andr athe Vanstone ei remaining un area “The remaining fds willbe avalableby the second Busines Day afr the day wear considered io have caved your depos Deposits at Nonpropriatary ATMs (Veom® ATMS) Funds tom any nonzash depose mate st ATMs we do nt own or opaala may not be ovaabl unite th Business Dayar he day yossmake he depst. Cath depot wl be ade avalateon the fst uses Day ser dy wear consider onaverecaved your Longer Delays May Apply Funes you post by check maybe delayed for longer peo we baie check you capo wi na be pi + you deposi chek aang mar than $5525 onary one dy + youreceposta creck at hasbeen retuned ump, + younave overdeaum your account repeatedly the la si month ot+ three an emergency, sucha natival aeater or flue of conmunientons equoment We wil act you we ey your aby owihaza fun for any af hese reasons, and we wil you wher he funds wl be avaible ‘wo delay avalbiliy for one hese reasons, funds wll gnerall be alto nolatarhan he th Business Day afer today we aro ‘neldered tae recived your depo. your ack depose made win one of our MR and we dace a thle to delay your aby to nda nde we wl tl you he. we decid 6 delay ae of your nes air you complete yur depae, we wl mal you @ depos hold tc By the esl Business Cay iar wo deci ke tat ato. scoptin Calfornia, Now Yrs and Connect, cops nt savings account ay be held pt five Busines Oa, ‘Special Rules for New Accounts Iryou are anew member, the allowing seca ues may apply dig the fest 30d + Funds rom elector ect epost wi be valle onthe day we reese he depos, your account open: Funds rom dposis of te ft $5,525 ofa day’ lal deposi of ashi’ corfad tales snd fede, stat, an eal governenent hee wl be avalable one isl Business Day tr he day we ae corsseed to have received your depos We depos mets Earain cantons. For example, the checks a se made payable oyu. The excots oer $5525 willbe avait on the fh Business Day ater te cay we ae conser a hae ecsved you Sepan Ifyou dona depos these cece ate than US. Treasury checks) inperaon tone of er MSR at a brech, h rt $5525 wl nol be mae sv nthe second BusnassOay ate he day 38 neldered have resied your dp + Funds rma oer check posts wile avalsle no late tha he th Business Dayal he day we ate considered to havercaived your epost Irwe casha check x you hats drawn on anchor fnanciainstuton, we may wihol the vali of @corespending amount of funds that are already in you accourt. Those nds wil be avaible onthe y oy woul have bean avaliable as though youhad depostod be ‘Availabilty and Notice for Electronic Entries Inthe ase of cri nites subject fo Ale 4A the Untorm Carmaral Cosa, Navy Fedral harby provides note tat seh enties may be vansmitos tyougn he Automata Clating House (ACH) Nework prsuatto te AGH Rules gave by he Nabonal Azonatog Cloarng House Associaton (NACH, Your igs and obligations cancering hese artis sal be gover by and corsrd sccordance wit the ews af ba Conmonwostn of Veg. ret provdedby Nev Federal as ho Recevhg Depostory Finance nstston (ROF? to you fr hee esos proviral ui we have ecivd nal allrant tough a dar Reserv Bark, we don sie suc payment forthe ey, wo are ent to a refund fom you the amour ofthe reo Your account, ana payor afte erty wil at be comdoed lo have pal the aur te cre to you. Navy Federal has ol sree provide you wih nace we have oceived & rot erty subjoct i Atle 4A oth Unform Commercial Code. RightsReserved Navy Federal reserves te ight + acoplor react any check preset + revoke ay stant wt raspctto a chek accopodby vs, ado charge beck o your account ho amount fhe check based on he retu of he chock oa receipt of nie of nor-paymet ote check, ora arefud fr sich eros ard + rogue tat the space reserves or endorsement by Navy Feral on ha back a ary check accepted fo epost he te an clear a any ror markings or endorsements Payment of Dividends Dividend at pido at deposi to your savings and checking szcous, where appebl, a fa Business Day we ate considered have recoled te doposts, cluding non-cash depos (9. chock Electronic Funds Transfer Agreement and Disclosure Types of Transters, Limitations, and Feos For deposits mace al CO-OP Networ® ATM, he ATM ounet wl poe fee peer an austnent is roceses de to one af he falowing iscropanciesin the depos the cureney appears obo courte th curency frig: the depos coors donot oqal the epoe! arauntin U.S lr a erred bo te AT a lems unsigned by be mar antamedated mere than sx month pro he {sof post th ruaral and wrton armours 60 not 9 he depos s over $1,000.00 ans contains an bvousairaton. Fr each isimantntate for dpost ams procesnad and subsequent returned the Fanci instion the ATM our wilipose a fe per ito a to timo th agustmont is proessod We cn accept wanstors oyu checking o savings accounts and maka transer tom your chacking savings account lecnially. ‘Such vanstars ae on ecaved or set n the to of ACH dab and ere, For examle, en ACH ced to your acount mght be ne farm ofan electric dapal of your pay, sack donde tax reid, An ACH debt right be made as a elf an auton you Save ‘sti party to autamately vanstr funds rom your account pay you monhy Insurance semi ily Bs, orc paymet Yu may ko autores parts to use formation fom one of yur checks of MSA checks nae a ane-bne ACH db fom your enecking een or MSA, Using Navy Federals AS, you may make transfers botwoen you Navy Faecal savings, MMA, and checking scours, eusng accounts jonvhicn you ae a ont owner You may mano vanstrs om you savings accous, checking acount, and MMSAS to your savings Inada Rotroment Accounts (RAs), MMSA Rs, snare conte, or Ra nar carseat, Yo may also raster nde rom our saving. chackog, and MISA acount a make Navy Federal loan, checking Ineo ret nd rac card payments, By ealing Navy Federal te nleshone ruber stad a the en of i agreement an desire, yourmay fae aene-tine ACH fads ante! oan ‘secount at nthe nani atten. 8y comping the Avion Funds Transtar Autoraton vite Auloratd Clearing House (ACH) ler and mating or fing ilo Navy Fedral 2 datvering ito a branch, youray sol precuring Warsi lo an account al state analPlease se Navy Fader’ Mable Banking. Onine Banking, and Bl Pay Disclosure forthe ype of tansors tat can bo ata trough Nobile and Online Banking, ana fr latins on hse wanes Paso soe Navy Federale Debt Card Oiseosre or ranafre hat canbe nite ung @ Navy Federal bt Cad ‘You may vey the posing of your Vator by caing us the llephone numbers sed athe end of his greemert and scloaue, or by sccesing you secount wonton tough ATS or Ney Fedral Online Barking Please ote hal you Navy Federal savings account may aly race ACH cross. MMs may receive ACH cra ard ein sccadance wit he tans a forth nthe MMSA apres Wen you ofigats an ACH ransor lather Sannin, Navy Fossa places ro Imation on he dollar amount f receives ACH ans, and Navy Fader doesnot charge fos for aceved wants, ‘You may only orginsto ACH wanstr et Nay Federal Yom your cocking account For vanstersorgncod at Navy Fede, thre is It onthe number a unds vans you can make tom your eckng account pt ay Howeve, hee are mins and manu ll dll transfer Fre associated wh vanstoning nds ftom aroha ancl nto via the ACH, whan the afer is onal om Navy “Transfers om a Navy Feral eheceng acct to @ checking aout at anther Sandal nstton ray be equeeed for a nim of 56.00 toa mim $5,000.09 pe: busines day. Howovey, Ih tl aggregate amount fall checking tarsers wihn ary fueSusnese. ay pena cannot excaod 15,000 “Trnsfer to Navy Federal loans for checking acount anole Francalinstston may b aquesad for 2 minum $5.00 2 ‘maximum of $10.00 per busines dy. However, he aa paregete aout aoa payers win any fve-bushess-day period canal s1c008 $30,000, “Tensfr o Navy Feder! mortgage lane tom checking acount tanether far ntlaion may be requested fo minim of $5.00, toa maximum of $30,000 per tuners day. Howsv heal aggregate amour, wich nds your regu ayer, deional escrow, Pinca ard hte fos of al morgage payments win ary Fue sutinate day paid canna coed $3000 -Aearegete amoints apply tal accounts hat yo own divcily ott you haa int owner of, and are based onthe atactve rant il) For secu reasons, Navy Fee may impose tater Fans on th dar amare ans ale at Navy Federal. Periodic Statements ‘You wi ecsive a statement monn unless your account) hashave not engaged in savings er hectng account acy (no warsactons) win 365 days. When tere isn at win 385 dys, Navy Feel may chose fo provide a iatement onan anna ass, Business Days (kr businass days are Monday troegh Fay, excluding federal hays ‘Your Libilty for Unauthorized Electronic Funds Transfers Nouty us AT ONCE H you betev: + yur accountmay nave been accessed witout your author, + your cat cote or passes has bean bs or stolen + someone has wanseod or may tansfr money fom you acount wihou your parmison of + en elecron und tansterhas boon made without your pemission using iforaton rom your heck or your MMA check “The best ayo miimiza your posible seo elaphane of you have One Banking, conic us tough ou Messaging sytem at iayytederalog,sthough you may sis us i parson orn wing. See th eons numbers and aes sed athe ed of his spreement and disclosure. Fy do rat roy, you cul eal the money in your aecou (pis your axe tine fee aroun. you ous within wo (2) buses days stor you ascover your password or ther moans to gcoe6s your account has boon ste ston, eur aby isro mare an $80.00 saul samaone aceaes your account wut you permsson you do ett us wehin wo 2) business days ter you cscover such sso et, and we can prove tat we cold have povertod te wnautherzed use of your password ‘or lnr mar operas your account yo Ra ls uy could be abl for ax men ax $500.00. ‘Ais, if your statement shows wansfars that you dd nt make or authorize, al us AT ONCE. you do ot tl us wi ay (80) dye ter th isomer wa devered oyu of any Unathorzed or let seo your cco, ou my not gel bak ary of he Panay YOU Tost ater te ty (0) dys tw can prove tat we coud Mave slopped someone fom sting te money # you Mad tad usin en. good recon (sucha log ip or hosp stay) pravened you from ling us, we myn ar aa decraion sxtend te tine oro In Cane of Errors oF Questions About Your Eactronic Tanstere you thnk your statement recut wrong, oi you need mora ifomatonsbout a ranscton sed on your statement orca, coat, ‘ses soon at poesia Ilophone ruber ad ediret inid ale endo his agreement and dicts. rr you no alr tan sty (60 ay ate the FIRS sistent on which the prblem or err appeared, When you contact deserve he eo ote tansacton yeu are unsure about eal expla why you beeveie an tro why yeu need mare Iermatn; and + alls th dolar amount ard date ofthe suspocted er. ar or procosurs lr retoling ears: + yout us oraty wa may regu thal yu snd your complain wring within an (10) business aye ater our rl natn. + Wel determine whataran err occured within en (10) busine days (wey (20) buns days for new cours) ar you nly Uusof tho arr ana will caret ary aor promt, Howsve f we require mare te o cone ta nature of yur carla er quoston, Wo reserve a ight to take up afore (4) cays to complete cur ivestgaton. Fo eosin new scous, pari-tcle, of{originated ansacton, we may tke vp int (90) dye to investigte your cata or question. we dace odo ti, we wl prvlonaly cred your account winn tn (1) busines dys (werty (20) busines days fr new accounts) ote amount you thinks in ‘ror shat you wil nave house of ne money rng he tm lakes uo complete our mvertgaton, A provisional coats 3 temporary cel adusimentmado to your account dung the inet ake uso complete cur vesipaton. + he ak yout submit your eampai rqueston a wing an we do nol ace whine (10) business ays, we may remove he rovsional cre om your aan + tis determined tat her wae no arr we wil reverse any srvional ade wn one (1) busines ay of ishing our nvestigaion, ara sen you a son explanation within bre 3) business ays here ae wsfcet und a your secouto caver the amount fhe rvsioal crest theaccourt wil be over'awn, a yu wl be response er payment. You may as or eopas of docurans use ou ivestgatn, Stop Paymant Procedure Navy Federal canna cancel an agreement Bat you have wh Pied party of evoke De athvizaton tha you have provided a hel party or rezureng automate vances om yur accounts. Te cancal our agoemors whe tid pa ad evoke You auoretion fr ecu ‘sulomicransfr, you mul crt ied party wi whom you have an agreement. When ou tequet aso pajrant on @ aneine pautotze vance, Novy Federal il stop payment on Bat one rans and noon any subsequent Ynsfrs you may Nave authorized Ihe td party tomate. When you requet a sloppeyment on a erie of recuringpreaozed anaes la ti pry, Ney Federal wil stop payment on that srs of Pastors, rat on ry subsoquont ers of ecurrng rarsfors you may avrrze he hs ary fo mako. you wih Io top payment on any preulhorres Fates aher han ie specie oe (or sora on which you italy slopes payment you wil ‘read fo make 9 re stop-payrnant request, We must receive your stoppaymant request thee (3) Busines dys of ors baor he anser I sehozted obo mage, You may onnle a sop parant on recueng aura payments of ane bne poautorized vaso by enlace us va caling er wing using the telephore nuroers e adaressIsed at ho ond of his geomet ane isles. You willbe ‘harged foreach sop sayrant request in aesardance wth Navy Feder Schoul of Foes and Charges, When we pocars 8 sop-payment ‘eaves, you wl le Navy Federal narlees ror alclains and dermanc rela rm te retial onan he preatronaed ans, Tie means at embursement er al damages, oss, and expenses ieured te assigned bacaise othe fefsel lahat te presuhorzed ‘waster willbe your espenty you ardor us i tp ae of hese vansers tee (3) business days or mare before to rnsfors Sehedule, an we dana 2 30, we maybe Inte o yout lsses of damages. Notice of varying Amounts your rocuring ransar varyin amount hed party bing your acount wll you ton (10 ays baer each payment in adiono when te deb be made ard how much & wile, je Lablty IFNy Federal oas not complete astro fom yur account on tne, he cet amount orto the crac recat according to ‘2 agreeret wih you, we ay be abl fr your loses or damages Navy Feral’ ably ited; we wil ot be able fine, spoil conseqvenal damages Navy Fe “hate ae some neces whan wa wil NOT be lable fr example, *-tvough ne aut us you do not have encugh money a you zou, valle funds ough your OOPS, oavalable retin your [Chacking Line of Cre oak he ansio: 2. the und in your socount ae subject to gal process, Such as gash o alechent, ofthe secaun Sbjct @ pledge or 8. ereumstances beyond ou contel (such as fre rood) prevent he wanser,despte reasonable precauons hat we have ake, 4. thee aro adtona exceptions species under ctor agroemers thet you have wih ws. NAVY FEDERAL SERVICES, INCLUDING, BUT NOT LIMITED TO, THE WEBSITE, ONLINE BANKING, AND MOSILE SANKING, ARE PROVIDED”AS IS" ANDAS AVAILABLE” WITHOUT WARRANTY OF ANY KINO, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTASIITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT, IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED, OR TIMELY ACCESS TO ANY PART OF OUR SERVICES OR SYSTEMS, SOME STATES 00 NOT ALLOW THE DISCLAINER OF CERTAIN INPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. We wil ios infermatin to thé partes abou your account or hs ransscons yeu make: 1.14 we ae unable ts comple an lesion wansor because ofinsuficent nds, 2. when ts recessry or comeing transfer 8. vary te existance or conatons of your acount fr ath party, such 4-1 comply it government ageney o cou err. 5. you gve us your wien permission, 6. acorn wh out rey poly. consumer eporng agency 0” mercer ‘Contact Numbers and Address \Whenaver possible, ese contact us by ttephone at Nav Federal Onin Barking lo repr unauthorized enslrs 0 fequest tp pyrene, Conlacing us by hese methadsi the auckest way for us coma wits you requests “Telephone Us Cal 1-888-942-6228 aoe in te U.S Frtalrae numbers whan ovareea, vt navtederaorg, Use 1-702-256-8827 for collect Iryou ao sinod up for Ney Federal Ons Banking, you may son us aneloctoni message through or eMessaping stom at rnavytedoalorg Write UsNavy Feral rea Union Pecaunt Serving Section 20, 83000 Mel, VA 22118-2001 Facts | WHAT DOES NAVY FEDERAL D0 WITH YOUR PERSONAL INFORMATION? Francia eomsanes choose how hey shice your arsna information, Federal gives conser the ght ot some but Why? tal sheng, Foaealiaw aso requros us to you now we eal share, and prtec: your gersonal information, Pest eas eae coat lo underaand wha we do “Tho typos of personal infomation hat we cllct ad share doperd on th prec or service tha yo have wh ws. THE What? «account blancs and payment history ‘nfoanealcomparios noes to share menber personal infomation trun ei averyday businesses, nthe ston Below We How? ists rasonsfrancal conpanes can stare ter ember’ personal ifomaton, whsher Navy Federal chooses to share, ane wheter you en It the sharing, Does Navy Reasons We Can Shar Your Persona information Federal” canyoutimt share? ‘s Foros vray bepress peers mayest we Toto mar prene tr ot enn ve ve ra a ya pn ornate e Force abn preset sb seats Ne ecinitan Forse matty ve osha ‘Questions? Who We Are (aloes *a88-842.6328 or 90 1enawyledeal.org ‘What We Do How does Navy Federal protect my personal Te protect your personal iformatn om unautorad acess and use we use secuy messues tat curly wits ede. Thete measures nid computer sfopuards and scuted fle an bung "Navy Fedora requ tss and assosse ts formation securty measures. sytamatcaly tans ‘works, and opis grates end ornncoreris we neoeeey fo pte your Fornaio We ctoc your personal vomaten, fr example, wren you + pay your bls raptors oe We also cotect your personal ifrmaton tom others, sch as crest bureaus, afises ratherFederal ion gles you te right tnt ony + sarng for atlas’ very business purposes—Infrmaton about your eedtworhirass ony cant timital' sharing? | * ates rom wig yout ifomaton to meat you + Satng for nanaaioso market you ‘State ans and inl companies my gv you sda igh ois sharing Definitions ‘Comparios atest common eanerhp or contl They cat be franc and nensnancial congas, Artistes + urate includ companies wna Navy Fedor name: nancial companies such as Naw Fodeal Credit Unc; nowy Federal Financial Group, LLC: Nowy Feder! Brokerage Sorc, LLG or Navy Feder Tile Serious LLC ‘Cemearios not reed by eammon ownership conta. They canbe Franca an norfnancia companies, Nay Federal ds ot sare with nonfat can market to you soint ‘torn greement betwee ronafitated nana companies tha ogther mare raneal product or svies yOu ‘marketing * Ourjoint makeing partners nce investment, insurance, and other trance series companies, Your Affilate Marketing Choices For prronlifoemmiion (sch your nme, address or casin acznintelled infomation) shared wong nlite, you may op of ‘act ming of products ad sovces y hse fists wi whom youd nl have spor buses felts You ay 0 is by alin th tl-Foe rumor fhe approprite Navy Fedoralconpary proved. An apathy ajo account held wil teats apphing twallassocatod jit acount holes. Your choco lt marking oes rom or alits wl aly wl younoby ust meaty your preference. Note you hve aeady equosed ths, tore n0 ood to do so apan, you nave questions of you sed to comet infront we have on fe please cone ut Navy Federal Credit Union RO, Bax 2000 enfil, VA 221191000 Tale nt US. 1-206-842-6928 Fortes numbers whan overseas, vial navyteeral.org. Colt eran 1-703-255-8857 Navy Federal Financlal Group Navy Federal Brokerage Servi £20 Folin ane Se Vanna, YA 72160 sarra2ta108 Navy Federal Tile Servi 21831 Rdgeop Cece ‘ute was String, VA 20188 sr126r-2120 “Tore 1-855-408-0549 © 2022 Navy Fedarl NFCU 606 (22), Schedule of Fees and Charge ‘SCHEDULE OF FEES AND CHARGES Checks, Checkbook Covers and Accessories cig varie depending on syle an qvantty selaces Vist us nlne at navyederaLarg fo $06 our pros ine ans ping. Checking Accounts Flagthip Checking orihiy sonic oe s10.00 (average daly balancs is bs than $1,500.00 during the sitomentporid) Miscellaneous Checking, Checking Protection and Share Savings Account Fees Nn-suiient ind oe (NSF) charges each ime a chock or AGH debits prosorod ang rturad bcauseofinsuficors finds $28.00COptonal Oventat Protcton Serie (00S) tansacton for checking neous! (maximum fee pe a4) $20.00 ‘Stop peymenttora sgl item s20.00 fora ses of tame $25.00 ‘Copy of or information from, a paid or deposited tem ‘ rogest pr mont No crase ore than (p02) si00 Reposted checkbook blaring atistance (pe *-2hout) ss00 ‘Checking or Savings Retumes checks, dopotied ar cashod $15.00 Cais enacks, more than 2 checks pr day (pe check) ss00 Inactive Momber fos asessadon savings accounts of member ge 24 an overvh es tan $50.0, no activin 12 mont adn ther Navy Fedora pret (pr aurter) $300 Demant Checking Account ee saeeesed on checking acotnts of members age 24 and over wih @ combined savings an checking balance Joes nan $50.00. act io 12 mare and no oer Navy Federal produce pet quate) $800 ‘Account number e-ssigrment nocethan once inthe same calendar year) $25.00 ‘Adjustment to a CO-OP AT ‘check Deposit For doposits mace al CO-OP Networt® ATMs, ho ATM owner wil pas fam pein adstment is process de oon af the ‘olowingdscrepancis in tb dapest tha curency appears to bo cota; hecurancysforoign te post corns 6 rt equal he epost arauntn U.S lr as erred he ATM a ies unsied by tb mar ante dated more than 8 mans pra toe ao of post th purancal and ween amurts 60 not age he depos soar $1,000.00 and contains an vous awraton $200 Returned CO-OP ATM Check Deposit For each adjustment intitos for sopost tems processed an subsequent retires by th nancial insite, te ATM owner wilimpos fae porter atthe ive he agusirents processed $800 Money Transfers Bank wir transfer treomag Nocnaige uipoing—Domestic $14.00 oupo.9-—tnleratona $25.00 Domestc ang itstonl cash vane (maximum ar order $10,00.00) $1490 West Union Quick Colect® $12.98 Navy Federal Debit Card and CUCARD® Maing Fess Firs-clts USPS, new orrplscement cat? Free First-class USPS, systom-goraratd PIN" Free Fed, new oeplacaant card + UPS, system-gonerated PIN si7as Fe, new or epacaant ar wih sli selected PIN s1s0 PS, PIN only $595 (60 Prepaid Card Inacve eater 8 consacuve months tho transctons he card wl be charged unt the balance i depleted othe cadholler makes ‘oer ranean) $100 per mont Nn-Nawy FederaNon-CO-OP Nate ATHE $1.00 prtansacon Loatstalonorraplacement foe $500 apres datiey ss00 Vies® Git cara Inacve ee ater 12 consacutve months with 0 ensctons, he card wl be charged unt he beances dephed a the cardholer makes snomerrersacton) $8.00 por month Loattaton or replacement foe ss00 Expres deivey fee ss00 Miscellaneous Account Services‘eseoes researchurcaes shares fa (por quae) No cargo Notary Public Service Naw Federateltos document No cargo Non-Nowy Federal docimant fst 2 par week No ctage Each acsional docamant nto exes the lel onto fe maximum $600 per Current ATM and Point-of-Sale (POS) Fees Fees are abject to change NAVY CO-OP NONNAVY ‘TRANSACTION TYPE FEDERAL NETWORK FEDERALINON-CO-OP _INTERLINK®IMAESTRO” am ATM NETWORK ATH, ‘coah wire? Nene None su00 Net Aoateabe ‘ranster Nene None si00 Net poseable Ici None None S100 Not poseable Purenase cash back Nt Apleate Sane nec ray ene Depot None | None Net Appteae Nt Aosta ejectes vansactons ‘enon tude rdreqwetencnte None None S100 Not Aopieabo, Irvalé PIN ators None None S100 Not Aopeabe Poln-c-ae purchases Nt Apostle Sane nseots sre aoe Reminders: + ease ensirs tat you have sufciont finds in your aceaunt i aver th wtdrwal an tho fs. + ehweks and ath deposits to nn-Nawy Federal ATMs ar subject a S-busnest-day hold begin te date the checks poste. + Deposits canbe mad at Nay Fedrahowned ATMs ans CO-OP Network ATMS + Loan payments can only bo mae at Navy Fedara-onned ATMS. + You cant ranserind oaother members acount incsing fami member, i the ATM. + Some francine or ATW etwas ouside of Navy FedealiCO-OP networks may charge you coneninee fe fr ung rie ans Navy Federal Debit CardiGO Prepaid Card/CUCARD International Tansactions-Non Navy Federal ATMs and Point-of Salo Ponte wanssctons mate non counties inde remetand ATM Uansactons made whe you are inthe US. (or ry oer locaton win merchants ha procoss ho vansactos in fraign counties 1% porwansacton Federally Insured by NCUA. "opera ovr Pion Sere (OOPS) ray oy nea, Pat hale POS) Naw Fase Carstanscrs ATM wind a Aer eng Howe (ACH anacor rere again yr nchng azn nent veto, Tare na ef $29 hen Nay Fara pays noah Ov thew to bn a as an 15 tur anacon fS fa, OOPS mst pal ry, Sho scat ah ovrsown Bee 3 soto talent posing, OOPS pregabalin tun, Shad Asn nan oth De ys, (005 erin wb eat gemaranh te lb etn te loi ote lone conn (zel, pots te) arctan, ATM (© 2022 Navy Federal NECU 204369 (2-22)Membership Savings Accounts Share Savings Account Rates View the latest rates on Navy Federal online 0.25 sor ‘Share Account Rates Disclosures 2. Paatios fr say winsrewa on trm share accounts: 3. Rates on depo accounts and speci arene aonunis may change afer account oping 4. Navy Federal eserves height dscontaue or madly ors at any ne 5. Nominimum open any NFCU cocking account 6. Fees may tedue eaings 7. Diiond earings are compounded and credited mony. (Checking Accounts Flagship Checking Account Rates View t 51500 8 overinimum. Must manish an avorag ily balance of $1 50016 eam donde. 0.45 vor ‘Must annin an average Sly baanes of 150016 eam dons, 0.40 vor 0.35 wor ‘Share Account Rates Disclosures 2. Panatios fr eaywinsrewa on tm share aecouns 3. Rates on depos accouns and spect erat aonunts may change ater account opening 4. Navy Federal eserves height dscantoue or madly rs any ue 5 Neminimum 0 open any NFCU cackng account 7. Dvidend eamings ee compounded and ceded ranby Debit cards Navy Federal Credit Union” Debit Card Disclosure ‘As sed in this Aaroement the wor "you" and your aan each an ovary person siring. ung or having # Debt Car (00) wh Navy Federal Creat Union refarecto "Wwe""u or "Nay Feder" Navy Feder business days ate Monday tough rig. exlang federal hola. Navy Feserl may cnange and arand tis Agreement at any mo. Tis Agreement ncucing ary dam or spe arsing nao Shal be goverred by federal ian the las fhe Conmmanweath of Virgin Te apo your DC at or staen, or for saris nquirae, pases cal -266-$42-6226, om oereas a -€0040-042328, or cle at 1-709 255-807. Cals maybe monitored endlr recorded o provide inproved member service. Al lhe arespondece relating to his Agreed shoul be aderssod to Navy Federal P.O. Box 23803, Merl, VA 2218-3608, Information conaming Navy Federal DCs may also be sinad at navyederaLorg ‘Accepting This AgreemenSignng the Card: Use of your DC moans you agree tal ems inthis Agreament. Please ro9s is ‘Agreement eaefy ans koopa o2py for Your cords. Upen cap of your Navy Fadorl OC. Ireedltl sign ho sate pal onthe back one card. YourDC must be actvatc pcr ous, Should ou choose to nol vs your DC, you may cancel at ay ine or any reason, by coriacng us using he information above, Then immesinaly and sorely dastoy tha cars by cxingitn ha or sted 2. Membership: You mu be a Navy Fader Membr erin oun, have an opan checking acounl. ad be atest 4 years ada an ‘8 acces loan Cheating Prtscton opto you sl ia ploal OveratPrlecton Serie OOPS} ar Checking Line of red {(CLOCY. You undaratr thet you renain respon fo repeyrent of ey credit eran, ovrat arouns, andor foes cred by_ Account Closure: As sated inthe Inport Disclosures, you o* Navy Fea lose your acount, we may ret dopo dit tars reeeved, or reopen your account and process des and eds aga th aout, icudng, for example, debi cd wensectons and provsional creat reversals You a7 fe mmeritay repay all arcs you owo fous afr to account froponed. Reopening Me sccout wi not reopen o feoonedt det cars cher moans of account acess thet were closed, trnald,o asconecied when De account was closed. Navy Fedora may rote he pes of tarsarton. ning debt earéarsactons,alowos on your acount afer he seco eopaned and may tedose your account ata processing debi snd teats 3. How Transactions Are Authorized and Posted te Your Account Its inpartant to understand ta your checking acrounthas to Kinds 4 Avallabe Balance, The Avalbe Balance irseates tna amount of uns ave for winarawa or se that moment. The Avalisle Balance incldespandingransacions tat have been auhozed bu may na yet have son processed posta), uth as OC Poof Sale (POS) vansactons, nine vane, automated toler machine (ATM) ensactons, or pending depos, but doos nt nls am such as se>adulad BI Pay ranactons, dost wid nds an them, and hacks thal you have wen Bu Bi have not yet dese your acount, Currant Balance. The Curent alance calcul ata wansoctons nave posed ts you acount ater the endo he business cay (caste Tine. eet procest (G08) al money coring fa your acount (ced, deposi, el) Mer tase are processes, we process (post a manay coming out of yur account (28045, wihrawals, 2) 2 pedelmines ade. The folowing tequany-ised deb transactions are procesed in gious nbs or 1) Branch wiiawal; 2) ATM wirawals 2) DC or POS Vaneactons at erchants haw presorios lo us for sayment; 8) Tansers ram one Navy Federal acount oath: 5) ACH: and 6} Chee. When more than one \ransaeton tom a groups pocansed onthe sare sy the ars ibe processed Inthe oda flows hghest rout win a group otrasactons ‘DC Transaction Authorization, When using your DC to make a purchat, tho transaction fs autaized based on your Avalobe Balance plus any Checeng Potacion aptin (OOPS o” CLOCF} you have enatadn athe tme of he purchase Once a warsecbon is ‘uhonzed, temporary nade place on your cen or the aout ote purcase; you wil se his ol rect In your Ava Balance, This ald dos not aflect or bere ad! your Curent lance, Ths hod wile ramovad when th wansscon posto your secur a ater 3 busines dys, whichever eos fis Akhugh he Meld may be romoved alr 3 busines days, the merchant p> 480 calendar days to present he ansacton fo postng In sae cases, a hald may exced of be ess an Bs aroun the Vansecton fer example fr some purchases mae a gas eons, restnanl,o hla, ofr a oink. Funds sujet oa flare ot necessarily tne samefunes that are utmately ues to ay fora ansecton. Orda, we wil ot auras DC vansoctons wlss youhave sua ‘unde avalbl n your evecing acount pls ry Checking Potetn opto you may have. we preusly authorized 8 DC transaction or placed holt hats es han he ral wansocton aroun, we wi athe vansacton eon you have nsufiet funds ans even you ie ‘otopt in to. Chectng Protection option for DC raneactons, «Person to Parson (PZP) Orginal Credit Transactons (OCT). Tenses ofoney you fesive tough Cx Cre Tansactons (OCT) oten seed by person-o-peron sence, ining the Zale network an Casn App, vl gneraly be avails ha same business ay waver, funds rected by Naty Federal on rater 8 p.m. (Eas Tine} wl ot bo avatabe url he folowing business dy for prcesting soma toms such a Automate Ces House dais (ACH} and checks, but Oponal Overt rotcion (OOP) an Nor Suter Funds ae (NSF wil app 3s paeale 4. Transactions and Limits: Your may bo use to purchase goods and services wharover hs cards accopte. You may uss your DC for the fonowing’ balance ingues, und Varlre, cas whew pods to you hocking account Monay Maral Savings Rccou,snd savings acourt, and recsive cash back wit a purchase a paricpatng erink® or Macsto® mercnants. Cash back wih a purchases ory tiered am your valle chacaing acount aloe pls any ChecingPotacton opton you may nave, The Gay waneaton kn fr chases $3,000 for al ypes of hocking accounts wth to exception of lagehip Chaska, wnich as @ day purchase vansctn Init '9f$5,000. The daly cash tts $600, hin ctdes wihrowat alan ATM, manuel cash at inaction, and cashback wih purchase at pariopatng mercnans, NEGU propritary ATMs ae the axcoton tos imi. which wil alow mamibors fo windrew a maximum ‘151,000 per day. General, there snot on the numberof vansactona tat an be performed pet day; Nowever, or Secu easen8 we resore the iho impov char Ito he antactons you may make sng Yur DC. 5. Use of Card for aga or Risky Transaction: I's your response comply th laws when using Your Nowy Fesaral DC. You 29720 t hold vs halos fr any damages or ter labiy ssn rom Vansactons inal by you fer the purpose of conduc gal Schvy We osoree ight delne uthorzation andi cratlde dapuos duo paripsion mn anactare for acies we Beeve may vl ew or psa sirvicantrisk ous or our Merers, such 3s ore gain, ©. Libility for Faure to Complete Electronic Fund Transfers: we dont camglleswansacon using you DC eo tne othe caret mount whan propery instructed by you acorig to hs forms of this Agreement wo wi bs abo or damages caused by ou alr, with frveexcepons, We il NOT be abe any ofthe ling eve ‘2 trough no faut ofr, you do not have enough maney i your account a avalable in your select Checking Ptecton apton rake he raster or ranacton b.ttne andes your secourt are subject legal process such ae gumhment or atlachent othe acount sujet 16 a pledge ot scary agreement the ATR where you te making Be wanso of Pansacon dows nat have enough sh <4. trne ATM was not wrkngsropety an you knw about the beskdown when you sated he Wanstr or ansacton, «f daspto reasonable procauons tat ws hava akon reurstancasbayond our onl (such as fr, power alr, o ood prevent 7. Foreig/nterationl Transactions: Transactons using your DC made in orsign counriswil ost your account in U.S. dears and ville charged en ematonal Sane Assent Feo, Tf wilba dard a a separate ansacon on your ater, The fe wil be assosse on purchases ans ATM wansactons 2 olows «4. Tanantons made in foreign counties wl be aged 1.0% of the ranscton aroun Documentation of Transactions: is econmended ta ou obi a wansacton ei athe ine you rake ary Wansacton us your Catan ATM or 20S terial ane ean the recep copy fa psd fateas 80 days. Your checking account sateen wl ni the rechar, nancial irststo, or electronic tema whee rensactons are made andthe dolar amowt fhe Yansacon. You wa get Ion account snlment ven there arena ranstrs ina parear mons. You may alo Waw your snl nd acini bales on our wobste at navyteceral.org obyusng cure app.2. Fes: Thar ino fo forusng your to make a purchase ats merchant eaton; however papa merchants may mpose a fee for tho cash-nack porn of he vansacton,Cash-backamaunt lms may vr dapnding on stare polly. For ait ot roe ATMS, please check ‘ur wade atnavytegerlog, ATW fos are ecloneain our Scheouie of Fees ant Charges rocure ana ay aleo be wowed st havylederalorg. hon you use anen-Navy Federal ATM, younay be charged aoe by tho ATM oportor.Addtonaly, you may be charges 8 feo for a balance nay eve you 6 ret comalte an eloconic nds vans. 10, Real to Honor Your DC: You age Nay Fedral espanol fr ay arch, al tion other pty that revoko your DC prvlges at ay ime wihout note you 12-Disclsure of information to Third Patios: Navy Feder wil discs information t thr partes abou your DC o checking acount oF tho transfers you maken any aft folowing crcumstances: wo ae unable io comps an elcronc vast: becsuce ofinsfiant ins wheres necessary lo comple he ansacon vey the xstance or carlione of your account fra hed pry, sucha eet bureau ormeroant nore o com wit government agency or aut ders you ge us wn permis orn accordance wh ou” hae your OC niarmaion w> the parspaing network near oka your ead xtrmatn curant and ofactat unitate 13, Stop Payment for Pre-Authorized Recurring DC Transactions: We canon hone top-payment requests for wansacons sng your 1G on peathonzed econ ansactons or sevces. Fyouhave ol usin advance o make regulr payments otf you aceoun, hg your O6, you car requee ue oetap any o teas payment, Contac vs em he intra ave mn ta for uo receive Your aquest ® business Says or mre before the payments reneged tobe made you en we may lo rege you caf your request in wing wit 1 das ter you cal. you eaves uso slop one of these pyran 8 business cays or more bears tne raters schaduled, ana ‘ve dono 00, we wil 9 able fo your ses or carages, 14, cardholder Liab for Unauthorized Transactions: NOTIFY US AT ONCE you balieve that your DC or parsons identieation rumba (PIN) hasbeen lost, stolen, or ured (or may be used) without your author. Thebes way omisimze your posi lasas is te contac sae soon au gorse By cag us at he umber above a you have Navy Federal Orline Gang by us te Rept aud feat. You may also not usm person at any banc ong using te adres ave. no more tran $60 someone see your DC e PIN without your permission loreee may bea high as S50. ne ca, you woul be befor unautatand ansacons upto $80 forte a2 bualnees das pls al Urautorizd vansactons that occur Selwen those et 2 busines ys and the day yu actly nly Ut allopsther up lo $500 Yu wil fon belle or unsutharizad tansacons afer te ret? business das Iwo can domonavate hal we cols hee stoped he unauhorg Unauthorized Transactions on Statement: you slalemant shows tresactons thet you i not make a autos, talus AT ONCE. you {oot tet us wth 60 calendar day ner the sateen Boon made mrs fo you, your loses for unnshoraedransctons that occur ator ase 60 aays may be unste ual ou actualy noty us. You wi nly bs lable or wnautorize vancacions arto 60 days we can densa tat wo could havs stopped the urautorieed Yansactonsf yeu ned notified us Under estan eecimsances, wo may ‘rand te ntieaton tive prod abl fo be use, ss of misuse athe DC ul you repo unauthorized ue or Waraastons a Nay Federal, 15. Navy Fedora’ Zero Liability Policy fr Fraud nado othe ably Ins above, you ney us of suspects ras win 80 ays “his Zor Lally poey only covers transactions that have been cnfmedby Navy Federal as raul So eas eerste roan ces ‘Sasa peda — ‘outs vareaion don ou snr enc us son spose sng te cra maon ins soo, eu MUST {tnt youotan' econ ote beet or tran ou aw cvrenng chat eclan why youetoe a eos youtoson we your concom mrtg in 0 saree dye tweet ou pty conomn man ard we dnatacave tn ‘snes caye vo nay et povonay eel (se bln] you soc We may take up to 45 day to nvsiate your cancam; however, for suspected ears nvolng new accounts, POS, a forint transactions wo may tun o 90 23y8%9rvoregate. wo tak long han 10 basins days (20 bungee day fornew account) 0 strmin wheter en eroraccured, we wil rovslonly ete your account he amour you reported ab anor ane ef he 0th Invostgaton Wo wlroprt te rsuts of ou ivestgatont you wen 3 busibss days str compleing cur lvesigaton we determing nay ask or apes af te documens thal we sed in making ou deleminalon Ay Povsioal Cred wb ake ou of you aectun we may become overran 17, Other Reasons for Dispute iste ransactons hat ar not cored by our Ear Resolion Process such as doecv,camagod, rnotrealpt of metehandse or ences, er om raoaved not a oscrbod wil be Randle a our dscrbon. Please est make a good ath temo t reso iscroparcis win he rarant your goed at attempt snot succes, wo may use our displ esluton proces Io {ct on your bea an pursue rcoveryof fun fom ie marehan. base on your sister suzporing your clam, as wel 3s any win 120 dae; howaver, wear not cba oun a Provsonal Crd rng the date reed uten process, “Traacton(s) conducted though a persondo-arson payment src provider tat anaer fun, sch as te Zle® nebvork and Cash Federals unl fo pursu hese marcants of he Id party rein for covery an your deta rg he eepte process.{8-Merchant Greta: Mrcharis ara others who hance the OC ray cod far eu or acute, hich wil pen your ereckng account steers. {© 2021 Navy Federal NFCU2I0A3 (4-21) Promo Code Promo Code Disclosure if promo code contains a monetary incentive) “his oer may nt be combined wi ry oer newsnanbe fers the bra af account opening. Must be be ale Egy open to seeourto be cred, $5 minum bala required oopan and maintain mamBareip sings acount ao oan Bonus you hve rotten your new memBerene savings acount he me the bonus feed, we wil ald te minim 6 snare equred fr you ‘membership. Anal Perconlage Vid (APY) 0.25%, ofectve 4/1/2020, Bos deposted win 14 busines days of membership Bing ‘estab, Aczourts must In good standing fr cea obo prooassea. Fas may reduce earings andraios may change, Navy Federal ‘employees ans thor immed fer ar not lige to paricpat thse programs Recent sohly responsbl for ary personal ably aring ou of aceptanoe ofthese nantes. Ofer an exp anytime thou prior nls Primary Account Owner -Tax ID Certification Under penalty of perjury | certify that (2) the SSN/ITIN provided is correc, (2) am not subject to backup withholding and (3} lam a US Citizen or US resident Alien. FATCA code certification does not apply. The Internal Revenue Service does not require your consent to any other provision ofthis document other than, the certifications required to avoid backup withholding. ‘Authorization for the Social Security Administration to Disclose Your Social Security Number Verification | authorize the Social Secuity Administration (SSA) to verify and disclose to Navy Federal Credit Union through Early Warning Services LL, ther service provider for the purpose of opening and maintaining accounts whether the name, Social Security Number (SSN) and date of birth have submitted matches information in SSA records, My consent is for @ ‘one-time validation within the next 90 days. ‘Authorization for Wireless Operator(s) to Disclose Information ‘You authorize your wireless operator (AT&T, Sprint, TMobile, US Cellular, Verizon, or any ather branded wireless operator to disclose your mobile number, name, address, email, network status, customer type, customer roe, billing type, mobile device identifiers (MSI and INE!) and ather subscriber status and device detail, if available, to our thiré party service provider, solely to verify your identity and prevent fraud forthe duration ofthe business relationship. See ‘ur Privacy Policy for how we treat your data, liWe acknowledge that membership/account ownership at Navy Federal Credit Union comes with certain ongoing responsibilities. We have read and agree to abide by all terms and conditions, as provided above. We acknowledge that ‘myfour property may be transferred tothe appropriate state if there has been no activity on any of my/our accounts within the time period specified by the applicable state law, lagreeBy checking this"! agree” box above and selecting “Continue below, I'm using my electronic signature that has the same legal effect asa handwritten signature and evidences my agreement to the disclosures listed above and my certification as indicated above. © 2022 Navy Federal Credit Union. All rights reserved Federally Insured by NCUA Ifyou have questions please contact us 1-888-842-6328