CREDIT CARD & LINE OF CREDIT - BECU

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.