b'PLATINUM HERITAGE CREDIT CARD AGREEMENT\n(Private Banking)\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n2.99%\n\nAPR for Balance\nTransfers\n\n2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for\nbalance transfers made within thirty days of account opening.\n\nIntro fixed APR for your first eight billing cycles following the opening of your account.\n\nAfter that, the APR will be\nPrime Rate.\n\n11.24%. This APR will vary with the market based on the U.S.\n\nAfter that, the APR will be 11.24%. This APR will vary with the market based on the U.S. Prime\nRate.\nAPR for Cash Advances\n\n18.00% Fixed\n\nPenalty APR and When\nit Applies\n\n18.00% Fixed\nThis APR may be applied to your Credit Card account if you make a late payment.\nHow Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six\nconsecutive Minimum Payments when due.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on Purchases if you pay your entire New Balance by the Payment Due Date each month.\nWe will begin charging interest on Cash Advances on the transaction date.\n\nPaying Interest\n\nMinimum Interest\nCharge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$50\n(we reserve the right to waive the fee so long as you remain a Private Banking customer)\n\nTransaction Fees\n\xe2\x80\xa2 Foreign Transaction\n\n3% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency\n\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 5% of the amount of each transfer, whichever is greater\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $40\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new Purchases).\xe2\x80\x9d\nSee the paragraph of this Agreement titled \xe2\x80\x9cComputing Your Interest Charge\xe2\x80\x9d for more details.\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in this\nAgreement.\nSEE NEXT PAGE FOR IMPORTANT INFORMATION ABOUT YOUR ACCOUNT.\n\nPrivate Banking Plat\n\nPage 1 of 5\n\nRev. Date 06/01/20\n\n\x0cThis Platinum Card Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) covers your Private\nBanking Platinum Card account (\xe2\x80\x9cCredit Card account\xe2\x80\x9d) you have with\nus. By requesting or accepting a Credit Card account, you agree to be\nbound by all the terms of this Agreement. In this Agreement, the words\n\xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cyour\xe2\x80\x9d mean everyone who has requested or accepted a Credit\nCard account with us. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d or \xe2\x80\x9cBank\xe2\x80\x9d mean First\nHawaiian Bank.\n1. Use. Your Platinum Mastercard\xc2\xae and Platinum Visa\xc2\xae card\n(individually or collectively called \xe2\x80\x9cCard\xe2\x80\x9d) may be used as a credit card\nfor purchases of goods or services from participating merchants\n(\xe2\x80\x9cPurchases\xe2\x80\x9d) or to get Cash Advances from us or any other financial\ninstitution displaying the \xe2\x80\x9cMastercard\xe2\x80\x9d or \xe2\x80\x9cVisa\xe2\x80\x9d logo, or to purchase\ncertain items such as traveler\'s cheques, foreign currency, money\norders, wire transfers, lottery tickets, or (except as noted below) funds to\nbe used for wagers or gambling (all of which are collectively referred to\nas \xe2\x80\x9cCash Advances\xe2\x80\x9d) up to your Credit Limit.\nYou can also obtain a Cash Advance by writing a special check\n(\xe2\x80\x9cConvenience Check\xe2\x80\x9d), which accesses the available Cash Advance\nlimit on your Credit Card account. Convenience Checks are available\nfrom us upon request, or we may periodically provide Convenience\nChecks as a special promotion.\nIf you use a Convenience Check\navailable upon request, all of the terms of this Agreement applicable to\nCash Advances will apply to the Convenience Check. If we offer a\nspecial promotion, we will explain to you any special terms of the use of\nthe Convenience Checks. The Cash Advance from a Convenience\nCheck will be posted to your Credit Card account when the Convenience\nCheck reaches us. The Convenience Check fee described on page 1 of\nthis Agreement will be imposed on each Convenience Check you write.\nIf you stop payment on a Convenience Check, your Credit Card account\nwill be charged the fee shown in the paragraph of this Agreement called\n\xe2\x80\x9cOther Fees."\nFrom time to time we may offer a special balance transfer\npromotion, which is an opportunity to make a Cash Advance to pay the\nbalance on another loan you have, by transferring the other loan balance\nto your Credit Card account. If we offer a balance transfer promotion, at\nthat time we will explain to you the terms of the promotion. Unless we\ntell you otherwise, all the references in this Agreement to balance\ntransfers will apply to any special balance transfer promotion offered.\nYour Card may also be used in certain automated terminals to gain\naccess to your checking, savings, and Credit Card accounts.\nYour Card and Credit Card account may be used only for valid and\nlawful purposes. You may not use your Card (i) to make Purchases or\nobtain Cash Advances for any illegal transaction, or (ii) for any internet\nor online gambling transactions. Transactions for online or internet\ngambling will not be approved. If you use your Card for any illegal or\nprohibited transaction, this Agreement also applies to such transaction\nand you agree to pay any and all amounts related to such transaction\npursuant to the terms of this Agreement. We may, in our sole discretion,\nrestrict the use of or terminate your Card if we notice excessive use of\nyour Card or other suspicious activities or if we reasonably believe the\nCard is or has been used for one or more illegal or prohibited\ntransactions.\nWe have no responsibility for the failure of any machine, merchant,\nfinancial institution, or any other party to honor your Card. If you use, or\nallow someone else to use the Card or Credit Card account for any other\npurpose, you will be responsible for such use and may be required to\nreimburse us for all amounts or expenses we pay as a result of such\nuse.\n2. Credit Limit. We will notify you of your Credit Limit for each Credit\nCard account you have with us, which is the total amount of credit we\nagree to extend to you at any one time. Your Credit Limit will also\ninclude a separate limit for Cash Advances. Your Credit Limit and Cash\nAdvance limit are listed on your monthly periodic statement. Your\navailable Credit Limit is the amount of your total Credit Limit minus the\nsum of your New Balance, any authorized Purchases, Cash Advances\nand Balance Transfers that have not posted to your Account, and any\npayments that have not cleared. You may apply to increase your Credit\nLimit, and we reserve the right to lower it without prior notice to you.\nYou agree that you will not let your total charges, including\nPurchases, Cash Advances, FINANCE CHARGES (including but not\nlimited to interest, Foreign Transaction Fees, Cash Advance, Balance\nTransfer and Convenience Check Transaction Fees), late charges,\nmembership fees, and other fees that may be due, exceed your Credit\nLimit. If you exceed your Credit Limit, you will be considered to have\nexceeded your Credit Limit for all purposes of the Agreement, and we\nmay reduce the available Credit Limit any other Credit Card account you\nhave with us until such time as the excess amount is paid.\nYou are responsible for keeping track of your New Balance and your\navailable Credit Limit. We may but are not required to approve\ntransactions above your Credit Limit up to a certain percentage of your\nCredit Limit which we establish from time to time for you based on our\nestablished evaluation criteria. If we do approve those transactions,\nthose transactions will not increase your Credit Limit.\nYou are\nresponsible for repaying all over-limit amounts and FINANCE CHARGES\nwill be assessed on those amounts.\nFor security reasons, we may limit the number or amount of\nPurchase, Cash Advance and/or Convenience Check transactions that\nmay be accomplished with your Card or Credit Card account. We may\nalso limit authorizations to make Purchases or obtain Cash Advances if\nwe consider it necessary to verify collection of Payments received on\nyour Credit Card account.\n3. Temporary Reduction of Credit Limit. Merchants, such as car\nrental companies and hotels, may request prior credit approval from us\nfor an estimated amount of your Purchases, even if you ultimately do not\npay by credit. If our approval is granted, your available Credit Limit will\ntemporarily be reduced by the amount authorized by us. If you do not\nultimately use your Credit Card account to pay for your Purchases or if\nPrivate Banking Plat\n\nthe actual amount of Purchases posted to your Credit Card account varies\nfrom the estimated amount approved by us, it is the responsibility of the\nmerchant, not us, to cancel the prior credit approval based on the estimated\namount. The failure of the merchant to cancel a prior credit approval may\nresult in a temporary reduction of your available Credit Limit, but will not\nincrease the amount you owe us under this Agreement.\n4. Agreement to Pay. When you use your Card or Credit Card account, or\nwhen you permit anyone to use it, you agree to pay the amount of any and all\nPurchases or Cash Advances (including Purchases and/or Cash Advances\nwhich may have been made in violation of this Agreement), FINANCE\nCHARGES (including but not limited to interest, Foreign Transaction Fees,\nCash Advance, Balance Transfer and Convenience Check Transaction Fees),\nlate charges, membership fees, over-limit fees, and other fees that may\nbecome due as shown on the periodic statement. If we accept a payment from\nyou in excess of your outstanding balance, your available Credit Limit will not\nbe increased by the amount of the overpayment nor will we be required to\nauthorize transactions for an amount in excess of your Credit Limit.\n5. Periodic Statement. Each month we will send you a periodic statement\nfor each Credit Card account you have with us covering the previous billing\nperiod. We may not send you a statement if your balance is zero and there\nwere no transactions during the billing period. The statement will have a\n\xe2\x80\x9cStatement Closing Date\xe2\x80\x9d and a \xe2\x80\x9cPayment Due Date,\xe2\x80\x9d and will show, among\nother things, your \xe2\x80\x9cPrevious Balance,\xe2\x80\x9d your \xe2\x80\x9cNew Balance,\xe2\x80\x9d and your minimum\nmonthly payment, which will be shown as the \xe2\x80\x9cMinimum Payment Due.\xe2\x80\x9d The\nperiodic statement is part of this Agreement. If you choose to receive periodic\nstatements electronically, the statements will be deemed to have been sent to\nyou when they are first made available for you to view online.\n6. Payment. You must make a payment by the \xe2\x80\x9cPayment Due Date.\xe2\x80\x9d You\nhave two choices: You may pay the entire \xe2\x80\x9cNew Balance\xe2\x80\x9d or you may pay in\ninstallments by paying at least the \xe2\x80\x9cMinimum Payment Due.\xe2\x80\x9d All payments\nmust be made in the lawful money of the United States of America. When\nyour payment is properly received, we will apply your Minimum Payment as\npermitted by law. If you make a payment in excess of the Minimum Payment,\nthe excess amount will be applied first to your balance with the highest\nANNUAL PERCENTAGE RATE. Any remaining amount of your excess\npayment will be applied to the balance with the next highest ANNUAL\nPERCENTAGE RATE, and so on. Upon confirmation of collection, we will add\nany Cash Advances or Purchases repaid to your available Credit Limit;\nhowever, in the event of payment by personal or business check, we may\ndelay replenishing your available Credit Limit until your check clears. This\nmeans that you may not have access to all or part of the Credit Limit until we\nhave collected the funds by which you have made payment on the account. If\npayments are made by certified or cashier\xe2\x80\x99s check, electronic funds transfer,\nautomated clearing house, or other means that provide immediate collected\nfunds, we may waive the right to delay restoration of the Credit Limit.\nPayments must be mailed to the BankCard Center address specified in\nyour statement. Payments must reach our BankCard Center by 5:00 p.m. HST\nduring our regular business days in order to be credited on that date.\nPayments received after the cutoff time of 5:00 p.m. HST will be credited as of\nthe following business day. If you make a payment in person at our branches\nwith the assistance of a branch employee prior to regular closing time for the\nbranch, the payment will be credited as of the date received. If you make a\npayment by any means other than by mail to our BankCard Center (including\npayments made by using FHB Online), crediting of your payment may be\ndelayed.\nFrom time to time, we may let you skip or reduce one or more monthly\npayments during a year and/or we may temporarily reduce or eliminate certain\nFINANCE CHARGES on all or a portion of your Credit Card account balance\nor offer you other special terms. If we do, we will advise you of the scope and\nduration of the applicable skip or promotional feature. When the skip or\npromotional feature ends, your regular rates and all the terms of the\nAgreement will resume.\n7. Minimum Payment\xe2\x80\x93Late Charge. At least the amount of the \xe2\x80\x9cMinimum\nPayment Due\xe2\x80\x9d must be received by us by the \xe2\x80\x9cPayment Due Date.\xe2\x80\x9d If it is not,\nwe may apply the late charge shown on page 1 (if permitted by law), unless\nsuch charge would result in an interest charge greater than the maximum\nallowable by law, in which case we will only charge the maximum allowable\nrate. The \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d will include the amount calculated by using\nthe table shown below, and will also include any amount past due on your\naccount. Your statement will include the past due amounts as part of the\n\xe2\x80\x9cMinimum Payment Due.\xe2\x80\x9d\n\xe2\x80\x9cNew Balance\xe2\x80\x9d\n$ 0.01 \xe2\x80\x93 $24.99\n$25.00 or more\n\n\xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d\nEntire \xe2\x80\x9cNew Balance\xe2\x80\x9d\n$25 or 3% of \xe2\x80\x9cNew Balance\xe2\x80\x9d,\nwhichever is greater\n\n8. When You Must Pay to Avoid Interest Charges. There may be different\ntreatments of interest charges for Purchases and Cash Advances, even\nthough they are computed the same way. You may avoid paying an interest\ncharge on Purchases if you pay the entire New Balance early enough to reach\nus by the Payment Due Date. If we do not receive the entire New Balance by\nthe Payment Due Date, the interest charge will be charged on Purchases from\nthe date of the transaction. Interest charges on Cash Advances begin on the\ntransaction date of each Cash Advance and will be assessed even if your\nentire New Balance is paid by the Payment Due Date.\n9. Computing Your Interest Charge. We figure the interest charge on your\naccount by applying the periodic rate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of\nPurchases and \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances, including current\ntransactions.\na. Average Daily Balance. To get the \xe2\x80\x9cAverage Daily Balance of\nPurchases\xe2\x80\x9d we take the beginning balance of your Credit Card account\neach day, add any new Purchases, and subtract any unpaid interest or\nother finance charges, Cash Advances, payments, other credits that were\napplied to Purchases, late charges, membership fees, over-limit fees, and\nother fees. If you paid the Purchases balance in full by the Payment Due\nDate in the previous billing cycle, in the current billing cycle we will credit\npayments otherwise applicable to Purchases based on our allocation\n\nPage 2 of 5\n\nRev. Date 06/01/20\n\n\x0cmethod as of the first day of the current billing cycle. These\ncomputations give us the Purchases daily balance. To get the\n\xe2\x80\x9cAverage Daily Balance of Cash Advances\xe2\x80\x9d we take the beginning\nbalance each day, add any new Cash Advances, and subtract any\nunpaid interest or other finance charges, Purchases, payments,\nother credits that were applied to Cash Advances, late charges,\nmembership fees, over-limit fees, and other fees. This gives us the\nCash Advances daily balance. Then we add up all of the Purchases\nand Cash Advance daily balances for the billing period and divide\neach total by the number of days in the billing period. This gives us\nthe \xe2\x80\x9cAverage Daily Balances.\xe2\x80\x9d\nb. Figuring the Interest Charge. We compute the interest charge\nby multiplying these Average Daily Balances by the applicable Daily\nPeriodic Rate, and then we multiply the result by the number of days\nin the billing period. To determine the Daily Periodic Rate, we divide\nthe ANNUAL PERCENTAGE RATE in effect for the billing period by\n365. Your Credit Card account is made on a Variable Rate basis for\nPurchases, and the ANNUAL PERCENTAGE RATE and Daily\nPeriodic Rate for Purchases are described in the paragraph of this\nAgreement below called \xe2\x80\x9cVariable Rate.\xe2\x80\x9d The Daily Periodic Rate for\nCash Advances is a Fixed Rate of .0493%, which is equivalent to an\nANNUAL PERCENTAGE RATE of 18.00%.\nc. Variable Rate. The initial ANNUAL PERCENTAGE RATE for\nPurchases and transfers of account balances you have with another\ncreditor ("Balance Transfers") is a fixed promotional rate as shown\non page 1 of this Agreement and will remain in effect for your first\neight billing cycles following the opening of your account ("Initial Rate\nPeriod"). The Daily Periodic Rate during the Initial Rate Period for\nPurchases and Balance Transfers is .0082%. After the Initial Rate\nPeriod, the Daily Periodic Rate for Purchases and Balance Transfers\nbased on the Current Index and Rate Spread described below will be\n.0308% and the corresponding ANNUAL PERCENTAGE RATE will\nbe 11.24%.\nAfter the Initial Rate Period, the ANNUAL\nPERCENTAGE RATE for Purchases and Balance Transfers will\nchange to the current rate shown on page 1 of this Agreement. The\ncurrent Daily Periodic Rate for Purchases and Balance Transfers is\n.0308% The Daily Periodic Rate and the corresponding ANNUAL\nPERCENTAGE RATE may change (by increasing or decreasing) on\nthe first day of each of your billing cycles that begin in March, June,\nSeptember, and December. Each date on which the rate of interest\ncould change is called a \xe2\x80\x9cChange Date.\xe2\x80\x9d Changes will be based on\nchanges in the \xe2\x80\x9cIndex.\xe2\x80\x9d The Index is the highest U.S. Prime Rate\npublished in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street Journal on\nthe last business day of the calendar month prior to the month in\nwhich the Change Date occurs. The most recent Index is called the\n\xe2\x80\x9cCurrent Index.\xe2\x80\x9d If the Index is no longer available, we will choose a\nnew Index based upon comparable information and will give you\nnotice of our choice. Your interest rate for Purchases is based on a\nvariable rate equal to the sum of the Current Index plus a \xe2\x80\x9cRate\nSpread\xe2\x80\x9d of 7.99 percentage points. (The Rate Spread is also called\nthe Margin.) Immediately before each Change Date we will\ndetermine the new interest rate for Purchases by adding the Rate\nSpread to the Current Index. For example, if the Current Index was\n3.25% and the Rate Spread 7.99 percentage points, the ANNUAL\nPERCENTAGE RATE would be 11.24% and by dividing this\npercentage figure by 365, we would compute a Daily Periodic Rate\nof .0308%. The new interest rate for Purchases will become effective\nat the start of your first billing cycle after the Change Date. The\nANNUAL PERCENTAGE RATE will not exceed the maximum rate\npermitted by law. The effect of any increase in the ANNUAL\nPERCENTAGE RATE and the Daily Periodic Rate for Purchases\nwould be to increase the amount of interest you must pay and thus\nincrease your monthly payments.\nd. Introductory and Promotional Rates. At our discretion, we\nmay offer you an introductory or promotional ANNUAL\nPERCENTAGE RATE for your Credit Card account. For example,\nwe may offer you an introductory ANNUAL PERCENTAGE RATE for\nPurchases when you open your Credit Card account, or a\npromotional ANNUAL PERCENTAGE RATE for Balance Transfers.\nThe time period for which the introductory or promotional ANNUAL\nPERCENTAGE RATE applies may be limited. Any introductory or\npromotional ANNUAL PERCENTAGE RATE offer will be subject to\nthe terms of the offer and this Agreement, including but not limited to\nthe Penalty APR described in the paragraph of this Agreement called\n\xe2\x80\x9cDefault\xe2\x80\x9d. We will provide you with information on the offer, including\nthe time period the introductory or promotional ANNUAL\nPERCENTAGE RATE is in effect in the documents that accompany\nyour Credit Card or in the materials we send you about the offer after\nyou receive your Credit Card.\ne. Military Lending Act Disclosures. Federal law provides\nimportant protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general,\nthe cost of consumer credit to a member of the Armed Forces and\nhis or her dependent may not exceed an annual percentage rate of\n36 percent. This rate must include, as applicable to the credit\ntransaction or account; the costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and\nany participation fee charged (other than certain participation fees for\na credit card account). Additional oral disclosures are available at 1877-640-2337.\n10. Minimum Interest Charge. If the interest charge for all balances on\nyour Credit Card account is less than $1.00, we will charge you the\nMinimum Interest Charge shown on page 1. This charge is in lieu of any\ninterest charge.\nPrivate Banking Plat\n\n11. Foreign Transaction Fee. If you make a Purchase or Cash Advance in a\nforeign currency, it will be billed to you in U.S. dollars. You will be billed the\nforeign transaction fee for these Purchases and Cash Advances made in\nforeign currency in the amount shown on page 1. This fee, which is a\nFINANCE CHARGE, is not a foreign currency conversion charge and is not\nbased on our exchange cost.\n12. Other Transaction Fees. We will charge your Credit Card account when\nappropriate the transaction fees shown on page 1, each of which are\nFINANCE CHARGES. Each of these fees will be added to your Credit Card\nbalance when charged.\n13. Other Fees. You also agree to pay us the appropriate fees listed below\nand shown on page 1, which may be amended from time to time by us. You\nauthorize us to charge your Credit Card account (or the account from which\nyou obtained money or information in the case of an automated terminal\ntransaction) for fees due to us. We reserve the right to waive these fees from\ntime to time. If we incur special expenses on your Credit Card account due to\na request made by you, we may also charge you for these expenses.\nAutomated Teller Machine (ATM) Transaction Fees\n(For cards with ATM deposit account access)\nAt a First\nAt a Network\nHawaiian ATM\nATM\n\xe2\x80\xa2 Deposit Account Withdrawal\n\xef\x82\xa8 Domestic\nN/C\n$3.00\n\xef\x82\xa8 International\nN/A\n$5.00\n\xe2\x80\xa2 Balance Inquiry\nN/C\n$1.00\n\xe2\x80\xa2 Checking Account Statement\n$1.50\nN/A\nNote: N/C = No Charge; N/A = Not Applicable; Domestic = at an ATM in\nCanada, U.S. and its protectorates and territories, including Guam and the\nCommonwealth of the Northern Mariana Islands (CNMI).\nPayable at Time of Request\n\xe2\x80\xa2 Mastercard Temporary Replacement Card or Gold\nVisa Temporary Replacement Card issued by\nMastercard International or Visa Travel Service Center.\nTemporary card is good for approximately one month\nand cannot be used in ATMs.\n\xef\x82\xa8 Domestic Fee:\n\xef\x82\xa8 International Fee:\n\xe2\x80\xa2 Emergency Cash Advance issued by Mastercard\nInternational or Visa Travel Service Center is limited to\n$1,000 or your available credit limit, whichever is less.\n\xe2\x80\xa2 Copy of Sales Draft\n\xe2\x80\xa2 Research Fee\n\xe2\x80\xa2 Statement Copy Fee\n\xe2\x80\xa2 Convenience Check Stop Payment Order/Return\nConvenience Check Fee\n\xe2\x80\xa2 Listing in Combined Warning Bulletin Per Region\n\n$ 95.00\n$125.00\n$ 50.00\n\n$ 5.00\n$ 20.00/hour\n$ 5.00\n$ 16.00\n$ 10.00\n\nPayable at Time of Delivery\n\xe2\x80\xa2 Replacement Card issued by First Hawaiian Bank\n\xe2\x80\xa2 Returned Payment Check (due to insufficient funds,\nstop payment order on your check, etc.)\n\n$ 20.00\nUp to $35\n\n14. Authorizing Transactions. We reserve the right to decline a transaction\non your account for any reason, including but not limited to operational\nconsiderations, your account being in default, or we suspect fraudulent or\nunlawful activity. We are not responsible for any losses incurred if a\ntransaction on your account is declined for any reason, either by us or a third\nparty, even if you have sufficient credit available.\n15. Credit Insurance is Optional. If you choose to purchase credit insurance,\nthe premiums will be computed on the Average Daily Balance of Purchases\nand Cash Advance, including finance and other charges, up to $5,000. The\ncost for credit insurance is 65\xc2\xa2 per $100 of your average daily balance of\nPurchases and Cash Advances. During months when you have no balances,\nthere is no charge. Credit insurance premiums will be added to your Credit\nCard account as Purchases.\n16. Annual Membership Fees. The annual membership fee for a Private\nBanking Platinum Card account is shown on page 1. The fee will be charged\non a periodic statement shortly after you open your Credit Card account and\nafter that in the same month every year. We reserve the right to waive the fee.\n17. Default. We may declare the entire balance for all Credit Card accounts\ndue and payable at once with or without notice or demand if any of these\nevents (\xe2\x80\x9cDefault\xe2\x80\x9d) happens:\na. If you miss a payment under this Agreement or any other obligation\nyou owe us; or\nb. If you violate any terms of this Agreement.\nIf you are in Default, we may terminate your Credit Card account, make no\nmore additional loans or advances, and require you to immediately repay the\nentire unpaid balance of all amounts due on your Credit Card account,\nincluding but not limited to all loan amounts, late charges and other charges\nassessed but not paid, and all of the FINANCE CHARGES accrued but not\npaid. If we terminate your Credit Card account, your obligation to repay the\namounts you already owe us would continue.\nAt our option, we may also take action short of terminating your Credit\nCard account. If your required Minimum Payment (shown on your periodic\nstatement as \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d) is not received within 60 days of the\npayment due date, we may increase your ANNUAL PERCENTAGE RATE for\nPurchases and Cash Advances and any applicable promotional rates to a\n.0493% Daily Periodic Rate and an ANNUAL PERCENTAGE RATE (\xe2\x80\x9cPenalty\nAPR\xe2\x80\x9d) of 18.00% fixed for the entire outstanding balance. We will send you\nadvance written notice that your ANNUAL PERCENTAGE RATE will be\nincreasing. Your payments under this Agreement, including the amount of the\nFINANCE CHARGE, will increase as a result of the increase in your Daily\nPeriodic Rate and ANNUAL PERCENTAGE RATE, and any such increase in\nyour Daily Periodic Rate and ANNUAL PERCENTAGE RATE will be shown on\nyour periodic statement. We will reinstate your Daily Periodic Rate and\nPage 3 of 5\nRev. Date 06/01/20\n\n\x0cANNUAL PERCENTAGE RATE to the rate set forth in this Agreement\nonce you have made six consecutive Minimum Payments on or before\nthe due date, starting with the first billing cycle after the Penalty APR is\nimposed. If we take such lesser action initially, we reserve the right to\nterminate your Credit Card account and accelerate all amounts due\nunder this Agreement regardless of whether any additional events have\noccurred that would permit termination and acceleration.\n18. Automated Terminal Services Involving Your Checking or\nSavings Account. (Some of these services are only available if your\nCredit Card account is linked to your checking or savings account with\nus.)\na. Automated Terminals. You may use your Card in the following\nautomated terminals:\ni. Our First Hawaiian automated teller machines (\xe2\x80\x9cFirst\nHawaiian ATM\xe2\x80\x9d).\nii. Any other automated teller machine (including any ATM we\nmay own besides First Hawaiian ATM) that is participating\nin a network and accepts our Card (\xe2\x80\x9cNetwork ATM\xe2\x80\x9d) and\niii. Any point-of-sale terminal that accepts our Card (\xe2\x80\x9cPOS\nterminal\xe2\x80\x9d).\nb. Services Available at an Automated Terminal.\ni. You may use your Card at a First Hawaiian ATM to:\n\xe2\x80\xa2\nWithdraw cash from your checking or savings\naccount.\n\xe2\x80\xa2\nMake deposits to your checking or savings account.\n\xe2\x80\xa2\nMove funds between your checking and savings\naccounts.\n\xe2\x80\xa2\nGet your checking, savings, or Credit Card account\nbalances. These balances may not include some\ntransactions recently made in your account.\n\xe2\x80\xa2\nMove funds from your Credit Card account to your\nchecking account.\n\xe2\x80\xa2\nGet a Cash Advance from your Credit Card account.\n\xe2\x80\xa2\nGet an interim statement printout of all posted\ntransactions on your checking account since the last\nregular statement period up to the previous\nbusiness day.\nii. You may use your Card at any Network ATM to (some of\nthese services may not be available at all Network ATMs):\n\xe2\x80\xa2\nWithdraw cash from your checking or savings\naccount.\n\xe2\x80\xa2\nGet a Cash Advance from your Credit Card account.\n\xe2\x80\xa2\nGet your checking, savings, or Credit Card account\nbalances. These balances may not include some\ntransactions recently made in your account.\niii. You may use your Card at a POS terminal to purchase\ncertain merchandise. The amount of your purchase will\nautomatically be charged to your Credit Card account as a\nPurchase.\nc. Limits of Automated Terminal Services.\ni. Withdrawals and Cash Advances. You may withdraw cash\nor get a Cash Advance from a First Hawaiian ATM up to an\naggregate amount of $2,000 each calendar day, provided\nthat this amount does not exceed your available account\nbalance or Credit Limit. This amount may be less for cash\nwithdrawals and Cash Advances from Network ATMs.\nYou authorize us to charge any withdrawal by use of\nyour Card to your checking account or savings account as\nthough you had specifically signed a withdrawal\nauthorization. If there are insufficient funds in an account to\ncover such a withdrawal, you agree that we may treat the\namount of such withdrawal either as a Cash Advance or as\nan overdraft that you will be obligated to pay us on demand.\nii. Deposits. You may deposit up to $50,000 per transaction\nusing a First Hawaiian ATM. All deposits made with your\nCard and placed in a First Hawaiian ATM are subject to\nreceipt by us on opening the First Hawaiian ATM and\nverification of the items and the amounts.\niii. Moving Funds. You may move up to $50,000 per\ntransaction between your checking account and savings\naccount or from your Credit Card account to your checking\naccount using a First Hawaiian ATM.\nd. Fees for Using Automated Terminal Services. The fees for\nusing certain automated terminal services are disclosed in the\nparagraph of this Agreement called \xe2\x80\x9cOther Fees.\xe2\x80\x9d\ne. Card and Secret Code Use. You are responsible for all\ntransactions in which you use your Card in an automated terminal, or\nthe use of the Card by anyone else who uses it with your permission.\nSecurity in use of the Card is provided by the secret code, which we\nwill provide you, and the magnetically encoded stripe on the Card.\nPlease keep the Card safe and also protect the secret code. Use the\nCard and the secret code as instructed at all times. Please notify us\nof any mechanical or operating failure in connection with the use of\nyour Card. Do not permit anyone else to use your Card and do not\ndisclose your secret code or record it on the Card. The Card remains\nthe property of the Bank and can be revoked and repossessed at\nany time. You must return it to us when asked.\nf. Time of Transaction. All transactions are subject to the time\nnecessary for us to process them. Any transaction made on a\nholiday or after regular banking hours may be held by us until the\nnext business day. Any transaction involving an account or matter\nlocated at any other office of the Bank is subject to receipt at the\nother office and the time necessary to process it.\ng. Documentation of Transfers.\n\nPrivate Banking Plat\n\ni. Terminal Transfers. You can get a receipt at the time you make\nany transfer at a First Hawaiian ATM, Network ATM, or POS\nterminal.\nii. Periodic Statements. If you have a checking account, you will get\na monthly checking account statement. If you have arranged for\nelectronic access to your savings account, you will get a quarterly\nsavings account statement. However, if there are any transfers in\na particular month, you will get a savings statement that month,\nas well.\nh. In Case of Errors or Questions About Your Electronic Transfers\nInvolving Your Checking or Savings Account. Call or write to us at the\ntelephone number and address stated in the paragraph of this Agreement\ncalled \xe2\x80\x9cWhere to Call or Write\xe2\x80\x9d as soon as you can if you think your\nstatement or receipt is wrong or if you need more information about a\ntransfer listed on the statement or receipt. We must hear from you no later\nthan 60 days after we sent you the first statement on which the problem or\nerror appeared. When reporting an error or requesting more information:\ni. Tell us your name and account number.\nii. Describe the error or the transfer you are unsure about, and\nexplain as clearly as you can why you believe it is an error or why\nyou need more information.\niii. Tell us the dollar amount of the suspected error.\nIf you tell us orally, we may require that you send us your complaint or\nquestion in writing within 10 business days. We will determine whether an\nerror occurred within 10 business days after we hear from you and will\ncorrect any error promptly.\nWe will tell you the results of our investigation within 10 business days\nafter we hear from you and will correct any error promptly. If we need more\ntime, however, we may take up to 45 days to investigate your complaint or\nquestion. If we decide to do this, we will re-credit your account within 10\nbusiness days for the amount you think is in error, so that you will have the\nuse of the money during the time it takes us to complete our investigation.\nIf we ask you to put your complaint or question in writing and we do not\nreceive it within 10 business days, we may not re-credit your account.\nWe will tell you the results within three business days after completing\nour investigation. If we determine that there was no error, we will send you\na written explanation. You may ask for copies of documents that we used\nin our investigation.\ni. Our Liability for Failure to Make Transfers. If we do not properly\ncomplete a transfer to or from your account on time or in the correct\namount according to our agreement with you, we will be liable for your\nlosses or damages. However, there are some exceptions. We will not be\nliable, for instance:\ni. If, through no fault of ours, you do not have enough money in your\naccount to make the transfer;\nii. If the transfer would go over the credit limit on your overdraft line;\niii. If the automated terminal where you are making the transfer does\nnot have enough cash;\niv. If the automated terminal was not working properly and you knew\nabout the breakdown when you started the transfer;\nv. If circumstances beyond our control (such as fire or flood) prevent\nthe transfer, despite reasonable precautions we have taken; or\nvi. If your account does not contain enough money because we have\nplaced a hold on some items or the account is subject to legal\nprocess.\nvii. There may be other exceptions.\nj. Disclosing Account Information to Third Parties. We may disclose\ninformation to third parties about your account or the transfers you make:\ni. Where it is necessary for completing transfers;\nii. In order to verify the existence and condition of your account for a\nthird party, such as a credit bureau or merchant;\niii. In order to comply with government agency or court orders; or\niv. If you give us your written permission.\n19. ATM Safety. It is important to be aware of your surroundings when using\nan ATM, especially at night. When you are using an ATM, you should secure\nany cash you withdraw before leaving the ATM. If you need to use an ATM at\nnight, consider taking someone you know with you, and only use an ATM that\nis well-lit and unobstructed from view. If anything appears to be suspicious, do\nnot use the ATM. Always call 911 in the event of an emergency or to report\nany suspicious activity. If you have any questions or comments about the\nsafety of any of our ATMs, please call us on Oahu at (808) 844-4444 or 1-888844-4444 from the neighbor islands, Guam, the CNMI or Continental U.S.\n20. Lost or Stolen Card; Your Liability for Unauthorized Use. Tell us at\nonce if you believe your Card has been lost or stolen. Telephoning is the best\nway of keeping your possible losses down.\na. Unauthorized Use as Credit Card. You may be liable for the\nunauthorized use of your Card as a credit card. You will not be liable for\nunauthorized use of your Card as a credit card that occurs after you notify\nus at the telephone number or address stated in the paragraph of this\nAgreement called \xe2\x80\x9cWhere to Call or Write,\xe2\x80\x9d orally or in writing, of loss, theft,\nor possible unauthorized use. In any case, your liability for unauthorized\nuse of your Card as a credit card will not exceed $50.\nb. Unauthorized Use in Automated Terminals.\ni. If you tell us within two business days, you can lose no more than\n$50 if someone used your Card at an automated terminal without\nyour permission.\nii. If you do not tell us within two business days after you learn of the\nloss or theft of your Card and we can prove that if you had told us,\nwe could have stopped someone from using your Card at an\nautomated terminal without your permission, you could lose as\nmuch as $500.\niii. If you do not notify us at all, you could lose all the money in your\nchecking and savings accounts plus your maximum overdraft line\nof credit.\niv. Also, if your statement shows transfers that you did not make, tell\nus at once. If you do not tell us within 60 days after the statement\nwas mailed to you, you may not get back any money you lost after\n\nPage 4 of 5\n\nRev. Date 06/01/20\n\n\x0cthe 60 days if we can prove that we could have stopped\nsomeone from taking the money if you had told us in time.\nv. If a good reason (such as a long trip or a hospital stay) kept\nyou from telling us, we will extend the time periods.\n21. Where to Call or Write. If you believe your Card has been lost or\nstolen or that someone has transferred or may transfer money from your\naccount or otherwise use your Card or Credit Card account without your\npermission, call: (808) 847-4444 on Oahu; neighbor islands, Guam,\nCommonwealth of the Northern Mariana Islands (CNMI), or Continental\nU.S call 1-800-342-2778 or write to: First Hawaiian Bank, BankCard\nSecurity Department, P.O. Box 1959, Honolulu, Hawaii 96805.\n22. Our Business Days. Our business days are Monday through\nFriday, except for bank holidays.\n23. Credit Investigation and Disclosure. You authorize us, both now\nand in the future, to check your credit and employment history and to\nrelease information about our credit experience with you in response to\nlegitimate credit inquiries. If you believe that we have incorrect\ninformation or have reported inaccurate information about you to a credit\nbureau, please call us at (808) 847-4444 (Oahu) or call toll-free at 1-800342-2778.\n24. Security Interest. We have no security for any amounts which\nbecome due under this Agreement unless you have given us a specific\nsecurity interest in connection with the Agreement, which is described on\nthe Security Agreement Supplement to this Agreement.\n25. Collection. You promise to pay all collection costs, including,\nwithout limitation, mailing and delivery charges, reasonable lawyers\xe2\x80\x99 fees\nand court costs at trial and on appeal, all as permitted by law.\n26. If There are More Than One of You. Each of you individually, or all\nof you together will be liable under this Agreement. We may collect from\nor sue any one of you, or make any settlements or extensions with any\none of you, without giving up our rights against the other(s). You\nunderstand that any one of you can make Purchases or get Cash\nAdvances under this Agreement which will be binding upon all of you.\n27. No Waiver of Rights. If we choose to waive any of the terms or\nconditions of this Agreement on a case-by-case basis, such as by not\ndeclaring the entire balance due when the minimum monthly payment\nhas not been made on time, it does not mean that we have waived, or\ngiven up, our right to exercise any of our rights or remedies under this\nAgreement in the future. We are not required to use any particular kind\nof demand or notice in order to collect amounts due to us under this\nAgreement. No indulgence or acceptance by us of delinquent or partial\npayments constitutes a waiver of our rights or of any provision of this\n\nAgreement. No waiver of any existing default shall be deemed to waive any\nsubsequent default.\n28. Change in Terms and Relationship. We can change, add to, delete or\notherwise modify the terms of this Agreement at any time in any way permitted\nby law. We will send you advance notice of any change to this Agreement. If\nthe change affects use of your Card in an automated terminal, we will give you\nadvance notice of the change unless the change has to be made immediately\nfor security reasons. A notice of change we send you will describe any right\nyou have to opt out of a particular change, if any, and will describe whether a\nparticular change affects your outstanding balance. We do not have to send a\nnotice of the change if it favors you, such as by reducing rates, increasing the\nmaximum Credit Limit, etc.\nYou are provided special terms that are offered to you conditional upon\nmaintaining your Private Banking relationship. If you cease to be a Private\nBanking customer, we may, in our sole discretion, convert your account to any\nother type of non-Private Banking account that we may offer. Any such\nconversion may cause the elimination of certain features and benefits. We will\nprovide you with notice of this change.\n29. Canceling this Agreement. We have the right to cancel this Agreement\nat any time by sending a notice to any one of you in writing. You also have the\nsame right to cancel this Agreement at any time by sending us a notice in\nwriting. If this Agreement is canceled by you or us, your obligation to repay\namounts you already owe under this Agreement would continue, and you must\nreturn your Card to us.\n30. Other Agreements. Use of your Card is subject to the terms of existing\nregulations governing deposit accounts and other agreements and disclosures\nfor your checking, savings, and Credit Card accounts, and any future changes.\n31. Governing Law. This Agreement will be governed by the laws of the State\nof Hawaii, and, as applicable, federal law, regardless of where the Purchases\nor Cash Advances are made, and you agree that any legal action that may be\nfiled by you elsewhere will be transferred to an appropriate court in Hawaii if\nwe decide that we want it to be transferred.\n32. Monitoring/Recording Telephone Calls. Our supervisory personnel may\nlisten to and record your telephone calls to us for the purpose of monitoring\nand improving the quality of service you receive.\n33. Emergency Situation. In the event of an emergency situation beyond our\nreasonable control, such as an "act of God," war, fire, or natural disaster,\nservices involving your account could be available only in a modified or\nreduced form or could be entirely unavailable. Unless expressly prohibited by\napplicable law, you agree that we will have no liability to you for such\nmodification, reduction, or unavailability of services caused by an emergency\nsituation.\n\nYOUR BILLING RIGHTS: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\n\xe2\x80\xa2\n\nWhat To Do If You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at:\nFirst Hawaiian Bank\nP.O. Box 1959\nHonolulu, Hawaii 96805\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a\nmistake.\nYou must contact us:\n\xe2\x80\xa2\nWithin 60 days after the error appeared on your statement.\n\xe2\x80\xa2\nAt least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\n\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter has\nbeen settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of\nthe amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\n\nYou must notify us of any potential errors in writing. You may call us,\nbut if you do we are not required to investigate any potential errors and\nyou may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that\nwe received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct\nthe error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\nWe cannot try to collect the amount in question, or report you\nas delinquent on that amount.\n\xe2\x80\xa2\nThe charge in question may remain on your statement, and we\nmay continue to charge you interest on that amount.\n\xe2\x80\xa2\nWhile you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\nIf we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\nPrivate Banking Plat\n\nIf we do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and fees. We will\nsend you a statement of the amount you owe and the date payment\nis due. We may then report you as delinquent if you do not pay the\namount we think you owe.\n\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within\n100 miles of your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are\nnecessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods or\nservices.)\n2. You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at:\nFirst Hawaiian Bank\nP.O. Box 1959\nHonolulu, Hawaii 96805\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\nPage 5 of 5\n\nRev. Date 06/01/20\n\n\x0c'