Summary of Credit Terms 
PLEASE  NOTE:  If  you  apply  for  the  Union  Bank®  Visa  Rewards  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 ® Visa 
Signature® Rewards Card. 
Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

14.99% to 24.99%, 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 billing cycles that your Account is open. 

After that, your APR will be 14.99% to 24.99%, based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

26.25%. 

This APR will vary with the market based on the Prime Rate. 

Penalty APR and When it 
Applies 

Up to 29.99%, based on your creditworthiness.  

This APR will vary with the market based on the Prime Rate. 

This APR may be applied to your account if you: 

1) Make a late payment; 
2) Make a payment that is returned; or 
3) Exceed your credit limit. 

How Long Will the Penalty APR Apply? If your APRs are increased for any of 
these reasons, the Penalty APR may apply indefinitely. 

Your due date is at least 21 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. 

Paying Interest 

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 Transfer 

None 

Introductory fee of either $10 or 3% of the amount of each transfer, whichever is 
greater, for balance transfers made in the first 12 billing cycles. After that, either $10 or 
5% of the amount of each transfer, whichever is greater. 

  Cash Advance 

Either $15 or 5% of the amount of each cash advance, whichever is greater. 

  Foreign Transaction 

3% of each transaction in U.S. Dollars. 

Penalty Fees 

  Late Payment 

Up to $37. 

  Over-the-Credit Limit 

None 

  Returned Payment  

Up to $35. 

SEE BACK OF PAGE for more important information about your account. 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."  

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment. 

The rates in this table may have changed since the table was last updated. 

Page 1 of 12 

 
 
 
  
 
 
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  http://www.dfs.ny.gov  for  free  information  on  comparative  credit  card  rates,  fees  and  grace 
periods. 

ADDITIONAL TERMS & CONDITIONS 
If  an  account  is  opened,  you  will  receive  a  Cardmember  Agreement  with  your  card(s).  You  agree  to  the  terms  of  this 
agreement by: using the account or any card, authorizing their use, or making any payment on the account.  We have the 
right  to  change  the  account  terms  (including  the  APRs)  in  accordance  with  your  Cardmember  Agreement.  We 
reserve the right to change the benefit features associated  with  your card at any time. Complete Terms and Conditions 
will be provided to you when you become an approved Cardmember. Cards are issued and serviced by Union Bank Card 
Services, a division 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, the USA PATRIOT Act requires all financial institutions to obtain, 
verify,  and record information that identifies each person (including  business entities) who  opens an  account. What this 
means  for  you:  When  you  open  an  account,  we  will  ask  for  your  name,  physical  address,  date  of  birth,  and  other 
information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. 
We will let you know if additional information is required. 

CREDIT REPORT AUTHORIZATION: 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 obtained a report 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, artificial or prerecorded voice messages 
and  automatic  dialing  technology  for  informational  and  account  servicing  calls,  as  well  as  for  collection  purposes. 
Message and data rates may apply. 

ARBITRATION  NOTICE:  If  you  are  issued  a  credit  card,  your  cardholder  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 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 arbitration. When you receive your 
cardholder agreement, you should read the Claims and Arbitration of Disputes provision in your agreement carefully and 
not accept or use the Card unless you agree to be bound by the arbitration provision. 

BALANCE TRANSFERS: 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. 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 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 us or one of our affiliates need 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 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. You should continue to monitor the other accounts that you request a transfer 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  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-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. 

Page 2 of 12 

 
 
 
 
 
 
 
 
OVERDRAFT PROTECTION LINKED TO A UNION BANK CREDIT CARD: By enrolling in Overdraft Protection Linked 
to  a  Union  Bank  Credit  Card,  you  understand  and  agree  that  any  day  in  which  transactions  are  presented  for  payment 
against  your  eligible  linked  Union  Bank  checking  account  for  the  purposes  of  covering  transactions  (including  transfers 
between checking, money  market, and savings  accounts) presented for payment against  insufficient funds,  Union  Bank 
will  advance  funds  from  your  linked  Union  Bank  credit  card.  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 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 request 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  us.  For  example,  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 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. If you do not  have sufficient 
Available Funds in  your credit card account to cover all Items, your linked checking account will be subject to Overdraft 
Fees for any uncovered Items. The total advance amount will appear on the linked checking account statement each day 
an advance is made. Only one checking account may be linked to one credit card account, and both accounts must have 
a common Owner. If  your linked checking account  is  changed to a closed status for any reason,  we may  terminate the 
Overdraft Protection link to the credit card account without notice.  

Overdraft advances and the $10 daily Overdraft Advance Fee will be added to your Overdraft Advance Balance Category 
on your credit card monthly statement and be charged the Overdraft Advance Annual Percentage Rate. Your APR will be 
14.99% to 24.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. No grace 
period will apply when calculating finance charges for overdraft advances. If your linked 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. 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 our All About Personal Accounts & Services Disclosure and Agreement.  

WASHINGTON  STATE  RESIDENTS:  Washington  state  law  against  discrimination  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. 

CALIFORNIA  RESIDENTS:  A  married  applicant  may  apply  for  a  separate  account.  Additionally,  we  may  obtain 
information at any time from the California Department of Motor Vehicles. You agree to waive the address confidentiality 
requirements section of the California Vehicle Code (Section 1808.21). 

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 compliance with this law. 

NOTICE TO MARRIED WISCONSIN APPLICANTS: No provision of any marital property agreement, unilateral statement 
or court decree adversely affects 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  must  furnish  name  and 
address of their spouse to Union Bank at P.O. Box 51442 Los Angeles, CA 90051.  

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, the 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). 

Page 3 of 12 

 
 
 
 
 
 
 
  
 
 
Additionally,  if  any  clause  in  your  account  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. 

REWARDS PROGRAM TERMS AND CONDITIONS 
2017 LIMITED TIME REWARDS OFFER 
The following is a summary of key terms and conditions for the 2017 Limited Time Rewards Offer. The complete terms of 
the  standard  Union  Bank  Rewards  Program  are  available  at  www.unionbank.com/rewardsdetails.  If  your  application  is 
approved,  you  will  receive  with  your  account  opening  materials  copies  of  the  standard  Union  Bank  Rewards  Program 
Terms and Conditions and the 2017 Limited Time Rewards Offer Addendum. 

EARNING POINTS DURING THE 2017 LIMITED TIME REWARDS OFFER: This section describes  when and how you 
will earn rewards points under the 2017 Limited Time Rewards Offer.  

The 2017 Limited Time Rewards Offer is effective on the date your Account is opened and continues through the end of 
the  24th  billing  cycle  (the  “Rewards  Offer  Period.”)  During  the  Rewards  Offer  Period,  you  earn  points  by  making  Net 
Purchases  with  your  credit  card.  You  will  earn  2  points  per  $1  of  new  eligible  Net  Purchases  charged  to  the  card  for 
Rewards Offer Period. There are no annual limits on the points you may earn during the Rewards Offer Period. Points you 
earn during the billing cycle will be added to your points account within seven days after the end of the billing cycle. 

You  will  also  earn  20,000  bonus  reward  points  following  your  first  $2,000  in  Net  Purchases  made  within  your  first  3 
billing cycles of the Rewards Offer Period. These points will post to your rewards point balance within 8 weeks after the 
close of your third billing cycle.  

EARNING POINTS  AFTER THE REWARDS OFFER PERIOD ENDS: You earn points by making “Net Purchases” with 
your credit card. You will earn 1 point per $1 of all new eligible Net Purchases charged to the card each billing cycle. You 
will earn 2 points (consisting of 1 base point and 1 bonus point) for the first $6,000 of Net Purchases made during each 
calendar  year at Grocery  Stores. A “Grocery  Store” is a merchant with the merchant category code (MCC) for “Grocery 
Stores” or “Supermarkets” (MCC 5411), “Dairy Product Stores” (MCC 5451), “Bakeries” (MCC 5462), “Misc. Food Stores 
(convenience stores and specialty markets)” (MCC 5499). Merchants are assigned a merchant category code by payment 
card  processors  based  upon  the  merchant's  primary  line  of  business.  We  do  not  determine  the  MCC  for  a  merchant. 
Whether  a  transaction  is  eligible  for  bonus  points  depends  on  the  MCC  actually  assigned  to  a  merchant.  Purchases 
processed through merchants that do not process transactions under the eligible MCC and purchases processed through 
third-party  payment  accounts  (e.g.  PayPal)  will  not  qualify  to  receive  bonus  rewards.  Please  note  that  superstores, 
discount  stores  and  warehouse  clubs  are  not  included  in  this  list;  grocery  purchases  at  these  merchants  will  not  earn 
bonus  points.  Net  Purchases  at  these  merchants,  including  Net  Purchases  for  grocery  items,  will  earn  only  1  point  per 
$1.00 in Net Purchases. After you make $6,000 in Net Purchases at Grocery Stores in a calendar  year,  you will earn 1 
point for each $1.00 in Net Purchases that you make at Grocery Stores for the remainder of the calendar year. 

“Net Purchases” are authorized, new purchases posted to the Account on or after the day  you activate  your credit card 
Account,  excluding  disputed  billing  items  and  items  that  are  subsequently  subject  to  a  refund  or  credit  (such  as  for 
returned  merchandise).  Points  that  have  been  awarded  may  be  deducted  if,  after  points  are  awarded,  purchases  are 
subsequently subject to a refund, credit or dispute. Net 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. With regard to 
the  points  earned  under  the  Program,  point  awards  are  not  earned  until  they  appear  on  the  Account  statement.  We 
reserve  the  right  to  retroactively  correct  errors  made  in  point  awards.  We  are  solely  responsible  for  determining  which 
transactions are eligible for point earnings and our determination is final. 

Points you earn during the billing cycle will be added to your points account within seven days after the end of the billing 
cycle. 

POINT REDEMPTION: You may redeem points for the following “Rewards”: 

  For  merchandise,  gift  cards/certificates,  travel  (airline,  hotel  and  car  rental),  and  Promotional  Redemptions 
(defined below) based on the point redemption value associated with the Reward, which may vary depending on 
the Reward; 

  For a statement credit to your card Account at a rate of 1 cent per point; 
  For cash back into a Union Bank checking or savings account at a rate of 1.25 cents per point; 
  For a principal reduction payment to your Union Bank mortgage account at a rate of 1.50 cents per point.  

Page 4 of 12 

 
 
 
 
 
 
 
 
 
 
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 point redemption values referenced above.  

When  you  redeem  points  for  a  statement  credit  to  your  card  Account,  the  statement  credit  is  treated  as  an  additional 
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  days.  It  may  not  appear  on  your 
monthly statement for 1 billing cycle. 

When  you  redeem  points  for  cash  back  to  a  Union  Bank  checking  or  savings  account,  the  deposit  will  post  to  your 
checking or savings account within 5 business days. It may not appear on your monthly statement for 1 billing cycle. 

When  you  redeem  points  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  statements.  Principal  reduction 
payments will post to your mortgage account within 5 business days. It may not appear on your monthly statement for 1 
billing cycle. 

We  may  also  provide  additional  redemption  options  from  time  to  time  (“Promotional  Redemptions”).  Promotional 
Redemptions are offered solely in our discretion, are not guaranteed, and are subject to any limits that we may impose. 
Promotional Redemptions may be withdrawn at any time without notice.  

The amount of points redeemed for a Reward will be subtracted from your point balance. We may, in our discretion, set a 
minimum or a maximum number of points 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  Rewards  are  subject  to  availability.  We  may  withdraw,  change  or  replace  any  Reward  item.  We  may  also 
change  the  number  of  points  required  to  redeem  a Reward,  at  any  time  and  without  prior  notice  to  you.  All  redemption 
transactions  are  final.  There  are  no  refunds,  exchanges,  replacements  or  conversions  for  currency,  credits,  points,  or 
Rewards.  Point  redemptions  for  Rewards  may  be  subject  to  shipping,  handling  or  other  fees,  and  shipping  restrictions 
may apply. 

The merchants participating in the Program are not affiliated with us nor are these merchants considered sponsors or co-
sponsors of the Program. All trademarks are the property of their respective owners. The merchants’ terms and conditions 
apply  to  their  respective  gift  cards/certificates,  merchandise  and/or  services.  Upon  receiving  your  Rewards,  see  each 
merchant’s specific terms and conditions for complete details, which are subject to change by the merchants at their sole 
discretion from time to time, subject to applicable law. 

POINT  EXPIRATION:  Points  are  redeemed  on  a  first-in,  first-out  basis  and  points  will  expire  on  or  after  the  third 
anniversary of when they were awarded. 

CHANGES: We reserve the right to change these Terms and Conditions and to limit, modify, delete or otherwise change 
any aspect of the Program and its rules, restrictions, benefits or features, in whole or in part, including but not limited to 
suspending or terminating all or part of the Program, with or without prior notice (except where required by law).  Changes 
may have a retroactive effect. Point redemption amounts may change at any time. 

DISQUALIFICATION / TERMINATION: If the Account does not remain in good standing, you will not earn future points, 
cannot  redeem  points,  and  you  will  forfeit  any  accumulated  points  previously  awarded.  An  Account  is  in  good  standing 
when no event has occurred that allows us to require immediate payment of your entire balance under the Cardmember 
Agreement, including, without limitation, failing to make the minimum payment when due, having a payment to us denied, 
providing us false or misleading information, or violating the Cardmember Agreement or any other agreement with us. 

We reserve the right to disqualify or remove any person or Account from participation in the Program, refuse to award or 
redeem points, 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 such a disqualification is temporary, it may result in the forfeiture of 
any accumulated points. If such a disqualification is permanent, it will result in the forfeiture of any accumulated points. 
Closing your Account (by you or by us) will result in the termination of your enrollment in the Program and any 
accumulated points will be forfeited.

Cards are issued and serviced by Union Bank Card Services, a division of MUFG 
Union Bank, N.A.  

©2017 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 Rewards Visa Card – In Branch Consumer 2017 Limited Time Rewards Offer 10/17  

Page 5 of 12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Page 6 of 12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Bank Copy 
Summary of Credit Terms 

PLEASE NOTE: If you apply for the Union Bank® Visa Rewards 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 ® Visa 
Signature® Rewards Card. 
Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

14.99% to 24.99%, 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 billing cycles that your Account is open. 

After that, your APR will be 14.99% to 24.99%, based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

26.25%. 

This APR will vary with the market based on the Prime Rate. 

Penalty APR and When it 
Applies 

Up to 29.99%, based on your creditworthiness.  

This APR will vary with the market based on the Prime Rate. 

This APR may be applied to your account if you: 

1) Make a late payment; 
2) Make a payment that is returned; or 
3) Exceed your credit limit. 

How Long Will the Penalty APR Apply? If your APRs are increased for any of 
these reasons, the Penalty APR may apply indefinitely. 

Your due date is at least 21 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. 

Paying Interest 

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 Transfer 

None 

Introductory fee of either $10 or 3% of the amount of each transfer, whichever is 
greater, for balance transfers made in the first 12 billing cycles. After that, either $10 or 
5% of the amount of each transfer, whichever is greater. 

  Cash Advance 

Either $15 or 5% of the amount of each cash advance, whichever is greater. 

  Foreign Transaction 

3% of each transaction in U.S. Dollars. 

Penalty Fees 

  Late Payment 

Up to $37. 

  Over-the-Credit Limit 

None 

  Returned Payment  

Up to $35. 

SEE BACK OF PAGE for more important information about your account. 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."  

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment. 

The rates in this table may have changed since the table was last updated. 

Page 7 of 12 

 
 
 
  
 
 
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  http://www.dfs.ny.gov  for  free  information  on  comparative  credit  card  rates,  fees  and  grace 
periods. 

ADDITIONAL TERMS & CONDITIONS 
If  an  account  is  opened,  you  will  receive  a  Cardmember  Agreement  with  your  card(s).  You  agree  to  the  terms  of  this 
agreement by: using the account or any card, authorizing their use, or making any payment on the account.  We have the 
right  to  change  the  account  terms  (including  the  APRs)  in  accordance  with  your  Cardmember  Agreement.  We 
reserve the right to change the benefit features associated  with  your card at any time.  Complete Terms and Conditions 
will be provided to you when you become an approved Cardmember. Cards are issued and serviced by Union Bank Card 
Services, a division 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, the USA PATRIOT Act requires all financial institutions to obtain, 
verify,  and record information that identifies each person (including  business entities) who  opens an  account. What this 
means  for  you:  When  you  open  an  account,  we  will  ask  for  your  name,  physical  address,  date  of  birth,  and  other 
information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. 
We will let you know if additional information is required. 

CREDIT REPORT AUTHORIZATION: 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 obtained a report 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, artificial or prerecorded voice messages 
and  automatic  dialing  technology  for  informational  and  account  servicing  calls,  as  well  as  for  collection  purposes. 
Message and data rates may apply. 

ARBITRATION  NOTICE:  If  you  are  issued  a  credit  card,  your  cardholder  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 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 arbitration. When you receive your 
cardholder agreement, you should read the Claims and Arbitration of Disputes provision in your agreement carefully and 
not accept or use the Card unless you agree to be bound by the arbitration provision. 

BALANCE TRANSFERS: 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. 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 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 us or one of our affiliates need 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 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. You should continue to monitor the other accounts that you request a transfer 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  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-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  understand  and  agree  that  any  day  in  which  transactions  are  presented  for  payment 

Page 8 of 12 

 
 
 
 
 
 
 
against  your  eligible  linked  Union  Bank  checking  account  for  the  purposes  of  covering  transactions  (including  transfers 
between checking, money  market, and savings  accounts) presented for payment against  insufficient funds,  Union  Bank 
will  advance  funds  from  your  linked  Union  Bank  credit  card.  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 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 request 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  us.  For  example,  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 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. If you do not  have sufficient 
Available Funds in  your credit card account to cover all Items, your linked checking account will be subject to Overdraft 
Fees for any uncovered Items. The total advance amount will appear on the linked checking account statement each day 
an advance is made. Only one checking account may be linked to one credit card account, and both accounts must have 
a common Owner. If  your linked checking account  is  changed to a closed status for any reason,  we may  terminate the 
Overdraft Protection link to the credit card account without notice.  

Overdraft advances and the $10 daily Overdraft Advance Fee will be added to your Overdraft Advance Balance Category 
on your credit card monthly statement and be charged the Overdraft Advance Annual Percentage Rate. Your APR will be 
14.99% to 24.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. No grace 
period will apply when calculating finance charges for overdraft advances. If your linked 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. 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 our All About Personal Accounts & Services Disclosure and Agreement.  

WASHINGTON  STATE  RESIDENTS:  Washington  state  law  against  discrimination  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. 

CALIFORNIA  RESIDENTS:  A  married  applicant  may  apply  for  a  separate  account.  Additionally,  we  may  obtain 
information at any time from the California Department of Motor Vehicles. You agree to waive the address confidentiality 
requirements section of the California Vehicle Code (Section 1808.21). 

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 compliance with this law. 

NOTICE TO MARRIED WISCONSIN APPLICANTS: No provision of any marital property agreement, unilateral statement 
or court decree adversely affects 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  must  furnish  name  and 
address of their spouse to Union Bank at P.O. Box 51442 Los Angeles, CA 90051.  
. 
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, the 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  account  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. 

Page 9 of 12 

 
 
 
 
 
 
 
  
 
 
If you would like to receive this Military Lending Act disclosure orally, please call 1-877-925-8666. 

REWARDS PROGRAM TERMS AND CONDITIONS 
2017 LIMITED TIME REWARDS OFFER 
The following is a summary of key terms and conditions for the 2017 Limited Time Rewards Offer. The complete terms of 
the  standard  Union  Bank  Rewards  Program  are  available  at  www.unionbank.com/rewardsdetails.  If  your  application  is 
approved,  you  will  receive  with  your  account  opening  materials  copies  of  the  standard  Union  Bank  Rewards  Program 
Terms and Conditions and the 2017 Limited Time Rewards Offer Addendum. 

EARNING POINTS DURING THE 2017 LIMITED TIME REWARDS OFFER: This section describes when and how you 
will earn rewards points under the 2017 Limited Time Rewards Offer.  

The 2017 Limited Time Rewards Offer is effective on the date your Account is opened and continues through the end of 
the  24th  billing  cycle  (the  “Rewards  Offer  Period.”)  During  the  Rewards  Offer  Period,  you  earn  points  by  making  Net 
Purchases  with  your  credit  card.  You  will  earn  2  points  per  $1  of  new  eligible  Net  Purchases  charged  to  the  card  for 
Rewards Offer Period. There are no annual limits on the points you may earn during the Rewards Offer Period. Points you 
earn during the billing cycle will be added to your points account within seven days after the end of the billing cycle. 

You  will  also  earn  20,000  bonus  reward  points  following  your  first  $2,000  in  Net  Purchases  made  within  your  first  3 
billing cycles of the Rewards Offer Period. These points will post to your rewards point balance within 8 weeks after the 
close of your third billing cycle.  

EARNING POINTS  AFTER THE REWARDS OFFER PERIOD ENDS: You earn points by making “Net Purchases” with 
your credit card. You will earn 1 point per $1 of all new eligible Net Purchases charged to the card each billing cycle. You 
will earn 2 points (consisting of 1 base point and 1 bonus point) for the first $6,000 of Net Purchases made during each 
calendar  year at Grocery  Stores. A “Grocery  Store” is a merchant with the merchant category code (MCC) for “Grocery 
Stores” or “Supermarkets” (MCC 5411), “Dairy Product Stores” (MCC 5451), “Bakeries” (MCC 5462), “Misc. Food Stores 
(convenience stores and specialty markets)” (MCC 5499). Merchants are assigned a merchant category code by payment 
card  processors  based  upon  the  merchant's  primary  line  of  business.  We  do  not  determine  the  MCC  for  a  merchant. 
Whether  a  transaction  is  eligible  for  bonus  points  depends  on  the  MCC  actually  assigned  to  a  merchant.  Purchases 
processed through merchants that do not process transactions under the eligible MCC and purchases processed through 
third-party  payment  accounts  (e.g.  PayPal)  will  not  qualify  to  receive  bonus  rewards.  Please  note  that  superstores, 
discount  stores  and  warehouse  clubs  are  not  included  in  this  list;  grocery  purchases  at  these  merchants  will  not  earn 
bonus  points.  Net  Purchases  at  these  merchants,  including  Net  Purchases  for  grocery  items,  will  earn  only  1  point  per 
$1.00 in Net Purchases. After you make $6,000 in Net Purchases at Grocery Stores in a calendar  year,  you will earn 1 
point for each $1.00 in Net Purchases that you make at Grocery Stores for the remainder of the calendar year. 

“Net Purchases” are authorized, new purchases posted to the Account on or after the day  you activate  your credit card 
Account,  excluding  disputed  billing  items  and  items  that  are  subsequently  subject  to  a  refund  or  credit  (such  as  for 
returned  merchandise).  Points  that  have  been  awarded  may  be  deducted  if,  after  points  are  awarded,  purchases  are 
subsequently subject to a refund, credit or dispute. Net 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. With regard to 
the  points  earned  under  the  Program,  point  awards  are  not  earned  until  they  appear  on  the  Account  statement.  We 
reserve  the  right  to  retroactively  correct  errors  made  in  point  awards.  We  are  solely  responsible  for  determining  which 
transactions are eligible for point earnings and our determination is final. 

Points you earn during the billing cycle will be added to your points account within seven days after the end of the billing 
cycle. 

POINT REDEMPTION: You may redeem points for the following “Rewards”: 

  For  merchandise,  gift  cards/certificates,  travel  (airline,  hotel  and  car  rental),  and  Promotional  Redemptions 
(defined below) based on the point redemption value associated with the Reward, which may vary depending 
on the Reward; 

  For a statement credit to your card Account at a rate of 1 cent per point; 
  For cash back into a Union Bank checking or savings account at a rate of 1.25 cents per point; 
  For a principal reduction payment to your Union Bank mortgage account at a rate of 1.50 cents per point.  

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 point redemption values referenced above.  

Page 10 of 12 

 
 
 
 
 
 
 
 
 
 
When  you  redeem  points  for  a  statement  credit  to  your  card  Account,  the  statement  credit  is  treated  as  an  additional 
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  days.  It  may  not  appear  on  your 
monthly statement for 1 billing cycle. 

When  you  redeem  points  for  cash  back  to  a  Union  Bank  checking  or  savings  account,  the  deposit  will  post  to  your 
checking or savings account within 5 business days. It may not appear on your monthly statement for 1 billing cycle. 

When  you  redeem  points  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  statements.  Principal  reduction 
payments will post to your mortgage account within 5 business days. It may not appear on your monthly statement for 1 
billing cycle. 

We  may  also  provide  additional  redemption  options  from  time  to  time  (“Promotional  Redemptions”).  Promotional 
Redemptions are offered solely in our discretion, are not guaranteed, and are subject to any limits that we may impose. 
Promotional Redemptions may be withdrawn at any time without notice.  

The amount of points redeemed for a Reward will be subtracted from your point balance. We may, in our discretion, set a 
minimum or a maximum number of points 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  Rewards  are  subject  to  availability.  We  may  withdraw,  change  or  replace  any  Reward  item.  We  may  also 
change  the  number  of  points  required  to  redeem  a Reward,  at  any  time  and  without  prior  notice  to  you.  All  redemption 
transactions  are  final.  There  are  no  refunds,  exchanges,  replacements  or  conversions  for  currency,  credits,  points,  or 
Rewards.  Point  redemptions  for  Rewards  may  be  subject  to  shipping,  handling  or  other  fees,  and  shipping  restrictions 
may apply. 

The merchants participating in the Program are not affiliated with us nor are these merchants considered sponsors or co-
sponsors of the Program. All trademarks are the property of their respective owners. The merchants’ terms and conditions 
apply  to  their  respective  gift  cards/certificates,  merchandise  and/or  services.  Upon  receiving  your  Rewards,  see  each 
merchant’s specific terms and conditions for complete details, which are subject to change by the merchants at their sole 
discretion from time to time, subject to applicable law. 

POINT  EXPIRATION:  Points  are  redeemed  on  a  first-in,  first-out  basis  and  points  will  expire  on  or  after  the  third 
anniversary of when they were awarded. 

CHANGES: We reserve the right to change these Terms and Conditions and to limit, modify, delete or otherwise change 
any aspect of the Program and its rules, restrictions, benefits or features, in whole or in part, including but not limited to 
suspending or terminating all or part of the Program, with or without prior notice (except where required by law).  Changes 
may have a retroactive effect. Point redemption amounts may change at any time.  

DISQUALIFICATION / TERMINATION: If the Account does not remain in good standing, you will not earn future points, 
cannot  redeem  points,  and  you  will  forfeit  any  accumulated  points  previously  awarded.  An  Account  is  in  good  standing 
when no event has occurred that allows us to require immediate payment of your entire balance under the Cardmember 
Agreement, including, without limitation, failing to make the minimum payment when due, having a payment to us denied, 
providing us false or misleading information, or violating the Cardmember Agreement or any other agreement with us. 

We reserve the right to disqualify or remove any person or Account from participation in the Program, refuse to award or 
redeem points, 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 such a disqualification is temporary, it may result in the forfeiture of 
any  accumulated points. If such a disqualification  is permanent, it  will result  in the forfeiture of any  accumulated points. 
Closing  your  Account  (by  you  or  by  us)  will  result  in  the  termination  of  your  enrollment  in  the  Program  and  any 
accumulated points will be forfeited. 

CUSTOMER ACKNOWLEDGMENT:  
Upon submission of your application, you acknowledge receipt of a copy of the Summary of Credit Terms and agree to its 
terms and conditions stated above. 

__________________________________________________ 
Customer Signature 

___________________________  
Date 

____________ Initial here if you have requested enrollment in Overdraft Protection linked to a Union Bank Credit Card. 

Page 11 of 12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BANK USE ONLY 

Customer Name: ______________________________________________________________________________ 

Customer Checking Account # Linked for Overdraft Protection: _________________________________________ 

Customer Social Security Number: ________________________________________________________________ 

Scan  the  document  in  Encapture  by  selecting  “Credit  Card”  in  the  drop  down  menu.    DO  NOT  use  the  virtual 
coversheet method. 

Cards are issued and serviced by Union Bank Card Services, a division of MUFG 
Union Bank, N.A.  

©2017 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 Rewards Visa Card – In Branch Consumer 2017 Limited Time Rewards Offer 10/17 

Page 12 of 12