Common use of SPECIAL Clause in Contracts

SPECIAL. NOTICE If you pay your credit card balance in full each month, you do not pay interest on your purchases. This is called a grace period. You will pay interest on any purchases (including recurring automatic payments) unless you pay your entire balance (including both transferred balances and purchase balances) in full. Introductory Offer Receive $300 Cash Back when you spend $3,000* within the first 3 months after account opening. You will accrue 1.5% Cash Back and the Introductory Offer simultaneously *Balance Transfers & Cash Advances are not qualifying purchases for Cash Back offers. BECU CONSUMER LENDING RATES & RELATED DISCLOSURES – CREDIT CARDS Rate Schedule Effective June 1, 2021 BECU Visa® INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for twelve (12) months from date of account opening. After that, your APR will be 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening. After that, your APR will be 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx FEES Annual Fee None Transaction Fees Balance Transfer Cash Advance Foreign Transaction None None None Penalty Fees Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance We use a method called “average daily balance (including new purchases).” See your Agreement for more details. How We Will Calculate Your Rate After any applicable introductory rate period ends, we will establish a margin of 4.74% to 16.74% based on your creditworthiness, and add this margin to the Prime Rate to determine your APR. Your APR and margin will be stated in a Credit Voucher provided to you if you open a credit card account under your Credit and Security Agreement.

SPECIAL. NOTICE If you pay your credit card balance in full each month, you do not pay interest on your purchases. This is called a grace period. You will pay interest on any purchases (including recurring automatic payments) unless you pay your entire balance (including both transferred balances and purchase balances) in full. Introductory Offer Receive $300 Cash Back when you spend $3,000* within the first 3 months after account opening. You will accrue 1.5% Cash Back and the Introductory Offer simultaneously simultaneously. After the Introductory Offer period ends, you will accrue 1.5% Cash Back only. *Balance Transfers & Cash Advances are not qualifying purchases for Cash Back offers. BECU CONSUMER LENDING RATES & RELATED DISCLOSURES – CREDIT CARDS Rate Schedule Effective June October 1, 2021 BECU Visa® INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for twelve (12) months from date of account opening. After that, your APR will be 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening. After that, your APR will be 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx FEES Annual Fee None Transaction Fees Balance Transfer Cash Advance Foreign Transaction None None None Penalty Fees Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance We use a method called “average daily balance (including new purchases).” See your Agreement for more details. How We Will Calculate Your Rate After any applicable introductory rate period ends, we will establish a margin of 4.74% to 16.74% based on your creditworthiness, and add this margin to the Prime Rate to determine your APR. Your APR and margin will be stated in a Credit Voucher provided to you if you open a credit card account under your Credit and Security Agreement.

SPECIAL. NOTICE If you pay your credit card balance in full each month, you do not pay interest on your purchases. This is called a grace period. You will pay interest on any purchases (including recurring automatic payments) unless you pay your entire balance (including both transferred balances and purchase balances) in full. Introductory Offer Receive $300 Cash Back when you spend $3,000* within the first 3 months after account opening. You will accrue 1.5% Cash Back and the Introductory Offer simultaneously simultaneously. After the Introductory Offer period ends, you will accrue 1.5% Cash Back only. *Balance Transfers & Cash Advances are not qualifying purchases for Cash Back offers. BECU CONSUMER LENDING RATES & RELATED DISCLOSURES – CREDIT CARDS Rate Schedule Effective June July 1, 2021 BECU Visa® INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for twelve (12) months from date of account opening. After that, your APR will be 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening. After that, your APR will be 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx FEES Annual Fee None Transaction Fees Balance Transfer Cash Advance Foreign Transaction None None None Penalty Fees Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance We use a method called “average daily balance (including new purchases).” See your Agreement for more details. How We Will Calculate Your Rate After any applicable introductory rate period ends, we will establish a margin of 4.74% to 16.74% based on your creditworthiness, and add this margin to the Prime Rate to determine your APR. Your APR and margin will be stated in a Credit Voucher provided to you if you open a credit card account under your Credit and Security Agreement.

SPECIAL. NOTICE If you pay your credit card balance in full each month, you do not pay interest on your purchases. This is called a grace period. You will pay interest on any purchases (including recurring automatic payments) unless you pay your entire balance (including both transferred balances and purchase balances) in full. Introductory Offer Receive $300 Cash Back when you spend $3,000* within the first 3 months after account opening. You will accrue 1.5% Cash Back and the Introductory Offer simultaneously simultaneously. After the Introductory Offer period ends, you will accrue 1.5% Cash Back only. *Balance Transfers & Cash Advances are not qualifying purchases for Cash Back offers. BECU CONSUMER LENDING RATES & RELATED DISCLOSURES – CREDIT CARDS Rate Schedule Effective June October 1, 2021 2023 BECU Visa® INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for twelve (12) months from date of account opening. After that, your APR will be 7.9913.24% to 19.9925.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening. After that, your APR will be 7.9913.24% to 19.9925.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 7.9913.24% to 19.9925.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx FEES Annual Fee None Transaction Fees Balance Transfer Cash Advance Foreign Transaction None None None Penalty Fees Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance We use a method called “average daily balance (including new purchases).” See your Agreement for more details. How We Will Calculate Your Rate After any applicable introductory rate period ends, we will establish a margin of 4.74% to 16.74% based on your creditworthiness, and add this margin to the Prime Rate to determine your APR. Your APR and margin will be stated in a Credit Voucher provided to you if you open a credit card account under your Credit and Security Agreement.

SPECIAL. NOTICE If you pay your credit card balance in full each month, you do not pay interest on your purchases. This is called a grace period. You will pay interest on any purchases (including recurring automatic payments) unless you pay your entire balance (including both transferred balances and purchase balances) in full. Introductory Offer Receive $300 Cash Back when you spend $3,000* within the first 3 months after account opening. You will accrue 1.5% Cash Back and the Introductory Offer simultaneously simultaneously. After the Introductory Offer period ends, you will accrue 1.5% Cash Back only. *Balance Transfers & Cash Advances are not qualifying purchases for Cash Back offers. BECU CONSUMER LENDING RATES & RELATED DISCLOSURES – CREDIT CARDS Rate Schedule Effective June November 1, 2021 2023 BECU Visa® INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for twelve (12) months from date of account opening. After that, your APR will be 7.9913.24% to 19.9925.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening. After that, your APR will be 7.9913.24% to 19.9925.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 7.9913.24% to 19.9925.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx FEES Annual Fee None Transaction Fees Balance Transfer Cash Advance Foreign Transaction None None None Penalty Fees Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance We use a method called “average daily balance (including new purchases).” See your Agreement for more details. How We Will Calculate Your Rate After any applicable introductory rate period ends, we will establish a margin of 4.74% to 16.74% based on your creditworthiness, and add this margin to the Prime Rate to determine your APR. Your APR and margin will be stated in a Credit Voucher provided to you if you open a credit card account under your Credit and Security Agreement.

SPECIAL. NOTICE If you pay your credit card balance in full each month, you do not pay interest on your purchases. This is called a grace period. You will pay interest on any purchases (including recurring automatic payments) unless you pay your entire balance (including both transferred balances and purchase balances) in full. Introductory Offer Receive $300 Cash Back when you spend $3,000* within the first 3 months after account opening. You will accrue 1.5% Cash Back and the Introductory Offer simultaneously simultaneously. After the Introductory Offer period ends, you will accrue 1.5% Cash Back only. *Balance Transfers & Cash Advances are not qualifying purchases for Cash Back offers. BECU CONSUMER LENDING RATES & RELATED DISCLOSURES – CREDIT CARDS Rate Schedule Effective June February 1, 2021 2024 BECU Visa® INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for twelve (12) months from date of account opening. After that, your APR will be 7.9913.24% to 19.9925.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening. After that, your APR will be 7.9913.24% to 19.9925.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 7.9913.24% to 19.9925.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx FEES Annual Fee None Transaction Fees Balance Transfer Cash Advance Foreign Transaction None None None Penalty Fees Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance We use a method called “average daily balance (including new purchases).” See your Agreement for more details. How We Will Calculate Your Rate After any applicable introductory rate period ends, we will establish a margin of 4.74% to 16.74% based on your creditworthiness, and add this margin to the Prime Rate to determine your APR. Your APR and margin will be stated in a Credit Voucher provided to you if you open a credit card account under your Credit and Security Agreement.

SPECIAL. NOTICE If you pay your credit card balance in full each month, you do not pay interest on your purchases. This is called a grace period. You will pay interest on any purchases (including recurring automatic payments) unless you pay your entire balance (including both transferred balances and purchase balances) in full. Introductory Offer Receive $300 Cash Back when you spend $3,000* within the first 3 months after account opening. You will accrue 1.5% Cash Back and the Introductory Offer simultaneously simultaneously. After the Introductory Offer period ends, you will accrue 1.5% Cash Back only. *Balance Transfers & Cash Advances are not qualifying purchases for Cash Back offers. BECU CONSUMER LENDING RATES & RELATED DISCLOSURES – CREDIT CARDS Rate Schedule Effective June January 1, 2021 2024 BECU Visa® INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for twelve (12) months from date of account opening. After that, your APR will be 7.9913.24% to 19.9925.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening. After that, your APR will be 7.9913.24% to 19.9925.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 7.9913.24% to 19.9925.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx FEES Annual Fee None Transaction Fees Balance Transfer Cash Advance Foreign Transaction None None None Penalty Fees Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance We use a method called “average daily balance (including new purchases).” See your Agreement for more details. How We Will Calculate Your Rate After any applicable introductory rate period ends, we will establish a margin of 4.74% to 16.74% based on your creditworthiness, and add this margin to the Prime Rate to determine your APR. Your APR and margin will be stated in a Credit Voucher provided to you if you open a credit card account under your Credit and Security Agreement.

SPECIAL. NOTICE If you pay your credit card balance in full each month, you do not pay interest on your purchases. This is called a grace period. You will pay interest on any purchases (including recurring automatic payments) unless you pay your entire balance (including both transferred balances and purchase balances) in full. Introductory Offer Receive $300 Cash Back when you spend $3,000* within the first 3 months after account opening. You will accrue 1.5% Cash Back and the Introductory Offer simultaneously simultaneously. After the Introductory Offer period ends, you will accrue 1.5% Cash Back only. *Balance Transfers & Cash Advances are not qualifying purchases for Cash Back offers. BECU CONSUMER LENDING RATES & RELATED DISCLOSURES – CREDIT CARDS Rate Schedule Effective June November 1, 2021 BECU Visa® INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for twelve (12) months from date of account opening. After that, your APR will be 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening. After that, your APR will be 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx FEES Annual Fee None Transaction Fees Balance Transfer Cash Advance Foreign Transaction None None None Penalty Fees Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance We use a method called “average daily balance (including new purchases).” See your Agreement for more details. How We Will Calculate Your Rate After any applicable introductory rate period ends, we will establish a margin of 4.74% to 16.74% based on your creditworthiness, and add this margin to the Prime Rate to determine your APR. Your APR and margin will be stated in a Credit Voucher provided to you if you open a credit card account under your Credit and Security Agreement.

SPECIAL. NOTICE If you pay your credit card balance in full each month, you do not pay interest on your purchases. This is called a grace period. You will pay interest on any purchases (including recurring automatic payments) unless you pay your entire balance (including both transferred balances and purchase balances) in full. Introductory Offer Receive $300 Cash Back when you spend $3,000* within the first 3 months after account opening. You will accrue 1.5% Cash Back and the Introductory Offer simultaneously simultaneously. After the Introductory Offer period ends, you will accrue 1.5% Cash Back only. *Balance Transfers & Cash Advances are not qualifying purchases for Cash Back offers. BECU CONSUMER LENDING RATES & RELATED DISCLOSURES – CREDIT CARDS Rate Schedule Effective June August 1, 2021 BECU Visa® INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for twelve (12) months from date of account opening. After that, your APR will be 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening. After that, your APR will be 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx FEES Annual Fee None Transaction Fees Balance Transfer Cash Advance Foreign Transaction None None None Penalty Fees Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance We use a method called “average daily balance (including new purchases).” See your Agreement for more details. How We Will Calculate Your Rate After any applicable introductory rate period ends, we will establish a margin of 4.74% to 16.74% based on your creditworthiness, and add this margin to the Prime Rate to determine your APR. Your APR and margin will be stated in a Credit Voucher provided to you if you open a credit card account under your Credit and Security Agreement.

SPECIAL. NOTICE If you pay your credit card balance in full each month, you do not pay interest on your purchases. This is called a grace period. You will pay interest on any purchases (including recurring automatic payments) unless you pay your entire balance (including both transferred balances and purchase balances) in full. Introductory Offer Receive $300 Cash Back when you spend $3,000* within the first 3 months after account opening. You will accrue 1.5% Cash Back and the Introductory Offer simultaneously simultaneously. After the Introductory Offer period ends, you will accrue 1.5% Cash Back only. *Balance Transfers & Cash Advances are not qualifying purchases for Cash Back offers. BECU CONSUMER LENDING RATES & RELATED DISCLOSURES – CREDIT CARDS Rate Schedule Effective June September 1, 2021 BECU Visa® INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for twelve (12) months from date of account opening. After that, your APR will be 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening. After that, your APR will be 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 7.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxx FEES Annual Fee None Transaction Fees Balance Transfer Cash Advance Foreign Transaction None None None Penalty Fees Late Payment Returned Payment Up to $25 Up to $25 How We Will Calculate Your Balance We use a method called “average daily balance (including new purchases).” See your Agreement for more details. How We Will Calculate Your Rate After any applicable introductory rate period ends, we will establish a margin of 4.74% to 16.74% based on your creditworthiness, and add this margin to the Prime Rate to determine your APR. Your APR and margin will be stated in a Credit Voucher provided to you if you open a credit card account under your Credit and Security Agreement.