b'4/28/2016\n\nvisaagreement\n\n\xee\x9a\xbe\n\n\xee\x9d\xad\nMENU\n\n\xee\x99\xa8\n(../login.htm)\nLOGIN\n\n\xee\x98\x9f\n(https://cypruscu.com/contact/branchlocations.shtml)\n\nLOCATIONS\n\nVisa Credit/Debit Card\nAgreement\nThis Agreement covers your VISA Platinum Credit Card,\nPlatinum Awards Credit Card, Business Platinum Credit Card\nand/or VISA Debit Card with Cyprus Federal Credit Union. In this\nAgreement the words you and your mean each and all of those\nwho use or sign a card. We, us and ours mean Cyprus Credit\nUnion. Card and/or Credit card means the VISA Platinum Card,\nVISA Platinum Awards Card, Business Platinum Card and/or VISA\nDebit Card and any duplicates and renewals we issue. Account\nmeans your VISA Platinum Card Line of Credit account, VISA\nPlatinum Awards Line of Credit account, VISA Business Platinum\nLine of Credit account and/or VISA Debit Overdraft Line of\nCredit account with us. You agree that if you receive, sign,\nrequest, use or permit others to use or sign any of the cards\nissued under this Agreement, that you have accepted and\nagreed to all of the following terms, as amended from time to\ntime. You agree to all procedures required by us or any\nmerchant which honors your card as well as all terms on the\n\nhttps://cypruscu.com/rates/visaagreement.shtml\n\n1/13\n\n\x0c4/28/2016\n\nvisaagreement\n\nmerchant which honors your card as well as all terms on the\ncard. Any plural term used in this Agreement shall be deemed\nsingular if context and construction so require. Any singular\nterm used in this Agreement shall be deemed plural if context\nand construction so require.\n1. Responsibility. If we issue you a card, you agree to repay\nall amounts due and the FINANCE CHARGE arising from\nthe use of the card and the card account. You are\nresponsible for charges made by yourself, your spouse and\nminor children. You are also responsible for charges made\nby anyone else to whom you give the card, and this\nresponsibility continues until the card is recovered. You\ncannot disclaim responsibility by notifying us, but we will\nclose the account for new transactions if you so request\nand return all cards. Your obligation to pay the account\nbalance continues even though an agreement, divorce\ndecree, or other court judgment may direct you or one of\nthe other persons responsible to pay the account. Any\nperson using the card is jointly responsible with you for\ncharges he or she makes and any fees, but if that person\nsigns the card, he or she becomes a party to this\nAgreement and is also jointly responsible for all charges\non the account, including yours.\n2. Lost Card Noti cation. If you believe the Card has been lost\nor stolen, IMMEDIATELY CALL THE CREDIT UNION at: 801260-7600, 1-800-929- 7787 during regular business hours\nor 1-800-682-6075 after hours. If your PIN has been\ncompromised, call 1-888-241-2400. A fee may be assessed\nfor replacement of each lost card. Refer to the fee\nschedule.\n3. Your Liability for Unauthorized Use. If you believe your\nCard or your PIN has been lost or stolen or that someone\nhas transferred or may transfer money from your account(s)\nwithout your permission, tell us AT ONCE. Telephoning is\n\nthe best\nhttps://cypruscu.com/rates/visaagreement.shtml\n\nway of keeping your potential losses down.\n\n2/13\n\n\x0c4/28/2016\n\nvisaagreement\n\nthe best way of keeping your potential losses down.\n4. Credit Line. We have established a self-replenishing VISA\nCredit Card Line of Credit or VISA Debit Card Line of Credit\nfor you and have noti ed you of its amount when we\nissued the card or on your statement. You agree not to let\nthe account balance exceed this approved Credit Line. Each\npayment you make on the account will restore your Credit\nLine by the amount of the payment which is applied to\nprincipal. You may request an increase in your Credit Line\nby contacting us, and approval by a loan of cer. By giving\nyou written notice we may reduce your Credit Line from\ntime to time, or with good cause, revoke your card and\nCredit Line. Good cause includes your failure to comply\nwith this Agreement, or our adverse reevaluation of your\ncreditworthiness. You may also terminate this Agreement\nat any time, but termination by either of us does not affect\nyour obligation to pay all the amounts due plus FINANCE\nCHARGES. The card(s) remain our property and you must\nrecover and surrender to us all cards upon our request and\nupon termination of this Agreement, or pay necessary\nrecovery costs incurred by us.\n5. Credit Information. You authorize us to investigate your\ncredit standing when opening, renewing, or reviewing your\naccount. You authorize us to disclose information\nregarding your account to credit reporting agencies and\ncreditors who inquire of us about your credit standing.\n6. Monthly Payment. We will mail you a statement every\nmonth showing your Previous Balance of purchases and\ncash advances for Credit Card and withdrawals for VISA\nDebit card, the current transactions on your account, the\nremaining credit available under your Credit Line, the New\nBalances of purchases and VISA Credit Card cash advances\nand VISA Debit withdrawals, the Total New Balance, the\nFINANCE CHARGE, any other billed fees, and the Minimum\nPayment required. Your statement will show the required\nhttps://cypruscu.com/rates/visaagreement.shtml\n\n3/13\n\n\x0c4/28/2016\n\nvisaagreement\n\npayment you must make for that statement and the date it\nis due. By separate agreement you may authorize us to\ncharge the minimum payment automatically to your Share\nSavings or Checking Account with us. You may pay more\nfrequently, pay more than the Minimum Payment or pay\nthe Total New Balance in full, and you will reduce the\nFINANCE CHARGE by so doing. a. VISA Credit Card Monthly\nPayment. Every month you must pay at least the Minimum\nPayment upon receipt of your statement. The Minimum\nPayment will be either (a) 3% of your Total New Balance, or\n$25.00, whichever is greater; or (b) your Total New\nBalance, if it is less than $25.00, plus any portion of the\nMinimum Payment(s) shown on prior statement(s) which\nremains unpaid. In addition, if at any time your total New\nBalance exceeds your Credit Line, you must immediately\npay the excess amount. We will apply your payments rst\nto the FINANCE CHARGE on both purchases and cash\nadvances, then to any billed fees, then to the principal\nbalance of purchases and cash advances. b. VISA Debit\nCard Monthly Payment. The Minimum Payment will be\neither (a) 3% of your Total New Balance, or $25.00,\nwhichever is greater; or (b) your Total New Balance, if it is\nless than $25.00, plus any portion of the Minimum\nPayment(s) shown on prior statement(s) which remains\nunpaid. In addition, at any time your total New Balance\nexceeds your Line of Credit, you must immediately pay the\nexcess amount. We will apply your payments rst to the\nFINANCE CHARGE on both purchases and withdrawals,\nthen to any billed fees, then to the principal balance of\npurchases and withdrawals.\n7. Finance Charges. a. VISA Credit Card. You can avoid\nFINANCE CHARGES on purchases by paying the statement\nbalance in full each month within 25 days of the statement\nclosing date. If you pay part of the purchases included in\nthe statement balance within 25 days of the statement\nhttps://cypruscu.com/rates/visaagreement.shtml\n\n4/13\n\n\x0c4/28/2016\n\nvisaagreement\n\nthe statement balance within 25 days of the statement\nclosing date, FINANCE CHARGES will not apply to the\namount paid. However, cash advance fees may still apply. If\nthe payment due date falls on a non-business day,\npayment must be received by the last business day prior to\nthe due date. VISA Credit Card / VISA Debit Card\nAgreement No Cyprus Credit Union employee or agent will\nrequest a cardholder to divulge their PIN in an oral or\nwritten manner. You may be subject to a xed rate or\nvariable rate of interest. The applicable rate will be\ndisclosed to you on your Disclosure Statement and\nmonthly statements. Interest is calculated by multiplying\nthe applicable daily interest rate times the average daily\nbalance of purchases and cash advances. The daily interest\nrate is calculated by dividing the applicable rate by 365.\nThe principal balances of purchases and cash advances are\ndetermined each date during the statement period\nbeginning with the principal portion of your Previous\nBalances, reduced by payments you make and credits we\napply, and increased by purchases and cash advances you\nmake and debit adjustments we make during the\nstatement period. The daily principal balances are totaled\nand divided by the number of days in the statement period.\nThis produces separate average daily principal balances for\npurchases and cash advances to which the daily periodic\nrate is applied. The variable rate is the Wall Street Journal\nPrime Rate published on the last day of the month plus a\nmargin. The margin for the VISA Platinum and VISA\nPlatinum Awards is based on your credit risk and will be\ndisclosed to you on your Disclosure Statement. The\nmaximum variable ANNUAL PERCENTAGE RATE is the\nhighest legal rate. The maximum increase or decrease your\nrate can change per calendar year is 3.0%. b. Business Visa\nPlatinum Card. You can avoid FINANCE CHARGES on\npurchases and cash advances by paying the statement\nbalance in full each month within 25 days of the statement\n\nhttps://cypruscu.com/rates/visaagreement.shtml\n\n5/13\n\n\x0c4/28/2016\n\nvisaagreement\n\nbalance in full each month within 25 days of the statement\nclosing date. If the payment due date falls on a nonbusiness day, payment must be received by the last\nbusiness day prior to the due date. Otherwise, FINANCE\nCHARGES will be assessed beginning from the previous\nmonth\xe2\x80\x99s transaction posting date, through the current\nmonth\xe2\x80\x99s statement closing date. A cash advance fee of\n1.5% of the cash advance will be charged to your account\nfor each cash advance. This cash advance fee also applies\nto withdrawals made from your VISA account through\nautomatic teller machines and other means. Your variable\nrate interest is calculated by multiplying the applicable\nvariable daily rate times the average daily balance of\npurchases and cash advances. The variable rate is Wall\nStreet Journal Prime Rate published on the last day of the\nmonth plus a margin. The margin for the Business Visa\nPlatinum Card is as low as 6%. The daily rate is calculated\nby dividing the applicable variable rate by 365. The\nprincipal balances of purchases and cash advances are\ndetermined each day during the statement period,\nbeginning with the principal portion of your Previous\nBalances, reduced by payments you make and credits we\napply, and increased by purchases and cash advances you\nmake and debit adjustments we make during the\nstatement period. The daily principal balances are totaled,\nand divided by the number of days in the statement period,\nto produce separate average daily principal balances for\npurchases and cash advances to which the periodic rate is\nthen applied. c. VISA Debit card. Your interest is calculated\nby multiplying the applicable daily rate times the average\ndaily balance of purchases and withdrawals. The xed rate\nis as low as 12.99%. The daily rate is calculated by dividing\nthe applicable rate by 365. The principal balances of\npurchases and withdrawals are determined each day\nduring the statement period, beginning with the principal\n\nhttps://cypruscu.com/rates/visaagreement.shtml\n\n6/13\n\n\x0c4/28/2016\n\nvisaagreement\n\nportion of your Previous Balances, reduced by payments\nyou make and credits we apply, and increased by purchases\nand withdrawals you make and debit adjustments we make\nduring the statement period\n8. Default. You will be in default if you fail to make any\nMinimum Payment within 10 days after your statement due\ndate. You will also be in default if your ability to repay us\nis materially reduced, you are a debtor in a bankruptcy or\ninsolvency proceedings, you pass away, you fail to abide by\nthis Agreement or if the value of our security interest\nmaterially declines. We have the right to demand\nimmediate payment of your full account balance if you\ndefault. To the extent permitted by law, you will also be\nrequired to pay our collection expenses, including court\ncosts and reasonable attorneys\xe2\x80\x99 fees.\n9. Using the Card. To make a purchase or cash advance, there\nare several methods for use of the card. You may present\nthe card to a participating VISA plan merchant, to us, or to\nanother nancial institution. You may complete the\ntransaction by using your Personal Identi cation Number\n(PIN) in conjunction with the card in an Automated Teller\nMachine or other type of electronic terminal that provides\naccess to the VISA system. You may provide your VISA card\ninformation to merchants either by phone or by mail. The\nmonthly statement will identify the merchant, electronic\nterminal, or nancial institution at which transactions were\nmade, but sales, cash advance, credit or other slips cannot\nbe returned with the statement. The Credit Union may\nmake a reasonable charge for photo copies of documents\nyou request.\n10. Returns and Adjustments. a. VISA Platinum Credit Card,\nVISA Platinum Awards Credit Card, Business Platinum\nCredit Card. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so\nby sending us a credit slip which we will post to your\nhttps://cypruscu.com/rates/visaagreement.shtml\n\n7/13\n\n\x0c4/28/2016\n\nvisaagreement\n\nby sending us a credit slip which we will post to your\naccount. If your credits and payments exceed what you\nowe us, we will hold and apply this credit balance against\nfuture purchases and cash advances, or if it is $1.00 or\nmore, refund it upon your written request. b. VISA Debit\ncard. Merchants and others who honor the Card may give\ncredit for returns or adjustments, and they will do so by\nsending us a credit slip which we will post to your\nChecking Account.\n11. Foreign Transactions. Purchases and cash advances made\nin foreign countries and foreign currencies will be billed to\nyou in U.S. Dollars. The conversion rate will be made in\naccordance with the operating regulations for international\ntransactions established by VISA International, Inc. VISA\nhas the right to assess a Foreign Conversion Fee. This fee\ncould be up to 1.5% of the transaction amount\n12. Plan Merchant Disputes. We are not responsible for the\nrefusal of any plan merchant or nancial institution to\nhonor your card. We are subject to claims and defenses\n(other than tort claims) arising out of goods and services\nyou purchase with the card only if you have made a good\nfaith attempt, but have been unable to obtain satisfaction\nfrom the plan merchant, and: (a) your purchase was made\nin response to an advertisement we sent or participated in\nsending you; or (b) your purchase cost more than $50.00\nand was made from a plan merchant in your state or within\n100 miles of your home. Any other disputes you must\nresolve directly with the plan merchant.\n13. Cross Collateral Agreement. You hereby pledge as security\nfor the Line of Credit, any collateral that you have pledged\nas security on any other existing loan or advance at the\ncredit union or which you will pledge as security in the\nfuture. Understand that this is referred to as a cross\ncollateral agreement, and that you knowingly and\nvoluntarily grant the credit union the foregoing described\nsecurity interests.\n\nhttps://cypruscu.com/rates/visaagreement.shtml\n\n8/13\n\n\x0c4/28/2016\n\nsecurity interests.\n\nvisaagreement\n\n14. Lien and Right to Setoff. You hereby grant us a lien and\nright to setoff on all shares and accumulated dividends in\nany individual, joint, multiple party, or transaction\naccounts. The Credit Union shall have a statutory lien and\nright of setoff in all shares and accumulated dividends in\nall individual, joint, multiple party, or transaction accounts\nin which any of you has any interest. We may exercise our\nlien rights without No Cyprus Credit Union employee or\nagent will request a cardholder to divulge their PIN in an\noral or written manner. notice. The lien hereby created\nshall be a lien on the future amount in any accounts and is\na possessory lien.\n15. Effect of Agreement. This Agreement is the contract which\napplies to all transactions on your account even though\nthe sales, cash advance, credit or other slips you sign or\nreceive may contain different terms. We may amend this\nAgreement from time to time by sending you the advance\nwritten notice as required by law. To the extent the law\npermits, and we indicate in our notice, amendments will\napply to your existing account balance as well as to future\ntransactions.\n16. Annual Fee. No annual fees are charged for VISA Credit or\nDebit cards.\n17. Late Charge. A late charge of 5% of the payment or $25\nwhichever is greater, shall be charged on any payment or\npartial payment not made within 10 days after its due\ndate.\n18. Final Expression. This agreement is the nal expression of\nthe terms of this Card and Account between Cyprus Credit\nUnion and the member(s)/borrower(s)/ user(s); this written\nAgreement may not be contradicted by evidence of any\nalleged oral agreement.\n19. Illegal Transaction. Cards cannot be used for online\ngambling or any other illegal activity. The card issuer\nhttps://cypruscu.com/rates/visaagreement.shtml\n\n9/13\n\n\x0c4/28/2016\n\nvisaagreement\n\ncannot be held liable for these transactions.\n20. Your Billing Rights. The following is important information\nabout your rights and our responsibilities under the Fair\nCredit Billing Act. Notify Us in Case of Errors or Questions\nAbout Your Bill. If you think your bill is wrong, or if you\nneed more information about a transaction on your bill,\nwrite us on a separate sheet at the address listed on your\nbill. Write to us as soon as possible, We must hear from\nyou no later than 60 days after we sent you the rst bill on\nwhich the error or problem appeared. You can telephone\nus, but doing so will not preserve your rights. In your letter\ngive us the following information: \xe2\x80\xa2 Your name and\naccount number. \xe2\x80\xa2 The dollar amount of the suspected\nerror. \xe2\x80\xa2 Describe the error and explain, if you can, why you\nbelieve there is an error. \xe2\x80\xa2 If you need more information,\ndescribe the item you are not sure about. \xe2\x80\xa2 If you have\nauthorized us to pay your credit card bill automatically\nfrom your share savings or checking account, you can stop\nthe payment on any amount you think is wrong. To stop\nthe payment your letter must reach us three business days\nbefore the automatic payment is scheduled to occur. Your\nRights and Our Responsibilities After We Receive Your\nWritten Notice. We must acknowledge your letter within 30\ndays, unless we have corrected the error by then. Within 90\ndays, we must either correct the error or explain why we\nbelieve the bill was correct. After we receive your letter, we\ncannot try to collect any amount you question, or report\nyou as delinquent. We can continue to bill you for the\namount you question, including nance charges, and we\ncan apply an unpaid amount against your credit limit. You\ndo not have to pay any questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of\nyour bill that are not in question. If we nd that we made a\nmistake on your bill, you will not have to pay any nance\ncharges related to any questioned amount. If we didn\xe2\x80\x99t\nhttps://cypruscu.com/rates/visaagreement.shtml\n\n10/13\n\n\x0c4/28/2016\n\nvisaagreement\ncharges related to any questioned\namount. If we didn\xe2\x80\x99t\n\nmake a mistake, you may have to pay nance charges, and\nyou will have to make up any missed payments on the\nquestioned amount. In either case, we will send you a\nstatement of the amount you owe and the date that it is\ndue. If you fail to pay the amount that we think you owe,\nwe may report youas delinquent. However, if our\nexplanation does not satisfy you and you write to us within\nten days telling us that you still refuse to pay, we must tell\nanyone we report you to that you have a question about\nyour bill. And, we must tell you the name of anyone we\nreported you to. We must tell anyone we report you to that\nthe matter has been settled between us when it nally is.\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the rst\n$50.00 of the questioned amount, even if your bill was\ncorrect. Special Rule for Credit Card Purchases. If you have\na problem with the quality of property or services that you\npurchased with a credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may\nhave the right not to pay the remaining amount due on the\nproperty or services. There are two limitations on this\nright: (a) You must have made the purchase in your home\nstate, or if not within your home state, within 100 miles of\nyour current mailing address; and (b) The purchase price\nmust have been more than $50.00. These limitations do\nnot apply if we own or operate the merchant, or if we\nmailed you the advertisement for the property or services.\n21. VISA Platinum Awards Credit Card Extra Awards Bene ts.\nThe Credit Union reserves the right to make changes to the\nVISA Platinum credit card Extra Awards bene ts.\n22. Copy received. You acknowledge receipt of a copy of this\nagreement.\n23. Shares Secured. If this is a share secured VISA account, all\namounts in any accounts at the Credit Union are pledged\nand assigned as security for any amounts owed. A speci c\namount may be held as security and cannot be withdrawn.\n\nhttps://cypruscu.com/rates/visaagreement.shtml\n\n11/13\n\n\x0c4/28/2016\n\nvisaagreement\n\namount may be held as security and cannot be withdrawn.\nIn the event of default, the Credit Union may apply any\namounts in any accounts you are associated with, without\nnotice or legal process to the entire unpaid account\nbalance, costs, fees and other amounts due.\n24. Application of Payment. The Credit Union reserves the\nright to apply any payment made by you or any other loan\nor debt which you now or in the future may owe the Credit\nUnion whether as maker or co-maker, co-signer or\nguarantor. Each payment shall be applied as follow; rst,\nto accrued costs of collection, including reasonable\nattorney\xe2\x80\x99s fees; second, to payments made by us to\npreserve any collateral securing this or other Agreement\nwith us; third, to any other payments made by us and\nprovided in this Agreement or in any trust deeds, security\nagreements, guaranties, liens, or pledges securing\npayment of this Agreement; fourth, to any late chargers;\nfth, to accrued interest; and sixth, to principal. This\napplication of payments applies even if you have made a\ndifferent designation on or with payment.\n25. Special Introductory Terms. If your Cyprus Visa account was\nopened after March 1, 2015, your introductory APR for\npurchases will be 0% for the rst (6) billing cycles. Your\nintroductory APR for balance transfers will be 0% for the\nrst six (6) billing cycles. These introductory rates are not\navailable for the Starter, Teen or Business accounts. REV\n02/2015\n\n\xee\x9e\xa8\n\nHOME BANKING\nLogin ID\n\nhttps://cypruscu.com/rates/visaagreement.shtml\n\nLOGIN\n12/13\n\n\x0c4/28/2016\n\nvisaagreement\n\n\xee\x99\xac\n\nRegister (../online/ rsttime-user.shtml)\n\n\xee\x9b\xb8\n\nAPPLY NOW\n\n\xee\x99\xac\n\nBECOME A MEMBER\n\n\xee\x98\xaa\n\nLOCATION FINDER\n\n\xee\x81\x89\n\n\xee\x9c\x90\n\nFAQ\n(../library/ les/FrequentlyAskedQuestions.pdf)\n\nPLANNING TOOLS\n\n(https://cypruscu.com/membership/cra.shtml)\n\nFederally insured by the National Credit Union Administration.\n\n\xc2\xa9 2016, Cyprus Credit Union.\nRouting #: 324377202\nWeb Design by AVTEC (http://avtecmedia.com)\n\nhttps://cypruscu.com/rates/visaagreement.shtml\n\n13/13\n\n\x0c'


b'Cardmember Agreement,\nDisclosure Statement and\nSecurity Agreement\nThis booklet describes important terms and conditions that apply to your credit card account.\nWe want to be clear in how we share this information with you, to help you stay in control and\nmake well-informed decisions about your account.\n\nContents of this Cardmember Agreement, Disclosure Statement and\nSecurity Agreement\n1.\n2.\n3.\n4.\n5.\n6.\n7.\n8.\n9.\n10.\n11.\n12.\n13.\n14.\n15.\n16.\n\nDefining some common terms used in this document\nHow you may use the account and security interest\nHow we determine and apply account payments\nHow certain rates are calculated and may change\nHow we calculate interest charges and the balances subject to interest\nHow we determine certain account fees and additional information on certain transactions\nWhen we may close or require immediate payment of your account\nHow account terms may change and certain rights\nHow to use your account without using your credit card\nHow cardmember benefits and reward programs work\nHow we communicate with you and share information with credit bureaus\nTransferring your account and laws that govern your account with us\nScope of our agreement with you\nClaims and Arbitration of disputes\nYour billing rights as a cardmember\nLiability for unauthorized use\n\n1. Defining some common terms used in this document\nThis section explains what this document means when it uses common terms like \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cyou\xe2\x80\x9d or\n\xe2\x80\x9cagreement.\xe2\x80\x9d These detailed definitions help us avoid repeating long terms over and over again\xe2\x80\x94\nwhich helps make the document easier to read.\nThis Cardmember Agreement, Disclosure Statement and Security Agreement together with the\naccompanying Summary of Credit Terms govern your account with MUFG Union Bank, N.A., and\nare collectively referred to below as the \xe2\x80\x9cAgreement\xe2\x80\x9d. The Summary of Credit Terms provides\nimportant information about annual percentage rates, specific types and amounts of finance\ncharges and fees that may be charged to your account under certain circumstances and other\nimportant information about your account. Please read this Cardmember Agreement, Disclosure\nStatement and Security Agreement, along with the Summary of Credit Terms, carefully and retain\nboth for future reference.\nAs used in this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each person named on the\napplication for the account and anyone else who uses the account in any way. The terms \xe2\x80\x9cwe\xe2\x80\x9d,\n\xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cMUFG Union Bank\xe2\x80\x9d mean MUFG Union Bank, N.A. Using or allowing someone else\nto use your account means you accept the terms of the Agreement. This Agreement contains\nour most current terms and supersedes earlier materials you may have received. (Please note:\nalthough your account will generally have monthly billing cycles, your first billing cycle may\n\n\x0cbe more or less than one month. Except where your account\noffers introductory rates or fees as indicated on the Summary\nof Credit Terms, all credit terms, including minimum finance\ncharges, will apply in each billing cycle including the first billing\ncycle. Introductory rates and fees will apply for the period stated\non the Summary of Credit Terms, after which the regular rates\nand fees stated on the Summary of Credit Terms will apply.)\nIF THERE IS A DISPUTE BETWEEN YOU AND MUFG UNION BANK\nIT WILL BE RESOLVED THROUGH ARBITRATION. Refer to\nParagraph 14 below for additional information.\nBALANCE CATEGORIES: We will keep track of the activity on\nyour account in different \xe2\x80\x9cBalance Categories\xe2\x80\x9d. Unless we tell\nyou otherwise, these are the Balance Categories we will use:\n\xe2\x80\x9cPurchases\xe2\x80\x9d which will result from use of your card or your\naccount number to purchase goods and services;\n\xe2\x80\x9cCash Advances\xe2\x80\x9d which will result from cash advances\nyou request, use of checks or similar instruments (including\nelectronic form or otherwise) that we provide (unless we\ntell you they will be treated differently), and Cash Equivalent\nTransactions (as defined later in this Agreement);\n\xe2\x80\x9cOverdraft Advances\xe2\x80\x9d which will result from an advance from\nyour account to cover an item or items that have overdrawn\nyour linked checking account;\n\xe2\x80\x9cBalance Transfers\xe2\x80\x9d which will result from balance transfers that\nyou request by any means, including balance transfer checks or\nsimilar instruments (including electronic form or otherwise); and\n\xe2\x80\x9cSpecial Offers\xe2\x80\x9d which will result from use of your card or your\naccount number to take advantage of special, introductory or\npromotional offers that we identify to you from time to time. Each\nSpecial Offer may be considered a separate Balance Category.\n2. How you may use the account and security interest\nThis section explains a few basic rules about how you and others\nmay use your account, your responsibility for the account, and\nhow we may limit your use of the account. It also details the\nterms associated with the security interest and collateral.\nACCOUNT USE: You may use your card, your account number\nor checks or similar instruments (including electronic form or\notherwise) that we send to you to make purchases and balance\ntransfers and to obtain cash advances. Each time you use\nyour account, you are representing that you intend, and have\nthe ability, to repay all amounts due on your account. You are\nresponsible for all charges made by anyone you allow to use\nyour account, even if they charge more than you intended. If\nyou ask us to issue a card to someone, you are responsible for\ntheir charges until you return their card to us or until you notify us\nthat use of their card is no longer authorized, whichever occurs\nfirst. We may consider charges made by your immediate family\nas authorized by you and your responsibility. If unauthorized\nuse of your account occurs, you agree to cooperate with us\n\nand law enforcement authorities in identifying the unauthorized\nuser. You are each jointly and severally liable for all amounts due\non this account regardless of which of you uses it or benefits\nfrom that use.\nOUR SECURITY INTEREST: Whether we have acquired or will\nacquire a security interest in any funds, goods, or other collateral\nin connection with your account is stated on the Summary of\nCredit Terms. If your account is secured, you have provided\nus with funds that will serve as collateral for your credit card\nobligations to us. You have: (i) relinquished all possession and\ncontrol over the funds you have provided; and (ii) pledged,\nassigned and granted to us a security interest in those funds, the\ncorresponding deposit, including subsequent add-on deposits,\nif any, and any instrument that we may issue evidencing\nthat deposit (collectively, the \xe2\x80\x9cCollateral\xe2\x80\x9d). If you fail to pay or\notherwise default on your credit card obligations to us, we may:\n(1) without advance notice, take any or all of that Collateral and\napply as payment towards your credit card obligations; and\n(2) pursue other legal remedies. We may, at our discretion and\nsubject to credit approval, unsecure your account by returning\nthe Collateral to you. If we unsecure your account by returning\nthe Collateral to you, this section, and all other references to\nthe Collateral and our Security Interest in the Collateral in this\nAgreement, will no longer be applicable to your Account.\nCREDIT LIMIT/AUTHORIZATIONS: You agree (1) not to exceed\nthe credit limit we establish for you and (2) to immediately pay\nany amount in excess of your credit limit. If your account is a\njoint account, each of you may request credit limit increases\n(unless you are less than twenty-one years of age and were\nrequired by law to have a joint account, in which case, all joint\naccount owners must approve and assume joint liability for\nany request for increase). We may raise or lower your credit\nlimit at our discretion and may restrict the amount of the\ncredit limit available for cash advances and balance transfers.\nWe will consider additional deposits to your Deposit Account\nto be requests to increase your credit limit by the amount of\nthe deposit, rounded down to the nearest $50. We are not,\nhowever, obligated to honor such requests. You may not use\nyour account for (and we may decline authorization for) any\nillegal transaction. We may decline authorization for any Internet\ngambling transaction. We may, in our discretion and to the\nextent permitted by law, restrict or delay the availability of credit\nto you for our risk management purposes and to protect you and\nus against actual or potential fraud, unauthorized transactions,\nor claims. We are not liable for declining authorization for any\nparticular transaction, regardless of our reason.\n3. How we determine and apply account payments\nThis section explains your responsibility for making account\npayments, how we determine the amounts you must pay and\nhow we apply payments to your account.\n\n\x0cPAYMENTS:\n(A) Promise to Pay: You promise to pay all amounts due on your\naccount. You agree to review your billing statements and\nto notify us promptly of any errors (see \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d\nbelow). If you do not promptly notify us of a billing error, you\nagree that your billing statement will be considered proof of\nthe amount you are obligated to pay. You may pay all or a\npart of the balance on your account at any time. However,\nyou must pay at least the minimum payment shown on\nyour billing statement by the due date. You agree to follow\nthe requirements for payments that we set forth on your\nbilling statement from time to time, including requirements\nthat payments are made in United States Dollars and that\nchecks are drawn on a United States bank. If we choose\nto accept a payment that is not in United States Dollars or\nnot drawn on a United States bank, you agree to pay any\ncollection or conversion fees assessed to us by third parties.\nWe may accept payments which are marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\nor with similar markings without losing our right to receive\npayment in full. Partial payments offered in full satisfaction\nof a disputed amount must be sent to the address for notice\nof billing errors shown on your billing statement. We reserve\nour rights as to all such payments.\n(B) Minimum Payment Calculation: The amount of your minimum\npayment will be indicated on your billing statement and\ncalculated as shown on the Summary of Credit Terms.\n(C) Application of Payments: We may apply your payments in\nthe order we choose from time to time. We must, however,\ncomply with applicable law governing application of your\npayments. Currently, this means that if you make a payment\nin excess of the required minimum payment, we must apply\nthe excess amount first to your Balance Category with the\nhighest Annual Percentage Rate. Any remaining portion of\nthat excess amount must be applied to your other Balance\nCategories in descending order based on their applicable\nAnnual Percentage Rates. Until we determine a payment is\nunlikely to be returned for insufficient funds or for some other\nreason, your available credit may not reflect the payment.\n(D) Application of Credits: We will apply credits to your account\nas promptly as required by law. Credits may be applied to the\nBalance Categories that we choose, even if those Balance\nCategories are different than the Balance Categories of\nthe transactions giving rise to the credits. A credit may be\napplied on the date of the credit transaction. In some cases,\nhowever, credits may not be posted to your account until a\nbilling cycle occurring after the date of the credit transaction.\n4. How certain rates are calculated and may change\nThis section provides basic information about how we calculate\ncertain interest rates that may apply to your account and the\ncircumstances that can trigger increases in APRs.\n\nVARIABLE RATE INFORMATION: If any Annual Percentage Rate\nis variable, information regarding the variable rate is provided on\nthe Summary of Credit Terms. The information includes: (i) the\nfact that the rate may increase; (ii) how the rate is determined,\nincluding the margin and index; (iii) the circumstances under\nwhich the rate may increase; (iv) the frequency with which the\nrate may increase; (v) any limitation on the amount the rate may\nchange; and (vi) the effect(s) of an increase. Please consult the\nSummary of Credit Terms, in conjunction with this agreement, for\nimportant information about the rates applicable to your account.\nRATE INCREASES DUE TO TRIGGERING EVENTS: We may\nincrease any or all of your Introductory or Special Offer Annual\nPercentage Rates, as permitted by law, if one of these \xe2\x80\x9cTriggering\nEvents\xe2\x80\x9d occurs: (1) you fail to make a minimum payment to us\nwhen due; (2) you make a transaction which causes your\nbalance to exceed your credit limit with us; or (3) you make a\npayment to us that is dishonored, returned unpaid, or reversed\nby the paying institution for any reason. If we increase your\nrates due to a Triggering Event, we may determine the amount\nof the increase based on how you have handled your account\nwith us and current and historical information regarding your\ncredit in general. We will give you a notice of the increase. The\nhighest rate that may apply because of a Triggering Event will\nbe the Penalty Rate(s) shown on the Summary of Credit Terms.\nIncreased rates will not apply to balances that you incur prior\nto or within 14 days after we provide the notice of increase.\nIncreased rates due to Triggering Events may not occur prior\nto the first anniversary of opening your account. Rate increases\nmay remain in effect indefinitely.\nRATE INCREASES IF YOU ARE 60 DAYS LATE: If we do not\nreceive your required minimum payment within 60 days after\nits due date and you have missed two consecutive minimum\npayments, then this will be a Triggering Event and the rules in\nthe preceding paragraph apply. However, they are modified as\nfollows: (1) increased rates may apply to balances incurred prior\nto and after the notice of increase; (2) increased rates may apply\nbefore the first anniversary of opening your account; and (3)\nincreased rates will cease to apply if we receive six consecutive\nmonthly minimum payments on or before their payment due\ndates, beginning with the first payment due date following the\neffective date of the increase. When an increased rate ceases\nto apply pursuant to the preceding sentence, the rate in effect\nbefore the increase will again apply.\n5. How we calculate interest charges and the balances\nsubject to interest\nThis section helps explains how we determine the amount of your\ninterest charges (i.e., periodic rate finance charges) for different\naccount transactions. It also explains how you can avoid or\nreduce these interest charges. This section also explains how we\ndetermine the balances of your account that will be subject to\ninterest charges at the end of each billing cycle.\n\n\x0cACCRUAL OF INTEREST: Except as provided in \xe2\x80\x9cGrace Period\xe2\x80\x9d\nbelow, we will charge you interest on each of the Balance\nCategories from the date of each transaction or the first day\nof the billing cycle in which the transaction is added to your\naccount, whichever is later.\nGRACE PERIOD: If (1) you pay your New Balance in full, as\nshown on your current billing statement, on or before the due\ndate (which will be at least twenty-one (21) days from the closing\ndate of the billing cycle) and (2) we received payment in full of\nyour New Balance indicated on your previous billing statement\nby its due date or that New Balance was zero or a credit, interest\ncharges will not be assessed on Purchases shown on your\nnext billing statement. Payment in full is generally required to\nobtain the benefit of the grace period. We will, however, give\nyou the benefit of the grace period for partial payments to\nthe extent required by law (please be aware, however, that this\nrequirement only exists in limited circumstances). The grace\nperiod applies only to Purchases and if notified, Special Offers.\nIt does not apply to Balance Transfers or Cash Advances or\nOverdraft Advances. If you choose to transfer an existing\nbalance from another credit card, the grace period on new\npurchases is unavailable until the balance transfer is paid in full.\nINTEREST CHARGES: Interest charges will be calculated\nusing daily periodic rates which correspond to certain Annual\nPercentage Rates. These rates may be different for Purchases,\nBalance Transfers, Cash Advances, Overdraft Advances, and\nSpecial Offers.\n(A) If your account was opened with an Introductory Rate(s), the\nrate(s) for your account will be at the Introductory Rate(s)\nshown on the Summary of Credit Terms. The Introductory\nRate(s) will continue in effect as shown on the Summary of\nCredit Terms.\n(B) After the Introductory Rate(s) expire (or if your account does\nnot have an Introductory Rate), the Preferred Rate(s) for your\naccount will be the rate(s) shown on the Summary of Credit\nTerms. Those Preferred Rates may be variable.\nINTEREST CHARGES AND BALANCE CALCULATIONS: We\nuse the Average Daily Balance (including new purchases)\nmethod to compute a portion of the interest charges on your\naccount. We calculate interest charges separately for each\nBalance Category.\n(A) To compute Billed Interest Charges:\n(1) \x07For each Balance Category, we multiply your Daily Balance\n(see below) by the applicable daily periodic rate (1/365th of\nthe applicable APR) for each day of the billing cycle; then\n(2) W\n\x07 e add together all of the products calculated in (1) above.\n(B) To compute the Daily Balance for each Balance Category:\nWe figure the interest charge on your account by applying\nthe periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your\naccount. To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d we take the\nbeginning balance of your account each day, add any\nnew transactions, and subtract any payments or credits.\nThis gives us the daily balance. Then, we add up all the\n\ndaily balances for the billing cycle and divide the total by\nthe number of days in the billing cycle. This gives us the\n\xe2\x80\x9caverage daily balance.\xe2\x80\x9d\nFor purposes of these computations, we may delay adding\nsome fees to your Daily Balance (for example, some fees may\nnot be added to your Daily Balance until the billing cycle after\nthey are imposed). We may also subtract some payments or\nportions of some payments from your Daily Balance earlier than\nwhen they were actually received (for example, for grace period\npurposes, portions of some payments received in one billing\ncycle may be considered applied to your Purchase Balance\nCategory or Special Offer Balance Category, as applicable, at\nthe end of the prior billing cycle).\nWe add the amount calculated in accordance with (A) (1) above\nto the Daily Balance and this amount becomes the Beginning\nBalance for the next day. On your billing statement, we will\ncalculate an Average Daily Balance for each Balance Category\nby adding all your Daily Balances for that Balance Category\nand dividing that amount by the number of days in the billing\ncycle. If you multiply the Average Daily Balance for a Balance\nCategory by its daily periodic rate and multiply the result by\nthe number of days in the billing cycle, the total will equal the\nBilled Periodic Rate Finance Charges for that Balance Category,\nexcept for minor variations due to rounding.\nBilled interest charges shall appear on your statement labeled\nas \xe2\x80\x9cInterest Charge\xe2\x80\x9d for each Balance Category. The Interest\nCharges for each Balance Category shall be totaled on your\nstatement and listed as the \xe2\x80\x9cTotal Interest\xe2\x80\x9d. Cash advance,\nbalance transfer, and foreign transaction fees, if any, will be\nlisted under the \xe2\x80\x9cFees\xe2\x80\x9d heading on your billing statement and\nall fees will be totaled to determine \xe2\x80\x9cTotal Fees\xe2\x80\x9d. This Agreement\nprovides for daily compounding of finance charges and fees.\nMINIMUM INTEREST CHARGE: If interest charges are billed in\nany billing cycle, the minimum billed interest charge will be as\nshown on the Summary of Credit Terms. We may allocate your\nminimum billed interest charge among your various Balance\nCategories in the manner that we select from time to time. The\nminimum billed interest charge will appear on your statement\nas the \xe2\x80\x9cMinimum Interest Charge\xe2\x80\x9d under the Fees heading.\n6. How we determine certain account fees and additional\ninformation on certain transactions\nThis section describes the account maintenance fees, transaction\nfees and other fees that may apply to your account as well as\nadditional information on various types of transactions.\nANNUAL FEE: If your account has an annual membership fee, it\nis shown on the accompanying Summary of Credit Terms and\nwill be charged to your account as a Purchase. If no annual fee\nis shown, then your account has no annual fee.\nOTHER FEES (such as late payment and service fees): We may\ncharge additional fees as in effect from time to time as referenced\nbelow. The amount charged for these fees is shown in the\nSummary of Credit Terms unless otherwise indicated below.\n\n\x0cLate Fee. For each minimum payment which is not received\nby the payment due date for any reason, we may charge you\na late fee. A payment is considered not to have been received\nby the due date if a payment received before the due date is\ndishonored, returned unpaid, or reversed for any reason, and\nyou do not subsequently make a good payment before the due\ndate.\nReturned Payment Fee. A returned payment fee may be\nassessed as indicated on the Summary of Credit Terms\nfor: (i) any payment on your account which is dishonored\nor returned unpaid for any reason (including any payment\nreturned because it is not signed, authorized or cannot be\nprocessed for any reason); or (ii) reversed by the paying\nfinancial institution for any reason; or (ii) any Balance Transfer,\nCash Advance, Special Offer check or similar instrument\n(including electronic form or otherwise) that is dishonored by\nus for any reason or for which we refuse to pay.\nStop Payment Fee. A Stop Payment Fee may be assessed\nas indicated on the Summary of Credit Terms for any stop\npayment order you request us to make. Stop Payment Fees\nwill be treated as purchases and added to your Purchases\nBalance.\nCopy Fees and Additional/Replacement Card Fees. We may\ncharge you a fee for (i) each sales draft copy you request\n(unless the request is related to an actual billing error); (ii) each\nadditional or replacement card requested; and (iii) for each\ncopy of a billing statement that you request. The amounts of\nthese fees are set forth in the Summary of Credit Terms. Copy\nFees and Additional/Replacement Card Fees will be treated\nas purchases and will be added to your Purchases Balance.\nExpedited Card Fees. We may charge you a fee for an\nexpedited delivery of additional or replacement cards, as\nspecified in the Summary of Credit Terms. Expedited Card\nFees will be treated as purchases and will be added to your\nPurchases Balance.\nExpedited Payment Fee. Subject to applicable law, we\nmay charge you a fee for making an expedited payment to\nus which requires assistance from one of our customer\nservice representatives. The amount of this fee is set forth\nin the Summary of Credit Terms. Expedited Payment Fees\nwill be treated as purchases and will be added to your\nPurchases Balance.\nATM Surcharge. For all ATM transactions, a surcharge may\nbe imposed by the ATM operator. This surcharge is imposed\nby third parties and will be charged to your account. This\nfee is not listed on the Summary of Credit Terms but will be\ndisclosed to you by the ATM operator when conducting the\nATM transaction.\nBALANCE TRANSFERS: We may permit you to transfer\nbalances from credit card accounts or other types of accounts\nwith other financial institutions to your account up to the\namount of your credit limit we make available for balance\ntransfers. If you request a balance transfer that exceeds the\namount we make available for balance transfers, then we may\n\neither process a transfer for less than you requested or we may\ndecline the entire request. Requests to transfer any balance\nyou owe from any other Union Bank account or any of your\naccounts with any of our related companies is subject to our\napproval. We will charge you a Balance Transfer Fee or any\nbalance transfer as shown on the accompanying Summary\nof Credit Terms. No grace period will apply when calculating\nfinance charges for a balance transfer. When you transfer a\nbalance from another account, we send a payment in the\namount of the balance transfer to the other financial institution.\nWe have no control over, and are not responsible for, how and\nwhen the other financial institution applies the payment. You\nare responsible for verifying that the other financial institution\napplies the balance transfer payment in accordance with your\nother account\xe2\x80\x99s terms. We do not send instructions to the other\nfinancial institution to close your other account. If you want\nthe other account to be closed, you must do that yourself. You\nshould not transfer any amount that is in dispute in order to\npreserve your dispute rights. You should continue to monitor\nthe other accounts that you request to transfer balances from\nand you should continue to pay the minimum payments due\non those accounts until you receive statements from those\ncreditors showing that the balances due them have been paid\nin full. This might not happen until after the balance transfer\nappears on your billing statement from us. You are liable for any\nlate payments, finance charges or disputed amounts on your\nother accounts.\nCASH ADVANCE FEE FINANCE CHARGES: A Cash Advance\nFee will be imposed on cash advance transactions as shown\non the Summary of Credit Terms. Cash advance fee finance\ncharges will be added to your Cash Advances Balance Category.\nCASH EQUIVALENT TRANSACTIONS: Cash Equivalent\nTransactions will be treated as cash advances and a Cash\nAdvance Fee (as indicated on the Summary of Credit Terms)\nwill be assessed for each Cash Equivalent Transaction. Cash\nEquivalent Transactions are those transactions performed\nusing a merchant or service provider that VISA\xc2\xae identifies as a\nseller of travelers checks, foreign currency, money orders, wire\ntransfers, lottery tickets, funds used for wagers or gambling, or\nsimilar products or services. These transactions are also treated\nas cash advances for all other purposes on your account. Cash\nadvance fee finance charges for Cash Equivalent Transactions\nwill be added to your Cash Advances Balance Category.\nOVERDRAFT ADVANCE TRANSACTIONS AND OVERDRAFT\nADVANCE FEE: If you have enrolled in overdraft protection\nlinked to your Union Bank credit card, you understand and\nagree that any day in which transactions are presented for\npayment against your linked Union Bank checking account\nwhen there are nonsufficient Available Funds to cover the\ntransactions, MUFG Union Bank will attempt to advance funds\nfrom your linked Union Bank credit card. Each Business Day\nthat MUFG Union Bank determines that your eligible Union Bank\nchecking account is overdrawn by any amount, you authorize\n\n\x0cus to make an overdraft advance equal to: (a) $50.00; or (b) the\nnext highest multiple of $50.00 that will equal or exceed the\nUnion Bank checking account overdraft, as determined by us.\nFor example, if we determine that your Union Bank checking\naccount is overdrawn by $125.00, you understand and agree\nthat we may automatically make an overdraft advance of\n$150.00 from your Union Bank credit card for deposit to your\nUnion Bank checking account. We will make transfers only once\neach Business Day.\nWe will not authorize transactions requiring real-time\nauthorization (such as ATM withdrawals, ATM/Debit Card\npurchases and cash withdrawals in a MUFG Union Bank branch)\nusing this service. If you attempt a transaction requiring realtime authorization and there are nonsufficient Available Funds\nin your checking account, the transaction will be declined.\nOverdraft advances will only be processed if at least one Item\ncan be covered by the advanced amount. Any negative balance\nfrom a previous Business Day will not trigger an advance unless\nanother eligible Item is presented for payment, and there is\na sufficient available balance on the credit card account to\ncover at least that additional Item. For order of processing\nchecks and other Items, see our All About Personal Accounts\nand Service, Disclosure and Agreement. If you are enrolled in\nmultiple overdraft protection services with MUFG Union Bank,\nMUFG Union Bank will try to cover the overdraft using your other\noverdraft protection services in the following order; Deposit\nOverdraft Protection, Cash Reserve and then the Union Bank\nCredit Card. When enrolling in overdraft protection linked to a\ncredit card, you will not be covered by the Overdraft Coverage\nservice, which means that if you do not have sufficient Available\nFunds in your linked credit card account to cover all nonsufficient\nAvailable Funds Items, your checking account will be subject to\napplicable overdraft or returned Item fees.\nAn Overdraft Advance Fee will be imposed on overdraft\nadvance transactions as shown on the Summary of Credit\nTerms. Overdraft advances and Overdraft Advance Fees will be\nadded to your Overdraft Advance Balance Category on your\ncredit card monthly statement and be charged the Overdraft\nAdvance Annual Percentage Rate. No grace period will apply\nwhen calculating finance charges for overdraft advances.\nIf your linked checking account is changed to a closed status\nfor any reason, MUFG Union Bank may terminate the overdraft\nprotection link to the credit card account without notice.\nFOREIGN TRANSACTION FEE FINANCE CHARGE: A Foreign\nTransaction Fee may be assessed on all transactions made\n(i) in currencies other than United States Dollars; (ii) with a\nforeign merchant (whether in foreign currency or in United\nStates Dollars); or (iii) outside the United States. The Foreign\nTransaction Fee will be equal to a certain percentage of the\namount of each foreign transaction (after conversion to United\nStates Dollars) as shown on the Summary of Credit Terms.\nThese fees will be added to the Balance Category that we\n\nselect (for example, the Balance Category in which the foreign\ntransaction is posted).\nTRANSACTIONS MADE IN FOREIGN CURRENCIES:\nTransactions made in currencies other than United States\nDollars will be converted to United States Dollars under the then\ncurrent regulations of VISA\xc2\xae, MasterCard\xc2\xae or the VISA\xc2\xae/PLUS\xc2\xae\nATM Network, or other applicable network. Those regulations\ncurrently provide that the conversion rate may be either (1)\na wholesale market rate or (2) a government-mandated rate.\nVISA\xc2\xae and MasterCard\xc2\xae currently use the rate in effect on the\ndate they process your transaction. The currency conversion\nrate in effect on the date your transaction is processed may\ndiffer from the rate in effect on the transaction date or the\nposting date. The VISA\xc2\xae/PLUS\xc2\xae ATM Network currently uses the\nrate in effect on the transaction date.\n7. When we may close or require immediate payment of\nyour account\nThis section describes what events can cause us to require\nimmediate payment of your entire account balance and when\nwe can terminate or suspend your ability to use the account.\nREASONS FOR REQUIRING IMMEDIATE PAYMENT: Subject\nto applicable law and any right to cure that you may have under\nthat law, we may require immediate payment of your entire\naccount balance if:\n(1) you do not make any minimum payment to us when due;\n(2) you exceed your credit limit;\n(3) you make a payment to us that is dishonored or returned\nunpaid, or reversed by the paying financial institution, for any\nreason;\n(4) you die or become insolvent;\n(5) you give us false or misleading information;\n(6) a petition is filed by or against you in any bankruptcy,\nreorganization, arrangement, insolvency, readjustment of\ndebt, dissolution or liquidation proceeding;\n(7) a receiver, liquidator or trustee is appointed for you or any of\nyour property, or you make an assignment for the benefit of\ncreditors;\n(8) you are generally not paying or have announced that you will\nnot pay your debts as they come due;\n(9) a breach occurs under any note, loan agreement, or other\nobligation for borrowed money to which you are a party;\n(10) a material adverse change occurs in your financial or other\ncondition;\n(11) you violate this Agreement or any other agreement you\nmake with us; OR\n(12) if we have reason to doubt your ability to repay us.\nOur acceptance of a payment after one or more of the\npreceding events does not waive our right to require\nimmediate payment of your entire account balance.\nTERMINATION OR SUSPENSION OF CREDIT PRIVILEGES:\nWe may at any time, with or without cause and without\nadvance notice, terminate this Agreement and/or temporarily\n\n\x0cor permanently suspend your credit privileges. This includes,\nbut is not limited to, situations where you have violated\nthis Agreement or where we have reason to doubt your\ncreditworthiness (for example, if you pay us with insufficient\nfunds checks on more than an occasional basis). Your\nobligations under this Agreement continue after your rights to\nobtain credit have been terminated or suspended.\n\nbefore we receive it (we need not stop payment on checks or\nsimilar instruments that we issue on your behalf). We may pay\npostdated checks or similar instruments (including electronic\nform or otherwise) unless you follow the procedure for stop\npayments. Checks or similar instruments (including electronic\nform or otherwise) that we provide to you may not be used to\nmake payments on any account you have with us.\n\n8. How account terms may change and certain rights\nThis section explains how we may change the rates, fees and\nother terms of your account and this agreement at any time. We\nwill give you notice of changes in terms as required by law. This\nsection also identifies certain rights.\n\n10. How cardmember benefits and reward programs work\nThis section describes some general terms & conditions relating to\nyour card benefits and rewards program if enrolled. Please consult\nthe full rewards program terms and conditions (available on our\nweb site at unionbank.com/rewardsdetails for more information).\n\nIMPORTANT NOTICE REGARDING CHANGES IN TERMS:\nSubject to applicable law, we may unilaterally change the Annual\nPercentage Rates, fees and other terms of this Agreement at\nany time, including after your account is closed (and regardless\nof the reason you or we closed the account). This includes\nmodifications, deletions and the addition of new provisions,\nincluding non-financial provisions (for example, we may add\nprovisions relating to our enforcement rights or the resolution\nof claims and disputes). If we make changes, we will send you\nall notices required by law. Unless we explain otherwise in a\nchange in terms notice you receive, the following rules will\napply: (1) changes will be automatically effective on the date we\nspecify and without the necessity of any further assent on your\npart; and (2) use of your account is not necessary for a change\nin terms to be effective.\n\nCARDMEMBER BENEFITS AND REWARDS: Cardmember\nbenefits and rewards are subject to change or termination\nwithout notice. Cardmember benefits and rewards may be\nprovided by third parties; we are not liable for such benefits or\nrewards or for the actions or omissions of those third parties.\n\nOUR RIGHTS: Our failure to exercise, or our delay in exercising,\nany of our rights under the Agreement for any reason will not\nmean we are unable to exercise those rights later. We may,\nfrom time to time on a consistent or inconsistent basis, take\n(or refrain from taking) certain actions that benefit you but\nthat are not required by this Agreement or applicable law. Any\nsuch course of dealing or course of performance shall not be\nconsidered to add to our legal obligations to you under this\nAgreement. We may discontinue any such course of dealing or\ncourse of performance at any time without prior written notice.\n9. How to use your account without using your credit card\nYour account is more than the plastic card itself. There are other\nways to access your credit line including by check or other credit\naccess device. This section identifies how such checks and\ndevices will be treated and different APRs that may apply other\nthan your normal purchase rate.\nCHECKS THAT ACCESS YOUR ACCOUNT: Any checks or\nsimilar instruments (including electronic form or otherwise)\nthat we provide to you or issue on your behalf will be treated\nas cash advance transactions, unless we indicate otherwise\n(for example, we may indicate that certain Special Offer\nchecks used to make balance transfers will be treated as\nPurchases). To stop payment on a check or similar instrument\n(including electronic form or otherwise), you must notify us\nof the number and amount of the check or similar instrument\n\n11. How we communicate with you and share information\nwith credit bureaus\nThis section explains how we may retain your phone numbers\nor addresses and use them to contact you later if we need to\nreach you. It also explains how we report information about your\naccount to credit reporting agencies and reminds you to notify\nus of a change of address 10 days before you move.\nCOMMUNICATIONS WITH YOU AND OTHERS: We may call\n(using live operators, automatic dialing devices, or recorded\nmessages) or e-mail you at home or work and those calls or\ne-mails will not be considered unsolicited. If you provided a\ncell phone number to us on the application for this account,\nyou agreed that we may contact you (including for collection\npurposes) at that cell phone number. Subject to applicable law,\nwe may monitor or record any calls we make or receive. If you\nprovide us with an e-mail address, either on the application or\nto a representative or if you send us an e-mail, you agree that\nwe may contact you (including for collection purposes) at that\ne-mail address. We may report information about your account\nto credit bureaus. Late payments, missed payments, or other\ndefaults on your account may be reflected in your credit report.\nWe may make inquiries of third parties in connection with\nmaintaining and collecting your account, and you authorize\nsuch third parties to release information about you to us. You\nagree to notify us of any change in your mailing address at least\nten (10) days before such change. If mailed, notices to you shall\nbe considered given when we include the notice on or with\nyour billing statement or when we deposit the notice in the U.S.\nmail addressed to the most recent address we have for you.\n12. Transferring your account and laws that govern your\naccount with us\nThis section explains how we may transfer your account and our\nrights to other parties. It also explains that you may not transfer\nyour rights or duties under the agreement to another person. It also\nidentifies the laws that govern your account and this agreement.\n\n\x0cTRANSFERS: We may transfer all or part of your account\nbalance, along with our rights under this Agreement, to another\nperson or entity. That person or entity will then be entitled to\nenforce our rights under this Agreement. You may not transfer\nyour rights or obligations under this Agreement.\nGOVERNING LAW: This Agreement (including restrictions on\ninterest) shall be governed by FEDERAL law and to the extent\nstate law applies, Washington law, regardless of conflict of law\nprinciples. If there is any conflict between any of the terms\nand conditions of this Agreement and applicable law, this\nAgreement will be considered changed to the extent necessary\nto comply with applicable law. Where this Agreement provides\nthat we may exercise discretion in taking certain actions, those\nprovisions are not intended to authorize us to take actions that\nare contrary to applicable law. We have additional obligations\nunder applicable law. We are not excused from complying\nwith those obligations simply because they are not detailed in\nthis Agreement. You agree that all terms of this Agreement are\nmaterial to the determination of interest.\n13. Scope of our agreement with you\nThis section helps explain the scope of our agreement with you\nand how it will be applied and interpreted.\nENTIRE AGREEMENT AND SEVERABILITY: This Agreement, as\nmodified by any change in terms we may provide, supersedes\nany prior communications between you and us. Any invalid\nor unenforceable provision of this Agreement will not affect\nwhether any other provision is valid or enforceable.\nSECTION HEADINGS AND SUMMARIES: The section headings\nand summaries provided in this Agreement are provided only\nfor your and our convenience. The section headings and\nsummaries do not define or describe the entire scope or intent\nof any portion of this Agreement.\n14. RESOLUTION OF CLAIMS BY ARBITRATION\nPLEASE READ THIS PROVISION CAREFULLY. UNDER THIS\nPROVISION, YOU WAIVE YOUR RIGHTS TO TRY ANY\nCLAIM IN COURT BEFORE A JUDGE OR JURY AND\nTO BRING OR PARTICIPATE IN ANY CLASS OR OTHER\nREPRESENTATIVE ACTION.\nThe following provision applies to any claim, cause of action,\nproceeding, or other dispute between us concerning this\nAgreement (each, a \xe2\x80\x9cClaim\xe2\x80\x9d), including all questions of law or\nfact relating thereto:\nOption to Arbitrate. Either you or we may elect in writing,\nwithout the consent of the other, to arbitrate all Claims covered\nby this provision. This provision will be broadly interpreted in\naccordance with the following paragraphs.\nClaims Covered. Claims subject to arbitration hereunder shall\ninclude all of the following:\n\xe2\x80\xa2 Claims arising out of or related to this Agreement, or any prior\nor later versions of this Agreement\n\n\xe2\x80\xa2 Claims that relate to the construction, scope, applicability, or\nenforceability of this provision\n\xe2\x80\xa2 Claims that arose before we entered into this Agreement\nor any other agreement or relationship between us that is\ngoverned by this Agreement (including, but not limited to,\nClaims relating to advertising)\n\xe2\x80\xa2 Claims that may arise after the termination of this Agreement\nor any other agreement or relationship between us that is\ngoverned by this Agreement\n\xe2\x80\xa2 Claims asserted by or against your or our respective\nsubsidiaries, affiliates, agents, employees, predecessors-ininterest, personal representatives, heirs, and/or successors\nand assigns\nClaims Not Covered. Claims subject to arbitration hereunder\nshall not include the following:\n\xe2\x80\xa2 Any Claim made in any proceeding that you commence in\nsmall claims court, so long as it remains in that court\n\xe2\x80\xa2 Any Claim set forth in any complaint or other communication\nthat you may file with or send to a federal, state, or local\nadministrative agency, such as the Office of the Comptroller\nof the Currency or the Consumer Financial Protection Bureau,\nunless such agency asserts jurisdiction over the claim, and\nindependently determines the rights of the parties\n\xe2\x80\xa2 Any Claim arising out of the exercise by either of us of any\nself-help remedy, including any offset, account hold or freeze,\nor repossession\n\xe2\x80\xa2 Any Claim arising out of or related to an obligation secured by\nan interest in real property\nArbitration Procedure. You and we agree to the following\nprocedures in arbitrating any covered Claim:\n\xe2\x80\xa2 The party initiating arbitration may choose between arbitration\nadministered by one of the following:\n\xe2\x80\x93 The American Arbitration Administration (\xe2\x80\x9cAAA\xe2\x80\x9d) under the\nAAA\xe2\x80\x99s Commercial Arbitration Rules and the Supplementary\nProcedures for Consumer Related Disputes, except as\nmodified by this Agreement. AAA\xe2\x80\x99s rules may be obtained\nfrom www.adr.org or 1-800-778-7879 (toll free).\n\xe2\x80\x93 JAMS/Endispute (\xe2\x80\x9cJAMS\xe2\x80\x9d) under JAMS\xe2\x80\x99 Comprehensive\nArbitration Rules & Procedures or Streamlined Arbitration Rules\n& Procedures, including JAMS\xe2\x80\x99 Consumer Minimum Standards,\nexcept as modified by this Agreement. JAMS\xe2\x80\x99 Class Action\nProcedures shall not apply. JAMS\xe2\x80\x99 rules may be obtained from\nwww.jamsadr.com or 1-800-352-5267 (toll free).\n\xe2\x80\xa2 Except in the case of a new arbitration by a 3-arbitrator panel, as\nprovided for below, the arbitration shall be decided by a single\nneutral arbitrator selected in accordance with AAA\xe2\x80\x99s or JAMS\xe2\x80\x99\nrules, as applicable.\n\xe2\x80\xa2 The arbitrator will take reasonable steps to protect customer\naccount information and other confidential information.\n\xe2\x80\xa2 The arbitrator will decide the dispute in accordance with the\nterms of our agreements and applicable substantive law,\nincluding statutes of limitation and evidentiary privileges.\nThe arbitrator may award damages or other relief (including\n\n\x0c\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\ninjunctive relief) available to the individual claimant under\napplicable law.\nIf the arbitrator\xe2\x80\x99s award for a claimant is $0 or against the\nnon-claimant is greater than $100,000 or includes an award\nof injunctive relief against either party, then that party may\nrequest a new arbitration by a 3-arbitrator panel in accordance\nwith AAA\xe2\x80\x99s or JAMS\xe2\x80\x99 rules, in which case each reference in this\nprovision to the arbitrator shall mean such 3-arbitrator panel.\nArbitration shall be commenced in the state in which your\naccount is located. Any arbitration hearing shall be conducted\nin the county in which your account is located, unless you and\nwe agree to another location.\nIf all Claims are for $10,000 or less, you may choose whether\nthe arbitration will be conducted solely on the basis of\ndocuments submitted to the arbitrator, through a telephonic\nhearing, or by an in-person hearing in accordance with AAA\xe2\x80\x99s\nor JAMS\xe2\x80\x99 rules.\nYOU AND WE AGREE THAT ANY CLAIM MAY BE BROUGHT\nONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A\nREPRESENTATIVE OR MEMBER IN ANY CLASS OR OTHER\nREPRESENTATIVE ACTION. The arbitrator may not consolidate\nmore than 1 person\xe2\x80\x99s Claims, and may not otherwise preside\nover any form of a class or other representative action. If\nthis specific paragraph is determined by the arbitrator to be\nunenforceable, then this entire provision shall be null and\nvoid, and all Claims shall be determined in accordance with\nthe provision of this Agreement entitled Resolution of NonArbitrable Claims.\nAt your or our request, the arbitrator will issue a reasoned\nwritten decision sufficient to explain the essential findings\nand conclusions on which the award is based.\n\n\xe2\x80\xa2 The arbitrator\xe2\x80\x99s award shall be final and binding, subject to\njudicial review only to the extent allowed under the Federal\nArbitration Act. You or we may seek to have the award\nvacated or confirmed and entered as a judgment in any\ncourt having jurisdiction.\nArbitration Costs. Unless the applicable arbitration rules are\nmore favorable to you, we will advance (i) all arbitration costs\nin an arbitration that we commence, and (ii) the first $2,500\nin arbitration filing, administration, and arbitrator\xe2\x80\x99s fees in an\narbitration that you commence. To the extent allowed by\napplicable law and our agreements, the arbitrator may award\narbitration costs and attorneys\xe2\x80\x99 fees to the prevailing party.\nApplicable Law; Severance. This Agreement evidences\ntransactions in interstate commerce. The Federal Arbitration\nAct governs the interpretation and enforcement of this provision.\nExcept as this provision otherwise provides, if any part of this\nprovision is deemed to be invalid or unenforceable, that part\nwill be severed from the remainder of this provision and the\nremainder of this provision will be enforced.\n\nResolution of Non-Arbitrable Claims. If your Agreement is\ngoverned by California law, the following applies: All Claims that\nare not arbitrable under this Agreement, including all questions\nof law or fact relating thereto, shall at the written request of\nany party, be determined by judicial reference pursuant to the\nCalifornia Code of Civil Procedure. The parties acknowledge\nthat in such event, a jury will not decide such Claims.\nIf your Agreement is governed by a state other than California,\nthe following applies: To the maximum extent permitted by\nlaw, you and the Bank intentionally and deliberately waive the\nright to a trial by jury to resolve all Claims that are not arbitrable\nunder this Agreement, including all questions of law or fact\nrelating thereto.\nIf the waiver of jury trial set forth above is not enforceable for\nany reason: Then the parties hereto agree that all Claims that\nare not arbitrable under this Agreement, including all questions\nof law or fact relating thereto, shall, at the written request of\nany party, be determined by judicial reference pursuant to the\napplicable state statutes. The parties acknowledge that in such\nevent, a jury will not decide such Claims. The parties shall select\na single neutral referee, who shall be a retired state or federal\njudge (the \xe2\x80\x9cReferee\xe2\x80\x9d). In the event that the parties cannot agree\nupon a Referee, the court shall appoint the Referee. The Referee\nshall report a statement of decision to the court. Nothing in\nthis provision shall limit the right of any party at any time to\nexercise self-help remedies, foreclose against collateral, or obtain\nprovisional remedies. The parties shall bear the fees and expenses\nof the Referee equally, unless the Referee orders otherwise. The\nReferee shall also determine all issues relating to the applicability,\ninterpretation, and enforceability of this provision.\n15. Your billing rights as a cardmember\nThis section describes specific legal rights you have as a\ncardmember. It explains how you may dispute an item on\nyour statement, what you may do if you are dissatisfied with a\npurchase from a merchant and the limits on your liability for\nunauthorized transactions.\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\nWhat To Do If You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at:\nUnion Bank\nP.O. Box 2988\nOmaha, NE 68103-2988\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your\nbill, describe what you believe is wrong and why you believe\nit is a mistake.\n\n\x0cYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call\nus, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n(1) Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we have\nalready corrected the error.\n(2) Within 90 days of receiving your letter, we must either correct\nthe error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you\nas delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and\nwe may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay\nthe amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe\nand the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong,\nyou must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We\nmust tell you the name of anyone to whom we reported you\nas delinquent, and we must let those organizations know when\nthe matter has been settled between us.\n\nYour Rights If You Are Dissatisfied With Your Credit\nCard Purchases\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card and you have tried in good\nfaith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n(1) The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n(2) You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n(3) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied\nwith the purchase, contact us in writing at:\nUnion Bank\nP.O. Box 2988\nOmaha, NE 68103-2988\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\n16. Liability for unauthorized use\nIf you notice the loss or theft of your credit card or a possible\nunauthorized use of your card, you should call us at 844-8605465. You will not be liable for any unauthorized use that occurs\nafter you notify us. You may, however, be liable for unauthorized\nuse that occurs before your notice to us. In any case, your\nliability will not exceed $50.00.\n\nIf we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill\nis correct.\n\n\xc2\xa92016 MUFG Union Bank, N.A. All rights reserved. Member FDIC.\nUnion Bank is a registered trademark and brand name of MUFG Union Bank, N.A. unionbank.com\x08\n\n8913123-01 (08/16)\n\nM-117166\n\n\x0c'