2 General Program Disclosures: Mortgage
lead generation, and/or originations are provided
by or through Berkshire Bank (NMLS# 506896)
and its wholly owned subsidiary First Choice
Loan Services Inc. (NMLS #210764), located at
One Tower Center, Floor #18, East Brunswick,
NJ 08816. Berkshire Bank and First Choice Loan
Services Inc. are licensed, registered, or exempt
from state licensing in the states in which they
originate mortgage loans or lines of credit.
First Choice Loan Services Inc. is licensed by
the N.J. Department of Banking and Insurance,
and licensed by the Department of Business
Oversight under the California Residential
Mortgage Lending Act. AZ BK #0918586. Loans
in NY and PR are originated by Berkshire Bank.
Berkshire Bank is an FDIC insured Massachusetts
chartered bank. Berkshire Hills Bancorp (NYSE:
BHLB) is the parent of Berkshire Bank. First
Choice Loan Services Inc. has no affiliation
with First Choice Bank, chartered and located in
California. Costco and its affiliates do not take
loan applications, offer, negotiate, arrange or
make mortgage loans or lines of credit. Costco
does not guarantee products or services offered
by First Choice Loan Services Inc. Costco is not
affiliated with First Choice or any participating
lender. Costco does not endorse and is not
responsible for any of the activities of First
Choice or any of the participating lenders.
3 Costco and its affiliates do not sell automobiles,
motorcycles, powersports, RVs or mobility
vehicles or negotiate individual transactions.
All vehicles arranged for sale are subject to
availability and a price prearranged with the
participating franchised dealer. A participation fee
is paid by the dealers participating in the Costco
Auto Program. Certain vehicles may be excluded
from the program. Actual savings may vary based
on vehicle purchased, dealer and location.
4 15% discount only applies to work done at
participating service centers, not Costco Tire
Centers. It cannot be used toward the purchase
of air bags, oil changes, tires, state-mandated
vehicle inspections or be combined with other
promotions or incentives. Not applicable to 1)
prior services, parts or work; 2) items covered
by a vehicle’s warranty or insurance policy; 3)
or at the time of vehicle purchase or lease. Not
all Costco Auto Program dealerships currently
participate in this benefit. Maximum savings per
coupon: $500. Costco member must pay sales
tax and tax is charged on the purchase amount
prior to discount where required.
5 Costco and its affiliates do not sell the water
or provide the equipment and/or delivery services
associated with this program. All new accounts
are subject to a price prearranged with the
vendor. Certain products or services may be
excluded from the program. Actual savings may
vary based on water delivered and equipment
leased and/or purchased.
6 Ameriprise Auto & Home Insurance is
the marketing name of IDS Property
Casualty Insurance Company and
Ameriprise Insurance Company, De
Pere, WI, both of which have sole financial
responsibility for their own products.
Insurance is underwritten by either company,
depending on the state. The Ameriprise Auto
& Home Insurance Agency places policies with
unaffiliated insurers. Each insurer is solely
responsible for the claims on its policies and pays
the Agency for policies sold. Prices, coverages
and privacy policies vary among these insurers.
Both companies and the agency are subsidiaries
of Ameriprise Financial, Inc. Specific products
may vary and may not be available in all states
in accordance with state filings and applicable
law. Costco Insurance Agency, Inc. is not licensed
in New York state. Insurance products are not
obtained through the Costco Insurance Agency
in New York. Discounts and savings vary by
state and apply to certain coverages. Insurance
availability may vary by region or state. Certain
restrictions and limitations apply. IDS Property
Casualty Insurance Company’s California license
number is 3726-7. Costco Insurance Agency, Inc.’s
California license number is 0D08407. Costco
Wholesale, Costco Insurance Agency, Inc. and
its subsidiaries do not underwrite insurance,
pay claims or guarantee any of the products or
services offered by Ameriprise Auto & Home
7 Acceptance for coverage and pricing is subject
to eligibility and underwriting criteria. Member
Advantage Life® (ICC12-UL22/UL- 22), is a
universal life insurance policy issued exclusively
to Costco members by Protective Life Insurance
Company (PLICO), Birmingham, AL. Not available
in New York. Policy form numbers, product
features and availability may vary by state.
Consult policies for benefits, riders, limitations,
and exclusions. Coverage and pricing is subject
to eligibility and underwriting criteria. Up to
a two-year contestable and suicide period.
Benefits adjusted for misstatements of age or
sex. In Montana, unisex rates apply. Any quote
that is present is only an estimate and the actual
premium and rate class will be determined after
the underwriting process is completed. Costco
Insurance Agency, Inc. and Costco Wholesale
do not issue, underwrite insurance or pay claims
under PLICO policies. Insurance is underwritten
Costco Insurance Agency, Inc. (CIA), a licensed
insurance agent, may receive compensation
from PLICO and/or its affiliates. CIA and its
affiliates do not guarantee the services of any
insurance company. PLICO and its affiliates are
separate, independent of and distinct from CIA.
CIA is not responsible for the financial condition
or obligations of PLICO. The California license
number for Protective is 07726. The California
license number for Costco Insurance Agency is
8 Program available to Costco members in AZ,
CA, FL, MD, NV, OR, PA, TX and WA. Delta Dental
Insurance Company acts as the DeltaCare USA
administrator in all available states. DeltaCare
USA is underwritten in these states by these
entities: AZ — Alpha Dental of Arizona, Inc.;
CA — Delta Dental of California; FL — Delta
Dental Insurance Company; MD, TX — Alpha
Dental Programs, Inc.; NV — Alpha Dental of
Nevada, Inc.; OR, WA — Dentegra Insurance
Company; PA — Delta Dental of Pennsylvania.
These companies are financially responsible for
their own products. Delta Dental® is a registered
mark of Delta Dental Plans Association.
In Florida, Delta Dental Insurance Company
provides DeltaCare USA Plan benefits
as a Prepaid Limited Health Service
Organization as described in Chapter 636
of the Florida Statutes.
Costco Insurance Agency CA License #: 0D08407.
9 Service provided by Intermedia.
11 Service provided by Harland Clarke®. Harland
Clarke® is a registered trademark of Harland
Clarke Corp. All rights reserved. Prices, image
specifications, and availability subject to change
without notice from CostcoLogoProducts.com.
See website for terms and conditions. Displayed
pricing excludes setup, tax and shipping fees.
Setup fees vary by product type.
13 The MESVision® Benefit Plan is exclusive to
Costco members, and is offered and administered
by MESVision with underwriting provided by
various companies. This service is currently
available to Costco members in AK, AL, AZ, CA,
CO, CT, DE, GA, HI, ID, IA, IL, KY, LA, MD, MI,
MN, ND, NE, NH, NM, NV, NY (limited areas), OH,
OR, PA, SC, SD, TN, TX, UT, V T, WA, WI and the
District of Columbia. Costco Insurance Agency,
Inc.’s CA License is 0D08407.
14 Costco Insurance Agency, Inc. is a licensed
insurance agent. Insurance plans are offered
by licensed insurance companies or health
maintenance organizations. Health insurance
plans on the Costco Health Insurance Marketplace
are brokered and/or serviced by CBC Benefit
& Insurance Services; CA License #: 0D75486.
Costco Insurance Agency does not underwrite
insurance or pay claims. Costco Insurance Agency,
Inc.’s California license number is 0D08407.