Summary of Credit Terms - Union Bank� Rewards Visa Signature� for The Private Bank 
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 15.49% to 25.49%, based on your creditworthiness. 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 $199 
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 TransactionNone 
Penalty Fees  
�Late Payment Up to $37. 
�Over-the-Credit Limit None  
�Returned  Payment Up 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 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 5The 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 receive a Cardmember Agreement (�Agreement�) with your card(s). You agree to the terms of this Agreement by: usi ng 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 APR s ) 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 divisi on 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, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person and/or entity that opens an account; and What this means to you: When you open  an account, we will as k for your name, address, date of birth (for individuals) and other information that will allow us to identify you. We may also ask to see your driver�s licens e or other identifying documents. 
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 a telephone number, including but not limited to a cellular (mobile) telephone number, you agree that we (including companies working on our behalf) have your express consent to contact you 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 voice messages and automatic dialing technology to call you for any non- telemarketing purpos e, including but not limited to informational, account servicing, and collection calls. Message and data rates may apply. You also agree that by providing y our email address, we have your permission to contact you through your email address to notify you of progress on your application, provide important acc ount information, to let you know about other products and services. 
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 wai v e 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 availabl e to you in court may also be unavailable in arbitration. When you receive your Agreement, you should read the Resolution of Claims by Arbitration provisi on 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. Balance Transfers cannot be used to pay off or pay down any Union Bank credit card, either opened i n 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 requested balance trans fer . 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 trans fer 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 reques ted 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 recei v e statements from those creditors showing that the balances due them have been paid in full. This might not happen until after the balance transfer appear s 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 s end 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. Bal anc 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 transf er 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. 
OVERDRAFT PROTECTION LINKED TO A UNION BANK CREDIT CARD 
Service is limited to covering one personal checking account linked to one personal Union Bank credit card, and both accounts must have a com m on owner. 
 
By enrolling in Overdraft Protection Linked to a Union Bank Credit Card, you authorize the Bank to make advances on your Union Bank Credit C ar d (subject to your available credit) in order to cover transactions (including transfers between checking, money market, and savings accounts) presented for payment against insufficient funds. We will not authorize transactions requiring real -time authorization (such as ATM withdrawals, ATM or Debit Car d purchases, and cash withdrawals in a Union Bank branch) using this service. If you attempt a transaction requiring real -time authorization and ther e ar e insufficient available funds in the linked checking account, the transaction will be declined. Activation of the Overdraft Protection service may take up to 5  Page 3 of 5 business days f ollowing the approval of a new credit ca rd account; f or cu stomers w ith an ex isting open c redit ca rd acc ount, i t may take up to 5 bus iness 
days f rom the initial r equest t o enroll i n the Overdraft P rotection service. 
Each busi ness day th at we det ermine th at your linke d checking account is ov erdrawn by any am ount, you a uthorize us to make an  Overdraft Ad vance 
equal to a) $50, or  b) the next highest multiple of  $50 that will  equal or exc eed the linked check ing account ove rdraft, as determine d by us. For examp le, 
if we determine that your linked checking account is overdrawn by $125,  you understan d and agree that we may autom atically make an Overdraft  Advance 
of $150 from your Union Bank Credit Card  for depos it to your linked c heck ing account . We will make advances only once each business  day. 
Advances will only be process ed if at least one trans action can be covered by the a dvanced amo unt. Any neg ative bal ance from a previous busine ss day  
will not trigger an advance u nless an other eligible transac tion is present ed for  payment and t here is s ufficient availabl e credit on the c redit c ard account t o 
cover at l east t hat addi tional transac tion. I f you do not hav e suffic ient availabl e credit on your c redit card acc ount to cover al l transacti ons, y our linked 
checking account ma y be subject to fees for any u ncovered transactions. The total advance amoun t will appear on the link ed checking account s tatement 
each day an advance i s made. O nly one check ing account m ay be linked to one c redit c ard account, and both acc ounts must hav e a common owner. If 
your linked che cking account i s changed to a c losed stat us for any reason, U nion Bank m ay terminate the Ove rdraft P rotection Linked t o a Union B ank 
Credit C ard serv ice without notice. 
Overdraft Advances and the $10 daily Overdraft A dvance 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 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 financ e charges for 
Overdraft Advances. If your linked credit card account is changed to a closed status for any reason, Union Bank may ter minate the Overdraft 
Protection L inked t o a U nion B ank C redit Card service without notice. You may cancel this service at any t ime. 
Some acc ounts m ay not be eligible for O verdraft P rotec tion Link ed to a Union Ba nk Credit C ard. F or more information, se e the Union Ba nk Personal 
Accounts & S ervices D isclosure and Agreement . 
AIRLINE I NCIDENTAL F EES S TATEMENT CRE DIT 
Receive a statement credit of up t o $100 per account per ca lendar yea r for Qualifying Airli ne Inc idental F ee Purchases su ch as: baggage fees , in-flight 
food and beve rage pur chases and tick et change/ ca ncellati on fees. Lear n more abo ut your  benefit s at unio nbank.c om/airlineinc identalfees. 
AIRPORT L OUNGE ACCE SS 
Receive 4 free v isits to airport l ounges w orldwide with a complimentary 12- month Priority  Pass� S elect M embersh ip. After that, each visit i s $32 (subject 
to change). Lear n more about yo ur benefit s at unio nbank.c om/priorityp ass. 
OTHER DISCLOSURES 
CALIFORNIA RESIDENTS: A married applic ant m ay apply for a separate account. Additionally, we may obt ain informati on at any time fr om the Califo rnia 
Department of M otor V ehicles. Y ou agree to waive t he addr ess confide ntiality r equireme nts section of t he California Vehic le Code (Secti on 1808.2 1). 
NEW Y ORK RESIDENTS may contac t the New Y ork State Department of F inanc ial Services by telephone at 1- 800- 342-3736 or visit its webs ite 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 Ohio laws against disc rimination require that all c reditors make c redit e qually ava ilable to all c reditworthy cus tomers and that 
credit reporting agenc ies maintain separate c redit histories on each indiv idual upon request. The Ohio Civ il Rights Commiss ion administers co mplia nce 
with this law.  
WASHINGTON STATE RE SIDENTS: Washington state law pr ohibits di scrimination i n credit t ransactions beca use of r ace, creed, co lor, nat ional 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 TO MARRIED  WISCONSIN APPLICANTS: No prov ision of any marital pro perty a greeme nt, unilat eral stat ement or court d ecree adversely af fects 
our interests and/or rights unless , prior to th e time the c redit is grant ed or an op en-end credit pl an is entere d into , we are furnished with a copy  of the 
agreement, statem ent, or d ecree, or have ac tual kn owled ge of t he adverse prov ision. Married Wisconsin residents applying for credit separately m ust 
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 important protections to members of the Armed  Forces and their  dependents relating to extens ions of consumer c redit. In gene ral, 
the cost  of consu mer c redit to a member  of the Armed  Forces and his or  her dependent may not exceed an annu al percenta ge rate of 36 percent. T his 
rate must include,  as applicable to the credit transactio n or account: The costs associated with credit insurance  premiums ; fees for ancillary products  sold 
in connection with the credit transacti on; any applicati on fee charge d (other than certain applica tion fees for spec ified credit transac tions or accounts ); and 
any partic ipation fee charge d (other than certai n partic ipation fees for a c redit c ard account).  
Additionally, i f any clause i n your Agr eeme nt with us co nflicts w ith the f ederal l aw pr otections afford ed to m embers of t he A rmed Forces, i ncluding any 
provision related to mandatory ar bitration, f ederal l aw w ill prevail. 
If you would like to receiv e this M ilitary Lending Act di sclosure orally, p lease call 1 -877- 925-8666.  Page 4 of 5 REWARDS PROGRAM TERMS AND CONDITIONS  
The following is a summary of certain key terms and conditions for the Union Bank Rewards Program for the Union Bank Rewards Visa Signature� for The Private Bank. You will receive complete Program terms and conditions with your account opening materials if your application is approved.  
EARNING REWARDS POINTS 
Purchases 
You earn points when you (or your authorized user) make �Purchases� of products and services with your credit card, excluding disputed billing it e ms 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 ordersor 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 account statement. Points that have been awarded may be deducted if, after points are awarded , Purchases are subsequently subject to a refund, credit or dispute. We reserve the right to retroactively correct errors made in point awards. We are so lely responsible for determining which transactions are eligible for point earnings, and our determination is final. Points you earn during the billing cycle will be added to your rewards point balance within 7 days after the end of the billing  cycle. 
Introductory Rewards Bonus 
You will earn a 30,000 introductory reward points bonus following your first $3,000 in Purchases made within 3 months of account opening. T hes e points will post to your rewards point balance within 8 weeks after the close of your third billing cycle. You are limited to one introductory reward poi nts bonus per card account. 
Airline Points 
You will earn 3 points (also referred to in marketing materials as �3X points�) (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) on Airlines. An �Airline� Purchase is from a merchant wi th the merchant category code (MCC) for �Airlines� (MCC 3000- 3299) and �Airlines, Air Carriers (not listed elsewhere)� (MCC 4511). After you make $6,000 i n Purchases with Airlines in a year, you will earn 1 point for each $1.00 spent on Purchases that you make with Airlines for the remainder of the year.  
Restaurant Points 
You will earn 2 points (also referred to in marketing materials as �2X points�) (consisting of 1 base point and 1 bonus point) 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� Purchase is from a merchant with the merchant category code (MCC) for "Caterers" (MCC 5811), "Eating Places and Restaurants" (MCC 5812), "Drinking Places (Alcoholic Beverages), Bar s , Taverns, Cocktail Lounges, Nightclubs and Discotheques" (MCC 5813) or "Fast Food Restaurants" (MCC 5814). After you make $6,000 in Purchas es at Restaurants 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 (also referred to in marketing materials as �1X points�) for each $1 spent on all new eligible Purchases charged to the card each billing cycle that are from merchants that are not Airline or Restaurant merchants.  
Merchant Category Codes & Purchases 
Merchants are assigned a merchant category code by payment card processors 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 proces s ed through merchants that do not process transactions under the eligible MCC and Purchases processed 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 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 1.75 cents per  point. You must have a Union Bank checking account, savings account, or residential mortgage account in an open status with Union Bank to qualify for the last   Page 5 of 5 two point r edemption methods r efere nced  abov e. 
When you redeem points for a statement c redit to your  card account, the statement c redit is treated as an additional pay ment on your acc ount. You ar e 
still required to  make your  regular monthly  account payments  as disclosed on your  monthly  statements. Statement c redits will post to  your ca rd 
account within 5 bus iness days. It may not appear on your monthly stateme nt for 1 to 2 billing cyc les. 
When you redeem poi nts for a deposit i nto a Union Bank ch ecking or sa vings account, t he depos it will post t o your c heck ing or sa vings acc ount w ithin 5 
business days. 
When you rede em points for a princ ipal reduc tion paymen t to yo ur Union B ank m ortgage account , the payme nt will be ap plied as an extr a princ ipal p ayment 
and will not cou nt toward your r egular m onthl y paymen t. You ar e still r equired t o make your regular m ortgage account p ayments as disclosed on 
your m onthly statements. Princ ipal reduction pay ments will post t o your m ortgage acc ount w ithin 5 bus iness  days. I t may not appear on your m ortgage 
account m onthl y statement f or 1 to 2 billing cyc les. 
We may al so pr ovide additional r edem ption o ptions from t ime to time. R edemption o ptions ar e offered so lely in our di scretion, are n ot guarant eed, and are 
subject t o any l imits that w e may impose. R edemption optio ns may be withdrawn at any t ime without not ice. 
The amount of point s rede emed for a Reward will be subtrac ted from  your poi nt bala nce. We may, in our disc retion, set a minimum or a maximum number 
of point s that you may redeem in a single trans action. We ma y adjust th is amount from time to time. We also ma y require that redempti ons occur in round 
increment s that w e will set in our di scretion from time to time. All Rewar ds are subject t o availability. We m ay withdraw, cha nge or replace any Rewa rd 
item. We may also c hange the number of points requir ed to redeem a Rewar d, at any time and without pr ior notic e to you. All redemption 
transactions are final. Ther e are no refunds, exc hanges, replacements or c onvers ions for currency, cr edits, points, or Rewar ds. P oint 
redemptions for Rewar ds may be subject to s hipping, handling or other fees, and s hipping restrictions  may ap ply. 
The merchants partic ipating in th e Program are no t affiliate d with us nor are thes e merchant s cons idered sp onsors or co -sponsors of th e Progra m. All 
trademarks  are the property of their respective owners. The merchants � terms and conditions ap ply to their res pective gift cards /certificat es, merchand ise 
and/or serv ices. Upon receiv ing your Rewards,  see each merchant�s  specific terms and conditions  for complete details, which are subjec t to chang e by 
the merchants at their sole disc retion from time  to time, subject to applicable law.  
REWARD POINT EXPIRATION 
Points are redeemed on a first-i n, first-o ut basis. Points will ex pire on or after  the third annivers ary of the date earned. 
PROGRAM CHANG ES 
We res erve the right to chang e th ese Program terms and con ditions with or without prior notice (excep t where required by law). Point redemption amounts  
may change at any  time. 
DISQUALIFICATION/TERMINATION 
If the account does not  remain  in good standing, you will not earn future  points, cannot  redeem points, and you will forfeit any accumul ated points  previously 
awarded. An acc ount is in good standin g when no eve nt has occ urred th at allows us to require immediate pay ment of your entire balanc e under the 
Agreement,  including,  without  limitation,  failing  to make the minimum payment  when due, having a payment to us denie d, providing us false or misleading 
information, or other reasons descr ibed in the Rewards Program Terms and Conditions.  
We reserve the right to disqualify or remove any p erson or acco unt from partic ipation in th e Program, refus e to award or red eem poin ts, or c lose your 
account at any time,  for any reason inc luding, but not limited to,  your acc ount being inactive (as such term  is defined by us from  time  to time).  If such a 
disqualification occurs, it may result  in the forfeiture  of any accumul ated points. Closing  your account (by you or by us) will result  in the termination of your 
enrollment in the Program, and any accumulated poi nts will be forfeited.  
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 Rewards Visa for The Private Bank (CPB/PBC321AR)  � Web 07/22