BECU CREDIT AND SECURITY AGREEMENT ADDENDUM                           
This addendum is incorporated into and becomes part of your Credit and Security Agreement (“Agreement”) that governs your credit card. Please keep this attached to your 
Agreement. Rates and terms are current as of August 1, 2010 and subject to change without notice. 

BECU CREDIT CARD ACCOUNT 

INTEREST RATES AND INTEREST CHARGES 
Annual Percentage Rate (APR) 
for Purchases, Cash Advances, 
and Balance Transfers 

6.9%, 8.9%, 10.9%, 12.9%, 18%, 
when you open your account, based on your creditworthiness. 

How to Avoid Paying Interest 

Your due date is at least 23 days after the close of each billing cycle. We will not charge interest 
on purchases if you pay your entire balance by the due date each month. We will begin charging 
interest on cash advances and balance transfers on the transaction date. 

For Credit Card Tips from the 
Federal Reserve Board 

To learn more about factors to consider when applying for or using a credit card, visit the web-
site of the Federal Reserve Board at www.federalreserve.gov/creditcard. 

FEES 
Annual Fee 
Transaction Fees 
•  Cash Advance Fee 

•  Foreign Transaction Fee  

Penalty Fees 

•  Late Payment 

•  Return Check 

•  Failed Automatic Payment 

None 

2% of the amount of the cash advance, not to exceed $10. 
1% of the US dollar amount of the foreign transaction. 

$25 for each payment that is 1or more days late. 
$25 
$25 for each time the funds are not available in your BECU share account on the scheduled 
transfer date. 

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases) 
All terms, including fees and the APRs for new transactions, may change after account opening in accordance with the Agreement and applicable law. 

LINE OF CREDIT                  APR 
Personal Line of Credit 

8.9%(0.024384%DPR), 10.9%(0.029863%DPR),13.9%(0.038082%DPR) or 18.% (0.049315%DPR) 

The APR you receive will be within the range disclosed above, based on applicant’s credit worthiness. Your actual APR will be determined when a credit decision is 
made and may be higher than the lowest rate available. Default/Penalty Rate: If you fail twice within any 12 month period to make your total Minimum Periodic Pay-
ment within 29 days of the payment due date or your Account is considered in default for any reason, the APR will increase up to 19.9% APR (0.054521% DPR). 

The information in this section is incorporated into and supplements Your Billing Rights under Section II of the Loan Agreements and Disclosures Booklet. This section does not apply to 
home equity plans (HELOCs).  Refer to your HELOC credit agreement for that information. Your Billing Rights: Keep this Document for Future Use. This notice contains important information 
about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find a Mistake on Your Statement. If 
you think there is an error on your statement for: 
• Your credit card account write to us at Customer Service, 

P.O. Box 31112, Tampa, FL 33631-3112 

• Your open-end loan under a plan other than a home-equity, 
write to us Research and Adjustments, P.O. Box 97050, 
Seattle, WA 98124-97050 

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. 
• At least 3 business days before an automated payment is 

scheduled, if you want to stop payment on the amount you 
think is wrong. 

You must notify us of any potential errors in writing. You 
may call us, but if you do we are not required to investigate 
any potential errors and you may have to pay the amount in 
question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 
1.Within 30 days of receiving your letter, we must tell you that 
we received your letter. We will also tell you if we have al-
ready corrected the error. 

2.Within 90 days of receiving your letter, we must either 
correct the error or explain to you why we believe the bill is 
correct. 
While we investigate whether or not there has been an 
error: 
• 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. 

• 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. 

After we finish our investigation, one of two things will 
happen: 
• If we made a mistake: You will not have to pay the amount in 
question or any interest or other fees related to that amount. 

• If we do not believe there was a mistake: You will have to 
pay the amount in question, along with applicable interest 
and fees. We will send you a statement of the amount you 
owe and the date the payment is due. We may then report you 
as delinquent if you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is 
wrong, you must write to us within 10 days telling us that 
you still refuse to pay. If you do so, we cannot report you as 
delinquent without also reporting that you are questioning 
your bill. We must tell you the name of anyone to whom we 
reported you as delinquent, and we must let those organiza-
tions know when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to 
pay the first $50 of amount you question even if your bill is 
correct. 

Your Rights If You Are Dissatisfied With Your Credit Card 
Purchases. If you are dissatisfied with the goods or services 
that you have purchased with your credit card, and you have 
tried in good faith to correct the problem with the merchant, 
you may have the right not to pay the remaining amount due 
on the purchase. 

To use this right, all of the following must be true: 
1. The purchase must have been made in your home state or 
within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither of 
these are necessary if your purchase was based on an advertise-
ment we mailed to you, or if we own the company that sold you 
the good or services.) 
2.You must have used your credit card for the purchase. 
Purchases made with cash advances from an ATM or with a 
check that accesses your credit card account do not qualify. 
3.You must not yet have fully paid for the purchase. 
If all of the criteria above are met and you are still dissatisfied 
with the purchase, contact us in writing at: Customer Service, 
P.O. Box 31112, Tampa, FL 33631-3112. 
While we investigate, the same rules apply to the disputed 
amount as discussed above. After we finish our investigation, 
we will tell you our decision. At that point, if we think you owe 
an amount and you do not pay, we may report you as delin-
quent.

    BECU 230 8/10  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Other BECU Loan Rates Rates as of August 1, 2010.

3.49% - 6.99% 

3.99% - 7.49% 

4.49% - 18.00%

3.99% - 18.00% 

FIXED RATE LOANS                   APR 
New Auto 
2007 and newer 
New Auto  (80% LTV) 
2007 and newer 
Used Auto  2006 and older 
Used Auto  (80% LTV) 
2006 and older 
Boat (20% down) 
RV (20% down) 
Personal Loan 
Consolidation 
Other Secured (20%  down) 
Share Secured 
CD Secured 
Advertised rates above include 0.50% automatic payments rate reduction.  Auto loan rates based on 60 month or less repayment term. Longer repayment terms may be 
available, ask a BECU representative for applicable rates. The APR you receive will be based on your credit worthiness, age of collateral, repayment schedule, loan-to-
value (LTV) and payment method. Your actual APR will be determined when a credit decision is made and may be higher than rates advertised above for less than per-
fect credit. Higher rates may apply to new BECU member loans through participating dealers. Your final APR may differ from your loan interest rate due to additional 
fees (such as a boat survey fee) that may be applicable. Assume you will borrow $20,000 for an auto loan. The calculated APR on a 5 year loan with an interest rate of 
5.24 % would be 5.24 % APR with payments of $379.68. 

15.50% 
10.25% 
Pledged share savings account dividend rate plus 3% 
Pledged CD dividend rate plus 2% 

6.74% - 18.00% 

7.24% - 18.00%

12.50% 

VARIABLE RATE LOANS             APR 
Private Student Loan 
After account opening, APR may vary each quarter (Jan, Apr, Jul, Oct) based on changes in the Prime Rate (as published in the Wall Street Journal), subject to 
5.49%APR minimum and a maximum of 18% APR. Rates offered based on applicant and co-applicant’s credit qualifications. 

5.49% - 7.24% 

EQUITY ADVANTAGE1                APR 
Variable Line of Credit 

3.99% - 4.74% 

Fixed Rate Advance 

5.74% - 7.74% 

EQUITY ADVANTAGE (High Loan-to-Value)1 
Variable Line of Credit 

4.99% 

Fixed Rate Advance 

7.74% - 9.49% 

EQUITY ADVANTAGE (Non-Owner Occupied) 2 
Variable Line of Credit 

4.99% - 5.74% 

8.24% - 10.24% 

Fixed Rate Advance 
1For owner occupied, the property must be located in one of the following states: Washington, Oregon, California, Arizona, Kansas, Missouri, Illinois, and Pennsylva-
nia.  A BECU Loan Fee of $300 will be charged for loans secured by real estate located outside the State of Washington. 
2For non-owner occupied, the property must be located in the State of Washington.  
Equity Advantage Rates above include 0.50% automatic payments rate reduction; for loans without automatic payment option or if option is cancelled after the account 
is opened, the APR will be 0.50% more. APRs do not include costs. Line of Credit rate may vary monthly, based on the highest Prime Rate as published in the Wall 
Street Journal as of the date of any rate adjustment plus or minus a margin; maximum 18% APR.   Equity Advantage Lines of Credit provide for monthly payments of 
interest, subject to lesser of $100 or your balance, for up to 10 years (the credit advance draw period). During the interest-only period, principal is not reduced and at the 
end of this period, your monthly payment will increase based on the principal and interest necessary to pay the loan balance over the remainder of the loan term. Fixed 
Rate Advances provide for monthly principal and interest payments up to 15 years, depending on the amount advanced. The APR and financing offered is based on your 
credit qualifications, occupancy and property loan-to-value. You may have to pay certain fees to third parties that range between $0 to $2,753.  Additional state or local 
mortgage fees or taxes may apply. Property insurance and, if applicable, flood insurance required. Please ask us about your qualifying rate. 

MORTGAGE LOANS 

BECU offers a variety of fixed and adjustable rate mortgage products. To be connected with BECU’s mortgage department, please call 206-439-5772. 

SMALL BUSINESS LOANS 

Designed with the needs of Small Businesses in mind, BECU offers a wide variety of business loans, lines, credit cards and other lending products. Let us be your part-
ner in success by taking care of your credit needs. For more information stop by any of our conveniently located Neighborhood Financial Centers or contact us at 206-
812-5140  or, outside Seattle 800-233-2328. 

RATES AND TERMS IN EFFECT AS OF August 1, 2010 AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. 

    BECU 230 8/10