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1. 1.APR=Annual Percentage Rate as low as 4.036%. APR is a variable rate. This HELOC has a 10 year draw period with interest only payments and your principal balance will not decrease. After this period, payments will include both principal and interest and may be higher. Offer available for new CU SoCal HELOC or refinance of existing CU SoCal 3.99% promotional HELOC with a minimum increase in line of credit of $50,000. Also eligible for existing CU SoCal non promotional HELOC. The introductory discounted rate 3.99% (intro rate) is fixed for the first 12 months. After the introductory rate period your rate may increase and will adjust on a monthly basis to the Prime Rate index plus a margin or 4.00%, whichever is higher, subject to a maximum rate of 16%. Minimum credit line amount to obtain promotional rate is $10,000 with a minimum required monthly payment $74.00. All closing costs are included in the loan except the appraisal fee(nonrefundable) which will be collected upfront. Borrow up to $250,000 at 80% combined loan to value (CLTV) or up to $500,000 at 70% combined loan to value (CLTV). HELOC is only available on owner-occupied California and Arizona properties including single-family residences, condominiums and two to four-unit properties. Properties with construction work in progress may not be eligible. Borrower responsible for payment of property taxes and homeowner insurance. Fees may be required for a condominium certification, multi-unit property appraisal and changes to title holder. Your home is used as security for this loan and may be lost if payments are not made. Not all applicants will qualify. Higher rates may apply depending on credit qualification. Maximum loan amount is subject to credit qualification and appraised property value. Promotional rate is subject to change without notice. Loan must fund within 30 days from application date. NMLS #454788. NMLS# 454788

2. Qualified purchases are all CU SoCal Debit and Credit Card purchases except: cash advances; balance transfers; convenience checks; quasi-cash (purchases that are directly convertible to cash such as casino gaming chips, money orders, wire transfers, travelers checks); finance charges, fees, and credit insurance, purchases made by or for a business, unauthorized/fraudulent transactions, debit card purchases for less than $1.50. Qualified debit purchases will result in one (1) point for every five dollars ($5) spent, rounded at each increment of $1.50. Bonus points are occasionally awarded for merchant specific and CU SoCal special promotions. All transactions and points are subject to verification. The point balance is the total of points awarded, less points that are deducted for returns and adjustments. If a transaction is subject to a billing dispute, the point value of the transaction may be deducted from the point balance during the dispute period. If the transaction is reinstated, the points will be reinstated.