Summary of Credit Terms 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

20.99% 

This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

20.99% 

This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

27.25%. 

Penalty APR and When it 
Applies 

This APR will vary with the market based on the Prime Rate. 

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. 

Paying Interest 

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. 

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 balance 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 
•  Over-the-Credit Limit 
•  Returned Payment  

Up to $37. 
None 
Up to $35. 

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.  

SEE BACK OF PAGE for more important information about your account. 

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ADDITIONAL TERMS & CONDITIONS 

If an account is opened, you will receive a Cardmember Agreement (“Agreement”) with your card(s).  You agree to the terms of this Agreement by: using 
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 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 for other 
identifying documents.  We will let you know if additional information is required.   

CREDIT REPORT AUTHORIZATION 

By submitting an application for credit, you authorize us to obtain credit bureau reports that we will use when considering your application for credit.  You 
also authorize us to obtain credit bureau reports and any other information about you in connection with the extensions of 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  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  Agreement,  you  should  read  the  Resolution  of  Claims  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 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 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 

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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 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  

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 sufficient Available Credit on the credit card account to cover 
at least that additional Item.  If you do not have sufficient Available Credit on 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 Linked to a Union Bank Credit Card service 
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 20.99%.  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 credit card 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 Personal Accounts & 
Services Disclosure and Agreement.   

OTHER DISCLOSURES 

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.   

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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.   

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.   

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 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. 

Cards are issued and serviced by Union Bank Card Services, a division of MUFG Union Bank, N.A. 

©2018 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 Secured Visa Card (CSC) – Web 9/18 

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