b"ABOC Credit Card \xe2\x80\x93 Platinum Rewards\nV.OCT18\nCardmember Agreement\nRETAIL INSTALMENT CREDIT AGREEMENT\nAGREEMENT TERMS. In this Agreement, the word \xe2\x80\x9cCardmember\xe2\x80\x9d means any person who applied\nand was approved for a Card. The words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean the Cardmember. The\nwords \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d \xe2\x80\x9cours\xe2\x80\x9d and \xe2\x80\x9cBank\xe2\x80\x9d mean Amalgamated Bank of Chicago and its successors or\nassigns.\nCHANGING THIS AGREEMENT. Subject to the limitations of applicable law, we may at any time\nchange, add to or delete any of the terms and conditions in this Agreement, including, but not limited\nto, interest rates and fees and this Changing This Agreement section. Such changes may be based,\nin whole or in part, upon factors including, but not limited to, antifraud policies and procedures, your\nrecord of making timely payments and staying within the established Credit Limit on your Account\nwith us, or your credit score and information contained in your credit report. We will give you notice of\nany change, addition or deletion as required by applicable law. As of the effective date, the changed\nterms, at our option, will apply to new Purchases, Advances, Quasi Cash Advances and Balance\nTransfers and to the outstanding balances of your Account, to the extent permitted by applicable law.\nCREDIT LIMIT. We will grant you credit up to a maximum amount (your \xe2\x80\x9cCredit Limit\xe2\x80\x9d). You will be\ninformed of your initial Credit Limit when you receive your Card. Your current Credit Limit will be\nshown on each monthly statement. You promise not to exceed your Credit Limit. However, if you\nexceed your Credit Limit, we can still charge you for all Purchases, Advances, Quasi Cash Advances,\nBalance Transfers, interest and fees without giving up any of our rights. At our discretion, we may\nchange your Credit Limit at any time without advance notice to you.\nUSE OF ACCOUNT. You may use your Account to make Purchases, Advances, Quasi Cash\nAdvances and Balance Transfers as described below. Any use of your Account number will be\nconsidered to be a use of the Card. Please sign the Card before you use it. The Card is our\nproperty. You must return it to us or our agent upon request.\n1.\n\nPurchases. You may use your Card at participating merchants to purchase goods and\nservices (\xe2\x80\x9cPurchases\xe2\x80\x9d). Unless a billing error has been disclosed in your monthly statement,\nyour account may be debited as a purchase for each copy requested by you of a sale, refund\nor cash advance slip.\n\n2.\n\nAdvances. You may use your Card or Account to obtain cash loans (\xe2\x80\x9cAdvances\xe2\x80\x9d) from an\nauthorized automated teller machine (\xe2\x80\x9cATM\xe2\x80\x9d), bank or others who agree to accept your Card.\nTo obtain Advances at authorized ATMs, you must request and use a personal identification\nnumber (\xe2\x80\x9cPIN\xe2\x80\x9d). You agree to keep your PIN confidential and not write it on or leave it near\nyour Card. ATM Cash Advance charges are shown on the Account Disclosures Insert and\nalso are available upon request. We may impose other or different charges for Cash\nAdvances upon prior notice to you. ATM Cash Advance Limits are shown on the monthly\n\n55793\n\n\x0cstatement as \xe2\x80\x9cAvailable Cash.\xe2\x80\x9d We may change the Available Cash amount from time to time.\nYou may use your Card or Account to obtain Quasi Cash Advances. Quasi Cash Advances\nare cash advance transactions which include, but are not limited to, wire transfers, foreign\ncurrency, traveler\xe2\x80\x99s checks, money orders, wagering and remote stored value.\n3.\n\nBalance Transfers. You may use your Card or Account to transfer balances from other credit\ncard accounts to this Account (\xe2\x80\x9cBalance Transfers\xe2\x80\x9d) by means (including balance transfer\nforms) we may make available from time to time. You may not transfer balances from any\nother account you have with us.\n\nPROMISE TO PAY. When you use your Account or permit someone else to use it, you promise to\npay the total amount of all Purchases, Advances, Quasi Cash Advances and Balance Transfers as\nwell as any interest or fees that may be due under the terms of this Agreement. If your Account is a\njoint Account, all of you are bound by this Agreement and each of you jointly and individually\npromises to pay all amounts owed to us for transactions made by any joint Account holder.\nMONTHLY STATEMENT. We will send you a monthly statement for any billing period in which there\nis activity on your Account, or as otherwise required by applicable law. Your monthly statement will\nshow, among other things, (1) the unpaid balance on your Account at the beginning of the billing\nperiod (the \xe2\x80\x9cNew Balance\xe2\x80\x9d); (2) any Purchases, Advances, Balance Transfers, interest, fees and\nother debits posted to your Account in that billing period; (3) any payments and credits posted to your\nAccount in that billing period; and (4) the minimum payment you must pay and the date your minimum\npayment is due (approximately 25 days after the billing date on your monthly statement). We will\nsend the monthly statement to the address specified on your Application or to the address you\ndesignate from time to time.\nPAYMENTS.\n1.\nMinimum Payment; Application of Payments. You must pay at least the minimum payment\nshown on your monthly statement each billing period. If the New Balance is more than $15, the\nminimum payment is $15 or 2.5% of the New Balance, whichever is greater. The minimum payment\nwill be rounded up to the nearest dollar. If the New Balance is less than $15, the total New Balance is\ndue. Any amounts past due or in excess of your Credit Limit will also be added to the minimum\npayment. Payment for more than the minimum amount due will be accepted as a single payment for\nthat month. Any amount over the minimum is not applicable to future amounts due. In accordance\nwith applicable law, we will choose the order in which payments are applied to your Account.\n2.\nMaking Payments. All payments must be in U.S. dollars. All checks must be drawn on funds\non deposit in the United States. Mail your payment to the address shown on your monthly statement.\nYour payment will be credited as of the date of receipt by us only if received by 5:00 p.m. (Central\nStandard Time). Any payments received after this time will be deemed received by us on the next\nbusiness day. Payments made at any location other than the address shown on your monthly\nstatement could be subject to a delay in crediting. With your payment, include your payment coupon,\nwhich is a portion of your monthly statement. If you do not include your payment coupon, credit to\nyour Account may be delayed. Delayed crediting may cause you to incur a Late Payment Fee or\n55793\n\n\x0cadditional interest. Payments can also be made online at www.aboc.com or by phone at (844) 4310820. Do not send us cash.\n3.\nDisputed Payments. You agree not to send us payments marked \xe2\x80\x9cpaid in full,\xe2\x80\x9d \xe2\x80\x9cwithout\nrecourse\xe2\x80\x9d or with similar language. If you send such a payment, we may accept it without losing any\nof our rights under this Agreement. All written communications concerning disputed amounts,\nincluding any check or other payment instrument that indicates that the payment constitutes \xe2\x80\x9cpayment\nin full\xe2\x80\x9d of the amount owed or that is tendered with other conditions or limitations or as full satisfaction\nof a disputed amount, must be mailed or delivered to Amalgamated Bank of Chicago, P.O. Box\nA3979, Chicago, Illinois 60690 Attn: Credit Card Disputed Payments. You may also dispute payment\nby visiting our Online Banking website and searching for the transaction in question.\nOTHER FEES. Subject to limitations and requirements of applicable law, you agree to pay the\nfollowing fees:\na.\n\nIf applicable, an Annual Fee, which will be billed on your first monthly statement and thereafter\non the anniversary date of your Account until your Account is terminated or cancelled;\n\nb.\n\nA Late Payment Fee is based on your Account balance contained on your most recent\nstatement if you have not made the required monthly payment by the statement due date. The\nlate payment fee will be up to $15 for balances up to $99.99, $25 for balances $100 to $999.99\nand $35 for balances $1,000 or more, except that the fee will not exceed the minimum\npayment due when the payment was late and will exceed $25 only if more than one payment is\nlate within six billing cycles;\n\nc.\n\nA Transaction Fee for each Advance, including Balance Transfers and Quasi Cash Advances;\n\nd.\n\nA Returned Payment Fee for any payment that is returned unpaid by your financial institution,\nnot to exceed the minimum payment due when the payment was returned;\n\ne.\n\nAn International Transaction Fee for each transaction made outside the U.S., including returns;\n\nf.\n\nA Copy Fee for each additional copy of a monthly statement or sales receipt we provide at your\nrequest; and\n\ng.\n\nA Rush Card Fee for each card you request be rush mailed to you within one business day if\nrequested before 1PM CST.\n\nThe specific amounts of these fees and any additional terms or conditions related to these fees are\nshown on the Account Disclosures Insert.\nINTEREST. The monthly periodic rates used to calculate interest on your Account and the\ncorresponding Annual Percentage Rate (\xe2\x80\x9cAPRs\xe2\x80\x9d) are set forth on the Account Disclosures Insert.\nThe monthly periodic rates and corresponding APRs for each billing period will vary with the market\nbased on the prime rate published in The Wall Street Journal on the last business day of the\n55793\n\n\x0cpreceding month (the \xe2\x80\x9cPrime Rate\xe2\x80\x9d). Your monthly periodic rates and corresponding APRs may\nincrease or decrease if the Prime Rate changes. Changes in the Prime Rate will apply to your entire\nAccount balance and will apply to the first billing period that includes the first business day of the\nsecond month following the change, for example, if the Prime Rate changes on September 28, and\nyour billing period begins on the 15th of each month, the new rate will apply to the billing period that\nbegins October 15 because that billing period includes November 1 (assuming November 1 is a\nbusiness day). Changes in the Prime Rate may result in increases or decreases in the amount of\ninterest, minimum payments and/or number of payments. A business day is any calendar day other\nthan a Saturday, Sunday, or federal holiday. We may select a new interest rate index if the Prime\nRate is not available.\n1.\nRate for Purchases. The monthly periodic rate for a billing period for your Purchase balance is\nthe Prime Rate plus a Margin (set forth on the Account Disclosures Insert), divided by 12 and\ncalculated to three decimal places and rounded up.\n2.\nRate for Advances. The monthly periodic rate for a billing period for your Advance and Quasi\nCash Advance, balance is the Prime Rate plus a Margin (set forth on the Account Disclosures Insert),\ndivided by 12 and calculated to three decimal places and rounded up.\n3.\nRate for Balance Transfers. The monthly periodic rate for a billing period for your Balance\nTransfer balance is the Prime Rate plus a Margin (set forth on the Account Disclosures Insert),\ndivided by 12 and calculated to three decimal places and rounded up.\nBALANCE SUBJECT TO INTEREST. We figure the interest on your Account by applying the\napplicable monthly periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your Account (including current\ntransactions). To get the \xe2\x80\x9caverage daily balance,\xe2\x80\x9d we take the beginning balance of your Account\neach day, add any new Purchases, Advances, and Quasi Cash Advance, Balance Transfers or fees,\nand subtract any payments and credits and unpaid interest. This gives us the daily balance. Then,\nwe add up the daily balances for the billing period and divide the total by the number of days in the\nbilling period. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\nWHEN INTEREST BEGINS TO ACCRUE; GRACE PERIOD. Except as provided below, Purchases,\nAdvances and Quasi Cash Advance, and Balance Transfers begin to accrue interest from the date of\nthe transaction (or, at our option, from the date they are posted to your Account) and continue to\naccrue interest until the charge is paid in full. You will have at least a 25 day grace period (\xe2\x80\x9cGrace\nPeriod\xe2\x80\x9d) on Purchases. This means you have at least 25 days from the closing date on your monthly\nstatement to pay for new Purchases before we charge interest on them. However, the Grace Period\nwill apply only in billing periods when (1) you paid the previous balance in full or (2) you had a\nprevious balance of $0.00 or a credit balance. (The previous balance is the balance identified as the\nNew Balance on the monthly statement for the previous billing period.) When the Grace Period\napplies, we will not impose interest on (1) any new Purchases if we receive the full New Balance on\nthe monthly statement for that billing period by the due date shown on that statement or (2) the\nportion of the Purchase balance repaid if we receive only part of the New Balance by the due date.\nThere is no Grace Period within which you can avoid interest on Advances, Quasi Cash\nAdvance or Balance Transfers.\n55793\n\n\x0cAUTHORIZATION OF TRANSACTIONS; LIMITATION OF LIABILITY. We are not obligated to\nauthorize any transaction (including Purchases, Advances, Quasi Cash Advance or Balance\nTransfers) under the following circumstances or any other circumstances which we deem necessary:\n(1) your Credit Limit has been exceeded or would be exceeded by the transaction; (2) you have failed\nto pay amounts owed to us when due or have failed to follow any terms of this Agreement;\n(3) you have notified us promptly that your Card or Credit Checks have been lost or stolen or may be\nused by an unauthorized person; (4) your Account has been closed for any reason; or (5) your rights\nunder this Agreement have expired or been revoked for any reason. If, in our sole discretion, we\nelect to honor a transaction under any of the above circumstances, we may nevertheless charge the\nfull amount thereof to your Account. We are not responsible for the failure of any merchant, financial\ninstitution or other party to honor your Card, Balance Transfer, Advance or Quasi Cash Advance\nrequest.\nFOREIGN TRANSACTIONS. The credit card association will convert any transaction in foreign\ncurrency into U.S. dollars using an exchange rate for the applicable central processing date that is (1)\nselected by the association from the range of rates available in wholesale currency markets, which\nrate may vary from the rate the association receives, or (2) the government mandated rate.\nMILITARY LENDING ACT. Federal law provides important protections to members of the Armed\nForces and their dependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account:\nThe costs associated with credit insurance premiums; fees for ancillary products sold in connection with\nthe credit transaction; any application fee charged (other than certain application fees for specified\ncredit transactions or accounts); and any participation fee charged (other than certain participation fees\nfor a credit card account). You can also call (844) 334-3810 to hear this disclosure orally.\nDEFAULT. Subject to limitations required by applicable law, you will be in default if (1) you fail to pay\nthe full minimum payment on time; (2) you file for bankruptcy; (3) you break one of your promises\nunder this Agreement; (4) you provide us with any false, misleading, incomplete or incorrect\ninformation or signature; or (5) you die. Upon your default, we may, subject to the limitations of\napplicable law and without notice: (1) reduce your Credit Limit; (2) close your Account and demand\nimmediate payment of the entire outstanding balance and any other fees or charges that may be\nimposed under the terms of this Agreement; (3) bring an action to collect all amounts owed; and/or (4)\ntake any action allowed by law.\nCOLLECTION COSTS. To the extent permitted by applicable law, you agree to pay all costs and\ndisbursements, including reasonable attorney's fees, incurred by us in collecting or enforcing your\nindebtedness, whether or not a court proceeding is actually commenced. We will bill these costs to\nyour Account as Purchases.\nOTHERS USING YOUR ACCOUNT. You promise to pay for all transactions made by any other\nperson you authorize to use your Account, whether or not that person exceeded your permission and\nwhether or not you notified us that the person was using your Account. If someone else is authorized\nto use your Card or Account and you want to end that person's privileges, you must let us know in\nwriting. If he or she has a Card, you must return that Card cut in half with your written notice.\n55793\n\n\x0cCLOSING YOUR ACCOUNT. You may close your Account at any time by notifying us in writing and\nreturning your Card(s) cut in half. You remain responsible to pay the amount you owe us according to\nthe terms of this Agreement. We may close or suspend your Account privileges at any time and\nwithout prior notice, unless required by applicable law, for any reason we deem appropriate, including\nif you are in default under this Agreement. We may also reissue a different Card at any time. Upon\nrequest, you must destroy the Card by cutting it in half and surrendering it to us or our agent. In the\nevent of the death of an existing Cardmember it is our policy to remove the Cardmember from the\nAccount and request that the decedent\xe2\x80\x99s Card be destroyed.\nADDRESSES; CHANGE OF ADDRESS. Your full name, address and any signature on your\nApplication are considered part of this Agreement. For purposes of this Agreement, you agree and\nrepresent that you live at the address shown on your Application or from time to time designated by\nyou for the receipt of monthly statements. You will notify us of any address change in writing before\nthe change becomes effective.\nDELAY IN ENFORCEMENT; NO WAIVER BY US. We can delay enforcing or waive any of our rights\nunder this Agreement without losing them. If we waive a right, we do not thereby waive the same\nright in other situations.\nASSIGNMENT. We can assign your Account and any of our rights under this Agreement without\nconsent or notice to you. Your Account, Card, this Agreement and your obligations hereunder are not\ntransferable or assignable by you.\nGOVERNING LAW. This Agreement and your Account will be governed by federal law applicable to\na FDIC insured institution and, to the extent not preempted by federal law, the laws of Illinois, without\nregard to its conflicts of law provisions. This Agreement is entered into between you and us in Illinois\nand we extend credit to you from Illinois, whether or not you live in Illinois and whether or not you use\nyour Card in Illinois. We will make the decision whether to open an account for you and issue a Card\nto you from our offices in Illinois. All payments under this Agreement are received by us in\nIllinois.\nCREDIT REPORTS AND ACCOUNT INFORMATION. You give us permission to request information\nfrom you and to make whatever inquiries we consider necessary and appropriate (including\nrequesting a consumer report from consumer reporting agencies) in considering your Application and\nfor any lawful purpose, including any updates, renewals or extensions of credit, or reviewing or\ncollecting your Account. Upon your request to us at Amalgamated Bank of Chicago, P.O. Box A3979,\nChicago, Illinois 60690, we will inform you of the name and address of each consumer reporting\nagency from which we obtained a consumer report, if any, relating to you. We may also obtain\ninformation about your credit worthiness and employment from others and may furnish information\nconcerning your Account as well as information concerning you to consumer reporting agencies and\nto other proper parties.\nNOTICE OF INACCURATE INFORMATION. If you believe that we have information about you that is\ninaccurate or that we have reported or may report to a consumer reporting agency information about\nyou that is inaccurate, please notify us of the specific information that you believe is inaccurate by\n55793\n\n\x0cwriting to us at Amalgamated Bank of Chicago, P.O. Box A3979, Chicago, Illinois 60690 or emailing\nus at bankcard@aboc.com.\nCONSENT TO COMMUNICATION AND TELEPHONE MONITORING. We, or our agents, may\ncontact you at any telephone number you provide the Bank, including a cell phone number or a\nnumber you later convert to a cell phone number. You agree that we may communicate with you for\nany lawful purpose, including informational, Account services and collections, using (1) any electronic\nmail address or cell phone number (including calls and text messages) that you provide to us at the\ntime of application or in the future and/or (2) an automated telephone dialing system and/or artificial\nor prerecorded voice message, even if you are charged for the call or text message under your phone\nplan, unless you call us at (800) 365-6464 to limit this consent or reply \xe2\x80\x9cSTOP\xe2\x80\x9d to any text message\nfrom us to stop receiving such text messages. You may contact us any time to change your\npreferences. We may listen to and record telephone calls between you and us for the purpose of\nmonitoring and improving the quality of service you receive.\nLOST OR STOLEN CARDS. If your Card is lost or stolen or if you think someone may be using it\nwithout your permission, you must notify us promptly by calling the telephone number on the back of\nyour card. You may also contact us by email at: bankcard@aboc.com. If the Card is returned to you\nafter you have notified us, do not use the Card, cut it in half. You will not be liable for any\nunauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use\nthat occurs before your notice to us. You could have up to $500 liability if the loss is not reported\nwithin 2 days of discovery, or unlimited liability if the unauthorized transaction is not reported within 60\ndays of when the unauthorized use was reported on your periodic statement.\nENTIRE AGREEMENT; SEVERABILITY; INTERPRETATION. The Cardmember Documents\nconstitute the entire agreement between you and us relating to your Account and supersede any\nother prior or contemporaneous agreement between you and us relating to your Account. Except as\notherwise expressly provided, if there is any conflict among these documents, the terms of this\nAgreement control. If any part of this Agreement is unenforceable this will not make any other part\nunenforceable. The headings used in this Agreement are for the convenience of reference only and\nare not intended to define or describe the scope or intent of any portion of the Agreement.\nMARYLAND RESIDENTS: You have the right under Section 12-510 of the Commercial Law Code to\nreceive an answer to a written inquiry concerning the status of your Account. Finance charges will be\nimposed in amounts or at rates not in excess of those permitted by law.\nNEW JERSEY RESIDENTS: Because certain provisions of this Agreement are subject to applicable\nlaws, they may be void, unenforceable or inapplicable in some jurisdictions. None of these\nprovisions, however, is void, unenforceable or inapplicable in New Jersey.\nNOTICE TO THE BUYER - 1. DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT\nOR IF IT CONTAINS BLANK SPACES. 2. YOU ARE ENTITLED TO A COMPLETELY FILLED IN\nCOPY OF THIS CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY MORE THAN THE\nMINIMUM PAYMENT, OR YOUR ENTIRE BALANCE IN FULL WITHOUT INCURRING ANY\nADDITIONAL CHARGE FOR PREPAYMENT.\n55793\n\n\x0cRETAIL INSTALMENT CREDIT AGREEMENT\nCARDMEMBER: Your signature (including any electronic or digital signature) on any Application or\non any sales slip or other evidence of indebtedness on your Account represents your signature on\nthis Agreement. Your address on your Application represents your address on this Agreement.\nBANK:\nAmalgamated Bank of Chicago\nP.O. Box A3979\nChicago, Illinois 60690\nDate: July 1, 2018\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat to Do If You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at Amalgamated Bank of Chicago, P.O.\nBox A3979, Chicago, Illinois 60690.\nIn your letter, give us the following information:\n*\n\nAccount information: Your name and account number.\n\n*\n\nDollar amount: The dollar amount of the suspected error.\n\n*\n\nDescription of problem: If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\n*\n\nWithin 60 days after the error appeared on your statement.\n\n*\n\nAt least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not\nrequired to investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n\n55793\n\n\x0c1.\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will\nalso tell you if we have already corrected the error.\n2.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why\nwe believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n*\n\nWe cannot try to collect any amount in question, or report you as delinquent on that amount.\n\n*\n\nThe charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\n\n*\n\nWhile you do not have to pay the amount in question, you are responsible for the remainder of\nyour balance.\n\n*\n\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n*\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount.\n\n*\n\nIf we do not believe there was a mistake: You will have to pay the amount in question, along\nwith applicable interest and fees. We will send you a statement of the amount that you owe\nand the date payment is due. We may then report you as delinquent if you do not pay the\namount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10\ndays telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without\nalso reporting that you are questioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us.\nIf we do not follow all of the rules above, you do not have to pay the amount you question,\neven if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card,\nand you have tried in good faith to correct the problem with the merchant, you may have the right not\nto pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n55793\n\n\x0c1.\n\nThe purchase must have made in your home state or within 100 miles of your current mailing\naddress, and the purchase price must have been more than $50. (Note: Neither of these are\nnecessary if your purchase was based on an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n\n2.\n\nYou must have used your credit card for the purchase. Purchases made with cash advances\nfrom an ATM or with a check that accesses your credit card account do not qualify.\n\n3.\n\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing\nat:\nAmalgamated Bank of Chicago\nP.O. Box A3979\nChicago, Illinois 60690\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we\nfinish our investigation, we will tell you our decision. At that point, if we think you owe an amount and\nyou do not pay, we may report you as delinquent.\nABOC Platinum Rewards Credit Card Application Disclosures\nThese Account Disclosures are part of your Amalgamated Bank Credit Card Cardmember Agreement and contain important\ninformation about current rates and fees applicable to your Account. Disclosures are accurate as of September 2018.\n\nInterest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for\nPurchases\n\n0% introductory APR for 12 months from date of account opening.\n\nAPR for Balance\nTransfers\n\n0% introductory APR for 12 months from date of account opening.\n\nAfter that, your APR will be 14.90% to 24.90% based on your creditworthiness. These\nAPRs will vary with the market based on the Prime Rate.\n\nAfter that, your APR will be 14.90% to 24.90% based on your creditworthiness. These\nAPRs will vary with the market based on the Prime Rate.\nAPR for Cash\nAdvances\n\nYour APR will be 26.99%. This APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest\non purchases if you pay your entire balance by the due date each month. We will begin charging\ninterest on cash advances and balance transfers on the transaction date.\n\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of\nthe Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n55793\n\nNone\n\n\x0cTransaction Fees\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nCash Advance\nQuasi Cash\nAdvance\n\n\xe2\x80\xa2\n\nBalance Transfer\n\n\xef\x82\xb7\n\nInternational\nTransaction\n\n5% of each advance (minimum $10)\n5% of each transaction (minimum $10)\n3% of each balance transfer (minimum $5)\n3% of transaction amount\n\nPenalty Fees\nLate Payment\n\nUp to $35\n\nReturned Payment\n\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new transactions).\xe2\x80\x9d\nSee your account agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount agreement.\nStatement Copy Fee: $5 (none in CO, DC, GA, IN, IA, KS, MD, NC, PA, SC, WV and WY)\nReplacement Card Fee: $10 (none in CO, DC, GA, IN, IA, KS, LA, MD, NC, PA, SC, WV and WY; in NY, none for first or\nsecond replacement)\nATM Cash Advance Disclosures\nMaximum Advance (per day):\nMaximum Transactions (per day):\nMaximum Advances (total):\n\n$300\n2\n[insert amount]\n\nInterest Rates\nPlatinum Rewards\n\nPurchases\n\nMargin\n\n9.65%-19.65%\n\nCurrent Monthly Periodic Rate\n\n1.242%-2.075%\n\nCurrent Corresponding APR\n\n14.90%-24.90%\n\nTransfers\n\nMargin\n\nCurrent Monthly Periodic\nRate\n\n55793\n\n9.65%-19.65%\n\n1.242%-2.075%\n\n\x0c14.90%-24.90%\n\nCurrent Corresponding APR\n\nAdvances\n\nMargin\n\n21.74%\n\nCurrent Monthly Periodic\nRate\n\n2.249%\n\nCurrent Corresponding APR\n\n55793\n\n26.99%\n\n\x0c"


b"V. OCTOBER 2018.2 Amalgamated Bank Credit\nCard Cardmember Agreement\nRETAIL INSTALMENT CREDIT AGREEMENT\nAGREEMENT TERMS. In this Agreement, the word \xe2\x80\x9cCardmember\xe2\x80\x9d means any person who applied\nand was approved for a Card. The words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean the Cardmember. If you\nhave a Union Credit Card, the word \xe2\x80\x9cUnion\xe2\x80\x9d means the union of which the Cardmember is a member\nin good standing. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d \xe2\x80\x9cours\xe2\x80\x9d and \xe2\x80\x9cBank\xe2\x80\x9d mean Amalgamated Bank of\nChicago and its successors or assigns.\nCHANGING THIS AGREEMENT. Subject to the limitations of applicable law, we may at any time\nchange, add to or delete any of the terms and conditions in this Agreement, including, but not limited\nto, interest rates and fees and this Changing This Agreement section. Such changes may be based,\nin whole or in part, upon factors including, but not limited to, antifraud policies and procedures, your\nrecord of making timely payments and staying within the established Credit Limit on your Account\nwith us, or your credit score and information contained in your credit report. We will give you notice of\nany change, addition or deletion as required by applicable law. As of the effective date, the changed\nterms, at our option, will apply to new Purchases, Advances and Balance Transfers and to the\noutstanding balances of your Account, to the extent permitted by applicable law.\nCREDIT LIMIT. We will grant you credit up to a maximum amount (your \xe2\x80\x9cCredit Limit\xe2\x80\x9d). You will be\ninformed of your initial Credit Limit when you receive your Card. Your current Credit Limit will be\nshown on each monthly statement. You promise not to exceed your Credit Limit. However, if you\nexceed your Credit Limit, we can still charge you for all Purchases, Advances, Balance Transfers,\ninterest and fees without giving up any of our rights. At our discretion, we may change your Credit\nLimit at any time without advance notice to you.\nUSE OF ACCOUNT. You may use your Account to make Purchases, Advances and Balance\nTransfers as described below. Any use of your Account number will be considered to be a use of the\nCard. Please sign the Card before you use it. The Card is our property. You must return it to us or\nour agent upon request.\n1.\n\nPurchases. You may use your Card at participating merchants to purchase goods and\nservices (\xe2\x80\x9cPurchases\xe2\x80\x9d). Unless a billing error has been disclosed in your monthly statement,\nyour account may be debited as a purchase for each copy requested by you of a sale, refund\nor cash advance slip.\n\n2.\n\nAdvances. You may use your Card or Account to obtain cash loans (\xe2\x80\x9cAdvances\xe2\x80\x9d) from an\nauthorized automated teller machine (\xe2\x80\x9cATM\xe2\x80\x9d), bank or others who agree to accept your Card.\nTo obtain Advances at authorized ATMs, you must request and use a personal identification\nnumber (\xe2\x80\x9cPIN\xe2\x80\x9d). You agree to keep your PIN confidential and not write it on or leave it near\nyour Card. ATM Cash Advance charges are shown on the Account Disclosures Insert and\nalso are available upon request. We may impose other or different charges for Cash\nAdvances upon prior notice to you. ATM Cash Advance Limits are shown on the monthly\nstatement as \xe2\x80\x9cAvailable Cash.\xe2\x80\x9d We may change the Available Cash amount from time to time.\n\n55795\n\n\x0cYou also may obtain Advances by using Credit Checks that we may provide from time to time that\nyou may use like a personal check to access your Account. Whenever you use a Credit Check, it will\nbe charged against your Account as an Advance on the date it is received by us. You may not use\nyour Credit Checks as payment on your Account or any other account you have with us. Credit\nChecks will not be returned with your monthly statement but will be identified on it. We will not certify\na Credit Check.\n3.\n\nBalance Transfers. You may use your Card or Account to transfer balances from other credit\ncard accounts to this Account (\xe2\x80\x9cBalance Transfers\xe2\x80\x9d) by means (including balance transfer\nforms) we may make available from time to time. You may not transfer balances from any\nother account you have with us.\n\nPROMISE TO PAY. When you use your Account or permit someone else to use it, you promise to\npay the total amount of all Purchases, Advances and Balance Transfers as well as any interest or\nfees that may be due under the terms of this Agreement. If your Account is a joint Account, all of you\nare bound by this Agreement and each of you jointly and individually promises to pay all amounts\nowed to us for transactions made by any joint Account holder.\nMONTHLY STATEMENT. We will send you a monthly statement for any billing period in which there\nis activity on your Account, or as otherwise required by applicable law. Your monthly statement will\nshow, among other things, (1) the unpaid balance on your Account at the beginning of the billing\nperiod (the \xe2\x80\x9cNew Balance\xe2\x80\x9d); (2) any Purchases, Advances, Balance Transfers, interest, fees and\nother debits posted to your Account in that billing period; (3) any payments and credits posted to your\nAccount in that billing period; and (4) the minimum payment you must pay and the date your minimum\npayment is due (approximately 25 days after the billing date on your monthly statement). We will\nsend the monthly statement to the address specified on your Application or to the address you\ndesignate from time to time. If this is a joint Account, each of you appoints the other as his or her\nagent to designate the address to which we may send your monthly statements and any other\nnotices.\nPAYMENTS.\n1.\nMinimum Payment; Application of Payments. You must pay at least the minimum payment\nshown on your monthly statement each billing period. If the New Balance is more than $15, the\nminimum payment is $15 or 2.5% of the New Balance, whichever is greater. The minimum payment\nwill be rounded up to the nearest dollar. If the New Balance is less than $15, the total New Balance is\ndue. Any amounts past due or in excess of your Credit Limit will also be added to the minimum\npayment. Payment for more than the minimum amount due will be accepted as a single payment for\nthat month. Any amount over the minimum is not applicable to future amounts due. In accordance\nwith applicable law, we will choose the order in which payments are applied to your Account.\n2.\nSkip Payment Options (If You Have A Union Credit Card). We may allow you to skip one or\nmore minimum payments if one of the following options is applicable to your Account. Interest will\ncontinue to accrue on any unpaid balance in any billing period in which you skip a minimum payment,\nbut no Late Payment Fee will be imposed on your Account. An election to skip payments under\neither option may lengthen the period over which your Account balance must be paid.\n\n55795\n\n\x0ca.\n\nStrike Skip Payment: You may skip the minimum payment for those months when you\nare on strike if (1) the strike lasts for at least 30 days and is sanctioned by your Union\nand (2) your Union notifies us that you qualify for the Strike Skip Payment.\n\nb.\n\n\xe2\x80\x9cNo-Pay\xe2\x80\x9d Option Months: If your Union has chosen \xe2\x80\x9cno-pay\xe2\x80\x9d option months, you may\nskip the minimum payment in those months.\n\n3.\nMaking Payments. All payments must be in U.S. dollars. All checks must be drawn on funds\non deposit in the United States. Mail your payment to the address shown on your monthly statement.\nYour payment will be credited as of the date of receipt by us only if received by 5:00 p.m. (Central\nStandard Time). Any payments received after this time will be deemed received by us on the next\nbusiness day. Payments made at any location other than the address shown on your monthly\nstatement could be subject to a delay in crediting. With your payment, include your payment coupon,\nwhich is a portion of your monthly statement. If you do not include your payment coupon, credit to\nyour Account may be delayed. Delayed crediting may cause you to incur a Late Payment Fee or\nadditional interest. Payments can also be made online at www.aboc.com or by phone at (800) 3656464. Do not send us cash.\n4.\nDisputed Payments. You agree not to send us payments marked \xe2\x80\x9cpaid in full,\xe2\x80\x9d \xe2\x80\x9cwithout\nrecourse\xe2\x80\x9d or with similar language. If you send such a payment, we may accept it without losing any\nof our rights under this Agreement. All written communications concerning disputed amounts,\nincluding any check or other payment instrument that indicates that the payment constitutes \xe2\x80\x9cpayment\nin full\xe2\x80\x9d of the amount owed or that is tendered with other conditions or limitations or as full satisfaction\nof a disputed amount, must be mailed or delivered to Amalgamated Bank of Chicago, P.O. Box\nA3979, Chicago, Illinois 60690 Attn: Credit Card Disputed Payments. You may also dispute payment\nby visiting our Online Banking website and searching for the transaction in question.\nOTHER FEES. Subject to limitations and requirements of applicable law, you agree to pay the\nfollowing fees:\na.\n\nIf applicable, an Annual Fee, which will be billed on your first monthly statement and thereafter\non the anniversary date of your Account until your Account is terminated or cancelled;\n\nb.\n\nA Late Payment Fee is based on your Account balance contained on your most recent\nstatement if you have not made the required monthly payment by the statement due date. The\nlate payment fee will be up to $15 for balances up to $99.99, $25 for balances $100 to $999.99\nand $35 for balances $1,000 or more, except that the fee will not exceed the minimum\npayment due when the payment was late and will exceed $25 only if more than one payment is\nlate within six billing cycles;\n\nc.\n\nA Transaction Fee for each Advance, including Balance Transfers;\n\nd.\n\nA Returned Payment Fee for any payment that is returned unpaid by your financial institution,\nnot to exceed the minimum payment due when the payment was returned;\n\ne.\n\nAn International Transaction Fee for each transaction made outside the U.S., including returns;\n\n55795\n\n\x0cf.\n\nA Copy Fee for each additional copy of a monthly statement or sales receipt we provide at your\nrequest; and\n\ng.\n\nA Rush Card Fee for each card you request be rush mailed to you within one business day if\nrequested before 1PM CST.\n\nThe specific amounts of these fees and any additional terms or conditions related to these fees are\nshown on the Account Disclosures Insert.\nINTEREST. The monthly periodic rates used to calculate interest on your Account and the\ncorresponding Annual Percentage Rate (\xe2\x80\x9cAPRs\xe2\x80\x9d), which depend on the type of Card you have (such\nas Union, Standard or Gold), are set forth on the Account Disclosures Insert. The monthly periodic\nrates and corresponding APRs for each billing period will vary with the market based on the prime\nrate published in The Wall Street Journal on the last business day of the preceding month (the \xe2\x80\x9cPrime\nRate\xe2\x80\x9d). Your monthly periodic rates and corresponding APRs may increase or decrease if the Prime\nRate changes. Changes in the Prime Rate will apply to your entire Account balance and will apply to\nthe first billing period that includes the first business day of the second month following the change,\nfor example, if the Prime Rate changes on September 28, and your billing period begins on the 15th of\neach month, the new rate will apply to the billing period that begins October 15 because that billing\nperiod includes November 1 (assuming November 1 is a business day). Changes in the Prime Rate\nmay result in increases or decreases in the amount of interest, minimum payments and/or number of\npayments. A business day is any calendar day other than a Saturday, Sunday, or federal holiday.\nWe may select a new interest rate index if the Prime Rate is not available.\n1.\nRate for Purchases. The monthly periodic rate for a billing period for your Purchase balance\nis the Prime Rate plus a Margin (set forth on the Account Disclosures Insert), divided by 12 and\ncalculated to three decimal places and rounded up.\n2.\nRate for Advances. The monthly periodic rate for a billing period for your Advance balance is\nthe Prime Rate plus a Margin (set forth on the Account Disclosures Insert), divided by 12 and\ncalculated to three decimal places and rounded up.\n3.\nRate for Balance Transfers. The monthly periodic rate for a billing period for your Balance\nTransfer balance is the Prime Rate plus a Margin (set forth on the Account Disclosures Insert), divided\nby 12 and calculated to three decimal places and rounded up.\nBALANCE SUBJECT TO INTEREST. We figure the interest on your Account by applying the\napplicable monthly periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your Account (including current\ntransactions). To get the \xe2\x80\x9caverage daily balance,\xe2\x80\x9d we take the beginning balance of your Account\neach day, add any new Purchases, Advances, Balance Transfers or fees, and subtract any payments\nand credits and unpaid interest. This gives us the daily balance. Then, we add up the daily balances\nfor the billing period and divide the total by the number of days in the billing period. This gives us the\n\xe2\x80\x9caverage daily balance.\xe2\x80\x9d\nWHEN INTEREST BEGINS TO ACCRUE; GRACE PERIOD. Except as provided below, Purchases,\nAdvances and Balance Transfers begin to accrue interest from the date of the transaction (or, at our\noption, from the date they are posted to your Account) and continue to accrue interest until the charge\nis paid in full. You will have at least a 25 day grace period (\xe2\x80\x9cGrace Period\xe2\x80\x9d) on Purchases. This\nmeans you have at least 25 days from the closing date on your monthly statement to pay for new\n55795\n\n\x0cPurchases before we charge interest on them. However, the Grace Period will apply only in billing\nperiods when (1) you paid the previous balance in full or (2) you had a previous balance of $0.00 or a\ncredit balance. (The previous balance is the balance identified as the New Balance on the monthly\nstatement for the previous billing period.) When the Grace Period applies, we will not impose interest\non (1) any new Purchases if we receive the full New Balance on the monthly statement for that billing\nperiod by the due date shown on that statement or (2) the portion of the Purchase balance repaid if\nwe receive only part of the New Balance by the due date. There is no Grace Period within which\nyou can avoid interest on Advances or Balance Transfers.\nAUTHORIZATION OF TRANSACTIONS; LIMITATION OF LIABILITY. We are not obligated to\nauthorize any transaction (including Purchases, Advances, Balance Transfers or Credit Checks)\nunder the following circumstances or any other circumstances which we deem necessary: (1)\nyour Credit Limit has been exceeded or would be exceeded by the transaction; (2) you have\nfailed to pay amounts owed to us when due or have failed to follow any terms of this Agreement;\n(3) you have notified us promptly that your Card or Credit Checks have been lost or stolen or may\nbe used by an unauthorized person; (4) your Account has been closed for any reason; or (5) your\nrights under this Agreement have expired or been revoked for any reason. If, in our sole\ndiscretion, we elect to honor a transaction under any of the above circumstances, we may\nnevertheless charge the full amount thereof to your Account. We are not responsible for the\nfailure of any merchant, financial institution or other party to honor your Card or Advance request.\nFOREIGN TRANSACTIONS. The credit card association will convert any transaction in foreign\ncurrency into U.S. dollars using an exchange rate for the applicable central processing date that is (1)\nselected by the association from the range of rates available in wholesale currency markets, which\nrate may vary from the rate the association receives, or (2) the government mandated rate.\nMILITARY LENDING ACT. Federal law provides important protections to members of the Armed\nForces and their dependents relating to extensions of consumer credit. In general, the cost of consumer\ncredit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account:\nThe costs associated with credit insurance premiums; fees for ancillary products sold in connection\nwith the credit transaction; any application fee charged (other than certain application fees for specified\ncredit transactions or accounts); and any participation fee charged (other than certain participation fees\nfor a credit card account). You can also call (844) 334-3810 to hear this disclosure orally.\nDEFAULT. Subject to limitations required by applicable law, you will be in default if (1) you fail to pay\nthe full minimum payment on time; (2) you file for bankruptcy; (3) you break one of your promises\nunder this Agreement; (4) you have a Union Credit Card and the Cardmember is no longer a member\nin good standing of the Cardmember's Union; (5) you provide us with any false, misleading,\nincomplete or incorrect information or signature; or (6) you die. Upon your default, we may, subject to\nthe limitations of applicable law and without notice: (1) reduce your Credit Limit; (2) close your\nAccount and demand immediate payment of the entire outstanding balance and any other fees or\ncharges that may be imposed under the terms of this Agreement; (3) bring an action to collect all\namounts owed; and/or (4) take any action allowed by law.\nCOLLECTION COSTS. To the extent permitted by applicable law, you agree to pay all costs and\ndisbursements, including reasonable attorney's fees, incurred by us in collecting or enforcing your\nindebtedness, whether or not a court proceeding is actually commenced. We will bill these costs to\nyour Account as Purchases.\n55795\n\n\x0cOTHERS USING YOUR ACCOUNT. You promise to pay for all transactions made by any other\nperson you authorize to use your Account, whether or not that person exceeded your permission and\nwhether or not you notified us that the person was using your Account. If someone else is authorized\nto use your Card or Account and you want to end that person's privileges, you must let us know in\nwriting. If he or she has a Card, you must return that Card cut in half with your written notice.\nCLOSING YOUR ACCOUNT. You may close your Account at any time by notifying us in writing and\nreturning your Card(s) cut in half. You remain responsible to pay the amount you owe us according to\nthe terms of this Agreement. We may close or suspend your Account privileges at any time and\nwithout prior notice, unless required by applicable law, for any reason we deem appropriate, including\nif you are in default under this Agreement. We may also reissue a different Card at any time. Upon\nrequest, you must destroy the Card by cutting it in half and surrendering it to us or our agent. In the\nevent of the death of an existing Cardmember it is our policy to remove the\nCardmember from the Account and request that the decedent\xe2\x80\x99s Card be destroyed. If the Account is\njointly held we will evaluate various factors relating to the remaining Cardmember to determine if the\nCredit Limit should be adjusted as described in the section of this Agreement entitled \xe2\x80\x9cCredit Limit\xe2\x80\x9d\nand \xe2\x80\x9cDefault\xe2\x80\x9d.\nADDRESSES; CHANGE OF ADDRESS. Your full name, address and any signature on your\nApplication are considered part of this Agreement. For purposes of this Agreement, you agree and\nrepresent that you live at the address shown on your Application or from time to time designated by\nyou for the receipt of monthly statements. You will notify us of any address change in writing before\nthe change becomes effective.\nDELAY IN ENFORCEMENT; NO WAIVER BY US. We can delay enforcing or waive any of our rights\nunder this Agreement without losing them. If we waive a right, we do not thereby waive the same\nright in other situations.\nASSIGNMENT. We can assign your Account and any of our rights under this Agreement without\nconsent or notice to you. Your Account, Card, this Agreement and your obligations hereunder are not\ntransferable or assignable by you.\nGOVERNING LAW. This Agreement and your Account will be governed by federal law applicable to\na FDIC insured institution and, to the extent not preempted by federal law, the laws of Illinois, without\nregard to its conflicts of law provisions. This Agreement is entered into between you and us in Illinois\nand we extend credit to you from Illinois, whether or not you live in Illinois and whether or not you use\nyour Card in Illinois. We will make the decision whether to open an account for you and issue a Card\nto you from our offices in Illinois. All payments under this Agreement are received by us in Illinois.\nCREDIT REPORTS AND ACCOUNT INFORMATION. You give us permission to request information\nfrom you and to make whatever inquiries we consider necessary and appropriate (including\nrequesting a consumer report from consumer reporting agencies) in considering your Application and\nfor any lawful purpose, including any updates, renewals or extensions of credit, or reviewing or\ncollecting your Account. Upon your request to us at Amalgamated Bank of Chicago, P.O. Box A3979,\nChicago, Illinois 60690, we will inform you of the name and address of each consumer reporting\nagency from which we obtained a consumer report, if any, relating to you. We may also obtain\ninformation about your credit worthiness and employment from others and may furnish information\nconcerning your Account as well as information concerning you to consumer reporting agencies and\nto other proper parties.\n55795\n\n\x0cNOTICE OF INACCURATE INFORMATION. If you believe that we have information about you that is\ninaccurate or that we have reported or may report to a consumer reporting agency information about\nyou that is inaccurate, please notify us of the specific information that you believe is inaccurate by\nwriting to us at Amalgamated Bank of Chicago, P.O. Box A3979, Chicago, Illinois 60690 or emailing\nus at bankcard@aboc.com.\nCONSENT TO COMMUNICATION AND TELEPHONE MONITORING. We, or our agents, may\ncontact you at any telephone number you provide the Bank, including a cell phone number or a\nnumber you later convert to a cell phone number. You agree that we may communicate with you for\nany lawful purpose, including informational, Account services and collections, using (1) any electronic\nmail address or cell phone number (including calls and text messages) that you provide to us at the\ntime of application or in the future and/or (2) an automated telephone dialing system and/or artificial\nor prerecorded voice message, even if you are charged for the call or text message under your phone\nplan, unless you call us at (800) 365-6464 to limit this consent or reply \xe2\x80\x9cSTOP\xe2\x80\x9d to any text message\nfrom us to stop receiving such text messages. You may contact us any time to change your\npreferences. We may listen to and record telephone calls between you and us for the purpose of\nmonitoring and improving the quality of service you receive.\nLOST OR STOLEN CARDS. If your Card is lost or stolen or if you think someone may be using it\nwithout your permission, you must notify us promptly by calling the telephone number on the back of\nyour card. You may also contact us by email at: bankcard@aboc.com. If the Card is returned to you\nafter you have notified us, do not use the Card, cut it in half. You will not be liable for any\nunauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use\nthat occurs before your notice to us. You could have up to $500 liability if the loss is not reported\nwithin 2 days of discovery, or unlimited liability if the unauthorized transaction is not reported within 60\ndays of when the unauthorized use was reported on your periodic statement.\nENTIRE AGREEMENT; SEVERABILITY; INTERPRETATION. The Cardmember Documents\nconstitute the entire agreement between you and us relating to your Account and supersede any\nother prior or contemporaneous agreement between you and us relating to your Account. Except as\notherwise expressly provided, if there is any conflict among these documents, the terms of this\nAgreement control. If any part of this Agreement is unenforceable this will not make any other part\nunenforceable. The headings used in this Agreement are for the convenience of reference only and\nare not intended to define or describe the scope or intent of any portion of the Agreement.\nMARYLAND RESIDENTS: You have the right under Section 12-510 of the Commercial Law Code to\nreceive an answer to a written inquiry concerning the status of your Account. Finance charges will be\nimposed in amounts or at rates not in excess of those permitted by law.\nNEW JERSEY RESIDENTS: Because certain provisions of this Agreement are subject to applicable\nlaws, they may be void, unenforceable or inapplicable in some jurisdictions. None of these\nprovisions, however, is void, unenforceable or inapplicable in New Jersey.\nNOTICE TO THE BUYER - 1. DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT\nOR IF IT CONTAINS BLANK SPACES. 2. YOU ARE ENTITLED TO A COMPLETELY FILLED IN\nCOPY OF THIS CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY MORE THAN THE\nMINIMUM PAYMENT, OR YOUR ENTIRE BALANCE IN FULL WITHOUT INCURRING ANY\nADDITIONAL CHARGE FOR PREPAYMENT.\n55795\n\n\x0cRETAIL INSTALMENT CREDIT AGREEMENT\nCARDMEMBER: Your signature (including any electronic or digital signature) on any Application or\non any sales slip or other evidence of indebtedness on your Account represents your signature on\nthis Agreement. Your address on your Application represents your address on this Agreement.\nBANK:\nAmalgamated Bank of Chicago\nP.O. Box A3979\nChicago, Illinois 60690\nDate: July 1, 2018\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat to Do If You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at Amalgamated Bank of Chicago,\nP.O. Box A3979, Chicago, Illinois 60690.\nIn your letter, give us the following information:\n*\n\nAccount information: Your name and account number.\n\n*\n\nDollar amount: The dollar amount of the suspected error.\n\n*\n\nDescription of problem: If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\n*\n\nWithin 60 days after the error appeared on your statement.\n\n*\n\nAt least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not\nrequired to investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will\nalso tell you if we have already corrected the error.\n55795\n\n\x0c2.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why\nwe believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n*\n\nWe cannot try to collect any amount in question, or report you as delinquent on that amount.\n\n*\n\nThe charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\n\n*\n\nWhile you do not have to pay the amount in question, you are responsible for the remainder of\nyour balance.\n\n*\n\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n*\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount.\n\n*\n\nIf we do not believe there was a mistake: You will have to pay the amount in question, along\nwith applicable interest and fees. We will send you a statement of the amount that you owe\nand the date payment is due. We may then report you as delinquent if you do not pay the\namount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10\ndays telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without\nalso reporting that you are questioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us.\nIf we do not follow all of the rules above, you do not have to pay the amount you question,\neven if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card,\nand you have tried in good faith to correct the problem with the merchant, you may have the right not\nto pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n\n55795\n\nThe purchase must have made in your home state or within 100 miles of your current mailing\naddress, and the purchase price must have been more than $50. (Note: Neither of these are\nnecessary if your purchase was based on an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n\n\x0c2.\n\nYou must have used your credit card for the purchase. Purchases made with cash advances\nfrom an ATM or with a check that accesses your credit card account do not qualify.\n\n3.\n\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing\nat:\nAmalgamated Bank of Chicago\nP.O. Box A3979\nChicago, Illinois 60690\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we\nfinish our investigation, we will tell you our decision. At that point, if we think you owe an amount and\nyou do not pay, we may report you as delinquent.\nAmalgamated Bank Credit Card Account Disclosures\nThese Account Disclosures are part of your Amalgamated Bank Credit Card Cardmember Agreement and contain important information about current\nrates and fees applicable to your Account.\nPlease keep this copy for your records. See the Agreement for additional terms and conditions governing your Account and for definitions of terms used\nherein. Disclosures are accurate as of September 2018.\n\nInterest Rates and Interest Charges\nUnion, Gold and Gold\nSecured\nAnnual Percentage\nRate\n(APR) for Purchases\n\nGold Plus and Union\nPlus\n\nStandard\n\nStandard Plus\n\nStandard\nSecured\n\n0% introductory APR for 12 months from date of account opening. After that, your APR will be:\n11.25%\n\n9.25%\n\n12.75%\n\n9.50%\n\n14.75%\n\nThese APRs will vary with the market based on the Prime Rate.\nAPR for Balance\nTransfers\n\n0% introductory APR for 12 months from date of account opening. After that, your APR will be:\n11.25%\n\n9.25%\n\n12.75%\n\n9.50%\n\n14.75%\n\nThese APRs will vary with the market based on the Prime Rate.\nAPR for Cash\nAdvances\n\n16.25%\n\n14.25%\n\n17.75%\n\n14.50%\n\n19.75%\n\nThese APRs will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on\npurchases if you pay your entire balance by the due date each month. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\n\nFor Credit Card Tips\nfrom the Consumer\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFinancial Protection\nBureau\nFees\nAnnual Fee\n\n55795\n\nNone for Union, Gold or Standard;\n$35 for Union Plus;\n$37 for Standard Plus;\n$45 for Gold Plus; or\n$50 for Gold Secured or Standard Secured\n\n\x0cTransaction Fees\n\xe2\x80\xa2\nCash Advance\n\xe2\x80\xa2\nBalance Transfer\n\n3% of each advance (minimum $5)\n3% of each balance transfer (minimum $5)\n\nInternational\nTransaction\nPenalty Fees\nLate Payment\n\n3% of transaction amount\n\nReturned Payment\n\nUp to $25\n\n\xef\x82\xb7\n\nUp to $35\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new transactions).\xe2\x80\x9d See your\naccount agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights\nis provided in your account agreement.\n\nStatement Copy Fee: $5 (none in CO, DC, GA, IN, IA, KS, MD, NC, PA, SC, WV and WY)\nReplacement Card Fee: $10 (none in CO, DC, GA, IN, IA, KS, LA, MD, NC, PA, SC, WV and WY; in NY, none for first or\nsecond replacement)\nATM Cash Advance Disclosures\nMaximum Advance (per day): $300\nMaximum Transactions (per day):\n2\nMaximum Advances (total): [insert amount}\nInterest Rates\nUnion, Gold and Gold Secured\n\nGold Plus and Union\nPlus\n\nStandard\n\nStandard Plus\n\nStandard Secured\n\nPurchases\n\nMargin\n\n6%\n\n4%\n\n7.5%\n\n4.25%\n\n9.5%\n\nCurrent Monthly Periodic Rate\n\n0.938%\n\n0.771%\n\n1.063%\n\n0.792%\n\n1.229%\n\nCurrent Corresponding APR\n\n11.25%\n\n9.25%\n\n12.75%\n\n9.50%\n\n14.75%\n\nTransfers\n\nMargin\n\n6%\n\n4%\n\n7.5%\n\n4.25%\n\n9.5%\n\nCurrent Monthly Periodic Rate\n\n0.938%\n\n0.771%\n\n1.063%\n\n0.792%\n\n1.229%\n\nCurrent Corresponding APR\n\n11.25%\n\n9.25%\n\n12.75%\n\n9.50%\n\n14.75%\n\nAdvances\n\nMargin\n\n11%\n\n9%\n\n12.50%\n\n9.25%\n\n14.50%\n\nCurrent Monthly Periodic Rate\n\n1.354%\n\n1.188%\n\n1.479%\n\n1.208%\n\n1.646%\n\nCurrent Corresponding APR\n\n16.25%\n\n14.25%\n\n17.75%\n\n14.50%\n\n19.75%\n\n55795\n\n\x0c"