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. 

BUSINESS CREDIT CARD ADDENDUM 

CREDIT CARD NAME:  

Purchases: 

Variable Rate* 

Cash Advances: 

Variable Rate* 

Balance Transfers: 

Variable Rate* 

VARIABLE RATE* 

Name of Index: 

Date the Index is Determined: 

Effective Date of Index: 

Current Index Value: 

INTEREST RATE 
XXXXXXXX% 

XXXXXXXX% 

XXXXXXXX% 

Prime Rate as published in The Wall Street 
Journal “Money Rates” table. 
Last billing day of each quarter preceding the 
effective date. 
1st day of the billing cycle quarterly (January, 
April, July, October). 
XXXXXXXX% 

Margins (Amount of percentage points by which Index will be increased to determine the Interest Rate): 

Purchases: 
Cash Advances: 
Balance Transfers: 

6.50 
6.50 
6.50 

 percentage points 
 percentage points 
 percentage points 

Ceiling: 

Will never be more than XXXXXXXX%.  

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 
(January, April, July, and October) to reflect any change in the Index and will be determined by the Prime Rate on the last 
billing cycle day of each quarter preceding the effective date as published in The Wall Street Journal "Money Rates" table 
to which we add a margin. The Interest Rate will never be greater than 18.00%. 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. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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Fees 
Transaction Fees 
-  Foreign Transaction 
Penalty Fees 
-  Late Payment 

-  Returned Payment 
Other Fees 
- Card Replacement Fee 
-  Rush Fee 
-  Emergency Card replacement fee 
-  On-Demand ACH payment fee 

1.00% of each transaction in U.S. dollars 

$10.00 when minimum payment is not made within fifteen (15) days of 
payment due date  
$25.00 per item 

$10.00 for each replacement card you request 
$50.00 
$150.00 
$10.00 

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 Minimum Payment Due is 1.00% of Your total New Balance, or $10.00, whichever is greater, 
plus any outstanding unpaid fees and charges, all prior unpaid payments, and any amount by which You have exceeded 
Your applicable credit limit. If Your total New Balance is less than $10.00, then Your Minimum Payment Due is the amount 
of the total New Balance. 

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. 

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