Summary of Credit Terms 
PLEASE NOTE: If you apply for the Union Bank® Visa Rewards 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® Visa Signature® Rewards Card. 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

0.00% introductory APR for the first 18 billing cycles that your Account is open. 
After that, your APR will be 15.24% to 25.24%, 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 18 billing cycles that your Account is open. 

After that, your APR will be 15.24% to 25.24%, based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

26.50%. 

This APR will vary with the market based on the Prime Rate. 

Penalty APR and When it 
Applies 

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 

•  Balance Transfer 

•  Cash Advance 
•  Foreign Transaction 

Penalty Fees 

None 

Introductory fee of either $10 or 3% of the amount of each transfer, whichever is greater, for 
balance transfers made within 60 days of account opening. After that, either $10 or 5% of 
the amount of each transfer, whichever is greater. 
Either $15 or 5% of the amount of each cash advance, whichever is greater. 
3% of each transaction in U.S. Dollars. 

•  Late Payment 
•  Over-the-Credit Limit 
•  Returned Payment  

Up to $37. 

None 
Up to $35. 

SEE BACK OF PAGE for more important information about your account. 

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.

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ADDITIONAL TERMS & CONDITIONS 
If an account is opened, you will receive a Cardmember 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 Cardmember 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 to see your driver’s license or other identifying documents. We will let you know if additional information is 
required. 

CREDIT  REPORT  AUTHORIZATION:  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 cardholder 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 cardholder agreement, you should read the 
Claims and Arbitration of Disputes provision in your agreement carefully and not accept or use the Card unless you agree to be 
bound by the arbitration provision. 

BALANCE  TRANSFERS:  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. 

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. 
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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 a sufficient 
Available Balance 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 link to the credit card 
account 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  15.24%  to 
25.24% 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 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.  

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. 

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 account 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. 

REWARDS PROGRAM TERMS AND CONDITIONS 

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The following is a summary of certain key terms and conditions for the Union Bank Rewards Program. The complete terms of the 
program are available at www.unionbank.com/rewardsdetails. You will receive complete terms and conditions with your account 
opening materials if your application is approved. 

EARNING  POINTS:  You  earn  points  by  making  “Net  Purchases”  with  your  credit  card.  You  will  earn  1  point  per  $1  of  all  new 
eligible Net Purchases charged to the card each billing cycle. You will earn 2 points (consisting of 1 base point and 1 bonus point) 
for the first $6,000 of Net Purchases made during each calendar year at Grocery Stores. A “Grocery Store” is a merchant with the 
merchant  category  code  (MCC)  for  “Grocery  Stores”  or  “Supermarkets”  (MCC  5411),  “Dairy  Product  Stores”  (MCC  5451), 
“Bakeries” (MCC 5462), “Misc. Food Stores (convenience stores and specialty markets)” (MCC 5499). 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  processed  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.  Please  note  that  superstores, 
discount  stores  and  warehouse  clubs  are  not  included  in  this  list;  grocery  purchases  at  these  merchants  will  not  earn  bonus 
points.  Net  Purchases  at  these  merchants,  including  Net  Purchases  for  grocery  items,  will  earn  only  1  point  per  $1.00  in  Net 
Purchases. After you make $6,000 in Net Purchases at Grocery Stores in a calendar year, you will earn 1 point for each $1.00 in 
Net Purchases that you make at Grocery Stores for the remainder of the calendar year. 

“Net Purchases” are authorized, new purchases posted to the Account on or after the day you activate your credit card Account, 
excluding disputed billing items and items that are subsequently subject to a refund or credit (such as for returned merchandise). 
Points that have been awarded may  be  deducted if,  after points are awarded,  purchases are subsequently  subject to a refund, 
credit or dispute. Net 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. With regard to the points earned under the Program, point awards are not earned until they 
appear  on  the  Account  statement.  We  reserve  the  right  to  retroactively  correct  errors  made  in  point  awards.  We  are  solely 
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 points account within seven days after the end of the billing cycle. 

You  will  also  EARN  2,500  bonus  reward  points  following  your  first  Net  Purchase.  This  2,500-point  bonus  will  post  to  your 
rewards point balance within 8 weeks after your first Net Purchase. 

POINT REDEMPTION: You may redeem points for the following “Rewards”: 

•  For  merchandise,  gift  cards/certificates,  travel  (airline,  hotel  and  car  rental),  and  Promotional  Redemptions  (defined 
below) based on the point redemption value associated with the Reward, which may vary depending on the Reward; 

•  For a statement credit to your card Account at a rate of 1 cent per point; 
•  For cash back into a Union Bank checking or savings account at a rate of 1.25 cents per point; 
•  For 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 checking account, savings account, or residential mortgage account in an open status with Union 
Bank to qualify for the point redemption values referenced above.  

When you redeem points for a statement credit to your card Account, the statement credit is treated as an additional payment on 
your  Account.  You  are  still  required  to  make  your  regular  monthly  Account  payments  as  indicated  on  your  monthly 
statements. Statement credits will post to your card Account within 5 business days. It may not appear on your monthly statement 
for 1 to 2 billing cycles. 

When  you redeem points for cash back to a Union Bank checking or savings account, the deposit  will  post to  your checking or 
savings account within 5 business days. It may not appear on your monthly statement for 1 billing cycle. 

When you redeem points for a principal reduction payment to your Union Bank mortgage account, the payment will be applied as 
an extra principal payment and will not count toward your regular monthly payment. You are still required to make your regular 
mortgage  account  payments  as  indicated  on  your  monthly  statements.  Principal  reduction  payments  will  post  to  your 
mortgage account within 5 business days. It may not appear on your monthly statement for 1 billing cycle. 

We may also provide additional redemption options from time to time (“Promotional Redemptions”). Promotional Redemptions are 
offered solely in our discretion, are not guaranteed, and are subject to any limits that we may impose. Promotional Redemptions 
may be withdrawn at any time without notice.  

The  amount  of  points  redeemed  for  a  Reward  will  be  subtracted  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 transaction. We may adjust this amount from time to 
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time.  We  also  may  require  that  redemptions  occur  in  round  increments  that  we  will  set  in  our  discretion  from  time  to  time.  All 
Rewards are subject to availability. We may withdraw, change 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 transactions are final. There are 
no  refunds,  exchanges,  replacements  or  conversions  for  currency,  credits,  points,  or  Rewards.  Point  redemptions  for  Rewards 
may be subject to shipping, handling or other fees, and shipping restrictions may apply. 

The merchants participating in the Program are not affiliated with us nor are these merchants considered sponsors or co-sponsors 
of  the  Program.  All  trademarks  are  the  property  of  their  respective  owners.  The  merchants’  terms  and  conditions  apply  to  their 
respective gift cards/certificates, merchandise and/or services. Upon receiving your Rewards, see each merchant’s specific terms 
and  conditions  for  complete  details,  which  are  subject  to  change  by  the  merchants  at  their  sole  discretion  from  time  to  time, 
subject to applicable law. 

POINT EXPIRATION: Points are redeemed on a first-in, first-out basis and points will expire on or after the third anniversary of 
when they were awarded. 

CHANGES:  We  reserve  the  right  to  change  these  Terms  and  Conditions  and  to  limit,  modify,  delete  or  otherwise  change  any 
aspect of the Program and its rules, restrictions, benefits or features, in whole or in part, including but not limited to suspending or 
terminating all or part of the Program, with or without prior notice (except where required by law). Changes may have a retroactive 
effect. 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 accumulated points previously awarded. An Account is in good standing when no event has 
occurred  that  allows  us  to  require  immediate  payment  of  your  entire  balance  under  the  Cardmember  Agreement,  including, 
without  limitation,  failing  to  make  the  minimum  payment  when  due,  having  a  payment  to  us  denied,  providing  us  false  or 
misleading information, or violating the Cardmember Agreement or any other agreement with us. 

We reserve the right to disqualify or remove any person or Account from participation in the Program, refuse to award or redeem 
points, or close your Account at any time, for any reason including, but not limited to, your Account being inactive (as such term is 
defined by us from time to time). If such a disqualification is temporary, it may result in the forfeiture of any accumulated points. If 
such a disqualification is permanent, it will result in the forfeiture of any accumulated points. Closing your Account (by you or by 
us) will result in the termination of your enrollment in the Program and any accumulated points will be forfeited. 

Union Bank Rewards Visa Card  Zero In Promo – Web 01/18 

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