Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases 15.49%  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 APR 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 $0 Introductory Annual Fee for the first year. After that, $49. 
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 TransactionNone 
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 07/20/2022. This information 
may have changed 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 1 of 5 Summary of Credit Terms - Union Bank Travel Rewards Visa Card 
PLEASE NOTE: If you apply for the Union Bank� Travel Rewards�  Visa� 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 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. Page 2 of 5 ADDITIONAL TERMS & CONDITIONS 
If an account is opened, you will recei ve a Cardmem ber Agreement (�Agreem ent�) with your card(s).  You agree to t he te rms of th is Agreement by: using 
the ac count or any card, a uthoriz ing their use, or mak ing any payment o n the account. W e have th e right t o cha nge th e account te rms (including t he APRs) 
in accordan ce with your Agreem ent. We res erve the righ t to change the be nefit f eature s associat ed wi th your card at any time . Comple te term s and 
conditi ons will b e prov ided to y ou wh en you be come a n approved cardmember. Car ds ar e issued and serviced by Union Ban k Card Services, a division 
of MUFG Uni on Bank, N.A. 
IMPORTANT INFORMATION ABOUT P ROCEDURES F OR OPENING A NEW ACCOUNT 
To help the govern ment fi ght t he f unding of terroris m and mo ney laundering activ ities, Fe deral law requires all fi nancial insti tutions to obtain, verify, an d 
record informat ion that i dentifies  each pers on and/or entity  that o pens an account;  and W hat this means  to you: When you open an account, we will ask 
for your name,  address , date of birth (for i ndividuals ) and ot her informat ion that will allow us to i dentify yo u. We may al so ask to see your driver� s license 
or other identify ing docume nts. 
CREDIT REPORT AUT HORIZATION 
By submitting an applicat ion for credit, y ou authorize us to ob tain credi t bureau report s that w e will use when considering you r applicat ion for credit. You 
also a uthorize us to ob tain c redit burea u report s and any other inf ormation about you in connecti on with th e extensions of cr edit on y ou r account a nd the 
administrati on, review or collection o f your ac count. If y ou ask, we will tell you the nam e an d address of the cre dit bur eau from which we obtain ed a report 
about you. You also authorize us to verif y your employ ment, incom e and oth er relev ant inf ormation . 
COMMUNICATIO N AUTHORIZATION 
By providing a tele phone number, inc luding but not limited to a cellular (mobile) teleph one number, you agree that we (including companies working on 
our behalf)  have your express  con sent to contact  you or the Company  at the number  provided about any of the Comp any�s  Union  Bank  account s, and that 
we may us e text messaging, artificial  or prerecor ded voic e mes sages and autom atic dialing technolog y to call you for any non -telemarketi ng purpose,  
including  but not limited  to informatio nal, account servicing, and collection  calls. Message and data rates  may apply.  You also agree that by prov iding your 
email  address , we have  your permiss ion to contact you through your email  address  to notify  you of progress  on you r applicat ion, provide important  accou nt 
information,  to let you know about  other products and services. 
ARBITRATIO N NOTICE 
If you  ar e iss ued a credit card, you r Agreem ent w ill contain a bi nding arbitrati on prov ision. I n the event of any disp ute re lating to y our account, t he 
disput e will be re solved by bind ing arbitrati on pursu ant to the rules of t he A merican Arbit ration Ass ociati on or JA MS/Endisp ute. Bo th you and we agre e to 
waive the righ t to go to cour t or t o have the dis pute heard by a jur y (ex cept as  to any colle ction activities on your account ). You and we will be wa iving 
any righ t to a jur y trial and you also w ould not hav e the right to partic ipate as a par t of a class of claimant s relat ing to any dis pute with u s. Other r ights 
availab le to you i n court m ay al so be unavail able in arbit ration. Wh en you receive y our Agreeme nt, you should r ead t he Re solution of Claim s by 
Arbitration prov ision in your A greement ca refull y and not accept or use t he Card unl ess you agree to be bo und by the arbitra tion provis ion. 
BALANCE T RANSFERS 
If you are issued a credit card, you authorize  us to make  one or more of the balance  transfers that you have requeste d from credit card accounts or  other 
types  of accounts  with other  financ ial institutions.  Balance  Transfers cannot be used to pay off or pay down any Union  Bank credit  card, either  opened in 
your name or any other person. All balance transfer reques ts 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 selec t 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 reques ts that ar e incomplete, illegible or requested to cash, to yours elf or to 
another account with us or one of our affiliates may 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 respons ible 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 paym ent in accordanc e with your other acc ount�s terms. You 
should continue to monitor the other accounts  that you requested us to send the proceeds of the balance transfer 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, financ e 
charges or d isputed amounts on y our o ther accounts. W e do n ot send instructions to the other financ ial institution to close your other account. If y ou 
want the other  account to be closed, you must do that y ourself. Balanc e 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 t he interest-f ree grace period on the new Purchases unless you pay the entire statement  balance, including the amount subject to 
the promotional AP R, by the payment  due date. 
OVERDRAFT PROTECTION LINKED TO A UNION BANK CREDIT CARD 
Service is limited to covering one personal c heck ing account linked to one personal Union B ank credit card, a nd both accounts must hav e a 
common owner. 
By enrolling in Overdraft Pr otection Linked to a Union Bank Credit Card, you authorize the Bank to make advances on your Unio n Bank Cr edit 
Card ( subject to your available credit) in order to cover transactions  (including transfers between checking, m oney market, and savings  accounts) 
pres ented for  Page 3 of 5 payme nt again st insuffic ient funds. We will n ot authorize tr ansact ions r equirin g real -time authorizati on (such as ATM withdrawals , ATM or D ebit Car d 
Purcha ses, and cash wit hdrawals in a Union Bank bran ch) us ing this serv ice. If you at tempt  a tran saction re quiring real -time authorization  and there ar e 
insuffic ient a vailabl e funds in t he link ed checking account, the tran saction will be  declin ed. Activati on of t he O verdra ft Pro tection serv ice may ta ke up t o  5 
business days following  the approval  of a new c redit c ard ac count; for cus tomers with an existi ng open credit card  account, it may ta ke up to  5 business 
days from  the initial request to enroll in the Overdraft Protection service.  
Each busi ness day that we determin e that your linked check ing account is o verdraw n by any am o unt, you aut horize us to ma ke an Overd raft Advance 
equal  to a) $50,  or b) the next highest multip le of $50 that will equal  or exceed the linked  checking account overdraft, as determine d by us. For example, 
if we determine that you r lin k ed checking account  is overdrawn by $125, you unders tand and agree that we may automatica lly mak e an Overdraft Advance 
of $150
 from your Un ion  Bank  Credit  Card  for depos it to your linked checking account.  We will make advances  only once  each  bu siness  day. 
Advances will onl y be proces sed if at le ast one tr ansactio n can b e covered by the ad vanced amo unt. An y negative ba lance from a prev ious business day 
will not trig ger a n advance unl ess a nother eligible t ransactio n is presen ted for paymen t and th ere is sufficient availab le cre dit on th e credi t card accou nt to 
cove r at le ast tha t additi onal tran saction. If you do n ot have suffic ient availabl e credit on your credi t car d account to cover al l tran sactions, your li nked 
checkin g account ma y be subje c t to fees for any uncovere d tran sactio ns. The total advance amoun t will appear on th e linked check ing account sta tem ent 
each day an advance is made. On ly on e check ing account ma y be linked to one credit card account, and b o th account s must have a common owner. If 
your link e d checkin g account i s changed t o a close d status for any rea son, U nion Bank ma y terminate th e  Ove rdraft P rotect ion Linked t o a Un ion Ba nk 
Credit C ard serv ice w ithout notice. 
Overdraft Advances and the $10 daily Overdraft Advance Fee will be added to your Overdraft A dvance Balance C ategory on your credit ca rd 
monthly statement and  be charged the Overdraft Advance Annual Percentage Rate. Your APR will be 15.49% to 25.49%, based on 
your creditworthiness. Thi s APR will  vary with  the market based o n 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 terminat e 
the Overdraft Protection Li nke d to a Un ion Ba nk Cr edit Ca rd service w ithout  notice. Yo u ma y cancel th is  service at an y time. 
S
ome accounts m ay not be el igible for O verdraft P r ote ction Li nked t o  a Union B ank C redit C ard. F or m ore information, see the Union B ank Perso nal 
Accounts & S ervices D isclosure and Agreement . 
AI
RLINE I NCIDENTAL FEES STATEMENT CRE DIT 
Receive a statement credit of up to $50 per account per  cal end ar ye ar for Qualify ing Airline Inc ident al Fee Purchases su ch as: baggage f ees,  in-flight 
food and beve rage pur chas es and tick e t change/ ca ncellati on fees. Lear n more abo ut your  benefits at uni onbank.c om/airlineinc identalfees. 
OTHER DISCLOSURES 
CALIFORNIA RESIDENTS: A married applicant may apply for a separate account.  Additionally, we may obt ain informati on at any time from the California 
Department of Motor Vehic les. You agree to waive the address con f identiality req uiremen ts sectio n of the California Vehicle Code (Section 1808. 21). 
NEW Y ORK RESIDENTS may co nt act t he New Y ork S tate Department of F inanc ial Services by t el epho ne at 1 - 800- 342-3736 or visit i ts websi te 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 Oh io laws  again st discriminatio n require  that all c reditors ma ke credi t equall y available to all creditwor thy custo mers and that 
credit report i ng agencies main tain s epara te credit  histories  on each indiv idual upon req uest. The Ohio Civ il Rights Commiss ion administers c ompliance 
with this law.  
WASHINGTON STATE RE SIDENTS: Wash ington stat e law proh ibits di scrimination in c redit t ransact ions because of r ace , creed, co lor, nati onal or igin, 
sex, or marital status. T he W ashington 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 marital pr op erty agreement, unila teral s tatem ent or court dec ree adv ersely 
affects our interests a nd/or rights un less, prior to t he time the cre d it is gran ted or a n open-end c redit plan is en tered into, we are furnis hed with a cop y of the 
agreement, statemen t, or dec ree, or have act ual knowle dge of t he adverse prov ision. Married Wisconsi n residents a pplying for credit sep arately 
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 t ant protection s to member s of the Armed Forces and their dep e ndent s relating t o extensions of consu mer credit. In g e neral, 
the co st of c onsumer credit t o a member of the Armed Forces and h is or her de pendent ma y not excee d an annual perc entage r ate of 36 per cent. This 
rate must inc l ude, as applic able t o the credit tran sactio n or account : The cost s associa ted with credit i nsurance premiums; f ees for ancillar y prod ucts sol d 
in connection with the credi t tran saction; any applic ation fee cha rged (ot her than certai n applic ation fees for s pecified credi t  transactio ns or accounts) ; and 
any partic ipation fee charged (ot her than certain participation f ees for a cr e dit card account). 
Additionally, i f any clause i n your A greement w ith us co nflicts w ith the federal l aw pr otections af forded t o members of t he Armed Forces, i ncluding any 
provision related to mandatory ar bitration, f ederal l aw w ill prevail. 
If you would like to receive t his 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 summary of c ertain key  terms and conditi ons for the Union Bank  Rewards  Program for the U nion Bank Trav el Rewar ds Vis a 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 aw ards are not earned until they appear  on the account statement. Points  that have been awarded may  be deducted if, after poi nts are awarded, Purchas es are subsequently s ubjec t to a refund, credit or dispute. We reserve the right to retroactiv ely correct errors made i n 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 20,000 introductory reward points bonus following your first $1,500 in Purchases  made within 3 months  of acc ount opening. T hese  points  will pos t to y our rew ard point balance within 8 w eeks  after the close of your third billing cycle. You are limited to one i ntroductory  reward poi nts  bonus per card account. 
Travel Points 
You will earn 3 points (also referred to in marketing materials as �3X points�) (consisti ng 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) on Travel. A �Travel� merchant is a merchant with the merchant category code (MCC) for �Airlines� (MCC 3000 -3350), �Airlines, Air Carriers (not listed elsewher e)� (MCC 4511), �Hotels� (MCC 3501 -3999), �Car Rental� (MCC 3351-3500), �Other Travel� (MCC 4112, 4121, 4131, 4411, 4457, 4722, 4784, 4789, 7012, 7033, 7519, 7523).. After you make $6,000 in Purchases on Travel in a year, you will earn 1 point for each $1.00 spent on Purchases that you make on Travel for the remainder of the year. 
Restaurant Points 
You will earn 2 points (also referred to in marketi ng materials as �2X poi nts�) (consisting of 1 base point and 1 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. 
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 from merchants that are not Travel or Restaurant merchants.  
Merchant Category Codes & Purchases 
Merchants are assigned a merchant category code by payment card process ors 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 eligibl e MCC and Purchases proc essed through third-party payment accounts (e.g., PayPal�) will not qualify to receive bonus rewards. REWARD POINT REDEMPTION You may redeem points for the following:  
� Merchandise, gift cards/certificates, travel (airline, hotel and car rental), and additional red emption 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 Uni on Bank checking acc ount, s avings acc ount, or residential mortgage account in an open status with Union Bank to qualify for the last two point redemption methods referenced above. When you redeem points for a statement credit to your card acc ount, the statem ent credit is treated as an additional paym ent on your account. You are still required to make your regular monthly account payments as indicated on your monthly statements. Stat ement credits will post to y our card account within 5 business days. It may not appear on your monthly statement for 1 to 2 billing cycles.   Page 5 of 5 Cards are issued and serviced by Union Bank Card Services, a division of MUFG Union Bank, N.A.  
�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 Travel Rewards Visa Card (CTR/CTR321TR) � Web 07/22 When you redeem points for a deposit into a Union Bank checking or savings acc ount, the deposit will post to y our checking or savings acc ount within 5 business days. When yo u r edeem poi nts for a principal reduction payment to your Union Bank mortgage account, the payment will be ap pli ed as an e xt ra principal payment and will not count towar d your regular monthly payment. You are still required to make your regular mortgage account payments as indicated on your monthly mortgage statements. Principal reduction payments 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 provide additional redempti on options from time to time. Redemption opti ons are offered solely in our discretion, are not guaranteed, and are subject to any limits that we may impose. Redemptions options may be withdrawn at any time without notice. The amount of points redeemed for a Reward will be s ubtracted 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 trans action. 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 ar e subj ect to availability. We may withdraw, change or replace any Reward item. We may a lso change the number of points required to redeem a R eward, at any time and without prior notic e to y ou. All redemption transactions are final. There are no refunds, exc hanges , replac ements  or conv ersions  for currency, cr edits, points, or Rewards. Point redemptions f o r Re wards may be subject to shipping, handling or other fees, and shipping restrictions may apply. The merchants participating in the Prog
 ram are not affiliated with us nor are these merchants c onsidered spons ors or co -sponsors of the Program. A ll trademarks are the pr operty of their res pective owners. The merchants� terms and conditions apply to their respective gif t cards /certificates, mer chandise  and/or services. Upon receiving your Rewards, see each merchant�s specific terms and conditions for complete details, whic h are subj ect to c hange b y the merchants at their sole discretion from time to time, subject to applicable law. REWARD POINT EXPIRATION Points are redeemed on a first-in, first-out basis. Points will expire on or after the third anniversary of the date earned.  PROGRAM CHANGES We reserve the right to change thes e Program terms and c onditi ons with or without prior notic e (except where required by law). Point redemption amounts may change at any time. DISQUALIFICATION/TERMINATION  If the account does not remain in good standing, yo u will not earn future poi nts, cannot redeem points , and you will forfeit any acc umulated points pr evi ousl y  awarded. An account is in good standing w hen no ev ent has occurred that allows  us to require immediate payment of your entire balance under the Agreement, i ncluding, without limitation, failing to make the minimum payment when due, having a payment to us denied, providing us fa lse or misleading information, or other reasons described in the Rewards Program Terms and Conditions. We res erve the right to disqualify or remove any  pers on or acc ount from participati on in the Program, refuse to aw ard or redeem points, or close your  account at any time, for any reas on incl uding, but not limited to, your account being inac tive (as s uch term is defined by us from time to time). If such a disqualification occurs, it may result in the forfeiture of any accumul ated poi nts. Closing y our account (by you or by us) will result in the termination of your  enrollment in the Program, and any accumulated points will be forfeited.