NOTICE OF CHANGE IN TERMS 
for 
BECU CREDIT CARD ACCOUNTS 

In November 2009, BECU sent out a Change in Terms to credit cardholders notifying them of a 
switch to a variable interest rate structure on their accounts. This change was made based on 
the impact of the Credit CARD Act of 2009. In January, 2010, federal regulators amended the 
Credit CARD Act by including additional provisions that affect variable rate credit card accounts. 
Based on the impact of these recent changes to BECU as well as member feedback, we made 
the decision to convert to a non-variable rate structure on BECU credit card accounts. 

Please review this updated Change in Terms Notice carefully for specific details.  

Summary Of Change In Terms 

What is changing?  
Currently the interest rate on your credit card account is variable. Beginning August 1st 2010, we 
will convert your variable interest rate to a non-variable rate.   

What happens to my current interest rate? 
Your actual interest rate will not change. The new non-variable ANNUAL PERCENTAGE RATE 
applicable  to  your  credit  card  account  as  of  August  1,  2010  will  be  the  same  as  the  current 
ANNUAL PERCENTAGE RATE that is disclosed on the first page of your statement.   

Replacement Provisions to the Agreement.   

To implement this change, we need to update your Consumer Loan and Credit Card Credit and 
Security Agreement. Effective August 1, 2010 the Agreement will be amended as follows: 

Credit  Card  Interest  Rate.    Section  I.C.6.  of  your  Consumer  Loan  and  Credit  Card 
Credit And Security Agreement is revised to read: 

6.    Daily  Periodic  Rate  (DPR)  and  ANNUAL  PERCENTAGE 
RATE (APR).  The DPR and corresponding APR used to calculate 
the  FINANCE  CHARGE  for  your  Account  will  be  stated  on  a 
document  provided  to  you  when  you  open  your  Account.    (That 
document  is  a  part  of  this  Agreement.)    After  you  open  your 
Account,  rate  information  will  be  provided  in  periodic  statements 
that we send you. 

How the Rate Change Applies to Balances 

The  non-variable  rate  will  apply  to  transactions  made  on  credit  card  accounts  on  or  after  the 
effective date of August 1, 2010.  Any transactions made before that date will be subject to the 
existing  variable  rate  and  terms.  While  the  existing  rate  is  variable,  it  is  currently  set  at  the 
minimum  rate  for  your  account.  Based  on  these  terms,  this  means  that  transactions  made 
before August 1, 2010 will continue to receive the minimum rate on your account (your current 
rate) until they are paid off. For accounts that are currently subject to a default or penalty rate, 
that  rate  will  remain  in  effect  until  the  account  qualifies  for  the  standard,  non-default/penalty 
rate.  

BECU wants to make sure you fully understand these changes to your account. If you have any 
questions or would like additional information, please contact us at 1-800-233-2328. As always, 
you can count on competitive rates, fewer fees and member-first service that come along with 
your locally-issued BECU Visa credit card.  

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