Orchard Bank Classic MasterCards Intro APR Intro Period Regular APR Annual Fee 0%* 6 Months* 7.90 - 15.99 %* None - $79* 0% Introductory APR for 6 months on purchases and balance transfers, for qualified applicants* Acceptance at millions of locations worldwide, including website purchases and reservations Your account information is updated and at your fingertips 24/7 so you can manage it your way Email and text messages to remind you of your upcoming payment due date with online enrollment American DreamCard™ MasterCard® Intro APR Intro Period Regular APR Annual Fee N/A* N/A* 11.24 %* None* American DreamCard - The first and only 'POOLED REWARDS™' Credit Card. You don't need to be a big spender to win big with this credit card. The American DreamCard is the credit card program that can make people rich! Large monthly cash jackpots! Earn entries from everyday shopping! Every $1 in net retail purchases = 1 entry to win (up to 1,000 entries per purchase) No Annual Fee† Get 1,000 entries just for applying! More entries mean more chances to win! Entries are good for future drawings and there is no limit to how many times you can win* A New Winner Every Month! Refer your friends and automatically receive 50 entries for each referral and get a signing bonus of 1,000 entries for each referral who is approved for the American DreamCard™ American DreamCard™ holders also have access to MasterCard® Exclusive Online™ Union Plus® MasterCard® Intro APR Intro Period Regular APR Annual Fee 1.99%* 6 Months* 13.99 %* None* FREE Rewards Program designed for hard-working union members. Get 2,000 bonus points after first purchase, more than halfway to a $25 Gift Card. Earn 1 Point for every dollar spent anywhere Earn 2 Points for every dollar spent at gas stations, grocery stores, and drug stores. NO Balance Transfer Fees and APR stays FIXED until the balance is paid in full*. 1.99% introductory APR on new purchases*. All Calls answered in the United States. No annual fee and No liability for unauthorized

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