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. 

BUSINESS NAME: 

CREDIT CARD NAME:  

EFFECTIVE DATE: 

CREDIT LIMIT: 

$   

 MEMBER NUMBER: 

REPLACES ADDENDUM DATED: 

Purchases: 

5.00% to 18.00%

Your  Purchase  Interest  Rate  is  variable.  The  Rate  is  based  on  your  creditworthiness  and  may  change 
automatically  from  time  to  time  according  to  the  variable  rate  terms  set  forth  in  this  Addendum.  The  Margin  is 
subject to change upon advance notice to you. 

*VARIABLE RATE

Name of Index:

Prime Rate 

Date the Index is Determined: 

Effective Date of Index: 
Current Index Value: 

The third business day prior to the end of 
each calendar quarter 
On statement cycle date 

4.25%

Margins (Amount of percentage points by which Index will be increased to determine the Interest Rate): 

Purchases: 

  percentage points 

Floor and/or Ceiling: 

Will never be less than 5.00%  

5.00%

The Interest Rates below are fixed and are subject to change upon advance notice to you. 

Cash Advances: 

Balance Transfers: 

Penalty Rate: 

18.00%

18.00%

18.00%

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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FEES:  
Transaction Fees 
- Foreign Transaction
Penalty Fees 
- Late Payment
- Over-the-Credit Limit
- Returned Payment
Other Fees 
- Document Copy
- Emergency Card Replacement
- Card Replacement
- Account Inactivity

3.00%

   of each transaction in U.S. dollars 

$29.00
$29.00
$27.00

$5.00
$85.00
$7.00
$25.00

   if no transactions within a six (6) month period 

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 Purchase Interest Rate is subject to change quarterly on the first day of the billing cycle to reflect any 
change in the Index and will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street 
Journal on the third business day prior to the end of each calendar quarter, to which we add a margin. Any increase in the 
Purchase 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. 

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 $15.00, 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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