Visa Credit Card Ca rdmember 
Agreement, D isclosure Statement 
and Security Agreement
Contents of this Cardmember Agreement, Disclosure Statement and 
Security Agreement
1. Defining some common terms used in this document
2. How you may use the account and security interest
3. How we determine and apply account payments
4. How certain rates are calculated and may change
5. How we calculate interest charges and the balances subject to interest
6. How we determine certain account fees and additional information on certain transactions 
7. When we may close or require immediate payment of your account
8. How account terms may change and certain rights that we have
9. How to use your account without using your credit card
10. How cardmember benefits and reward programs work
11. How we communicate with you and share information with credit bureaus
12. Transferring your account and laws that govern your account with us
13. Scope of our agreement with you
14. Resolution of claims by arbitration
15. Your billing rights as a cardmember
16. Liability for unauthorized use
This document describes important terms and conditions that apply to your credit card account. 
We want to be clear in how we share this information with you, to help you stay in control and 
make well-informed decisions about your account.
This Cardmember Agreement, Disclosure Statement and Security Agreement together with the 
accompanying Summary of Credit Terms govern your account with MUFG Union Bank, N.A.,  and 
are collectively referred to below as the �Agreement�. The Summary of Credit Terms provides 
important information about annual percentage rates, specific types and amounts of finance 
charges and fees that may be charged to your account under certain circumstances and 
other important information about your account. Please read this Cardmember Agreement, 
Disclosure Statement and Security Agreement, along with the Summary of Credit Terms, 
carefully and retain both for future reference.
1. Defining  some  common  terms  used  in this  document
This section explains what this document means when it uses common terms like �us,� �you� or 
�agreement.�
As used in this Agreement, the terms �we�, �us�, �our�, �Union Bank� and �MUFG Union Bank� mean 
MUFG Union Bank, N.A.
Also as used in this Agreement, the words �you� and �your� mean each person named on the 
application for the account and anyone else who uses the account in any way. Using or allowing 
someone else to use your account means you accept the terms of the Agreement. This Agreement 
contains our most current terms and supersedes earlier materials you may have received.  (Please  note: although your account will generally have monthly billing 
cycles, your first billing cycle may be more or less than one 
month. Except where your account offers introductory rates or 
fees as indicated on the Summary of Credit Terms, all credit 
terms, including minimum finance charges, will apply in each 
billing cycle including the first billing cycle. Introductory rates 
and fees will apply for the period stated on the Summary of 
Credit Terms, after which the regular rates and fees stated on 
the Summary of Credit Terms will apply.)
IF THERE IS A DISPUTE BETWEEN YOU AND MUFG UNION BANK, 
IT WILL BE RESOLVED THROUGH ARBITRATION. Refer to 
Section 14 below for additional information.
BALANCE CATEGORIES:  We will keep track of the activity on 
your account in different �Balance Categories�. Unless we tell 
you otherwise, these are the Balance Categories we will use:
�Purchases�  which will re sult from use of your card or your 
account number to purchase goods and services;
�Cash Advances�  which will result from cash advances you 
request, use of checks or similar instruments (including 
electronic form or otherwise) that we provide (unless we tell you 
they will be treated differently), and Cash Equivalent Transactions 
(as defined later in this Agreement);
�Overdraft Advances�  which will result from an advance from 
your account to cover an item or items that have overdrawn 
your linked checking account;
�Balance Transfers�  which will result from balance transfers 
that you request by any means, including balance transfer 
checks or similar instruments (including electronic form or 
otherwise); and
�Promotional Offers�  which will result from use of your card 
or your account number to take advantage of special, 
introductory or promotional offers that we identify to you from 
time to time. Each Promotional Offer may be considered a 
separate Balance Category.
2. How you  may  use  the account  and  security  interest
This section explains a few basic rules about how you and others 
may use your account, your responsibility for the account, and 
how we may limit your use of the account. It also details the 
terms associated with the security interest and collateral.
ACCOUNT USE:  You may use your card, your account number 
or checks or similar instruments (including electronic form or 
otherwise) that we send to you to make purchases and balance 
transfers and to obtain cash advances. Each time you use your 
account, you are representing that you intend, and have the 
ability, to repay all amounts due on your account. You are 
responsible for all charges made by anyone you allow to use 
your account, even if they charge more than you intended.
You may request additional cards be issued to authorized users. 
We may provide information to credit reporting agencies about 
this account in the name of an authorized user. You must pay us for all charges made or allowed by the authorized user. If you 
want to cancel the authorized user�s card, you must notify us 
promptly so we can close the card. You remain liable for all 
charges previously authorized up to the time you notify us that 
use of their card is no longer authorized and we close the card. 
We may consider charges made by your immediate family as 
authorized by you and your responsibility. If unauthorized use of 
your account occurs, you agree to cooperate with us and law 
enforcement in identifying the unauthorized user. If your 
account is jointly owned with one or more persons, y ou are each 
jointly and severally liable for all amounts due on this account 
regardless of which of you uses it or benefits from that use.
OUR SECURITY INTEREST:  Whether we have acquired or will 
acquire a security interest in any funds, goods, or other collateral 
in connection with your account is stated on the Summary of 
Credit Terms. If your account is secured, you have provided us 
with funds that will serve as collateral for your credit card 
obligations to us. You have:
(i) relinquished all possession and control over the funds you 
have provided; and (ii) pledged, assigned and granted to us a 
security interest in those funds, the corresponding deposit, 
including subsequent add-on deposits, if any, and any 
instrument that we may issue evidencing that deposit 
(collectively, the �Collateral�). If you fail to pay or otherwise 
default on your credit card obligations to us, we may:  
(1) without advance notice, take any or all of that Collateral and 
apply as payment towards your credit card obligations; and (2) 
pursue other legal remedies. We may, at our discretion and 
subject to credit approval, unsecure your account by returning 
the Collateral to you. If we unsecure your account by returning 
the Collateral to you, this section, and all other references to the 
Collateral and our security interest in the Collateral in this 
Agreement, will no longer be applicable to your account.
CREDIT LIMIT/AUTHORIZATIONS:  You agree (1) not to exceed 
the credit limit we establish for you and (2) to immediately pay 
any amount in excess of your credit limit. If your account is a 
joint account, each of you may request credit limit increases 
(unless you are less than twenty-one years of age and were 
required by law to have a joint account, in which case, all joint 
account owners must approve and assume joint liability for any 
request for increase). We may raise or lower your credit limit at 
our discretion and may restrict the amount of the credit limit 
available for cash advances and balance transfers. For secured 
accounts, credit line increases can be requested if additional 
deposits are made to the Deposit Account, however we are not 
obligated to honor such requests.
You may not use your account for (and we may decline 
authorization for) any illegal transaction. We may decline 
authorization for any Internet gambling transaction. We may, in 
our discretion and to the extent permitted by law, restrict or 
delay the availability of credit to you for our risk management 
purposes and to protect you and us against actual or potential  fraud, unauthorized transactions, or claims. We are not liable for 
declining authorization for any particular transaction, regardless 
of our reason.
3. How we determine and apply account payments
This section explains your responsibility for making account 
payments, how we determine the amounts you must pay and 
how we apply payments to your account.
(A) Promise to Pay:  You promise to pay all amounts due on your 
account. You agree to review your billing statements and to 
notify us promptly of any errors (see �Your Billing Rights� 
below). If you do not promptly notify us of a billing error, you 
agree that your billing statement will be considered proof of 
the amount you are obligated to pay. You may pay all or a 
part of the balance on your account at any time. However, 
you must pay at least the minimum payment shown on your 
billing statement by the due date. You agree to follow the 
requirements for payments that we set forth on your billing 
statement from time to time, including requirements that 
payments are made in United States Dollars and that checks 
are drawn on a United States bank. If we choose to accept a 
payment that is not in United States Dollars or not drawn on 
a United States bank, you agree to pay any collection or 
conversion fees assessed to us by third parties. We may 
accept payments which are marked �payment in full� or with 
similar markings without losing our right to receive payment 
in full. Partial payments offered in full satisfaction of a 
disputed amount must be sent to the address for notice of 
billing errors shown on  your billing statement. We reserve 
our rights as to  all such payments.
(B) Minimum Payment Calculation:  The amount of your 
minimum payment will be indicated on your billing statement 
and calculated as shown on the Summary of Credit Terms.
(C) Application of Payments:  We may apply your payments in 
the order we choose. We must, however, comply with 
applicable law governing application of your payments. 
Currently, this means that if you make a payment in excess of 
the required minimum payment, we must apply the excess 
amount first to your Balance Category with the highest 
Annual Percentage Rate. Any remaining portion of that 
excess amount must be applied to your other Balance 
Categories in descending order based on their applicable 
Annual Percentage Rates. Until we determine a payment is 
unlikely to be returned for insufficient funds or for some other 
reason, your available credit may not reflect the payment.
(D) Application of Credits:  We will apply credits to your account 
as promptly as required by law. Credits may be applied to 
the Balance Categories that we choose, even if those 
Balance Categories are different than the Balance Categories 
of the transactions giving rise to the credits. A credit may be 
applied on the date of the credit transaction. In some cases, 
however, credits may not post to your account until the 
billing cycle following the date of the credit transaction.4. How certain rates are calculated and may change
This section provides basic information about how we calculate 
certain interest rates that may apply to your account and the 
circumstances that can trigger increases in APRs.
VARIABLE RATE INFORMATION:  If any Annual Percentage 
Rate (APR)  is variable, information regarding the variable rate is 
provided on the Summary of Credit Terms. The information 
includes: (i) the fact that the rate may increase; (ii) how the rate 
is determined, including the margin and index; (iii) the 
circumstances under which the rate may increase; (iv) the 
frequency with which the rate may increase; (v) any limitation on 
the amount the rate may change; and (vi) the effect(s) of an 
increase. Please consult the Summary of Credit Terms, in 
conjunction with this Agreement, for important information 
about the rates applicable to your account.
5. How we calculate interest charges and the balances 
subject to interest
This section helps explain how we determine the amount of your 
interest charges for different account transactions. It also 
explains how you can avoid or reduce these interest charges. 
This section also explains how we determine the balances of 
your account that will be subject to interest charges at the end 
of each billing cycle.
ACCRUAL OF INTEREST:  Except as provided in �Grace Period� 
below, we will charge you interest on each of the Balance 
Categories from the date of each transaction or the first day of 
the billing cycle in which the transaction is added to your 
account, whichever is later.
GRACE PERIOD:  If (1) you pay your New Balance in full, as shown 
on your current billing statement, on or before the due date 
(which will be at least twenty-one (21) calendar  days from the 
closing date of the billing cycle) and (2) we received payment in 
full of your New Balance indicated on your previous billing 
statement by its due date or that New Balance was zero or a 
credit, interest charges will not be assessed on Purchases shown 
on your next billing statement. Payment in full is generally required 
to obtain the benefit of the grace period. We will, however, give 
you the benefit of the grace period for partial payments to the 
extent required by law (please be aware, however, that this 
requirement only exists in limited circumstances).
The grace period applies only to Purchases. It does not apply to 
Balance Transfers, checks, Cash Advances or Overdraft 
Advances. If you choose to transfer an existing balance, use a 
check, obtain a cash advance or use an overdraft advance, the 
grace period on new purchases is unavailable until the entire 
balance is paid in full.
INTEREST CHARGES:  Interest charges will be calculated using 
daily periodic rates which correspond to certain Annual 
Percentage Rates (APRs ). These rates may be different for 
Purchases, Balance Transfers, Cash Advances, Overdraft 
Advances, and Promotional Offers. (A) If your account was opened with an Introductory Rate(s), 
the rate(s) for your account will be at the Introductory 
Rate(s) shown on the Summary of Credit Terms. The 
Introductory Rate(s) will continue in effect as shown on the 
Summary of Credit Terms.
(B) After the Introductory Rate(s) expire(s) (or if your account 
does not have an Introductory Rate), the contractual rate(s) 
for your account will be the rate(s) shown on the Summary 
of Credit Terms. Those contractual rates may  
be variable.
INTEREST CHARGES AND BALANCE CALCULATIONS:  We 
use the Average Daily Balance (including new purchases) 
method to compute a portion of the interest charges on your 
account. We calculate interest charges separately for each 
Balance Category.
(A) To compute billed interest charges:
(1) For each Balance Category, we multiply your Daily 
Balance (see below) by the applicable daily periodic 
rate (1/365th of the applicable APR) for each day of the 
billing cycle; then,
(2) We add together all of the products calculated in (A) (1) 
above.
(B) To compute the Daily Balance for each Balance Category:
We figure the interest charge on your account by applying 
the periodic rate to the �average daily balance� of your 
account. To get the �average daily balance� we take the 
beginning balance of your account each day, add any new 
transactions, and subtract any payments or credits. This 
gives us the daily balance. Then, we add up all the daily 
balances for the billing cycle and divide the total by the 
number of days in the billing cycle. This gives us the 
�average daily balance.�
For purposes of these computations, we may delay adding 
some fees to your Daily Balance (for example, some fees may 
not be added to your Daily Balance until the billing cycle after 
they are imposed). We may also subtract some payments or 
portions of some payments from your Daily Balance earlier than 
when they were actually received (for example, for grace period 
purposes, portions of some payments received in one billing 
cycle may be considered applied to your Purchase Balance 
Category or Promotional Offer Balance Category, as applicable, 
at the end of the prior billing cycle).
We add the amount calculated in accordance with above to the 
Daily Balance and this amount becomes the Beginning Balance 
for the next day. On your billing statement, we will calculate an 
Average Daily Balance for each Balance Category by adding all 
your Daily Balances for that Balance Category and dividing that 
amount by the number of days in the billing cycle. If you multiply 
the Average Daily Balance for a Balance Category by its daily 
periodic rate and multiply the result by the number of days in the 
billing cycle, the total will equal the billed interest charges for that Balance Category, except for minor variations due to rounding.
Billed interest charges shall appear on your statement labeled 
as �Interest Charged� for each Balance Category. The Interest 
Charges for each Balance Category shall be totaled on your 
statement and listed as the �Total Interest This Period�. Cash 
advance, balance transfer, and foreign transaction fees, if any, 
will be listed under the �Fees� heading on your billing statement 
and all fees will be totaled to determine �Total Fees This Period�. 
This Agreement provides for daily compounding of finance 
charges and fees.
MINIMUM INTEREST CHARGE:  If interest charges are billed in 
any billing cycle, the minimum billed interest charge will be as 
shown on the Summary of Credit Terms. We may allocate your 
minimum billed interest charge among your various Balance 
Categories at our discretion in accordance with applicable laws. 
The minimum billed interest charge will appear on your statement 
as the �Minimum Interest Charge� under the Fees heading.
6. How we determine certain account fees and additional 
information on certain transactions
This section describes the account maintenance fees, 
transaction fees and other fees that may apply to your account 
as well as additional information on various types of transactions. 
The amount charged for these fees is shown in the Summary of 
Credit Terms unless otherwise indicated below.
ANNUAL FEE:  If your account has an annual membership fee, 
it is shown on the Summary of Credit Terms and will be charged 
to your account as a Purchase. If no annual fee is shown, then 
your account has no annual fee.
LATE PAYMENT FEE:  For each minimum payment which is not 
received by the payment due date for any reason, we may 
charge you a late fee. A payment is considered not to have 
been received by the due date if a payment received before the 
due date is dishonored, returned unpaid, or reversed for any 
reason, and you do not subsequently make a good payment 
before the due date. Late Payment Fees will be treated as 
Purchases and added to your Purchases balance.
BALANCE TRANSFERS:  We may permit you to transfer 
balances from credit card accounts or other types of accounts 
with other financial institutions to your account up to the 
amount of your credit limit we make available for balance 
transfers. Balance Transfers cannot be used to pay off or pay 
down any Union Bank credit card, opened in either your name 
or the name of any other person.  
If you request a balance transfer that exceeds the amount we 
make available for balance transfers, then we may either 
process a transfer for less than you requested or we may 
decline the entire request. Requests to transfer any balance you 
owe from any other Union Bank account or any of your accounts 
with any of our related companies is subject to our approval. We 
will charge you a Balance Transfer Fee or any balance transfer 
as shown on the accompanying Summary of Credit Terms. No  grace period will apply when calculating finance charges for a 
balance transfer. 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 have no control 
over, and are not responsible for how and when the other 
financial institution applies the payment.  You are responsible 
for verifying that the other financial institution applies the 
balance transfer payment in accordance with your other 
account�s terms.  We do not send instructions to the other 
financial institution to close your other account. If you want the 
other account to be closed, you must do that yourself.  You 
should not transfer any amount that is in dispute in order to 
preserve your dispute rights. You should continue to monitor 
the other accounts that you request to transfer balances from 
and you should continue to pay the minimum payments due on 
those accounts until you receive statements from those 
creditors showing that the balances 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 any 
late payments, finance charges or disputed amounts on your 
other accounts.
CASH ADVANCE FEE FINANCE CHARGES:  A Cash Advance 
Fee will be imposed on cash advance transactions as shown on 
the Summary of Credit Terms. Cash advance fee finance 
charges will be added to your Cash Advances Balance Category.
ATM SURCHARGE:  For all ATM transactions, a surcharge may 
be imposed by the ATM operator. This surcharge is imposed by 
third parties and will be charged to your account. This fee is not 
listed on the Summary of Credit Terms but will be disclosed to 
you by the ATM operator when conducting the ATM transaction.  
CASH EQUIVALENT TRANSACTIONS:  Cash Equivalent 
Transactions will be treated as cash advances and a Cash 
Advance Fee (as indicated on the Summary of Credit Terms) will 
be assessed for each Cash Equivalent Transaction. Cash 
Equivalent Transactions are those transactions performed using 
a merchant or service provider that VISA� identifies as a seller 
of travelers checks, foreign currency, money orders, wire 
transfers, lottery tickets, funds used for wagers or gambling, or 
similar products or services. These transactions are also treated 
as cash advances for all other purposes on your account. Cash 
advance fee finance charges for Cash Equivalent Transactions 
will be added to your Cash Advances Balance Category.
OVERDRAFT ADVANCE TRANSACTIONS AND OVERDRAFT 
ADVANCE FEE:  If you have enrolled in Overdraft Protection 
Linked to your Union Bank Credit Card, you understand and 
agree that any day in which transactions are presented for 
payment against your linked Union Bank checking account 
when there are non-sufficient Available Funds to cover the 
transactions, Union Bank will attempt to advance funds from 
your linked Union Bank credit card. Each Business Day that 
Union Bank determines that your eligible Union Bank checking 
account is overdrawn by any amount, you authorize us to make 
an overdraft advance equal to: (a) $50.00; or (b) the next highest multiple of $50.00 that will equal or exceed the Union Bank 
checking account overdraft, as determined by us. For example, 
if we determine that your Union Bank checking account is 
overdrawn by $125.00, you understand and agree that we may 
automatically make an overdraft advance of $150.00 from your 
Union Bank credit card for deposit to your Union Bank checking 
account. We will make transfers only once each Business Day.
We will not authorize transactions requiring real-time 
authorization (such as ATM withdrawals, ATM/Debit Card 
purchases and cash withdrawals in a Union Bank branch) using 
this service. If you attempt a transaction requiring real-time 
authorization and there are non-sufficient Available Funds in 
your checking account, the transaction will be declined. 
Overdraft advances will only be processed if at least one Item 
can be covered by the advanced amount. Any negative balance 
from a previous Business Day will not trigger an advance unless 
another eligible Item is presented for payment, and there is a 
sufficient available balance on the credit card account to cover 
at least that additional Item. For order of processing checks and 
other Items, see our All About Personal Accounts and Service, 
Disclosure and Agreement. If you are enrolled in multiple 
overdraft protection services with Union Bank, Union Bank will 
try to cover the overdraft using your other overdraft protection 
services in the following order: Deposit Overdraft Protection, 
Cash Reserve and then the Union Bank Credit Card. When 
enrolling in overdraft protection linked to a credit card, you will 
not be covered by the Overdraft Coverage service, which 
means that if you do not have sufficient Available Funds in your 
linked credit card account to cover all non-sufficient Available 
Funds Items, your checking account will be subject to 
applicable overdraft or returned Item fees.
An Overdraft Advance Fee will be imposed on overdraft 
advance transactions as shown on the Summary of Credit 
Terms. Overdraft advances and Overdraft Advance Fees will be 
added to your Overdraft Advance Balance Category on your 
credit card monthly statement and be charged the Overdraft 
Advance Annual Percentage Rate. No grace period will apply 
when calculating finance charges for overdraft advances.
If your linked checking account is changed to a closed status 
for any reason, Union Bank may terminate the overdraft 
protection link to the credit card account without notice.
FOREIGN TRANSACTION FEE FINANCE CHARGE:  A Foreign 
Transaction Fee may be assessed on all transactions made (i) in 
currencies other than United States Dollars; (ii) with a foreign 
merchant (whether in foreign currency or in United States 
Dollars); or (iii) outside the United States.
The Foreign Transaction Fee will be equal to a certain 
percentage of the amount of each foreign transaction (after 
conversion to United States Dollars) as shown on the Summary 
of Credit Terms. These fees will be added to the Balance 
Category that we select (for example, the Balance Category in 
which the foreign transaction is posted). TRANSACTIONS MADE IN FOREIGN CURRENCIES:  
Transactions made in currencies other than United States 
Dollars will be converted to United States Dollars under the then 
current regulations of VISA�, MasterCard� or the VISA�/PLUS� 
ATM Network, or other applicable network. Those regulations 
currently provide that the conversion rate may be either (1) a 
wholesale market rate or (2) a government-mandated rate. 
VISA� and MasterCard� currently use the rate in effect on the 
date they process your transaction. The currency conversion 
rate in effect on the date your transaction is processed may 
differ from the rate in effect on the transaction date or the 
posting date. The VISA�/PLUS� ATM Network currently uses the 
rate in effect on the transaction date.
7. When we may close or require immediate payment of  
your account
This section describes what events can cause us to require 
immediate payment of your entire account balance and when 
we can terminate or suspend your ability to use the account.
REASONS FOR REQUIRING IMMEDIATE PAYMENT:  Subject to 
applicable law and any right to cure that you may have under 
that law, we may require immediate payment of your entire 
account balance if:
(1) you do not make any minimum payment to us when due;
(2) you exceed your credit limit;
(3) you make a payment to us that is dishonored or returned 
unpaid, or reversed by the paying financial institution, for 
any reason;
(4) you die or become insolvent;
(5) you give us false or misleading information;
(6) a petition is filed by or against you in any bankruptcy, 
reorganization, arrangement, insolvency, readjustment of 
debt, dissolution or liquidation proceeding;
(7) a receiver, liquidator or trustee is appointed for you or any 
of your property, or you make an assignment for the benefit 
of creditors;
(8) you are generally not paying or have announced that you 
will not pay your debts as they come due;
(9) a breach occurs under any note, loan agreement, or other 
obligation for borrowed money to which you are a party;
(10) a material adverse change occurs in your financial or other 
condition;
(11) you violate this Agreement or any other agreement you 
make with us; OR
(12) if we have reason to doubt your ability to repay us.
 Our acceptance of a payment after one or more of the 
preceding events does not waive our right to require 
immediate payment of your entire account balance.TERMINATION OR SUSPENSION OF CREDIT PRIVILEGES:  We 
may at any time, with or without cause and without advance 
notice, terminate this Agreement and/or temporarily or 
permanently suspend your credit privileges. This includes, but 
is not limited to, situations where you have violated this 
Agreement or where we have reason to doubt your 
creditworthiness (for example, if you pay us with insufficient 
funds checks on more than an occasional basis). Your 
obligations under this Agreement continue after your rights to 
obtain credit have been terminated or suspended.
8. How account terms may change and certain rights that 
we have
This section explains how we may change the rates, fees and 
other terms of your account and this agreement at any time. We 
will give you notice of changes in terms as required by law. This 
section also identifies certain rights that we have.
IMPORTANT NOTICE REGARDING CHANGES IN TERMS:  
Subject to applicable law, we may unilaterally change the 
Annual Percentage Rates, fees and other terms of this 
Agreement at any time, including after your account is closed 
(and regardless of the reason you or we closed the account) . 
This includes modifications, deletions and the addition of new 
provisions, including non-financial provisions (for example, we 
may add provisions relating to our enforcement rights or the 
resolution of claims and disputes). If we make changes, we will 
send you all notices required by law. Unless we explain 
otherwise in a change in terms notice you receive, the following 
rules will apply: (1) changes will be automatically effective on the 
date we specify and without the necessity of any further assent 
on your part; and (2) use of your account is not necessary for a 
change in terms to be effective.
OUR RIGHTS:  Our failure to exercise, or our delay in exercising, 
any of our rights under the Agreement for any reason will not 
mean we are unable to exercise those rights later. We may, from 
time to time on a consistent or inconsistent basis, take (or 
refrain from taking) certain actions that benefit you but that are 
not required by this Agreement or applicable law. Any such 
course of dealing or course of performance shall not be 
considered to add to our legal obligations to you under this 
Agreement. We may discontinue any such course of dealing or 
course of performance at any time without prior written notice.
9. How to use your account without using your credit card
Your account is more than the plastic card itself. There are other 
ways to access your credit line including by check or other credit 
access device. This section identifies how such checks and 
devices will be treated and different APRs that may apply other 
than your normal purchase rate.
CHECKS THAT ACCESS YOUR ACCOUNT:  Any checks or 
similar instruments (including electronic form or otherwise) that 
we provide to you or issue on your behalf will be treated as cash  advance transactions, unless we indicate otherwise (for 
example, we may indicate that certain Promotional Offer 
checks used for any purpose will be treated as Balance Transfers 
and will be charged a Balance Transfer Fee). To place a  stop 
payment on a check or similar instrument (including electronic 
form or otherwise), you must notify us of the number and 
amount of the check or similar instrument before we receive it 
(we need not stop payment on checks or similar instruments 
that we issue on your behalf). We may pay post-dated checks 
or similar instruments (including electronic form or otherwise) 
unless you follow the procedure for stop payments. Checks or 
similar instruments (including electronic form or otherwise) that 
we provide to you may not be used to make payments on any 
account you have with us.
10. How cardmember benefits and reward programs work
This section describes some general terms & conditions relating 
to your card benefits and rewards program if enrolled. Please 
consult the full rewards program terms and conditions (available  
on our web site at unionbank.com/rewardsdetails  for more 
information.)
CARDMEMBER BENEFITS AND REWARDS:  Cardmember 
benefits and rewards are subject to change or termination 
without notice. Cardmember benefits and rewards may be 
provided by third parties; we are not liable for such benefits or 
rewards or for the actions or omissions of those third parties.
11. How we communicate with you and share information 
with credit bureaus
This section explains how we may retain your phone numbers or 
addresses and use them to contact you later if we need to reach 
you. It also explains how we report information about your 
account to credit reporting agencies and reminds you to notify 
us of a change of address 10 days before you move.
COMMUNICATIONS WITH YOU AND OTHERS:  
Your consent and agreement granted to us in this 
�COMMUNICATIONS WITH YOU AND OTHERS� section 
extends to our authorized representatives.
You give us and our authorized representatives your express 
consent to call you at any telephone number you have provided 
to us or provide to us in the future, including cellular (mobile) 
phone numbers. Your express consent authorizes us and our 
authorized representatives to use any means, including 
automatic dialing technology, artificial and prerecorded voices, 
and text messages, when we contact you by telephone for any 
servicing or non-telemarketing purpose, including, without 
limitation, to collect debts. You understand that your phone 
service provider may charge you for these calls and messages. 
You also agree that we may monitor and record all telephone 
calls, electronic communications, and other communications 
with you, and we may retain them for our records.You agree that we may contact you by mail at any mailing 
address you have provided to us or provide to us in the future, 
and by courier. You agree that we may contact you (including, 
without limitation, for collections purposes) electronically by 
email at any email address you have provided to us or provide 
to us in the future.
We may report information about your account to credit 
bureaus. Late payments, missed payments, or other defaults on 
your account may be reflected in your credit report. We may 
also obtain information about you from credit reporting 
agencies. We may obtain employment information and income 
data from third parties to assist us with the ongoing 
administration of your account. We may make inquiries of third 
parties in connection with maintaining and collecting your 
account, and you authorize such third parties to release 
information about you to us. 
You agree to notify us of any change in your mailing address at 
least ten (10) days before such change. If mailed, notices to you 
shall be considered given when we include the notice on or with 
your billing statement or when we deposit the notice in the U.S. 
mail addressed to the most recent address we have for you.
12. Transferring your account and laws that govern your 
account with us
This section explains how we may transfer your account and our 
rights to other parties. It also explains that you may not transfer 
your rights or duties under the agreement to another person. It 
also identifies the laws that govern your account  
and this agreement.
TRANSFERS:  We may transfer all or part of your account 
balance, along with our rights under this Agreement, to another 
person or entity. That person or entity will then be entitled to 
enforce our rights under this Agreement. You may not transfer 
your rights or obligations under this Agreement.
GOVERNING LAW:  This Agreement (including restrictions on 
interest) shall be governed by federal law and to the extent state 
law applies, Washington state law, regardless of conflict of law 
principles. If there is any conflict between any of the terms and 
conditions of this Agreement and applicable law, this 
Agreement will be considered changed to the extent necessary 
to comply with applicable law. Where this Agreement provides 
that we may exercise discretion in taking certain actions, those 
provisions are not intended to authorize us to take actions that 
are contrary to applicable law. We have additional obligations 
under applicable law. We are not excused from complying with 
those obligations simply because they are not detailed in this 
Agreement.  You agree that all terms of this Agreement are 
material to the determination of interest.
13. Scope of our agreement with you
This section helps explain the scope of our agreement with you 
and how it will be applied and interpreted. ENTIRE AGREEMENT AND SEVERABILITY:  This Agreement, as 
modified by any change in terms we may provide, supersedes 
any prior communications between you and us. Any invalid or 
unenforceable provision of this Agreement will not affect 
whether any other provision is valid or enforceable.
SECTION HEADINGS AND SUMMARIES:  The section headings 
and summaries provided in this Agreement are provided only 
for your and our convenience. The section headings and 
summaries do not define or describe the entire scope or intent 
of any portion of this Agreement.
14. Resolution of claims by arbitration
PLEASE READ THIS PROVISION CAREFULLY. UNDER THIS 
PROVISION, YOU WAIVE YOUR RIGHTS TO TRY ANY CLAIM IN 
COURT BEFORE A JUDGE OR JURY AND TO BRING OR 
PARTICIPATE IN ANY CLASS OR OTHER REPRESENTATIVE 
ACTION, EXCEPT AS SET FORTH HEREIN.
The following provision applies to any claim, cause of action, 
proceeding, or other dispute between us concerning this 
Agreement (each, a �Claim�), including all questions of law or 
fact relating thereto:
Option to Arbitrate.  Either you or we may elect in writing, 
without the consent of the other, to arbitrate all Claims covered 
by this provision. This provision will be broadly interpreted in 
accordance with the following paragraphs.
Claims Covered.  Claims subject to arbitration hereunder shall 
include all of the following:
� Claims arising out of or related to this Agreement, or any prior 
or later versions of this Agreement.
� Claims that relate to the construction, scope, applicability, or 
enforceability of this provision.
� Claims that arose before we entered into this Agreement or 
any other agreement or relationship between us that is 
governed by this Agreement (including, but not limited to, 
Claims relating to advertising).
� Claims that may arise after the termination of this Agreement 
or any other agreement or relationship between us that is 
governed by this Agreement.
� Claims asserted by or against your or our respective 
subsidiaries, affiliates, agents, employees, predecessors-in- 
interest, personal representatives, heirs, and/or successors 
and assigns.
Claims Not Covered.  Claims subject to arbitration hereunder 
shall not include the following:
� Any Claim made in any proceeding that you commence in 
small claims court, so long as it remains in that court.
� Any Claim set forth in any complaint or other communication 
that you may file with or send to a federal, state, or local 
administrative agency, such as the Office of the Comptroller 
of the Currency or the Consumer Financial Protection Bureau, unless such agency asserts jurisdiction over the claim, and 
independently determines the rights of the parties.
� Any Claim arising out of the exercise by either of us of any 
self-help remedy, including any offset, account hold or freeze, 
or repossession.
� Any Claim arising out of or related to an obligation secured by 
an interest in real property.
Arbitration Procedure.  You and we agree to the following 
procedures in arbitrating any covered Claim :
� The party initiating arbitration may choose between arbitration 
administered by one of the following:
� The American Arbitration Administration (�AAA�) under the 
AAA�s Commercial Arbitration Rules and the Supplementary 
Procedures for Consumer Related Disputes, except as 
modified by this Agreement. AAA�s rules may be obtained 
from www.adr.org or 1-800-778-7879 (toll free).
� JAMS/Endispute (�JAMS�) under JAMS� Comprehensive 
Arbitration Rules & Procedures or Streamlined Arbitration Rules 
& Procedures, including JAMS� Consumer Minimum Standards, 
except as modified by this Agreement. JAMS� Class Action 
Procedures shall not apply. JAMS� rules may be obtained from 
www.jamsadr.com or 1-800-352-5267 (toll free).
� Except in the case of a new arbitration by a 3-arbitrator panel, 
as provided for below, the arbitration shall be decided by a 
single neutral arbitrator selected in accordance with AAA�s or 
JAMS� rules, as applicable.
� The arbitrator will take reasonable steps to protect customer 
account information and other confidential information.
� The arbitrator will decide the dispute in accordance with the 
terms of our agreements and applicable substantive law, 
including statutes of limitation and evidentiary privileges. The 
arbitrator may award damages or other relief (including 
injunctive relief) available to the individual claimant under 
applicable law.
� If the arbitrator�s award for a claimant is $0 or against the non-
claimant is greater than $100,000 or includes an award of 
injunctive relief against either party, then that party may 
request a new arbitration by a 3-arbitrator panel in accordance 
with AAA�s or JAMS� rules, in which case each reference in this 
provision to the arbitrator shall mean such 3-arbitrator panel.
� Arbitration shall be commenced in the state in which your 
account is located. Any arbitration hearing shall be conducted 
in the county in which your account is located, unless you and 
we agree to another location.
� If all Claims are for $10,000 or less, you may choose whether 
the arbitration will be conducted solely on the basis of 
documents submitted to the arbitrator, through a telephonic 
hearing, or by an in-person hearing in accordance with AAA�s 
or JAMS� rules. � YOU AND WE AGREE THAT ANY CLAIM MAY BE BROUGHT 
ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A 
REPRESENTATIVE OR MEMBER IN ANY CLASS OR OTHER 
REPRESENTATIVE ACTION (�CLAIM LIMITATION�); EXCEPT 
THAT THE FOREGOING CLAIM LIMITATION SHALL NOT 
APPLY TO ANY CLAIM FOR PUBLIC INJUNCTIVE RELIEF. The 
arbitrator may not consolidate more than 1 person�s Claims, 
and may not otherwise preside over any form of a class or 
other representative action. If this specific paragraph is 
determined by the arbitrator to be unenforceable with respect 
to any Claim, then (i) this Arbitration provision shall be null and 
void with respect to such particular Claims, (ii) all such Claims 
to which this Arbitration provision is deemed unenforceable 
shall be determined in accordance with the provision of this 
Agreement entitled Resolution of Non- Arbitrable Claims; 
provided that this arbitration provision shall continue in full 
force and effect with respect to all other Claims.
� At your or our request, the arbitrator will issue a reasoned 
written decision sufficient to explain the essential findings 
and conclusions on which the award is based.
� The arbitrator�s award shall be final and binding, subject to 
judicial review only to the extent allowed under the Federal 
Arbitration Act. You or we may seek to have the award 
vacated or confirmed and entered as a judgment in any court 
having jurisdiction.
Arbitration Costs.  Unless the applicable arbitration rules are 
more favorable to you, we will advance  (i) all arbitration costs in 
an arbitration that we commence, and (ii) the first $2,500 in 
arbitration filing, administration, and arbitrator�s fees in an 
arbitration that you commence. To the extent allowed by 
applicable law and our agreements, the arbitrator may award 
arbitration costs and attorneys� fees to the prevailing party.
Applicable Law; Severance.  This Agreement evidences 
transactions in interstate commerce. The Federal Arbitration 
Act governs the interpretation and enforcement of this 
provision. Except as this provision otherwise provides, if any 
part of this provision is deemed to be invalid or unenforceable, 
that part will be severed from the remainder of this provision 
and the remainder of this provision will  be enforced .
Resolution of Non-Arbitrable Claims.  If your Claim is governed 
by California law, the following applies: All Claims that are not 
arbitrable under this Agreement (including Claims for which the 
Arbitration provision is deemed unenforceable or for which the 
Claim Limitation applies), including all questions of law or fact 
relating thereto, shall at the written request of any party, be 
determined by judicial reference pursuant to the California 
Code of Civil Procedure. The parties acknowledge that in such 
event, a jury will not decide such Claims.  The parties shall 
select a single neutral referee, who shall be a retired state or 
federal judge (the �Referee�). In the event that the parties 
cannot agree upon a Referee, the court shall appoint the 
Referee. The Referee shall report a statement of decision to the 
court. Nothing in this provision shall limit the right of any party at any time to exercise self-help remedies, foreclose against 
collateral, or obtain provisional remedies. The parties shall bear 
the fees and expenses of the Referee equally, unless the Referee 
orders otherwise. The Referee shall also determine all issues 
relating to the applicability, interpretation, and enforceability of 
this provision. If your Claim is governed by a state other than 
California, the following applies: To the maximum extent 
permitted by law, you and the Bank intentionally and deliberately 
waive the right to a trial by jury to resolve all Claims that are not 
arbitrable under this Agreement (including Claims for which the 
Arbitration provision is deemed unenforceable or for which the 
Claim Limitation applies), including all questions of law or fact 
relating thereto.
If the waiver of jury trial set forth above is not enforceable for 
any reason: Then the parties hereto agree that all such Claims, 
including all questions of law or fact relating thereto, shall, at the 
written request of any party, be determined by judicial reference 
pursuant to applicable state statutes. The parties acknowledge 
that in such event, a jury will not decide such Claims. The 
parties shall select a single neutral referee, who shall be a retired 
state or federal judge (the �Referee�). In the event that the 
parties cannot agree upon a Referee, the court shall appoint the 
Referee. The Referee shall report a statement of decision to the 
court. Nothing in this provision shall limit the right of any party 
at any time to exercise self-help remedies, foreclose against 
collateral, or obtain provisional remedies. The parties shall bear 
the fees and expenses of the Referee equally, unless the Referee 
orders otherwise. The Referee shall also determine all issues 
relating to the applicability, interpretation, and enforceability of 
this provision.
15. Your billing rights as a cardmember
This section describes specific legal rights you have as a 
cardmember. It explains how you may dispute an item on your 
statement, what you may do if you are dissatisfied with a 
purchase from a merchant and the limits on your liability for 
unauthorized transactions.
YOUR BILLING RIGHTS  
KEEP THIS NOTICE FOR FUTURE USE
This notice tells you about your rights and our responsibilities 
under the Fair Credit Billing Act.
What to do if you find a mistake on your statement
If you think there is an error on your statement, write to us at:
Union Bank  
PO Box 2988  
Omaha, NE 68103-2988
In your letter, give us the following information:
� Account information:  Your name and account number.
� Dollar amount:  The dollar amount of the suspected error. � Date and description of problem:  If you think there is an error 
on your bill, describe what you believe is wrong and why you 
believe it is a mistake.
� You must contact us:
� Within 60 days after the error appeared on your statement.
� At least 3 business days before an automated payment is 
scheduled, if you want to stop payment on the amount you 
think is wrong.
You must notify us of any potential errors in writing. You may call 
us, but if you do we are not required to investigate any potential 
errors and you may have to pay the amount in question.
What will happen after we receive your letter
When we receive your letter, we must do two things:
(1) Within 30 days of receiving your letter, we must tell you that 
we received your letter. We will also tell you if we have 
already corrected the error.
(2) Within 90 days of receiving your letter, we must either 
correct the error or explain to you why we believe the bill is 
correct.
While we investigate whether or not there has been an error:
� We cannot try to collect the amount in question, or report you 
as delinquent on that amount.
� The charge in question may remain on your statement, and 
we may continue to charge you interest on that amount.
� While you do not have to pay the amount in question, you are 
responsible for the remainder of your balance.
� We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
� If we made a mistake:  You will not have to pay the amount in 
question or any interest or other fees related to that amount.
� If we do not believe there was a mistake:  You will have to pay 
the amount in question, along with applicable interest and 
fees. We will send you a statement of the amount you owe 
and the date payment is due. We may then report you as 
delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, 
you must write to us within 10 days telling us that you still refuse 
to pay. If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your bill. We must tell 
you the name of anyone to whom we reported you as 
delinquent, and we must let those organizations know when the 
matter has been settled between us.If we do not follow all of the rules above, you do not have to  
pay the first $50 of the amount you question even if your bill  
is correct.
Your Rights If You Are Dissatisfied With Your Credit Card 
Purchases
If you are dissatisfied with the goods or services that you have 
purchased with your credit card, and you have tried in good 
faith to correct the problem with the merchant, you may have 
the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
(1) The purchase must have been made in your home state or 
within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: 
Neither of these are necessary if your purchase was based 
on an advertisement we mailed to you, or if we own the 
company that sold you the goods or services.)
(2) You must have used your credit card for the purchase. 
Purchases made with cash advances from an ATM or with 
a check that accesses your credit card account do not 
qualify.
(3) You must not yet have fully paid for the purchase.
 If all of the criteria above are met and you are still dissatisfied 
with the purchase, contact us in writing at:
 Union Bank  
PO Box 2988  
Omaha, NE 68103-2988
 While we investigate, the same rules apply to the disputed 
amount as discussed above. After we finish our 
investigation, we will tell you our decision. At that point, if 
we think you owe an amount and you do not pay, we may 
report you as delinquent.
16. Liability for unauthorized use
If you notice the loss or theft of your credit card or a possible 
unauthorized use of your card, you should call us immediately 
at 844-860-5465. You will not be liable for any unauthorized 
use that occurs after you notify us. You may, however, be liable 
for unauthorized use that occurs before your notice to us. In any 
case, your liability will not exceed $50.00.
�2021 Visa. All Rights Reserved.
�20 21 MUFG Union Bank, N.A. All rights reserved.  Member FDIC. Equal Housing Lender.  
Union Bank is a registered trademark  and brand name of MUFG Union Bank, N.A.   unionbank.com  8913123-01  (09/21)
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