Addendum Date: January 3, 2012

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

 How We Will Calculate Your Balance: We will use a balance computation method called daily balance. See your account Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.

 Variable rate Luxury Recreation Vehicles/ Trailers/ Motor Homes/ Boats: Variable rate loans for luxury boats-motor homes-park model trailers-recreational vehicles are financed at 50 basis points above the prime rate published in the Wall Street Journal  and repriced annually on the first working day of the new year.  The rate is capped at 5% over the original loan rate.  An increase in the APR will take the form of higher payments.  The APR will never go below 4.75%. 

Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs, reasonable attorney’s fees and the costs of any appeal to the Credit Union.

Single Payment and Bridge Loans: A $25.00 processing fee will be charged to a the member to cover the cost of loan documents.