General Program Disclosures – Costco Services: Mortgage – Purchase & Re;nancing is provided and operated by
First Choice Loan Services Inc. (NMLS# 210764), located at One Tower Center, Floor 18, East Brunswick, NJ 08816,
a wholly owned subsidiary of First Choice Bank (NMLS# 177877), a New Jersey state chartered bank; First Choice
Bank is registered or exempt from state licensing in the states it originates mortgage loans. Costco and its af;liates
do not negotiate, arrange or make mortgage loans or lines of credit. You must be a Costco member to participate
in the Mortgage Program. First Choice Loan Services Inc. is not an agency of the federal government or the HUD/
FHA. First Choice Loan Services Inc. has no af;liation with First Choice Bank, chartered and located in California.
Licensed by the N.J. Department of Banking and Insurance.
*Costco members who submit an online request and complete a mortgage application and execute their Intent
to Proceed with a preferred lender between March 5 and March 31, 2015, and subsequently qualify for, close and
fund either a purchase or re;nance residential mortgage loan (Home Equity Loans are not eligible) through the
mortgage service program will receive a $200 Reward Card from American Express. Eligible Costco member’s
gift card will be mailed to the address on ;le within 6 to 8 weeks following the completion and funding of the
Costco member’s loan. The American Express® Reward Card can be used at U.S. merchants that accept American
Express® Cards. Subject to applicable law, funds expire on the date printed on the front of the Card. No ATM
cash withdrawal. Some limitations apply, including restriction on use at cruise lines or for recurring billing. See
Cardholder Agreement for complete details. Card cannot be redeemed for cash, except where required by law.
This Card is issued pursuant to a loyalty, reward or other promotional program. Card is issued by American Express
Prepaid Card Management Corporation. American Express is not the sponsor of this promotion.
**The estimated savings is calculated over a 7 year period utilizing the following loan scenario and include both
interest and fees savings: home purchase in the state of California with a LTV - 80, Loan Amount = $250,000, Single
Family, Primary Residence, FICO = 720, Term = 30 years as of 2/28/2014. Average savings of $4,910 as of
2/28/2014 is compared to an average of national mortgage lenders in a comparative study conducted
by Informa Research Services Inc. Individual savings may vary based on a credit score, LTV, location,
and loan amount. Loan is subject to loan program guidelines and credit approval. SVC000027 0115
Spring forward and SAVE on your home loan.
Originate a Purchase or Refinancing
transaction by March 31, 2015, and receive a
$200 American Express® Reward Card.*
Costco members could save an
average of $4,900 over the typical
life of a loan.**
Costco Services: Mortgage Purchase & Refinancing
Call 1-888-297-7743 or visit
Costco.com and search: March Mortgage