First Hawaiian Bank Digital Wallet Payment Addendum
You are requesting to enroll the Mastercard credit card or debit card that was issued to you by First
Hawaiian Bank (the “Card”) in a digital wallet payment platform (the “Payment Platform”). As acondition of enrolling your Card, you are required to agree to the terms of this Addendum.
1.
Relationship Between This Addendum and the Card Agreement. This Addendum
supplements, but does not replace, the cardholder agreement for your Card (the “CardAgreement”). In the event of a conflict between the Card Agreement and this Addendum, thisAddendum shall take precedence.
2.
Eligibility. We will determine, in our sole discretion, which credit cards and debit cards
are eligible for enrollment in the Payment Platform. You will be informed during the enrollment
process if the Card that you are trying to enroll is ineligible for the Payment Platform.
3.
Enrollment by Cardholder. You are only permitted to enroll the Card in the Payment
Platform if the Card was issued to you. By enrolling the Card in the Payment Platform, yourepresent that you are the person to whom the Card was issued (the “Cardholder”).
4.
Enrolling Your Card in the Payment Platform. Although we will provide support regarding
enrolling your Card in the Payment Platform, you are ultimately responsible for properly
completing the enrollment process. If you do not properly complete the enrollment process, you
may not be able to use the Payment Platform. You agree that we may send text or email messages
to you in connection with the enrollment of your Card in the Payment Platform or removal of yourCard from the Payment Platform and that you will bear responsibility for any message or data feesthat may be imposed by your wireless carrier.
5.
Third Party Agreements. This Addendum, together with the Card Agreement, onlyaddresses the agreement between you and us and your use of the Payment Platform. The company
that provides the digital wallet application (“Wallet Provider”), your wireless carrier, and otherthird parties are involved in your use of the Payment Platform, and the Wallet Provider, yourwireless carrier, and other third parties might have their own agreements that apply to your use ofthe Payment Platform. We are not responsible for the acts or omissions of those third parties orfor their agreements with you. It is your responsibility to review and decide whether to agree tothose third party agreements.
6.
Third Party Fees. You are solely responsible for any fees charged by your wireless carrieror any other third party in connection with your use of your mobile device (as defined below) to
make payments using the Payment Platform.
7.
Acceptance of the Payment Platform by Merchants. You acknowledge and agree that wehave no control over whether specific merchants accept the Payment Platform.
8.
Consent to Disclosure of Information. You hereby authorize us to share your information
with the Wallet Provider to enable your Card to operate with the Payment Platform and to improve1the Wallet Provider products and services. We will provide your information to the Wallet
Provider in accordance with our Privacy Policy.
9.
Your Disclosure of Information to Third Parties. You are solely responsible for any
information that you disclose directly to the Wallet Provider, your wireless carrier, and any otherthird parties involved in your use of the Payment Platform. Your direct disclosure of information
to a third party, including without limitation what that third party can do with your information, isgoverned by your agreement with that third party.
10.
Security of Mobile Device. As part of enrolling your Card in the Payment Platform, yourCard will be added to the wallet application on the mobile device that you are using to enroll yourCard (the “Device”). A person who obtains access to the Device may be able to use the Device tomake payments through the Payment Platform using your Card and to obtain information aboutother payments that you have made through the Payment Platform. You are responsible forkeeping your Device secure and not providing any third party with unauthorized access to yourDevice. Subject to the Card Agreement governing the use of the Card, you are responsible for alltransactions made using your Card through the Payment Platform. Notify us immediately inaccordance with the Card Agreement if you believe that an unauthorized person has obtained
access to your Device and is using or is able to use your Card through the Payment Platform.
Notwithstanding any other provision of the Cardholder Agreement or this Addendum to thecontrary, you expressly acknowledge and agree that First Hawaiian Bank will not be liable orresponsible for any Malware introduced by any person or entity (including, without limitation, theWallet Provider) to the Device. For purposes of this Addendum, the term “Malware” meanscomputer software, code or instructions that: (a) adversely affect the operation, security or integrityof a computing, telecommunications or other digital operating or processing system orenvironment, including without limitation, other programs, data, databases, computer libraries andcomputer and communications equipment, by altering, destroying, disrupting or inhibiting suchoperation, security or integrity; (b) without functional purpose, self-replicate written manualintervention; (c) purport to perform a useful function but which actually perform either adestructive or harmful function, or perform no useful function and utilize substantial computer,telecommunications or memory resources; or (d) without authorization collect and/or transmit tothird parties any information or data; including such software, code or instructions commonly
known as viruses, Trojans, logic bombs, worms and spyware.
11.
Unauthorized Transactions and Errors. Notify us immediately in accordance with the Card
Agreement if you become aware of any unauthorized transactions or other errors involving yourCard and the Payment Platform. Unauthorized transactions and errors will be handled inaccordance with the relevant provisions of the Card Agreement.
12.
Right to Terminate Use of the Payment Platform. You have the right, at any time and inyour sole discretion, to terminate your use of the Payment Platform. If you no longer want to beable to make payments through the Payment Platform using your Card, please delete your Cardfrom the wallet application on your Device.

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Right to Suspend or Terminate Availability of the Payment Platform. We have the right atany time, in our sole discretion, for any reason, and without any notice to restrict, block, suspend,or terminate your use of the Payment Platform.
14.
DISCLAIMER OF WARRANTIES. WE DO NOT WARRANT, REPRESENT, ORGUARANTEE THAT YOUR USE OF THE PAYMENT PLATFORM WILL BE WITHOUTERRORS, INTERRUPTIONS, OR DISRUPTION OR THAT THE PAYMENT PLATFORM
WILL BE ACCESSIBLE OR AVAILABLE AT ALL TIMES. WITHOUT LIMITING THEFOREGOING AND TO THE EXTENT PERMITTED BY LAW, WE HEREBY DISCLAIMANY AND ALL WARRANTIES REGARDING THE PAYMENT PLATFORM. YOUACKNOWLEDGE AND AGREE THAT THIRD PARTIES, SUCH AS THE WALLETPROVIDER AND YOUR WIRELESS CARRIER, ARE INVOLVED IN YOUR USE OF THEPAYMENT PLATFORM AND THAT WE HAVE NO CONTROL OVER THOSE THIRDPARTIES. USE OF THE PAYMENT PLATFORM INVOLVES THE ELECTRONICTRANSMISSION OF PERSONAL INFORMATION THROUGH THIRD PARTYCONNECTIONS THAT WE DO NOT OPERATE OR CONTROL. AS A RESULT, WECANNOT GUARANTEE THE PRIVACY OR SECURITY OF THOSE ELECTRONICTRANSMISSIONS.
15.
LIMITATION OF LIABILITY. SUBJECT TO THE CARD AGREEMENT, YOUAGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL,SPECIAL CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDINGWITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS AND LOSS OF DATA,ARISING FROM OR RELATED TO, DIRECTLY OR INDIRECTLY, IN WHOLE OR INPART, YOUR USE OR INABILITY TO USE THE PAYMENT PLATFORM.
16.
Changing Terms. We can change, add to, delete, or otherwise modify the terms of thisAddendum at any time in any way permitted by law. We will send you notice of any change tothis Addendum, unless the change benefits you or does not decrease your rights, in which case we
do not have to send a notice of the change. To the extent that we are required to give you noticeof a change, we will make reasonable efforts to provide you with advance notice of the change.
However, we reserve the right to give you notice after a change has occurred if we are notreasonably able to provide you with advance notice.
By clicking on “I Agree” below, you are acknowledging that you have read and understood andagree to be bound by the terms of this Addendum.

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