. V, FEB2016:1. Amalgamated Bank Credit Card ‘Cardmember Agreement RETAIL INSTALLMENT CREDIT AGREEMENT AGREEMENT TERMS. In this Agreement, the word “Catdmember" means:any person who applied and was approved for a Card. The words**you," "your" and “yours” mean the Cardmember. If you havea Union Credit Card, the word “Union’ meats the union of which the Cardmember is a member in good standing. The words “we,” “us,” “our,” “ours” and “Bank” mean Amalgamated Bank of Chicago and its successors: or assigns. CHANGING THIS AGREEMENT. -Subject to the fimitations of applicable law, we.may at any time change, add to or delete. any of the:tetms and conditioris in this Agreement, including, but not limited to, interest rates and fees and this Changing. This Agreement section. Such changes may be based, in. whole or in part, ugon 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 yeu 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 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 will bé shown orieach monthly statement. You promise not io-exceed your Credit Limit.. However, if you exceed your Credit Limit, we can still charge you for all Purchases, 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 and Balance. Transfers as described below. Any use of your Accountnumber will be considered to be'a use of the Card. Please sign the Card before you use if The Card is our property. You must return it to us or our agent upon request, 4, Purchases: You may use your Card at participating merchants to. purchase goods and services: (‘Purchases’). 2, Advances, You may use your Card or Account to-obtain cash loans (“Advances”) from’an authorized automated teller machine-{“ATM"), bank or others. who agree to accept your Card, To obtain Advanices at authorized-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 it near your Card. ATM Cash Advance limitations and charges are shown on the Account Disclosures Insert ‘and also are available upon request. We may impose other-or different limitations or charges for ATM Gash Advances upon prior notice to you. You also may obtain Advances by using Credit Checks that we may provide from time to time that you may use like-a personal check to access your Account; Whenever you use.a Credit Check, it will be charged against your Account-as an Advance on the date it is received by us. You may not use your Credit Checks as payment on your Account or any other account you. have with us, Credit’ Checks will not be returned with your monthly.statement but will be identified on i, We: will not certify a Credit Check. 3. Balance Transfers. You may-use your Card or Account to trarisfer balances from other credit card accounts to this Account (“Balance Transfers”) by means {including balance transfer forms) we may.make available from time fo-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 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 all-ariounts 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 whiclr there is activity on your Account, or-as otherwise required by applicable law. Your monthly statement will 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 pétiod; (3) ) any. payments and credits. posted ‘to 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 fo the address specified’on your Apptication or to the address. you designate from time fo time. If this is a joint Account, each of you appoints the other as his or her agent to désignate the address to which we may send your monthly statements and any’ other notices. PAYMENTS. 1. Minimum Payment; Application of Payments. 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 fo the.-nearest dollar. If the New Balance is less than $15, the total New Balance is due. Any amounis.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. Anyamount over the minimum is not applicable fo future amounts due, In accordance with applicable law, we will choose the ofder in which: payments are applied to your Account. 2. Skip Payment Options (If You Have A Union Credit Card), We may allow'you to skip one or more minimum payments.if one of the following options is applicable to your Account. Interest will continue to accrue on any unpaid balance in any billing period in which you skip a minimum payment, but no Late Payment. Fee will be imposed on your Account, An election to skip payments under either option may lengthen the period over which. your Account balance must be paid. . a. Strike Skip Payment: You may skip the minimum payment for those months when you-are on strike if (1) the strike lasts fof at least 30 days and is sanctioned by your Union-and (2) your Union notifies us that you qualify for the Strike: Skip Payment: b, "No-Pay” Option Months: [f your Union has:chosen “no-pay" option months, you may skip the minimum'payment in those months. 3, Making Payments. ‘All payments must be in U.S. dollars. Ail chicks 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 oni the next business day. Payments made at any location other than thé address shown on your monthly statement could be subject'to a delay in crediting. ‘With your payment, include your payment coupon, which is. a portion of your monthly statement. If you do not include. your payment coupon, credit fo 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 phorie at (800} 365-6464. Do-not send us cash. 4, Disputed Payments, You agree not to send us.payments marked “paid in full,” “without recourse” or-with similar language: If you send such a payment, we may accept 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 “payment in full’ of the amount owed or that is-tendered with other conditions or limitations or as full satisfaction. of a disputed arnount, must-be-mailed or delivered to Amalgamated Bank of Chicago, P.O. Box A3979, Chicago, Illinois 60690 Attn: Credit Card Disputed Paymenis.. OTHER FEES: Subiect to limitations and requirements of applicable aw, you agree'to pay the following fees: a, If applicable, an Annual Fee, which-will be billed on your-first: monthly statement and thereafter on the anniversary date.of your Account until your Account is terminated or cancelled:b, A Laté Payment Fee js 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-ap to:$15 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 miore.than one payment is late within:six billing: cycles; C. A Transaction Fee for each Advance, including Balance Transfers; d. A Returned Payment Fee for:any payment that is returned. unpaid by your financial institution, not to exceed ‘the minimum payment due.when the payment was returned: @, An Intemational Transaction Fee for each transaction made outside the U.S., including returns; f, A-Copy Fee for each additional copy ofa monthly statement 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 are shown on the Account Disclosures Insert. INTEREST. The monthly periodic. rates used to. calculate interest on your Account and the corresponding Annual Percentage Rate ("“APRs’}, which depend on the type of Card: you have.(such as Union, Standard -or Gold}, are set forth on the Account Disclosures Insert. The monthly periodic rates and corresponding 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 i in:the Prime Rate will apply fo 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 number of payments, We may select anew 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 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. . 2. Rate for Advances. The monthly periodic rate for a:billing period for your Advance 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. 3. Raté for Balarice 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 rourided 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, Balance Transfers or fees, and subtract any payments 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 Balance Transfers begin to accrue interesi from the date of the transaction (or, at our option, from the date they are posted to your Account) and continue io accrue interest until the charge is paid in-full. You will have at least a 25 day grace:peried (’Grace Period”) on Purchases. This means you have at least 25 days from the closing date on your monthly statement topay fornew Purchases before we charge. interest on them. However, the Grace Period will apply only in billing periods when (1 ) you paid the previous balance in full or (2) you had a previous balance of $0.00 or a credit balance. (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) any new Purchases if we receive:the:full New Balance onthe 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 thedue date. There is no Grace Period within. which you can avoid interest on Advances or Balance Transfers. AUTHORIZATION OF TRANSACTIONS: LIMITATION OF LIABILITY: We are‘not obligated to authorize any transaction (including Purchases, Advances, Balance Transfers or Credit. Checks) under the following circumstances or any other. circumstances which we deem necessary: (1) your Credit Limit has been exceeded or would be exceeded by the: transaction; (2) you have failed to pay amounts owed to:us when due or have failed fo follow any terms of this Agreement; (3) you have-notified us promptly that. your Card or Credit Checks Have been lost or stolen or may be used by an unauthorized person; (4) your Account has been closed for.any reason; 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-Account. We are not responsible for the failure of any merchant, financial institution or other party to honor your Card.or 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 promises under this Agreement; (4) you have a Union Credit Card and the Cardmember is no- longer a member in good standing of the Cardmember's Union; (5) you provide us with any false, misteading, incomplete or incorrect information or signature; or (6) 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 éntire 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 amounis owed:.and/or (4) take any action allowed by law. COLLECTION COSTS. To the-extent permitted 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-wilf bill these‘costs fo your Account as-Purchases. OTHERS USING YOUR:AGCOUNT. You promise to pay for all transactions made by any other person you authorize to. use your Account, whether or fiot that person exceeded your permission.and whether or not you notified us that the person was using your Account. If.semeone else is authorized to use your Card or Account and you want to-end that person's privileges, you must let 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 Card(s) 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 any 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 alse reissue a different Card at any 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 destroyed. if the Account is:jointly held we will evaluate various factors relating to. the remaining Cardmember to determine if the Credit Limit should be adjusted.as described in the section of this Agreement entitted “Credit Limit" and “Default”. ADDRESSES; CHANGE OF ADDRESS.. Your full name, address and:any signature on your Application-are considered part of this Agreement. For purposes of this Agreement, you agree and represent that you live at the address shown on your Application or fram time to time designated py you for the. receipt-of monthly statements.. You will notify us of any address change in writing before thé‘change becomes effective.DELAY IN ENFORCEMENT; NO WAIVER BY US. We-can delay enforcing or waive any of our rights under this Agreement without losing them. [f we waive a right, we donot thereby waive the same right in other situations. ASSIGNMENT. We can assign your Account and any of our rights. under this Agreement without consent or 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 not preempted by federal law, the laws of Illinois, without regard fo its conflicts oflaw provisions, This Agreement is entered into between you and us in lilincis. and we extend credit to you from Illinois, whether or not you live in Illinois 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 offices in Illinois. All payments under 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. ‘Upon your request to us at Amalgamated Bank of Chicago, P.O. Box A3979, Chicago, Illinois 60690, we will inform you of the name and address of each consumer:reporting agency from which we obtained a corisumer 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 well as information concerning you to consumer reporting agencies and to other proper parties. NOTICE.OF INACCURATE INFORMATION. Ifyou believe that we have information about you that is inaccurate or that we have reported or may report fo 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, Illinois 60690, : TELEPHONE MONITORING AND CONSENT TO.COMMUNICATION. From time to time, we may monitor and/or record telephone.calls regarding your Account with us to assure the quality of our service, and you agree to any such monitoring or recording, You also agree that we. may communicate with you for any lawful purpose, including collections, using (1) any electronic mail. address or cell phone number that you provide to us at the time of application or in the future and/or (2) an automated telephone dialing system and/or artificial or prerecorded voice message, even if you are charged for the call under your phone plan, unless you call (800) 365-6464 to limit this consent. No such communication will be deemed unsolicited. LOST.OR STOLEN CARDS OR CREDIT CHECKS. If your Card or Credit Checks are lost or stolen.or if you think someone may be using them without your permission; you must notify us promptly by calling the telephone number on your monthly statement. You may aiso contact us on the. Web: bankcard@aboc.com. If the Card is retumed to you.after you have notified us, do not use the Card, Cutitin half and return #0 us. 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 teported on your periodic statement. ENTIRE AGREEMENT; SEVERABILITY; INTERPRETATION. The Cardmember Documents. constitute the entire agreement between you and us.relating to your Accourit 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 conflict among these documents, the terms of this Agreenient 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 thé scope or intent of any portion of the Agreement. MARYLAND RESIDENTS: ‘You ave 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 not in ‘excess of those permitted by law. .NEW JERSEY RESIDENTS: Because cefiain 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 CONTAINS BLANK SPACES. 2, YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY 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 CREDIT AGREEMENT ‘CARDMEMBER;: Your‘signature.{including any electronic.or digital signature) ori 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: April 1, 2015 ‘Your Billirig Rights: Keep This Document For Future Use. This notice 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 leiter, give-us the following information: . Account information: Your name and account number. + Dollar amount: The dolar amount of the suspected error. Ed Description.of problem: If you think there is an error on your bill, describe what ‘you believe is- wrong and why you believe it is a mistake, You must contact.us: * Within 60 days after the error appeared on your statement. * At least 3 business days before an automated’ payment is scheduted, 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:to pay the amount in question. What Will Happen After We Receive Your Letter 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 tell you if we have already corrected the error. 2, Within 90 days of receiving your letter, we must either corréct the etror or explain to. you why we believe.the bill is correct. While we investigate whether or not there has been an error: * We cannot try to collect any amount in question, or report you as delinquent on that amount. * The charge in question may rémain 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 forthe remainder of your balance.. We.can apply any unpaid-amount against your credit limit. After we finish our investigation, one-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 payment is dué. We may then repart you as delinquent if you donot pay the amount we think you-owe.   If you receive our explanation but still believe your bill is wrong, you must write to us within 10. days telling us that: you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell youthe rame.of anyone to. whem we reported: you as delinquent, and we. must let those organizations know. when the matter has-been settled between-us. If we do not follow all of thé: rules-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 state 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 to 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, Purchases made with cash advances from an-ATM or with a check that accesses your credit card account do not qualify, 3. You must not 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 same‘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. Amalgamated Bank Credit Card Account Disclosures These Actount Disdoswes are pat ol ycur Amalgamated Bank Credit Cad Cadmerber Agreemenitand tontan Inpottant nfomator about cumentrates and fees appicable fp yourAcount: Please keep this eopy for yourrecorts, ‘See fhe Agreement or ackional tans and condifons governing your Anoountand for defndions of ens used herein. Discosures ere acouaie as of laruary 2017, Interest Rates and Interest Charges Union, Gald and Gold Secured | Gold Plus and Union Plus | Standard Standard Plus. Standard Secured           Annual Percentage Rate 9.75% 7.75% 11.25% 8.00% 13.25% (APR) for Purchases   These APRs will vary with the market based on the Prime Rate,   APR for Balance Transfers 9.75% | 7.75% 11.25% | 8.00% | 13.25%   These APRs will vary with the.market based on the Prime Rate,   APR for Cash Advances: 44.75% | 12:75% | 46.25% | 13.00 % | "48.25%   These APRs will vary with the market based on the-Prime Rate.   Paying Interest Your due date is at least. 25-days after the close of each bifling cycle. We-will not charge you interest on purchases if you pay your.entire balance. by the- due date each month. We will begin charging interest on:cash advances and balance transfers.cn the. transaction date.   For Credit Card Tips from To learh more about factors to consider when-applying:for or using a credit card, visit the website of the Consumer Financial the Consumer Financial Protection Bureau at http:fiwww.consumerfinance.govfleammore. Protection Bureau Annual Fee Norie for Union, Gold or Standard; $35 for Union Plus; $37 for Standard Plus; $45 for Gold-Plus; or $50-for Gold Secured or Standard Secured   Transaction Fees       * Cash Advance 3% of each advance (minimum $5} * Balance Transfer 3% of each balance: transfer (minimum $5) * International Transaction | 3% of transaction amount . Penalty Fees: « Late Payment. Up to $35 » Returned Payment. Up to $25   How We Will Gatculate Your Balance: Wei use a mathod 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-exercige those rights is provided. in. your account agreement. . Statement Copy Fea:.$5 (hone in CO; DC, GA, IN, 1A, KS, MD, NC, PA, SC, WV and WY}. Replacement Card Fee!-$10 (none in CO, DC, GA, IN, 1A, KS, LA, MD, NC, PA,-SC, WV.and WY; in NY, none for first or second replacement}. ATM Cash Advance Disclosures                   Maximum Advanice (per day): $300 Maximum Transactions (per day}: 2 Maxirium Advances (total): Credit Limt interest Rates: | Union, Gold and Gold Secured | Gold Pius and Union Plus =| Standard | Standard Plus 7 Standard Secured . Purchases Margin 8% “#% 7a 495% 55% Current Monltiy Periodic Rate 843%: 0.646% 0.530% 0.656% 114% Current Conespondiag APR 7% Flat 11.25% i 13.25% Transfers Margin 8% 4% 75% 4 25% 9.5% Curent Monthly Periodic Rate 0.813% 0.646%- 6.838% 0.668% 1.104%                            Clirrenl Corresponding APR: i 9, 75% F.i5% 44.25% 6.00% 13,25% Advances ‘Margin 41% 3% 12.50% 9.25% 14.50% Current Monthly Periodic Rate. 1.220% 1.063% 1,354% 1083 1.524%. Current Goresponding APR 14.75% 12.75% 46.25% 43,00% 18.25%.