Loanliner Addendum

INSTRUCTIONS

This addendum is incorporated into and becomes a part of your LOANLINER Credit Agreement. Please keep this attached to your LOANLINER Credit Agreement.

The ANNUAL PERCENTAGE RATES, corresponding daily periodic rates and amount and due date of payments for each loan subaccount are shown below. If there is no payment schedule, the amount and due date of payments will be determined at the time of each advance and disclosed on the Advance Request Voucher. Other charges that may be imposed are also shown below (i.e., late charges, filing fees, collection costs).

Effective DateREPLACES ADDENDUM DATED
1-1-0810-1-07

Subaccount
Description 		Approx. Term Fixed Daily Periodic Rate Fixed ANNUAL PERCENTAGE RATE Variable Rate Daily Periodic Rate Variable Rate ANNUAL PERCENTAGE RATE Variable Rate % Above Index
Signature up to 24 months
25 to 36 months

2.326027% to 4.860273%
2.534246% to 4.931506%

8.49% to 17.74%

9.25% to 18.00%

2.052045% to 4.586301%
2.260273% to 4.794520%

 7.49% to 16.74%

8.25% to 17.50%

 4.21 to 13.46%

4.97 to 14.22%
Signature 37 to 48 months
49 to 60 months

2.739726% to 4.931506%
2.945205% to 4.931506%

10.00% to 18.00%

10.75% to 18.00%

2.4657535% to 4.931506%
2.671232% to 4.931506%

 9.00% to 18.00%

9.75% to 18.00%

 5.72 to 14.72%

6.47 to 14.72%
Home Advantage Loan up to 84 months
85 to 120 months

1.8904109% to 4.424657%
2.1643835% to 4.698630%

6.90% to 16.15%

7.90% to 17.15%

N/A
N/A
New Auto new to 3 years old

 

 

2005 to 2008

49 to 66 months

67 to 72 months

1.421917% to 3.956164%

 

1.6958909% to 4.230136%

5.19% to 14.44%

6.19%
15.44%

1.150684% to 3.682191%

 

1.421917% to 3.956164%
4.20% to 13.45%

 

5.19% to
14.44%
.92 to 10.17%

 

1.91 to 11.16%
Used Auto
2001 to 2004 		up to 48 months

1.465753% to 4.0000000%

5.35% to 14.60%

1.219178% to 3.753424%

4.45% to 13.70%

1.17 to 10.42%
Used Auto
2001 to 2004 		up to 60 months 1.739726% to 4.273972%

6.35% to
15.60%

 1.465753% to 4.0000000%

5.35% to
14.60%

2.07 to 11.32%
1999 to 2000 up to 36 months 1.904100% to 4.438350%

6.95% to
16.20%

 1.630130% to 4.164380%

5.95% to
15.20%

2.67 to 11.92%
1999 to 2000 up to 48 months 2.054790% to 4.589040%

7.50% to
16.75%

 1.780820% to 4.315060%

6.50% to
15.75%

3.22 to 12.47%
Home Advantage Loan
Auto new to 2 yrs. old

up to 66 months

67 to 84 months

 1.627397% to 4.161643%

1.901369% to 4.435616%

5.49% to 15.19%

6.94% to 16.19%

N/A
N/A
N/A
Home Advantage Loan 

RV new to 2 yrs. old

up to 60 months

up to 84 months 

up to 120 months

2.189041% to 4.723287%

2.463013% to 4.654794%

2.736986% to 4.928767%

7.99% to 17.24%

8.99% to 16.99%

9.99% to 17.99%

N/A
N/A
New RV

up to 60 months

61 to 84 months

85 to 120 months

1.778082% to 4.312328%

2.189041% to 4.723287%

2.463013% to 4.931506%

6.49% to 15.74%

7.99% to 17.24%

8.99% to
18.00%

1.504109% to 4.038356%

1.915068% to 4.449315%

2.189041% to 4.723287%

5.49% to 14.74%

6.99% to 16.24%

7.99% to
17.24%

2.21 to 11.46%

3.71 to 12.96%

4.71 to 13.96%
Used RV

up to 60 months

61 to 84 months

2.1643833% to 4.698630%

2.326027% to 4.860273%

7.90% to 17.15%

8.49% to 17.74%

1.890410% to 4.424657%

2.052054% to 4.586301%

6.90% to 16.15%

7.49% to 16.74%

3.62 to 12.91%

4.21 to 13.46%

Overdraft Protection open end 3.9726000% 14.50% N/A
Savings Secured up to 120 months 1.2328760% 4.50% N/A
Certificate Secured up to 120 months N/A Varies 4.00%
Education up to 12 months 1.5041095% to 4.0383561% 5.49% to
14.74% 		N/A
The variable rate margin is based upon you credit worthiness.  Please ask for the rate that you qualify for.  All subaccounts except for the following qualify for risk pricing and the associate discount: (Overdraft protection, Savings secured, and Certificate secured).

COLLECTION COSTS: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.

VARIABLE RATES: The ANNUAL PERCENTAGE RATE (APR) for new advances and existing balances will change on the first day of each quarter (January, April, July and October) to reflect any change in the Index, which is the One Year Treasury Bill as published in the Wall Street Journal on the last Tuesday of the quarter, plus the applicable percentage shown in the "% Above Index" column above. The ANNUAL PERCENTAGE RATE will never be less than 3.5%. The ANNUAL PERCENTAGE RATE will never be greater than 18% or the maximum rate allowed by law, whichever is less. Maximum change per quarter is .5%, maximum change per year is 2%. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid.

The ANNUAL PERCENTAGE RATE (APR) for certificate-secured advances will be the dividend rate being paid on the Certificate offered as security (INDEX) plus the percentage shown in the "% Above Index" column above. The Certificate must be renewed until the advance is completely paid. When the Certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. The current ANNUAL PERCENTAGE RATE will be disclosed at the same time of the advance.

**Rates subject to change without notice. Call for current rate availability.

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