� CUNA MUTUAL GROUP, 2006, 08, 11, ALL RIGHTS RESERVED XNMAA0 (BXCM22 )-e    
    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:  Business MasterCard EFFECTIVE DATE:  REPLACES ADDENDUM DATED: 
CREDIT LIMIT: $   
 
  
VARIABLE RATE  Name of Index: Prime Rate published in The Wall Street Journal �Money Rates� table 
 Date the Index is Determined: Third Tuesday of every month 
 Effective Date of Index: The Second billing cycle following the change in Prime Rate 
 Current Index Value: 3.25 % 
 
Margins (Amount of percentage points by which Index will be increased to determine the Interest Rate): Purchases:    7.99 % 
Cash Advances:    7.99 %  
 Balance Transfers:    7.99 % 
 
 Ceiling: Will never be more than 18.00%  
 
 Your Interest Rate is variable and may change automati cally from time to time according to the variable rate terms set forth in this Addendum.  OTHER FEES:  Stop Payment Fee: $ 29.00 Card Replacement Fee: $ 5.00 
Statement copy Fee: $ 3.00 Document Copy Fee: $ 15.00 
Returned Check Fee: $ 29.00 Rush Fee: $ 35.00 
Late Payment Fee: $25.00  
 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.  Variable Rate:  The Interest Rate for purchases, cash advances, and balance transfers is subject to change and is based on an Index rate plus additional percentage points, called the "Mar gin".  The variable interest rate is calculated by adding the current index value to the margin.  The index for your account is the highest U.S. Prime Rate as published in �Money Rates� table of The Wall Street Journal on the Third Tuesday of each month and will change on the first day of the second billing cycle following the Index publication date. 
 
If this Index ever becomes unavailable, the credit union  will choose a new Index which is based upon comparable information. 
 � CUNA MUTUAL GROUP, 2006, 08, 11, ALL RIGHTS RESERVED XNMAA0 (BXCM22 )-e  The Margin may be different for purchases, cash advances , balance transfers and any penalty rate. The Margins and Interest Rate applicable to your account are disclosed in this Addendum and may be subject to minimum and maximum Interest Rates. In any case the Interest Rate will never be greater than the maximum amount permitted by law.  Any increase in the Interest Rate will take the form of additional payments.  Method for Computing the Balance for Purchases: Average Daily Balance Including New Purchases
 
 Late Payment Fee.  $ 25.00 when minimum payment is not made by payment due date.  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 pay ments and any amount that exceeds your credit limit.