BUSINESS CREDIT CARD ADDENDUM 

This addendum is incorporated into and becomes part of your LOANLINERﬁ Business Credit Card Agreement. 
Please keep this attached to your LOANLINERﬁ Business Credit Card Agreement. 

Business MasterCard
CREDIT CARD NAME:   Business MasterCard 

EFFECTIVE DATE: 

CREDIT LIMIT: 

$   

REPLACES ADDENDUM DATED: 

VARIABLE RATE  

Name of Index: 

Date the Index is Determined: 
Effective Date of Index: 

Current Index Value: 

Prime Rate published in The Wall 
Prime Rate published in The Wall Street 
Street Journal "Money Rates" table
Journal (cid:147)Money Rates(cid:148) table 
Third Tuesday of every month
Third Tuesday of every month 
The Second billing cycle following 
The Second billing cycle following the 
the change in Prime Rate
change in Prime Rate 
3.50%
3.25 % 

Margins (Amount of percentage points by which Index will be increased to determine the Interest Rate): 

Purchases: 
Cash Advances: 
Balance Transfers: 

Ceiling: 

4.99%
4.99%
4.99%

7.99 % 
7.99 % 
7.99 % 

Will never be more than 18.00%
Will never be more than 18.00%  

Your Interest Rate is variable and may change automatically from time to time according to the variable rate 
terms set forth in this Addendum. 

OTHER FEES:  
Stop Payment Fee: 
Statement copy Fee: 
Returned Check Fee: 
Late Payment Fee: 

$29.00
$ 29.00 
$ 3.00
$ 3.00 
$25.00
$ 29.00 
$25.00
$25.00 

Card Replacement Fee: 
Document Copy Fee: 
Rush Fee: 

$ 5.00
$ 5.00 
$15.00
$ 15.00 
$35.00
$ 35.00 

Balance Transfers (cid:150) 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 "Margin".  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 (cid:147)Money Rates(cid:148) 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 

March 18, 2022

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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 payments and any amount that exceeds your credit limit. 

' CUNA MUTUAL GROUP, 2006, 08, 11, ALL RIGHTS RESERVED 

March 18, 2022

XNMAA0 (BXCM22 )-e