Bethpage Federal Credit Union has joined LI Green to help provide funding to homeowners for energy-saving equipment and home improvements at reduced cost and reduced financing rates. As a partner with LI Green, Bethpage Federal Credit Union is offering all LI Green members exclusive financing opportunities. Home Equity Line of Credit Features: Introductory rate of 2.49% is fixed for the first 12 months. The introductory rate is available only for the first time home equity lines of credit on subject property. 3.99% is the regular APR that would apply if the introductory rate was not offered, for qualified borrowers. A minimum draw of 50% of the line up to $30,000, lower draw requirement at closing for LI Green product only Revolving credit line, with rates as low as Prime plus 0% for limits of up to 80% of appraised home value, less your mortgage Up to 80% of appraised home value, less your mortgage No application or closing costs on lines up to $500,000 Choice of either interest-only payment or principal and interest payment Member must provide a LI Green energy efficiency proposal and invoice from contractor Loan disbursement check will be made payable to the member and contractor who is doing work on the home Home Equity Fixed Rate Loan Features: No fees, no closing costs, up to $250,000 (amounts above $250,001-$500,000 will have closing costs.) Up to 80% LTV financing available; different rates and terms apply Term of 5 years for LI Green only Terms of 10 to 30 years are available at the current published member rate with a $10,000 minimum Loan amount Minimum loan amount $5,000 (the standard product’s minimum is $10,000) Member must provide a LI Green energy efficiency proposal and invoice from contractor Loan disbursement check will be made payable to the member and contractor who is doing work on the home Green Unsecured Loan (New Product) Loan will have an interest rate of 0.50% less than present unsecured loan Member must provide a LI Green energy efficiency proposal and invoice from contractor Loan disbursement check will be made payable to the member and contractor who is doing work on the home Maximum loan amount $30,000 To sign up for the LI Green program contact Chuck Schwartz at 631.721.1908 or email chuck@ligreen.com. APR = Annual Percentage Rate. Rates and terms accurate as of 3/1/2011. Rates and terms subject to change without notice. Other terms and rates available. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Hazard Insurance required on all loans secured by real property; flood insurance may also be required. HELOCs up to $500,000 are available in New York. For properties located in other states, the maximum HELOC is $250,000 at 70%, except AZ, CA, FL, NV, and MI, where LTV = 60%. Home Equities are not available in Texas. No closing costs on HELOCs up to $500,000 by members, closing costs paid by the credit union must be repaid by the borrower(s) if the line is closed within the first 36 months. HELOC is a variable rate product with a maximum APR of 18%. The 2.49% 12-month Introductory Rate requires automatic payment from a Bethpage checking account. 3.99% is the regular APR that would apply if this special rate was not offered. The regular rate after the introductory period is prime or 3.99% APR, whichever is higher, currently 3.99% APR. To receive the best rate after the introductory period, an initial disbursement at closing ($30,000 for loans up to $250,000, $40,000 for loans over $250,000) and a minimum outstanding balance of $25,000 for 12 months from date of closing required. To avoid closing costs (estimated at $378 - $6,413) HELOCs of $250,001 to $500,000 must take minimum draw of $40,000 at closing. When the loan is not repaid through our electronic preferred payment program, the 12-month Introductory APR is 2.74%. Introductory rate does not apply to existing Bethpage home equity refinances. There is a $500 application fee to refinance an existing Bethpage home equity to receive the introductory rate. tConsult your tax advisor about the deductibility of interest. Prime rate as of 1/3/2011 = 3.25%. Membership conditions may apply.

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Membership is open to anyone who lives, works, worships, attends school,regularly conducts business in Nassau or Suffolk County, or is an immediate family member of a current member.

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