Page 1 of 5 Summary of Credit Terms - Union Bank Preferred Rewards Visa Card 
PLEASE NOTE: If you apply for the Union Bank� Preferred Rewar ds� Visa� Card and meet our eligibility criteria for the Visa Signature� Card, y ou agree that we may 
consider your application as one for (and upgrade you to)  the Union Bank Preferred Rewards  Visa Signature Card. 
The rates below reflect the 6/16/22 Prime Rate increase that we will implement on 7/20/22. For accounts opened through 7/19/22, the Summary of Credit 
Terms with your new card will not reflect the increased rate. For accounts opened after 7/19/22, the Summary of Credit Terms will reflect the increased rate.
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases 0.00% Introductory APR for the first 12 months that your account is open.
After that, your APR will be15.49% to 25.49%, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 
APR for Balance Transfers 0.00% Introductory APR for the first 12 months that your account is open.  
After that, your APR will be 15.49% to 25.49%, based on your 
creditworthiness. T his A PR will vary with the market based on the Prime Rate. 
APR for Cash Advances 26.75%. 
This APR will vary with the market based on the Prime Rate.  
Penalty APR None 
Paying Interest Your due date is at least 21 calendar days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. 
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.75.  
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
 
Fees  
Annual Fee None 
Transaction Fees  
�Balance Transfer Either $10 or 3% of the amount of each balance transfer, whichever is greater.  
�Cash AdvanceEither $15 or 5% of the amount of each cash advance, whichever is greater.  
�Foreign Transaction3% of each transaction in U.S. dollars. 
Penalty Fees  
�Late Payment Up to $37. 
�Over-the-Credit LimitNone 
�Returned PaymentUp to $35. 
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 
The information about the costs of the card described in this application is accurate as of 07/20/20 22. This information 
may h ave c hang ed after that date. To find out what may have changed, please call us at 877-505-678 9. 
SEE BACK OF PAGE for more important information about your account.  Page 2 of 5 ADDITIONAL TERMS & CONDITIONS 
If an account is opened, you will receiv e a Cardmember Agreement (�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 acc ount. We have the right to change the account terms (including the APRs) in accordanc e with your Agreement. We reserve the right to change the benefit features  ass ociated with your car d at any time. Complete terms and conditions will be provided to yo u when yo u bec ome an approved cardmember. Cards are iss ued 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 governm ent fight the fundi ng of terrorism and money laundering ac tivities, Federal law requires all financial ins titutions to obtain, verify, and record information that i dentifies each person and/or entity that opens an account; and What this means to y ou: When y ou open an account, w e will ask  for your name, address, date of birth (for individuals) and other information that will allow us to i dentify you. We may also ask to s ee y our driver�s license or other identifying documents. 
CREDIT REPORT AUTHORIZATION 
By submitting an applicati on for credit, you authorize us to obtain credit bureau reports that we will use w hen consi dering y our application for cr edit. You also authorize us to obtain credit bureau reports and any other information about yo u in connection with the ex tensions of credit on your account and the administration, revi ew 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 a telephone number, includi ng but not limited to a cellul ar (mobile) telephone number, you agree that we (including c ompanies w orking on our behalf) have your express consent to c ontact yo u or the Company at the number provided about any of the Company�s Union Bank accounts , and that we may  use text messaging, artificial or prerecorded voic e mess ages and automatic dialing technology to call y ou for any non -telemarketi ng pur pos e, including but not limited to informati onal, account servicing, and collection calls. Message and data rates may apply. You also agree that by provi ding your email address, we hav e your permission to contact you through your email address to notify you of progress on y our application, pr ovide important account information, to let you know about other products and services. 
ARBITRATION NOTICE 
If you ar e issued a credit car d, your Agreement will contai n a binding arbitration provision. In the event of  any dispute rel ating to your acc ount, the dispute will be res olved by bindi ng arbitration pursuant to the r ules of the Am erican Arbitr ation Associ ation or JAMS/Endispute. Both y ou and we agree to waive the right to go to c ourt or  to have the dispute hear d by a j ury (exc ept as  to any  collec tion ac tivities on your acc ount ). You and we will be waiving any  right to a jury  trial and y ou also would not hav e the right to participate as a part of a class  of cl aimants  relati ng to any  disp ute with us. Other rights availabl e to you in court may also be unavailable i n arbitr ation. When y ou r eceive your Agreement, y ou s hould read the Res olution of C laims by Arbitration provision in your Agreement carefully and not accept or use the Card unless you agree to be bound by the arbitration provision.  
BALANCE TRANSFERS 
If you are issued a credit card, you authorize us to make one or more of the balance transfers that yo u have requested from credit ca rd accounts or other  types of accounts with other financial institutions . Bal anc e Trans fers cannot be used to pay off or pay down any Union Ban k credit card, either opened in your name or any other person. All balance transfer requests are subject to our approval; we are not liable if we do not ma ke a reques ted balance t ran sfe r. 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 proc ess a partial trans fer for less than yo u reques ted or we may decline the entire request. In additi on, trans fer requests that are inc omplete, illegible or reques ted to cas h, to y ourself or to another account with us or on e of our affiliates may not be process ed. You should not transfer any amount that is in dispute in order to pres erve your dispute rights. When yo u transfer a balance from another account, we send a payment in t
he amount of the balance transfer to the other financial institution. We have no c ontrol over, and are not responsibl e for, how and when the other financial instituti on applies the payment. You are responsibl e for verifying that the other financial in st itu t ion applies the balance transfer payment in accordanc e with your other account�s terms. You should continue to monitor the other accounts that you r equested us to send the proceeds  of the balance transfer to, and yo u should continue to pay the minimum payments due on those accounts  until you re ce ive statements from those creditors showing that the balanc es due them have been pai d in full. This might not happen until after the balance tr ansfer appears on your billing statement from us. You are liable for any late payments, financ e charges or disputed am ounts on your other accounts. We do not send instructions  to the other financial institution to cl ose your  other  account. If y ou want the other account to be clos ed, you mus t do that yourself. Balance transfers are subj ect to applicable fees and finance char ges and do not have the benefit of a grace period. If you take advantag e 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  ne w 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 
Service is limited to c overing one pers onal  checking acc ount link ed to one personal  Union Bank  credit card, and both acc ounts  mus t have a common owner. 
By enrolling in Over draft Protection Link ed to a Uni on Bank Credit Card, you authorize the Bank to mak e advances  on your Unio n Bank Credit Card (subject to your available credit) in order to cover transactions (including transfers between checking, money market, and s avings accounts) pres ented for payment against insufficient funds. We will not authorize tr ansac tions  requiring real-time authorization (such as ATM withdrawals, ATM or D ebit Ca rd Purchases, and cash withdrawals in a Union Bank branch) using this service. If you attempt a transaction requiring real-time authorization and there are  Page 3 of 5 insufficient  availab le funds  in the linked  check ing account,  the transact ion will be declined. Activation  of the Overdraf t Protect ion service may take up to 5 
business days following  the approval  of a new credit card account;  for customers  with an exist ing open credit card account,  it may take up to 5 business 
days fr om the initial request  to enroll  in the Overdraft  Protection  service. 
Each busi ness day that we determine that your linked checking account is overdra wn by any amoun t, you aut horize us to ma ke an Ove rdraft Advance 
equal  to a) $50,  or b) the next highest  multiple  of $50 that will equal or exceed the linked  checking account overdraft, as determine d by us. For example, 
if we determine that your linked  checking account is overdra wn by $125, you unders tand and agree that we may automatica lly make  an Overdraft  Advance 
of $150 from your Union  Bank  Credit  Card  for depos it to your linked checking account.  We will make advances  only once  each  business day. 
Advances  will only be proces sed if at least one transactio n can be covered by  the advanced amount. Any  negative bal ance  from a previous business day 
will not  trigger an advance  unless  another eligible  transactio n is presen ted for paymen t and there is sufficient  available credit on the credit card accou nt to 
cover at least that additional transaction. If you do not have sufficient available credit on your  credit card account to cover all transactions, your 
linked checking account may be subject to fees for any uncovered transactions. The total advance amount will appear on the linked checking account 
statement each day an 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, Union Bank may terminate the Over draft Protect ion 
Linked t o a U nion B ank C redit Card service without n otice. 
Overdraft Advances and the $10 daily Over draft Advance Fee will be added to your Overdraft Advance Balance Category on your credit card 
monthly statement and be charged the Over draft Advance Annual Percentage Rate. Your  APR will be 15.49% to 25.49%, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. No grace period will apply when calculating finance charges for Over draft 
Advances. If your linked credit card account is changed to a closed status for any reason, Union Bank may terminate the Over draft Protection Linked to a 
Union Ba nk Cr edit C ard service without no tice. Yo u ma y cancel this service at an y time. 
Som e accounts may not be eligible f or Overdra ft Protecti on Link ed to a U nion Bank C redit C ard. For more informatio n, see the Union B ank Perso nal 
Accounts & S ervices D isclosure and Agreement . 
OTHER DISCLOSURES 
CALIFORNIA RESIDE NTS: A m arried applicant may apply for a s eparate account. Additionally, we may  obtain inf ormation at any time from the Cal ifornia 
Department of Motor Vehic les. You agree to waive the addr ess con fidentiality req uirements sectio n of the California Vehicle Code (Section 1808. 21). 
NEW Y ORK RESIDENTS may contact the New Y ork Sta te De partme nt of F inancial S ervices by telephone at 1 - 800-342-3736 or visit i ts website at 
www. dfs.ny.gov for f ree information on comparative credit ca rd rates, f ees and gr ace per iods. 
OHIO RESIDENTS: The Ohi o laws  agains t disc riminati on requir e that all c reditors ma ke credit  equally  available to all c reditworth y customers  and that 
credit report ing agencies main tain s eparate c redit histories  on each i ndividual u pon r equest. Th  e Oh io Civ il Rights Commis sion administers  complianc e 
with this law.  
WASHINGTON STATE RE SIDENTS:  Washi ngton st ate law pr ohibits disc riminati on in c redit t ransac tions because of r ace, creed, col or, national or igin, 
sex, or marital status. T he Wash ington St ate Human Rights C ommiss ion administers co mpliance w ith this l aw. 
NOTICE T O MARRIED WISCONSIN APPLICANTS: No prov ision of any m arital pr opert y agreemen t, unilate ral statement or court decre e adversel y 
affect s our interest s and/or right s unless, prior to the time th e credit is gra nted or an o pen-end cre dit pla n is entered in to, we are furnish ed with a co py of the 
agreement, statement , or decree, or  have act ual knowl edge of t he adverse pr ovision. Married Wisconsin residents a pplying for credit separatel y 
must furnish name and address of their spouse to Union Bank at P.O. Box 60398, Phoenix, AZ 85026. 
MILITARY L ENDING ACT 
Federal law prov ides impor tant protecti ons to me mbers of the Armed Forces  and their depe ndent s relating to ext ensions of con sumer cre dit. In g enera l, 
the co st of consu mer credit to a membe r of the Armed Force s and h is or her dep endent ma y not exc eed an annual percen tage r ate of 36 percent. This 
rate must inc lude, as applic able t o the cre dit transactio n or acc ount: The costs associat ed with cre dit in surance premiums; f ees for  ancillar y products sold 
in connection with the credi t transac tion; any applicat ion fee char ged (ot her than certai n applicatio n fees for  specified credit tran sactions or accounts) ; and 
any partic ipation fee charged (ot her than certain partic ipatio n fees for a credit car d account). 
Additi onally, i f any clau se in your Agreeme nt with us conflicts w ith the federal l aw pr otect ions af forded to m embers of t he A rmed F orces, including any 
provision related to mandatory ar bitration, f ederal l aw w ill prevail. 
If you would like to receiv e this Military Lending Act di sclosure orally, pl ease call 1 - 877- 925- 8666.  Page 4 of 5 REWARDS PROGRAM TERMS AND CONDITIONS  
The following is a s ummary of certain key terms and conditions for the U nion Bank R ewards Pr ogram for the U nion Bank Preferred Rewards V i sa Credit Card. You will receive complete Program terms and conditions with your account opening materials if your application is approved.  EARNING REWARD POINTS 
Purchases 
You earn points when you (or your authorized us er) make �Purchas es� of products and services with your credit c ard, excludi ng disputed billing items and items that are subsequently subject to a refund or credit (such as for returned merchandise) (collectively �Purchases�). Purchases do not include: 
a) Annual fees, finance charges and other fees or charges posted by us to the account; 
b) Cash advances (including but not limited to cash received over the amount of Purchases charged to the account, Purchases of money orders or other cash equivalents) or special check transactions; 
c) Balance transfers; 
d) Overdraft advances; 
e) Charges for other products, services, or benefits that we provide (such as credit insurance premiums); or 
f) Other transactions that we determine not to be eligible. Point awards are not earned until they appear on the acc ount statement. Poi nts that have been awarded may be deducted if, aft  er points are awarded, Purchas es are subsequently s ubjec t to a refund, credit or dispute. We reserve the right to r etroactiv ely c orrect errors made in point awards. Points  you  earn during the billing cycle will be added to your reward point balance within 7 days after the end of the billing cycle.  
Introductory Rewards Bonus 
You will earn a 10,000 introductory reward points bonus following y our first $1,000 in Purchases  made within 3 months of account opening. T hese points  will pos t to y our rew ard point balance within 8 weeks  after the clos e of y our third billing cycl e. You ar e limited to one introductory reward points  bonus per card account. 
Digital Wallet Points 
You will earn 5 points (also referred to in marketing materials as �5X points�) (consisti ng of 1 base point and 4 bonus points) for each $1 spent for the first $6,000 of Purchases made during the first 12 months after acc ount opening using Digital Wallets. A �Digital Wallet Purchase� is a purchase made b y tapping to pay at a physical point of sa le usi ng one of 3 digital wallets � Google Pay�, Apple Pay�, Samsung Pay�. After you ma ke $6,000 in Purchas es  during the first 12 months after account opening using Digital Wallets, no further bonus points will be earned, but you will continue to earn 1 point for each $1.00 spent on Purchas es using Digital  Wallets. Digital Wallet Purchases  at Restaurants, Grocery  Stores, and Gas  Stations  earn poi nts as defined for Digital Wallet Purchases and do not earn Restaurant, Grocery Store, or Gas Station bonus points.  
Restaurant Points 
You will earn 3 points (also referred to in marketi ng materials as �3X poi nts�) (consisting of 1 base point and 2 bonus points) for each $1 spent for the first $6,000 of Purchases made during each year (based on your account opening date) at Restaurants. A �Restaurant� is a merchant with the merchant category code (MCC) for �Caterers� (MCC 5811), �Eati ng Places and Restaurants� (MCC 5812), "Drinking Places (Alcoholic Bever ages), Bars, Tav erns , Cocktail Lounges, Nightclubs and Discotheques� (MCC 5813), �Fast F ood R estaurants� (MCC 5814). After you ma ke $6,000 in Purchases at R estaur ants  in a year, you will earn 1 point for each $1.00 spent on Purchases that you make at Restaurants for the remainder of the year. 
Grocery Stores & Gas Stations 
You will earn 2 points (also referred to in marketing materials as �2X points�) (consisting of 1 base point and 1 bonus point) per $1 spent for the first $6,000 of Purchases made during each year (bas ed on your account opening date) at Grocery Stores and Gas Stations. A �Gas Station� is a merchant with the merc hant category code (MCC) for �Service Stations (with or without ancillary services)� (MCC 5541), �Automated Fuel Dispens ers� (MCC 5542). A �Grocery Store� is a m erchant with the m erchant category code (MCC) for �Grocery Stores� or �Supermarkets� (MCC 5411), �Dairy Produc t Stores� (MCC 5451), �Bakeries� (MCC 5462), �Misc. Food Stores (convenienc e stor es and s pecialty markets)� (MCC 5499). After you make $6,000 in Pu rcha ses at Grocery Stores and Gas Stations in a year, yo u will earn 1 point for each $1.00 in Purchases that you ma ke at Grocery Stores and Gas Stations for the remainder of the year. Pleas e note that the MCCs for superstores, discount stores and warehouse cl ubs are not eligible for bonus points, so Purchas es  made at these merchants will only earn 1 point for each $1 spent on Purchases, including grocery items. 
All Other Purchases 
You will earn 1 point (als o referred to in marketi ng materials as �1X points�) for each  $1 spent on all new  eligible Purchas es charged to the c ard eac h billing cycle that are not a Digital Wallet Purchase or from merchants that are not Restaurants, Grocery Stores, or Gas Stati ons. 
Merchant Category Codes & Purchases 
Merchants a re assigned a m erchant category code by payment card pr ocessors 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 ac tually assigned to a merchant. Purchas es processed through merchants  that do not process  transactions  under the eligible MCC and Purchas es proc essed through third -party payment accounts (e.g., PayPal�) will not qualify to receive bonus points. REWARD POINT REDEMPTION You may redeem points for the following:   Page 5 of 5 Cards are issued and serviced by Union Bank Card Services, a division of MUFG Union Bank, N.A.  
Apple, the Apple logo, Apple Pay, Apple Watch, Touch ID, IPhone and IPad are trademarks of Apple Inc. registered in the U.S. and other countries. Google Pay is a trademark of Google, LLC. Google, Google Pay, and the Google Logo are trademarks of Google, LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.  
�2022 MUFG Union Bank, N.A. All rights reserved. Member FDIC.  Union Bank is a registered trademark and brand name of MUFG Union Bank, N.A. unionbank.com  
Union Bank Preferred Rewards Visa Card (CEP/EP5321MR) � Web 07/22 � Merchandise, gift cards/certificates, travel (airline, hotel and car rental), and additional redemption options based on the point redemption value associated with the Reward, which may vary depending on the Reward;
� A statement credit to your card account at a rate of 1 cent per point;
� A deposit into a Union Bank checking or savings account at a rate of 1.25 cents per point;
� 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 checki ng acc ount, savings acc ount, or resid ential mortg age accou nt i n an open status with Union Bank to qualify for the last 
two point redempti on methods refere nced above . 
When yo u re deem points for a st atem ent credit t o yo ur card acc ount, t he st ate ment cr edit is trea ted as an additio nal paym ent  on yo ur acco unt.  You are 
still required to make your regular monthly account payments as indicated on your monthly statements. Statem ent cr edits will post  to your car d 
account within 5 business days. It may not appear on your monthly stateme nt for 1 to 2 billing cycl es.  
When yo u re deem points for a deposit i nto a Uni on B ank ch ecking or sa vings acc ount, t he deposit w ill post  to yo ur ch ecking or sa vings accou nt w ithin 5 
business  days.  
When you redeem  points for a princi pal reductio n paymen t to you r Union  Bank mortg age accou nt,  the payment will be applie d as an extra  principa l payment 
and will not count toward you r regular m onthly payment. You are still required to  make your regular mortgage account payments as indicated on 
your  monthly  mortgage  statements. Principal reduction paym ents will post to your mortgage account  within 5 business days. It may not appear  on your 
mortgage account  monthly statement for 1 to 2 billing  cycles. 
We may also  provi de additional redem ption options from time to time. Redem ption options are off ered solely in our discr etion, are not g uaranteed, and are 
subject  to any  limits that we may impose. Redemptions options may be withdrawn at any time without notice. 
The amount of points red eeme d for a Rewa rd will be subtract ed from your point balance.  We may, in our discr etion , set a minimum or a maximum number 
of points that  you may redeem  in a single  transactio n. We may adjust  this amount  from time to time.  We also may require  that redem ptions occur in round 
increments that we will set in our discr etion  from time to time. All Rewards ar e subj ect to  availability. We may withdraw, chang e 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 trans actions 
are final. There are no refunds, exchanges, replacements  or conversions for currency, credits, points, or Rewards. Point redemptions for Rewards 
maybe s ubject t o shipping, h andling or o ther f ees, a nd shipping restrictions m ay apply. 
The mercha nt s partici pating in the Progra m are not affiliated with  us nor are  these merch ant s co nside red s ponsor s or co-sponsors of the Program.  All 
trademarks are the property of  their respecti ve owners.  The mercha nts�  terms and conditions  apply to their respec tive  gift cards/certificat es,  merchandise 
and/or services. Up on receivi ng your Rewards, se e each merchant�s specific terms and conditions for comp lete details, which are subject to c hange by 
the merchants at  their sole discr etion from time to time,  subject  to applicabl e law. 
REW ARD POINT E XPIRATION 
Points ar e redeemed on a first -in, first-out basi s. Points w ill expire on or af ter the third anniversary  of the date earned. 
PROGRAM CHANG ES 
We reserve the right to cha nge the se Program terms and condit ions with or without prior noti ce (except where re quired by law). Point re dempti on am ounts 
may ch ange a t any time. 
DISQUALIFICATION/TERMINATION 
If the accou nt  does no t remain  in good st andin g, you will not earn future points,  ca nnot  redeem  point s, and you will forfeit any acc umula ted points previ ously 
awarded. An account  is in good st andin g wh en no eve nt has occurre d that allows us to requir e immedia te paymen t of yo ur entire  balance  under  the 
Agreement,  includi ng, without  limitation,  failing  to make the minimum paymen t when due, havin g a paymen t to us denied, providin g us false or misle ading 
information,  or other  reasons descr ib ed in the Rewards Program Terms and Conditions.  
We reserve the right to disqualif y or remove  any perso n or acco unt fro m participati on in the Program , refuse  to awar d or redeem points,  or close  your 
account at any time, for any reason incl udi ng, but not  limited to, yo ur account bei ng inactive (as such term is defined by us from time to time).  If such  a 
disqualification  occurs, it may resul t in the forfei ture of any accumu lated points. Closing  you r account  (by you or by us) will result  in the termin ation of your 
enrollment  in the Program,  and any accumulated points will be forfeited.