CONSENT TO RECEIVE ELECTRONIC DISCLOSURESIMPORTANT INFORMATION
Read Carefully and Print or Retain a Copy for Your Records
This Consent to Receive Electronic Disclosures notice provided by First Hawaiian Bank informs you of your rights when
receiving legally required information and disclosures electronically.
To enroll in and use FHB Online, you must consent to First Hawaiian Bank providing you important information anddisclosures electronically. If you do not consent to receiving disclosures electronically, you will not be able to enroll in or use
FHB Online. Please contact any First Hawaiian Bank branch for information on other services such as telephone banking
to make your banking more convenient.
If you consent to receive disclosures and other important information in electronic format, your consent applies only to youruse of FHB Online. If you decide to withdraw your consent to receiving disclosures electronically, this will terminate youruse of FHB Online. You can terminate your use of FHB Online by sending us a message through the FHB Online service
or by writing to us at First Hawaiian Bank, FHB Online, P.O. Box 1959, Honolulu, HI 96805-1959.
Disclosures concerning FHB Online required by federal and state law will be provided to you in electronic format as long as
you are enrolled in FHB Online. Disclosures provided in electronic format will include the initial terms and conditions of youruse of FHB Online, as well as notices of changes to the disclosures previously provided. Responses to questions about
your account may also be provided electronically or on paper.
To receive and retain information and disclosures in electronic format, you will need a computer and printer; an internet
connection and an up-to-date internet browser that supports the latest encryption standards; software that reads anddisplays .pdf files (such as Adobe Reader), and an email address where disclosures can be sent in electronic format. In
order to keep copies for your records, you will need access to a printer or have the ability to download information.
You may request a written (non-electronic) copy of any disclosures provided to you electronically by writing to First Hawaiian
Bank, FHB Online, P.O. Box 1959, Honolulu, HI 96805-1959.
First Hawaiian Bank may respond to your inquiries electronically. Please keep your email address current in FHB Online bygoing to “Settings” then “Profile” to update your email address information.
By clicking “I Accept” at the end of these FHB Online Terms and Conditions, or “I Accept” in the FHB Mobile App, you
acknowledge (i) you have read and understand the consent, (ii) your agreement and consent to receive disclosures inelectronic format is for your enrollment in and use of FHB Online only, and (iii) you can access these disclosures in anelectronic form.

© First Hawaiian Bank (08.14.2023)

FHB ONLINE TERMS AND CONDITIONSCONTENTSINTRODUCTION ............................................................................................................................................... 1
1.

About this Agreement. ............................................................................................................................................................ 1

2.

Your Agreement. .................................................................................................................................................................... 1

3.

Other FHB Agreements. ......................................................................................................................................................... 1

DEFINITIONS .................................................................................................................................................... 1
WHAT YOU CAN DO WITH FHB ONLINE ....................................................................................................... 3
4.

Use Generally......................................................................................................................................................................... 35.

Services.................................................................................................................................................................................. 3

SYSTEM REQUIREMENTS .............................................................................................................................. 3
6.

Equipment and Services......................................................................................................................................................... 3

7.

Your Responsibility and Assumption of Risk. ......................................................................................................................... 4

JOINT ACCOUNTS OR ACCOUNTS WITH MULTIPLE AUTHORIZED SIGNERS .......................................... 4
8.

Authority of Other Persons. .................................................................................................................................................... 4

SECURITY AND CREDENTIALS ..................................................................................................................... 4
9.

Password and Security. .......................................................................................................................................................... 4

10.

Fraud Services. ...................................................................................................................................................................... 4

ACCOUNT BALANCES, ACCOUNT STATEMENTS, AND CHECKIMAGE ..................................................... 4
11.

Account Balances. .................................................................................................................................................................. 4

12.

Your Account Statements. ...................................................................................................................................................... 4

13.

CheckImage. .......................................................................................................................................................................... 4

ELECTRONIC STATEMENTS (DEPOSIT, CREDIT CARD, AND MORTGAGE ACCOUNTS) ......................... 4
14.

Who Can Request Electronic Statements. ............................................................................................................................. 4

15.

Types of Accounts with Electronic Statements. ...................................................................................................................... 4

16.

Statement Election. ................................................................................................................................................................ 517.

Paper Statement Fee. ............................................................................................................................................................ 5

18.

Cleared Check Images; CheckStorage. ................................................................................................................................. 5

19.

All Other Statement Requirements Continue to Apply. ........................................................................................................... 5

20.

Notification via Email. ............................................................................................................................................................. 521.

Termination of Electronic Statements by You......................................................................................................................... 5

22.

Termination of Electronic Statements by Us........................................................................................................................... 5

TRANSFERS AND PAYMENTS, GENERALLY................................................................................................ 5
23.

Maximum Transfer Amounts. ................................................................................................................................................. 5

24.

Other Limitations on Transfers. .............................................................................................................................................. 5

25.

Transfers From Credit Card or Line of Credit Accounts.......................................................................................................... 6

26.

Transfers To Credit Card or Loan Accounts. .......................................................................................................................... 627.

Transfers That Cannot Be Completed. ................................................................................................................................... 628.

Stopping Online Transfers and Payments. ............................................................................................................................. 629.

Service Providers. .................................................................................................................................................................. 630.

Taxes...................................................................................................................................................................................... 6© First Hawaiian Bank (4.1.2024) ....................................................................................................................................................................................... i31.

Failed or Returned Payment Instructions. .............................................................................................................................. 6

32.

Receipts and Transaction History. .......................................................................................................................................... 6

INTERNAL TRANSFERS & MAKE AN FHB PAYMENT .................................................................................. 633.

How We Process Internal Transfer and Make an FHB Payment Requests; Your Responsibility. .......................................... 6

34.

Timing of Internal Transfers and Make an FHB Payment. ...................................................................................................... 7

35.

Scheduled Internal Transfers or Make an FHB Payment (Single or Recurring Transfers). .................................................... 7

EXTERNAL TRANSFERS ................................................................................................................................ 736.

Description of External Transfer Service; Authorization and Processing. ............................................................................... 7

37.

Transfer Methods and Amounts. ............................................................................................................................................ 838.

Transfer Cancellation Requests. ............................................................................................................................................ 839.

Stop Payment Requests. ........................................................................................................................................................ 840.

Refused Transfers. ................................................................................................................................................................. 841.

Returned or Failed Transfers.................................................................................................................................................. 8

BILL PAYMENT SERVICE ............................................................................................................................... 8
42.

Generally; Definitions. ............................................................................................................................................................ 8

43.

Payment Scheduling. ............................................................................................................................................................. 844.

Bill Payment Service Guarantee. ............................................................................................................................................ 8

45.

Payment Authorization and Payment Remittance. ................................................................................................................. 846.

Payment Cancellation Requests. ........................................................................................................................................... 947.

Stop Payment Requests. ........................................................................................................................................................ 948.

Exception Payments Requests. .............................................................................................................................................. 949.

Bill Delivery and Presentment. ............................................................................................................................................... 9A.

Presentation of Electronic Bills. ................................................................................................................................... 9

B.

Paper Copies of Electronic Bills. ................................................................................................................................. 9C.

Sharing Information with Billers. .................................................................................................................................. 9

D.

Information Held by Biller. ........................................................................................................................................... 9E.

Activation. ................................................................................................................................................................... 9F.

Authorization to Obtain Bill Data. ................................................................................................................................ 9G.

Notification. ................................................................................................................................................................. 9

H.

Cancellation of Electronic Bill Notification. .................................................................................................................. 9I.

Non-Delivery of Electronic Bill(s). .............................................................................................................................. 10

J.

Accuracy and Dispute of Electronic Bill. .................................................................................................................... 1050.

Service Fees and Additional Charges. ................................................................................................................................. 1051.

Biller Limitation. .................................................................................................................................................................... 1052.

Returned Payments. ............................................................................................................................................................. 1053.

Bill Payment Information Authorization. ................................................................................................................................ 10

ZELLE AND OTHER PAYMENT SERVICES ADDITIONAL TERMS ............................................................ 10®

54.

Description of Service........................................................................................................................................................... 10

55.

Payment Authorization and Payment Remittance. ............................................................................................................... 11

56.

Sending Payments. .............................................................................................................................................................. 1257.

Receiving Payments. ............................................................................................................................................................ 13

58.

Requesting Payments. ......................................................................................................................................................... 13

59.

Payment Cancellation, Stop Payment Requests and Refused Payments. ........................................................................... 14

60.

Consent to Emails and Automated Text Messages .............................................................................................................. 14

61.

Service Fees and Additional Charges. ................................................................................................................................. 14© First Hawaiian Bank (4.1.2024) .......................................................................................................................................................................................ii

62.

Refused Payments. .............................................................................................................................................................. 1563.

Returned Payments. ............................................................................................................................................................. 1564.

Consent to Share Personal Information (including Account Information). ............................................................................ 15

65.

Wireless Operator Data. ....................................................................................................................................................... 15

66.

Liability. ................................................................................................................................................................................ 1567.

Disclaimer of Warranties. ..................................................................................................................................................... 15

68.

Limitation of Liability. ............................................................................................................................................................ 15

69.

Indemnification. .................................................................................................................................................................... 16

70.

Use of Our Online Banking Site and/or Mobile App. ............................................................................................................. 1671.

Your Liability for Unauthorized Transfers. ............................................................................................................................ 16

72.

Content Standards; Zelle® Tags. .......................................................................................................................................... 16

73.

Arbitration. ............................................................................................................................................................................ 16

74.

Zelle® Marks. ........................................................................................................................................................................ 16

FHB MOBILE BANKING ................................................................................................................................. 17
75.

Generally. ............................................................................................................................................................................. 1776.

Privacy and User Information. .............................................................................................................................................. 1777.

Apple® Touch ID™ and Face ID™ for Mobile Banking. ........................................................................................................ 1778.

Android® Fingerprint Login for Mobile Banking. .................................................................................................................... 17

MOBILE DEPOSIT SERVICE ......................................................................................................................... 17
79.

Generally. ............................................................................................................................................................................. 1780.

Service Eligibility. ................................................................................................................................................................. 17

81.

Service Requirements and Limitations. ................................................................................................................................ 17

82.

Eligible and Ineligible Items. ................................................................................................................................................. 1783.

Endorsements. ..................................................................................................................................................................... 1884.

Creation and Transmission of Check Images. ...................................................................................................................... 18

85.

Prohibition on Duplicate Deposits. ........................................................................................................................................ 18

86.

Receipt of Items. .................................................................................................................................................................. 18

87.

Review of Items. ................................................................................................................................................................... 18

88.

Availability of Funds. ............................................................................................................................................................ 18

89.

Status Information Provided by the FHB Mobile App. .......................................................................................................... 18

90.

Disposal of Transmitted Items. ............................................................................................................................................. 19

91.

Errors.................................................................................................................................................................................... 19

92.

Chargebacks. ....................................................................................................................................................................... 19

93.

Terms. .................................................................................................................................................................................. 19

94.

Your Promises and Indemnification. ..................................................................................................................................... 1995.

Cooperation with Investigations. ........................................................................................................................................... 19

96.

Change, Suspension or Discontinuance of Service. ............................................................................................................. 19

MANAGE YOUR FINANCES SERVICE .......................................................................................................... 19
97.

Generally. ............................................................................................................................................................................. 19

98.

Provide Accurate Information. .............................................................................................................................................. 19

99.

Content You Provide; Use of Your Personal Information and Data. ..................................................................................... 19100.

Authority to Access Information. ........................................................................................................................................... 20

101.

Privacy and Security. ............................................................................................................................................................ 20

102.

Third-Party Accounts. ........................................................................................................................................................... 20

103.

Insights. ................................................................................................................................................................................ 20© First Hawaiian Bank (4.1.2024) ...................................................................................................................................................................................... iii

104.

Limitations of Services.......................................................................................................................................................... 20

105.

Termination. ......................................................................................................................................................................... 20

106.

Anonymized Data. ................................................................................................................................................................ 21107.

Your Conduct. ...................................................................................................................................................................... 21

MANAGE CARD ACCOUNT........................................................................................................................... 21
108.

Generally. ............................................................................................................................................................................. 21

109.

Limitations. ........................................................................................................................................................................... 21

ALERTS/NOTIFICATIONS ............................................................................................................................. 21
110.

Generally. ............................................................................................................................................................................. 21

111.

Methods of Delivery. ............................................................................................................................................................. 21

112.

Text Messages. .................................................................................................................................................................... 22

113.

Limitations. ........................................................................................................................................................................... 22

114.

Alerts Not Encrypted. ........................................................................................................................................................... 22

PRIORITY REWARDS & PRIORITY DESTINATIONS BUSINESS CREDIT CARDHOLDERS ONLY ........... 22
115.

Generally; Limitations. .......................................................................................................................................................... 22

ENTITLEMENTS FOR BUSINESS CUSTOMERS .......................................................................................... 22
116.

Generally. ............................................................................................................................................................................. 22117.

Sub-User Authorization. ....................................................................................................................................................... 23118.

Sub-User Appointments. ...................................................................................................................................................... 23

119.

Your Responsibility. .............................................................................................................................................................. 23

120.

Modifying or Revoking Sub-User Authorization. ................................................................................................................... 23

121.

Our Termination of Sub-User Authority. ............................................................................................................................... 23

FEES ............................................................................................................................................................... 24
122.

Monthly Fees. ....................................................................................................................................................................... 24

123.

Other FHB Fees Apply. ........................................................................................................................................................ 24

124.

Other Third-Party Fees. ........................................................................................................................................................ 24

NOTICES TO US; ERROR RESOLUTION PROCEDURES FOR CONSUMER ACCOUNTS ......................... 25125.

In Case of Errors or Questions About Your Electronic Transfers. ........................................................................................ 25

126.

Your Liability for Unauthorized Transfers. ............................................................................................................................ 25

127.

Our Liability for Failure to Complete Transactions. ............................................................................................................... 25

128.

Consumer Users and Accounts Only. .................................................................................................................................. 26

129.

Notices to Us. ....................................................................................................................................................................... 26

MESSAGE SYSTEM AND OTHER COMMUNICATIONS ............................................................................... 26
130.

Use Messages Only For Non-Urgent Communications. ....................................................................................................... 26

131.

Limitations of the Message System. ..................................................................................................................................... 26

132.

Text Messages, Calls and/or Emails to You. ........................................................................................................................ 26

SYSTEM UNAVAILABILITY, CUTOFF TIMES & ACCOUNT UPDATES ....................................................... 26
133.

System Unavailability. .......................................................................................................................................................... 26

134.

Cutoff Times. ........................................................................................................................................................................ 26

135.

Deposit and Loan Accounts.................................................................................................................................................. 27

136.

Investment and Trust Account Updates................................................................................................................................ 27

137.

Insurance Policy Valuation Information. ............................................................................................................................... 27

138.

Non-Liability.......................................................................................................................................................................... 27© First Hawaiian Bank (4.1.2024) ...................................................................................................................................................................................... iv

PRIVACY AND USE OF YOUR PERSONAL INFORMATION ........................................................................ 27
139.

Your Privacy. ........................................................................................................................................................................ 27

140.

Disclosure of Account Information to Third Parties. .............................................................................................................. 27

141.

Information Authorization...................................................................................................................................................... 27
A.

Mobile Subscriber Information. ................................................................................................................................. 27

B.

Device Data. ............................................................................................................................................................. 27

142.

Our Reserved Rights. ........................................................................................................................................................... 27

143.

Privacy of Others. ................................................................................................................................................................. 28

TERMINATION OF FHB ONLINE ENROLLMENT OR ACCOUNTS .............................................................. 28
144.

Termination, Cancellation, or Suspension. ........................................................................................................................... 28

145.

Effect of Closing Accounts.................................................................................................................................................... 28

CHANGES TO THIS AGREEMENT AND THE SERVICES............................................................................. 28
146.

Our Rights. ........................................................................................................................................................................... 28

147.

Notice of Changes. ............................................................................................................................................................... 28

148.

Notices to You. ..................................................................................................................................................................... 28

DISCLAIMER OF WARRANTIES, INDEMNIFICATION, RELEASE, AND LIMITATION OF LIABILITY ......... 28
149.

No Warranties. ..................................................................................................................................................................... 28

150.

Indemnification. .................................................................................................................................................................... 29

151.

Release. ............................................................................................................................................................................... 29

152.

No Waiver............................................................................................................................................................................. 29

153.

Limitation of Liability. ............................................................................................................................................................ 29

AGREEMENT TO ARBITRATE CLAIMS ........................................................................................................ 29
154.

Generally. ............................................................................................................................................................................. 29155.

Your Right to Opt Out. .......................................................................................................................................................... 30

156.

Agreement to Arbitrate Claims. ............................................................................................................................................ 30

157.

Class Action Waiver. ............................................................................................................................................................ 30

158.

Electing Arbitration. .............................................................................................................................................................. 30

159.

Arbitration Administrator and Rules. ..................................................................................................................................... 30

160.

Arbitration Costs. .................................................................................................................................................................. 30

161.

Place of Arbitration. .............................................................................................................................................................. 30

162.

Law Applied by Arbitrator. .................................................................................................................................................... 30

163.

Governing Law. .................................................................................................................................................................... 31

164.

Arbitration Results and Right of Appeal. ............................................................................................................................... 31

165.

Survival and Severability. ..................................................................................................................................................... 31

166.

Right to Opt Out of Arbitration. ............................................................................................................................................. 31

OTHER IMPORTANT TERMS ........................................................................................................................ 31
167.

Prohibited Payments. ........................................................................................................................................................... 31

168.

Acceptable Use. ................................................................................................................................................................... 31

169.

Prohibited Communications on FHB Online. ........................................................................................................................ 32

170.

Payment Methods and Amounts. ......................................................................................................................................... 32

171.

General Prohibitions. ............................................................................................................................................................ 32

172.

Monitoring/Recording Telephone Calls. ............................................................................................................................... 32

173.

Emergency Situation. ........................................................................................................................................................... 32

174.

Intellectual Property. ............................................................................................................................................................. 32

175.

Improper Use........................................................................................................................................................................ 32© First Hawaiian Bank (4.1.2024) ...................................................................................................................................................................................... v

176.

Eligibility. .............................................................................................................................................................................. 33

177.

Our Remedies. ..................................................................................................................................................................... 33

178.

Services Disclaimer. ............................................................................................................................................................. 33

179.

No Obligation........................................................................................................................................................................ 33

MISCELLANEOUS ......................................................................................................................................... 33
180.

Address or Banking Changes. .............................................................................................................................................. 33

181.

Assignment........................................................................................................................................................................... 33

182.

Governing Law and Jurisdiction. .......................................................................................................................................... 33

183.

Export Restrictions. .............................................................................................................................................................. 33

184.

Enforcing this Agreement. .................................................................................................................................................... 33

185.

Headings. ............................................................................................................................................................................. 33

186.

WAIVER OF JURY TRIAL AND CLASS ACTION. ............................................................................................................... 33© First Hawaiian Bank (4.1.2024) ...................................................................................................................................................................................... vi

FHB ONLINE TERMS AND CONDITIONSINTRODUCTION___________________________________________________________________________________________________________
1.

About this Agreement. This document, and any supplements or amendments made from time to time (collectively, this“Agreement”), make up the FHB Online Terms and Conditions that sets forth your rights and responsibilities as to the FHB Online
website, FHB Mobile Banking, and for Business Customers, FHB Online Business (collectively, “FHB Online”).

2.

Your Agreement. By using FHB Online, or by authorizing someone else to use FHB Online on your behalf, you agree to be boundby all the terms of this Agreement.

3.

Other FHB Agreements. This Agreement supplements, but does not replace, the terms and conditions of any other agreement thatyou have with us (collectively, “Other FHB Agreements”), including but not limited to the following (together with any and all fee andother schedules, addenda, notices of changes of terms or conditions, modifications, and other documents given to you in connection
therewith):•

Deposit agreements, including the Deposit Account Rules and Regulations and your signature card (collectively, the “Deposit
Agreements”),•

Credit agreements for FHB loan accounts (collectively, the “Credit Agreements”),•

Investment agreements for FHB investment accounts,•

Trust agreements for FHB trust accounts,•

Insurance policies purchased through FHB (collectively, the “Insurance Policies”), or•

Yes-Check Reserve Line of Credit Account Agreement for any Yes-Check account (“Yes-Check Account”) that you have with
FHB.

If there is any conflict between the terms of the Other FHB Agreements and this Agreement as to anything in FHB Online, thisAgreement will control.

DEFINITIONS___________________________________________________________________________________________________________“Account” or “Accounts” mean any and all of the following: each and every type of deposit account that you maintain with us, including
checking, savings, money market savings, money market checking, Christmas club, certificate of deposit, and individual retirement
accounts (collectively, the “Deposit Accounts”); each and every type of loan account that you maintain with us, including personal loan,credit card, mortgage, line of credit and overdraft line of credit accounts (collectively, the “Loan Accounts”); each and every type ofinvestment account that you maintain with us (collectively, the “Investment Accounts”); each and every type of trust account that you
maintain with us (collectively, the “Trust Accounts”), and each and every type of Insurance Policy.
“ACH Network” means the funds transfer system, governed by the NACHA Rules, that provides funds transfer to participating financial
institutions.
“Affiliates” are companies related by common ownership or control. For the avoidance of doubt, “Affiliates” includes parent companies
and subsidiaries.
“Alerts” is a term defined in Section 110 below.
“Arbitration Notice Address” is a term defined in Section 158 below.
“Arbitration Opt Out Notice” is a term defined in Section 166 below.
“Arbitration Provision” is a term defined in Section 154 below.
“Biller” means the retailer, public utility, financial institution, medical service provider, or other person, company, or other organization
to which you wish to direct or have directed an Online Payment.
“Billing Account” is the checking account from which the Bill Payment Service fees will be automatically debited.
“Business Customer” means an FHB Online user who is a corporation, partnership, limited liability company, or other businessorganization or entity, or a natural person if the Account from which the transfers or payments will be made is maintained primarily forother than personal, family, or household purposes.
“Business Day” is every Monday through Friday, excluding Federal Reserve holidays or other days that banks are legally closed.
“Claims” is a term defined in Section 156 below.
“Computer Equipment” is a term defined in Section 6 below.
“Cutoff time” is a term defined in Section 134 below.
“DPR” is a term defined in Section 159 below.
“Due Date” is the date reflected on your Biller statement for which the payment is due, not the late payment date or the date beginningor a date during any grace period.

© First Hawaiian Bank (4.1.2024) ...................................................................................................................................................................................... 1

“Eligible Accounts” are accounts that may be viewed and/or accessed via FHB Online, including checking, savings, money market
savings, money market checking, Christmas club, certificate of deposit, credit card, mortgage, personal loan, line of credit, individual
retirement account, overdraft line of credit, certain investment accounts, certain trust accounts, and certain insurance policies. An
Account that requires two or more signatures to make withdrawals or advances will not be considered an Eligible Account. Certain
Services are available only with certain types of Eligible Accounts.
“Eligible Transaction Account” is a transaction account from which your payments will be debited, your Service fees, if any, will be
automatically debited, or to which payments and credits to you will be credited, that is eligible for the Service. Depending on the Service,an Eligible Transaction Account may include a checking, money market or other direct deposit account, credit card account, or loanaccount, including any required routing information. An Eligible Transaction Account may be further defined and described in connection
with a specific Service.
As to the Bill Payment and Zelle® Service terms below, an Eligible Transaction Account shall be limited to a checking accountthat you hold with us, from which bill payments will be debited, or from which Zelle® payments may be debited or credited.
As to the External Transfers Service terms below, an Eligible Transaction Account shall be limited to savings, checking or money
market accounts that you hold with us, from which funds may be debited, and savings, checking, money market, credit card,
mortgage, loan, or line of credit accounts that you hold with us, to which funds may be credited.
“Exception Payments” means payments to deposit accounts or brokerage accounts, payments to settle securities transactions(including, without limitation, stocks, bonds, securities, futures (forex), options, or an investment interest in any entity or property).
“External Account” is your account at another financial institution (i) to which you are transferring funds from your Eligible Transaction
Account; or (ii) from which you are transferring funds to your Eligible Transaction Account. Note: eligibility of accounts at other financial
institutions to send or receive funds depends on the rules of such other financial institution and may vary.
“External Transfer Instruction” is a specific Payment Instruction that you provide to the External Transfer Service for a transfer of funds
to an External Account.
“FHB Mobile Banking” refers to the Services that are available through the FHB Mobile App.
“FHB Online” is a term defined in Section 1 above.
“FHB Online Business” refers to the Services available to Business Customers, which are bundled in FHB Online Business Basic andFHB Online Business Banking products.
“Insights” is a term defined in Section 103 below.
“Local Time” means the time observed in the location where the originating Account was opened, except for credit cards, mortgage
accounts and the accounts opened online in which cases the Local Time will be Hawaii Standard Time regardless of where such credit
cards, mortgage accounts or accounts opened online were opened.
“Mobile Device” means a mobile computing device, including a mobile phone, smartphone (e.g. iPhone and Android-powered phones),
and tablet computer (e.g. iPad).
“Network Financial Institutions” means financial institutions that have partnered with Zelle ®.
“Secure Access Code” refers to a feature whereby a verification code is sent to a phone number that is associated with a user’s login
credentials (i.e., username and password) as an added way of confirming the user’s identity for certain online transactions or activities.
“Online Banking” refers to online and mobile banking services available to consumers at no cost, including viewing balance andtransaction information, transferring funds, Alerts and Manage Your Finances Services.
“Payment Account” refers to any FHB checking account, from which you may make payments using Bill Payment or Zelle® Payment
Service.
“Payment and External Transfer Services” is a term defined in Section 29 below.
“Payment Instruction” is the information provided for a payment to be made under the applicable Service, which may be further definedand described in connection with a specific Service.
As to the Bill Payment Service terms below, a Payment Instruction is further defined as the information provided by you to theBill Payment Service for a bill payment to be made to Biller (such as, but not limited to, Biller name, Biller account number, andScheduled Payment Date).
“Payment Network” means a debit or credit network (such as the ACH Network or ACCEL / Exchange payment network) through whichfunds may be transferred.
“Zelle® Payment Request” means functionality that, if provided to you, allows a Requestor to request that another individual initiate a
Payment Instruction to the Requestor through the Zelle® Service.
“Privacy Policy” means the First Hawaiian Bank Privacy Policy.
“Receiver” is a person or business entity that is sent a Payment Instruction through the Zelle® and Other Payment Services.
“Requestor” is a person that requests an individual to initiate a Payment Instruction through the Zelle® and Other Payment Services.
“Scheduled Payment” is a payment that has been scheduled through the Bill Payment Service but has not begun processing.

© First Hawaiian Bank (4.1.2024) ...................................................................................................................................................................................... 2

“Scheduled Payment Date” is the day you want your Biller to receive your bill payment, unless the Scheduled Payment Date falls on a
non-Business Day in which case it will be considered to be the previous Business Day.
“Sender” is a person or business entity that sends a Payment Instruction through the Zelle® and Other Payment Services.
“Service” means, individually and collectively, all of the Services described in Section 5 below, and any additional online, mobile, voice
and similar banking services we provide in the future.
“Service Provider” mean companies that we have engaged (and their Affiliates) to render some or all of a Service to you on our behalf.
“Site” means the FHB Online website or mobile applications.
“User” means you and others who are enrolled directly with Zelle® or enrolled with another financial institution that partners with Zelle ®.
“We,” “our,” “us,” “Bank,” “FHB,” or “First Hawaiian” mean First Hawaiian Bank.
“You” or “your” means each person who has enrolled in our FHB Online service with respect to Accounts standing in the enrollee’s
name.
“Zelle®” means the Zelle Network®.
“Zelle® Small Business Service” means functionality, to the extent made available by us, that enables a small business User to (i) send
Zelle® Payment Requests through the Zelle® Payment Service, and (ii) send and receive Payment Instructions through the Zelle ® andOther Payment Services. Users that access the Zelle® and Other Payment Services through a business account shall be classified as
Zelle® Small Business Service Users. The Zelle® Small Business Service is included in the definition of “Zelle® Payment Service”.

WHAT YOU CAN DO WITH FHB ONLINE___________________________________________________________________________________________________________
4.

Use Generally. You can access the features of FHB Online directly through our website, through our Mobile App, or you can use
Quicken or Quickbooks to access certain features of FHB Online. The way you access FHB Online could result in differences in how
FHB Online functions, and the fees you will be charged.

5.

Services. FHB Online includes the following services, some of which are available only with certain types of Accounts, software or
devices and described below:“Bill Payment,” and “Bill Payment Service,” allow you to receive, view, and pay bills from FHB Online.
“CheckImage Service,” allows you to view and print online images of certain cleared checks.
“Entitlements,” allows Business Customers to appoint sub-user access to employees, an accountant, or others.
“External Transfer Service,” allows you to transfer funds between your Accounts at FHB and your accounts at other financial
institutions. Specifically, the External Transfer Service may be used to transfer funds from an FHB savings, checking or money
market account to an External Account, or from an External Account to an FHB savings, checking, money market, mortgage, credit
card, loan, or line of credit account.
“FHB Mobile App,” allows you to perform your banking using a software application designed specifically for any compliant Mobile
Device.
“Internal Transfer,” allows you to transfer funds between certain FHB Accounts. Specifically, Internal Transfer may be used to transfer
funds from your FHB checking, savings, FHB credit card or line of credit accounts to your FHB checking or savings account.
“Make an FHB Payment,” allows you to transfer funds from your FHB checking or savings account to your FHB credit card, mortgage,loan or line of credit account. Specific payment options may be available depending on what type of account you are paying. For
mortgage, loan or line of credit accounts, a regular payment must be completed before additional payment types can be made suchas principal or interest payments. Transfers cannot be made between Loan Accounts.
“Manage Card Account,” is a feature in the FHB Mobile App that allows users to perform certain actions, including activating cards,
viewing electronic statements, and placing travel notices. This feature is only available to personal credit cards, small business nonroll-up credit cards and debit card holders.
“Messages,” allows you to send and receive messages securely to and from us.
“Mobile Deposit Service,” allows you to make deposits to your checking accounts using the FHB Mobile App.
“Manage Your Finances Service,” allows you to consolidate, organize, and track your financial information all in one place.
“Zelle® Payment Service,” allows you to transfer money between you and other Users using aliases, such as email addresses ormobile phone numbers as further described in the Zelle ® and Other Payments Services Additional Terms section below.

SYSTEM REQUIREMENTS___________________________________________________________________________________________________________
6.

Equipment and Services. The computer, Mobile Device, equipment, software and services you use to access FHB Online(collectively referred to as your “Computer Equipment”) are your sole responsibility and expense, including obtaining, installing,
maintaining, and operating your Computer Equipment in accordance with the requirements provided by the respective manufacturers
and service providers. Certain features require additional equipment and services, such as email access, a mobile phone and mobile© First Hawaiian Bank (4.1.2024) ...................................................................................................................................................................................... 3

services, and/or text messaging services (including carrier support of text messaging short codes), all of which you must obtain atyour own expense if you wish to use these additional services.
7.

Your Responsibility and Assumption of Risk. You agree that we are not liable for viruses, worms, Trojan horses, malware or
ransomware attacks, any attack by a person attempting to gain unauthorized access to your Computer Equipment, or other similarharmful components or acts that may affect or cause damage to your Computer Equipment that may result, directly or indirectly, fromyour use of FHB Online, including but not limited to downloading information, software, or the materials from our website or any
website(s) linked to our site. We are not responsible for any errors or failures or any malfunction of your Computer Equipment, or
network problems or other technical difficulties you might encounter when you use FHB Online. We will not be responsible or liable
for any damages (whether direct, indirect, incidental, or consequential) that may result from such harmful consequences.

JOINT ACCOUNTS OR ACCOUNTS WITH MULTIPLE AUTHORIZED SIGNERS___________________________________________________________________________________________________________
8.

Authority of Other Persons. If your Eligible Account is owned by more than one person, or has more than one authorized signer,
each person individually may provide us with instructions, make any decision, obtain any information or make any request associatedwith the Eligible Account and related FHB Online Services, to the extent allowed by agreements covering the Eligible Account. We
may rely and act on the instructions of any one accountholder or authorized signer and you agree that we will not be responsible or
liable for any losses or damages arising out of such instructions.

SECURITY AND CREDENTIALS___________________________________________________________________________________________________________
9.

Password and Security. If you are issued or create any password or other credentials to access the Services or the portion of FHB
Online through which the Service is offered, you agree not to give or make available your password or credentials to any unauthorizedindividuals, and you agree to be responsible for all actions taken by anyone to whom you have provided such credentials. If you
believe that your credentials have been lost or stolen or that someone may attempt to use them to access the Site or Service without
your consent, you must inform us at once by calling 808-844-4444 (or 1-888-844-4444 from the continental U.S., Guam or CNMI).
While under certain circumstances you may avoid some or all responsibility or liability for such transactions, such unauthorized use
will, at the least, cause you inconvenience and could cost you money. To help safeguard your Accounts, you should change yourpassword frequently, in accordance with the instructions provided on FHB Online, and you should never write your password
anywhere. You should also change your security information frequently by following the on-screen instructions.

10. Fraud Services. In addition to your credentials, FHB Online may use device intelligence, and Secure Access Code authentication
to help detect and prevent cyber fraud. We have the right, without obligation, to require you to verify your identity using Secure
Access Code authentication for any reason, including without limitation, attempts to access your Accounts from a computer that you
do not ordinarily use, or when the activity on FHB Online appears to be risky. We may share certain personal information and deviceidentifying technical data about you and your devices with our Service Providers who will compare and add device data and fraud
data from and about you and your devices to a database of similar device and fraud information in order to provide fraud management
and prevention services and identify and block access to FHB Online by devices associated with fraudulent or abusive activity. Suchinformation may be used by us and our third-party service providers to provide similar fraud management and prevention services
for services or Web sites not provided by us.

ACCOUNT BALANCES, ACCOUNT STATEMENTS, AND CHECKIMAGE___________________________________________________________________________________________________________
11. Account Balances. Account balances shown will be provisional and subject to reversal if recent deposits have not been finallycollected from the institution upon which the deposited item is drawn or as otherwise described in this Agreement. Account balances
shown for Investment and Trust Accounts may not be real time and might not reflect transactions pending settlement. As a result,the actual balances of your Investment and Trust Accounts might differ from the balances shown through FHB Online at any giventime.
12. Your Account Statements. Transaction and balance information provided via FHB Online will not replace the regular Accountstatements that you receive from us. These statements will, as applicable, reflect FHB Online transactions and state the amount ofeach transaction, the type of transfer, the Account charged or credited, and the name of the payee if a payment is involved. The
information on your electronic or paper statement will control in all disputes concerning the activity on the Account.
13. CheckImage. You may use the CheckImage Service to view and print online images of certain cleared transactions.

ELECTRONIC STATEMENTS (DEPOSIT, CREDIT CARD, AND MORTGAGE ACCOUNTS)___________________________________________________________________________________________________________
14. Who Can Request Electronic Statements. You may request electronic statements after you enroll in FHB Online and you provide
us with a current email address. If you have a joint account, any one of the accountholders can request electronic delivery of thestatement and also terminate electronic statements at any time.
15. Types of Accounts with Electronic Statements. Some of your Accounts may be eligible for electronic statements. Investment
Accounts, Trust Accounts, Insurance Policies, and loan statements are not eligible for electronic statements. If you receive a paper
combined statement listing various FHB Accounts, your electronic statement will continue to show the same Accounts unless you
have requested a change to the Account included in your combined statement. If you have more than one checking Account listed
on a combined statement, you will only be able to select electronic statements for the primary checking Account. For Business© First Hawaiian Bank (4.1.2024) ...................................................................................................................................................................................... 4

Customers with multiple users, if a user has access to Statements such user will be able to view all accounts on a combined statement
as long as such user has “View” access to at least one of the accounts on a combined statement.
16. Statement Election. When you elect to receive electronic statements by selecting the “Electronic Statement” option, you will nolonger receive paper statements. This election will continue to apply until you cancel electronic statements. You may request toreceive both electronic and paper statements for any Account.
17. Paper Statement Fee. A fee of $5.00 per month will be charged for each deposit Account that receives a paper statement in addition
to an electronic statement. There is no fee to receive either a paper statement or an electronic statement or both paper and electronic
statement for mortgage or credit card accounts.
18. Cleared Check Images; CheckStorage. If you receive images of your cleared checks with your paper checking account statement,
when you elect to receive electronic statements, you will automatically be enrolled in our CheckStorage service, and you will nolonger receive your cleared check images with your paper statement. Our CheckStorage service stores images of your cleared
checks. You can obtain imaged paper copies of cleared checks by contacting any FHB branch. There is no charge for our
CheckStorage service, but there is a per item fee if you request more than six (6) imaged paper copies of cleared checks perstatement period.
19. All Other Statement Requirements Continue to Apply. All of the terms and conditions relating to statements contained in thisAgreement and all Other FHB Agreements (as applicable) continue to apply to your statement when it is delivered electronically. For
example, you must continue to review your statement and report any errors to us within the time limits described in this Agreement
and/or the Other FHB Agreements, using the date your electronic statement was delivered as the “mailing” date.
20. Notification via Email. When your electronic statement is available, we will send you a notification to the email address you provide
to us for FHB Online. You will need to log on to FHB Online to access your electronic statement. If you change your email address,
you need to provide us with your new email address in order to continue receiving notifications that your electronic statement isavailable for viewing. In the event you do not receive notification, it is your responsibility to periodically log on to FHB Online andcheck on the delivery of new electronic statements.
21. Termination of Electronic Statements by You. If you prefer to receive paper statements by mail, you can request that we stop
delivering your statement electronically by changing your statement delivery preference for the specific account on FHB Online. If
you want to have your cleared check images returned with your paper checking account statement, you must cancel CheckStorage
by notifying your branch (there may be a fee for having your check images returned). If you terminate your use of FHB Online, youwill be automatically converted to paper statements for your account(s). If you close an account receiving electronic statements, yourclosed account will be accessible in an inquiry-only status on FHB Online for sixty (60) days after it is closed to enable you to view
your final statement. We will not send you a paper statement for your final statement.
22. Termination of Electronic Statements by Us. We reserve the right to stop delivering your statement(s) electronically at any timeby giving you a notice. If we close an account receiving electronic statements, your closed account will be accessible in an inquiryonly status on FHB Online for sixty (60) days after it is closed to enable you to view your final statement, and you will not be sent a
final paper statement. If we decide to stop delivering your statement electronically or terminate your use of FHB Online, we will send
you paper statements.

TRANSFERS AND PAYMENTS, GENERALLY___________________________________________________________________________________________________________
23. Maximum Transfer Amounts. Transfers and payments via FHB Online are subject to transaction limits shown in the table below.
In addition, a transfer or payment from an FHB Account may not exceed the current available deposit or credit balance in the source
Account (plus any available credit in an associated Yes-CheckSM line of credit that may be linked to your checking account). We also
reserve the right to limit the frequency and dollar amount of transactions from any of your Accounts for security reasons. If there is aminimum transfer amount provision applicable to your line of credit or credit card account, it will be stated in the applicable Credit
Agreement. We reserve the right to complete or reject any attempted transfer that exceeds or is lower than the applicable limit, at
our complete discretion, and, regardless of our decision in that regard, you understand that such attempted or completed transfers
may subject your Account to an overdraft or overlimit fee, as stated in the pertinent Deposit Agreement or Credit Agreement.
Internal Transfers &Make an FHB
Payment

Up to the current available balance or credit balance in the source accountExternal Transfers

When creating an external transfer your current External Transfer limits can be viewed by clicking the'View Limits' link next to the dollar amount you are sending. We may change these limits at our sole
discretion at any time.

Bill Payment

Up to $99,999.99 per transaction

Zelle®

For security reasons, we limit the amount of money you can send or request through Zelle ®. When sending
money, your current Zelle® limits on the dollar amount, or number of transactions, can be viewed byclicking the “Limits” link below the dollar amount you are sending. We may change these limits at our sole
discretion at any time.

24. Other Limitations on Transfers. We do not permit transfers into or out of certain Accounts. For example, you cannot transfer funds
from a mortgage or personal loan, or from or into a certificate of deposit, individual retirement account or Christmas Club Account,nor can you transfer funds directly from a Yes-Check Account, although you may access your Yes-Check Account through overdrafts© First Hawaiian Bank (4.1.2024) ...................................................................................................................................................................................... 5

on your linked checking Account. Transfers and payments cannot be made to or from your Investment Accounts, Trust
Accounts, or Insurance Policies. Transfers and Payments also cannot be made between Loan Accounts.
25. Transfers From Credit Card or Line of Credit Accounts. Each transfer made from a credit card or line of credit Account is treatedas an advance from that Account and is subject to the terms of the applicable Credit Agreement. By requesting such a funds transfer,
you are authorizing and directing us to take any action necessary to complete your request for an advance under your Credit
Agreement, to charge the Account from which the advance is being made without your signature, and to deposit the advance into
the checking or savings Account you designate when you make the transfer. Advances from a credit card Account are treated as
cash advances. Transfers from a line of credit will be unavailable between 10:00 p.m. – 12:00 a.m. Local Time.
26. Transfers To Credit Card or Loan Accounts. Funds transfers into Loan Accounts are credited as payments. Transfers to Loan,Line of Credit and Yes-Check accounts will be unavailable between 10:00 p.m. – 12:00 a.m. Local Time.
27. Transfers That Cannot Be Completed. If for any reason a transfer cannot be completed, we will reverse the transfer by recrediting
the amount of the transfer to the originating Account unless we notify you otherwise.
28. Stopping Online Transfers and Payments. You may cancel transfers and payments online as indicated in Sections 35 (Internal
Transfers), 38 (External Transfers), 46 (Bill Payment), and 58 (Zelle®). In addition, consumer customers may stop preauthorized
online transfers and payments from FHB accounts by calling 808-643-4343 (or 1-888-643-4343 from the continental U.S., Guam, or
CNMI) or writing to us at First Hawaiian Bank, FHB Online, P.O. Box 1959, Honolulu, Hawaii 96805-1959. We must receive yourrequest at least three (3) Business Days before the scheduled transfer or payment date. If you call, we may also require you to put
your request in writing and get it to us within fourteen (14) days after you call. We will charge you the stop payment fee indicated in
the current deposit account fee schedule for each stop payment order you request. If you order us to stop a payment as provided inthis paragraph and we do not do so, we will be liable for your losses or damages.
29. Service Providers. We are offering you the Bill Payment, Zelle® Payment and External Transfer Services (the “Payment and External
Transfer Services”) through one or more Service Providers that we have engaged to render some or all of the Payment and External
Transfer Services to you on our behalf. However, notwithstanding that we have engaged such a Service Provider to render some or
all of the Services to you, we are the sole party liable to you for any payments or transfers conducted using the Payment and External
Transfer Services and we are solely responsible to you and any third party to the extent any liability attaches in connection with thoseServices. You agree that we have the right under this Agreement to delegate to Service Providers all of the rights and performanceobligations that we have under this Agreement, and that the Service Providers will be third party beneficiaries of this Agreement andwill be entitled to all the rights and protections that this Agreement provides to us.
30. Taxes. It is your responsibility to determine what, if any, taxes apply to the transactions you make or receive, and it is yourresponsibility to collect, report and remit the correct tax to the appropriate tax authority. We are not responsible for determining
whether taxes apply to your transaction, or for collecting, reporting or remitting any taxes arising from any transaction.
31. Failed or Returned Payment Instructions. In using the Payment and External Transfer Services, you are requesting that we or our
Service Providers attempt to make payments for you from your Eligible Transaction Account. If the Payment Instruction cannot becompleted for any reason associated with your Eligible Transaction Account (for example, there are insufficient funds in your Eligible
Transaction Account, or the Payment Instruction would exceed the credit or overdraft protection limit of your Eligible Transaction
Account, to cover the payment), the Payment Instruction may or may not be completed. In certain circumstances, our Service Provider
may either advance funds drawn on their corporate account or via an electronic debit, and in such circumstances will attempt to debit
the Eligible Transaction Account a second time to complete the Payment Instruction. In some instances, you will receive a return
notice from us or our Service Provider. In each such case, you agree that:A.

You will reimburse us or our Service Provider immediately upon demand the amount of the Payment Instruction if thepayment has been delivered but there are insufficient funds in, or insufficient overdraft credits associated with, your Eligible
Transaction Account to allow the debit processing to be completed;B.

YOU AGREE THAT MULTIPLE ATTEMPTS MAY BE MADE TO SUBMIT A RETURNED ITEM FOR PAYMENT AND THATMULTIPLE FEES MAY BE CHARGED AS A RESULT OF A RETURNED ITEM AND RESUBMISSION;C.

You may be assessed a late fee equal to one and a half percent (1.5%) of any unpaid amounts plus costs of collection by
our Service Provider or their third-party contractor if the Payment Instruction cannot be debited because you have insufficient
funds in your Eligible Transaction Account, or the transaction would exceed the credit or overdraft protection limit of your
Eligible Transaction Account, to cover the payment, or if the funds cannot otherwise be collected from you. The aforesaid
amounts will be charged in addition to any nonsufficient funds (NSF) charges that may be assessed by us, as set forth inyour fee schedule or your Other FHB Agreement. You hereby authorize us and our Service Provider to deduct all of theseamounts from your designated Eligible Transaction Account, including by ACH debit;D.

We and our Service Providers are authorized to report the facts concerning the return to any credit reporting agency.

32. Receipts and Transaction History. You agree to review your transactions by logging into the applicable Payment and External
Transfer Service, instead of receiving receipts by mail.

INTERNAL TRANSFERS & MAKE AN FHB PAYMENT___________________________________________________________________________________________________________
33. How We Process Internal Transfer and Make an FHB Payment Requests; Your Responsibility. On the date your transfer orpayment is scheduled to be made, we will check the source Account to determine if there are sufficient funds available (or available
credit, if the source Account is a credit Account) to cover the transfer. If, at our discretion, we determine there are sufficient funds orcredit, as applicable, we will process the transfer. If we determine there are not sufficient funds (or available credit) on that date, we© First Hawaiian Bank (4.1.2024) ...................................................................................................................................................................................... 6

will either make the transfer or payment, thereby creating an overdraft if the source Account is a checking account (or causing yourAccount to go over the credit limit if the source Account is a credit Account), or we may refuse to make the transfer. Our decision to
make or refuse to make the transfer will end our processing of the transfer. In either event, you are responsible (i) for any special
handling charges or overlimit fees we may impose, and (ii) to repay any overdraft or amounts over your credit limit, as stated in theapplicable Deposit Agreement or Credit Agreement.
34. Timing of Internal Transfers and Make an FHB Payment. Transfers and payments made on a Business Day prior to the 10:00 p.m.
Local Time cut off will be processed the same day. However, we reserve the right to not complete a transfer or payment if there are
not sufficient funds in the originating Account to make the transfer or payment, or to make the transfer or payment but impose a
special handling charge or overlimit fee. These charges have been disclosed to you in the applicable Deposit Agreements and/or
Credit Agreements. Transfers or payments made other than on a Business Day, and after the stated cut-off time will be processedon the next Business Day. (Please see Section 134 for details about timing of processing External Transfers and Payments.)
35. Scheduled Internal Transfers or Make an FHB Payment (Single or Recurring Transfers). Internal Transfers or Make an FHB
Payment may be scheduled up to 365 days in advance of the date the transfer is to be made (called a “Single Transfer”). Internal
Transfers and Make an FHB Payment from checking and savings accounts may also be set up to occur automatically at substantiallyregular intervals (i.e. monthly, quarterly, etc.) in the same amount between the same two Accounts (called a “Recurring Transfer”).
Please note that Recurring Transfers may not be set up to automatically transfer funds from credit card or line of credit accounts. To
delete or cancel a scheduled Internal Transfer, you must transmit your request before 10:00 p.m. Local Time on the day before thetransfer is scheduled to be processed. If you do not meet that deadline, FHB Online will not process your cancellation instruction andwill process the transfer as originally scheduled.

EXTERNAL TRANSFERS___________________________________________________________________________________________________________
36. Description of External Transfer Service; Authorization and Processing.
A.

The External Transfer Service enables you to transfer funds between your Account(s) that you maintain with us on the one hand,
and your account(s) that are maintained by other financial institutions, on the other hand. You represent and warrant that you
are either the sole owner or a joint owner of the Eligible Transaction Account and the External Account and that you have allnecessary legal right, power and authority to transfer funds between the Eligible Transaction Account and the External Account.
If you are a joint owner of the Eligible Transaction Account, External Account, or both, then you represent and warrant that (i)you have been authorized by all of the other joint owners to operate such accounts without their consent (including without
limitation to withdraw or deposit any amount of funds to such accounts or to even withdraw all funds from such accounts); and(ii) we may act on your instructions regarding such accounts without liability to such other joint owners. Further, you represent
and warrant that the External Account is located in the United States. The term “Eligible Transaction Account” is defined in the
Definitions section of this Agreement.

B.

You may initiate (1) a one-time External Transfer Instruction for which processing shall be initiated immediately, (2) a one-time
External Transfer Instruction for which processing shall be initiated at a later specified date up to one (1) year, and (3) a recurring
series of External Transfer Instructions for which processing shall be initiated on the specified dates. When we receive an
External Transfer Instruction from you, you authorize us to (i) debit your Eligible Transaction Account and remit funds on yourbehalf to the External Account designated by you; or, as applicable, to (ii) credit your Eligible Transaction Account and remit
funds on your behalf from the External Account designated by you. You also authorize us to reverse a transfer from the applicableaccount if the debit is returned from the other account in the transaction for any reason, including but not limited to nonsufficient
funds. Transfers may be delayed or blocked to prevent fraud or comply with regulatory requirements. If we delay or block anExternal Transfer Instruction that you initiated, we will notify you by email.

C.

We will use reasonable efforts to make all your transfers properly. However, we shall incur no liability if we are unable to complete
any transfers initiated by you because of the existence of any one or more of the following circumstances:i.

If, through no fault of ours, the Eligible Transaction Account or External Account does not contain sufficient funds tocomplete the transfer or the transfer would exceed the credit limit of your overdraft account;ii.

The Service is not working properly and you know or have been advised by us about the malfunction before you executethe transaction;iii.

The transfer is refused in accordance with this Agreement;iv.

You have not provided us with the correct information, including but not limited to the correct Eligible Transaction
Account or External Account information; and/or,v.

Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with thefinancial institution(s), or interference from an outside force) prevent the proper execution of the transfer and we havetaken reasonable precautions to avoid those circumstances.

D.

It is your responsibility to ensure the accuracy of any information that you enter into the External Transfer Service, and for
informing us as soon as possible if you become aware that this information is inaccurate. You may not use a P.O. Box as a
postal address. We will make a reasonable effort to stop or recover a transfer made to the wrong account once informed, but
we do not guarantee such recovery and will bear no responsibility or liability for damages resulting from incorrect informationentered by you.

E.

Instant Transfers. We are not responsible for the performance, speed, or other acts or omissions of the Payment Networks orother financial institutions that may be involved in the transmission of a transfer. We shall not be obligated to comply with the© First Hawaiian Bank (4.1.2024) ...................................................................................................................................................................................... 7

Automated Clearinghouse (ACH) Rules in such recovery efforts or otherwise in connection with Instant Transfers unless theapplicable transaction is transmitted through the ACH network. We are only responsible for delivery of the applicable Transfer
Instructions to the applicable Payment Network in the format required by the applicable Payment Network’s specifications.
37. Transfer Methods and Amounts. Section 170 (Payment Methods and Amounts) applies to the External Transfer Service, even incircumstances where the External Account is closed and we are attempting to return funds to such account.
38. Transfer Cancellation Requests. You may cancel a transfer at any time until it begins processing (as shown in the External Transfer
Service).
39. Stop Payment Requests. If you desire to stop any transfer that has already been processed, you must contact customer care for
the Service pursuant to Section 125 (In Case of Errors or Questions About Your Electronic Transfers). Although we will make areasonable effort to accommodate your request, we will have no liability for failing to do so. We may also require you to present yourrequest in writing within fourteen (14) days. The charge for each request will be the current charge for such service as set out in theapplicable fee schedule.
40. Refused Transfers. We reserve the right to refuse any transfer. As required by applicable law, we will notify you promptly if we
decide to refuse to transfer funds.
41. Returned or Failed Transfers. In using the External Transfer Service, you understand transfers may be returned or fail for various
reasons such as, but not limited to, the External Account number is not valid. We will use reasonable efforts to research and correct
the transfer to the intended account or void the transfer. We will, to the extent permitted by law, make reasonable attempts to return
any unclaimed, refused, refunded, prohibited, failed, or denied transfer to your Account that we debited for the funds transfer or use
other reasonable efforts to return such transfer to you as permitted by law. In certain cases, we may require you to contact us or thefinancial institution for your External Account to initiate a request to receive such funds. You may receive notification from us.

BILL PAYMENT SERVICE___________________________________________________________________________________________________________
42. Generally; Definitions. The Bill Payment Service enables you to receive, view, and pay bills from the Site. All of the terms andconditions of the Section above titled “Transfers and Payments, Generally” also apply to the Bill Payment Service. The term “Payment
Instruction” as used in connection with the Bill Payment Service is further defined as the information provided by you to the Bill
Payment Service for a bill payment to be made to Biller (such as, but not limited to, Biller name, Biller account number, and Scheduled
Payment Date).
43. Payment Scheduling. The earliest possible Scheduled Payment Date for each Biller will be designated within the portion of FHB
Online through which the Bill Payment Service is offered when you are scheduling the payment. Therefore, you may not select a
Scheduled Payment Date before the earliest possible Scheduled Payment Date designated for each Biller. When scheduling
payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller statement
unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled
Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any latedate or grace period. Depending on the method of payment, your Eligible Transaction Account may be debited prior to the Scheduled
Payment Date. For example, if the selected method of payment is a draft, the draft arrives earlier than the Scheduled Payment Date
due to expedited delivery by the postal service, and Biller immediately deposits the draft, your Eligible Transaction Account may bedebited earlier than the Scheduled Payment Date.
44. Bill Payment Service Guarantee. Due to circumstances beyond our control, particularly delays in handling and posting payments
by Billers or financial institutions, some transactions may take longer to be credited to your account. We will bear responsibility for
any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled inaccordance with Section 43 (Payment Scheduling).
45. Payment Authorization and Payment Remittance. By providing us with names and account information of Billers, you authorize
us to follow the Payment Instructions that we receive through FHB Online. In order to process payments more efficiently andeffectively, we may edit or alter payment data or data formats in accordance with Biller directives.
When the Bill Payment Service receives a Payment Instruction, you authorize us to debit your Eligible Transaction Account and remit
funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you.
You also authorize us to credit your Eligible Transaction Account for payments returned to us by the United States Postal Service or
Biller, or payments remitted to you on behalf of another authorized user of the Bill Payment Service.
We will attempt to make all your payments properly. However, we shall incur no liability and any Bill Payment Service Guarantee (asdescribed in the section above) shall be void if we are unable to complete any payments initiated by you because of the existence of
any one or more of the following circumstances:A.

If, through no fault of us, your Eligible Transaction Account does not contain sufficient funds to complete the transaction or
the transaction would exceed the credit limit of your overdraft account;B.

The payment processing center is not working properly and you know or have been advised by the Bill Payment Service
about the malfunction before you execute the transaction;C.

You have not provided us with the correct Eligible Transaction Account information, or the correct name, address, phone
number, or account information for Biller; and/or

D.

Circumstances beyond the control of us (such as, but not limited to, fire, flood, or interference from an outside force) preventthe proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances.

© First Hawaiian Bank (4.1.2024) ...................................................................................................................................................................................... 8

If none of the exceptions above apply, and if we cause an incorrect amount of funds to be removed from your Eligible Transaction
Account or causes funds from your Eligible Transaction Account to be directed to a Biller which does not comply with your Payment
Instructions, we shall be responsible for returning the improperly transferred funds to your Eligible FHB Transaction Account, and for
directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges.
46. Payment Cancellation Requests. You may cancel or edit any Scheduled Payment (including recurring payments) by following thedirections within the portion of FHB Online through which the Bill Payment Service is offered. There is no charge for canceling or
editing a Scheduled Payment. Once we have begun processing a payment it cannot be cancelled or edited, therefore a stop payment
request must be submitted.
47. Stop Payment Requests. Our ability to process a stop payment request will depend on the payment method and whether or not acheck has cleared. We may also not have a reasonable opportunity to act on any stop payment request after a payment has beenprocessed. If you desire to stop any payment that has already been processed, you must contact customer care for the Bill Payment
Service in the manner set forth in Section 125 (In Case of Errors or Questions About Your Electronic Transfers). Although we willattempt to accommodate your request, we will have no liability for failing to do so. We may also require you to present your request
in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set out
in the applicable fee schedule.
48. Exception Payments Requests. Exception Payments may be scheduled through the Bill Payment Service; however, Exception
Payments are discouraged and must be scheduled at your own risk. In no event shall we be liable for any claims or damages resulting
from your scheduling of Exception Payments. The Bill Payment Service Guarantee does not apply to Exception Payments.
49. Bill Delivery and Presentment. The Bill Payment Service includes a feature that electronically presents you with electronic bills
from select Billers. Electronic bills may not be available from all of your Billers. Electronic bills are provided as a convenience only,
and you remain solely responsible for contacting your Billers directly if you do not receive their statements. In addition, if you elect toactivate one of the Bill Payment Service’s electronic bill options, you also agree to the following:A.

Presentation of Electronic Bills. You will receive electronic bills from a Biller only if both: (a) you have designated it in the Bill
Payment Service as one of your Billers, and (b) Biller has arranged with our Service Provider to deliver electronic bills. The Bill
Payment Service may then present you with electronic bills from that Biller if either: (1) you affirmatively elect online within theBill Payment Service to receive electronic bills from Biller, or (2) Biller chooses to send you electronic bills on a temporary “trial
basis.” In either case, you can elect online within the Bill Payment Service to stop receiving electronic bills from a Biller. Electing
to receive electronic bills, automatically receiving trial electronic bills, and declining further elected or trial electronic bills all occur
on an individual Biller basis. The Bill Payment Service does not include an option to prevent overall participation in the automatic
trial electronic bill feature. When affirmatively electing to receive electronic bills from a particular Biller, you may be presented
with terms from that Biller for your acceptance. We are not a party to such terms.

B.

Paper Copies of Electronic Bills. If you start receiving electronic bills from a Biller, Biller may stop sending you paper or otherstatements. The ability to receive a paper copy of your statement(s) is at the sole discretion of Biller. Check with the individual
Biller regarding your ability to obtain paper copies of electronic bills on a regular or as-requested basis.

C.

Sharing Information with Billers. You authorize us to share identifying personal information about you (such as name, address,
telephone number, Biller account number) with companies that you have identified as your Billers and which we have identified
as offering electronic bills for purposes of matching your identity on the Bill Payment Service’s records and Biller’s records to (a)activate your affirmative request for electronic bills, and/or (b) confirm your eligibility for “trial basis” electronic bills.

D.

Information Held by Biller. We are unable to update or change your personal information (such as, but not limited to, name,address, phone numbers and email addresses) that is held by Biller. Any changes will require you to contact Biller directly.
Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not touse someone else’s information to gain unauthorized access to another person’s bill. We may, at the request of Biller, provide
to Biller your email address, service address, or other data specifically requested by Biller for purposes of Biller matching youridentity against its records or informing you about Biller’s services and/or bill information.

E.

Activation. We will notify Biller of your request to receive electronic billing information. The presentment of your first electronicbill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller. While yourelectronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Biller reserves theright to accept or deny your request to receive electronic bills.

F.

Authorization to Obtain Bill Data. You authorize us to obtain bill data from your Billers that you have requested to send you
electronic bills, and from your Billers that wish to send you trial electronic bills. For some Billers, you will be asked to provide us
with your user name and password for that Biller. By providing us with such information, you authorize us to use the information
to obtain your bill data.

G. Notification. We will attempt to present all of your electronic bills promptly. In addition to notification within the Bill Payment
Service, we may send a notification to the e-mail address listed for your account. It is your sole responsibility to ensure that thisinformation is accurate. In the event you do not receive notification, it is your responsibility to periodically log on to the Bill
Payment Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You
are responsible for ensuring timely payment of all bills.
H.

Cancellation of Electronic Bill Notification. The electronic Biller reserves the right to cancel the presentment of electronic bills
at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic billpresentment may vary from Biller to Biller. It may take up to sixty (60) days, depending on the billing cycle of each Biller. We will
notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to arrange for an© First Hawaiian Bank (4.1.2024) ...................................................................................................................................................................................... 9alternative form of bill delivery. We will not be responsible for presenting any electronic bills that are already in process at thetime of cancellation.
I.

Non-Delivery of Electronic Bill(s). You agree to hold us harmless should Biller fail to deliver your statement(s). You areresponsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from Biller directly.

J.

Accuracy and Dispute of Electronic Bill. We are not responsible for the accuracy of your electronic bill(s). We are only
responsible for presenting the information we receive from Biller. Any discrepancies or disputes regarding the accuracy of yourelectronic bill summary or detail must be directly addressed and resolved with Biller by you.

This Agreement does not alter your liability or obligations that currently exist between you and your Billers.
50. Service Fees and Additional Charges. You are responsible for paying all fees associated with your use of the Bill Payment Service.
Any applicable fees will be charged regardless of whether the Bill Payment Service was used, except for fees that are specificallyuse-based. There may also be charges for additional transactions and other optional services. You agree to pay such charges andauthorize us to automatically deduct the appropriate amount from your Account. Section 31 (Failed or Returned Payment Instructions)applies if you do not pay our fees and charges for the Bill Payment Service, including without limitation if we debit the Billing Accountfor such fees, as described in this Section, and there are insufficient funds in the Billing Account.
51. Biller Limitation. We reserve the right to refuse to pay any Biller to whom you may direct a payment. As required by applicable law,
the Bill Payment Service will notify you promptly if it decides to refuse to pay a Biller designated by you, as set forth in Section 167(Prohibited Payments) or an Exception Payment under this Agreement.
52. Returned Payments. In using the Bill Payment Service, you understand that Billers and/or the United States Postal Service may
return payments to the Bill Payment Service for various reasons such as, but not limited to, Biller’s forwarding address expired; Biller
account number is not valid; Biller is unable to locate account; or Biller account is paid in full. We will attempt to research and correct
the returned payment and return it to your Biller, or void the payment and credit your Eligible FHB Transaction Account. You may
receive notification from us.
53. Bill Payment Information Authorization. In addition to Section 141 (Information Authorization), you agree that we reserve the rightto obtain financial information regarding your account from a Biller or your financial institution (for example, to resolve payment
posting problems or for verification).

ZELLE® AND OTHER PAYMENT SERVICES ADDITIONAL TERMS___________________________________________________________________________________________________________
54. Description of Service.
A.

We have partnered with the Zelle Network® (“Zelle®”) to enable a convenient way to transfer money between you and other
Users using aliases, such as email addresses or mobile phone numbers (“Zelle® Payment Service,” as further described below).
Zelle® provides no deposit account or other financial services. Zelle ® neither transfers nor moves money. You may not establish
a financial account with Zelle® of any kind. All money will be transmitted by a Network Financial Institution (as defined below).
THE ZELLE® PAYMENT SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU TRUST.
YOU SHOULD NOT USE THE ZELLE® PAYMENT SERVICE OR OTHER PAYMENT SERVICES TO SEND MONEY TO
RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. The term “Zelle® and Other Payment Terms”
means these Zelle® and Other Payment Services Additional Terms.

B.

In addition to the Zelle® Payment Service, we provide other payment services under this Agreement. First, these additional
services allow you to send money to people if you provide the Eligible Transaction Account information and other contact
information for the Receiver; such transactions are not sent via Zelle®. Second, outside Zelle®, we allow you to establish a onetime payment for a payment recipient for which processing shall be initiated at a later specified date up to one (1) year. Third,
outside Zelle®, we enable you to establish a recurring series of payments to a payment recipient for which processing shall be
initiated on dates you specify. These three payment services and any other payment services that we provide under these Zelle ®
and Other Payment Terms are referred to as “Other Payment Services” in these Zelle® and Other Payment Terms. Although
future-dated payments and recurring payments are outside Zelle®, we may ultimately send those transactions via Zelle® when
the applicable date of payment arrives, in which case the applicable payment transaction is part of the Zelle ® Payment Service,not the Other Payment Services. The term “Zelle® and Other Payment Services” means the Zelle® Payment Service and the
Other Payment Services.

C.

The Zelle® and Other Payment Services enable you: (1) to initiate a Payment Instruction from an Eligible Transaction Accountto an account at a U.S. financial institution; and/or (2) to receive a payment from another person into an Eligible Transaction
Account, in U.S. dollars. All payments must be made through the Site and are subject to the terms of this Agreement andapplicable laws and regulations, in each case as in effect from time to time. Receipt of payments may be made through the Site
and is subject to the terms of this Agreement and applicable laws and regulations, in each case as in effect from time to time. In
some instances, receipt of payments may be made through other locations besides our Site, such as the Zelle ® mobile handset
application (“Zelle® Standalone Locations”) and if you choose to initiate or receive a payment at a Zelle ® Standalone Location
you acknowledge and agree that you shall be subject to the terms of other agreements, including, but not limited to, the “terms
of use” for the Zelle® Standalone Locations and applicable laws and regulations, in each case as in effect from time to time.
Subject to the terms of this Agreement, the Zelle® and Other Payment Services are generally available 24 hours, seven days aweek with the exception of outages for maintenance and circumstances beyond our or Zelle ®’s control. Live customer service
generally will be available Monday through Friday, excluding U.S. financial institution holidays.

D.

The Zelle® Payment Service allows for the delivery of payments to Receivers who are also enrolled in the Zelle ® Payment Service
through a Payment Network designed to deliver payments on the same day and potentially within minutes, although actual speed© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 10

will vary, as described below. The Zelle® and Other Payment Services are not instantaneous. Payment delivery speed may vary
based upon the fraud, risk and other funds availability policy of each financial institution and Payment Network availability. We
are not responsible for the performance, speed, or other acts or omissions of the Payment Networks that may be involved in thetransmission of a payment. We shall not be obligated to comply with the Automated Clearinghouse (ACH) Rules in such recovery
efforts or otherwise in connection with Zelle® and Other Payments unless the applicable transaction is transmitted through the
ACH network. We are only responsible for delivery of the applicable Payment Instructions to the applicable Payment Network in
the format required by the applicable Payment Network’s specifications.
55. Payment Authorization and Payment Remittance.
A.

Section 176 (Eligibility) does not apply to the Zelle® Payment Service. When you enroll to use the Zelle ® Payment Service orwhen you permit others to whom you have delegated to act on your behalf to use or access the Zelle ® Payment Service, youagree to the terms and conditions of this Agreement. You represent that you have the authority to authorize debits and credits
to the enrolled bank account. In addition to the restrictions set forth in Section 126 (Your Liability for Unauthorized Transfers),
you agree that you will not use the Zelle® and Other Payment Services to send money to anyone to whom you are obligated fortax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines,
payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Zelle®
and Other Payment Services to request money from anyone for any such payments. You agree that you will not authorize a third
party to use the Zelle® Payment Service or share your credentials with a third party to use the Zelle ® Payment Service on yourbehalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney.

B.

This Section 55.B does not apply to the Zelle® Small Business Service (to the extent made available by us). The Zelle® andOther Payment Services are intended for personal, not business or commercial use. You agree that you will not use the Zelle ®
and Other Payment Services to send or receive payments in connection with your business or commercial enterprise. We reserve
the right to decline your enrollment if we believe that you are enrolling to use the Zelle ® and Other Payment Services with yourbusiness account or to receive business or commercial payments. We further reserve the right to suspend or terminate your useof the Zelle® Payment Service if we believe that you are using the Zelle ® Payment Service for business or commercial purposes,
or for any unlawful purpose.

C.

You must provide us with an email address that you regularly use and intend to use regularly (i.e., no disposable email
addresses) and a permanent mobile phone number that you intend to use for an extended period of time (i.e., no “burner”
numbers). You may not enroll in the Service with a landline phone number, Google Voice number, or Voice over Internet Protocol.
Once enrolled, you may: (i) authorize a debit of your Account to send money to another User either at your initiation or at therequest of that User; and (ii) receive money from another User either at that User’s initiation or at your request, subject to theconditions of the Section below titled “Requesting Payments.” If at any time while you are enrolled, you do not send or receive
money using the Zelle® Payment Service for a period of 18 consecutive months, then you understand that we may cancel yourenrollment and you will not be able to send or receive money with the Zelle ® Payment Service until you enroll again. Onceenrolled, a Z logo will appear on your profile picture for each U.S. mobile number and/or email address that you have enrolledwith Zelle®. The Z logo will be displayed to other Users to aid them in determining which of your U.S mobile numbers or email
addresses should be used to send money with Zelle®. If a User sends you money using a different U.S. mobile number or email
address that they may have for you (one that is not already enrolled), you will receive a message with instructions on how toenroll with Zelle®.

D.

When you enroll with Zelle®, you may establish one or more profiles. Each profile may be linked to only one bank account or
debit card, but you may enroll multiple email addresses or mobile phone numbers in each profile. Once you have enrolled anemail address or a mobile phone number with a profile, you may not use that same email address or phone number with anyother profile. By providing us with names and mobile telephone numbers and/or email addresses of Receivers to whom you wish
to direct payments, you authorize us to follow the Payment Instructions that we receive through the Zelle® Payment Service. By
providing us with names, bank account information and other contact information for Receivers to whom you wish to direct apayment via the Other Payment Service, you authorize us to follow the Payment Instructions that we receive via the Other
Payment Services. Once enrolled, you authorize us to credit your Eligible Transaction Account for payments remitted to you onbehalf of a Sender without further approval from you

E.

When we receive a Payment Instruction from you, you authorize us to debit your Eligible Transaction Account for the amount of
any such Payment Instruction plus any related fees in effect (and as disclosed on the Site) at the time you initiate the Payment
Instruction, and to remit funds on your behalf. You acknowledge and agree that any applicable fees will be charged when we
receive a Payment Instruction from you, regardless of whether the Payment Instruction is ultimately completed. You also
authorize us to credit your Eligible Transaction Account for the receipt of payments, including, but not limited to, those payments
returned to us from Receivers to whom you sent payment(s) and those payments that were cancelled and returned to you
because the processing of the Payment Instruction could not be completed.

F.

You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized
the Sender to send them to you.

G. We will use reasonable efforts to complete all your Payment Instructions properly. However, we shall incur no liability if we areunable to complete any transaction because of the existence of any one or more of the following circumstances:1.

If, through no fault of ours, the Eligible Transaction Account does not contain sufficient funds to complete the Payment
Instruction or the Payment Instruction would exceed the credit limit of your overdraft account;

2.

The Zelle® and Other Payment Services are not working properly and you know or have been advised by us about themalfunction before you execute the Payment Instruction;© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 11

H.

3.

The payment is refused as described in Section 59 (Payment Cancellation, Stop Payment Requests and Refused
Payments);

4.

You have not provided us with the correct information, including, but not limited to, the correct Payment Instructions or
Eligible Transaction Account information, or the correct name and address or mobile phone number of the Receiver towhom you are initiating a Payment Instruction; and/or,

5.

Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with thefinancial institution, or interference from an outside force) prevent the proper execution of the Payment Instruction.

It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they enter into the Zelle®
and Other Payment Services (including, but not limited to, the Payment Instructions and name, telephone number and/or email
address for the Receiver to whom you are attempting to send a payment), and for informing us as soon as possible if they
become aware that this information is inaccurate. We will make a reasonable effort to stop or recover a payment made to thewrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or
liability for damages resulting from incorrect information entered by the Sender or Receiver.

56. Sending Payments.
A.

You may send money to another User at your initiation or in response to that User’s request for money. You understand thatuse of the Zelle® and Other Payment Services by you shall at all times be subject to (i) this Agreement, and (ii) your express
authorization at the time of the transaction for us or another Network Financial Institution to initiate a debit entry to your bankaccount. You understand that when you send the payment, you will have no ability to stop it. When a Sender initiates a Payment
Instruction, the Receiver is not required to accept the payment if the Receiver has not enrolled in Zelle ®. You agree that you asa Sender will not hold us liable for any damages resulting from a Receiver not enrolling in Zelle ®. For the Zelle® Payment Service,
you may only cancel a payment if the person to whom you sent the money has not yet enrolled in the Zelle ® Payment Service.
As to the Zelle® Payment Service, if the person you sent money to has already enrolled with Zelle ®, either in the Zelle®
Standalone Locations or with a Network Financial Institution, then the money is sent directly to their bank account (except asotherwise provided below) and may not be canceled or revoked. Cancellation is addressed more generally in Section 59(Payment Cancellation, Stop Payment Requests and Refused Payments) below. You may initiate a one-time Payment
Instruction to a Receiver for which processing shall be initiated immediately via Zelle ®. Via the Other Payment Services, you
may also initiate (a) a one-time Payment Instruction to a Receiver for which processing shall be initiated at a later specified dateup to one (1) year, and (b) a recurring series of Payment Instructions to a Receiver for which processing shall be initiated on thespecified dates. Further details about each of these options can be found on the Site.

B.

Payment Instructions initiated to Receivers require you to provide contact information about the Receiver (including an email
address and/or mobile telephone number). If the Receiver does not bank at a Network Financial Institution and has not yet
enrolled in Zelle®, then the Zelle® Payment Service will contact the Receiver and request that the Receiver (i) provide information
so that the identity of the Receiver may be validated at a Zelle ® Standalone Location and then (ii) provide Eligible Transaction
Account information in order to complete the Payment Instruction (a “Two-Step Transfer”). If the Receiver maintains an Eligible
Transaction Account with a Network Financial Institution and has not yet enrolled in Zelle®, then the Zelle® Payment Service willcontact the Receiver regarding enrollment in Zelle ® and receipt of payment. If the Receiver has already enrolled in Zelle ®, then
the Receiver will receive a message regarding your payment.

C.

Via the Other Payment Services, we also support the sending of money to Receivers if you provide the Eligible Transaction
Account information for the Receiver and other contact information for the Receiver; such transactions are not sent via Zelle ®.
You acknowledge and agree that if your Payment Instructions identify an account by name and account number, the relevant
financial institution may execute those Payment Instructions by reference to the account number only, even if such accountnumber does not correspond to the account name. You further acknowledge and agree that financial institutions holding theaccount may choose to not investigate discrepancies between account names and account numbers. We have no responsibility
to investigate discrepancies between account names and account numbers, outside of our obligations under the law toinvestigate errors, described below in Section 125 (In Case of Errors or Questions About Your Electronic Transfers).

D.

In most cases, when you are sending money to another User using the Zelle ® Payment Service, the transfer will occur in minutes;
however, there are circumstances when the payment may take longer. For example, in order to protect you, us, Zelle ® and theother Network Financial Institutions, we may need additional time to verify your identity or the identity of the person receiving
the money. If you are sending money to someone who has not enrolled as a User with Zelle ®, either via a Zelle® Standalone
Location or a Network Financial Institution, they will receive a text or email notification instructing them on how to enroll to receive
the money. You understand and acknowledge that a person to whom you are sending money and who is not enrolling as a User
may fail to enroll with Zelle®, or otherwise ignore the payment notification, and the transfer may not occur. The money may also
be delayed or the transfer may be blocked to prevent fraud or comply with regulatory requirements. If we delay or block a
payment that you have initiated, we will notify you in accordance with your User preferences (i.e., email, push notification). We
have no control over the actions of other Users, other Network Financial Institutions or other financial institutions that could delay
or prevent your money from being delivered to the intended User.

E.

For the Other Payment Services and those Zelle ® Payment Service payments where the Site indicates payment will require
more than a Business Day, you understand and agree that when you initiate a Payment Instruction from an Eligible Transaction
Account, the processing of the Payment Instruction will begin and the debiting of your Eligible Transaction Account will occur as
early as the day of such initiation. However, you and the Receiver should not expect the payment funds to be transferred into
the Receiver's Eligible Transaction Account any earlier than the next Business Day after you initiated the Payment Instruction.
As part of the Other Payment Services, if you request a one-time Payment Instruction to be initiated on a specified date or arecurring series of Payment Instruction to be initiated on specified dates, then the processing of the Payment Instruction will
begin on the specified date and the debiting of your Eligible Transaction Account will occur as early as the specified date(s).

© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 12

However, you and the Receiver should not expect the payment funds to be transferred into the Receiver’s Eligible Transaction
Account any earlier than the next Business Day following the specified date. In addition, in the case of all Two-Step Transfers,
the deposit of the payment funds into the Receiver’s Eligible Transaction Account (even if debited or withdrawn from your Eligible
Transaction Account) may be delayed if the Receiver has not enrolled in Zelle®. The Site may contain additional information
regarding the delivery of a payment to an Eligible Transaction Account.
F.

As to Recipients who have not yet enrolled with Zelle®, you acknowledge and agree that we will begin to process the requested
transfer of funds once the Receiver has provided (or we otherwise obtain) all required information, and you hereby authorize
and direct us to retain such funds until the earlier of such time as the Receiver has provided (or we otherwise obtain) all required
information or fourteen (14) days have elapsed. You further acknowledge and agree that our receipt of money to be transmitted
to a Receiver shall not be deemed to have occurred and our obligation to complete a Payment Instruction shall not begin until
such time as the Receiver provides us with (or we otherwise obtain) all required information necessary to process the related
Payment Instruction in accordance with this Agreement.

57. Receiving Payments.
A.

All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial
Institution customer and at all times subject to the terms and conditions of the relevant service agreement between that Network
Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions.
Once a User initiates a transfer of money to your email address, mobile phone number, or Zelle ® tag enrolled with the Zelle®
Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as
set forth in Section 59 (Payment Cancellation, Stop Payment Requests and Refused Payments) below. By using the Zelle ®
Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person
wants to initiate a Payment Instruction (including in response to a Zelle ® Payment Request, if applicable) using the Zelle®
Payment Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle®
Payment Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution thatparticipates in the Zelle® Payment Service or at a Zelle® Standalone Location. If you are receiving a payment from a businessor government agency, your payment will be delivered in accordance with both this Agreement and the procedures of thebusiness or government agency that is sending you the payment.

B.

For the Zelle® Payment Service, most transfers of money to you from other Users will occur within minutes. There may be othercircumstances when the payment may take longer. For example, in order to protect you, us, Zelle ® and the other Network
Financial Institutions, we may need or Zelle® may need additional time to verify your identity or the identity of the person sending
the money. We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block
a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e.,email, push notification). You understand and agree that there may be a delay between the time you are notified of the pending
Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required totake additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account, such as if we havequestions regarding possible fraud in connection with the payment. You authorize the Sender, the financial institution whichholds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages toyour mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may receive
Zelle® Payment Requests, from others through the Zelle® Payment Service.

C.

You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a
Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because
there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service
Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred toyou.

58. Requesting Payments. You may request money from another User through a Zelle ® Payment Request. You understand andacknowledge that Users to whom you send payment requests may reject or ignore your request. Neither we nor Zelle ® guaranteethat you will receive money from other Users by sending a Zelle ® Payment Request, or that you will receive the amount that you
request. Neither we nor Zelle® accept responsibility if the other User rejects or ignores your request, or sends you an amount that isdifferent than you request. If a User ignores your request, we may decide or Zelle ® may decide, in our sole discretion, that we will
not send a reminder or repeat request to that User.
In addition to the other restrictions in this Agreement, by accepting this Agreement, you agree that you are not engaging in thebusiness of debt collection by attempting to use the Zelle® Payment Service to request money for the payment or collection of an
overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a
court order. You agree to indemnify, defend and hold harmless us, Zelle®, its owners, directors, officers, agents and Network Financial
Institutions from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental,
consequential, exemplary and indirect damages), and reasonable attorney's fees, resulting from or arising out of any Zelle ® Payment
Request that you send that is related to overdue or delinquent amounts. You agree to receive Zelle ® Payment Requests from other
Users, and to only send Zelle® Payment Requests for legitimate and lawful purposes. Zelle® Payment Requests are solely between
the Requestor and recipient and are not reviewed or verified by us or by Zelle ®. Neither we nor Zelle® assume responsibility for theaccuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the Requestor. We reserve theright, but assume no obligation, to terminate your ability to send Zelle ® Payment Requests in general, or to specific recipients, if wedeem such Zelle® Payment Requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.
If applicable, if you as a Requestor initiate a Zelle® Payment Request using the Zelle® Payment Service, you acknowledge and agree
that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and(b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Zelle ®
© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 13

Payment Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals
to whom you send a Zelle® Payment Request may not receive, or otherwise may reject or ignore, your Zelle ® Payment Request. We
do not guarantee that you will receive any payments from individuals by initiating a Zelle ® Payment Request.
Zelle® Small Business Service Users may not send Zelle® Payment Requests to Users enrolled with Zelle® through Zelle® Standalone
Locations.
59. Payment Cancellation, Stop Payment Requests and Refused Payments. This Section only applies to the Other Payment
Services and those Zelle® Payment Services transactions that can be cancelled in the limited circumstances set forth in Section 56(Sending Payments) above. Sender may cancel the initiation of a Payment Instruction or stop a Payment Instruction at any time until
the processing of the Payment Instruction into the Receiver’s Eligible Transaction Account has begun. Our ability to stop a Payment
Instruction or recover funds associated with an unauthorized Payment Instruction will depend on the manner in which the Payment
Instruction was initiated, and whether the Payment Instruction to the Receiver’s Eligible Transaction Account has begun processing.
Although we will make a reasonable effort to accommodate a stop payment request and to recover funds associated with anunauthorized Payment Instruction, we will have no liability for failing to do so. We may also require you to present your stop payment
request or request to recover funds in writing within fourteen (14) days after contacting customer care. If we charge you to stop the
payment or recover funds, then the charge for each stop payment or fund recovery request will be the current charge as set out inour current fee schedule. Payments not claimed by a Receiver who has not enrolled in Zelle ® will be automatically cancelled fourteen(14) days after the processing of the payment begins. We will, to the extent permitted by law, make reasonable attempts to return
any unclaimed, refused, refunded, prohibited, or denied payment to your Eligible Transaction Account or use other reasonable efforts
to return such payment to you as permitted by law.
60. Consent to Emails and Automated Text Messages. Section 132 (Text Messages, Calls and/or Emails to You) does not apply to
Zelle® Payment Services. By participating as a User, you represent that you are the owner of the email address, mobile phone
number, Zelle® tag and/or other alias you enrolled, or that you have the delegated legal authority to act on behalf of the owner ofsuch email address, mobile phone number, Zelle® tag and/or other alias to send or receive money as described in these Zelle ® andOther Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle ®, from other Users that are sending
you money or requesting money from you, and from other Network Financial Institutions or their agents regarding the Zelle ® andOther Payment Services or related transfers between Network Financial Institutions and you. You agree that we may, Zelle ® may oreither of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number
you enroll. You further acknowledge and agree:A.

You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or othermessage services, including without limitation for short message service. Please check your mobile service agreement for details
or applicable fees, as message and data rates may apply.

B.

You will immediately notify us if any email address or mobile number you have enrolled is (i) surrendered by you, or (ii) changed
by you.

C.

In the case of any messages that you may send through either us or Zelle ® or that we may send or Zelle® may send on yourbehalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such
emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any
emails or text messages that we send or that Zelle® sends on your behalf may include your name.

D.

Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle ®, including messages
that you may send through us or through Zelle® or that we may send or Zelle® may send on your behalf.

E.

To cancel text messaging from us, send STOP to 767666. For help or information regarding text messaging, send HELP to
767666 or contact our customer service at 888-643-4343. You expressly consent to receipt of a text message to confirm your
“STOP” request.

F.

Supported Carriers: AT&T, Sprint, T-Mobile, Verizon and others.

G. Your phone service provider is not the provider of the Zelle ® and Other Payment Services. Users of the Zelle® Payment Service
will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number
is provided. Data and messaging charges from your telecommunications provider may apply, and you are responsible for any
such charges. In the event your enrolled mobile device is lost or stolen, you agree to update your enrollment information andmake the appropriate changes to disable the use of such device. You understand that there are risks associated with using amobile device, and that in the event of theft or loss, your confidential information could be compromised.
61. Service Fees and Additional Charges. You are responsible for paying all fees associated with your use of the Zelle ® and Other
Payment Services. Applicable fees will be disclosed in the user interface for, or elsewhere within, the Zelle ® and Other Payment
Services or Site. Additional fees may apply for small business Users enrolled in the Zelle ® Small Business Service. YOU FURTHERACKNOWLEDGE AND AGREE THAT ANY APPLICABLE FEES WILL BE CHARGED REGARDLESS OF WHETHER THE
PAYMENT INSTRUCTION IS COMPLETED, UNLESS THE FAILURE TO COMPLETE THE INSTRUCTION IS SOLELY DUE TO
OUR FAULT, except for those fees that are specifically use-based, such as Zelle® Payment Requests, if applicable. There may be
a charge for additional transactions and other optional services. You agree to pay such charges and authorize us to deduct thecalculated amount from your designated Eligible Transaction Account for these amounts and any additional charges that may be
incurred by you. Any financial fees associated with your standard deposit accounts (or Other Eligible Transaction Accounts) willcontinue to apply. You are responsible for any and all telephone access fees and Internet service fees that may be assessed by yourtelephone and Internet service provider. Section 31 (Failed or Returned Payment Instructions) applies if you do not pay our fees andcharges for the Zelle® and Other Payment Services, including without limitation if we debit the Eligible Transaction Account for suchfees, as described in this Section, and there are insufficient fees in the Eligible Transaction Account.

© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 14

62. Refused Payments. We reserve the right to refuse to pay any Receiver. We will attempt to notify the Sender promptly if we decideto refuse to pay a Receiver designated by the Sender. This notification is not required if you attempt to make a prohibited payment
under this Agreement.
63. Returned Payments. In using the Zelle® and Other Payment Services, you understand that Receivers may reject Payment
Instructions or otherwise return payments only if the Receiver is not enrolled in Zelle ®. We will use reasonable efforts to complete
Payment Instructions initiated through the Zelle® Payment Service.
64. Consent to Share Personal Information (including Account Information). In addition to Section 141 (Information Authorization),by accepting this Agreement, you consent to our disclosure of your personal information (including bank account information) as
necessary to complete payment transactions in accordance with our customary processes and procedures, which may include,
without limitation, the following:A.

As necessary to resolve a problem related to a transfer or payment between you and another User;

B.

To verify the existence of your bank account, or debit card, as applicable;C.

To comply with government agency or court orders;D.

To our affiliates, as permitted by law;E.

To verify your identity for purposes of compliance with applicable laws, including without limitation the USA PATRIOT Act;F.

To comply with inquiries in connection with fraud prevention or any investigation;

G. For our general business purposes, including without limitation data analysis and audits; orH.

As otherwise permitted by the terms of our Privacy Policy.

65. Wireless Operator Data. In addition to Section 141 (Information Authorization), you acknowledge that we or Zelle ® may use
information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud
or unauthorized use of the Service. By using the Zelle ® Payment Service, you authorize your wireless operator (AT&T, Sprint,
T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email,network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status anddevice details, if available, to us or our Service Providers solely to allow verification of your identity and to compare information you
have provided to us or to Zelle® with your wireless operator account profile information for the duration of our business relationship.
See Zelle®’s Privacy Policy at https://www.zellepay.com/privacy-policy for how it treats your data. Please review our Privacy Policyin order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.
66. Liability. Subject to our obligations under applicable laws and regulations, neither we nor Zelle® shall have liability to you for any
transfers of money, including without limitation, (i) any failure, through no fault of us or Zelle® to complete a transaction in the correct
amount, or (ii) any related losses or damages. Neither we nor Zelle® shall be liable for any typos or keystroke errors that you may
make when using the Zelle® Payment Service. THE SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND
OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE® TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOTFAMILIAR OR YOU DO NOT TRUST. ZELLE® DOES NOT OFFER A PROTECTION PROGRAM FOR AUTHORIZED PAYMENTS
MADE THROUGH THE SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID
FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU
EXPECTED).
67. Disclaimer of Warranties. Section 149 (No Warranties) does not apply to Zelle® Payment Services. EXCEPT AS OTHERWISE
PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, NEITHER WE NOR ZELLE® MAKE ANY EXPRESS OR IMPLIEDWARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE ZELLE® PAYMENTSERVICE. WE AND ZELLE® EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR
OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE ZELLE® PAYMENT SERVICEDESCRIBED OR PROVIDED. NEITHER WE NOR ZELLE® WARRANT THAT THE ZELLE® PAYMENT SERVICE WILL BE
UNINTERRUPTED, TIMELY, INVULNERABLE TO CYBER ATTACK OR ERROR-FREE, OR THAT DEFECTS WILL BE
CORRECTED. THE ZELLE® PAYMENT SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
68. Limitation of Liability. Section 153 (Limitation of Liability) does not apply to Zelle® Payment Services. EXCEPT AS OTHERWISE
PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL WE, ZELLE®, OR OUR AFFILIATES ORSERVICE PROVIDERS, OR THE OWNERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OF ANY OF THEM, OR
NETWORK FINANCIAL INSTITUTIONS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO,
ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF(I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE ZELLE® PAYMENT SERVICE; (II) ANY CLAIM
ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE ZELLE® PAYMENT SERVICES DESCRIBEDOR PROVIDED; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR (IV) ANY
OTHER MATTER RELATING TO THE ZELLE® PAYMENT SERVICES DESCRIBED OR PROVIDED, EVEN IF WE OR ZELLE®
HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE ZELLE® PAYMENTSERVICE OR WITH THE TERMS OF THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USINGTHE ZELLE® PAYMENT SERVICES.
IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTALDAMAGES MAY NOT APPLY, ANY LIABILITY OF OURS, ZELLE®, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS OR© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 15

THE NETWORK FINANCIAL INSTITUTIONS LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDEDTO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).
69. Indemnification. SECTION 150 (INDEMNIFICATION) DOES NOT APPLY TO ZELLE® PAYMENT SERVICES. YOU
ACKNOWLEDGE AND AGREE THAT YOU ARE PERSONALLY RESPONSIBLE FOR YOUR CONDUCT WHILE USING THE
ZELLE® PAYMENT SERVICE AND EXCEPT AS OTHERWISE PROVIDED IN THIS AGREEMENT, YOU AGREE TO INDEMNIFY,
DEFEND AND HOLD HARMLESS US, ZELLE®, OUR AFFLIATES AND SERVICE PROVIDERS, AND THEIR AFFILIATES AND
THE OWNERS, DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS OF EACH OF THESE, AND NETWORKFINANCIAL INSTITUTIONS FROM AND AGAINST ALL CLAIMS, LOSSES, EXPENSES, DAMAGES AND COSTS (INCLUDING,
BUT NOT LIMITED TO, DIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY AND INDIRECT DAMAGES), AND
REASONABLE ATTORNEY’S FEES, RESULTING FROM OR ARISING OUT OF YOUR USE, MISUSE, ERRORS OR INABILITYTO USE THE ZELLE® PAYMENT SERVICE, OR ANY VIOLATION BY YOU OF THE TERMS OF THIS AGREEMENT.
70. Use of Our Online Banking Site and/or Mobile App. You agree to access the Site in compliance with our terms and conditions
that we make available elsewhere on the Site, which are incorporated into and made part of this Agreement by this reference.
71. Your Liability for Unauthorized Transfers. Section 126 (Your Liability for Unauthorized Transfers) shall not apply to the Zelle®
Payment Service. Immediately following your discovery of an unauthorized Zelle ® Payment Service Payment Instruction, you shallcommunicate with customer care in the manner set forth in Section 129 (Notices to Us). You acknowledge and agree that time is of
the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorizedtransactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorizedtransaction has been sent to you. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any
amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone fromtaking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, wewill extend the time periods specified above to a reasonable period.
When you give someone your password or other means to access your account through which you access the Zelle ® and Other
Payment Services, you are authorizing that person to use your service, and you are responsible for all transactions that person
performs while using your service. All transactions that person performs, even those transactions you did not intend or want
performed, are authorized transactions. Additionally, transactions that you or someone acting with you initiates with fraudulent intent
are also authorized transactions.
Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes.
72. Content Standards; Zelle® Tags.
A.

Content Standards: You agree that you will not upload or provide content or otherwise post, transmit, distribute, or disseminate
through the Zelle® Payment Service any material that: (1) is false, misleading, unlawful, obscene, indecent, lewd, pornographic,
defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (2) encourages conduct that would be considereda criminal offense or gives rise to civil liability; (3) breaches or infringes any duty toward or rights of any person or entity, including
rights of publicity, privacy or intellectual property; (4) contains corrupted data or any other harmful, disruptive, or destructive files;(5) advertises products or services competitive with Zelle®, as determined by Zelle® in its sole discretion; or (6) in Zelle®’s or oursole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Zelle® Payment
Service, or which may expose us, Zelle® or our respective affiliates or customers to harm or liability of any nature.

B.

Although neither we nor Zelle® have any obligation to monitor any content, both we and Zelle ® have absolute discretion toremove content at any time and for any reason without notice. We and Zelle ® may also monitor such content to detect andprevent fraudulent activity or violations of the terms and conditions. You understand that by using the Zelle ® Payment Service,
you may be exposed to content that is offensive, indecent, or objectionable. We and Zelle ® are not responsible for, and assume
no liability, for any content, including any loss or damage to any of your content. We and Zelle ® make no representation or
warranty that content uploaded to a User profile accurately identifies a particular User of the Zelle ® Payment Service.

C.

The Zelle® Payment Service may include functionality for you to add a unique alpha-numeric identifier to your registered User
profile to be used in lieu of your phone number or email address when sending or receiving money, which will be your “Zelle®
tag.” You will be limited to one Zelle® tag per bank account, and each Zelle ® tag must have one U.S. mobile phone number or
email address associated with it. Your Zelle® tag must meet the Content Standards in this Agreement. You may not select a
Zelle® tag that misleads or deceives other Users of the Zelle® Payment Service as to your identity, or otherwise. Although neither
we nor Zelle® have any obligation to monitor User Zelle® tags, both we and Zelle® have absolute discretion to remove a User
Zelle® tag at any time and for any reason without notice. We and Zelle ® may require you to change your Zelle ® tag in our sole
discretion, and we may elect to make a Zelle® tag unavailable to you, without any liability to you. We and Zelle ® may also monitor
User Zelle® tags to detect and prevent fraudulent activity or violations of this Agreement. You understand that by using the Zelle®
Payment Service, you may be exposed to a Zelle ® tag that is offensive, indecent, or objectionable. We and Zelle ® are notresponsible for, and assume no liability, for any User Zelle ® tags, including any loss or damage caused thereby. We and Zelle®
make no representation or warranty that a User Zelle® tag accurately identifies a particular User of the Zelle® Payment Service.
We respect the intellectual property of others and require that users of the Zelle ® Payment Service comply with relevant
intellectual property laws, including copyright and trademark laws. We may, in appropriate circumstances and at our discretion,
limit or terminate the use of our products or services for users who use or publish content on the Zelle ® Payment Service that is
subject to intellectual property rights claims.

73. Arbitration. You acknowledge and agree that for any claims or disputes you assert against Zelle® and Early Warning Services, LLC,
Zelle® and Early Warning Services, LLC are entitled to enforce Section 156 (Agreement to Arbitrate Claims) against you.
74. Zelle® Marks. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein underlicense.
© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 16

FHB MOBILE BANKING___________________________________________________________________________________________________________
75. Generally. FHB Mobile Banking offers you access to view account information (e.g., checking balances and last transactions),
perform transfers and payments, and allow you to deposit checks through use of an Android or Apple Mobile Device.
76. Privacy and User Information. You acknowledge that in connection with your use of FHB Mobile Banking, we and our Affiliates andService Providers may receive and may share with one another names, domain names, addresses, passwords, telephone and device
numbers, the content of messages, data files and other data and information provided by you or from other sources in connection
with FHB Mobile Banking (collectively “User Information”). We and our Affiliates and Service Providers will maintain reasonablesafeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information
as reasonably necessary to deliver FHB Mobile Banking and as otherwise permitted by law, including compliance with court orders
or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and asotherwise authorized by you. We and our Affiliates and Service Providers also reserve the right to monitor use of FHB Mobile Banking
for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation
to monitor, filter, or edit any content.
77. Apple® Touch ID™ and Face ID™ for Mobile Banking. Touch ID and Face ID are optional sign-in methods for FHB Mobile Banking
that are available for compatible Apple® devices. Biometric data used in connection with these optional sign-in methods is stored onyour Mobile Device only and we never see or store it. You acknowledge that by enabling these optional sign-in methods, you willallow anyone who has such biometric data stored on your device access to your personal and payment account information within
FHB Mobile Banking. We reserve the right to suspend or disable this feature at any time. Touch ID and Face ID can only be associatedwith one FHB Mobile Banking username at a time on a Mobile Device. If your Mobile Device does not recognize your biometric data
input, you can sign in using your standard login credentials (e.g. password). To use these optional sign-in methods for FHB Mobile
Banking on Multiple Devices, you will need to set it up for each device. You can enable or disable them anytime within FHB Mobile
Banking. Apple, Touch ID and Face ID are trademarks of Apple Inc.
78. Android® Fingerprint Login for Mobile Banking. Fingerprint Login, and any other biometric login method, are optional sign-in
methods for FHB Mobile Banking that may be available for certain compatible Android ® mobile devices. Biometric data used inconnection with these optional sign-in methods is stored on your device only and we never see or store it. You acknowledge that byenabling these optional sign-in methods, you will allow anyone who has such biometric data stored on your device to access yourpersonal and payment account information within FHB Mobile Banking. We reserve the right to suspend or disable this feature atany time. These optional sign-in methods can only be associated with one FHB Mobile Banking username at a time on a Mobile
Device. If your Mobile Device does not recognize your biometric data input, you can sign in using your standard login credentials(e.g. password). To use these optional sign-in methods for Mobile Banking on Multiple Devices, you will need to set it up for eachdevice. You can enable or disable such methods anytime within FHB Mobile Banking. Android is a trademark of Google Inc.

MOBILE DEPOSIT SERVICE___________________________________________________________________________________________________________
79. Generally. You may use the First Hawaiian Bank Mobile Remote Deposit Capture Service (“Mobile Deposit Service”) to makedeposits to your checking accounts through the FHB Mobile App on your Mobile Device to scan and transmit images of checks to us
or our processor.
80. Service Eligibility. To be eligible to use and continue to use the Mobile Deposit Service, you must be designated as the owner orauthorized signor of the Account, the Account must be in good standing at all times, and you and the Account must meet our current
eligibility criteria. We reserve the right to establish limits on the amount and frequency of deposits you can make through the Mobile
Deposit Service, and if one or more of your deposits exceed those limits, the deposit(s) will not be processed. If we permit you tomake a deposit in excess of these limits, that deposit will still be subject to the terms of this Agreement, and we will not be obligatedto allow such a deposit at other times.
81. Service Requirements and Limitations. To use the Mobile Deposit Service, you need the FHB Mobile App and a supported Mobile
Device. You must comply with all system requirements and security procedures described in this Agreement, and if you fail to comply
with those requirements, you may be unable to complete a deposit. We reserve the right to change the requirements to use andaccess the Mobile Deposit Service at any time without notice, including imposing additional requirements to maintain the appropriate
level of security for the Mobile Deposit Service. We are not responsible for any loss, damage, or issues you encounter when you use
the Mobile Deposit Service.
82. Eligible and Ineligible Items. You agree to scan and deposit only “checks” as that term is defined in Regulation CC of the Federal
Reserve Board (“Regulation CC”). You also agree that the image of the check transmitted to us will be deemed an “item” within themeaning of Articles 3 and 4 of the Hawaii Uniform Commercial Code. In order for us to accept and process your deposit, it must:•
Be an original paper check payable to and endorsed by you;•
Be payable in U.S. dollars at a financial institution in the U.S.;•
Be dated within six (6) months prior to deposit date;•
Have all fields completed; and•Be legible and in good condition.
You agree that you will not deposit any of the following ineligible items, which are checks that:•
Are payable to someone other than you (e.g., a third-party check);•
Have been altered in any way, are fraudulent or otherwise not authorized;© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 17

•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•

Are payable to you jointly with one or more other persons;Were previously converted to a “substitute check”, as defined in Regulation CC;
Are drawn on a financial institution located outside the U.S.;
Are “remotely created checks”, as defined in Regulation CC;
Are not payable in United States currency;
Are dated more than six (6) months prior to the date of deposit;
Are postdated;
Are prohibited by our current Service procedures or otherwise not acceptable under the Deposit Agreement;
Are payable on sight or payable through drafts, as defined in Regulation CC;
Have an endorsement on the back other than as specified in this Agreement;
Are drawn or issued by the U.S. Treasury Department;
Have been previously deposited with us or any other financial institution, including checks that have been returned unpaid(other than checks returned unpaid because the image quality is insufficient for the Mobile Deposit Service);
Are drawn on another account owned by you;
Are traveler’s checks;
Are money orders; or
Are postal orders.

83. Endorsements. You must endorse each check transmitted through the Mobile Deposit Service with the endorsement “For mobile
deposit only” or any other endorsement that we require.
84. Creation and Transmission of Check Images. Using a supported Mobile Device, you will create an electronic image of the front
and back of a check endorsed as required above and transmit the images and associated deposit information, including information
captured from the magnetic ink character recognition (“MICR”) line, to us or our designated processor for our review and processing.
The images of an item transmitted to us using the Mobile Deposit Service must be legible, as determined in our sole discretion.
Without limiting the foregoing, the image quality of the items must comply with the requirements established from time to time by us,
ANSI, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association. By using
the Mobile Deposit Service, you accept the risk that an item may be intercepted or misdirected during transmission. We bear no
liability to you or others for any such intercepted or misdirected items or information disclosed through such errors. Once you transmit
images using the Mobile Deposit Service, you will receive a notice on your Mobile Device acknowledging transmission of the images(“Transmission Notice”). The Transmission Notice does not mean that the transmission was error free, that the images were received
by us or our processor, or that the check is eligible for processing, is considered a deposit, or has been credited to your Account.
The Transmission Notice only means that the image has been sent to us or our processor by your Mobile Device.
85. Prohibition on Duplicate Deposits. Once you transmit an image of a check for deposit, you agree you will not try to deposit thatcheck again through the Mobile Deposit Service or otherwise deposit it or present it for payment with us or any other financial
institution or person, unless we send you a notice saying that your deposit cannot be processed through the Mobile Deposit Service,
as described in the paragraph titled “Review of Items” below.
86. Receipt of Items. Checks and items you submit through the Mobile Deposit Service will be deemed “received” by us for deposit
based on the time of receipt as well as receipt of an image that is complete, is usable, and meets all of the other requirements forremote deposits contained in this Section, including without limitation the standards described in Section 82 (Eligible and Ineligible
Items). A check that we receive by 5:00 p.m. Hawaii Standard Time (“HST”) on a Business Day will be deemed to have been received
on that Business Day. If we receive the deposit after that time or on a day that is not a Business Day, the deposit will be deemed tohave been received by us on the next Business Day. We are not responsible for items we do not receive, such as an image that is
dropped during transmission.
87. Review of Items. All checks and items submitted through the Mobile Deposit Service are subject to our verification and final
inspection process. We reserve the right to reject any check or item transmitted through the Mobile Deposit Service, at our sole
discretion, without liability to you. If the check is eligible for processing in accordance with this Agreement, we will present the check,either in electronic form or as a substitute check, directly or indirectly to the bank the paper check was drawn upon or payablethrough, or we will present or post the check if we are the paying bank. The manner in which any item transmitted through the Mobile
Deposit Service is cleared, presented for payment, and collected shall be in our sole discretion, subject to the terms of the Deposit
Agreement governing your Account. If we are not able to accept your deposit for any reason, such as the image is blurry, we cannot
read the MICR line, or your deposit is not eligible, we will send a notice that your deposit could not be processed through the Mobile
Deposit Service. If the check is eligible for processing in accordance with this Agreement but there is a discrepancy between the
check and the information that you submitted regarding the check, we have the right to process the check in accordance with theinformation on the check and to make such adjustments to your Account as necessary to correct the discrepancy. We will provide
you with notice of any such adjustment.
88. Availability of Funds. Funds deposited using the Mobile Deposit Service will be made available to you in accordance with the funds
availability policy in your Deposit Agreement.
89. Status Information Provided by the FHB Mobile App. After you transmit images using the Mobile Deposit Service, you will be able
to obtain information about the status of your deposit using the FHB Mobile App. This information is for your convenience only andis subject to change. For example, if a deposit that the FHB Mobile App identifies as approved is subsequently discovered to involvean ineligible item, we have the right to withdraw our approval and notify you that your deposit cannot be processed through the Mobile
Deposit Service.
© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 18

90. Disposal of Transmitted Items. You agree to retain each check that you transmit using the Mobile Deposit Service for at least sixty(60) calendar days from the date of the image transmission. After that 60-day period, you agree to destroy the check unless we notify
you that your deposit of that check could not be processed through the Mobile Deposit Service. You agree that you will take allnecessary efforts to safeguard any checks until they are destroyed. During the time the retained check is available, you agree toprovide it to us within one (1) Business Day following receipt of our request. If we send you a notice that your deposit could not beprocessed through the Mobile Deposit Service, you may visit any of our branches for further information about to deposit the check.
91. Errors. You agree to notify us of any suspected errors regarding items deposited through the Mobile Deposit Service right away,
and in no event later than thirty (30) days after your account statement is sent to you. Unless you notify us within the 30-day period,
the account statement regarding all deposits made through the Mobile Deposit Service shall be deemed correct, and you areprohibited from bringing a claim against us for such alleged error.
92. Chargebacks. If a check deposited through the Mobile Deposit Service credited to your account is subsequently returned to us or issubsequently determined not to be an eligible item, we have the right to charge back that check to your account at any time. You
agree that we are not liable for any loss, costs, or fees you may incur as a result of our chargeback of a returned or ineligible item.
93. Terms. You acknowledge and agree that the terms “check” and “item” in the Deposit Agreement include the images you make fordeposit through the Mobile Deposit Service.
94. Your Promises and Indemnification. You promise us that:•

You will not transmit any ineligible items.

•

You will not transmit duplicate items.

•

You will not transmit any item if you are aware of any facts or circumstances that may impair the collectability of that item.

•

The digital image of any check you transmit to us is a true and correct image of the original paper check and has not beenaltered in any manner by you or any third party acting on your behalf.

•

You have reviewed and confirmed that the image captured is identical in all respects to the original paper check and thatthe amount of the check captured is accurate.

•

You will not re-deposit or re-present the original item.

•

All information you provide to us is accurate and true.

•

You will comply with this Agreement and all applicable rules, laws, and regulations in using the Mobile Deposit Service.

You agree to indemnify, defend, and hold us harmless from any loss resulting from your breach of these promises, including any loss
or costs we incur as a result of accepting and processing a check or item you submit to us through the Mobile Deposit Service. Your
indemnification in this paragraph is in addition to, and does not replace, your general indemnification of us in this Agreement.
95. Cooperation with Investigations. You agree to cooperate with us in the investigation of unusual transactions or poor-qualitytransmissions, and in the resolution of claims related to items transmitted through the Mobile Deposit Service, including providing,upon request and without cost to us, any originals or copies of items deposited through the Mobile Deposit Service in your possession
and your records relating to such items and transmissions.
96. Change, Suspension or Discontinuance of Service. We reserve the right to change, suspend, or discontinue the Mobile Deposit
Service, in whole or in part, or to terminate your use of the Mobile Deposit Service, in whole or in part, immediately and at any time
without notice to you. We reserve the right, in our sole discretion, to add features, eliminate features, or modify features of the Mobile
Deposit Service from time to time. Any change will apply upon the effective date of the change, and will apply to your future use of
the Mobile Deposit Service, and your continued use of the Mobile Deposit Service will indicate your acceptance of any changes tothe Mobile Deposit Service.

MANAGE YOUR FINANCES SERVICE___________________________________________________________________________________________________________
97. Generally. The account aggregation and digital money management tools and services that involve accessing third-party accountinformation are collectively referred to as the “Manage Your Finances Service.” The Manage Your Finances Service is a personal
finance management tool that allows you to conveniently consolidate, organize, and track your financial information in one place. In
addition to your FHB Accounts, you can also add accounts from other financial institutions that the Manage Your Finances Service
provides links to, authorizing us to access and retrieve information from those accounts to provide a more complete financial picture.
The Manage Your Finances Service also provides automated spending and cashflow insights and budgeting and debt management
tools. You agree that, in order to provide the Manage Your Finances Service, we and/or our Service Providers must access thirdparty websites and databases to retrieve your information maintained by third parties with which you have customer relationships,
maintain accounts or engage in financial transactions.
98. Provide Accurate Information. You agree that all information you provide to us in connection with the Manage Your FinancesService is accurate, current, and complete. You agree not to misrepresent your identity or account information. You agree to keep
account information secure, up to date and accurate. You represent that you are a legal owner, or an authorized user, of the accounts
at third-party sites that you include or access through the Manage Your Finances Service, and that you have the authority to (i)designate us and our Service Providers as your agent, (ii) use the Manage Your Finances Service, and (iii) give us and our Service
Providers the passwords, usernames, and all other information you provide. We do not review your information for accuracy, legality
or non-infringement.
99. Content You Provide; Use of Your Personal Information and Data. Your initial use of the Manage Your Finances Service,including without limitation setting up links to your third-party accounts in the Manage Your Finances Service, is your authorization© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 19

for us or our Service Providers, as your agent, to access your designated third-party sites in order to retrieve information on acontinuing basis. You are licensing to us and our Service Providers any information, data, passwords, usernames, PINS, personallyidentifiable information or other content you provide through the Manage Your Finances Service. You agree we may use and maintainyour data separately and with that of other users of the Manage Your Finances Service and/or other services provided by us. You
authorize us and our Service Providers to use any information, data, passwords, usernames, PINS, personally identifiable informationor other content you provide through the Manage Your Finances Service or that we or our Service Providers retrieve on your behalf,
for purposes of providing and improving the Manage Your Finances Service, to design promotions and offer to you or make youaware of products and services that may be of interest to you, and for other business purposes. Except as otherwise provided herein,
we or our Service Providers, including third-party customer data platforms, may store, use, change, display, or distribute suchinformation or create new content using your personal information and data.
100. Authority to Access Information. You grant us and our Service Providers the continuing right to access information at third-party
sites on your behalf. Third-party sites shall be entitled to rely on the authorizations granted by you or through your account. For all
relevant purposes, you grant us and our Service Providers the right to access third-party sites to retrieve information and use suchinformation as described in this Agreement with the full power and authority to do and perform each and every act and thing required
and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person.
You understand and agree that the Manage Your Finances Service is not sponsored or endorsed by any third-party site. For purposesof this Agreement and solely to provide the Manage Your Finances Service, you grant us and our Service Providers a limited powerof attorney, and appoint us and our Service Providers as your attorney-in-fact and agent, to access third- party websites, retrieve
and use your information with the full power and authority to do and perform each thing necessary in connection with such activities,
as you could do on your own behalf. YOU ACKNOWLEDGE AND AGREE THAT WHEN WE OR OUR SERVICE PROVIDERSACCESS AND RETRIEVE INFORMATION FROM THIRD-PARTY SITES, WE/THEY ARE ACTING AT YOUR REQUEST AND
WITH YOUR PERMISSION AND AUTHORIZATION, AND NOT ON BEHALF OF THEMSELVES OR THE THIRD-PARTY SITES.
101. Privacy and Security. Our Service Providers will have access to the authentication credentials that you provide for accessing thirdparty accounts and will use them to obtain your account information only. Our Service Providers are subject to confidentiality andsecurity requirements. Neither your third-party authentication credentials nor your third-party full account numbers will be madeavailable to FHB or visible to FHB employees. We will use, maintain and protect any other personal information, including youraccount information, that is made available through the Manage Your Finances Service in accordance with our Privacy Policy.
102. Third-Party Accounts. With respect to any third-party sites we may enable you to access through the Manage Your FinancesService or any non-FHB accounts you include in Manage Your Finances Service, you agree to the following:A.

You are responsible for all fees charged by the third party in connection with any non-FHB accounts and transactions. You agree
to comply with the terms and conditions of those accounts and agree that this Agreement does not amend any of those terms
and conditions. If you have a dispute or question about any transaction on a non-FHB account, you agree to direct these to theaccount provider.

B.

Any links to third party sites that we may provide are for your convenience only, and we and our Service Providers do not sponsor
or endorse those sites. Any third-party services, which you may be able to access through the Manage Your Finances Service,
are services of the listed institutions. Neither we nor our Service Providers have responsibility for any transactions and inquiries
you initiate at third-party sites. The third-party sites you select are solely responsible for their services to you. Neither we nor our
Service Providers are liable for any damages or costs of any type arising out of or in any way connected with your use of theservices of those third parties.

C.

We are not responsible for the accuracy of account information received from third-party websites. We may not be able toforesee or anticipate technical or other difficulties that may result in failure to obtain data or loss of data, personalization settingsor other service interruptions. Further, we are not responsible for the timeliness, completeness, accuracy, deletion, non-delivery
or failure to store any user data, communications or personalization settings. Third-party account information may be more upto-date when obtained directly from the relevant website. You should periodically confirm the accuracy of your accountinformation through sources independent of us.

103. Insights. “Insights” is a tool in the Manage Your Finances Service available through the FHB Mobile App that provides personalized
insights, including information about your spending, deposits, subscriptions, and upcoming recurring payments, in a social-mediastyle feed to help you monitor and manage your finances. To make Insights more useful to you, you may provide feedback in the tool
about which types of Insights you would like to see more or less of. You can delete Insights from your feed at any time within the
FHB Mobile App. Insight content is based on information from your Accounts and other accounts you aggregate using the Manage
Your Finances Service. You should not rely on Insights for legal, tax, financial or other professional advice. Insights are notnecessarily provided in real-time.
104. Limitations of Services. Any information displayed or provided as part of the Manage Your Finances Service is for informational
purposes only, may not reflect your most recent transactions, and should not be relied on for transactional purposes.
105. Termination. Use of the Manage Your Finances Service to aggregate third-party accounts is completely voluntary and at your option.
Removal of third-party aggregated accounts can be done by removing those accounts from the Manage Your Finances Service tostop aggregation services. Although you may remove accounts from the Manage Your Finances Service, you will remain enrolled in
it as long as you have the FHB Mobile App. If you wish to discontinue the Manage Your Finances Service in FHB Online:
a. Send us a Secure Message through FHB Online; orb. Contact us at 808-643-4343 or toll-free at 1-888-643-4343
You agree that we must have a reasonable amount of time to act on your request. In addition, you agree that we may terminate orsuspend your use of the Manage Your Finances Service at any time and for any reason or no reason, including your non-use of the© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 20

Manage Your Finances Service. You acknowledge and agree that we may immediately deactivate or delete your account informationfrom the Manage Your Finances Service and all related information including any external accounts added to the Manage Your
Finances Service, any categorizations, goals, budgets or alerts set up in the Manage Your Finances Service and/or prohibit yourfurther access to all related files and the Manage Your Finances Service. Once removed, this information cannot be retrieved andwill need to be newly set up. Further, you agree that we will not be liable to you or any third party for any termination of your accessto the Manage Your Finances Service.
106. Anonymized Data. Anonymous, aggregate information, comprising financial account balances, other financial account data, or otheravailable data that is collected through your use of the Manage Your Finances Service, may be used by us and our Service Providers
to conduct certain analytical research, performance tracking and benchmarking. We or our Service Providers may publish summary
or aggregate results relating to metrics comprised of research data, from time to time, and distribute or license such anonymous,
aggregated research data for any purpose, including but not limited to, helping to improve products and services and assisting introubleshooting and technical support. We and our Service Provider may also use, sell, license, reproduce, distribute and disclose
aggregate non-personally identifiable information that is derived through use of the Manage Your Finances Service. Your personallyidentifiable information will not be sold to third parties.
107. Your Conduct. You agree not to use the Manage Your Finances Service or the content or information delivered through Manage
Your Finances Service in any way that would: (a) be fraudulent or involve the sale of counterfeit or stolen items, including but notlimited to use of the Manage Your Finances Service to impersonate another person or entity; (b) violate any law, statute, ordinanceor regulation (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination
or false advertising); (c) create liability for us or our Service Providers or cause us to lose the services of our Service Providers; (d)access the information and content programmatically by macro or other automated means; or (e) use the Manage Your FinancesService in such a manner as to gain unauthorized entry or access to computer systems.

MANAGE CARD ACCOUNT___________________________________________________________________________________________________________
108. Generally. Manage Card Account is a service in the FHB Mobile App that allows users to perform certain actions related to theiraccounts, including viewing electronic statements, activating cards, changing the Personal Identification Number (PIN), changing
certain cardholder profile information (statement mailing address, email address, phone number), and placing travel notices on theapplicable account. The service is only available for personal credit cards, small business non-roll-up credit cards, and debit card
holders. Certain features, including viewing electronic statements and updating mailing address are not available to debit card
holders.
109. Limitations. Using the service to modify cardholder profile information will only cause such information to be updated on theapplicable credit card or debit card account; it will not affect customer information maintained for other accounts. You will also not beable to use the service to modify profile information associated with an account that is less than thirty (30) days old. For joint accounts,
certain features, including electronic statements and card activation, may only be available on the primary account. In addition,certain features, including card activation and travel notices, are not available for accounts that are in a negative status and travel
notices may be limited to a certain number of days. We may add or cancel features of the Manage Card Account service from time
to time and we are not obligated to notify you when we do so.

ALERTS/NOTIFICATIONS___________________________________________________________________________________________________________
110. Generally. We provide three types of “Alerts”:
A.

“Security Alerts” notify you when important changes are made online to your FHB Online account, such as changing your email
or home address, telephone number, Online ID or password. Security Alerts are sent to your FHB Online email address on fileor via SMS text to your phone. Security Alerts by email are automatic. You can also opt in to Security Alerts by text.

B.

“System Alerts” notify you of important account activities or when certain changes are made to the Services. For example, youwill receive a System Alert if you add a new payee or schedule a payment or transfer. System Alerts are sent to your FHB Online
email address on file. System Alerts are automatic and certain alerts cannot be turned off.

C.

“Customer-Defined Alerts” allow you to request an alert when certain user-defined conditions are met. For example, you canrequest a Customer-Defined Alert Notification when your account balance exceeds a certain threshold. You must select andactivate Customer Defined Alerts and you may turn them off at any time. You are responsible to input accurate information to
set up the Customer-Defined Alert. Customer-Defined Alerts are not made in real time and are generally sent once per day.
Customer-Defined Alerts do not replace standard communications you receive from us concerning your Accounts. We are notresponsible for any losses, damages, or expenses that may occur if a Customer-Defined Alert is not set up properly or is notprocessed as a result of factors beyond our reasonable control. Customer-Defined Alerts can be delivered by email notification,text message, voice call, or push notification to your mobile device based on where you set up the alert. Certain types of
Customer-Defined Alerts, including Customer-Defined Alerts that relate to aggregated third-party accounts, may only be set up
in the FHB Mobile App or the Manage Your Finances tab in FHB Online and can only be delivered as push notifications to yourmobile device.

111. Methods of Delivery. We may provide Alerts through one or more channels (collectively, “EndPoints”): (a) a mobile device, by text
message or voice call; (b) a mobile device, by push notification; or (c) an email account, by an e-mail message. You agree to receive
Alerts through these EndPoints, and it is your responsibility to ensure that each of your service providers for the EndPoints support
the email, push notification, voice call, and text message Alerts provided through the Alerts service. You agree to provide us a valid© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 21

and updated mobile phone number and/or email address so that we may send you Alerts. Different types of Alerts have different
setup methods and available delivery channels as detailed in the chart below.
Type of Alert

Setup Method

Security Alerts

Automatic email, opt in for text alerts in“Delivery Preferences”
AutomaticFHB Online Services Tab under Alerts;
FHB Mobile App SMS & EmailNotifications under SettingsFHB Online Manage Your Financestab; FHB Mobile App Push Notifications
under Settings
FHB Mobile App Account Details tab,Manage Alerts button (for credit card
accounts and checking accounts with
debit cards; excludes corporate andsmall business roll-up credit cards*)

System Alerts
Customer-Defined
AlertsCustomer-Defined
AlertsCustomer-Defined
Alerts (Card Alerts)*

Text Message

Push
Notification

Email

X

X

X

X
X

Voice
Call

X

X

X

X

* Corporate card and small business roll-up accounts (Priority Destinations and Priority Rewards) may be automatically enrolled toreceive a limited set of Card Alerts by email. These Card Alerts may be sent to email addresses on file for the corporate accountmanager and/or employee card holder. These Card Alerts cannot be set up or managed in FHB Mobile. To opt out of these Card
Alerts, contact BankCard Customer Service at 808-844-4567.
112. Text Messages. The “First Hawaiian Bank Transaction and Account Alerts” message program is operated by First Hawaiian
Bank and may send text alerts from short code number 50276 or 86434. From FHB Online or the FHB Mobile App, you can
opt in to receive different types of accounts updates, purchase alerts and service alerts. Message frequency varies based onuser settings and account activity. Message and data rates may apply. You may disable text alerts by turning them off in FHB Online
or the FHB Mobile App, or by replying STOP to the applicable short code. If you have subscribed to multiple categories of text alerts
and want to cancel all of them, you will need to opt out separately from each. If you cancel by texting STOP to a short code and youchange your mind, please text START to start receiving text alerts again from that short code. You may also text HELP to the shortcode or call us at 888-844-4444 for additional information. Text alerts are not available for numbers outside the U.S. Carriers are
not liable for delayed or undelivered messages. Messages may be delayed or not delivered due to factors outside of their control.
For more information, please see our Short Code Privacy Policy at https://www.fhb.com/en/short-code-privacy-policy.
113. Limitations. We may add or cancel Alerts from time to time. We usually notify you when we cancel Alerts, but we are not obligatedto do so. We may also terminate this Alerts service at any time without prior notice to you. We provide Alerts as a convenience toyou for information purposes only. An Alert does not constitute a bank record for the deposit or credit Account to which it pertains.
We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge that Alerts may not be sent inreal time and your receipt of any applicable Alerts may be delayed or prevented by factor(s) affecting your mobile phone service
provider, internet service provider(s) and other factors outside our control. Card Alerts will not be provided for debit card transactions
that require the use of a PIN. We neither guarantee the delivery nor the accuracy of the contents of any Alert. You agree that we are
not liable for any delays, failure to deliver, or misdirected delivery of any Alert, for any inaccurate or incomplete content in an Alert orfor any actions taken or not by you or any third party as a result of an Alert.
114. Alerts Not Encrypted. As Alerts delivered via text, email and push notifications are not encrypted, we will never include yourpassword or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name andsome information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.

PRIORITY REWARDS & PRIORITY DESTINATIONS BUSINESS CREDIT CARDHOLDERS ONLY___________________________________________________________________________________________________________
115. Generally; Limitations. If you are a Business Customer with a Business Credit Card Account, FHB Online allows you to obtainbalance and transaction information for your Business Credit Card Account and to transfer money between certain Accounts.
However, your use of FHB Online as to your Business Credit Card Account is specifically limited to the following features:A.

If you are the owner of the Business Credit Card Account, you may use FHB Online to: (i) review all transaction information on
the Business Credit Card Account; and (ii) make transfers to the Business Credit Card Account from certain Accounts.

B.

If you are an individual cardholder on the Business Credit Card Account, you may use FHB Online to review your individualtransaction information on the Business Credit Card Account.

ENTITLEMENTS FOR BUSINESS CUSTOMERS___________________________________________________________________________________________________________
116. Generally. The Entitlements for Business Customers service (“Entitlements”) allows businesses enrolled for FHB Online BusinessBanking to have multiple users with individual access to selected business Accounts. Authorized signers (each, a “Business User”)
for all the business’s accounts also have the ability to create additional users for employees, an accountant, or others (each, a “Subuser”). The Sub-user will log in with its own FHB Online credentials. For each Sub-user, the Business User must for each businessAccount, select one or more of the following access levels (defined below): No Access, View, Deposit and/or Withdraw (each, an“Account Access Level”). The default Account Access Level assigned to a Sub-user is No Access.
© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 22

No Access: Hides the Account from the Sub-user’s view.
View: Allows the Sub-user inquiry-only access to the selected Account; no money movement access is allowed
Deposit: Allows the Sub-user to make a mobile check deposit and transfer or receive a transfer or Zelle® payment into the
Account.
Withdraw: Allows the Sub-user to initiate transfers or payments from the Account via Internal Transfer, External Transfer, Online
Bill Pay and Zelle®, if those features are enabled for the Sub-user. Providing access to these features allows the Sub-useraccess to those features without the ability for Business Users to see or review any payments or transactions.
Once an Account Access Level is selected, a Business User must confirm the Sub-user’s accessible features (the “Feature Access
Level”). The default Feature Access Level assigned to each Sub-user, including money movement, are enabled by default except
for User Management Access. Business Users should not enable User Management access to prevent Sub-users from creating newusers or modifying or deleting Business User or other Sub-user access. Descriptions of the features are available at
fhb.com/entitlements. By providing access to these features, it is your responsibility as the Business User to add/remove access to
all Accounts and features as appropriate.
Appointing a Sub-user within the Entitlements feature does not mean that such person has the same privileges or authorizations on
the designated account(s) when banking by telephone or in-person.
Entitlements may not be available for certain accounts or customers, and we reserve the right to change, restrict, limit, deny, suspendor revoke Access Levels and any other access to Entitlements services in our sole discretion.
117. Sub-User Authorization. We will consider the appointment of a Sub-user by one Business User of an Eligible Account as a Subuser appointed by all other owners of that Eligible Account. By granting User Management or Withdraw access to a Sub-user, you
permit that Sub-user to create new users or modify and delete Business Users or other Sub-users access or initiate funds transfers
or other transactions on an Eligible Account through an FHB Online Service. You hereby authorize all transactions performed by a
Sub-user on an Eligible Account.
118. Sub-User Appointments. For each Sub-user appointment, you acknowledge and agree that:A.

Each Sub-user will be acting as your agent and has read, understood, and will be bound by this Agreement, and any
amendments thereto, and any separate Other FHB Agreements that govern the Eligible Account(s).
B. Each Sub-user will access, view and transact on, as applicable, each Eligible Account, and use each Service in accordance with
the Access Level granted to the Sub-user by you.
C. Each time the Sub-user accesses, views or transacts on, as applicable, an Eligible Account, you represent and warrant that you
authorize the Sub-user’s action.
D. If you allow a Sub-user to initiate funds transfers or other transactions, then you agree that for those transactions the Sub-user
is an authorized signer on the Eligible Account, subject to the terms of the Other FHB Agreements for your applicable Eligible
Account.
E. We may rely and act on the instructions of any Sub-user. All transactions performed by a Sub-user on an Eligible Account,
including those that you personally did not want or intend, are transactions authorized by you.
F. If we get conflicting instructions, or if we believe that an Eligible Account’s security or our security may be at risk as a result of a
Sub-user, we may, at our sole discretion, remove, restrict, limit or suspend the Sub-user’s access to Entitlements, an Eligible
Account or an FHB Online Service.
G. You are responsible for monitoring the activity of your Sub-users, and the actions taken using your or your Sub-user’s FHB
Online credentials. You agree to review your list of Sub-users as frequently as necessary to ensure the list is current and theAccess Levels are appropriate.
H. You are responsible for ensuring that each Sub-user maintains the confidentiality of the Sub-user’s FHB Online credentials (username, password and other security information), and complies with the password and Security Procedures in this Agreement.
119. Your Responsibility. You are solely responsible for managing access to your Eligible Accounts, including the Account and Feature
Access Levels and revoking access, of your Sub-users. We are not responsible for any losses you or others may incur if your Subuser(s) exceed his or her authority or if you fail to review or revoke access granted to Sub-users. You agree to indemnify, defend,
release and hold us harmless for any loss, injury or damage you or others incur as a result of: the actions or inactions of your Subuser; your failure or delay in notifying us of any modification or revocation of any Sub-user authorization; and/or any losses ordamages you may incur before we have a reasonable opportunity to act on your notice or instruction.
120. Modifying or Revoking Sub-User Authorization. If you revoke Access for a Sub-user, any pending and scheduled transactions
initiated by the Sub-user will continue to process unless you contact us to cancel the transaction prior to processing, in accordancewith our policies and procedures. We reserve the right to remove, suspend, or limit the access of a Sub-user from an Eligible Accountat any time, and for any reason, without notice to you, any Eligible Account owner or the Sub-user. If you tell us that a Sub-user is
no longer authorized on your Eligible Account we will, after we have a reasonable opportunity to act on your notice, considertransactions performed by the Sub-user unauthorized, and we reserve the right, but not the obligation, to require verification fromyou and/or to deliver this notice to us in writing. If the Sub-user is designated as such on more than one of your Eligible Accounts,
you must identify all of the Eligible Accounts affected.
121. Our Termination of Sub-User Authority. A Sub-user’s authority on Eligible Account(s) will terminate after we have a reasonable
opportunity to act on any of the following:•

An Eligible Account owner or any authorized signer notifies us that the Sub-user’s authority has been revoked.

© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 23•

An Eligible Account owner notifies us that the owner or an authorized signer who appointed the Sub-User is no longer anowner or authorized signer on the Eligible Account.

•

A formal written notice of the death or incapacity of the Eligible Account owner or authorized signer who was responsible
for appointing the Sub-user (applicable to sole proprietor business accounts only).

•

The Sub-user is no longer enrolled in the Entitlements Service as a Sub-User.

FEES__________________________________________________________________________________________________________
122. Monthly Fees. Once you have signed up for FHB Online, you will be charged a monthly fee in accordance with the table below,
whether or not you use FHB Online during the month unless, before the beginning of the month, you cancel your enrollment. If joint
accountholders enroll separately in FHB Online, each will be considered as a separate FHB Online user and each will be assessed
the applicable monthly fee. Monthly fees, if any, are generally payable in advance and will be deducted from your designated checking
Account at the beginning of the month. Should your designated checking Account be overdrawn or have insufficient funds to covera monthly fee, we still charge your checking Account for the fee and a special handling charge, or we may deduct it from any other
Deposit Account. Fee waivers are applied on the first of the month. For Priority Banking fee waivers, you must have had an open
Priority Banking checking account as of the last business day of the preceding month. For a fee waiver related to direct deposits, youmust have had at least $500 in direct deposits in the preceding month.
Personal Checking Customers *Type of Service or Feature

Personal Checking Fees

Online Banking (includes Internal Transfers, External
Transfers, Zelle®, Manage Your Finances, Alerts, Electronic
Statements, and FHB Mobile Banking)
Online Bill Pay

No Charge

No Charge for Personal Priority Banking Checking accounts,
Complete Checking, and Pure Checking with a minimum of$500 in direct deposits per calendar monthExpedited Payment Fee$5.99 per month for all other checking customers
Same-Day (electronic): $9.95 per payment

Paper + Electronic Statement Fee (Deposit Accounts Only)

Overnight (paper): $14.95 per payment$5.00 per month(No Charge for Electronic Statement Only or Paper Only)

Business Checking Customers *Type of Service or Feature

Business Checking FeesFHB Online Business Basic(includes Online Banking; does not include Bill Pay, Zelle®
or Entitlements)FHB Online Business Banking(includes Online Banking, Bill Pay, Zelle® and Entitlements)

No Charge

No Charge for Business Priority Banking Checking
accounts.

Expedited Payment Fee$5.99 per month for all other customers
Same-Day (electronic): $9.95 per payment

Paper + Electronic Statement Fee (Deposit Accounts Only)

Overnight (paper): $14.95 per payment$5.00 per month(No Charge for Electronic Statement Only or Paper Only)* All fees are subject to change by us from time to time. Contact us any time for a current fee schedule.
123. Other FHB Fees Apply. Fees for using FHB Online are in addition to the standard charges for your Accounts that apply without
regard to FHB Online service. Fees and finance charges may be imposed if a payment or transfer from a Deposit Account results inan advance from your Yes-Check Account or if a transfer is made from another Loan Account. All of these charges are separately
disclosed to you in the agreements that apply to such Accounts.
124. Other Third-Party Fees. You are responsible to pay for any other charges you may incur in connection with your use of FHB Online,
such as long-distance charges, text messaging charges, or Internet service provider fees.

© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 24

NOTICES TO US; ERROR RESOLUTION PROCEDURES FOR CONSUMER ACCOUNTS___________________________________________________________________________________________________________
125. In Case of Errors or Questions About Your Electronic Transfers. Telephone us at 808-643-4343 (or 1-888-643-4343 from thecontinental U.S., Guam or CNMI). Or write us at First Hawaiian Bank, FHB Online, P.O. Box 1959, Honolulu, Hawaii 96805-1959.
Contact us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listedon the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which
the problem or error appeared. When you contact us:•Tell us your name and account number;•

Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or
why you need more information; and•Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) Business Days.
We will determine whether an error occurred within ten (10) Business Days after we hear from you and will correct any error promptly.
If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do
this, we will provisionally credit your account within ten (10) Business Days for the amount you think is in error, so that you will havethe use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question inwriting and we do not receive it within ten (10) Business Days, we may not provisionally credit your account. For errors involving new
accounts, we may take up to ninety (90) days to investigate your complaint or question and up to twenty (20) Business Days toprovisionally credit your account.
We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we
will send you a written explanation. You may ask for copies of documents that we used in our investigation.
126. Your Liability for Unauthorized Transfers. You must tell us IMMEDIATELY at the phone number or address listed in preceding
section if you believe that your username, password, PIN or other personally identifiable information has been lost, stolen,compromised, or may have been discovered by a third party, or someone has transferred or may transfer money from your Accountwithout your permission, or any of your Accounts have been improperly accessed. Telephoning us immediately is the best way tokeep your possible losses down. You could lose all the money in your Accounts (plus the credit available under your Yes-Check lineof credit). If you tell us within two (2) Business Days after you learn of the loss, theft, compromise, or discovery by a third party ofyour username or password, or the discovery of unauthorized use, you can lose no more than $50 if someone used your username
and password without your permission.
If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, compromise or discovery of your username or
password by a third party and we can prove we could have stopped someone from using your username and password without yourpermission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after thestatement on which the problem or error appeared was sent to you, you may not get back any money you lost after the sixty (60)days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (suchas a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
127. Our Liability for Failure to Complete Transactions. If we do not complete an FHB Online transfer, Bill Payment, or Zelle® Payment(collectively in this Section referred to as a “Transfer”) to or from your Deposit Account on time or in the correct amount according toour agreements with you, we will be liable for your direct losses or damages. However, there are some exceptions. We will not beliable, for instance:•

If, through no fault of ours, you do not have enough money in your Deposit Account (and, if linked to a Yes-Check line of credit,
enough available credit) to make the Transfer.

•If any portion of the system used to access or use FHB Online was not working properly and you knew about the breakdown
when you started the Transfer.

•

If circumstances beyond our control (such as strikes, riots, fire, flood, hurricane, power failure, equipment failure, government
action, computer viruses, computer hackers, etc.) prevent the Transfer, despite reasonable precautions we have taken.

•

If you violate any law or regulation in connection with your use of FHB Online, including without limitation the sanctions laws
administered by the U.S. Office of Foreign Asset Control.

•

If you did not properly follow the terms of this Agreement or online instructions on how to make the Transfer.

•

If you did not give us complete, correct, and current instructions regarding the Transfer.

•

If you did not authorize a payment soon enough for the payment to be made, transmitted, received, and credited by the payee
on or before the due date.

•

If there are postal delays or processing delays by the Payee.

•

If your Computer Equipment malfunctioned for any reason.

•

If your Computer Equipment is unsuitable or incompatible for any Service, regardless of the cause of the error or failure.

•If the Transfer could not be completed because the FHB Online system was unavailable, as discussed in Section 133 below.

•

If we or you terminate this Agreement before a Transfer is scheduled to occur.

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In addition to the above, there may be other exceptions stated in our agreements with you.
128. Consumer Users and Accounts Only. The error resolution and liability terms in this Section apply solely to consumers making
electronic transfers and do not apply to Investment Accounts, Trust Accounts, Insurance Policies, or Business Customers. Subject
to applicable law, if you are a Business Customer or if an Investment Account, Trust Account, or Insurance Policy is involved,
you assume the entire risk for fraudulent, unauthorized, or otherwise improper use of FHB Online and/or your credentials.
129. Notices to Us. Unless we expressly state otherwise in this Agreement, any written notices to us concerning FHB Online must be
sent by postal mail to the address shown in Section 125 (In Case of Errors or Questions About Your Electronic Transfers). You canalso reach us at the telephone number above or by messages as described below for questions and other purposes concerning FHB
Online, but such calls or messages will not constitute legal notices under this Agreement. Notice from any one of you will be effective
for all of you. Your notices will be effective when we have had an opportunity to act upon the notice after it is received by us except
as to situations in which this Agreement provides or contemplates an earlier effectiveness.

MESSAGE SYSTEM AND OTHER COMMUNICATIONS___________________________________________________________________________________________________________
130. Use Messages Only For Non-Urgent Communications. FHB Online allows you to send us secure “Messages.” We will not monitor
our Message system continuously and your Messages to us may not be read for several hours or until the following Business Day.
Therefore, you should not rely on Messages and if you need our immediate attention, call us at 808-844-4444 (or 1-888-844-4444).
For example, if you need to stop payment on a paper check, to report a lost or stolen card, or to report an unauthorized transaction
from one of your Accounts, you should call us to ensure prompt action on your request. We will not take action based on your
Message requests until we actually receive and read your Message and have a reasonable opportunity to act on it.
131. Limitations of the Message System.
•
You cannot use email or Messages to initiate money-movement transactions on your Account.
•

The Message system may not be used to submit transaction requests involving Investment Accounts, Trust Accounts, orInsurance Policies. Contact our Wealth Management Group directly to submit such transaction requests.

•

We cannot act on email or other messages that you send us from an external email address (e.g., email outside the FHB Online
system). If you would like to contact us, send us a Message through the Site using a web browser, or by other traditional meansof contacting us, such as telephone, mail, or in person at an FHB branch.

132. Text Messages, Calls and/or Emails to You. By providing us with a telephone number (including a wireless/cellular mobile phone
number) and/or email address, you consent to receiving calls from us and our Service Providers at that number INCLUDING THOSE
MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM (“ATDS”), and/or emails from us for our everyday businesspurposes (including identify verification). You acknowledge and agree that such telephone calls include, but are not limited to, live
telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an ATDS from us or our Affiliates
and agents. You further consent to receiving, text messages from us, and/or emails from us for marketing purposes in connection
with FHB Online and the Services, and consistent with our Privacy Policy. Please review our Privacy Policy for more information.

SYSTEM UNAVAILABILITY, CUTOFF TIMES & ACCOUNT UPDATES___________________________________________________________________________________________________________
133. System Unavailability. FHB Online will not be available during periods of scheduled or unscheduled maintenance, with or without
notice. Generally, weekly routine FHB Online maintenance will occur between the hours of 8:00 p.m. Saturdays through 4:00 a.m.
Sundays, HST, but outages may vary depending on the Service Provider. There will also be brief daily maintenance or otherunscheduled maintenance during which times FHB Online may not be available. FHB Online might also be unavailable as a resultof unforeseeable events, such as earthquakes, fires, floods, computer failures, interruptions in power or telephone service, strikes,
labor shortages, epidemics, pandemics, or in the event that we or the Service Provider determine that use of FHB Online does notcomply with the requirements of applicable service agreements.
134. Cutoff Times. All Transfers and Bill Payments that you complete and transmit will generally be processed in accordance with thefollowing cutoff times (“cutoff time”) on every Business Day, although we cannot assure that this will not occasionally be later.
Transactions transmitted at or after the actual cutoff time or on a day other than a Business Day will be processed on or after thecutoff time on the following Business Day. The cutoff time for Bill Payment Services will be as shown online in the Bill Payment
Service.
SERVICEAPPLICABLE CUTOFF TIME

Bill Pay

10:00 p.m. Eastern Standard Time

External Transfers

1:00 a.m. Eastern Standard Time (standard)
5:00 p.m. Pacific Standard Time (next day, if
applicable)

Zelle®

6:00 p.m. Eastern Standard TimeInternal Transfers

10:00 p.m. Local Time

Mobile Deposits

5:00 p.m. HST© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 26

135. Deposit and Loan Accounts. Transaction information for Deposit and Loan Accounts will be updated at about 8:00 a.m. HST,
Tuesday through Friday, excluding the day following a holiday and at about 10:00 a.m. HST on Saturdays, although we cannot
assure that this will not occasionally be later.
136. Investment and Trust Account Updates. Account information for Investment and Trust Accounts whose balances are displayed in
FHB Online will generally be updated each Business Day when the market is open to reflect information from the prior Business Day
when the market was open.
137. Insurance Policy Valuation Information. Valuation information is only available for certain Insurance Policies. Valuation
information, if available, will be updated on a monthly basis.
138. Non-Liability. We and our Service Provider cannot and do not assume responsibility for losses, damages, or expenses that may
occur because the FHB Online is unavailable at any given time, even if that unavailability is unscheduled, or because Accountinformation is not updated.

PRIVACY AND USE OF YOUR PERSONAL INFORMATION___________________________________________________________________________________________________________
139. Your Privacy. Protecting your privacy is very important to us. Please review our Privacy Policy in order to better understand ourcommitment to maintaining your privacy, as well as our use and disclosure of your information.
140. Disclosure of Account Information to Third Parties. It is our general policy to treat your account information as confidential.
However, we will disclose information to third parties about your account or the transactions you make in the following situations
pursuant to our Privacy Policy, in addition to the circumstances set forth in Section 141 (Information Authorization):A.

Where it is necessary for completing transactions.

B.

When it is necessary for activating additional services.

C.

In order to verify the existence and condition of your account for a third party, such as credit bureau or Biller.

D.

To a consumer reporting agency for research purposes only.

E.

In order to comply with government agency or court orders.

F.

If you give us your written permission.

G. When it is necessary or helpful to enable you to use FHB Online, such as obtaining Account information or performing any otherfunctions or transactions described in this Agreement, or to resolve questions or problems regarding your use of FHB Online.
141. Information Authorization. Your enrollment in the applicable Service may not be fulfilled if we cannot verify your identity or othernecessary information. Through your enrollment in or use of each Service, you agree that we reserve the right to request a review ofyour credit rating at our own expense through an authorized bureau. In addition, and in accordance with our Privacy Policy, youagree that we reserve the right to obtain personal information about you, including without limitation, financial information andtransaction history regarding your Eligible Transaction Account. You further understand and agree that we reserve the right to use
personal information about you for our and our Service Providers’ everyday business purposes, such as to maintain your ability toaccess the Services, to authenticate you when you log in, to send you information about the Service, to perform fraud screening, toverify your identity, to determine your transaction limits, to perform collections, to comply with laws, regulations, court orders andlawful instructions from government agencies, to protect the personal safety of subscribers or the public, to defend claims, to resolve
disputes, to troubleshoot problems, to enforce this Agreement, to protect our rights and property, and to customize, measure, andimprove the Services and the content and layout of the Site. Additionally, we and our Service Providers may use your information forrisk management purposes and may use, store and disclose your information acquired in connection with this Agreement aspermitted by law, including (without limitation) any use to effect, administer or enforce a transaction or to protect against or prevent
actual or potential fraud, unauthorized transactions, claims or other liability. We and our Service Providers shall have the right toretain such data even after termination or expiration of this Agreement for risk management, regulatory compliance, or audit reasons,and as permitted by applicable law for everyday business purposes. In addition, we and our Service Providers may use, store anddisclose such information acquired in connection with the Services in statistical form for pattern recognition, modeling, enhancement
and improvement, system analysis and to analyze the performance of the Services. The following provisions apply to certain
Services:
A.

Mobile Subscriber Information. You authorize your wireless carrier to disclose information about your account, such as
subscriber status, payment method and device details, if available, to support identity verification, fraud avoidance and otheruses in support of transactions for the duration of your business relationship with us. This information may also be shared withother companies to support your transactions with us and for identity verification and fraud avoidance purposes.

B.

Device Data. We may share certain personal information and device-identifying technical data about you and your devices with
Service Providers, who will compare and add device data and fraud data from and about you to a database of similar device
and fraud information in order to provide fraud management and prevention services, which include but are not limited to
identifying and blocking access to the applicable service or Web site by devices associated with fraudulent or abusive activity.
Such information may be used by us and our Service Providers to provide similar fraud management and prevention services
for services or Web sites not provided by us. We will not share with service providers any information that personally identifies
the user of the applicable device.

142. Our Reserved Rights. We also reserve the right to use personal information about you for our and our Service Providers’ use to
send you information about our and our Service Providers’ products and services.
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143. Privacy of Others. If you receive information about another person through a Service, you agree to keep the information confidential
and only use it in connection with such Service.

TERMINATION OF FHB ONLINE ENROLLMENT OR ACCOUNTS___________________________________________________________________________________________________________
144. Termination, Cancellation, or Suspension. Either you or we may terminate this Agreement at any time. You may do so by
contacting us by email, letter, secure message or telephone call with your request. Any payment(s) that have begun processing
before the requested cancellation date will be processed by us. You agree that we may terminate or suspend your use of any or all
Services at any time and for any reason or no reason. Neither termination, cancellation nor suspension shall affect your liability or
obligations under this Agreement. Termination, in whole or in part, may result in discontinuance of Services, in whole or in part asapplicable, and may result in deletion, forfeiture and destruction of information associated with your Account. We are not required toreinstate or re-activate any or all of the Services.
145. Effect of Closing Accounts. If you cease to have any Accounts with us, we reserve the right to terminate your FHB Online enrollment
without notice. If either you or we close an Account while there are any payments pending, this will cancel all payments scheduled
to be made from that Account but will not terminate this Agreement as to other Accounts. In all cases, you will remain responsible
for all Transfers or Bill Payments that you have requested even if the Account is closed unless all Transfer(s) and/or Bill Payment(s)are cancelled as provided in FHB Online.

CHANGES TO THIS AGREEMENT AND THE SERVICES___________________________________________________________________________________________________________
146. Our Rights. We may change this Agreement by modifying any or all of its terms, or by adding new terms or removing some of its
terms. For example, changes may include increases or decreases in the monthly fees payable under this Agreement, or the additionof new fees for other services offered under this Agreement. We may also change, add, limit, suspend, delete, discontinue or impose
restrictions features or Services, or any part of it, at any time without notice. We will give you notice of all changes to this Agreement
and the Services as set forth below. Your continued use of FHB Online will signify that you agree with the changes.
147. Notice of Changes. We will provide you with advance notice of any change unless: (i) we believe that immediate implementation of
the change is necessary to protect the security or integrity of the FHB Online system; (ii) the change is an enhancement to FHB
Online; or (iii) the change does not increase your obligations or reduce your rights under the Agreement or with regard to FHB Online.
148. Notices to You. You agree that we may provide notice to you by posting it on the Site, sending you an in-product message within
the applicable Service, emailing it to an email address that you have provided us, mailing it to any postal address that you haveprovided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited tothe mobile phone number that you have listed in your Service setup or customer profile. Notices will be effective on the earliest ofwhen the notice is displayed upon login to FHB Online, when the notice is deposited with the U.S. Postal Service, or when the notice
is transmitted by email or text, unless we indicate within the notice a later effective date.

DISCLAIMER OF WARRANTIES, INDEMNIFICATION, RELEASE, AND LIMITATION OF LIABILITY___________________________________________________________________________________________________________
149. No Warranties. FHB Online provides information furnished by third parties, which may include links to other websites. Our Service
Provider may be furnishing this information and these links. However, neither the Service Provider nor we are or will be making any
warranties, express or implied, regarding this information or any links to other websites, and we assume no responsibility for theaccuracy, completeness, reliability, or suitability of the information provided by our Service Provider or other third parties or the
information, offers, or activity found on other websites to which you may be sent via a link on FHB Online.
YOU AGREE YOUR USE OF FHB ONLINE, INCLUDING ALL SERVICES AND PLATFORMS, AND ALL INFORMATION AND
CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK.
FHB ONLINE AND THE SERVICES AND RELATED DOCUMENTATION ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUTWARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIEDWARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN
PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OURSERVICE, AND OPERATION OF FHB ONLINE MAY BE INTERFERRED WITH BY NUMEROUS FACTORS OUTSIDE OF OURCONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOINGDISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY ALSOHAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.
NEITHER WE NOR OUR SERVICE PROVIDERS MAKE ANY WARRANTY THAT: (A) FHB ONLINE WILL MEET YOURREQUIREMENTS; (B) FHB ONLINE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS
THAT MAY BE OBTAINED FROM FHB ONLINE WILL BE ACCURATE OR RELIABLE; (D) THE QUALITY OF ANY PRODUCTS,SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH FHB ONLINE WILL MEET YOUREXPECTATIONS; AND (E) ANY ERRORS IN FHB ONLINE WILL BE CORRECTED.
ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH FHB ONLINE IS DONE AT YOUR OWN DISCRETION
AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATATHAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR
WRITTEN, OBTAINED BY YOU FROM US OR OUR SERVICE PROVIDERS THROUGH OR FROM FHB ONLINE WILL CREATE
ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 28

150. Indemnification. YOU AGREE TO DEFEND, INDEMNIFY AND HOLD HARMLESS US AND OUR AFFILIATES AND SERVICEPROVIDERS AND THEIR AFFILIATES AND THE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS AND AGENTS OF
EACH OF THESE, FROM ANY LOSS, DAMAGE, CLAIM OR DEMAND (INCLUDING SETTLEMENT AMOUNTS AND
ATTORNEYS’ FEES) MADE OR INCURRED BY ANY THIRD PARTY DUE TO OR ARISING OUT OF YOUR BREACH OF THISAGREEMENT AND/OR YOUR ACCESS TO OR USE OF FHB ONLINE, OR ANY PORTION THEREOF, INCLUDING THE
SERVICES, OR YOUR INFRINGEMENT, OR INFRINGEMENT BY ANY OTHER USER OF YOUR ACCOUNT, OF ANYINTELLECTUAL PROPERTY OR OTHER RIGHT OF ANYONE.
151. Release. YOU RELEASE US AND OUR AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORSOF EACH OF THESE, FROM ANY AND ALL CLAIMS, DEMANDS AND DAMAGES (ACTUAL AND CONSEQUENTIAL) OF EVERYKIND AND NATURE ARISING OUT OF OR IN ANY WAY CONNECTED WITH ANY DISPUTE THAT MAY ARISE BETWEEN YOU
OR ONE OR MORE OTHER USERS OF FHB ONLINE, OR ANY PORTION THEREOF, INCLUDING ANY SERVICES. In addition,
if applicable to you, you waive California Civil Code § 1542, which states that a general release does not extend to claims which thecreditor does not know or suspect to exist in his favor at the time of executing the release, which if not known by him must havematerially affected his settlement with the debtor.
152. No Waiver. We shall not be deemed to have waived any rights or remedies hereunder unless such waiver is in writing and signedby one of our authorized representatives. No delay or omission on our part in exercising any rights or remedies shall operate as awaiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or
waver of any rights or remedies on future occasions.
153. Limitation of Liability. THE FOREGOING SHALL CONSTITUTE YOUR EXCLUSIVE REMEDIES AND THE ENTIRE LIABILITYOF US AND OUR AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE,FOR THE SERVICES AND THE PORTION OF FHB ONLINE THROUGH WHICH THE SERVICES IS OFFERED. YOU
ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE SERVICES MAY BE DELAYED, INTERRUPTED ORDISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OURREASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE
PROVISION OF THE SERVICES, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONSINTERNET DISRUPTION OR OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS
OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATEDTO THE SERVICE CAUSED BY OR ARISING OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR
FAILURE. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR
CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE
OR EXEMPLARY DAMAGES, INCLUDING LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY
THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE SERVICE OR THE PORTION
OF FHB ONLINE THROUGH WHICH THE SERVICE IS OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY
FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICEPROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM ARISING FROM ORRELATED TO THE SERVICE OR THE PORTION OF FHB ONLINE THROUGH WHICH THE SERVICE IS OFFERED THAT YOU
DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OR ARBITRATION PROCEEDING AS DESCRIBED IN
SECTIONS 156, 158 AND 182 BELOW WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM
OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF
CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. OUR AGGREGATE LIABILITY, AND THE
AGGREGATE LIABILITY OF OUR AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF
EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THISAGREEMENT SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDREDDOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL
DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
YOU FURTHER AGREE THAT NEITHER WE NOR OUR AFFILIATES OR SERVICE PROVIDERS WILL BE LIABLE FOR ANY
DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES INCURRED BY YOU OR ANY
THIRD PARTY, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF USE, DATA, OR OTHER LOSSES RESULTINGFROM (i) THE INABILITY TO USE, INTERRUPTION OF USE, OR TERMINATION OF USE OF FHB ONLINE, OR ANY PORTION
THEREOF OR PLATFORM THEREFOR, (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (iii) ANY
PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR
TRANSACTIONS ENTERED INTO, THROUGH OR FROM FHB ONLINE, (iv) UNAUTHORIZED ACCESS TO OR ALTERATIONOF YOUR TRANSMISSION OR DATA, (v) STATEMENTS OR CONDUCT OF ANYONE ON FHB ONLINE, OR (vi) THE USE,INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNTPROVIDER SITE; REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY,
OR OTHERWISE), EVEN IF SUCH DAMAGES WERE REASONABLY FORSEEABLE AND/OR WE HAVE BEEN INFORMED OF
THE POSSIBILITY THEREOF.

AGREEMENT TO ARBITRATE CLAIMS___________________________________________________________________________________________________________
154. Generally. PLEASE READ THIS ARBITRATION PROVISION CAREFULLY: IT WILL IMPACT HOW LEGAL CLAIMS YOU ANDWE HAVE AGAINST EACH OTHER ARE RESOLVED. Under the terms of these sections regarding arbitration (the “Arbitration
Provision”), except as set forth below, Claims (as defined below) will be resolved by individual (and not on behalf of others, as a classor other representative) binding arbitration in accordance with the terms specified herein, if you or we elect it.

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155. Your Right to Opt Out. YOUR RIGHT TO OPT OUT THIS ARBITRATION PROVISION AMENDS OUR PRIOR AGREEMENTS
AND IT COVERS ALL DISPUTES ARISING OUT OF OR RELATING TO YOUR ACCOUNT OR THIS AGREEMENT, REGARDLESSOF WHEN OR HOW THEY AROSE. IF YOU DO NOT WANT TO ARBITRATE DISPUTES, YOU MAY OPT OUT OF THISARBITRATION AGREEMENT, AS STATED BELOW.
156. Agreement to Arbitrate Claims. At the election of either you or us, any demand, cause of action, complaint, claim, dispute, asserted
right, or request for monetary or equitable relief (“Claim”) between us arising out of or relating in any way to this Agreement or yourAccount, any of the products or services we provide to you in connection with your Account, any transactions or activity on yourAccount, or the events leading up to your becoming an account holder (for example, advertisements or promotions), including (without
limitation) Claims based on contract, tort, fraud, agency, negligence, consumer protection law, statute or regulatory provisions or any
other source of law will be resolved by individual (not class-wide or collective) binding arbitration. For purposes of this Arbitration
Provision, “you” includes yourself, any joint account holder, authorized user on the account, and any of your agents, attorneys-infact, beneficiaries or assigns, or anyone acting on behalf of the foregoing, and “we” or “us” includes our employees, parents,
subsidiaries, affiliates, beneficiaries, agents and assigns, and to the extent included in a proceeding in which First Hawaiian Bank is
a party, its service providers and marketing partners. Notwithstanding the foregoing, the term “Claim” excludes any dispute orcontroversy about the validity, enforceability, coverage or scope of this Arbitration Provision or any part thereof, including the Class
Action Waiver below, since you and we agree that a court will decide such disputes or controversies.
IF ARBITRATION IS ELECTED BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHTTO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN PRE-ARBITRATIONDISCOVERY EXCEPT AS PROVIDED FOR IN THE APPLICABLE ARBITRATION RULES OF THE SELECTED ADMINISTRATOR.
As an alternative to electing arbitration, you and we may pursue a Claim within the jurisdiction of the Small Claims Division of theDistrict Court in Hawaii, or the equivalent small claims court in your home jurisdiction, provided that the action remains in that court,
is made on behalf of or against you only and is not part of a class action, private attorney general action, or other representative orcollective action.
157. Class Action Waiver. If either you or we elect to arbitrate a Claim, all disputes must be arbitrated on an individual basis. Neither you
nor we will have the right: (a) to participate in a class action, private attorney general action, or other representative action in court
or in arbitration, either as a class representative or class member; or (b) to join or consolidate Claims with claims of any other person.
No arbitrator shall have authority to conduct any arbitration in violation of this provision or to issue any relief that applies to any personor entity other than you and/or us individually. The parties acknowledge that the Class Action Waiver is material and essential to thearbitration of any Claims and is non-severable from this Arbitration Provision. If the Class Action Waiver is voided, foundunenforceable, or limited with respect to any Claim for which you seek class-wide relief, then the parties’ Arbitration Provision, except
for this sentence, shall be null and void with respect to such Claim, subject to the right to appeal the limitation or invalidation of theClass Action Waiver. However, the Arbitration Provision shall remain valid with respect to all other Claims. The parties acknowledge
and agree that under no circumstances will a class action be arbitrated.
158. Electing Arbitration. If you or we elect to arbitrate a Claim, the party electing arbitration must notify the other party in writing. Your
notice to us shall be sent to First Hawaiian Bank, 999 Bishop St., Honolulu, Hawaii 96813, ATTN: General Counsel (“Arbitration
Notice Address”). Our notice to you shall be sent to the most recent address for you in our files. If a party files a lawsuit in court
asserting a Claim and the other party elects arbitration, such notice may be asserted in papers filed in the lawsuit. For example, amotion by the defendant to compel arbitration of Claims asserted by the plaintiff in a lawsuit filed in court, will serve as notice. If youor we commence litigation of a Claim, neither you nor we waive our right to elect arbitration with respect to any counterclaim or otherclaim that you or we may make. In the event that a court grants a motion to compel arbitration, either party may commence thearbitration proceeding in accordance with the rules and procedures of the arbitration administrator selected pursuant to the section
below titled “Arbitration Administrator and Rules.”159. Arbitration Administrator and Rules. The party electing arbitration must choose between one of two administrators: (1) Dispute
Prevention and Resolution, Inc. (“DPR”), or (2) JAMS. The administrator chosen will apply its rules and/or codes of procedures in
effect at the time arbitration is elected. You may obtain a copy of the rules/codes, and more information about initiating an arbitration,by (1) contacting DPR at (808) 523-1234 or visiting https://dprhawaii.com/, or (2) contacting JAMS at (800) 352-5267 or visitingwww.jamsadr.com. The arbitrator is bound by the terms of this Arbitration Provision. If neither DPR nor JAMS can serve, then thearbitration proceedings may be administered by another qualified organization we jointly select or by an arbitration organization or
arbitrator(s) appointed pursuant to section 5 of the Federal Arbitration Act. The Claim will be heard before a single arbitrator. The
arbitration will not be consolidated with any other arbitration proceedings.
160. Arbitration Costs. We will pay the filing, administrative and/or arbitration fees (“Arbitration Fees”) that we are required to pay
pursuant to the administrator’s rules or the law. In addition, with respect to Arbitration Fees that you are required to pay under theadministrator’s rules in connection with an individual arbitration you have commenced against us: (i) if the amount of your Claim does
not exceed $75,000 and we receive a written request by you at the Arbitration Notice Address, we will pay or reimburse you for yourpayment of said Arbitration Fees; (ii) if the amount of your Claim exceeds $75,000 and we receive a written request by you at the
Arbitration Notice Address, we will consider paying said Arbitration Fees if you are unable to pay them and cannot obtain a waiveror reduction of the Arbitration Fees from the arbitration administrator. The arbitrator shall resolve each dispute in accordance withapplicable law.
161. Place of Arbitration. Any arbitration hearing that you attend will take place at a venue within the federal judicial district where you
reside.
162. Law Applied by Arbitrator. The arbitrator will not be bound by judicial rules of procedure and evidence that would apply in court, orby state or local laws that relate to arbitration proceedings. However, the arbitrator must apply applicable substantive law consistent
with the Federal Arbitration Act and applicable statutes of limitations and claims of privilege recognized at law. The arbitrator is
authorized to award any relief that would have been available in court.
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163. Governing Law. This Agreement evidences a transaction in interstate commerce, and thus, notwithstanding any other choice of law
provision contained in this Agreement, the Federal Arbitration Act shall govern the interpretation and enforcement of this Arbitration
Provision. All issues are for the arbitrator to decide, except that issues relating to the validity, enforceability, coverage or scope of
this Arbitration Provision or any part thereof, including the Class Action Waiver, are for a court to decide, not the arbitrator. Federal
courts state or territory where the Account was opened will have the exclusive power to decide such issues of validity, enforceability,
coverage or scope.
164. Arbitration Results and Right of Appeal. At the timely request of either party, the arbitrator must provide a brief written explanationof the basis of the award. A party can file with the administrator a written appeal of a single arbitrator’s award within thirty (30) daysof award issuance, requesting a new arbitration in front of three neutral arbitrators designated by the administrator. The panel ofthree neutral arbitrators will reconsider all factual and legal issues, following the same rules of procedure, and will make decisions
based on majority vote. Any final arbitration award will be binding on the named parties and enforceable by any court having
jurisdiction. Judgment upon any arbitration award may be entered in any court having jurisdiction.
165. Survival and Severability. This Arbitration Provision shall survive: (1) the closing of your Account and the termination of the deposit
relationship between us; and (2) any receivership by you or us, and any transfer by us of your Account. If any portion of this Arbitration
Provision is deemed or found to be unenforceable for any reason, the remainder shall be enforceable, except as provided by theClass Action Waiver.
166. Right to Opt Out of Arbitration. You may opt-out of having to arbitrate disputes without affecting any of your rights and obligations
as our customer. If you want to opt-out of arbitration, you must mail written notice of your decision to us which includes your name(s),account number, and a statement that you (both or all of you, if more than one) do not wish to be governed by the Arbitration Provisionin your account agreement (the “Arbitration Opt Out Notice”). To be effective, your written Arbitration Opt Out Notice must be (1) sent
to us by first class mail or certified mail, return receipt requested, at 999 Bishop St., Honolulu, Hawaii 96813, ATTN: General Counsel;
and (2) signed by you (both or all of you, if more than one) including the information set forth above. We must receive your Arbitration
Opt Out Notice within forty-five (45) days after either: (i) the date this Arbitration Provision was first delivered or otherwise madeavailable to you, in paper or electronic form, or (ii) the day you open your Account, whichever is later. Your decision to opt out will
not affect any other provision of this Agreement. If the Arbitration Provision of your agreement has already been delivered or otherwise
made available to you, amendments to your agreement will not give you a new right to opt out of this Arbitration Provision, unless
we amend a substantive clause of the Arbitration Provision.

OTHER IMPORTANT TERMS___________________________________________________________________________________________________________
167. Prohibited Payments. The following types of payments are prohibited through the Services, and we have the right but not the
obligation to monitor for, block, cancel and/or reverse such payments:
A.
B.
C.
D.

Payments to or from persons or entities located in prohibited territories (including any territory outside of the United States).
Payments that violate any law, statute, ordinance or regulation.
Payments that violate the Acceptable Use terms in the paragraph below.
Payments related to: (1) tobacco products, (2) prescription drugs and devices; (3) narcotics, steroids, controlled substances orother products that present a risk to consumer safety; (4) drug paraphernalia; (5) ammunition, firearms, or firearm parts or related
accessories; (6) weapons or knives regulated under applicable law; (7) goods or services that encourage, promote, facilitate or
instruct others to engage in illegal activity; (8) goods or services that are sexually oriented; (9) goods or services that promotehate, violence, racial intolerance, or the financial exploitation of a crime; (10) goods or services that defame, abuse, harass or
threaten others; (11) goods or services that include any language or images that are bigoted, hateful, racially offensive, vulgar,
obscene, indecent or discourteous; (12) goods or services that advertise, sell to, or solicit others; or (13) goods or services that
infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the laws of any
jurisdiction.
E. Payments related to gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to, casino
games, sports betting, horse or dog racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not
it is legally defined as a lottery) and sweepstakes.
F. Payments relating to transactions that (1) support pyramid or ponzi schemes, matrix programs, other “get rich quick” schemesor multi-level marketing programs, (2) are associated with purchases of real property, equities, annuities or lottery contracts, layaway systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (3) are for the sale ofitems before the seller has control or possession of the item, (4) constitute money-laundering or terrorist financing, (5) areassociated with the following “money service business” activities: the sale of traveler’s checks or money orders, currency dealers
or exchanges (including digital currencies such as bitcoin), or check cashing, or (6) provide credit repair or debt settlement
services.
G. Tax payments and court ordered payments.
Except as required by applicable law, in no event shall we or our Service Providers be liable for any claims or damages resulting
from your scheduling of prohibited payments. We encourage you to provide notice to us of any violations of this Agreement.
168. Acceptable Use. You agree to use the Services for your own personal use and only in a manner that complies with all laws that
apply to you. You agree that you are independently responsible for complying with all applicable laws in all of your activities related
to your use of FHB Online, including all features and the Services, regardless of the purpose of the use, and for all communications
you send through the Services. We and our Service Providers have the right but not the obligation to monitor and remove
communications content that we find in our sole discretion to be objectionable in any way. In addition, you are prohibited from usingFHB Online for communications, payments, transfer or other activities that: (a) violate any law, statute, ordinance, rule or regulation;© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 31

(b) promote hate, violence, racial intolerance, or the financial exploitation of a crime; (c) defame, abuse, harass or threaten others;(d) include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (e) include
any material or information that is false, misleading, or inaccurate; (f) include any material that would expose us or any of our Affiliates
or Service Providers or any other third party to liability; (g) infringe or violate any copyright, trademark, right of publicity or privacy or
any other proprietary right under the laws of any jurisdiction; (h) impose an unreasonable or disproportionately large load on our
infrastructure; (i) facilitate any viruses, trojan horses, worms or other computer programming routines that may damage, detrimentallyinterfere with, surreptitiously intercept or expropriate any system, data or information; (j) constitute use of any robot, spider, otherautomatic device, or manual process to monitor or copy any Service or the portion of the Site through which the Service is offeredwithout our prior written permission; (k) constitute use of any device, software or routine to bypass technology protecting the Site or
any Service, or interfere or attempt to interfere, with the Site or any Service; or (l) may cause us or our Service Providers to lose anyof the services from our internet service providers, payment processors, or other vendors. We encourage you to provide notice to us
of any violations of this Agreement.
169. Prohibited Communications on FHB Online. In addition to the above, and without limiting the foregoing, FHB Online shall not be
used to transmit or disseminate material or data, that is illegal, or material or data, as determined by us (in our sole discretion), thatis harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful tominors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of us or any Service
Provider; or material or data using language or imagery that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related(e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g.,
marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious
characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), gambling-related (e.g., casinos,
lotteries), or specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier.
170. Payment Methods and Amounts. There are limits on the amount of money you can send or receive through our Services. Your
limits may be adjusted from time-to-time in our sole discretion. For certain Services, you may have the ability to log in to the Site toview your individual transaction limits. We or our Service Providers also reserve the right to select the method in which to remit funds
on your behalf through the Service, and in the event that your Eligible Transaction Account is closed or otherwise unavailable to us
the method to return funds to you. These payment methods may include, but may not be limited to, an electronic debit, a paper checkdrawn on the account of our Service Provider, or draft drawn against your account.
171. General Prohibitions. You agree that you will not attempt to: (a) access any software or services for which your use has not beenauthorized; (b) use or attempt to use a third party’s account; (c) interfere in any manner with the provision of FHB Online, the securityof FHB Online, or other FHB Online users; or (d) otherwise abuse or exploit FHB Online. Without limiting the foregoing, you agree
that you will not use FHB Online to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities thathave not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that
infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal
obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data,
as determined by us (in our sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, orotherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could
diminish or harm the reputation of us, our Affiliates, or any Service Provider involved in the provision of FHB Online.
172. Monitoring/Recording Telephone Calls. Our supervisory personnel may listen to and record your telephone calls to us for the
purpose of monitoring and improving the quality of service you receive.
173. Emergency Situation. In the event of an emergency situation beyond our reasonable control, such as an “act of God,” war, fire,
flood, natural disaster, computer failures, interruptions in power or communications services, strikes, labor shortages, epidemics or
pandemics, services involving your Account could be available only in a modified or reduced form or could be entirely unavailable.
Unless expressly prohibited by applicable law, you agree that we will have no liability to you for such modification, reduction, or
unavailability of services caused by an emergency situation.
174. Intellectual Property. All marks and logos related to FHB Online or any Service are either trademarks or registered trademarks of
us or our licensors. In addition, all page headers, custom graphics, button icons, and scripts are our service marks, trademarks,
and/or trade dress or those of our licensors. You may not copy, imitate, or use any of the above without our prior written consent,
which we may withhold in our sole discretion, and you may not use them in a manner that is disparaging to us or any Service ordisplay them in any manner that implies our sponsorship or endorsement. All right, title and interest in and to FHB Online and theServices, the technology related to the Site and the Services, and any and all technology and any content created or derived fromany of the foregoing, is our exclusive property or that of our licensors. Moreover, any suggestions, ideas, notes, drawings, concepts,
or other information you may send to us through or regarding the Site or any Service shall be considered an uncompensatedcontribution of intellectual property to us and our licensors, shall also be deemed our and our licensors’ exclusive intellectual property,
and shall not be subject to any obligation of confidentiality on our part. By submitting any such materials to us, you automaticallygrant (or warrant that the owner of such materials has expressly granted) to us and our licensors a perpetual, royalty-free, irrevocable,
non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, publicly perform and display, create derivative
works from and distribute such materials or incorporate such materials into any form, medium, or technology now known or later
developed, and you warrant that all so-called “moral rights” in those materials have been waived, and you warrant that you have theright to make these warranties and transfers of rights.
175. Improper Use. You may not use FHB Online: (a) in any anti-competitive manner; (b) for any purpose which would be contrary to ourbusiness interest; or (c) to our actual or potential economic disadvantage. You may not, directly or indirectly, (i) decipher, decompile,
disassemble, reverse engineer, reverse compile or otherwise attempt to derive any source code or underlying ideas or algorithms ofany part of Services or any technology used to provide the Services, (ii) modify, translate, or otherwise create derivative works ofany part of the Services, or (iii) copy, reproduce, rent, lease, distribute, or otherwise transfer any or all of the rights that you receive
under this Agreement,.
© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 32176. Eligibility. FHB Online is offered only to persons or entities who can form legally binding contracts under applicable law. Without
limiting the foregoing, we may, in our sole discretion, permit certain minors to use FHB Online, such as where the minor is joint on
an Eligible Account with a parent or guardian as a co-signor or guarantor and in such cases certain features or Services, including
External Transfers, Bill Payment, and Zelle®, are unavailable. By using FHB Online, you represent that you meet these requirements
and you agree to be bound by this Agreement.
177. Our Remedies. If we have reason to believe that you have engaged in any of the prohibited or unauthorized activities described inthis Agreement or have otherwise breached your obligations under this Agreement, we may terminate, suspend or limit your accessto or use of the Site or the Service; notify law enforcement, regulatory authorities, impacted third parties, and others as we deem
appropriate; refuse to provide our services to you in the future; and/or take legal action against you. In addition, we, in our sole
discretion, reserve the right to terminate this Agreement, access to the FHB Online and/or use of the Service for any reason or noreason and at any time. The remedies contained in this Section 177 are cumulative and are in addition to the other rights andremedies available to us under this Agreement, by law, or otherwise.
178. Services Disclaimer. The Services are not intended to provide legal, tax or financial advice. If legal or other professional advice
including financial, is required, the services of a competent professional person should be sought; before making any final decisions
or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant,
attorney or other financial or tax advisors who are fully aware of your individual circumstances. We and our Service Providers
specifically disclaim any liability, loss, or risk which is incurred as consequence, directly or indirectly, of the use and application of
any of the content on FHB Online. Further, we and our Service Providers are not responsible for any credit, insurance, employment
or investment decisions or any damages or other losses resulting from decisions that arise in any way from the use of the Services
or any materials or information accessible through it. Past performance does not guarantee future results. We and our Service
Providers do not warrant that the Services comply with the requirements of FINRA or those of any other organization anywhere in
the world.
179. No Obligation. By using FHB Online and the Services, you agree that we are not obligated to comply with any testing or customer
reviews or provide documentation evidencing our compliance with laws or the Agreement, including, without limitation, requests forinternal or external control testing, internal policies and procedures, incident reports, or any other similar documentation.

MISCELLANEOUS___________________________________________________________________________________________________________
180. Address or Banking Changes. Except for customers with non-U.S. addresses and phone numbers, which do not appear in theuser profile, it is your sole responsibility and you agree to ensure that the contact information in your user profile is current andaccurate. This includes, but is not limited to, name, physical address, phone numbers and email addresses. We are not responsible
for any payment processing errors or fees incurred if you do not provide accurate Eligible Transaction Account, Payment Instructions,or contact information.
181. Assignment. We can assign any or all of our rights and obligations under this Agreement to a third party. You cannot sell, assign ortransfer any of your obligations under this Agreement, whether in whole or in part.
182. Governing Law and Jurisdiction. Hawaii law and applicable U.S. federal law and regulations govern this Agreement, even if thelaws of another jurisdiction govern your Deposit Agreements and/or Credit Agreements. You agree that any legal action that may be
filed by you elsewhere will be transferred to the appropriate court in Hawaii, if we decide we want it to be transferred. The end user
agreement and software license with the Service Provider may provide for the law of another state to apply.
183. Export Restrictions. You acknowledge that FHB Online, the Services and any software underlying the same are subject to the U.S.
Export Administration Regulations (15 CFR, Chapter VII) and that you will comply with these regulations. You will not export or reexport the software or Services, directly or indirectly, to: (1) any countries that are subject to U.S. export restrictions; (2) any end user
who has been prohibited from participating in U.S. export transactions by any federal agency of the U.S. government; or (3) any end
user who you know or have reason to know will utilize them in the design, development or production of nuclear, chemical or biologicalweapons. You further acknowledge that FHB Online may include technical data subject to export and re-export restrictions imposed
by U.S. law.
184. Enforcing this Agreement. If any provision of this Agreement is found to be unenforceable, all other provisions of the Agreement
will remain in effect.
185. Headings. The headings in this Agreement are used here for convenience, and do not define, limit or enlarge the scope of thisAgreement of any of its provisions.
186. WAIVER OF JURY TRIAL AND CLASS ACTION. You and we agree that, with respect to any dispute with us or our Service
Providers, arising out of or relating to your use of FHB Online or this Agreement: (i) YOU AND WE HEREBY WAIVE OUR RIGHTTO HAVE A TRIAL BY JURY; and (ii) YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATEATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASSOF CLAIMANTS, IN ANY LAWSUIT INVOLVING SUCH DISPUTE.

© First Hawaiian Bank (4.1.2024) .................................................................................................................................................................................... 33