b'Summary of Credit Terms- Union Bank Bank Freely Rewards Visa Card\nPLEASE NOTE: If you apply for the Union Bank\xc2\xae Bank FreelyTM Rewards Visa\xc2\xae Card and meet our eligibility criteria for the\nVisa Signature\xc2\xae Card, you agree that we may consider your application as one for (and upgrade you to) the Union Bank Bank\nFreely Rewards Visa Signature Card.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0.00% Introductory APR for the first 12 months that your account is open.\nAfter that, your APR will be 13.99% to 23.99%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n0.00% Introductory APR for the first 12 months that your account is open.\nAfter that, your APR will be 13.99% to 23.99%, based on your creditworthiness. This\nAPR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n25.25%.\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR\n\nNone\n\nPaying Interest\n\nYour due date is at least 21 calendar days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due date each\nmonth. We will begin charging interest on cash advances and balance transfers on the\ntransaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.75.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2\n\nBalance Transfer\n\nEither $10 or 3% of the amount of each balance transfer, whichever is greater.\n\n\xe2\x80\xa2\n\nCash Advance\n\nEither $15 or 5% of the amount of each cash advance, whichever is greater.\n\n\xe2\x80\xa2\n\nForeign Transaction\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2\n\nLate Payment\n\nUp to $37.\n\n\xe2\x80\xa2\n\nOver-the-Credit Limit\n\nNone\n\n\xe2\x80\xa2\n\nReturned Payment\n\nUp to $35.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\n\nThe above information, such as rates and fees, is accurate as of 3/16/2020 and is subject to change. Please contact Union\nBank Customer Service at 877-505-6789 for up-to-date information.\n\nSEE BACK OF PAGE for more important information about your account.\n\nPage 1 of 5\n\n\x0cADDITIONAL TERMS & CONDITIONS\nIf an account is opened, you will receive a Cardmember Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) with your card(s). You agree to the terms of this Agreement by: using the\naccount or any card, authorizing their use, or making any payment on the account. We have the right to change the account terms (including the APRs) in\naccordance with your Cardmember Agreement. We reserve the right to change the benefit features associated with your card at any time. Complete terms\nand conditions will be provided to you when you become an approved cardmember. Cards are issued and serviced by Union Bank Card Services, a division\nof MUFG Union Bank, N.A.\n\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT\nTo help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, verify,\nand record information that identifies each person (including business entities) who opens an account. What this means for you: When you open an account,\nwe will ask for your name, physical address, date of birth, and other information that will allow us to identify you. We may also ask for other identifying\ndocuments. We will let you know if additional information is required.\n\nCREDIT REPORT AUTHORIZATION\nBy submitting an application for credit, you authorize us to obtain credit bureau reports that we will use when considering your application for credit. You\nalso authorize us to obtain credit bureau reports and any other information about you in connection with the extensions of credit on your account and\nthe administration, review or collection of your account. If you ask, we will tell you the name and address of the credit bureau from which we obtained a\nreport about you. You also authorize us to verify your employment, income and other relevant information.\n\nCOMMUNICATION AUTHORIZATION\nBy providing us with your residential phone number or cell phone number, you agree that we (including companies working on our behalf) have your\npermission to contact you at the number provided about any of your Union Bank accounts, and that we may use text messaging, artificial or prerecorded voice\nmessages and automatic dialing technology for informational and account servicing calls, as well as for collection purposes. Message and data rates may\napply.\n\nARBITRATION NOTICE\nIf you are issued a credit card, your Agreement will contain a binding arbitration provision. In the event of any dispute relating to your account, the dispute will\nbe resolved by binding arbitration pursuant to the rules of the American Arbitration Association or JAMS/Endispute. Both you and we agree to waive the right\nto go to court or to have the dispute heard by a jury (except as to any collection activities on your account). You and we will be waiving any right to a jury trial\nand you also would not have the right to participate as a part of a class of claimants relating to any dispute with us. Other rights available to you in court may\nalso be unavailable in arbitration. When you receive your Agreement, you should read the Resolution of Claims by Arbitration provision in your Agreement\ncarefully and not accept or use the Card unless you agree to be bound by the arbitration provision.\n\nBALANCE TRANSFERS\nIf you are issued a credit card, you authorize us to make one or more of the balance transfers that you have requested from credit card accounts or other types\nof accounts with other financial institutions. All balance transfer requests are subject to our approval; we are not liable if we do not make a requested balance\ntransfer. We reserve the right to make balance transfers in the order we select and to limit the amount of the balance transfers that we make (this amount\nmay be less than your total credit limit). If you request an amount that we do not approve, we may process a partial transfer for less than you requested or we\nmay decline the entire request. In addition, transfer requests that are incomplete, illegible or requested to cash, to yourself or to another account with us or\none of our affiliates need not be processed. You should not transfer any amount that is in dispute in order to preserve your dispute rights. When you transfer\na balance from another account, we send a payment in the amount of the balance transfer to the other financial institution. We have no control over, and are\nnot responsible for, how and when the other financial institution applies the payment. You are responsible for verifying that the other financial institution applies\nthe balance transfer payment in accordance with your other account\xe2\x80\x99s terms. You should continue to monitor the other accounts that you request a transfer\nbalance to and you should continue to pay the minimum payments due on those accounts until you receive statements from those creditors showing that the\nbalances due them have been paid in full. This might not happen until after the balance transfer appears on your billing statement from us. You are liable for\nany late payments, finance charges or disputed amounts on your other accounts. We do not send instructions to the other financial institution to close your\nother account. If you want the other account to be closed, you must do that yourself. Balance transfers are subject to applicable fees and finance charges\nand do not have the benefit of a grace period. If you take advantage of a balance transfer offer and continue to use the credit card to make purchases,\nyou will lose the interest-free grace period on the new purchases unless you pay the entire statement balance, including the amount subject to the\npromotional APR, by the payment due date.\n\nOVERDRAFT PROTECTION LINKED TO A UNION BANK CREDIT CARD\nBy enrolling in Overdraft Protection Linked to a Union Bank Credit Card, you authorize the Bank to make advances on your Union Bank Credit Card (subject\nto your available credit) in order to cover transactions (including transfers between checking, money market, and savings accounts) presented for payment\nagainst insufficient funds. We will not authorize transactions requiring real-time authorization (such as ATM withdrawals, ATM or Debit Card purchases, and\ncash withdrawals in a Union Bank branch) using this service. If you attempt a transaction requiring real-time authorization and there are insufficient available\nfunds in the linked checking account, the transaction will be declined. Activation of the Overdraft Protection service may take up to 5 business days following\nthe approval of a new credit card account; for customers with an existing open credit card account, it may take up to 5 business days from the initial request\nto enroll in the Overdraft Protection service.\nEach business day that we determine that your linked checking account is overdrawn by any amount, you authorize us to make an Overdraft Advance equal\nto a) $50, or b) the next highest multiple of $50 that will equal or exceed the linked checking account overdraft, as determined by us. For example, if we\ndetermine that your linked checking account is overdrawn by $125, you understand and agree that we may automatically make an Overdraft Advance of $150\nfrom your Union Bank Credit Card for deposit to your linked checking account. We will make advances only once each business day.\nAdvances will only be processed if at least one transaction can be covered by the advanced amount. Any negative balance from a previous business day will\nnot trigger an advance unless another eligible transaction is presented for payment and there is sufficient available credit on the credit card account to cover\nat least that additional transaction. If you do not have sufficient available credit on your credit card account to cover all transactions, your linked checking\naccount may be subject to fees for any uncovered transactions. The total advance amount will appear on the linked checking account statement each day an\nadvance is made. Only one checking account may be linked to one credit card account, and both accounts must have a common owner. If your linked\nchecking account is changed to a closed status for any reason, Union Bank may terminate the Overdraft Protection Linked to a Union Bank Credit Card service\n\nPage 2 of 5\n\n\x0cwithout notice.\nOverdraft Advances will be added to your Overdraft Advance Balance Category on your credit card monthly statement and be charged the Overdraft Advance\nAnnual Percentage Rate. Your APR will be 13.99% to 23.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.\nNo grace period will apply when calculating finance charges for Overdraft Advances. If your linked credit card account is changed to a closed status for any\nreason, Union Bank may terminate the Overdraft Protection Linked to a Union Bank Credit Card service without notice. You may cancel this service at any\ntime.\nSome accounts may not be eligible for Overdraft Protection Linked to a Union Bank Credit Card. For more information, see the Union Bank Personal\nAccounts & Services Disclosure and Agreement.\n\nOTHER DISCLOSURES\nWASHINGTON STATE RESIDENTS: Washington state law prohibits discrimination in credit transactions because of race, creed, color, national origin, sex,\nor marital status. The Washington State Human Rights Commission administers compliance with this law.\nCALIFORNIA RESIDENTS: A married applicant may apply for a separate account. Additionally, we may obtain information at any time from the California\nDepartment of Motor Vehicles. You agree to waive the address confidentiality requirements section of the California Vehicle Code (Section 1808.21).\nOHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit\nreporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this\nlaw.\nNOTICE TO MARRIED WISCONSIN APPLICANTS: No provision of any marital property agreement, unilateral statement or court decree adversely affects\nour interests and/or rights unless, prior to the time the credit is granted or an open-end credit plan is entered into, we are furnished with a copy of the agreement,\nstatement, or decree, or have actual knowledge of the adverse provision. Married Wisconsin residents applying for credit separately must\nfurnish name and address of their spouse to Union Bank at P.O. Box 51442, Los Angeles, CA 90051.\nNEW YORK RESIDENTS may contact the New York State Department of Financial Services by telephone at 1-800-342-3736 or visit its website at\nhttp://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.\n\nMILITARY LENDING ACT\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the\ncost 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\ninclude, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection\nwith the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation\nfee charged (other than certain participation fees for a credit card account).\nAdditionally, if any clause in your Cardmember Agreement with us conflicts with the federal law protections afforded to members of the Armed Forces,\nincluding any provision related to mandatory arbitration, federal law will prevail.\nIf you would like to receive this Military Lending Act disclosure orally, please call 1-877-925-8666.\n\nPage 3 of 5\n\n\x0cREWARDS PROGRAM TERMS AND CONDITIONS\nThe following is a summary of certain key terms and conditions for the Union Bank Rewards Program for the Union Bank Bank Freely Rewards Visa Credit\nCard. You will receive complete Program terms and conditions with your account opening materials if your application is approved.\nEARNING CASH BACK REWARDS\nPurchases\nYou earn cash back rewards when you (or your authorized user) make Purchases of products and services with your credit card, excluding disputed items\nand items that are subsequently subject to a refund or credit (such as returned merchandise) (collectively \xe2\x80\x9cPurchases\xe2\x80\x9d).\nPurchases do not include:\na)\nb)\nc)\nd)\ne)\nf)\n\nAnnual fees, finance charges and other fees or charges posted by us to the account;\nCash advances (including but not limited to cash received over the amount of Purchases charged to the account, Purchases of money orders\nor other cash equivalents) or special check transactions;\nBalance transfers;\nOverdraft advances;\nCharges for other products, services, or benefits that we provide (such as credit insurance premiums); or\nOther transactions that we determine not to be eligible.\n\nCash back rewards are not earned until they appear on the account statement. Cash back rewards that have been awarded may be deducted if, after cash\nback rewards are awarded, Purchases are subsequently subject to a refund, credit or dispute. We reserve the right to retroactively correct errors made in\npoint awards. Cash back rewards you earn during the billing cycle will be added to your rewards balance within 7 days after the end of the billing cycle.\nIntroductory Cash Back Rewards Bonus\nYou will earn a $100 introductory cash back rewards bonus following your first $1,000 in Purchases made within 3 months of account opening. This\n$100 cash back rewards bonus will post to your reward balance within 8 weeks after the close of your third billing cycle. You are limited to one introductory\ncash back rewards bonus per card account.\nCash Back Rewards\nYou will earn 1.5% cash back rewards for each $1.00 spent on Purchases posted to your account.\nCASH BACK REWARDS REDEMPTION\nYou may redeem for the following:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nA statement credit to your card account;\nA deposit into a non-Union Bank checking or savings account;\nA deposit into a Union Bank checking or savings account. Cash back rewards redeemed into a Union Bank checking or savings account will\nreceive a 25% bonus;\nA principal reduction payment to your Union Bank mortgage account. Cash back rewards redeemed as a principal reduction to a Union Bank\nmortgage will receive a 50% bonus.\n\nYou must have a Union Bank checking account, savings account, or residential mortgage account in an open status with Union Bank to qualify for the last two\ncash back redemption methods referenced above.\nWhen you redeem cash back rewards for a statement credit to your card account, the statement credit is treated as an additional payment on your\naccount. You are still required to make your regular monthly account payments as indicated on your monthly statements. Statement credits will\npost to your card account within 5 business days. It may not appear on your monthly statement for 1 to 2 billing cycles.\nWhen you redeem cash back rewards into a Union Bank checking or savings account, the deposit will post to your checking or savings account within 5\nbusiness days.\nWhen you redeem cash back rewards for a principal reduction payment to your Union Bank mortgage account, the payment will be applied as an extra principal\npayment and will not count toward your regular monthly payment. You are still required to make your regular mortgage account payments as indicated\non your monthly mortgage statements. Principal reduction payments will post to your mortgage account within 5 business days. It may not appear on your\nmortgage account monthly statement for 1 to 2 billing cycles.\nWhen you redeem cash back rewards i n to a non-Union Bank checking or savings account, the deposit will post to your checking or savings account\nwithin 7 to 10 business days.\nWe may also provide additional redemption options from time to time. Redemption options are offered solely in our discretion, are not guaranteed, and are\nsubject to any limits that we may impose. Redemption options may be withdrawn at any time without notice.\nThe amount of cash back rewards redeemed will be subtracted from your rewards balance. We may, in our discretion, set a minimum or a maximum\nnumber of cash back rewards that you may redeem in a single transaction. We may adjust this amount from time to time. We also may require that\nredemptions occur in round increments that we will set in our discretion from time to time. All redemption transactions are final.\nCASH BACK REWARDS EXPIRATION\nCash back rewards do not expire for the life of the account. However, if your account is closed by you or by us, you will lose any cash back rewards you have\nnot redeemed.\nPROGRAM CHANGES\nWe reserve the right to change these Program terms and conditions with or without prior notice (except where required by law). Cash back rewards redemption\namounts may change at any time.\n\nPage 4 of 5\n\n\x0cDISQUALIFICATION/TERMINATION\nIf the account does not remain in good standing, you will not earn future cash back rewards, cannot redeem cash back rewards, and you will forfeit any\naccumulated cash back rewards previously earned. An account is in good standing when no event has occurred that allows us to require immediate\npayment of your entire balance under the Agreement, including, without limitation, failing to make the minimum payment when due, having a payment to\nus denied, providing us false or misleading information, or other reasons described in the Rewards Program Terms and Conditions.\nWe reserve the right to disqualify or remove any person or account from participation in the Program, refuse to award or redeem cash back rewards, or close\nyour account at any time, for any reason including, but not limited to, your account being inactive (as such term is defined by us from time to time). If such a\ndisqualification occurs, it may result in the forfeiture of any accumulated Cashback Rewards. Closing your account (by you or by us) will result in the termination\nof your enrollment in the Program, and any accumulated cash back rewards will be forfeited.\n\nCards are issued and serviced by Union Bank Card Services, a division of MUFG Union Bank, N.A.\n\xc2\xa92020 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\nUnion Bank Bank Freely Rewards Visa Card (BFC/CEC15ALL)- Web 05/20\n\nPage 5 of 5\n\n\x0c'


b'Summary of Credit Terms- Union Bank Rewards Visa Signature for The Private Bank\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n13.99% to 23.99%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n13.99% to 23.99%, based on your creditworthiness. This APR will vary with the market\nbased on the Prime Rate.\n\nAPR for Cash Advances\n\n25.25%.\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR\n\nNone\n\nPaying Interest\n\nYour due date is at least 21 calendar days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due date each\nmonth. We will begin charging interest on cash advances and balance transfers on the\ntransaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.75.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$199\n\nTransaction Fees\n\xe2\x80\xa2\n\nBalance Transfer\n\nEither $10 or 5% of the amount of each balance transfer, whichever is greater.\n\n\xe2\x80\xa2\n\nCash Advance\n\nEither $15 or 5% of the amount of each cash advance, whichever is greater.\n\n\xe2\x80\xa2\n\nForeign Transaction\n\nNone\n\nPenalty Fees\n\xe2\x80\xa2\n\nLate Payment\n\nUp to $37.\n\n\xe2\x80\xa2\n\nOver-the-Credit Limit\n\nNone\n\n\xe2\x80\xa2\n\nReturned Payment\n\nUp to $35.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\n\nThe above information, such as rates and fees, is accurate as of 3/16/2020 and is subject to change. Please contact Union Bank\nCustomer Service at 877-505-6789 for up-to-date information.\n\nSEE BACK OF PAGE for more important information about your account.\n\nPage 1 of 5\n\n\x0cADDITIONAL TERMS & CONDITIONS\nIf an account is opened, you will receive a Cardmember Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) with your card(s). You agree to the terms of this Agreement by: using\nthe account or any card, authorizing their use, or making any payment on the account. We have the right to change the account terms (including the\nAPRs) in accordance with your Agreement. We reserve the right to change the benefit features associated with your card at any time. Complete terms\nand conditions will be provided to you when you become an approved cardmember. Cards are issued and serviced by Union Bank\xc2\xae Card Services, a\ndivision of MUFG Union Bank, N.A.\n\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT\nTo help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain,\nverify, and record information that identifies each person (including business entities) who opens an account. What this means for you: When you open\nan account, we will ask for your name, physical address, date of birth, and other information that will allow us to identify you. We may also ask for other\nidentifying documents. We will let you know if additional information is required.\n\nCREDIT REPORT AUTHORIZATION\nBy submitting an application for credit, you authorize us to obtain credit bureau reports that we will use when considering your application for credit. You\nalso authorize us to obtain credit bureau reports and any other information about you in connection with the extensions of credit on your account and the\nadministration, review or collection of your account. If you ask, we will tell you the name and address of the credit bureau from which we obtained a report\nabout you. You also authorize us to verify your employment, income and other relevant information.\n\nCOMMUNICATION AUTHORIZATION\nBy providing us with your residential phone number or cell phone number, you agree that we (including companies working on our behalf) have your\npermission to contact you at the number provided about any of your Union Bank accounts, and that we may use text messaging, artificial or prerecorded\nvoice messages and automatic dialing technology for informational and account servicing calls, as well as for collection purposes. Message and data\nrates may apply.\n\nARBITRATION NOTICE\nIf you are issued a credit card, your Agreement will contain a binding arbitration provision. In the event of any dispute relating to your account, the dispute\nwill be resolved by binding arbitration pursuant to the rules of the American Arbitration Association or JAMS/Endispute. Both you and we agree to waive\nthe right to go to court or to have the dispute heard by a jury (except as to any collection activities on your account). You and we will be waiving any right\nto a jury trial and you also would not have the right to participate as a part of a class of claimants relating to any dispute with us. Other rights available to\nyou in court may also be unavailable in arbitration. When you receive your Agreement, you should read the Resolution of Claims by Arbitration provision\nin your Agreement carefully and not accept or use the Card unless you agree to be bound by the arbitration provision.\n\nBALANCE TRANSFERS\nIf you are issued a credit card, you authorize us to make one or more of the balance transfers that you have requested from credit card accounts or other\ntypes of accounts with other financial institutions. All balance transfer requests are subject to our approval; we are not liable if we do not make a requested\nbalance transfer. We reserve the right to make balance transfers in the order we select and to limit the amount of the balance transfers that we make (this\namount may be less than your total credit limit). If you request an amount that we do not approve, we may process a partial transfer for less than you\nrequested or we may decline the entire request. In addition, transfer requests that are incomplete, illegible or requested to cash, to yourself or to another\naccount with us or one of our affiliates need not be processed. You should not transfer any amount that is in dispute in order to preserve your dispute\nrights. When you transfer a balance from another account, we send a payment in the amount of the balance transfer to the other financial institution. We\nhave no control over, and are not responsible for, how and when the other financial institution applies the payment. You are responsible for verifying that\nthe other financial institution applies the balance transfer payment in accordance with your other account\xe2\x80\x99s terms. You should continue to monitor the\nother accounts that you request a transfer balance to and you should continue to pay the minimum payments due on those accounts until you receive\nstatements from those creditors showing that the balances due them have been paid in full. This might not happen until after the balance transfer appears\non your billing statement from us. You are liable for any late payments, finance charges or disputed amounts on your other accounts. We do not send\ninstructions to the other financial institution to close your other account. If you want the other account to be closed, you must do that yourself. Balance\ntransfers are subject to applicable fees and finance charges and do not have the benefit of a grace period. If you take advantage of a balance transfer\noffer and continue to use the credit card to make purchases, you will lose the interest-free grace period on the new purchases unless you pay\nthe entire statement balance, including the amount subject to the promotional APR, by the payment due date.\n\nOVERDRAFT PROTECTION LINKED TO A UNION BANK CREDIT CARD\nBy enrolling in Overdraft Protection Linked to a Union Bank Credit Card, you authorize the Bank to make advances on your Union Bank Credit Card\n(subject to your available credit) in order to cover transactions (including transfers between checking, money market, and savings accounts) presented for\npayment against insufficient funds. We will not authorize transactions requiring real-time authorization (such as ATM withdrawals, ATM or Debit Card\npurchases, and cash withdrawals in a Union Bank branch) using this service. If you attempt a transaction requiring real-time authorization and there are\ninsufficient available funds in the linked checking account, the transaction will be declined. Activation of the Overdraft Protection service may take up to 5\nbusiness days following the approval of a new credit card account; for customers with an existing open credit card account, it may take up to 5 business\ndays from the initial request to enroll in the Overdraft Protection service.\n\nPage 2 of 5\n\n\x0cEach business day that we determine that your linked checking account is overdrawn by any amount, you authorize us to make an Overdraft Advance\nequal to a) $50, or b) the next highest multiple of $50 that will equal or exceed the linked checking account overdraft, as determined by us. For example,\nif we determine that your linked checking account is overdrawn by $125, you understand and agree that we may automatically make an Overdraft Advance\nof $150 from your Union Bank Credit Card for deposit to your linked checking account. We will make advances only once each business day.\nAdvances will only be processed if at least one transaction can be covered by the advanced amount. Any negative balance from a previous business day\nwill not trigger an advance unless another eligible transaction is presented for payment and there is sufficient available credit on the credit card account to\ncover at least that additional transaction. If you do not have sufficient available credit on your credit card account to cover all transactions, your linked\nchecking account may be subject to fees for any uncovered transactions. The total advance amount will appear on the linked checking account statement\neach day an advance is made. Only one checking account may be linked to one credit card account, and both accounts must have a common owner. If\nyour linked checking account is changed to a closed status for any reason, Union Bank may terminate the Overdraft Protection Linked to a Union Bank\nCredit Card service without notice.\nOverdraft Advances and the $10 daily Overdraft Advance Fee will be added to your Overdraft Advance Balance Category on your credit card monthly\nstatement and be charged the Overdraft Advance Annual Percentage Rate. Your APR will be 13.99% to 23.99%, based on your creditworthiness. This\nAPR will vary with the market based on the Prime Rate. No grace period will apply when calculating finance charges for Overdraft Advances. If your\nlinked credit card account is changed to a closed status for any reason, Union Bank may terminate the Overdraft Protection Linked to a Union Bank Credit\nCard service without notice. You may cancel this service at any time.\nSome accounts may not be eligible for Overdraft Protection Linked to a Union Bank Credit Card. For more information, see the Union Bank Personal\nAccounts & Services Disclosure and Agreement.\n\nAIRLINE INCIDENTAL FEES STATEMENT CREDIT\nReceive a statement credit of up to $100 per account per calendar year for Qualifying Airline Incidental Fee Purchases such as: baggage fees, in-flight\nfood and beverage purchases and ticket change/ cancellation fees. Learn more about your benefits at unionbank.com/airlineincidentalfees.\n\nAIRPORT LOUNGE ACCESS\nReceive 4 free visits to airport lounges worldwide with a complimentary 12 month Priority Pass\xe2\x84\xa2 Select Membership. After that, each visit is $32 (subject\nto change). Learn more about your benefits at unionbank.com/prioritypass.\n\nOTHER DISCLOSURES\nWASHINGTON STATE RESIDENTS: Washington state law prohibits discrimination in credit transactions because of race, creed, color, national origin,\nsex, or marital status. The Washington State Human Rights Commission administers compliance with this law.\nCALIFORNIA RESIDENTS: A married applicant may apply for a separate account. Additionally, we may obtain information at any time from the California\nDepartment of Motor Vehicles. You agree to waive the address confidentiality requirements section of the California Vehicle Code (Section 1808.21).\nOHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that\ncredit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance\nwith this law.\nNOTICE TO MARRIED WISCONSIN APPLICANTS: No provision of any marital property agreement, unilateral statement or court decree adversely\naffects our interests and/or rights unless, prior to the time the credit is granted or an open-end credit plan is entered into, we are furnished with a copy of\nthe agreement, statement, or decree, or have actual knowledge of the adverse provision. Married Wisconsin residents applying for credit separately\nmust furnish name and address of their spouse to Union Bank at P.O. Box 51442, Los Angeles, CA 90051.\nNEW YORK RESIDENTS may contact the New York State Department of Financial Services by telephone at 1-800-342-3736 or visit its website at\nhttp://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.\n\nMILITARY LENDING ACT\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general,\nthe 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\nrate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold\nin connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and\nany participation fee charged (other than certain participation fees for a credit card account).\nAdditionally, if any clause in your Agreement with us conflicts with the federal law protections afforded to members of the Armed Forces, including any\nprovision related to mandatory arbitration, federal law will prevail.\nIf you would like to receive this Military Lending Act disclosure orally, please call 1-877-925-8666.\n\nPage 3 of 5\n\n\x0cREWARDS PROGRAM TERMS AND CONDITIONS\nThe following is a summary of certain key terms and conditions for the Union Bank Rewards Program for the Union Bank Rewards Visa Signature\xc2\xae for\nThe Private Bank. You will receive complete Program terms and conditions with your account opening materials if your application is approved.\nEARNING REWARDS POINTS\nPurchases\nYou earn points when you (or your authorized user) make \xe2\x80\x9cPurchases\xe2\x80\x9d of products and services with your credit card, excluding disputed billing items and\nitems that are subsequently subject to a refund or credit (such as for returned merchandise) (collectively \xe2\x80\x9cPurchases\xe2\x80\x9d).\nPurchases do not include:\na) Annual fees, finance charges and other fees or charges posted by us to the account;\nb) Cash advances (including but not limited to cash received over the amount of Purchases charged to the account, Purchases of money orders\nor other cash equivalents) or special check transactions;\nc) Balance transfers;\nd) Overdraft advances;\ne) Charges for other products, services, or benefits that we provide (such as credit insurance premiums); or\nf)\nOther transactions that we determine not to be eligible.\nPoint awards are not earned until they appear on the account statement. Points that have been awarded may be deducted if, after points are awarded,\nPurchases are subsequently subject to a refund, credit or dispute. We reserve the right to retroactively correct errors made in point awards. We are solely\nresponsible for determining which transactions are eligible for point earnings, and our determination is final. Points you earn during the billing cycle will\nbe added to your rewards point balance within 7 days after the end of the billing cycle.\nIntroductory Rewards Bonus\nYou will earn a 30,000 introductory reward points bonus following your first $3,000 in Purchases made within 3 months of account opening. These\npoints will post to your rewards point balance within 8 weeks after the close of your third billing cycle. You are limited to one introductory reward points\nbonus per card account.\nAirline Points\nYou will earn 3 points (also referred to in marketing materials as \xe2\x80\x9c3X points\xe2\x80\x9d) (consisting of 1 base point and 2 bonus points) for each $1 spent for the\nfirst $6,000 of Purchases made during each year (based on your account opening date) on Airlines. An \xe2\x80\x9cAirline\xe2\x80\x9d Purchase is from a merchant with the\nmerchant category code (MCC) for \xe2\x80\x9cAirlines\xe2\x80\x9d (MCC 3000-3299) and \xe2\x80\x9cAirlines, Air Carriers (not listed elsewhere)\xe2\x80\x9d (MCC 4511). After you make $6,000 in\nPurchases with Airlines in a year, you will earn 1 point for each $1.00 spent on Purchases that you make with Airlines for the remainder of the year.\nRestaurant Points\nYou will earn 2 points (also referred to in marketing materials as \xe2\x80\x9c2X points\xe2\x80\x9d) (consisting of 1 base point and 1 bonus point) for each $1 spent for the first\n$6,000 of Purchases made during each year (based on your account opening date) at Restaurants. A \xe2\x80\x9cRestaurant\xe2\x80\x9d Purchase is from a merchant with the\nmerchant category code (MCC) for "Caterers" (MCC 5811), "Eating Places and Restaurants" (MCC 5812), "Drinking Places (Alcoholic Beverages), Bars,\nTaverns, Cocktail Lounges, Nightclubs and Discotheques" (MCC 5813) or "Fast Food Restaurants" (MCC 5814). After you make $6,000 in Purchases at\nRestaurants in a year, you will earn 1 point for each $1.00 spent on Purchases that you make at Restaurants for the remainder of the year.\nAll Other Purchases\nYou will earn 1 point (also referred to in marketing materials as \xe2\x80\x9c1X points\xe2\x80\x9d) for each $1 spent on all new eligible Purchases charged to the card each\nbilling cycle that are from merchants that are not Airline or Restaurant merchants.\nMerchant Category Codes & Purchases\nMerchants are assigned a merchant category code by payment card processors based upon the merchant\'s primary line of business. We do not determine\nthe MCC for a merchant. Whether a transaction is eligible for bonus points depends on the MCC actually assigned to a merchant. Purchases processed\nthrough merchants that do not process transactions under the eligible MCC and Purchases processed through third-party payment accounts (e.g.,\nPayPal\xe2\x84\xa2) will not qualify to receive bonus rewards.\nREWARD POINT REDEMPTION\nYou may redeem points for the following:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nMerchandise, gift cards/certificates, travel (airline, hotel and car rental), and additional redemption options based on the point redemption value\nassociated with the Reward, which may vary depending on the Reward;\nA statement credit to your card account at a rate of 1 cent per point;\nA deposit into a Union Bank checking or savings account at a rate of 1.25 cents per point;\nA principal reduction payment to your Union Bank mortgage account at a rate of 1.75 cents per point.\n\nPage 4 of 5\n\n\x0cYou must have a Union Bank checking account, savings account, or residential mortgage account in an open status with Union Bank to qualify for the last\ntwo point redemption methods referenced above.\nWhen you redeem points for a statement credit to your card account, the statement credit is treated as an additional payment on your account. You are\nstill required to make your regular monthly account payments as disclosed on your monthly statements. Statement credits will post to your card\naccount within 5 business days. It may not appear on your monthly statement for 1 to 2 billing cycles.\nWhen you redeem points for a deposit into a Union Bank checking or savings account, the deposit will post to your checking or savings account within 5\nbusiness days.\nWhen you redeem points for a principal reduction payment to your Union Bank mortgage account, the payment will be applied as an extra principal\npayment and will not count toward your regular monthly payment. You are still required to make your regular mortgage account payments as\ndisclosed on your monthly statements. Principal reduction payments will post to your mortgage account within 5 business days. It may not appear on\nyour mortgage account monthly statement for 1 to 2 billing cycles.\nWe may also provide additional redemption options from time to time. Redemption options are offered solely in our discretion, are not guaranteed, and\nare subject to any limits that we may impose. Redemption options may be withdrawn at any time without notice.\nThe amount of points redeemed for a Reward will be subtracted from your point balance. We may, in our discretion, set a minimum or a maximum number\nof points that you may redeem in a single transaction. We may adjust this amount from time to time. We also may require that redemptions occur in round\nincrements that we will set in our discretion from time to time. All Rewards are subject to availability. We may withdraw, change or replace any Reward\nitem. We may also change the number of points required to redeem a Reward, at any time and without prior notice to you. All redemption transactions\nare final. There are no refunds, exchanges, replacements or conversions for currency, credits, points, or Rewards. Point redemptions for Rewards may\nbe subject to shipping, handling or other fees, and shipping restrictions may apply.\nThe merchants participating in the Program are not affiliated with us nor are these merchants considered sponsors or co-sponsors of the Program. All\ntrademarks are the property of their respective owners. The merchants\xe2\x80\x99 terms and conditions apply to their respective gift cards/certificates, merchandise\nand/or services. Upon receiving your Rewards, see each merchant\xe2\x80\x99s specific terms and conditions for complete details, which are subject to change by\nthe merchants at their sole discretion from time to time, subject to applicable law.\nREWARD POINT EXPIRATION\nPoints are redeemed on a first-in, first-out basis and points. Points will expire on or after the third anniversary of the date earned.\nPROGRAM CHANGES\nWe reserve the right to change these Program terms and conditions with or without prior notice (except where required by law). Point redemption amounts\nmay change at any time.\nDISQUALIFICATION/TERMINATION\nIf the account does not remain in good standing, you will not earn future points, cannot redeem points, and you will forfeit any accumulated points previously\nawarded. An account is in good standing when no event has occurred that allows us to require immediate payment of your entire balance under the\nAgreement, including, without limitation, failing to make the minimum payment when due, having a payment to us denied, providing us false or misleading\ninformation, or other reasons described in the Rewards Program Terms and Conditions.\nWe reserve the right to disqualify or remove any person or account from participation in the Program, refuse to award or redeem points, or close your\naccount at any time, for any reason including, but not limited to, your account being inactive (as such term is defined by us from time to time). If such a\ndisqualification occurs, it may result in the forfeiture of any accumulated points. Closing your account (by you or by us) will result in the termination of your\nenrollment in the Program, and any accumulated points will be forfeited.\n\nCards are issued and serviced by Union Bank Card Services, a division of MUFG Union Bank, N.A.\n\xc2\xa92020 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\nUnion Bank Rewards Visa for The Private Bank (CPB/PBC321AR) \xe2\x80\x93 Web 05/20\n\nPage 5 of 5\n\n\x0c'


b'Summary of Credit Terms- Union Bank Platinum Visa\xc2\xae Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0.00% Introductory APR for the first 15 months that your account is open.\nAfter that, your APR will be 8.49% to 19.99%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n0.00% Introductory APR for the first 15 months that your account is open.\nAfter that, your APR will be 8.49% to 19.99%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n25.25%.\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR\n\nNone\n\nPaying Interest\n\nYour due date is at least 21 calendar days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due date each\nmonth. We will begin charging interest on cash advances and balance transfers on the\ntransaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.75.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2\n\nBalance Transfer\n\n\xe2\x80\xa2\n\nCash Advance\n\n$0 Introductory fee for balance transfers completed within 60 days of account opening. After\nthat, either $10 or 3% of the amount of each balance transfer, whichever is greater.\nEither $15 or 5% of the amount of each cash advance, whichever is greater.\n\n\xe2\x80\xa2\n\nForeign Transaction\n\n3% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2\n\nLate Payment\n\nUp to $37.\n\n\xe2\x80\xa2\n\nOver-the-Credit Limit\n\nNone\n\n\xe2\x80\xa2\n\nReturned Payment\n\nUp to $35.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\n\nThe above information, such as rates and fees, is accurate as of 3/16/2020 and is subject to change. Please contact Union Bank\nCustomer Service at 877-505-6789 for up-to-date information.\n\nSEE BACK OF PAGE for more important information about your account.\n\nPage 1 of 3\n\n\x0cADDITIONAL TERMS & CONDITIONS\nIf an account is opened, you will receive a Cardmember Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) with your card(s). You agree to the terms of this Agreement by: using\nthe account or any card, authorizing their use, or making any payment on the account. We have the right to change the account terms (including the\nAPRs) in accordance with your Agreement. We reserve the right to change the benefit features associated with your card at any time. Complete terms\nand conditions will be provided to you when you become an approved cardmember. Cards are issued and serviced by Union Bank\xc2\xae Card Services, a\ndivision of MUFG Union Bank, N.A.\n\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT\nTo help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain,\nverify, and record information that identifies each person (including business entities) who opens an account. What this means for you: When you open\nan account, we will ask for your name, physical address, date of birth, and other information that will allow us to identify you. We may also ask for other\nidentifying documents. We will let you know if additional information is required.\n\nCREDIT REPORT AUTHORIZATION\nBy submitting an application for credit, you authorize us to obtain credit bureau reports that we will use when considering your application for credit. You\nalso authorize us to obtain credit bureau reports and any other information about you in connection with the extensions of credit on your account and the\nadministration, review or collection of your account. If you ask, we will tell you the name and address of the credit bureau from which we obtained a report\nabout you. You also authorize us to verify your employment, income and other relevant information.\n\nCOMMUNICATION AUTHORIZATION\nBy providing us with your residential phone number or cell phone number, you agree that we (including companies working on our behalf) have your\npermission to contact you at the number provided about any of your Union Bank accounts, and that we may use text messaging, artificial or prerecorded\nvoice messages and automatic dialing technology for informational and account servicing calls, as well as for collection purposes. Message and data\nrates may apply.\n\nARBITRATION NOTICE\nIf you are issued a credit card, your Agreement will contain a binding arbitration provision. In the event of any dispute relating to your account, the dispute\nwill be resolved by binding arbitration pursuant to the rules of the American Arbitration Association or JAMS/Endispute. Both you and we agree to waive\nthe right to go to court or to have the dispute heard by a jury (except as to any collection activities on your account). You and we will be waiving any right\nto a jury trial and you also would not have the right to participate as a part of a class of claimants relating to any dispute with us. Other rights available to\nyou in court may also be unavailable in arbitration. When you receive your Agreement, you should read the Resolution of Claims by Arbitration provision\nin your Agreement carefully and not accept or use the Card unless you agree to be bound by the arbitration provision.\n\nBALANCE TRANSFERS\nIf you are issued a credit card, you authorize us to make one or more of the balance transfers that you have requested from credit card accounts or other\ntypes of accounts with other financial institutions. All balance transfer requests are subject to our approval; we are not liable if we do not make a requested\nbalance transfer. We reserve the right to make balance transfers in the order we select and to limit the amount of the balance transfers that we make (this\namount may be less than your total credit limit). If you request an amount that we do not approve, we may process a partial transfer for less than you\nrequested or we may decline the entire request. In addition, transfer requests that are incomplete, illegible or requested to cash, to yourself or to another\naccount with us or one of our affiliates need not be processed. You should not transfer any amount that is in dispute in order to preserve your dispute\nrights. When you transfer a balance from another account, we send a payment in the amount of the balance transfer to the other financial institution. We\nhave no control over, and are not responsible for, how and when the other financial institution applies the payment. You are responsible for verifying that\nthe other financial institution applies the balance transfer payment in accordance with your other account\xe2\x80\x99s terms. You should continue to monitor the\nother accounts that you request a transfer balance to and you should continue to pay the minimum payments due on those accounts until you receive\nstatements from those creditors showing that the balances due them have been paid in full. This might not happen until after the balance transfer appears\non your billing statement from us. You are liable for any late payments, finance charges or disputed amounts on your other accounts. We do not send\ninstructions to the other financial institution to close your other account. If you want the other account to be closed, you must do that yourself. Balance\ntransfers are subject to applicable fees and finance charges and do not have the benefit of a grace period. If you take advantage of a balance transfer\noffer and continue to use the credit card to make purchases, you will lose the interest-free grace period on the new purchases unless you pay\nthe entire statement balance, including the amount subject to the promotional APR, by the payment due date.\n\nOVERDRAFT PROTECTION LINKED TO A UNION BANK CREDIT CARD\nBy enrolling in Overdraft Protection Linked to a Union Bank Credit Card, you authorize the Bank to make advances on your Union Bank Credit Card\n(subject to your available credit) in order to cover transactions (including transfers between checking, money market, and savings accounts) presented for\npayment against insufficient funds. We will not authorize transactions requiring real-time authorization (such as ATM withdrawals, ATM or Debit Card\npurchases, and cash withdrawals in a Union Bank branch) using this service. If you attempt a transaction requiring real-time authorization and there are\ninsufficient available funds in the linked checking account, the transaction will be declined. Activation of the Overdraft Protection service may take up to 5\nbusiness days following the approval of a new credit card account; for customers with an existing open credit card account, it may take up to 5 business\ndays from the initial request to enroll in the Overdraft Protection service.\n\nPage 2 of 3\n\n\x0cEach business day that we determine that your linked checking account is overdrawn by any amount, you authorize us to make an Overdraft Advance\nequal to a) $50, or b) the next highest multiple of $50 that will equal or exceed the linked checking account overdraft, as determined by us. For example,\nif we determine that your linked checking account is overdrawn by $125, you understand and agree that we may automatically make an Overdraft Advance\nof $150 from your Union Bank Credit Card for deposit to your linked checking account. We will make advances only once each business day.\nAdvances will only be processed if at least one transaction can be covered by the advanced amount. Any negative balance from a previous business day\nwill not trigger an advance unless another eligible transaction is presented for payment and there is sufficient available credit on the credit card account to\ncover at least that additional transaction. If you do not have sufficient available credit on your credit card account to cover all transactions, your linked\nchecking account may be subject to fees for any uncovered transactions. The total advance amount will appear on the linked checking account statement\neach day an advance is made. Only one checking account may be linked to one credit card account, and both accounts must have a common owner. If\nyour linked checking account is changed to a closed status for any reason, Union Bank may terminate the Overdraft Protection Linked to a Union Bank\nCredit Card service without notice.\nOverdraft Advances and the $10 daily Overdraft Advance Fee will be added to your Overdraft Advance Balance Category on your credit card monthly\nstatement and be charged the Overdraft Advance Annual Percentage Rate. Your APR will be 8.49% to 19.99%, based on your creditworthiness. This\nAPR will vary with the market based on the Prime Rate. No grace period will apply when calculating finance charges for Overdraft Advances. If your\nlinked credit card account is changed to a closed status for any reason, Union Bank may terminate the Overdraft Protection Linked to a Union Bank Credit\nCard service without notice. You may cancel this service at any time.\nSome accounts may not be eligible for Overdraft Protection Linked to a Union Bank Credit Card. For more information, see the Union Bank Personal\nAccounts & Services Disclosure and Agreement.\n\nOTHER DISCLOSURES\nWASHINGTON STATE RESIDENTS: Washington state law prohibits discrimination in credit transactions because of race, creed, color, national origin,\nsex, or marital status. The Washington State Human Rights Commission administers compliance with this law.\nCALIFORNIA RESIDENTS: A married applicant may apply for a separate account. Additionally, we may obtain information at any time from the California\nDepartment of Motor Vehicles. You agree to waive the address confidentiality requirements section of the California Vehicle Code (Section 1808.21).\nOHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that\ncredit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance\nwith this law.\nNOTICE TO MARRIED WISCONSIN APPLICANTS: No provision of any marital property agreement, unilateral statement or court decree adversely\naffects our interests and/or rights unless, prior to the time the credit is granted or an open-end credit plan is entered into, we are furnished with a copy of\nthe agreement, statement, or decree, or have actual knowledge of the adverse provision. Married Wisconsin residents applying for credit separately\nmust furnish name and address of their spouse to Union Bank at P.O. Box 51442, Los Angeles, CA 90051.\nNEW YORK RESIDENTS may contact the New York State Department of Financial Services by telephone at 1-800-342-3736 or visit its website at\nhttp://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.\n\nMILITARY LENDING ACT\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general,\nthe 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\nrate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold\nin connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and\nany participation fee charged (other than certain participation fees for a credit card account).\nAdditionally, if any clause in your Agreement with us conflicts with the federal law protections afforded to members of the Armed Forces, including any\nprovision related to mandatory arbitration, federal law will prevail.\nIf you would like to receive this Military Lending Act disclosure orally, please call 1-877-925-8666.\n\nCards are issued and serviced by Union Bank Card Services, a division of MUFG Union Bank, N.A.\n\xc2\xa92020 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\nUnion Bank Platinum Visa Card (CNR) \xe2\x80\x93 Web 05/20\n\nPage 3 of 3\n\n\x0c'


b'Summary of Credit Terms- Union Bank Preferred Rewards Visa Card\nPLEASE NOTE: If you apply for the Union Bank\xc2\xae Preferred Rewards Visa\xc2\xae Card and meet our eligibility criteria for the Visa\nSignature\xc2\xae Card, you agree that we may consider your application as one for (and upgrade you to) the Union Bank Preferred\nRewards Visa Signature Card.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0.00% Introductory APR for the first 12 months that your account is open.\nAfter that, your APR will be 13.99% to 23.99%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n0.00% Introductory APR for the first 12 months that your account is open.\nAfter that, your APR will be 13.99% to 23.99%, based on your creditworthiness. This\nAPR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n25.25%.\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR\n\nNone\n\nPaying Interest\n\nYour due date is at least 21 calendar days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due date each\nmonth. We will begin charging interest on cash advances and balance transfers on the\ntransaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.75.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2\n\nBalance Transfer\n\nEither $10 or 3% of the amount of each balance transfer, whichever is greater.\n\n\xe2\x80\xa2\n\nCash Advance\n\nEither $15 or 5% of the amount of each cash advance, whichever is greater.\n\n\xe2\x80\xa2\n\nForeign Transaction\n\n3% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2\n\nLate Payment\n\nUp to $37.\n\n\xe2\x80\xa2\n\nOver-the-Credit Limit\n\nNone\n\n\xe2\x80\xa2\n\nReturned Payment\n\nUp to $35.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\n\nThe above information, such as rates and fees, is accurate as of 3/16/2020 and is subject to change. Please contact Union Bank\nCustomer Service at 877-505-6789 for up-to-date information.\n\nSEE BACK OF PAGE for more important information about your account.\n\nPage 1 of 5\n\n\x0cADDITIONAL TERMS & CONDITIONS\nIf an account is opened, you will receive a Cardmember Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) with your card(s). You agree to the terms of this Agreement by: using\nthe account or any card, authorizing their use, or making any payment on the account. We have the right to change the account terms (including the\nAPRs) in accordance with your Agreement. We reserve the right to change the benefit features associated with your card at any time. Complete terms\nand conditions will be provided to you when you become an approved cardmember. Cards are issued and serviced by Union Bank Card Services, a\ndivision of MUFG Union Bank, N.A.\n\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT\nTo help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain,\nverify, and record information that identifies each person (including business entities) who opens an account. What this means for you: When you open\nan account, we will ask for your name, physical address, date of birth, and other information that will allow us to identify you. We may also ask for other\nidentifying documents. We will let you know if additional information is required.\n\nCREDIT REPORT AUTHORIZATION\nBy submitting an application for credit, you authorize us to obtain credit bureau reports that we will use when considering your application for credit. You\nalso authorize us to obtain credit bureau reports and any other information about you in connection with the extensions of credit on your account and the\nadministration, review or collection of your account. If you ask, we will tell you the name and address of the credit bureau from which we obtained a report\nabout you. You also authorize us to verify your employment, income and other relevant information.\n\nCOMMUNICATION AUTHORIZATION\nBy providing us with your residential phone number or cell phone number, you agree that we (including companies working on our behalf) have your\npermission to contact you at the number provided about any of your Union Bank accounts, and that we may use text messaging, artificial or prerecorded\nvoice messages and automatic dialing technology for informational and account servicing calls, as well as for collection purposes. Message and data\nrates may apply.\n\nARBITRATION NOTICE\nIf you are issued a credit card, your Agreement will contain a binding arbitration provision. In the event of any dispute relating to your account, the dispute\nwill be resolved by binding arbitration pursuant to the rules of the American Arbitration Association or JAMS/Endispute. Both you and we agree to waive\nthe right to go to court or to have the dispute heard by a jury (except as to any collection activities on your account). You and we will be waiving any right\nto a jury trial and you also would not have the right to participate as a part of a class of claimants relating to any dispute with us. Other rights available to\nyou in court may also be unavailable in arbitration. When you receive your Agreement, you should read the Resolution of Claims by Arbitration provision\nin your Agreement carefully and not accept or use the Card unless you agree to be bound by the arbitration provision.\n\nBALANCE TRANSFERS\nIf you are issued a credit card, you authorize us to make one or more of the balance transfers that you have requested from credit card accounts or other\ntypes of accounts with other financial institutions. All balance transfer requests are subject to our approval; we are not liable if we do not make a requested\nbalance transfer. We reserve the right to make balance transfers in the order we select and to limit the amount of the balance transfers that we make (this\namount may be less than your total credit limit). If you request an amount that we do not approve, we may process a partial transfer for less than you\nrequested or we may decline the entire request. In addition, transfer requests that are incomplete, illegible or requested to cash, to yourself or to another\naccount with us or one of our affiliates need not be processed. You should not transfer any amount that is in dispute in order to preserve your dispute\nrights. When you transfer a balance from another account, we send a payment in the amount of the balance transfer to the other financial institution. We\nhave no control over, and are not responsible for, how and when the other financial institution applies the payment. You are responsible for verifying that\nthe other financial institution applies the balance transfer payment in accordance with your other account\xe2\x80\x99s terms. You should continue to monitor the\nother accounts that you request a transfer balance to and you should continue to pay the minimum payments due on those accounts until you receive\nstatements from those creditors showing that the balances due them have been paid in full. This might not happen until after the balance transfer appears\non your billing statement from us. You are liable for any late payments, finance charges or disputed amounts on your other accounts. We do not send\ninstructions to the other financial institution to close your other account. If you want the other account to be closed, you must do that yourself. Balance\ntransfers are subject to applicable fees and finance charges and do not have the benefit of a grace period. If you take advantage of a balance transfer\noffer and continue to use the credit card to make purchases, you will lose the interest-free grace period on the new Purchases unless you pay\nthe entire statement balance, including the amount subject to the promotional APR, by the payment due date.\n\nOVERDRAFT PROTECTION LINKED TO A UNION BANK CREDIT CARD\nBy enrolling in Overdraft Protection Linked to a Union Bank Credit Card, you authorize the Bank to make advances on your Union Bank Credit Card\n(subject to your available credit) in order to cover transactions (including transfers between checking, money market, and savings accounts) presented for\npayment against insufficient funds. We will not authorize transactions requiring real-time authorization (such as ATM withdrawals, ATM or Debit Card\nPurchases, and cash withdrawals in a Union Bank branch) using this service. If you attempt a transaction requiring real-time authorization and there are\ninsufficient available funds in the linked checking account, the transaction will be declined. Activation of the Overdraft Protection service may take up to 5\nbusiness days following the approval of a new credit card account; for customers with an existing open credit card account, it may take up to 5 business\ndays from the initial request to enroll in the Overdraft Protection service.\nEach business day that we determine that your linked checking account is overdrawn by any amount, you authorize us to make an Overdraft Advance\nequal to a) $50, or b) the next highest multiple of $50 that will equal or exceed the linked checking account overdraft, as determined by us. For example,\n\nPage 2 of 5\n\n\x0cif we determine that your linked checking account is overdrawn by $125, you understand and agree that we may automatically make an Overdraft Advance\nof $150 from your Union Bank Credit Card for deposit to your linked checking account. We will make advances only once each business day.\nAdvances will only be processed if at least one transaction can be covered by the advanced amount. Any negative balance from a previous business day\nwill not trigger an advance unless another eligible transaction is presented for payment and there is sufficient available credit on the credit card account to\ncover at least that additional transaction. If you do not have sufficient available credit on your credit card account to cover all transactions, your linked\nchecking account may be subject to fees for any uncovered transactions. The total advance amount will appear on the linked checking account statement\neach day an advance is made. Only one checking account may be linked to one credit card account, and both accounts must have a common owner. If\nyour linked checking account is changed to a closed status for any reason, Union Bank may terminate the Overdraft Protection Linked to a Union Bank\nCredit Card service without notice.\nOverdraft Advances and the $10 daily Overdraft Advance Fee will be added to your Overdraft Advance Balance Category on your credit card monthly\nstatement and be charged the Overdraft Advance Annual Percentage Rate. Your APR will be 13.99% to 23.99%, based on your creditworthiness. This\nAPR will vary with the market based on the Prime Rate. No grace period will apply when calculating finance charges for Overdraft Advances. If your\nlinked credit card account is changed to a closed status for any reason, Union Bank may terminate the Overdraft Protection Linked to a Union Bank Credit\nCard service without notice. You may cancel this service at any time.\nSome accounts may not be eligible for Overdraft Protection Linked to a Union Bank Credit Card. For more information, see the Union Bank Personal\nAccounts & Services Disclosure and Agreement.\n\nOTHER DISCLOSURES\nWASHINGTON STATE RESIDENTS: Washington state law prohibits discrimination in credit transactions because of race, creed, color, national origin,\nsex, or marital status. The Washington State Human Rights Commission administers compliance with this law.\nCALIFORNIA RESIDENTS: A married applicant may apply for a separate account. Additionally, we may obtain information at any time from the California\nDepartment of Motor Vehicles. You agree to waive the address confidentiality requirements section of the California Vehicle Code (Section 1808.21).\nOHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that\ncredit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance\nwith this law.\nNOTICE TO MARRIED WISCONSIN APPLICANTS: No provision of any marital property agreement, unilateral statement or court decree adversely\naffects our interests and/or rights unless, prior to the time the credit is granted or an open-end credit plan is entered into, we are furnished with a copy of\nthe agreement, statement, or decree, or have actual knowledge of the adverse provision. Married Wisconsin residents applying for credit separately\nmust furnish name and address of their spouse to Union Bank at P.O. Box 51442, Los Angeles, CA 90051.\nNEW YORK RESIDENTS may contact the New York State Department of Financial Services by telephone at 1-800-342-3736 or visit its website at\nhttp://www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.\n\nMILITARY LENDING ACT\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general,\nthe 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\nrate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold\nin connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and\nany participation fee charged (other than certain participation fees for a credit card account).\nAdditionally, if any clause in your Agreement with us conflicts with the federal law protections afforded to members of the Armed Forces, including any\nprovision related to mandatory arbitration, federal law will prevail.\nIf you would like to receive this Military Lending Act disclosure orally, please call 1-877-925-8666.\n\nPage 3 of 5\n\n\x0cREWARDS PROGRAM TERMS AND CONDITIONS\nThe following is a summary of certain key terms and conditions for the Union Bank Rewards Program for the Union Bank Preferred Rewards Visa Credit\nCard. You will receive complete Program terms and conditions with your account opening materials if your application is approved.\nEARNING REWARD POINTS\nPurchases\nYou earn points when you (or your authorized user) make \xe2\x80\x9cPurchases\xe2\x80\x9d of products and services with your credit card, excluding disputed billing items and\nitems that are subsequently subject to a refund or credit (such as for returned merchandise) (collectively \xe2\x80\x9cPurchases\xe2\x80\x9d).\nPurchases do not include:\na) Annual fees, finance charges and other fees or charges posted by us to the account;\nb) Cash advances (including but not limited to cash received over the amount of Purchases charged to the account, Purchases of money orders\nor other cash equivalents) or special check transactions;\nc) Balance transfers;\nd) Overdraft advances;\ne) Charges for other products, services, or benefits that we provide (such as credit insurance premiums); or\nf)\nOther transactions that we determine not to be eligible.\nPoint awards are not earned until they appear on the account statement. Points that have been awarded may be deducted if, after points are awarded,\nPurchases are subsequently subject to a refund, credit or dispute. We reserve the right to retroactively correct errors made in point awards. Points you\nearn during the billing cycle will be added to your reward point balance within 7 days after the end of the billing cycle.\nIntroductory Rewards Bonus\nYou will earn a 10,000 introductory reward points bonus following your first $1,000 in Purchases made within 3 months of account opening. These\npoints will post to your reward point balance within 8 weeks after the close of your third billing cycle. You are limited to one introductory reward points\nbonus per card account.\nMobile Wallet Points\nYou will earn 5 points (also referred to in marketing materials as \xe2\x80\x9c5X points\xe2\x80\x9d) (consisting of 1 base point and 4 bonus points) for each $1 spent for the\nfirst $6,000 of Purchases made during the first 12 months after account opening using Mobile Wallets. A \xe2\x80\x9cMobile Wallet Purchase\xe2\x80\x9d is a purchase made\nby tapping to pay at a physical point of sale using one of 3 mobile wallets \xe2\x80\x93 Google Pay\xe2\x84\xa2, Apple Pay\xc2\xae, Samsung Pay\xc2\xae. After you make $6,000 in\nPurchases during the first 12 months after account opening using Mobile Wallets, no further bonus points will be earned, but you will continue to earn 1\npoint for each $1.00 spent on Purchases using Mobile Wallets. Mobile Wallet Purchases at Restaurants, Grocery Stores, and Gas Stations earn points\nas defined for Mobile Wallet Purchases and do not earn Restaurant, Grocery Store, or Gas Station bonus points.\nRestaurant Points\nYou will earn 3 points (also referred to in marketing materials as \xe2\x80\x9c3X points\xe2\x80\x9d) (consisting of 1 base point and 2 bonus points) for each $1 spent for the\nfirst $6,000 of Purchases made during each year (based on your account opening date) at Restaurants. A \xe2\x80\x9cRestaurant\xe2\x80\x9d is a merchant with the merchant\ncategory code (MCC) for \xe2\x80\x9cCaterers\xe2\x80\x9d (MCC 5811), \xe2\x80\x9cEating Places and Restaurants\xe2\x80\x9d (MCC 5812), "Drinking Places (Alcoholic Beverages), Bars, Taverns,\nCocktail Lounges, Nightclubs and Discotheques\xe2\x80\x9d (MCC 5813), \xe2\x80\x9cFast Food Restaurants\xe2\x80\x9d (MCC 5814). After you make $6,000 in Purchases at Restaurants\nin a year, you will earn 1 point for each $1.00 spent on Purchases that you make at Restaurants for the remainder of the year.\nGrocery Stores & Gas Stations\nYou will earn 2 points (also referred to in marketing materials as \xe2\x80\x9c2X points\xe2\x80\x9d) (consisting of 1 base point and 1 bonus point) per $1 spent for the first\n$6,000 of Purchases made during each year (based on your account opening date) at Grocery Stores and Gas Stations. A \xe2\x80\x9cGas Station\xe2\x80\x9d is a merchant\nwith the merchant category code (MCC) for \xe2\x80\x9cService Stations (with or without ancillary services)\xe2\x80\x9d (MCC 5541), \xe2\x80\x9cAutomated Fuel Dispensers\xe2\x80\x9d (MCC 5542).\nA \xe2\x80\x9cGrocery Store\xe2\x80\x9d is a merchant with the merchant category code (MCC) for \xe2\x80\x9cGrocery Stores\xe2\x80\x9d or \xe2\x80\x9cSupermarkets\xe2\x80\x9d (MCC 5411), \xe2\x80\x9cDairy Product Stores\xe2\x80\x9d\n(MCC 5451), \xe2\x80\x9cBakeries\xe2\x80\x9d (MCC 5462), \xe2\x80\x9cMisc. Food Stores (convenience stores and specialty markets)\xe2\x80\x9d (MCC 5499). After you make $6,000 in Purchases\nat Grocery Stores and Gas Stations in a year, you will earn 1 point for each $1.00 in Purchases that you make at Grocery Stores and Gas Stations for the\nremainder of the year. Please note that the MCCs for superstores, discount stores and warehouse clubs are not eligible for bonus points, so Purchases\nmade at these merchants will only earn 1 point for each $1 spent on Purchases, including grocery items.\nAll Other Purchases\nYou will earn 1 point (also referred to in marketing materials as \xe2\x80\x9c1X points\xe2\x80\x9d) for each $1 spent on all new eligible Purchases charged to the card each\nbilling cycle that are not a Mobile Wallet Purchase or from merchants that are not Restaurants, Grocery Stores, or Gas Stations.\nMerchant Category Codes & Purchases\nMerchants are assigned a merchant category code by payment card processors based upon the merchant\'s primary line of business. We do not determine\nthe MCC for a merchant. Whether a transaction is eligible for bonus points depends on the MCC actually assigned to a merchant. Purchases processed\nthrough merchants that do not process transactions under the eligible MCC and Purchases processed through third-party payment accounts (e.g.,\nPayPal\xe2\x84\xa2) will not qualify to receive bonus points.\nREWARD POINT REDEMPTION\nYou may redeem points for the following:\n\nPage 4 of 5\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nMerchandise, gift cards/certificates, travel (airline, hotel and car rental), and additional redemption options based on the point redemption value\nassociated with the Reward, which may vary depending on the Reward;\nA statement credit to your card account at a rate of 1 cent per point;\nA deposit into a Union Bank checking or savings account at a rate of 1.25 cents per point;\nA principal reduction payment to your Union Bank mortgage account at a rate of 1.50 cents per point.\n\nYou must have a Union Bank checking account, savings account, or residential mortgage account in an open status with Union Bank to qualify for the last\ntwo point redemption methods referenced above.\nWhen you redeem points for a statement credit to your card account, the statement credit is treated as an additional payment on your account. You are\nstill required to make your regular monthly account payments as indicated on your monthly statements. Statement credits will post to your card\naccount within 5 business days. It may not appear on your monthly statement for 1 to 2 billing cycles.\nWhen you redeem points for a deposit into a Union Bank checking or savings account, the deposit will post to your checking or savings account within 5\nbusiness days.\nWhen you redeem points for a principal reduction payment to your Union Bank mortgage account, the payment will be applied as an extra principal\npayment and will not count toward your regular monthly payment. You are still required to make your regular mortgage account payments as\nindicated on your monthly mortgage statements. Principal reduction payments will post to your mortgage account within 5 business days. It may not\nappear on your mortgage account monthly statement for 1 to 2 billing cycles.\nWe may also provide additional redemption options from time to time. Redemption options are offered solely in our discretion, are not guaranteed, and\nare subject to any limits that we may impose. Redemptions options may be withdrawn at any time without notice.\nThe amount of points redeemed for a Reward will be subtracted from your point balance. We may, in our discretion, set a minimum or a maximum number\nof points that you may redeem in a single transaction. We may adjust this amount from time to time. We also may require that redemptions occur in round\nincrements that we will set in our discretion from time to time. All Rewards are subject to availability. We may withdraw, change or replace any Reward\nitem. We may also change the number of points required to redeem a Reward, at any time and without prior notice to you. All redemption transactions\nare final. There are no refunds, exchanges, replacements or conversions for currency, credits, points, or Rewards. Point redemptions for Rewards may\nbe subject to shipping, handling or other fees, and shipping restrictions may apply.\nThe merchants participating in the Program are not affiliated with us nor are these merchants considered sponsors or co-sponsors of the Program. All\ntrademarks are the property of their respective owners. The merchants\xe2\x80\x99 terms and conditions apply to their respective gift cards/certificates, merchandise\nand/or services. Upon receiving your Rewards, see each merchant\xe2\x80\x99s specific terms and conditions for complete details, which are subject to change by\nthe merchants at their sole discretion from time to time, subject to applicable law.\nREWARD POINT EXPIRATION\nPoints are redeemed on a first-in, first-out basis. Points will expire on or after the third anniversary of the date earned.\nPROGRAM CHANGES\nWe reserve the right to change these Program terms and conditions with or without prior notice (except where required by law). Point redemption amounts\nmay change at any time.\nDISQUALIFICATION/TERMINATION\nIf the account does not remain in good standing, you will not earn future points, cannot redeem points, and you will forfeit any accumulated points previously\nawarded. An account is in good standing when no event has occurred that allows us to require immediate payment of your entire balance under the\nAgreement, including, without limitation, failing to make the minimum payment when due, having a payment to us denied, providing us false or misleading\ninformation, or other reasons described in the Rewards Program Terms and Conditions.\nWe reserve the right to disqualify or remove any person or account from participation in the Program, refuse to award or redeem points, or close your\naccount at any time, for any reason including, but not limited to, your account being inactive (as such term is defined by us from time to time). If such a\ndisqualification occurs, it may result in the forfeiture of any accumulated points. Closing your account (by you or by us) will result in the termination of your\nenrollment in the Program, and any accumulated points will be forfeited.\n\nCards are issued and serviced by Union Bank Card Services, a division of MUFG Union Bank, N.A.\nApple, the Apple logo, Apple Pay, Apple Watch, Touch ID, IPhone and IPad are trademarks of Apple Inc. registered in the U.S. and other\ncountries.\nGoogle Pay is a trademark of Google, LLC. Google, Google Pay, and the Google Logo are trademarks of Google, LLC.\nSamsung Pay is a registered trademark of Samsung Electronics Co., Ltd.\n\xc2\xa92020 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\nUnion Bank Preferred Rewards Visa Card (CEP/EP5321MR)- Web 05/20\n\nPage 5 of 5\n\n\x0c'