Cardmember Agreement,  
Disclosure Statement and  
Security Agreement

This booklet 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.

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
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.  Claims and Arbitration of disputes 
15.  Your billing rights as a cardmember 
16.  Liability for unauthorized use

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.” These detailed definitions help us avoid repeating long terms over and over again—
which helps make the document easier to read.

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.

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. The terms “we”, 
“us”, “our” and “MUFG Union Bank” mean MUFG Union Bank, N.A. 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 
Paragraph 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

“Special 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 
Special 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.  If 
you ask us to issue a card to someone, you are responsible for 
their charges until you return their card to us or until you notify us 
that use of their card is no longer authorized, whichever occurs 
first. 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 authorities in identifying the unauthorized 
user. 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. 
We  will  consider  additional  deposits  to  your  Deposit  Account 
to  be  requests  to  increase  your  credit  limit  by  the  amount  of 
the  deposit,  rounded  down  to  the  nearest  $50.  We  are  not, 
however,  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. 

PAYMENTS: 

(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 from time to time. 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 be posted to your account until a 
billing cycle occurring after 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 
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.

RATE  INCREASES  DUE  TO  TRIGGERING  EVENTS:  We  may 
increase any or all of your Introductory or Special Offer Annual 
Percentage Rates, as permitted by law, if one of these “Triggering 
Events” occurs: (1) you fail to make a minimum payment to us 
when  due;  (2)  you  make  a  transaction  which  causes  your 
balance  to  exceed  your  credit  limit  with  us;  or  (3)  you  make  a 
payment to us that is dishonored, returned unpaid, or reversed 
by  the  paying  institution  for  any  reason.  If  we  increase  your 
rates due to a Triggering Event, we may determine the amount 
of the increase based on how you have handled your account 
with  us  and  current  and  historical  information  regarding  your 
credit in general. We will give you a notice of the increase. The 
highest rate that may apply because of a Triggering Event will 
be the Penalty Rate(s) shown on the Summary of Credit Terms. 
Increased  rates  will  not  apply  to  balances  that  you  incur  prior 
to  or  within  14  days  after  we  provide  the  notice  of  increase. 
Increased  rates  due  to  Triggering  Events  may  not  occur  prior 
to the first anniversary of opening your account. Rate increases 
may remain in effect indefinitely. 

RATE  INCREASES  IF  YOU  ARE  60  DAYS  LATE:  If  we  do  not 
receive  your  required  minimum  payment  within  60  days  after 
its  due  date  and  you  have  missed  two  consecutive  minimum 
payments, then this will be a Triggering Event and the rules in 
the preceding paragraph apply. However, they are modified as 
follows: (1) increased rates may apply to balances incurred prior 
to and after the notice of increase; (2) increased rates may apply 
before  the  first  anniversary  of  opening  your  account;  and  (3) 
increased rates will cease to apply if we receive six consecutive 
monthly  minimum  payments  on  or  before  their  payment  due 
dates, beginning with the first payment due date following the 
effective date of the increase. When an increased rate ceases 
to apply pursuant to the preceding sentence, the rate in effect 
before the increase will again apply.

5. How we calculate interest charges and the balances 
subject to interest
This section helps explains how we determine the amount of your 
interest  charges  (i.e.,  periodic  rate  finance  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) 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 and if notified, Special Offers. 
It  does  not  apply  to  Balance  Transfers  or  Cash  Advances  or 
Overdraft  Advances.  If  you  choose  to  transfer  an  existing 
balance  from  another  credit  card,  the  grace  period  on  new 
purchases is unavailable until the balance transfer is paid in full.

INTEREST  CHARGES:  Interest  charges  will  be  calculated 
using daily periodic rates which correspond to certain Annual 
Percentage Rates. These rates may be different for Purchases, 
Balance  Transfers,  Cash  Advances,  Overdraft  Advances,  and 
Special 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 (or if your account does 
not have an Introductory Rate), the Preferred Rate(s) for your 
account will be the rate(s) shown on the Summary of Credit 
Terms. Those Preferred 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 (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 Special Offer Balance Category, as applicable, at 
the end of the prior billing cycle). 

We add the amount calculated in accordance with (A) (1) 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 Periodic Rate Finance Charges for that Balance Category, 
except for minor variations due to rounding. 

Billed interest charges shall appear on your statement labeled 
as  “Interest  Charge”  for  each  Balance  Category.  The  Interest 
Charges  for  each  Balance  Category  shall  be  totaled  on  your 
statement  and  listed  as  the  “Total  Interest”.  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 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 in the manner that we select from time to time. 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. 

ANNUAL FEE: If your account has an annual membership fee, it 
is shown on the accompanying 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. 

OTHER  FEES  (such  as  late  payment  and  service  fees):  We  may 
charge additional fees as in effect from time to time as referenced 
below.  The  amount  charged  for  these  fees  is  shown  in  the 
Summary of Credit Terms unless otherwise indicated below. 

  Late  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. 

  Returned  Payment  Fee.  A  returned  payment  fee  may  be 
assessed  as  indicated  on  the  Summary  of  Credit  Terms 
for:  (i)  any  payment  on  your  account  which  is  dishonored 
or  returned  unpaid  for  any  reason  (including  any  payment 
returned  because  it  is  not  signed,  authorized  or  cannot  be 
processed  for  any  reason);  or  (ii)  reversed  by  the  paying 
financial institution for any reason; or (ii) any Balance Transfer, 
Cash  Advance,  Special  Offer  check  or  similar  instrument 
(including electronic form or otherwise) that is dishonored by 
us for any reason or for which we refuse to pay. 

  Stop  Payment  Fee.  A  Stop  Payment  Fee  may  be  assessed 
as  indicated  on  the  Summary  of  Credit  Terms  for  any  stop 
payment  order  you  request  us  to  make.  Stop  Payment  Fees 
will  be  treated  as  purchases  and  added  to  your  Purchases 
Balance.

  Copy Fees and Additional/Replacement Card Fees. We may 
charge  you  a  fee  for  (i)  each  sales  draft  copy  you  request 
(unless the request is related to an actual billing error); (ii) each 
additional  or  replacement  card  requested;  and  (iii)  for  each 
copy of a billing statement that you request. The amounts of 
these fees are set forth in the Summary of Credit Terms. Copy 
Fees  and  Additional/Replacement  Card  Fees  will  be  treated 
as purchases and will be added to your Purchases Balance.
  Expedited  Card  Fees.  We  may  charge  you  a  fee  for  an 
expedited  delivery  of  additional  or  replacement  cards,  as 
specified  in  the  Summary  of  Credit  Terms.  Expedited  Card 
Fees will be treated as purchases and will be added to your 
Purchases Balance.

  Expedited  Payment  Fee.  Subject  to  applicable  law,  we 
may  charge  you  a  fee  for  making  an  expedited  payment  to  
us  which  requires  assistance  from  one  of  our  customer 
service  representatives.  The  amount  of  this  fee  is  set  forth  
in  the  Summary  of  Credit  Terms.  Expedited  Payment  Fees 
will  be  treated  as  purchases  and  will  be  added  to  your 
Purchases Balance.

  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. 

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.  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.

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  nonsufficient  Available  Funds  to  cover  the 
transactions, MUFG Union Bank will attempt to advance funds 
from  your  linked  Union  Bank  credit  card.  Each  Business  Day 
that MUFG 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 MUFG Union Bank branch) 
using  this  service.  If  you  attempt  a  transaction  requiring  real-
time authorization and there are nonsufficient 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  MUFG  Union  Bank, 
MUFG 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 nonsufficient 
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, MUFG 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.

before we receive it (we need not stop payment on checks or 
similar instruments that we issue on your behalf). We may pay 
postdated  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.

8. How account terms may change and certain rights
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. 

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). 

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  Special  Offer 
checks  used  to  make  balance  transfers  will  be  treated  as 
Purchases). To 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 

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:  We  may  call 
(using  live  operators,  automatic  dialing  devices,  or  recorded 
messages)  or  e-mail  you  at  home  or  work  and  those  calls  or 
e-mails  will  not  be  considered  unsolicited.  If  you  provided  a 
cell  phone  number  to  us  on  the  application  for  this  account, 
you  agreed  that  we  may  contact  you  (including  for  collection 
purposes) at that cell phone number. Subject to applicable law, 
we may monitor or record any calls we make or receive. If you 
provide us with an e-mail address, either on the application or 
to a representative or if you send us an e-mail, you agree that 
we may contact you (including for collection purposes) at that 
e-mail address. 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  make  inquiries  of  third  parties  in  connection  with 
maintaining  and  collecting  your  account,  and  you  authorize 
such  third  parties  to  release  information  about  you  to  us.  You 
agree to notify us of any change in your mailing address at least 
ten (10) days before such change. If mailed, notices to you shall 
be  considered  given  when  we  include  the  notice  on  or  with 
your billing statement or when we deposit the notice in the U.S. 
mail addressed to the most recent address we have for you.

12. Transferring your account and laws that govern your 
account with us
This section explains how we may transfer your account and our 
rights  to  other  parties.  It  also  explains  that  you  may  not  transfer 
your rights or duties under the agreement to another person. It also 
identifies the laws that govern your account and this agreement. 

TRANSFERS:  We  may  transfer  all  or  part  of  your  account 
balance, along with our rights under this Agreement, to another 
person  or  entity.  That  person  or  entity  will  then  be  entitled  to 
enforce our rights under this Agreement. You may not transfer 
your rights or obligations under this Agreement.

GOVERNING  LAW:  This  Agreement  (including  restrictions  on 
interest) shall be governed by FEDERAL law and to  the extent 
state law applies, Washington 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.

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. 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,  then  this  entire  provision  shall  be  null  and 
void, and all Claims shall be determined in accordance with 
the  provision  of  this  Agreement  entitled  Resolution  of  Non-
Arbitrable 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  Agreement  is 
governed by California law, the following applies: All Claims that 
are not arbitrable under this Agreement, 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.

If your Agreement 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  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  Claims  that 
are  not  arbitrable  under  this  Agreement,  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 
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 
P.O. 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.
•  Description of problem: If you think there is an error on your 
bill, describe what you believe is wrong and why you believe 
it is a mistake.

You must contact us:

•  Within 60 days after the error appeared on your statement.
•  At least 3 business days before an automated payment is 

scheduled, if you want to stop payment on the amount you 
think is wrong.

You must notify us of any potential errors in writing. You may call 
us, but if you do we are not required to investigate any potential 
errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

(1)  Within  30  days  of  receiving  your  letter,  we  must  tell  you 
that we received your letter. We will also tell you if we have 
already corrected the error.

(2)  Within 90 days of receiving your letter, we must either correct 
the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

•  We cannot try to collect the amount in question, or report you 

as delinquent on that amount.

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:

•  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 

Union Bank 
P.O. 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 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.

responsible for the remainder of your balance.

•  We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the amount in 
question or any interest or other fees related to that amount.
•  If we do not believe there was a mistake: You will have to pay 
the  amount  in  question,  along  with  applicable  interest  and 
fees.  We  will  send  you  a  statement  of  the  amount  you  owe 
and  the  date  payment  is  due.  We  may  then  report  you  as 
delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, 
you  must  write  to  us  within  10  days  telling  us  that  you  still 
refuse to pay. If you do so, we cannot report you as delinquent 
without  also  reporting  that  you  are  questioning  your  bill.  We 
must  tell  you  the  name  of  anyone  to  whom  we  reported  you 
as delinquent, and we must let those organizations know when 
the matter has been settled between us. 

If  we  do  not  follow  all  of  the  rules  above,  you  do  not  have  to 
pay  the  first  $50  of  the  amount  you  question  even  if  your  bill 
is correct. 

©2016 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 

8913123-01 (08/16)

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