Loyalty in FIFA Ultimate team is when a card in your club has been packed "First owner" or you have played more than 10 games with the card.
Loyalty allows for your card to be on 10 chemistry without any green links. This Freeze card has loyalty so, therefore, is on 10 chem even with just orange links.
Typically Loyalty is used to get extra chemistry on SBCs that have very tough chemistry requirements such as 90 or even sometimes very rarely 100 chemistry. When a card has loyalty it will add 1+ to the overall chemistry of the squad.