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:  

Purchases:  Variable Rate* 

Balance Transfers: 

 Variable Rate* 

Cash Advances: 

 Variable Rate* 

Penalty: 

CREDIT LIMIT:  

INTEREST RATE 

12.24
           % 
This interest rate will vary with the index. 

12.24
           % 
This interest rate will vary with the index. 

21.24
           % 
This interest rate will vary with the index. 

21.99
           % 
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: 

Date the Index is Determined: 
Effective Date of Index: 
Current Index Value: 

Prime Rate as published in The Wall Street 
Journal <Money Rates= table 
20th business day of the previous month 
1st business day of the next billing cycle 

5.50

Margins (Amount of percentage points by which Index will be increased to determine the Interest Rate): 

Purchases: 
Balance Transfers 
Cash Advances: 

6.74
15.74

                 percentage points 
                 percentage points 
                 percentage points 

6.74

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 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 longer available, the Credit Union will choose a new index which is based upon comparable information 

Fees 
Annual Fees 
-  Annual 
Transaction Fees  
-   Cash Advance 

-   Foreign Transaction 

None 

$5.00 or 3.00% of the amount of each cash advance, whichever is 
greater 
1.00% of each transaction in U.S. dollars 

© CUNA Mutual Group, 2006, 08, 19 ALL RIGHTS RESERVED  

                        03413076-BXCV2-C-1-041521 (BXCV24)-E 

 
 
 
 
 
 
 
 
                                                                                                                                                                          
 
 
        
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
Penalty Fees  
-   Late Payment 

-   Returned Payment 
Other Fees  
-  Rush 

Up  to  $35.00  when  the  minimum  payment  is  not  made  within  two  (2) 
days of the payment due date  
Up to $10.00 

$18.00 

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. 

Method for Computing 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 charges, 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 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  $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. 

© CUNA Mutual Group, 2006, 08, 19 ALL RIGHTS RESERVED  

                        03413076-BXCV2-C-1-041521 (BXCV24)-E