Summary of Credit Terms- Union Bank Bank Freely Rewards Visa Card 

PLEASE NOTE: If  you apply for the Union Bank® Bank FreelyTM Rewards Visa® Card and meet our eligibility criteria for the 
Visa Signature® Card, you agree that we may consider your application as one for (and upgrade you to) the Union Bank Bank 
Freely Rewards Visa Signature Card. 
Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

0.00% Introductory APR for the first 12 months that your account is open. 

Af ter that, your APR will be 13.99% to 23.99%, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

0.00% Introductory APR for the first 12 months that your account is open. 

Af ter that, your APR will be 13.99% to 23.99%, based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

25.25%. 

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 

Transaction Fees 

•  Balance Transf er 

•  Cash Advance 

None 

Either $10 or 3% of  the amount of each balance transfer, whichever is greater. 

Either $15 or 5% of  the amount of each cash advance, whichever is greater. 

•  Foreign Transaction 

None 

Penalty Fees 
•  Late Payment 
•  Over-the-Credit Limit 
•  Returned Payment 

Up to $37. 
None 
Up to $35. 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 

The inf ormation about the costs of the card described in this application is accurate as of 03/16/2020. This information may have 
changed after that date.  To f ind out what may have changed, please call us at 877-505-6789. 

SEE BACK OF PAGE for more important information about your account. 

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ADDITIONAL TERMS & CONDITIONS 

If an account is opened, you will receive a Cardmember Agreement (“Agreement”) with your card(s). You agree to the terms of this Agreement by: using t h e  
account or any card, authorizing their use, or making any payment on the account. We have the right to change the account terms (including t h e  A P Rs ) in  
accordance with your Cardmember Agreement. We reserve the right to change the benefit features associated with your card at any time. Comple t e  t e rms 
and conditions will be provided to you when you become an approved cardmember. Cards are issued and serviced by Union Bank Card Services, a divisio n  
of MUFG Union Bank, N.A. 

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT 

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions t o  o b t a in,  ve rif y ,  a n d  
record information that identifies each person and/or entity that opens an account; and What this means to you: When you open an account, we will a s k f o r 
your name, address, date of birth (for individuals) and other information that will allow us to identify you. We may also ask to see yo u r d rive r’s   lic e n se  o r 
other identifying documents. 

CREDIT REPORT AUTHORIZATION 

By submitting an application for credit, you authorize us to obtain credit bureau reports that we will use when considering your application for credit. You also 
authorize  us  to  obtain  credit  bureau  reports  and any other information about you in connection with the extensions of credit on your account and the 
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 o b t ain e d a  re p o rt  
about you. You also authorize us to verify your employment, income and other relevant information. 

COMMUNICATION AUTHORIZATION 

By  providing  us  with  your  residential  phone  number  or  cell  phone  number, you agree that we (including companies working on our behalf) have your 
permission to contact you at the number provided about any of your Union Bank accounts, and that we may use text messaging, artificia l o r p re re co rd e d  
voice messages and automatic dialing technology for informational and account servicing calls, as well as for collection purposes. Message and data  ra t e s 
may  apply.  You  also agree  that  by  providing  your  email address, we have your permission to contact you through your email address to notify you of 
progress on your application, provide important account information, to let you know about other products and services. 

ARBITRATION NOTICE 

If you are issued a credit card, your Agreement will contain a binding arbitration provision. In the event of any dispute relating to your account, the dispute will 
be resolved by binding arbitration pursuant to the rules of the American Arbitration Association or JAMS/Endispute. Both you and we agree to waive the right 
to go to court or to have the dispute heard by a jury (except as to any collection activities on your account). You and we will be waiving any right to a jury tria l 
and you also would not have the right to participate as a part of a class of claimants relating to any dispute with us. Other rights available to you in court may 
also be unavailable in arbitration. When you receive your Agreement, you should read the Resolution of Claims by Arbitration provision in your A g re e me n t  
carefully and not accept or use the Card unless you agree to be bound by the arbitration provision. 

BALANCE TRANSFERS 

If you are issued a credit card, you authorize us to make one or more of the balance transfers that you have requested from credit card accounts or other types 
of accounts with other financial institutions. Balance Transfers cannot be used to pay off or pay down any Union Bank credit card,  e it h e r o p e ne d in  yo u r 
name or any other person. All balance transfer requests are subject to our approval; we are not liable if we do not make a requested balance t ra n sf er.  W e  
reserve the right to make balance transfers in the order we select and to limit the amount of the balance transfers that we make (this amo u n t  ma y  b e  le ss  
than your total credit limit).  If you request an amount that we do not approve, we may process a partial transfer for less than you requested or we may decline 
the entire request. In addition, transfer requests that are incomplete, illegible or requested to cash, to yourself or to another account with  u s  o r o n e  o f  o u r 
affiliates may not be processed. You should not transfer any amount that is in dispute in order to preserve your dispute rights. When you transfer a ba la n ce 
from another account, we send a payment in the amount of the balance transfer to the other financial institution. We have n o  co n t ro l o ve r,  a n d a re  n o t  
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. You should continue to monitor the other accounts that yo u  re q u es t  a  t ra n s f e r 
balance to 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 f o r 
any late payments, finance charges or disputed amounts on your other accounts. We do not send instructions to the other financial institution to clo se  yo u r 
other account. If you want the other account to be closed, you must do that yourself. Balance transfers are subject to applicable fees and fin a nce  c h a rg es  
and do not have the benefit of a grace period. If you take advantage of a balance transfer offer and continue to use the credit card to make purchases, 
you will lose the interest-free grace period on the new purchases unless you pay the entire statement balance, including the amount subject to the  
promotional APR, by  the payment due date. 

OVERDRAFT PROTECTION LINKED TO A UNION BANK CREDIT CARD 

By enrolling in Overdraft Protection Linked to a Union Bank Credit Card, you authorize the Bank to make advances on your Union Bank Credit Card (subject  
to your available credit) in order to cover transactions (including transfers between checking, money market, and savings accounts) presented for p a yme n t  
against insufficient funds. We will not authorize transactions requiring real-time authorization (such as ATM withdrawals, ATM or Debit Card purchases, a n d  
cash withdrawals in a Union Bank branch) using this service. If you attempt a transaction requiring real-time authorization and there are insufficient available 
funds in the linked checking account, the transaction will be declined. Activation of the Overdraft Protection service may take up to 5 business days following 
the approval of a new credit card account; for customers with an existing open credit card account, it may take up to 5 business days from the initial requ e st  
to enroll in the Overdraft Protection service. 

Each business day that we determine that your linked checking account is overdrawn by any amount, you authorize us to make an Overdraft Advance equal 
to a) $50, or b) the next highest multiple of $50 that will equal or exceed the linked checking account overdraft, as determined by u s.  Fo r e xa mp le ,  if  we  
determine that your linked checking account is overdrawn by $125, you understand and agree that we may automatically make an Overdraft Advance of $150 
from your Union Bank Credit Card for deposit to your linked checking account. We will make advances only once each business day. 

Advances will only be processed if at least one transaction can be covered by the advanced amount. Any negative balance from a previous business day will 
not trigger an advance unless another eligible transaction is presented for payment and there is sufficient available credit on the credit card account to cover 
at least that additional transaction. If you do not have sufficient available credit on your credit card account to cover all transactions, your lin k e d  ch e ckin g 
account may be subject to fees for any uncovered transactions. The total advance amount will appear on the linked checking account statement each day an 

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advance is made. Only one checking account may be linked to one credit card account, and both accounts must have a co mmo n  o wn e r.  I f  y o u r lin ke d  
checking account is changed to a closed status for any reason, Union Bank may terminate the Overdraft Protection Linked to a Union Bank Credit Card service  
without notice. 

Overdraft  Advances  will  be  added  to  your  Overdraft  Advance  Balance Category on your credit card monthly statement and be charged the Overdraft 
Advance Annual Percentage Rate. Your APR will be 13.99% to 23.99%, based on your creditworthiness. This APR will vary with the marke t  b a s e d  o n  t h e  
Prime Rate. No grace period will apply when calculating finance charges for Overdraft Advances. Note that the Bank Freely Rewards V isa  ca rd  d o e s  n o t  
charge  an  additional  daily  Overdraft  Advance  Fee.  If  your  linked  credit  card  account  is  changed  to  a  closed status for any reason, Union Bank may  
terminate the Overdraft Protection Linked to a Union Bank Credit Card service without notice. You may cancel this service at any time. 

Some  accounts  may  not  be  eligible  for  Overdraft  Protection  Linked  to  a Union Bank Credit Card. For more information, see the Union Bank Personal 
Accounts & Services Disclosure and Agreement. 

OTHER DISCLOSURES 

CALIFORNIA RESIDENTS: A married applicant may apply for a separate account. Additionally, we may obtain information at any time from the Ca lif o rn ia  
Department of Motor Vehicles. You agree to waive the address confidentiality requirements section of the California Vehicle Code (Section 1808.21). 

NEW  YORK  RESIDENTS  may  contact  the  New  York  State  Department  of  Financial  Services  by  telephone  at  1-800-342-3736  or  visit  its  website at 
www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods. 

OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit  
reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers complian ce  wit h  t h is 
law. 

WASHINGTON STATE RESIDENTS: Washington state law prohibits discrimination in credit transactions because of race, creed, color, national origin, sex,  
or marital status. The Washington State Human Rights Commission administers compliance with this law. 

NOTICE TO MARRIED  WISCONSIN APPLICANTS: No provision of any marital property agreement, unilateral statement or court decree adversely affe cts 
our interests and/or rights unless, prior to the time the credit is granted or an open-end credit plan is entered into, we are furnished with a copy of the agreement, 
statement, or decree, or have actual knowledge  of  the  adverse  provision.  Married Wisconsin residents applying for credit separately m us t fur ni s h 
name and address of their spouse to Union Bank at P.O. Box 60398, Phoenix, AZ 85026. 

MILITARY LENDING ACT 

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general,  t h e  
cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must 
include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection  
with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation  
fee charged (other than certain participation fees for a credit card account). 

Additionally,  if  any clause  in  your  Cardmember  Agreement with us conflicts with the federal law protections afforded to members of the Armed Forces, 
including any provision related to mandatory arbitration, federal law will prevail. 

If you would like to receive this Military  Lending Act disclosure orally, please call 1-877-925-8666. 

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The following is a summary of certain key terms and conditions for the Union Bank Rewards Program for the Union Bank Bank Freely Rewards Visa  Cre d i t  
Card. You will receive complete Program terms and conditions with your account opening materials if your application is approved. 

REWARDS PROGRAM TERMS AND CONDITIONS 

EARNING CASH BACK  REWARDS 

Purchases 

You earn cash back rewards when you (or your authorized user) make Purchases of products and services with your credit card, excluding dispu t ed  it e ms  
and items that are subsequently subject to a refund or credit (such as returned merchandise) (collectively “Purchases”). 

Purchases do not include: 

a)  Annual fees, finance charges and other fees or charges posted by us to the account; 
b)  Cash advances (including but not limited to cash received over the amount of Purchases charged to the account, Purchases of money orders 

or other cash equivalents) or special check transactions; 

c)  Balance transfers; 
d)  Overdraft advances; 
e)  Charges for other products, services, or benefits that we provide (such as credit insurance premiums); or 
f)  Other transactions that we determine not to be eligible. 

Cash back rewards are not earned until they appear on the account statement. Cash back rewards that have been awarded may be deducted if, afte r ca sh  
back rewards are awarded, Purchases are subsequently subject to a refund, credit or dispute. We reserve the right to retroactively correct  e rro rs ma d e  in  
point awards. Cash back rewards you earn during the billing cycle will be added to your rewards balance within 7 days after the end of the billing cycle.  

Introductory  Cash Back Rewards Bonus 

You will earn a $200 introductory cash back rewards bonus following your first $1,000 in Purchases made within 3 months of account opening. This 
$200 cash back rewards bonus will post to your reward balance within 8 weeks after the close of your third billing cycle. You are limited to one intro d u ct o ry 
cash back rewards bonus per card account. 

Cash Back Rewards 

You will earn 1.5% cash back rewards for each $1.00 spent on Purchases posted to your account.  

CASH BACK  REWARDS REDEMPTION 

You may redeem for the following: 

• 
• 
• 

• 

A statement credit to your card account; 
A deposit into a non-Union Bank checking or savings account; 
A deposit into a Union Bank checking or savings account. Cash back rewards redeemed into a Union Bank checking or savings account will 
receive a 25% bonus; 
A principal reduction payment to your Union Bank mortgage account. Cash back rewards redeemed as a principal reduction to a Union Bank 
mortgage will receive a 50% bonus. 

You must have a Union Bank checking account, savings account, or residential mortgage account in an open status with Union Bank to qualify for the last two 
cash back redemption methods referenced above. 

When you redeem cash back rewards for a statement credit to your card account, the statement credit is treated as an additional payment on your accou nt .  
You are still required to make your regular monthly  account payments as indicated on your monthly  statements. Statement credits will post to  yo u r 
card account within 5 business days. It may not appear on your monthly statement for 1 to 2 billing cycles. 

When you redeem cash back rewards into a Union Bank checking or savings account, the deposit will post to your checking or sa vin g s a cco u n t  wit h in  5  
business days. 

When you redeem cash back rewards for a principal reduction payment to your Union Bank mortgage account, the payment will be applied as an extra principal 
payment and will not count toward your regular monthly payment. You are still required to make your regular mortgage account payments as indicated 
on your monthly  mortgage statements. Principal reduction payments will post to your mortgage account within 5 business days. It may not appear on your 
mortgage account monthly statement for 1 to 2 billing cycles. 

When you redeem cash back rewards in t o a non-Union Bank checking or savings account, the deposit will post to your checking or savings account within 7 
to 10 business days. 

We may also provide additional redemption options from time to time. Redemption options are offered solely in our discretion, are not guaranteed,  a n d  a re  
subject to any limits that we may impose. Redemption options may be withdrawn at any time without notice. 

The  amount  of  cash  back  rewards redeemed  will  be  subtracted  from  your  rewards  balance.  We  may,  in our discretion, set a minimum or a maximum 
number  of  cash  back  rewards  that  you  may  redeem  in  a  single  transaction.  We  may  adjust  this  amount  from  time to time. We also may require that 
redemptions occur in round increments that we will set in our discretion from time to time. All redemption transactions are final. 

CASH BACK  REWARDS EXPIRATION 

Cash back rewards do not expire for the life of the account.  However, if your account is closed by you or by us, you will lose any cash back rewards you have 
not redeemed. 

PROGRAM CHANGES 

We reserve the right to change these Program terms and conditions with or without prior notice (except where required by law). Cash back rewards redemption 
amounts may change at any time. 

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DISQUALIFICATION/TERMINATION 

If the account does not remain in good standing, you will not earn future cash back rewards, cannot redeem cash back rewards, a n d  yo u  will f o rf e it  a n y  
accumulated  cash  back  rewards  previously  earned.  An  account  is  in good standing when no event has occurred that  allows us to require immediate 
payment of your entire balance under the Agreement, including, without limitation, failing to make the minimum  payment  when due, having a  p a y me n t  t o    
us denied, providing us false or misleading information, or other reasons described in the Rewards Program Terms and  Conditions. 

We reserve the right to disqualify or remove any person or account from participation in the Program, refuse to award or redeem cash back rewards, or close 
your account at any time, for any reason including, but not limited to, your account being inactive (as such term is defined by us from time to time). If s u c h  a  
disqualification occurs, it may result in the forfeiture of any accumulated Cashback Rewards. Closing your account (by you or by us) will result in the termination 
of your enrollment in the Program, and any accumulated cash back rewards will be forfeited. 

Cards are issued and serviced by Union Bank Card Services, a division of MUFG Union Bank, N.A. 

©2021 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 Bank Freely Rewards Visa Card (LTO-CBF/CEC15200)- Web 07/21 

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