� CUNA Mutual Group, 2006, 08 , 19 ALL RIGHTS RE SERVED                                 03413076 -BXCV2 -C-1-041521 (BXCV24)-E 
                                                                                                                                                                          
 
 
        
  
 
 
BUSINESS CREDIT CARD ADDENDUM  
 
This addendum is incorporated into and be comes part of your  LOANLINER� Business Credit Card Agreement.  
Please keep this attached to your LOANLINER� Business Credit Card Agreement.  
CREDIT CARD NAME:   CREDIT LIMIT :  
 
   INTEREST RATE  
    
Purchases:  Variable Rate*              % 
This interest rate will vary with the  index . 
    
Balance Transfers :  Variable Rate*              % 
This interest rate  will vary with th e index.  
    
Cash Advances:   Variable Rate*              % 
This interest rate  will vary with the index.  
    
Penalty:               % 
Fixed Rate  
 
Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment.  
 
VARIABLE RATE*  Name of Index:  Prime Rate as published in The Wall Street 
Journal �Money Rates� table  
 Date th e Index is Determined:  20th business day of the previous month  
 Effective Date of Index:  1st business day o f the next billing cycle  
 Current Index Val ue:   
 
Margins (Amount of percentage points by which Index will be increased to determine the Interest  Rate):  
 
 Purchases:                   percentage points  
Balance Transfers                   percentage points  
Cash Ad vances:                   percentage points  
 
Your Interest Rate is variable and may change automatically from time to time according to the variable rate 
terms set forth in this Addendum.  The Interest Rate is subject to cha nge on the first day of the billing cycle monthly to 
reflect any change in the Index and will be determined by the Prime Rate on Prime Rate on the 20th business day of the 
previous month as published in The Wall Street Journal  "Money Rates" table to which we add a margin. Any increase  in 
the Interest Rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the 
Index is no lon ger available, the Credit Union will choose a new index which is based upon comparable info rmation  
 
 
 
Fees  
Annual Fees   
-  Annual  None  
Transaction Fees    
-  Cash Advance  $5.00 or 3.00% of the amount of each cash advance, whichever is 
greater  
-  Foreign Transaction  1.00% of each transaction in U.S. dollars    
 
� CUNA Mutual Group, 2006, 08 , 19 ALL RIGHTS RE SERVED                                 03413076 -BXCV2 -C-1-041521 (BXCV24)-E 
Penalty Fees    
-  Late Payment  Up to $35.00 when  the minimum payment is not made within two (2) 
days of the payment due date  
-  Returned Payment  Up to $10.00  
Other Fees    
-  Rush  $18.00  
 
Balance Transfers . We may permit you to transfer the balance of an account that you owe to another creditor to y our 
account with us. If we approve a balance transfer, finance charges will be calculated and will accrue according to the 
same method as for cash  advances.  
Meth od for Comp uting the Balance for Purchases.  Average Daily Balance (Including New Purchases ) 
Minimum Payment.  Your monthly payment will be  2.50%  of your total new balance,  or $25.00 , whichever is greater plus 
outstanding unpaid fees and charg es, all prior unpaid payments and any amount that exceeds your credit limit.  
OTHER DISCLOSURES:  
Late Payment Fee :  
For balances of $250.00 or less, you will be charged $15.00 or the amount  of the  required minimum payment, if you ar e 
one (1) or more days lat e in making a payment. In the event you fail to make a payment in any of the six  (6) billing cycles 
following the violation, you will be charged $25.00 or the amount of the required minimum payment. For balances of 
$250.01 or greater, you will be charged $ 25.00 or the amount of the required minimum payment, if you are one (1) or 
more days late in making a payment. In the event you fail to make a payment in any of the six (6) billing cycles following 
the violation, you will be charged $35.00 or the amount of  the required minimum payment.  
 
Returned Payment Fee :  
$10.00 or the amount of the required minimum payment, whichever is less.