Visa Credit Card Cardmember 
Agreement, Disclosure 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  result  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, you 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).

IN  FOREIGN  CURRENCIES: 
TRANSACTIONS  MADE 
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 
that  govern  your  account 
and this agreement.

identifies 

laws 

the 

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.

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.

•  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.

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.

©2021 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)

M-130198