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1. Annual Percentage Rate = APR. Early closure cost reimbursement may apply—if the HELOC is closed within 36 months of the open date, the Member will reimburse CU SoCal all third party fees incurred at closing. Consult your tax advisor. Acceptable properties include single family, condominium and two-, three- or four-unit properties (as long as one unit is occupied by Member owner). Properties with construction work in progress may not be eligible. Maximum loan amount subject to credit qualification, appraised property value and Combined Loan-to-Value (CLTV). Estimated payment per $1,000 borrowed is $8.31 for a home equity loan. Rate subject to change without notice. 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.