ABOC Credit Card:—- Platinum Rewards V.NOV2016-1 Cardmember Agreement RETAIL INSTALLMENT CREDIT AGREEMENT AGREEMENT TERMS. In this Agreement, the word “Cardmember’ means ay person who. applied arid was approved for a Card, The words “you,” “your” and “yours” mean the Cardmember. The. words “Wwe,” “us,” “our,” “ours” and “Bank” mean Amalgamated Bank of.Chicage and its successors or assigns, CHANGING THIS AGREEMENT. Subject to the limitations of applicable.law, we may at any time change, add fo or delete any of the terms and conditions in this Agreement, inéluding; but not limited to, interest tates and fees and this Changing This Agreement'section. Such changes may be based, in whole or in part, upon factors including, but not limited to, anti- fraud policies and procedures, your record of making timely payments and:staying within the established Credit Limit on your Account with. us, or your credit score: and information contained in your credit report. We will give you notice of any change, addition or deletion as required by applicable law. As of the effective date, the changed terms, at our option, will apply to new Purchases, Advances, Quasi Cash Advances and Balance Transfers and to the outstanding balances of your’ Account, to-the extent permitted by applicable law. CREDIT LIMIT. We will grant'you credit up to a maximum amount (your “Credit Limit’), You will be informed of your initial Credit Limit when you receive your Card. Your current Credit Limit. willbe shown on each miorithly statement, You promise not to exceed your Credit Limit. However, if you exceed your Credit Limit, we.can still charge you for‘all Purchases, Advances, Quasi Cash Advances, Balance Transfers, interest and fees without:giving up any of our rights, At.our discretion, we may change your Credit Limit at any time-without advance notice to-you. USE OF ACCOUNT. You may use your Account to make Purchases, Advances, Quasi Cash Advances and Balance Transfers as.described below, Any use-of your Account number will be considered to be a use of the Card. Please sign the Card before you use it. The Card.is our property. You must return it to us or our agent-upon request. _ 1. Purchases. You may use your Card at participatirig merchants to purchase goods and services (‘Purchases’), Unless a billing error has been disclosed in your monthly statement, your account may be debited as a purchase for each. copy requested by you of'a-sale, refund or cash advance slip, 2. Advances. You may use your Card or Account to: obtain cash loans (‘Advarices’} from an. authorized automated teller machine (‘ATM’), bank or others who agree 'to accept your Card. To-obtain Advances-at authotized ATMs; you must request and use a personal identification number (“PIN’). You agree to keep your PIN confidential and not write it on or leave itnear your Card. ATM Cash Advance limitations and chargesate shown on the Account Disclosures Insert and also aré available upon.request. We may impose other or different limitations or charges for ATM Cash Advances upon prior notice to you. You.may-use your Gard or Account to obtain Quasi Cash Advances. Quasi Cash Advances are cash advance transactions which include, but are not limited to,..wire transfers, foreign currency, traveler's checks, money orders, wagering.and remote. stored value, 3. Balance Transfers. You may use your Card or Account to transfer balances from other credit card — accounts fo this Account (“Balance Transfers”) by rieans {including balance transfer forms) we may make available from time to time: You-may not transfer balances from any other account you have.with us. . PROMISE TO PAY. When you use your Account or permit someone else to use it, you promise to.pay the total amount of all Purchases, Advances, Quasi Cash Advances and Balance Transfers-as well as any interest or fees that may be due under the terms of this Agreement. If your Account is a joint Account; all-of you are bound by this Agreement and each of you jointly and individually promises. to pay alt amounts owed to-us for transactions made by any joint Account holder. MONTHLY STATEMENT. We will send you a monthly statement for any billing period in which there is-activity on your Account, or as:otherwise required by applicablé law. Your monthly statement wil show, among. other things, (1) the unpaid balance on your Account-at the beginning of the billing period (the: “New Balance’); (2) any Purchases, Advances, Balance Transfers, interest, fees and other debits posted to your Account in that billing period; {3} any payments and credits postedte your.Account in that billing period; and (4) the:minimum payment you must pay and the date your minimum payment is due (approximately 25 days after the billing date on your monthly statement). We will. send the monthly statement to the: address specified on your Application or to.the address you designate from time to time. PAYMENTS. i. Minimum Payment; Application of Payniénts: You must pay at least the minimum payment shown on your monthly statement each billing period. If the New Balance is more than'$15, the minimum payment is.$15 or 2.5% of the New Balance, whichever is greater. The minimum payment will be rounded up to the'nearest dollar. If the New Balance is less than $15, the total New Balance is. due. Any amounts past due or in excess of your Credit Limit will also be added to the minimum payment. Payment for more than the minimum amount due will be accepted:as a single payment for that month, Any amount over the minimum is not applicable to future amounts due: In accordance with applicable law, we will choose the order in which payments are applied to your Account. 2: Making Payments. All payments:must be in U.S. dollars. Al checks must be drawn on funds on deposit in ‘the United States. Mail your payment to the address shown on your monthly statement. Your payment will be credited .as of the date of receipt by-us only if received by 5:00 p.m. (Central Standard Time}. Any. payments received after this time will be deemed received by us on the next business day. Payments made at any location other than'the.address shown on _ your monthly statement could be subject to a delay in. crediting. With your payment, include your payment coupen, which is a portion of your monthly statement, if you do not include your payment coupon, credit to your Account may be delayed, Delayed crediting may cause you to incur a Late Payment Fee or additional interest. Payments.can also be made online at www.aboc.com or by phone at (844) 431-0820. Do not send us'cash. 3. Disputed Payments. You agree not io send us payments marked “paid in full,” “without recourse’ or with similar language. If you send sucha payment, we may accent it without losing any of our rights:under this Agreement, All written communications-concerning disputed amounts, including any check or other payment instrument that indicates that the payment constitutes “paymentiin full’ of the amount owed or that is:tendered with other conditions or limitations or as full satisfaction ofa disputed amount, must be mailed or delivered to Amalgamated Bank of Chicago, P.O. Box.A3979, Chicago, Ihinois 60690. Attn: Credit Card Disputed Payments. You may also dispute payment by visiting our Online Banking website and searching for the transaction in question, OTHER FEES: Subject to limitations and requirements of applicable law, you agree to pay the-following fees: a. [f applicable, ai Annual Fée, which will be billed on your first monthly statement and thereafter on the anniversary date of your Account until your Account is-terminaied or cancelled: b, A Late Payment Fee is based on your Account balance contained on your most recent statement if you have not made the required: monthly payment by the statement due date. The late payment fee will be up to $75 for balances up to $99.99, $25 for balances. $100 to $999.99 and. $35 for balances.$1,000 or more, except that-the fee will: not exceed the. minimum payment due when the payment was late and will exceed $25. only if more than one payment is late. within six billing cycles; C. -A Transaction Fee for each Advance, including Balance Transfers and Quasi Cash Advances; d. A Returned Payment Fee forany payment that is retumed unpaid by your financial institution, not to exceed the minimum payment due when the payment was returned; a, An Intemational Transaction Fee for each transaction made outside the U.S., including returns; f. A Copy Fee for each additional copy of a monthly statement or'sales receipt we provide at your request: and g. A Rush Card Fee-.for each card you request be rush mailed to you within one business.day if requested before 1PM CST,The specific amounts of these fees and any additional terms or conditions related to these fees ate-shown on the Account Disclosures Insért. INTEREST. ‘The monthly périodic rates used to calculate interest on your Account and the cortesponding Annual . Percentage Rate (“APRs”) are set forth on the Account Disclosures Insert. The monthly périodic.rates and corresporiding APRs for each billing period will vary with the market based.on the:prime rate published in The Wall Street Journal on the last business day of the preceding month (the “Prime Rate”). Your monthly periodic rates and corresponding APRs may increase or decrease if the Prime Rate changes, Changes in'the Prime Rate will apply to your entire Account balance, will take effect on the first day of the billing period following the change and may result in increases or decreases in the amount of interest, minimum payments and/or nuniber of payments. We may select a néw interest rate index if the Prime Rate is not available. 1. Rate for Purchases, The. monthly periodic rate for a billing period for your Purchase balance ts the Prime Rate plus a Margin (set forth on the Account Disclosures Inseri),-divided by 12 and calculated to.three decimal places and rounded up, 2. Rate for Advances. The monthly periodic rate: for a billing period for your Advance and.Quasi.Cash Advance, balance is the Prime Rate. plus'a Margin {set forth on the Account Disclosures Insert), divided by 12 and calculated fo three decimal places and rounded up. 3, Rate-for Balance Transfers. The monthly periodic rate for a billing period for your Balance Transfer balance is the Prime Rate plus a Margin (set forth on the Account Disclosures: Insert), divided by 12 and calculated to three-decimal places-and rounded up, BALANCE SUBJECT TO INTEREST. We figure the interest on your Account by applying the.applicable monthly periodic rate to the “average daily balance” of your Account {including current transactions). To.get the “average daily balance,” we take the beginning balance of your Account each.day, add any new Purchases; Advances, and Quasi Cash Advance, Balance Transfers or fees, and. subtract any paymerits and credits and unpaid interest. This gives us the daily balance. Then, we add up the daily balances for the billing period and divide the total by the number of days in the billing period. This gives us the ‘average daily balance.” WHEN INTEREST BEGINS TO ACCRUE; GRACE PERIOD. Except as provided below, Purchases, Advances and Quasi Cash Advance, and Balancé Transfers begin to accrue interest from the date of the transaction (or, at our option, from the date they are posted to your Account) and continue to.accrue:interest:until the charge.is paid tn full. You will have atleast a 25 day grace period (“Grace Period”) on Purchases. This méahs you have at least 25 days from the closing date on your monthly statement to pay for new Purchases before we charge interest on them. However, the Grace Period will apply only in billing periods when (1) you paid the previous balarice in full-or (2) you had a previous balance.of $0.00 or a credit valance, {The previous balance is the balance identified as. the New Balance on the monthly statement for the previous billing period.) When the Grace Period applies, we will not impose interest on (1) arly new Purchases if we receive the full New Balance on the monthly statement for that billing period by the due date shown.on that statement or (2) the portion of the Purchase balance repaid if we receive. only part of the New Balance by the due date. There is no Grace Period within which you can avoid interest on Advances, Quasi Cash Advance or Balance Transfers. AUTHORIZATION :OF TRANSACTIONS; LIMITATION OF LIABILITY. We are not obligated to authorize any transaction (including Purchases, Advances, Quasi Cash Advance or Balance Transfers) under the following circumstances ‘or any other circumstances which we deem necessary: (1) your Crédit Limit hias been exceeded or would be exceeded by the transaction; (2) you have failed to pay amounts:owed fo us when due or have failed to follow any terms of this Agreement; (3) you have-notified us promptly that your Card or Credit Checks have.been lost ot stolen or may be used by an unauthorized person;-(4) your Account has béen closed’for any reasory or (5} your rights under this Agreement have expired or been revoked for any reason. If, in our sole discretion, we elect to honor’a transaction under any of the above circumstances, we may nevertheless:charge the full amount thereof to your Accourit, We are not responsible for the failure of any merchant, financial institution or other party to honor your Card, Balance Transfer; Advance or Quasi Cash Advance: request.FOREIGN TRANSACTIONS, The.credit card.association will convert any transaction in foreign currency into U.S. dollars using an exchange rate for the applicable central processing date that is (1) Selected by the association from the range of rates available in wholesale currency markets,-which rate may vary from the rate the-association receives, or (2} the government mandated rate. DEFAULT. Subject to limitations required by applicable law, you will be in default if (1) you fail to pay the full minimum payment on time; (2) you file for bankruptcy; (3) you break one of your premises under this. Agreement (4) you provide'us with any false, misleading, incomplete or incorrect information or signature; or (5) you die. Upon your default, we may, Subject to the limitations of applicable law and without notice: (1) reduce your Credit Limit:.(2) close’ your Account and demand immediate payment of the entire outstanding balance and any other fees or charges that may be imposed under the terms of this Agreement; (3) bring an action to collect all amounts owed; and/or (4) take-any action. allowed by law. COLLECTION COSTS. To the-extent permitied by applicable law, you agree to. pay all costs and-disbursements, including reasonable attorney's fees, incurred by us.in collecting. or enforcing your indebtedness, whether or not'a court proceeding is actually commenced, We will bill these costs to your Account as Purchases. OTHERS USING YOUR ACCOUNT, You promise to pay for all transactions made by any other person you authorize to use your Account, whether or not that person exceeded your permission and whether or not you notified us that the person was using your Account. If someone else is authorized to use your Card or Account and you want to end that person's. privileges, you must tet us know in writing. If he or she-has-a Card, you must return that Card cut in half with your written notice. ) . CLOSING YOUR ACCOUNT, You may close your Account at any time by notifying us in writing and returning your Cards) cut in half. You remain responsible to pay the amount you owe.us according to the terms of this Agreement. We may close: or suspend ‘your Account privileges at arly time and without prior notice, unless required by applicable. law, for ‘any reason we-deem appropriate, including if you are in default under this Agreement. We may also reissue-a different Card atany time, Upon request, you must destroy the Card by cutting it in’half'and surrendering it to-us or our-agent. In the event of the.death.of an existing Cardmember it is our policy to remove the Cardmember from the Account and request that the. decedent's Card be:déstroyed. ADDRESSES; CHANGE OF ADDRESS. Your full name, address and any signature on-your Application are considered part ofthis Agréément. For purposes of this. Agreement; youagree and represent that you live at-the address shown on- your Application or from time to time designated by you for the receipt of morithly statements. You will notify us of any address change in writing before the changé becomes effective. DELAY IN ENFORCEMENT; NO WAIVER BY US.. We.can delay eriforcing or waive any of our rights under this Agreement without losing them. If we waive-a right, we do not thereby waive the same right in other situations, ASSIGNMENT. We can-assign your Account and any of our rights under this Agreement without consent of notice to you, Your Account, Card, this Agreement and your obligations hereunder are not transferable or assignable by you. GOVERNING LAW. This Agreement.and your Account will be governed by federal law applicable to a FDIC insured institution and, to the extent hot preempted by federal law, the laws of Illinois, without.regard to its conflicts of law provisions. This Agreement is entered into between you and us‘in Illinois arid we extend credit to you from Illinois, whether: oF not.you live in lilindis. and whether or not you use your Card in Illinois. We will make the-decision whether to open an account for you:and issue a Card fo you from our oifices in Illinois. All payments undef this Agreement are received by us in Illinois. CREDIT REPORTS AND ACCOUNT INFORMATION. You give us'permission to. request information from you and to make. whatever inquiries we consider necessary'and appropriate (including requesting a consumer report from consumer reporting agencies) in considering your Application and for any lawful purpose, including any updates, renewals or extensions of credit, or reviewing or collecting your Account. Upen your request to us at Amalgamated Bank of Chicago, P.O. Box A3979, Chicago, .Ilinois.60690, we will inform you of the name and address of each consumer reporting agency from which weobtained a consumer report, if any, relating to you. We may also obtain information about your credit worthiness and employment from others.and may furnish information concerning your Account as welt-as information concerning you to consumer reporting agencies and fo other proper parties.. NOTICE OF INACCURATE INFORMATION. If you, believe that we have. information about you that is inaccurate or that we have reported or may report to a consumer reporting agency information about you that is inaccurate, please notify us of the specific information that you believe is inaccurate by writing to us at Amalgamated Bank of Chicago, P.O. Box A3979, Chicago; Illindis-60690.or emailing us at bankcard@aboc.com. TELEPHONE CONTACT AND MONITORING. Bank, or its agents may contact you at any telephone number you provide the Bank, including a cell number or a number you later convert to-a.cell number. You agree to réceive calls, text messages and voice messages, including pre-recorded messages, ‘at that number; including the use.of automatic. dialing technology for informational and Account service-calls. You. may contact us any time to change your phone preferences. The Bank may listento and-record telephone calls between you and us for the purpose of monitoring and improving the quality of service you Teceive.. LOST OR STOLEN CARDS. /f your Card is lost or stolen or if you think someone.may be using it without your permission, you must notify us promptly by calling the telephone number on the back of your card. You may also contact us by email at: bankcard@aboc,com. If the Card is returned to you after you have notified us, do not use the Card, cut itin half, You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. You could have up to $500 liability if the loss is not reported within 2 days of discovery, or unlimited liability if the unauthorized transaction is not reported within.60 days of when the unauthorized use was reported on your periodis statement. ENTIRE AGREEMENT; SEVERABILITY: INTERPRETATION. The Cardmember Documenis constitute-the entire: agreement between you and us-relating to your Account and supersede any other prior or contemporaneous agreement between you and us relating to-your Account: Except.as otherwise expressly provided, if there is any conilict among these documenis, the terms of this Agreement control. If any part of. this Agreement is unenforceable this will not make any other part unenforceable. The headings used in this Agreement are for the convenience of reference only.and are not intended to define or describe the scape or intent of any portion of the Agreement. MARYLAND RESIDENTS: You have the right under Section 12-510:of the Commercial Law Code to receive an answer to a written inquiry concerning the status of your Account. Finance charges will be imposed in amounts or at rates nat in excess of those permitted by law. NEW JERSEY RESIDENTS: Because certain provisions of this Agreement are subject to applicable laws, they may be void, unenforceable. or inapplicable in some jurisdictions. None of these provisions, however, is void. unenforceable.or inapplicable in New Jersey, NOTICE TO THE BUYER = 1. DO.NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT-OR IF IT GONTAINS BLANK SPACES: .2, YOU ARE ENTITLED TO.A COMPLETELY FILLED IN GOPY OF THIS CREDIT AGREEMENT. 3. YOU MAY AT ANY TIME PAY MORE THAN THE MINIMUM PAYMENT, OR YOUR ENTIRE BALANCE IN FULL WITHOUT INCURRING ANY ADDITIONAL CHARGE FOR PREPAYMENT. RETAIL INSTALMENT GREDIT AGREEMENT CAROMEMBER: Your signature:(including any electronic or digital signature) on any Application or on any sales slip or other evidence of indebtedness.on your Account represents your signature on this Agreement. Your address on your Application represents your address on this Agreement, BANK: Amalgamated Bank of Chicago P.O. Box A3979 Chicago, Illinois 60690Date: October 1, 2016 Your Billing Rights: Keep This Document For-Future Use This siotice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What to Do If You Find’a Mistake on Your Statement If you think there is-an error on your statement, write to us at Amalgamated Bank of Chicago, P.O. Box.A3979, Chicago, Illinois 60690, In your letter, give us the following information: * Account information: Your name and account number. * Dollar amount: The dollar amount of thé-suspected éitor. * Description of problem: If you think thete is an-érror on your bill, describe what you beliéve is wrong: and why you believe itis a mistake, You must contact us: * Within 60-days after the error appeared on your statement, * At leasi 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is’ wrong. You must notify.us of any potential errors in writing. You may call us; but if you do we are not required to investigate any potential errors and you may-have io pay the amount in question. What Will Happen After We Receive Your Letier When we receive your letter, we must do two things: 1. Within 30:days.of receiving your letter, we must tell you that we received your letter, We will-also fell you if we have already corrected the. error, 2. Within 90.days of receiving your letter, we must-either correct the etror or.explain to you why we-believe the bill is correct, While we investigate whether or not there has heen an error: * We cannot try to collect-any amount in question, or report you'as delinquent-on that amount. The charge in question may remain on your statement, and we may continue to charge. you interest on that amount. While you do not. have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. After we finish our investigation, che of two things will happen: * if we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  * If we do not believe.there was a mistake: You will have to pay the amount in question, along with applicable interest and fees..We will. send you a-statement of the amount that you owe and the date paymentis due. We may then report you as delinquent if you-do not pay the amount we think you owe.   If you receive our explanation but still believe your bill is wrong, you must-write. fo us within 10 days telling us that you still refuse to pay..If you do $o, we cannot report you as delinquent without: also: reporting that you are questioning your bill. We must tell you: the name of anyone to whom we reported you-as delinquent,.and we must let those organizations know when the matter has been settled between us. lf-we.do not follow:all of the tules above, you do not have to pay the amount you question, even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use: this right, all of the following must be true’ 1. The purchase must have made in your home. staté or within 100 miles of your current mailing address, and the. purchase price must have been more than $50, (Note: Neither of these are. necessary if your purchase was-based on an advertisement we.mailed ta you, or if we. own the company that sold you the goods or services.) 2, You must have used your credit card for the purchase. Purchasés made with cash advances from an ATM or with a check that accesses your credit.card accaunt do not qualify. 3. You must.net-yet have fully paid for the purchase, if all of the criteria above are met and you are still dissatisfied with the purchase, contact.us in writing at: Amalgamated Bank of Chicago P.O, Box A3979 Chicago, Illinois 60690 While we investigate, the sare rules apply to-the disputed amount-as discussed above. After we finish our investigation, we will tell-you our decision. At that point, if we-think you owe an amount and you do not pay, we.may report you as delinquent. ABOC Platinum Rewards Credit Card Application Disclosures These Agccunt Disdosutes are patofyour Amalgamated Bank Cred Card Catmerrber Agreementand oontiti Enpotentinfxmation about oumentraies and fees appiicable to your Agchurit Disclosures are abouraie as of January 2017, Interest Rates and Interest Charges               Annual Percentage Your APR will be 13.40% to 23.40% based on your creditworthiness. These APRs will Rate (APR) for vary with the market based on the Prime Rate. Purchases 7 APR for Balance Your APR. willbe 13.40% to. 23.40% based on your creditworthiness. These APRs will. Transfers vary with the market based on the Prime Rate. APR for Cash Your APR willbe 25.49%. This APR will vary with the market based on the Prime Rate. Advances Paying Interest Your due date is-at least 25 days after the ciose of each billing cycle. We will not charge you interest on purchases if you pay your entiré balarice by the.due date each month. We-will begin charging interest'‘on cash advances and balance transfers on the transaction date.    For Credit. Card Tips | To learn:more about factors to consider when applying for or using a credit card, visit the. website of from the Consumer the Consumer Financial. Protection Bureau at http:/Avww.consumerfinance,gov/learnmore. Financial Protection Bureau Annual Fee ‘None Transaction Fees.   * Cash Advance 5% of each advance: (minimum $10) * Quasi Cash -5% of each transaction (minimum $10) Advance e Balance Transfer 3% of each balance transfer {minimum $5)   e International 3% of transaction amount Transaction Penalty Fees Late Payment Up to $35     « Returned Payment | Up to $25     How We Will Calculate Your Balance: We use a. method called “average. daily balance {including new transactions).” See your account agreement for more details. Billing Rights: Information en your rights to dispute transactions: and: how to.exercise those rights is provided in your: ‘account agreement, . ‘Statement Copy Fee: $5 {none in GO, DC, GA, IN, [A, KS, MB, NC, PA, 8C, WV and WY} ; Replacement 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 ‘second replacement) ATM Cash Advance Disclosures. Maximum. Advance. (per day): $300 Maximum Transactions (per day): 2 Maximum Advances (total): Credit Limit Interest Rates                           Platinum Rewards: Purchases Margin 9,65%-19.65% Current Monlhly Periodic Rate 11 18%-1. 95% Curent Corresponding APR: 13.40%6-23.40% Transfers Margin G.B5%-19. 65% Current Monthly Periodic Rate “F.44B%0-1 95%. Current Cowesponding APR. 13.40%-23.40%6 : Advances Margin 21.74% ‘Current Monthly Periodic-Rate 2.124% Curent Corresponding APR . 25.49% -