Page 1 of 5 Summary of Credit Terms - Union Bank Bank Freely Rewards Visa Card 
PLEASE NOTE: If you apply for the Union Bank� Bank Freely�  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.
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.
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.
After that, your APR will be15.49% to 25.49%, based on yo ur
creditworthiness. Th is 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.  
After that, your APR will be 15.49% to 25.49%, based on your 
creditworthiness. T his 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
�Cash Advance
�Foreign TransactionEither $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. None 
Penalty Fees  
�Late Payment Up to $37. 
�Over-the-Credit LimitNone 
�Returned PaymentUp to $35. 
How We Will Calculate Your Balance: We us e 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 07/20/202 2. This information may 
have c hanged after that date. To find out what may have changed, please call us at 877-505-6789 . 
SEE BACK OF PAGE for more important information about your account.  Page 2 of 5 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 he 
account or any card, aut horizing t heir use, or makin g any pa yment on th e accou nt . We h ave t he right to ch ange t he acco unt terms (including t he APR s) in 
accordance with your Cardmember Agre emen t. We rese rve th e right to cha nge th e benefit f eatures associ ated with your card a t any time. Comple te terms 
and conditions will  be provided to you when you become an approved cardmemb er. Cards are issued and serviced by Union Bank Card Services, a  division 
of MUFG  Union Bank, N.A.  
IMPORTANT I NFORMATION ABOUT P ROCEDURES F OR OPENING A NEW ACCOUNT 
To help the government  fight the funding of terrorism  and money laundering activities,  Federal law requires all financial  institutions to obtain, verify, and record 
information that identifies each  person  and/or entity tha t opens an accou nt ; and What this means t o you: When you open an accou nt , we will ask for your 
name, address, date of birth (for individuals) and other information th at will allow us to identify you. We may also ask to se e your driver�s license or other 
identifying documents.  
CREDIT REPORT AUT HORIZATION 
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 cred it  on your  account  and the 
administration,  review  or collection  of your accoun t.  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 authorize  us to verify your employme nt, incom e and other  releva nt  informatio n. 
COMMUNICATIO N AUTHORIZATION 
By providing a telephone number,  including but not limited  to a cellular  (mobile)  telephone number,  you agree that we (including companies working  on our 
behalf) have your  express consent to contact you or the Company at the number provided about any of the  Company�s Union  Bank accounts,  and that we 
may use text messaging, artificial or prerecorded voice messages and automatic dialing technology to call you for any non- telemarketing purpose, including 
but not limited  to informational,  accoun t  servicing, and collection  calls.  Message and data rates may apply.  You also agree that by providin g your email  address, 
we have  your permissi on to contact  you through your email  address to notify you of progress on your applicatio n, provid e import ant accou nt  in formatio n, to let 
you know  about  other  products and services. 
ARBITRATIO N NOTICE 
If you are  issued a credit card, your Agreement will  contain a binding arbitration provisio n. In the event  of any disput e relating to your accoun t, the dispu te wi ll 
be resolved by binding arbitration pursuant to the rules of the American Arbitration Associati on or JAMS/Endispu te . Both you and  we agree to waive the rig ht 
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 trial 
and you also would not have the right to participate as a part of a  class of  claimants relating to any dispute with us. Other rights available to you in court  may 
also be unavailable in arbitratio n. W hen you receive you r Agreeme nt, you  shou ld read t he Resolu tion of Claims by Arbitration pr ovision in your Agre ement 
carefully and not accept or use the Card unless you agree to be bou nd by the arbitratio n provision.  
BALANCE T RANSFERS 
If you are issued a credit  card,  you authorize  us to make one or more  of the balance  transfers that  you have  requeste d from credit card account s 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, either  opened in  your 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  transfer.  We reserve 
the right to make  balance  transfers in the order  we select and to limit the amount  of the balance  transfers that  we make (this amount  may be less than yo ur 
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  accoun t  with us or  one of our 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 balance  from anot her 
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.  You should continu e to monitor  the other accoun ts that  you requested us to send the procee ds of the 
balance transfer 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 for any late payments, finance charges or disputed amounts on your other accounts. 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. 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 transfer 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, i ncluding t he amount s ubject t o the promotional APR, by the p ayment due d ate. 
OVERDRAFT P ROTECTION LINKED TO A UNIO N BANK CREDIT CARD 
Service is limit ed to covering one personal ch ecki ng acco unt l inked to one person al U nion Ba nk credit ca rd, and both acco un ts must  have a common owner. 
By enr olling in Overdraft Protection Linked to a Union Bank Credit Card, you authorize the Ba nk to make advances on your Unio n Bank Credit Card (subje ct 
to your available credit) in order to cover transactio ns (includin g transf ers betwe en che cki ng , money market, a nd savi ngs accou nts) present ed for paym ent 
against insufficient funds. We will not authorize transactions requiring real -time authorization (such as ATM  withdrawals, ATM  or Debit  Card  purchases, and 
cash withdrawals in  a Union Bank branch) using this service. If  you attempt a transaction requiring real -time authorization and th ere are insufficient availa ble 
funds in the linked checki ng account, the transacti on will be declined. Activation of the Overdraft Protecti on service may take up to 5 business days  following 
the approval of a new credit card account; for customers with an existing o pen credit card accou nt, it may take up to 5 business days from the initial reque 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 ove rdraf t, as determine d by us. For example, if we 
determine that  your linked  checking account  is overdr awn by $125,  you understa nd and agree that we may automatically make an Overdraft  Advance of $150 
from your Union  Bank Credit  Card  for deposit  to your linked  checking accou nt.  We will make  advan ces only once  each  business day.  
Advances w ill onl y be processed if at l east one transaction can be covered by  the adva nc ed amou nt. Any negative  balance  from a previous busi ness  day w ill  Page 3 of 5 not trigger  an advance  unless  another  eligible  transaction is presented for payment and there is suffic ient available  credit on the credit card account to cover 
at least that additional transaction. If you do not have suffic ient availa ble credit on your c redit ca rd account to cov er all transactio ns, your linked checking 
account  may be subject  to fees for any uncovered trans actions.  The total advance amou nt will appear  on the linked checki ng account statem ent each day an 
advance  is made.  Only one checking account may be linked to one credit card account,  and both accounts  mus t have  a common  own er. If your linked checking 
account  is changed to a closed status  for any reason,  Union  Bank  may terminate the Overdra ft Protection  Linked  to a Union  Bank  Credit  Card service without 
notice.  
Overdraft Advances will be added to your Over draft Advance Balance Category on your credit card monthly statement and be charged the 
Overdraft Advance Annual Percentage Rate. Your APR will be 15.49% to 25.49%, 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. Note that the Bank Freely Rewards 
Visa card does not charge an additional daily Overdraft Advance Fee. If your linked credit card account is changed to a closed status for any reason, 
Union B ank may terminate t he O verdraft P rotection L inked t o a U nion B ank C redit C ard service w ithout n otice. Y ou m ay cancel this service a t any time. 
Some accounts may not be eligible for Overdraft Protec tion Link ed to a Union Bank Credit Card. For more information, se e the Union Bank Perso nal Accounts  
& Service s Disclosur e and Agreement . 
OTHER DISCLOSURES 
CALIFORNIA RESIDENTS:  A m arried applicant m ay appl y for a separate acc ount. A ddition ally, w e may obt ain inf ormation at any t ime from t he Calif ornia 
Department of M otor Vehicles. Y ou agree to waive t he addr ess confidentiality r equireme nts section of t he California Vehic le Code (Secti on 1808. 21). 
NEW Y ORK RESIDENTS may co ntact t he New York S tate Department of F inanc ial Services by t elephone at 1 - 800- 342- 3736 or visit 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 RE SIDENTS: The Ohio laws against disc rimination requir e tha t all cr editors make credit equally available to all creditworthy c ustomers and that cr edit 
reporting agencies maintain separ ate credit histories on each indiv idual upon reques t. The Ohio Civil Rights Commis sion administ ers compliance with this law. 
WASHINGTON STATE RESIDENTS: Washington state law pr ohibits di scrimination in c redit transactions beca use of r ace, creed, co lor, nat ional or igin, s ex, 
or marital st atus. T he Washington St ate Human Rights C ommiss ion administers c ompliance w ith this l aw. 
NOTICE T O MARRIED WISCONSI N APPLICANTS: No prov ision o f any marital pr operty agreement, unilateral statement o r court decree adversely affects 
our interests and/or rights unless , prior to the tim e the c redit is gran ted or an open- end credit plan is entere d into, we ar e furnished with a copy of th e agreement, 
statemen t, or dec ree, o r have actual kno wledge of t he adverse pr ovision. Married Wisconsin residents a pplying for credit separatel y must furnis h nam e 
and address of their spouse to Union Bank at P.O. Box 60398, Phoenix, AZ 85026. 
MILITARY L ENDING ACT 
Federal  law provides important  protections  to members of the Armed  Forces and their dependents  relating to extens ions of consum er credit. In general,  the 
cost of consu mer 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 asso ciated with credit insurance premiums ; fees for ancillary products  sold in  connection 
with the credit transaction;  any application fee charged (other than certain applica tion fees  for spec ified credit trans actions or  accounts); and any partic ipation 
fee charged (other  than certain participatio n fees for a credit card acco unt). 
Additionally, if any clau se in your Cardmember Agreeme nt with us conflicts with the fe deral law prot ections aff orded to members of the Armed Force s, including 
any prov ision related to mandatory  arbitrati on, fe deral law will prevail. 
If you would like to receiv e this M ilitary Lending Act disc losure orally, pl ease call 1 - 877- 925- 8666.  Page 4 of 5 REWARDS PROGRAM TERMS AND CONDITIONS  
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 Credit Card. You will receive complete Program terms and conditions with your account opening materials if your application is approved.  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 disputed it ems 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, after cash back rewards are awarded, Purchases are subsequently subject to a refund, credit or dispute. We reserve the right to retroactively correct errors made 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 $100 introductory cash back rewards bonus following your first $1,000 in Purchases made within 3 months of account opening. This  $100 cash back rewards bonus will post to your reward balance within 8 weeks after the close of your third billing cycle. You a re limited to one introductor y 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 t wo  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 addition al payment on your account. You are still required to make your regular monthly account payments as indicated on your monthly statements. Statement credits will post to your 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 savings account withi n 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 into a non- U
 nion Bank checking or savings account, the deposit will post to your checking or savings account withi n 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, and ar e 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 o ccur 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 hav e 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.  DISQUALIFICATION/TERMINATION  If the account does not remain in good standing, you will not earn future cash back rewards, cannot redeem cash b ack rewards, and you will forfeit any accumulated cash back rewards previously earned. An account is in good standing when no event has occurred that allows us to require immediate paym ent of your entire balance under the Agreement, including, without limitation, failing to make the minimum payment when due, having a payment to us deni ed, 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 clos e 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 su ch 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.  
�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 Bank Freely  Rewards Visa Car d (CBF/CEC15ALL) - Web 07/22 
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