Summary of Credit Terms - Union Bank� Secured Visa� Card 
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for Purchases 20.49% 
This APR will vary with the market based on the Prime Rate.  
APR for Balance Transfers 20.49% 
This 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 $25 
Transaction Fees  
�Balance  Transfer Either $10 or 5% 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 07/20/22 .  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 4 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 Sum mary of Credit Terms will reflect the increased rate. Page 2 of 4 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 uthorizing their use, or mak ing any payment o n the ac count. W e hav e the rig ht to change t he account te rms (inc ludin g the APRs) 
in accordance with y our Agreement. W e reserve t he right t o change t he benefit f eatures associat ed with your car d at any time. C omplete term s and 
condit ions w ill be prov ided to yo u when yo u becom e an appro ved cardmember. Cards ar e issued and serv iced by U nion Bank� Card S ervic es, a d ivision 
of MUFG U nion Bank, N .A. 
IMPORTANT I NFORMATION 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 la undering activ ities, Federal 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 submitti ng an a pplicati on for credit, you authorize  us to obtain c redit bureau reports that we will use when consideri ng your a pplicati on for credit. You 
also authorize  us to obtain credit bureau reports and any othe r informatio n about you in connec tion with the extensions  of credit on your account and the 
administrati on, review  or collection  of your account. If you ask, we will tell you the name and address  of the credit bureau from which we obtain ed a report 
about  you. You also authorize  us to verify your employ ment, incom e and other relev ant informatio n. 
COMMUNICATIO N AUTHORIZATION 
By prov iding a tele phone num ber, i ncluding but not l imited to a cellular ( mobile) tele phone num ber, y ou agr ee tha t we (i ncluding companies work ing on 
our behalf) have your ex press con sent t o contact you or the Com pany at the number prov ided a bout any o f the Com pany�s Union B ank account s, and that 
we m ay use text mes saging, ar tificial or prere corded voice m essages and autom atic diali ng tech nol ogy t o call you for any non- telem arketi ng pur pose,  
including but not limited t o informati onal, accou nt servicing, and c ollection calls. Mess age a nd da ta rat es ma y apply. You al s o agre e that by prov iding your  
email address, we have y our permiss ion to contact you through y our email addr ess to noti fy you of progr ess o n you r applicatio n, prov ide important accou nt 
information, to let you know about ot her pro ducts and services. 
ARBITRATIO N NOTICE 
If you ar e iss ued a cr edit ca rd, your Agreem ent will conta in a bi nding  arbitrati on prov ision. In the event of  any disp ute re lating to y our ac count, t he 
disput e will be re solved by bind ing arbitrati on pursu ant to the rules  of the A merican Arbit ration Associati on or JAM S/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 hear d by a jury (ex cept as to any colle ction activ ities on your ac count) . You and we will  be waiv ing 
any right to a jury trial and y ou also w ould not ha ve the right to  partic ipate as a  p art of a c lass of claimants rel ating to any dispu te with us. Other rights 
availab le to you i n court may  also be unavail able in arbit ration. When you receiv e your  Agreeme nt, you should r ead t he Re solution of Claims by 
Arbitration prov ision in your Agreement carefully and not acce pt or use the Card unless  you agree to be bo und by the arbitra tion prov ision. 
BALANCE T RANSFERS 
If you are issued a credit card, you authorize  us to make one or more  of the balance  trans fers that you have request ed from credit card accounts  or other 
types  of accounts  with other  financ ial institut ions. Balance  Transfers canno t  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 requests are subject to our approval; we are not liable if we do not make a reques ted balanc e 
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 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 payment in accor dance with your other account�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, 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 ar e 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-f ree 
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 co nditions in 
this section a nd  Page 3 of 4 those of the Collate ral Acc ount Agreem ent, these ter ms and conditi ons will apply with respect to the Colla teral Account . You gra nt us  a securit y interest in 
the Colla teral Acc ount and in all additions to and proc eeds of the Collate ral Account . Our interest in the Collateral Ac count s ecures you r promise to pay for 
all transactions on the credit card account and any interes t, fees and other amounts that yo u owe us under the credit card account. You agree tha t, until 
all amounts ow ed under  the credit card acc ount have been fully p aid and t he account has been clos ed (a) you may not w ithdra w any f unds fr om the 
Collateral Acc ount, (b) yo u may not cr eate or permit any other  lien or securit y intere st in the Colla teral Accoun t or trans fer any other in terest in the C ollateral 
Account for any  reason, (c) any attempt to give a securit y interest or transfer any other  interest in the Collateral Acc ount will be ineffec tive and void, a nd 
(d) you may not close t he Collateral A ccount.
We may, in our disc retion, clo se the Collate ral Acc ount at any time. Before closing y our Collateral Acc ount, we will give you any n otice requir ed by law or 
the Colla teral Acc ount Agreement. If any pers on other th an us seeks t o assert an i nterest in th e Colla teral Acc ount, we ma y dee m the ac count bal ance 
immediatel y payabl e an d apply the f unds in th e Colla teral Acc ount to you r outs tandin g accou nt bal ance. W e ma y u se the fu nds in the Collatera l Account 
to pay  any balances o n your credit c ard acc ount. You agre e that if th e cre dit ca rd account issue d to you by  us is close d for any reason, w e ma y appl y the 
funds in th is Collate ral Acc ount to p ay off any balan ce on t he credit card account. If the cre dit card account is close d for any reaso n, whet her by yo u or us, 
we m ay hold funds in th is Collate ral Accoun t for a minimum holdi ng perio d of sixt y days after the cre dit card acc ount balance is p aid in full and the cr edit 
card account is closed in order to cover any tran sactions, f ees or charge s tha t may be p osted to the credit card account afte r it is close d. I f any  funds 
remain in the Colla teral Accoun t after the cre dit card acc ount b alance is paid, we will sen d the remaini ng funds  to you in t he manner prov ided by t he Collateral 
Account Agree ment . If the Collateral Accou nt is close d or f unds  are withdrawn prior to any  stated maturit y date, we may asse ss an early withdrawal penalty 
as describe d in the Collatera l Acc ount A greem ent. Please r efer to your Collateral A ccount Agreem ent fo r complet e detail s regardi ng penaltie s for early 
withdrawals. 
The for egoing sec urity i nterest i n the Coll ateral A ccount i s in additi on to, a nd does not i mpair or affec t, any w aiver of a ny set o ff or ot her r ights t hat w e 
have or m ay have, now or her eafter, w ith respect t o the Collateral A ccount. 
OVERDRAFT P ROTECTION LINKED TO A UNIO N BANK CREDIT CARD 
Service is limited to covering one per sonal ch ecking account l inked to one pers onal Union B ank credit card, a nd bot h accounts m ust have a common 
owner. 
By enrolli ng in O verdraft P rotection Link ed to a Un ion Bank Credit C ard, you authorize t he Bank to ma ke advances on y our Unio n B ank Credit Card 
(subject to you r available c redit) in order to cover transactions (inc luding tran sfers betw een checking, mo ney market, and savings account s) pre sented for 
payment against insuffic ient funds. W e will not authorize t ransactions r equiring r eal-time aut horiz ation ( such a s ATM wit hdrawals, A TM o r Debit C ard 
purchases, and cash w ithdrawals in a Un ion Bank branch) usin g this service . If you attempt a tr ansaction r equiring r eal-time authorizati on and ther e are 
insufficient availab le funds in the linked checking account, t he tra nsaction will be declined. Activation of t he Ove rdraft Prote ction servi ce may  take up to 5 
business days following the approval of a new credit card account; for customers with an exis ting open cre dit ca rd ac count, i t may ta ke up to 5 business 
days fr om the initial request to enroll in the Overdraft Protec tion service. 
Each business day th at we determin e that y our linked ch ecking account i s overdraw n by any amo unt, you aut horiz e us to ma ke an Overd raft Advance 
equal to a) $50, o r b) the n ext highest multip le of $50 that will equal or excee d the linked checkin g account o verdraft , as de termine d by u s. For example, 
if we determine th at you r linked checkin g accou nt is overdrawn by $ 125, yo u unders tand an d agre e that we m ay au tomatica lly make an Ov erdra ft Advance 
of $150 from  your Union B ank Credit Card for deposit to your link ed checkin g acc ount. We will make advances onl y once each business day. 
Advances will onl y be proces sed if at le ast one t ransactio n can b e covered by the ad vanced amo unt. A ny 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 paym ent and there is sufficient availab le credit on th e cre dit card accou nt to 
cove r at le ast tha t additi onal tran sactio n. If you do not hav e suffic ient ava ilable credit on your credi t card acc ount t o cove r all tran sactions, y our linked 
checkin g account ma y be subject to fees for any uncover ed transact ions. Th e total advance amoun t will appear on th e link ed checkin g account sta tem ent 
each day an advance is made. On ly one checkin g account ma y be linked t o one credit card acc ount, an d bot h accou nts must hav e a common owner. If 
your linked checkin g account i s changed to a clos ed status for any reason, Union B ank m ay terminate t he O verdraft P rotection Linked to a U nion 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 Advance Balance Categor y on your credit card 
monthly statement and be charged the Overdraft Advance Annual Percentage Rate. Your APR will be 20.49%. 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. Y ou may cancel t his ser vice a t any 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 m ore informatio n, see the Union B ank Perso nal 
Accounts & S ervices Disclosur e and Agreement . 
OTHER DISCLOSURES 
CALIFORNIA RESIDE NTS: A mar ried applicant m ay apply for  a separa te account. A dditionally, we may obtain informati on at a ny time from the Cal ifornia 
Department of Motor Vehic les. You agree to waive the addres s confidentiality re quiremen ts 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 RE SIDENTS: The Ohio laws agai nst di scrimination require that al l creditors m ake credit equal ly available to all c reditworthy cu stomers and that  Page 4 of 4 credit reporting agencies maintain separate credit histories on eac h individual upon request. The Ohio Civil Rights Commission administers  compliance with this law. 
WASHINGTON STATE RESIDENTS: Washington state law prohi bits discrimination in credit trans actions bec aus e of race, creed, color, national origin, sex, or marital status. The Washington State Human Rights Commission administers compliance with this law.  
NOTICE TO MARRIED WISCONSIN APPLICANTS: No provision of any marital property agreement, unilateral statement or court decr ee 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 ar e furnished with a copy of the agreement, statement, or decree, or have actual knowledge of the adverse provision. Married Wisconsin residents applying for credit separat ely must furnish name and address of their spouse to Union Bank at P.O. Box 60398, Phoenix, AZ 85026. 
MILITARY LENDING ACT 
Federal law provides important protections to m embers of the Armed Forces and their dependents rel ating to extensions of consumer credit. In general , the cost of consumer cr edit to a member of the Armed F orces and his or her dependent may not exceed an annual percentage rate of 36 percent. Th i s rate must include, as applicable to the credit tr ansac tion or account: The costs ass ociated with credit ins uranc e premiums; fees for ancillary products sold in connection with the credit transaction; any applicati on fee charged (other than c ertain application fees for specified cr edit trans actions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). 
Additionally, if any  claus e in y our  Agreement with us c onflicts  with the federal l aw pr otecti ons  afforded to members of the Armed Forces , i ncluding 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.  
�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 Secured Visa� Card (CSC) � Web 07/22