BUSINESS CREDIT CARD ADDENDUM 

This addendum is incorporated into and becomes part of your LOANLINER® Business Credit Card Agreement.
Please keep this attached to your LOANLINER® Business Credit Card Agreement.

CREDIT CARD NAME:  

EFFECTIVE DATE: 

CREDIT LIMIT: 

$  

INTEREST RATE 

Purchases:  Variable Rate* 

Cash Advances:  Variable Rate* 

Balance Transfers:  Variable Rate* 

REPLACES ADDENDUM DATED: 

     % 

     % 

     % 

VARIABLE RATE* 

Name of Index: 

Prime Rate 

Date the Index is Determined: 

First day of each calendar quarter (January, 
April, July, and October) 

Effective Date of Index: 

Current Index Value: 

On statement cycle date 

     % 

Margins (Amount of percentage points by which Index will be increased to determine the Interest Rate): 

Purchases: 

Cash Advances: 
Balance Transfers: 

Ceiling: 

 percentage points 

 percentage points 
 percentage points 

Will never be more than 

 %. 

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 change on the first day of the billing cycle quarterly to 
reflect  any  change  in  the  Index  and  will  be  determined  by  the  Prime  Rate  on  the  first  business  day  of  each  calendar 
quarter (January, April, July, and October) of each year 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 longer available, the Credit Union will choose a new index which 
is based upon comparable information. 

Fees 
Transaction Fees 
-  Foreign Transaction 
Penalty Fees 
-  Late Payment  
-  Returned Payment  
- Over-the-Credit Limit 
Other Fees 
-  Card Replacement 
-  Document Copy 
-  Rush Card Fee 
-  Rush Pin (Mailer) Fee 

     % of each transaction in U.S. dollars. 

Up to $    
$    
$    

$    
$    
$    
$    

 issued for any reason. 
 for each copy of sales draft or statement that you request. 
 Standard Rush; $              same day. 

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Method for Computing the Balance for Purchases: Average Daily Balance (Including New Purchase). 

Balance Transfers: We may  permit  you  to transfer the balance of an  account  that  you owe to  another creditor to  your 
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. 

Minimum Payment: Your monthly payment will be               % of your total new balance, or $              , whichever is 
greater  plus  outstanding  unpaid  fees  and  charges,  all  prior  unpaid  payments  and  any  amount  that  exceeds  your  credit 
limit. 

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