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They picked up my mortgage loan after I'd paid six months on it; apparently they're moving more of their money back into the American market.

I've never heard of Union Bank either. Where are they from/based?
please be a 3% card! please please please!!! =p
They used to call themselves Union Bank of California when I banked with them, so my assumption is they're based here in CA but don't know for certain.
They are a subsidary of Mitsubishi UFJ Financial Group out of Japan.
In Cali for the same reason JCB is, lot of expats here
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