Page 1 of 3 Summary of Credit Terms - Union Bank� Platinum� Visa� Card 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for the first 15 months that your account is open.
After that, your APR will be 9.99% to 21.49%, based on your creditworthiness.
This APR will vary with the mark et based on the Prime Rate. 
APR for Balance Transfers 0.00% Introductory APR for the first 15 months that your account is open.  
After that, your APR will be 9.99% to 21.49%, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 
APR for Cash Advances 26.75%. 
This APR will vary with the market based on the Prime Rate. 
Penalty APR None 
Paying Interest Your due date is at least 21 calendar days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. 
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75.  
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
 
Fees 
Annual Fee None 
Transaction Fees  
�Balance Transfer $0 Introductory fee for balance transfers completed within 60 days of account opening. After 
that, either $10 or 3% of the amount of each balance transfer, whichever is greater.  
�Cash  Advance Either $15 or 5% of the amount of each cash advance, whichever is g reater.  
�Foreign Transaction3% of each transaction in U.S. dollars. 
Penalty Fees  
�Late Payment Up to $37. 
�Over-the-Credit Limit None  
�Returned  Payment Up to $35. 
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 
The information about the costs of the card described in this application is accurate as of 07/20/20 22. This information 
may have changed after that date. To find out what may have changed, please call us at 877-505-678 9
SEE BACK O
F PAGE for more important information about your account. The rates below reflect the 6/16/22 Prime Rate increase that we will implement on 7/20/22. For accounts opened through 7/19/22, the Summary of Credit Terms 
with your new card will not reflect the increased rate. For accounts opened after 7/19/22, the Summary of Credit Terms will reflect the increased rate. Page 2 of 3 ADDITIONAL T ERMS & CONDITIONS 
If an account is opened, you will receiv e a Cardmember Agreement (�Agreement�) with your card(s ). You agree to the terms of  this Agreement by: us ing 
the ac count or any card, a uthorizing th eir use, or mak ing any pa yment o n the account. W e hav e the righ t to chan ge the acc ount terms (inc luding th e APRs) 
in accordance with y our Agreement. We res erve the right to chan ge the be nefit fe atures ass ociate d with your card at any time.  Complete terms and 
conditions w ill be prov ided to you when y ou become an approv ed cardmember. C ards ar e issued and serv iced by U nion Bank� Card Serv ices, a div ision 
of MUFG U nion Bank, N .A. 
IMPORTANT I NFORMATION ABOUT P ROCEDURES F OR OPENING A NEW ACCO UNT 
To help the government fight the funding of terroris m and money laundering activ ities, Federal law requires all  financial institutions  to obtain, verify, and 
record information that identifies eac h person and/ or entity that opens an acco unt; an d What this means  to you: When you open  an acc ount, we will  ask 
for your name, addres s, date of  birth (for indiv iduals ) and other information that will allow  us to identify you. We may also ask to  see your driv er�s licens e 
or other identify ing docume nts. 
CREDIT RE PORT AUT HORIZATION 
By submitting an application for credit, you authorize us  to obtain c redit bureau reports that we will use when consi dering your application for c redit. You 
also authorize us  to obtain c redit bureau reports and any oth er information abo ut you in connec tion with the extens ions of c redit on your acc ount a nd the 
administration,  review or collection  of your account.  If you ask, we will tell you the name and address  of the credit bureau from which we obtaine d a report 
about you. You also auth orize us to verify y our employ ment, income and oth er relevant  informatio n. 
COMMUNICATION AUTHORIZATION 
By providing a telephone number, inc luding but not limited to a  cellular  (mobile)  telephone number, you agree that we (inc luding companies work ing on 
our behalf) have your express  consen t to con tact yo u or the Company at  the numb er prov ided about any o f the Compa ny�s Union Bank ac counts, an d that 
we may use text mess aging, artific ial or prerecorded v oice messa ges an d automatic  dialin g tech nology to call you for any non- telemarketi ng pur pose, 
including but not limited to information al, acc ount serv icing, a nd collectio n calls. Mess age and data rates may ap ply. You also a gree th at by prov iding your 
email address , we have your permiss ion to cont act yo u throu gh your email address  to notify yo u of pro gress  on your applicati on, prov ide importa nt ac count 
information, to let you know about other prod ucts and services. 
ARBITRATION NOTICE 
If you are issued a credit card, your Agreement  will contain a binding arbitrati on provision. In the event of any dispute relating  to your account,  the disput e 
will be resolved by binding arbitration pursuan t to the rules of the American Arbitration Ass ociation or JAMS/Endispute. Bot h you and we agree to wa ive 
the right to go to court  or to have the dispute heard by a jury  (except as to any collection activ ities on your acc ount). You and we will  be waiv ing any rig ht 
to a jury trial  and you also would not have the right to partic ipate as a part of a c lass of claimants relating to any dispute with us.  Other rights availab le to 
you in  court may also be unavailable in arbitration. When you receive your Agreemen t, you should read the Resolu tion of Claims by Arbitration provis ion 
in your Agreement c arefully and not ac cept or use the Card unless  you agree to be bo und by the arbitration  provision. 
BALANCE T RANSFERS 
If you are issued a credit card, you authorize  us to make one or more  of the balance  trans fers that you have requested from credit card accounts  or other  
types of acc ounts with other financ ial institutions. Bala nce Transfers canno t be used to pay off or pay down any  Union Bank c redit card, either op ened in 
your name or any other person. All balanc e transfer requests are subject to our appr oval; we are not liable if we do not make a requested balanc e 
transfer. We reserve the right to make balance transfers in the order we select and to limit the amount of the balance transfer s that we make ( this 
amount may be less than your total credit limit). If you reques t an amount that we do not approve, we may process a partial transfer for less than 
you requested or we m ay decline the entire request. In addition, transfer requests that are incomplete, illegible or requested to cash, to yourself or 
to another account with us or one of our affiliates may not be processed. Y ou should not transfer any amount that is in dispute in order to preserv e 
your dispute rights.  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 r esponsible for verifying that the other financial ins titution applies the balance transfer payment in accordance with your other  account�s term s. 
You should continue to monitor the other  accounts that you r equested us to send the proceeds of the balance tr ansfer to, and you should c ontinue 
to pay the minimum  payments due on those accounts until you r eceive statements from those creditors showing that the balances  due them 
have been paid in full. This might not happen until after  the balance transfer appear s on your billing statement from us . You are liable for any late 
payments, finance charges or disputed amounts on your other  accounts. We do not send ins tructions to the other financial institution to c lose 
your other account. If you want the other account to be clos ed, you must do that yourself. Balance transfers are subject to applicable fees and 
finance charges and do not have the benefit of a grace period. If you take advantage of a balance transf er offer and continue to use the credit 
card to make purchases, you will lose the interest-f ree grace period on the new purchases unless you pay the entire statement balance, 
including t he amount s ubject t o the promotional APR, by the payment  due d ate. 
OVERDRAFT PROTECTION LINKED TO A UNION BANK CREDIT CARD 
Service is limited to covering one personal checking account linked to one per sonal Union Bank credit card, and both ac counts must have a 
common owner. 
By enrolling in Overdraft Protection Linked to a Union Bank Credit Card, you authorize the Bank to make advances on your Union Bank 
Credit C ard (subject to yo ur available credit) in order to cover transactions (including transfers between checking, money market, and savings 
accounts) presented for payment against insufficient funds. We will not authorize transactions requiring real-t ime authorization ( such as ATM 
withdrawals, ATM or Debit Card purchases, and cash withdrawals in a Union Bank  branch) using this service. If you attem pt a transac tion 
requiring real-t ime authorization and there are insufficient available funds  in the linked checking account, the transaction will be declined. 
Activation of t he Overdraft  Protection service may t ake up to 5  Page 3 of 3 business days f ollowing the approval of a new credit ca rd account; f or cu stomers w ith an ex isting open c redit ca rd acc ount, i t may take up to 5 busin ess 
days f rom the initial r equest t o enroll i n the Overdraft P rotection service.  
Each busi ness day th at we det ermine th at your linke d  check ing account is overdr a wn by any am ount, you a uthorize us to make  an Overdraft Advance 
equal to a) $50, or  b) the next highest multiple of $50 that will  equal or exc eed the linked check ing account ove rdraft, as determine d  by us. For examp l e, 
if we determine that your lin k ed checking acco unt is overdrawn by $125, you unders tand and agree that we may auto matica lly mak e an Overdraft  Advance 
of $150 from your Union Bank Credit Card  for depos it to your linked check i ng account . We will make advances only once each business  day. 
Advan ces will only be process e d if at least one transactio n can be covered by the a dvanced amo unt. Any neg a tive bal ance from a previous busine ss day 
will
 not trigger an advance u nless an other eligible transacti on is present ed for  payment and t here is suffic ient availabl e credit on the c redit c ard account t o 
cover at l east  that addi tional transac tion. I f you do not hav e suffic ient availabl e credit on your c r edit card acc ount to cover al l transacti ons, yo ur linked 
checking account ma y be subject to fees for any u ncov ered transactions. The total advance amoun t will appear on the link ed checking account s tatement 
each day an advance i s made. O nly one check i ng account m ay be linked to one c redit card account, and both acc o unts must hav e a common owner. If 
your linked che cking account i s changed to a c losed stat us for any reason, U ni on B ank m ay terminate the Ove rdraft P rotection Linked to a Union B ank 
Credit C ard serv ice without notice. 
Overdraft Advances and the $ 10 daily Overdraft Advance Fee will be added to your Overdraft Advance Balance Category on your credit card 
monthly statement and be charged the Overdraft Adv ance Annual Percentage Rate. Your APR will be 9.99% to 21.49%, based on your 
creditworthiness. This APR will vary  with the market based on the Prime  Rate. No grace period will apply when calculating finance charges  for 
Overdraft Advances. If your linked credit card account is  changed to a closed status for any reason, Union Bank may terminate the Overdraft 
Protection L ink ed to a U nion B ank C redit Card service without notice. You may cancel this service at any t ime. 
Some acc ounts m ay not be eligible for O verdraft P rotec tion Link ed to a Union Ba nk Cr edit C ard. F or more information, se e the Union Ba nk Personal 
A
ccounts & S ervices D isclosure and Agreement . 
O
THER DISCLOSURES 
CALIFORNIA RESIDENTS: A married applicant may apply for a sep arate account. A dditionally, we may obt ain information at any time from the Califo rnia 
Department of M otor V ehicles. Y ou agree to waive t he addr ess con f ide ntiality r equireme nts section of t he California Vehic le Code (Secti on 1808.21). 
NEW Y ORK RESIDENTS may contact t he New Y ork State Department of F inanc ial Services by t el ephone at 1- 800- 342-3736 or vis it its webs ite at 
www. dfs.ny.gov for f ree information on comparative credit ca rd rates, f ees and gr ace per iods. 
OHIO RESIDENTS: The Ohio laws against disc rimination require that all c reditors make c redit e qually ava i lable to all c reditworthy cust omers and that 
credit  reporting agenc ies maintain separate c redit histories on each indiv idual upon request. The Ohio Civ il Rights Commiss ion administers co mplian ce 
with this law.  
WASHINGTON STATE RE SIDENTS: Washington state law pr ohibits di scrimination i n credit t r ansactions beca use of r ace, creed, co lor, nat ional or igin, 
sex, or m ar ital st atus. T he Wash ington St ate Human Rights C ommiss ion administers co mpliance w ith this l aw. 
NOTICE TO MARRIED  WISCONSIN APPLICANTS: No prov ision of any marital pro perty a greeme nt, unilateral stat ement or court d ecree a dverse ly affects 
our interests and/or rights unless , prior to th e time the c redit is grante d or an op en-end credit pla n is entere d into, we are fur nishe d with a copy  of the 
agreement, stateme nt, or d ecree, or have act u al knowled ge of t he adverse prov ision. Married Wisconsin residents applying for cr edit sepa ratel y must 
furnish  name and address of their  spouse to  Union  Bank at  P.O. Box 60398, Phoenix, AZ 85026. 
MILITARY L ENDING ACT 
Federal law  prov ides important protections to members of the Armed  Forces and their  dependents relating to extens ions of consu mer c redit. In gene ral, 
the cost  of consu mer c redit to a member  of the Armed  Forces and his or  her dependent may not exc eed an annual percenta ge rate of 36 percent. T his 
rate must include,  as applicable to the credit t ransactio n or account: The costs associated with credit insurance  premiums ; fees for ancillary produc ts sold 
in connection with the credit transacti on; any applicati on fee charge d (other than certain applica tion fees for spec ified credit transac tions or accounts ); and 
any partic ipation fee charge d (other than certai n partic ipation fees for a c redit card account).  
Additionally, i f any clause i n you r Agreeme nt with us co nflicts w ith the f ederal l aw pr otections afford ed to m embers of t he A rmed Forces, i ncluding any  
pr
ovision related to mandatory ar bitration, f ederal l aw w ill prevail. 
If you would like to receive t hi s M ilitary Lending Act di sclosure orally, pl ease call 1- 877- 925-8666. 
Cards are issued and serviced by Union Bank Card Services, a division o f MUFG Union Bank, N.A.  
�2022 MUFG Union Bank, N.A. All rights reserved. Member FDIC.  Union Bank is a registered trademark and brand name of MUFG Union Bank, N.A. unionbank.com  
Union Bank PlatinumTM Visa� Card (CNR) � Web 07/22