Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

19.99%.   

Summary of Credit Terms 

This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers  19.99%  

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 

$25 

  Balance Transfer 

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. 

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. 

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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. 

SECURITY  INTEREST  IN  THE  COLLATERAL  ACCOUNT:  As  a  condition  to  opening  and  maintaining  a  credit  card 
account,  you  will  be  required  to  open  and  maintain  a  deposit  account  with  us  to  hold  the  funds  you  have  provided  as 
collateral (the “Collateral Account”).  The balance in the Collateral Account must  at all times equal at least the amount of 

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the  credit  line  on  your  credit  card  account.    At  the  time  the  Collateral  Account  is  opened,  we  will  provide  you  with  the 
terms and conditions governing the Collateral  Account and all related disclosures (the “Collateral  Account Agreement”).  
In the event of a conflict between the terms and conditions in this section and those of the Collateral Account Agreement, 
these  terms  and  conditions  will  apply  with  respect  to  the  Collateral  Account.  You  grant  us  a  security  interest  in  the 
Collateral Account and in all additions to and proceeds of the Collateral Account.  Our interest in the Collateral Account 
secures your promise to pay for all transactions on the credit card account and any interest, fees and other amounts that 
you  owe  us  under  the  credit  card  account.    You  agree  that,  until  all  amounts  owed  under  the  credit  card  account  have 
been fully paid and the account has been closed (a) you may not withdraw any funds from the Collateral Account, (b) you 
may not to create or permit any other lien or security interest in the Collateral Account or transfer any other interest in the 
Collateral Account for any reason, (c) any attempt to give a security interest or transfer any other interest in the Collateral 
Account will be ineffective and void, and (d) you may not close the Collateral Account.   

We may, in our discretion, close the Collateral Account at any time. Before closing your Collateral Account, we will give 
you  any  notice  required  by  law  or  the  Collateral  Account  Agreement.    If  any  person  other  than  us  seeks  to  assert  an 
interest  in  the  Collateral  Account,  we  may  deem  the  account  balance  immediately  payable  and  apply  the  funds  in  the 
Collateral  Account  to  your  outstanding  account  balance.    We  may  use  the  funds  in  the  Collateral  Account  to  pay  any 
balances  on  your  credit  card  account.  You  agree  that  if  the  credit  card  account  issued  to  you  by  us  is  closed  for  any 
reason, we may apply the funds in this Collateral Account to pay off any balance on the credit card account. If the credit 
card account is closed for any reason, whether by you or us, we may hold funds in this Collateral Account for a minimum 
holding period of sixty  days after the credit card  account balance  is paid in full  and the credit card account is closed  in 
order  to  cover  any  transactions,  fees  or  charges  that may  be  posted  to  the  credit  card  account  after  it  is  closed.  If  any 
funds remain in the Collateral Account after the credit card account balance is paid, we will send the remaining funds to 
you  in  the  manner  provided  by  the  Collateral  Account  Agreement.    If  the  Collateral  Account  is  closed  or  funds  are 
withdrawn  prior  to  any  stated  maturity  date,  we  may  assess  an  early  withdrawal  penalty  as  described  in  the  Collateral 
Account Agreement.  Please refer to your Collateral Account Agreement for complete details regarding penalties for early 
withdrawals. 

The foregoing security interest in the Collateral Account is in addition to, and does not impair or affect, any waiver of any 
set off or other rights that we have or may have, now or hereafter, with respect to the Collateral Account.   

OVERDRAFT PROTECTION LINKED TO A UNION BANK CREDIT CARD: If your card application is approved, you 
can choose to enroll in overdraft protection by speaking to a branch representative. 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 
19.99%. 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 
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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. 

If you would like to receive this Military Lending Act disclosure orally, please call 1-877-925-8666. 

                                  Union Bank Secured Visa Card – Web  10/17 

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