CREDIT CARD & LINE OF CREDIT - BECU

CREDIT CARD &LINE OF CREDITBECU MEMBER:Jodi P., Marysville

ANYWHERE, ANYTIME ACCOUNT ACCESSBECU BELONGS TO THE CO-OP and Shared Branching networks,giving our members access to thousands of ATMs and branches nationwide.BECU NeighborhoodFinancial Centers40+ throughoutPuget SoundBECU ATMs200+ throughoutPuget SoundShared Branches5,000+ Shared BranchLocations NationwideCO-OP Network30,000+ Surcharge-FreeATMs NationwideFOR A COMPLETE LIST OF LOCATIONS, VISIT WWW.BECU.ORG/LOCATIONSBANKING ON THE GOMobile BankingUSE THESE FREE SERVICES to conductyour banking business while on the go:>> Free Online & Telephone Banking>> Free Mobile Banking * , including Mobile Deposit>> Free Bill Payment & eBills>> Free eStatementsFor a complete description, visit www.becu.org/access.*Airtime, roaming, data usage and minutes of use may be billed by your mobile provider.SW-COC-1436ColorGraphics is FSC (Forest Stewardship Council)certified in all our facilities. We are proud to promoteenvironmentally appropriate, socially beneficial, andeconomically viable management of our world’s forests.PO Box 97050Seattle, Washington 98124©1996 Forest Stewardship Council A.C.10/13© 2013 BECU. All Rights Reserved.800-233-2328becu.orgAll Washington State Residents Are Eligible To JoinFederally insured by NCUA

CARRY A LOCALLY-ISSUED CREDIT CARDAS A NOT-FOR-PROFIT credit union, BECU puts people ahead of profit.So, it only makes sense that the BECU Visa credit card represents one of the bestcredit card values in the country—with low rates, fewer fees and great rewards.LOW RATESWith a BECU Visa credit card, you get thebenefit of a low rate on purchases, balancetransfers and cash advances. There are noannual fees, or balance transfer fees. *GENEROUS BECUREWARDS PROGRAMAdd the BECU Rewards Program to yourBECU Visa and we’ll waive the AnnualParticipation Fee of $25 for the first year. **Then start earning points toward airlinetickets, hotels, rental cars, gift cards,merchandise, cash back on your accountand more. For more information, visitwww.becu.org/visarewards.THE BECU VISA CREDITCARD IS ISSUED RIGHTHERE IN THE NORTHWESTCarry a BECU Visa credit card and enjoythe benefits of working with a creditunion that has been serving the PugetSound region since 1935.YOUR APR CAN IMPROVEIF YOUR CREDITHISTORY IMPROVESWe periodically evaluate our members’BECU credit card accounts. If your credithas improved, and you qualify for a lowerrate, we look to reduce the APR on yourcredit card account. ***ADDITIONAL BENEFITS>> Generous grace period on purchases>> Extended warranties on purchases>> Worldwide travel accident insuranceand auto rental insurance>> Travel and emergency assistance program>> eStatements option delivered to Online Banking>> View transactions and pay your Visaconveniently onlineBECU MEMBERS left to right: Bonnie & Leo G., Renton; Steve G., Puyallup; Sara, Jason, Madelyn & Siarah B.;Ann V., Seattle; Shateila W., Federal Way; Molly P. & Caleb L., Renton

BECU Credit Card and Line of CreditPERSONAL LINE OF CREDIT ****Want to keep your options open? Similar to a credit card, with a BECU PersonalLine of Credit your funds become available again, up to your credit limit, as youpay down the balance.>> There is no application fee>> There is no transaction fee>> There is no annual fee>> There is no penalty for payingoff the line of credit earlyHOW WILL YOUUSE YOUR PERSONALLINE OF CREDIT?You can use a BECU Personal Line ofCredit when you need a source of cash:>> Unexpected expenses or purchases>> Consolidate high-interest debts>> Overdraft protection on your checking accountLOAN PAYMENTPROTECTIONBECU offers this program to helpsafeguard your family from financialstress if you’re injured or lose your job.>> Package options include: life, disabilityand involuntary unemployment protection>> The cost is based on the package optionsyou choose and your monthly outstandingThis is a summary of our BECU Loan PaymentProtection (LPP) program. Enrollment in theprogram is voluntary. LPP is a debt cancellationproduct available through BECU. Certainlimitations and restrictions apply. Please contactyour loan representative or refer to the BECULPP Agreements for protection details.Get more information on Loan PaymentProtection at www.becu.org/loans.*BECU’s credit card rates in effect as of November 1, 2013 range from 6.9% to 17.9% variable APR and are subject to changewithout notice. The actual APR will be determined when you apply and will be based on your creditworthiness. Transaction feesapply: cash advance fee of 2% of the amount of the cash advance, not to exceed $10. Foreign transaction fees of 1% of the USdollar amount of the foreign transaction apply for all international transactions.**$25 Annual Participation Fee for BECU Rewards Program applies thereafter.***BECU performs periodic reviews of its credit card portfolio to determine, based on the borrower’s creditworthiness, if a credit cardaccount qualifies for a lower rate.****BECU’s personal line of credit rates are subject to change without notice. The actual APR will be determined when you applyand will be based on your creditworthiness. Visa and Line of Credit programs, services, rates, terms and conditions are subject tochange without notice. Contact BECU for the most current information.