NOTICE OF INTENT TO LITIGATE

To Navy Federal Credit Union:

You are hereby notified that ANTHONY CHETTA, by and through its agent, Anthony Chetta, intends to file a lawsuit against Navy Federal Credit Union (NFCU), headquartered in Vienna, VA, for failing to honor special and qualified endorsements on a negotiable instrument, specifically a promissory note, tendered and accepted on September 23rd, 2024, between 1-2PM PDT at branch address 5360 W Rosecrans Ave, Hawthorne, CA 90250.

Despite given ample opportunity to correct this issue through administrative processes, NFCU has failed to perform, resulting in an erroneous claim of a balance owed on the account. This matter is not regarding debt validation. ANTHONY CHETTA, nor its agent, acknowledge the debt. NFCU is in breach of contract for failure to perform based on the special and qualified endorsements on the instrument and, therefore, has not complied with the terms of the instrument. Effectively, NFCU has dishonored the instrument.

Relief sought includes:

• Correction of the account balance to reflect the proper application of the negotiable instrument

• Compensatory damages for NFCU's failure to honor the negotiable instrument

• Punitive damages for NFCU's willful breach of contract

NFCU is hereby requested to preserve all relevant evidence related to this claim, including but not limited to documents, records, and communications.

This notice is provided pursuant to California law and applicable California Commercial Code.

Anthony Chetta, Agent

PO Box 10

Venice, CA 90294

310-747-5104

Run Date: January 20th, 2025 AD#89949