HAMPTON V. A. FEDERAL CREDIT UNION ADDENDUM

P. O. BOX 37

HAMPTON, VA 23669

757-723-8842

Addendum Date: 12-20-2011

This Addendum is incorporated into and becomes a part of your LoanLinerŪ Credit Agreement

Sub-Account Name

Daily Periodic Rate

Annual Percentage Rate

 

Open End Disclosure

 

Personal Loans: 

Total loan amount $1999 or less

Minimum amount borrowed $ 2,000

Minimum amount borrowed $10,000

    

0.046301%

0.035342%

0.038356%

 

16.90%

12.90%

14.00%

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. Paying Interest: You will be charged interest from the transaction date.

All loans are subject to cross collateralization.  A late fee of 5% of the payment amount will be charged if your loan payment is received 10 days after the scheduled due date.

Line of Credit

Overdraft Protection

Emergency/Quick Loans

0.035342%

0.035342%

0.046301%

12.90%

12.90%

16.90%

Vehicle Loans

2012 Models - 36 months

                    48 months

                    60 months

0.008219%

3.00%

$30.10

1Must borrow at least $5,000 new money to qualify for stated rate.  Add .50% to the rate and choose 72 month financing when you buy GAP. 

0.008904%

3.25%

$23.27

0.009589%

3.50%1

$19.23

Refinance Your Car and Save!

2011 Models - 36 months

48 Months

60 Months

0.009589%

3.50%

$30.32

0.010274%

3.75%

$23.50

0.010959%

4.00%1

$19.46

2010 Models - 36 months

48 months

60 months

0.009589%

3.50%

$30.32

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

0.010274%

3.75%

$23.50

0.010959%

4.00%1

$19.46

2009 Models - 36 months

0.009589%

3.50%

$30.32

Ask about Guaranteed Asset Protection Coverage

48 months

0.010274%

3.75%2

$23.50

2008 Models - 36 months

0.009589%

3.50%

$30.32

All payment quotes include credit life and disability insurance premiums.

48 months

0.010274%

3.75%2

$23.50

2007 Models - 36 months

0.009589%

3.50%

$30.32

260 month financing available on loan amounts of $30,000 or more with a .50% rate increase and the purchase of GAP insurance.

48 months

0.010274%

3.75%2

$23.50

2006 Models - 36 months

0.009589%

3.50%

$30.32

 

48 months

0.010274%

3.75%2

$23.50

2005 Models - 36 months

0.009589%

3.50%

$30.32

Financing available provided NADA trade-in value of vehicle equals or exceeds $10,000.

42 months

0.010274%

3.75%

$26.47