EFFECTIVE FEBRUARY 19, 2019 Personal Accounts & Services Disclosure and Agreement HOW TO CONTACT US If you have any questions about this Account Agreement or any Union Bank® products and services, we’re here to answer them. When you need to: • Report a lost or stolen ATM Card or Debit Card, compromised PIN, or Online Banking access code (call us immediately) • Check account balance and rate information • Find out if a direct deposit has been made • Report errors concerning ATM Card, Debit Card, ACH or online transactions, or check conversion • Stop payment on checks • Cancel an online bill payment • Place a postdated check stop payment • Cancel a preauthorized electronic payment (ACH) • Request a refund involving a loss from a check or substitute check • Ask about any other electronic transactions • Use or ask about Telephone Banking Domestic and Foreign Wires • Report a wire transfer error The Private Bank Client Service Priority Banking® Client Services Japanese Customer Service Unit Individual/Small Business Retirement Accounts – Retirement Plan Center Union Bank Credit Card • Make a payment • Report lost/stolen Contact us at: Retail Customer Service 1-800-238-4486 Automated Telephone Banking service: 24 hours, 7 days a week Agent assisted service: 7:00 a.m.–9:00 p.m., Monday–Friday 8:00 a.m.–5:00 p.m., Saturday (Pacific Time), except federal holidays Telephone Banking for hearing impaired: Relay Service dial 7-1-1, provide Relay Operator with 1-800-238-4486 Teletypewriter (TTY) 1-800-826-7345 Union Bank Wire Services Department 1980 Saturn St. V02-490 Monterey Park, CA 91755-7417 Contact the originating branch or office, or you can contact Customer Service at 1-800-238-4486. Direct Access customers: 1-800-922-9473 7:30 a.m.–5:00 p.m., Monday–Friday (Pacific Time) 1-888-826-2669 7:00 a.m.–9:00 p.m., Monday–Friday 8:00 a.m.–5:00 p.m., Saturday (Pacific Time), except federal holidays 1-800-888-6466 7:00 a.m.–9:00 p.m., Monday–Friday 8:00 a.m.–5:00 p.m., Saturday (Pacific Time), except federal holidays 1-877-479-5237 (from the U.S.) or 323-720-7554 (from Japan) 8:00 a.m.–5:00 p.m., Monday–Friday (Pacific Time), except federal holidays Union Bank Retirement Plan Center P.O. Box 60319, Los Angeles, CA 90060 1-800-304-3854 (option 1) 8:00 a.m.–5:00 p.m., Monday–Friday (Pacific Time), except federal holidays TDD Telephone Banking for hearing impaired: Relay Service dial 7-1-1, provide Relay Operator with 1-800-304-3854 Union Bank Card Services 1-888-642-3311. Available 24/7 Telephone Banking for hearing impaired: Relay Service dial 7-1-1, provide Relay Operator with 1-888-642-3311 Teletypewriter (TTY) 1-800-826-7345 Or visit mycreditcard.unionbank.com TABLE OF CONTENTS ALL ABOUT YOUR PERSONAL ACCOUNT AGREEMENT .............................................................1 DEFINITIONS YOU SHOULD KNOW .....................................2 USING YOUR ACCOUNT ...........................................................5 Deposits .............................................................................................5 Funds Availability Policy ................................................................7 Mobile Check Deposits................................................................ 9 Interest ..............................................................................................10 Withdrawals .....................................................................................11 Available Balance Determination and Use............................15 How Transaction Authorizations for ATM and Debit Card Transactions May Lead to Overdraft Fees ..............16 Transaction Posting Order...........................................................17 Overdrafts ........................................................................................17 Overdraft Services .......................................................................19 Processing Order for Multiple Overdraft Services ............27 Fees ...................................................................................................27 Electronic Funds Transfers ....................................................... 28 Consumer Foreign Wire Remittance Transfers .................29 Confidentiality...............................................................................29 Wires/Funds Transfer Orders ...................................................38 DISPUTE RESOLUTION........................................................... 40 [PLEASE NOTE: IF THERE IS A DISPUTE BETWEEN YOU AND THE BANK, IT MAY BE RESOLVED THROUGH ARBITRATION OR JUDICIAL REFERENCE, RATHER THAN BY A JURY TRIAL.] Resolution of Claims by Arbitration ...................................... 40 Option to Arbitrate...................................................................... 40 Claims Covered ........................................................................... 40 Claims Not Covered .....................................................................41 Arbitration Procedure ..................................................................41 Arbitration Costs .......................................................................... 42 Applicable Law; Severance ...................................................... 42 ADDITIONAL TERMS AND CONDITIONS ........................43 Account Information Reporting ..............................................43 Account Ownership ....................................................................43 “Pay-on-Death” Account Designation ....................................44 Additions or Changes in Account Terms .............................44 Adjustments ...................................................................................44 Changing Account Types .........................................................45 Changes in Account Ownership or Address......................45 Changes in Authorized Signers for an Account ................45 Checks .............................................................................................46 Communicating with You .......................................................... 51 Compliance with Applicable Law .......................................... 52 Conflicting Claims to Account Ownership or Control ....................................................................................53 Consent for Us to Collect Information .................................53 Cutoff Hours ..................................................................................54 Death or Legally Declared Incompetence ..........................54 Deposit Insurance .......................................................................54 Duty of Care ................................................................................... 55 Facsimile Signatures ................................................................... 55 Fax, Voice Mail, and Email .........................................................56 Forces Beyond Our Control (Force Majeure) ......................56 Governing Law ..............................................................................56 Inactive Accounts .........................................................................57 Indemnification .............................................................................57 International Transactions ..........................................................57 Legal Process ................................................................................59 Limitation on Time to Bring Action ........................................59 New Account Verification .........................................................59 Photocopies ...................................................................................59 Power of Attorney ....................................................................... 60 Privacy and Release of Information to Others .................. 60 Purchase of Monetary Instruments ...................................... 60 Returned Items or Transactions ...............................................61 Safe Deposit Box Service ...........................................................61 Security Interest ........................................................................... 62 Services for Disabled Customers ........................................... 62 Setoff ............................................................................................... 62 Severability ..................................................................................... 62 Stale-Dated (Old) Checks ......................................................... 62 Statements and Notices ............................................................63 Stop Payment Orders .................................................................64 Sub-Accounts ...............................................................................65 Tax Reporting .................................................................................65 Termination or Closing Your Account ...................................66 Transferring or Assigning Rights to Your Account ............66 Unauthorized Transactions and Errors .................................66 Waivers ............................................................................................68 Withholding of Income Tax ......................................................68 ALL ABOUT YOUR PERSONAL ACCOUNT AGREEMENT Welcome to MUFG Union Bank, N.A. When you open your account with us, you’ll receive this Personal Accounts & Services Disclosure formerly All About Personal