ABOC Credit Card � Platinum Rewards                       
           V.OCT18  
     Cardmember Agreement   
        
     RETAIL INSTALMENT CREDIT AGREEMENT   
        
     AGREEMENT TERMS.  In this Agreement, the word �Cardmember� means any person who applied 
     and was approved for a Card.  The words �you,� �your� and �yours� mean the Cardmember.  The 
     words �we,� �us,� �our,� �ours� and �Bank� mean Amalgamated Bank of Chicago and its successors or 
     assigns.   
        
     CHANGING THIS AGREEMENT.  Subject to the limitations of applicable law, we may at any time 
     change, add to or delete any of the terms and conditions 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, upon factors including, but not limited to, antifraud 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 will be 
     shown on each monthly 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 participating 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 (�Advances�) from an 
          authorized automated teller machine (�ATM�), bank or others who agree to accept your Card.  
          To obtain Advances 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 charges are shown on the Account Disclosures Insert and 
          also are available upon request.  We may impose other or different charges for Cash 
          Advances upon prior notice to you.  ATM Cash Advance Limits are shown on the monthly 
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          statement as �Available Cash.�  We may change the Available Cash amount from time to time.  
          You may use your Card 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 to this Account (�Balance Transfers�) by means (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 all 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 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 period; (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 to the address specified on your Application or to the address you 
     designate from time to time.     
        
     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 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.  All 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 coupon, 
     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 
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     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 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 amount, must be mailed or delivered to Amalgamated Bank of Chicago, P.O. Box 
     A3979, Chicago, Illinois 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.   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 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 $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 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 for any payment that is returned unpaid by your financial institution, 
          not to exceed the minimum payment due when the payment was returned;   
        
     e.   An International 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 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�) 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 
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     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 and will apply to the first billing period that includes the first business day of the 
     second month following the change, for example, if the Prime Rate changes on September 28, and 
                               th
     your billing period begins on the 15  of each month, the new rate will apply to the billing period that 
     begins October 15 because that billing period includes November 1 (assuming November 1 is a 
     business day). Changes in the Prime Rate may result in increases or decreases in the amount of 
     interest, minimum payments and/or number of payments.  A business day is any calendar day other 
     than a Saturday, Sunday, or federal holiday.  We may select a new 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 and Quasi 
     Cash 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.   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 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 Quasi Cash Advance, and Balance 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 in full.  You will have at least a 25 day grace period (�Grace 
     Period�) on Purchases.  This means 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 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 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.   
        
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     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 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 to 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, 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.   
        
     MILITARY LENDING ACT.  Federal law provides important protections to members of the Armed 
     Forces and their dependents relating to extensions of consumer credit.  In general, the cost of consumer 
     credit to a member of the Armed Forces and his or her dependent may not exceed an annual 
     percentage rate of 36 percent.  This rate must include, as applicable to the credit transaction or account: 
     The costs associated with credit insurance premiums; fees for ancillary products sold in connection with 
     the credit transaction; any application fee charged (other than certain application fees for specified 
     credit transactions or accounts); and any participation fee charged (other than certain participation fees 
     for a credit card account).  You can also call (844) 334-3810 to hear this disclosure orally.   
        
     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 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 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 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 let us know in 
     writing.  If he or she has a Card, you must return that Card cut in half with your written notice.   
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     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 also 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.    
      
     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 from time to time designated by 
     you for the receipt of monthly statements.  You will notify us of any address change in writing before 
     the 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.  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 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 to its conflicts of law provisions.  This Agreement is entered into between you and us in Illinois 
     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  
     to 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 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 well as information concerning you to consumer reporting agencies and 
     to 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 
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     writing to us at Amalgamated Bank of Chicago, P.O. Box A3979, Chicago, Illinois 60690 or emailing 
     us at bankcard@aboc.com.   
        
     CONSENT TO COMMUNICATION AND TELEPHONE MONITORING.  We, or our agents, may 
     contact you at any telephone number you provide the Bank, including a cell phone number or a 
     number you later convert to a cell phone number.  You agree that we may communicate with you for 
     any lawful purpose, including informational, Account services and collections, using (1) any electronic 
     mail address or cell phone number (including calls and text messages) 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 or text message under your phone 
     plan, unless you call us at (800) 365-6464 to limit this consent or reply �STOP� to any text message 
     from us to stop receiving such text messages.  You may contact us any time to change your 
     preferences.  We may listen to and record telephone calls between you and us for the purpose of 
     monitoring and improving the quality of service you receive.   
        
     LOST OR STOLEN CARDS.  If 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 it in 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 periodic statement.   
        
     ENTIRE AGREEMENT; SEVERABILITY; INTERPRETATION.  The Cardmember Documents  
     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 conflict among these documents, 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 scope 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 not 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 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.   
        
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     RETAIL INSTALMENT CREDIT AGREEMENT   
        
     CARDMEMBER:  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: July 1, 2018   
        
     Your Billing 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 letter, give us the following information:   
        
     *    Account information: Your name and account number.   
        
     *    Dollar amount: The dollar amount of the suspected error.   
        
     *    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 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 to pay the amount in question.   
        
     What Will Happen After We Receive Your Letter   
        
       When we receive your letter, we must do two things:   
        
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     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 correct the error 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 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, 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 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 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 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.   
        
          If we do not follow all of the 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:   
        
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     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.   
        
                       ABOC Platinum Rewards Credit Card Application Disclosures   
             These Account Disclosures are part of your Amalgamated Bank Credit Card Cardmember Agreement and contain important 
               information about current rates and fees applicable to your Account. Disclosures are accurate as of September 2018.   
    Interest Rates and Interest Charges   
    Annual Percentage   
                    0% introductory APR for 12 months from date of account opening.   
    Rate (APR) for   
    Purchases       After that, your APR will be 14.90% to 24.90% based on your creditworthiness. These 
                    APRs will vary with the market based on the Prime Rate.   
    APR for Balance  
                    0% introductory APR for 12 months from date of account opening.   
    Transfers   
                    After that, your APR will be 14.90% to 24.90% based on your creditworthiness. These 
                    APRs will vary with the market based on the Prime Rate.   
    APR for Cash  
                    Your APR will be 26.99%. 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 close of each billing 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 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://www.consumerfinance.gov/learnmore.   
    Financial Protection   
    Bureau   
    Fees      
    Annual Fee      None    
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    Transaction Fees       
    �  Cash Advance    5% of each advance (minimum $10)   
    �  Quasi Cash   5% of each transaction (minimum $10)   
      Advance   
                       
    �  Balance Transfer   
                    3% of each balance transfer (minimum $5)   
    ?  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 on your rights to dispute transactions and how to exercise those rights is provided in your 
     account agreement.      
        
     Statement Copy Fee: $5 (none in CO, DC, GA, IN, IA, KS, MD, NC, PA, SC, 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):       [insert amount]   
        
        
     Interest Rates   
        
                                       Platinum Rewards 
                                                    
                                         Purchases 
                                                  
                                Margin            9.65%-19.65%   
                           Current Monthly Periodic Rate      1.242%-2.075%   
                           Current Corresponding APR      14.90%-24.90%  
                                         Transfers     
                                Margin            9.65%-19.65%   
                           Current Monthly Periodic     1.242%-2.075%   
                             Rate   
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                           Current Corresponding APR     14.90%-24.90% 
                                            
                                         Advances     
                               Margin              21.74%   
                           Current Monthly Periodic     2.249%   
                             Rate   
                           Current Corresponding APR     26.99%   
                                            
        
         
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