b'Life Matters Platinum Visa Credit Card\nAgreement and Disclosure\n\n1\n\nLife matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19)\n\n\x0cHawaiiUSA Federal Credit Union\n1226 College Walk Honolulu, HI 96817-3946\nLife Matters Visa Credit Card Agreement and Disclosure\nPart 1 of 2\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\nAPR for Balance Transfers\n\nPaying Interest\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\n14.90%\n14.90%\nYour due date is at least 25 days after the close of each billing cycle. We\nwill not charge you interest on purchases and balance transfers if you pay\nyour entire balance by the due date each month.\nTo learn more about factors to consider when applying for or using\na credit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2\nBalance Transfer\n\xe2\x80\xa2\n\nForeign Transaction\n\nPenalty Fees\n\xe2\x80\xa2\nLate Payment\n\xe2\x80\xa2\nReturned Payment\n\nNone\nNone\nNone\n\nUp to $25\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new transactions).\xe2\x80\x9d\nSee Part 2 of 2 of this Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided at the end\nof this Agreement, in Part 2 of 2.\n\n2\n\nLife matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19)\n\n\x0cHAWAIIUSA FEDERAL CREDIT UNION\n1226 College Walk, Honolulu HI 96817-3946\nLife Matters Platinum Visa Credit Card Agreement and Disclosure\nPart 2 of 2\n1.\nGENERAL. The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d in this Life Matters Visa Credit Card Agreement and Disclosure (\xe2\x80\x9cAgreement\xe2\x80\x9d)\nrefer to each person who as Applicant or Joint Applicant has asked us to open a Consumer Platinum Credit Card Account in his\nor her name. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cHawaiiUSA\xe2\x80\x9d refer to HawaiiUSA Federal Credit Union. The word \xe2\x80\x9cStatement\xe2\x80\x9d means the\nperiodic billing statement for your Account, which we will send you each month. \xe2\x80\x9cBilling Period\xe2\x80\x9d means the period of time covered\nby the Statement.\nYou are asking that we: (1) open a consumer Platinum credit card account at HawaiiUSA in your name (your \xe2\x80\x9cAccount\xe2\x80\x9d); (2)\nissue you one or more VISA credit cards (\xe2\x80\x9cCard\xe2\x80\x9d) for your Account, in your name, or names, if a joint account; (3) allow you to\npurchase goods and services with your Card (your \xe2\x80\x9cPurchases\xe2\x80\x9d); and (4) allow you to make balance transfers using your\nAccount (your \xe2\x80\x9cBalance Transfers\xe2\x80\x9d). You authorize us to pay and charge your Account for all transactions (including\nPurchases, Convenience Checks, and Balance Transfers) made or obtained by you or anyone you authorize to use your Card\nor Account (collectively, \xe2\x80\x9cTransactions\xe2\x80\x9d).\nYou will be obligated to pay all such Transactions charged to your Account whether resulting from: (1) actual use of your Card;\n(2) mail order or telephone, computer, or other electronic transactions made without presenting the Card; or (3) any other\ncircumstances where you authorize a charge, or authorize someone else to make a charge, to your Account. \xe2\x80\x9cAccount Balance\xe2\x80\x9d\nmeans all authorized charges, plus any finance charges assessed on your Account, plus any other fees and charges which you\nowe to us under the terms of this Agreement.\nIn return, by accepting, signing or using your Card after receiving a copy of this Agreement, you agree to be liable for all\nTransactions and charges to your Account; you agree to the terms of this Agreement and any amendments to this Agreement;\nand you agree that it will be binding upon you even if your Account is cancelled or terminated.\n2.\nMILITARY LENDING ACT DISCLOSURES. Federal law provides important protections to members of the Armed\nForces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of\nthe Armed Forces and his or her dependents may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\nproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit\ncard account). To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at (800) 3791300 ext. 8457.\n3.\nCONSUMER ACCOUNT. You agree that your Account is for consumer use only, and is established and to be used\nprimarily for personal, household, or family purposes. We do not have a duty to monitor your Account for business use. If you use\nyour Account for business purposes, you agree that the consumer protection provisions of this Agreement do not apply except to\nthe extent required by law. We may close your Account if we learn that you are using it for business purposes. If you need a\ncredit card account for business or commercial use, please contact us to open a business credit card account.\n4.\nACCOUNT USE. Your Account use is subject to this Agreement. All Transactions are subject to our approval. You\nmay use your Card to purchase goods and services in person, online, and by mail or telephone from merchants and others who\naccept Visa credit cards.\nYou may also use your Account to transfer balances from other creditors, provided that we approve your request. To make a\nBalance Transfer, contact any HawaiiUSA branch or obtain a Balance Transfer authorization form from our website,\nhttp://hawaiiusafcu.com.\n5.\nCREDIT LIMIT: We assign a Credit Limit to your Account. Your Credit Limit will initially be disclosed in Your welcome\nletter and will be reflected on each periodic statement. You agree to manage your Account so that your Account Balance\n(including fees and charges) is not more than your Credit Limit. However, if your Account Balance exceeds your Credit Limit,\nyou are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you of such\n\n3\n\nLife matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19)\n\n\x0cincrease or decrease by mail or through a statement sent to the primary accountholder\xe2\x80\x99s address of record, in accordance with\napplicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower\non the Account may request a change to the Credit Limit orally, in writing, or electronically, but any such request must be\napproved by us. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in\nthe Account Balance even when it differs from an amount previously agreed to orally or in writing.\n6.\nACCOUNT OPENING DISCLOSURE. Please refer to the Life Matters VISA Credit Card Agreement and Disclosure,\nPart 1 of 2, distributed with this Agreement, which contains rate, fee, and other cost information.\n7.\n\nANNUAL FEE. None.\n\n8.\n\nOTHER FEES. You also agree to pay us:\n\xe2\x80\xa2 a $15.00 Replacement Card Fee for each Card that we issue to you as replacement for a lost, stolen or damaged\nCard, payable at the time your replacement Card is ordered for you;\n\xe2\x80\xa2\na Returned Payment Fee of up to $25.00 each time a check you use to make a payment is returned unpaid\n(however, the Returned Payment Fee will not exceed the amount of the minimum payment due);\n\xe2\x80\xa2\na $25 fee per hour or fraction thereof for any research requested;\n\xe2\x80\xa2\nA Late Payment Fee of up to $25 with respect to any Billing Period if the Minimum Payment Due is not paid within\nfive (5) days after the Payment Due Date. However, the Late Payment Fee will not exceed the amount of the\nMinimum Payment Due. You will only have to pay the Late Payment Fee once on the same late payment.\n\nYou authorize us to charge your Account for the fees due to us. You understand and agree that we have the right, in our sole\nand absolute discretion, to change the amount of fees that apply to your Account, in accordance with applicable law.\n9.\nPLATINUM VISA NON-VARIABLE RATE PROGRAM. We use annual percentage rates (APRs) to calculate interest\ncharges on your Account. Our Visa program is a non-variable rate program, which means that your APR does not change except\nas otherwise provided for in this Agreement.\nDetails about your interest Periodic Rate\nCorresponding Annual Percentage\nrates and interest calculations\nRate (APR)\nPurchases\n1.2417% (M)\n14.90%\nBalance Transfers\n1.2417% (M)\n14.90%\n(M) = Monthly Periodic Rate. A monthly periodic rate is the APR divided by 12.\n10.\n\nINTEREST CALCUATION\n\nInterest charges will be imposed on Transactions only if you elect not to pay the entire Account Balance shown on your Statement\nby the Payment Due Date. If you elect not to pay the entire Account Balance shown on your Statement by the Payment Due\nDate, interest charges will be imposed on the unpaid Average Daily Balance of Transactions from the previous Statement closing\ndate and on the new Transactions from the date of posting to your Account during the current Billing Period, and will continue to\naccrue until the closing date of the Billing Period preceding the date on which the entire Account Balance is paid in full.\nWe calculate interest on your Account each Billing Period by applying the Monthly Periodic Rate to the Average Daily Balance\n(including new Transactions). The following explains how we do this. To get the Average Daily Balance:\n\xe2\x80\xa2 We start with the beginning balance of your account each day.\n\xe2\x80\xa2 We add any new Transactions, fees and other charges.\n\xe2\x80\xa2 We subtract any credits or payments credited as of that day and any unpaid interest or other finance charges.\nThis gives us the daily balance. Then, we add up all the daily balances for the Billing Period and divide the total by the number\nof days in the Billing Period. This gives us the average daily balance.\nFrom time to time and at our discretion, we may offer introductory or promotional APRs for all or any part of your Account\nBalance, Balance Transfers or future transactions. The period of time for which the introductory or promotional APR applies\nmay be limited. Any applicable promotional APR, the corresponding periodic rates, and the period of time during which they are\nin effect will appear on the offer. Any introductory or promotional rate offer will be subject to the terms of the offer and this\nAgreement. Any introductory or promotional APR that we may offer will be separately identified on your Statement as well as the\n\n4\n\nLife matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19)\n\n\x0cbalances to which these APRs apply. Upon expiration of the introductory or promotional APR, the APR will be adjusted to the\nstandard APR and will apply to all outstanding balances.\n11.\n\nGRACE PERIOD.\n\nYou will not pay any interest on Purchases if you pay the Account Balance, including any Balance Transfers, in full by the\nPayment Due Date shown on your Statement each and every Billing Period. We call this a grace period on Purchases. Generally\nyou will have a 25-day grace period from the close of each Billing Period to pay the Account Balance without incurring additional\ninterest on Purchases. The Payment Due Date disclosed on each Statement provided to you is the last day of your grace period\nfor that Statement\xe2\x80\x99s billing cycle. If you do not pay the Account Balance, including any Balance Transfers, in full by the Payment\nDue Date in a Billing Period, you will pay interest on your Purchases from the date they are posted to your Account. You also\nwill not have a grace period on Purchases again until you pay the Account Balance in full by the Payment Due Date two (2)\nBilling Periods in a row.\nThere is no grace period on Balance Transfers. This means you will pay interest on Balance Transfers from the date these\ntransactions post to your Account.\n12.\n\nPAYMENTS.\n(a) Minimum Payment. Every month, you must pay at least the Minimum Payment Due by the Payment Due Date\nshown on your Statement. The Minimum Payment Due will be either (1) 2.0% of your Account Balance or $25, whichever\nis greater; or (2) your Account Balance if it is less than $25.00. In addition, you must pay any amount past due, any late\ncharge and any amount over the Credit Limit.\nThough you need only pay the Minimum Payment Due, you have the right to repay your Account Balance at any time without\npenalty.\nYou must also pay on our demand the amount by which the Account Balance exceeds the credit limit that we set for your Account.\n(b) Time and Place for Payment. All VISA payments are to be mailed to: VISA\nP.O. BOX 79265\nCity of Industry, CA 91716-9265\nPayments may also be made at any of our HawaiiUSA branches. You must also follow the instructions below when making a\npayment. If you do, we will credit the payment to your Account as of the day we receive it.\n\xe2\x80\xa2 We must receive your payment on or before the Payment Due Date in order for your Account to be credited by\nthe Payment Due Date.\n\xe2\x80\xa2 You must pay in U.S. Dollars.\n\xe2\x80\xa2 You must use a check or electronic debit issued by a financial institution in the U.S. (do not mail cash).\n\xe2\x80\xa2 You must not send us a check dated after the date that we receive it.\n\xe2\x80\xa2 You must not enclose more than one check per envelope.\n\xe2\x80\xa2 You must not include any restrictive endorsements on the check.\n\xe2\x80\xa2 You must follow any additional payment instructions shown on your Statement.\n(c) How Your Payments Will Be Applied. Minimum Payments will be applied to your Account in the manner chosen\nby us subject to applicable law. Any payment amounts above the Minimum Payment Due will be applied to balances subject to\nhigher APRs and then to balances subject to lower APRs, in descending order of APRs until all balances subject to an APR are\npaid in full.\n(d) Payments Marked \xe2\x80\x9cPaid In Full.\xe2\x80\x9d We may accept checks, money orders, or other types of payment marked \xe2\x80\x9cpayment\nin full\xe2\x80\x9d or using other language to indicate full satisfaction of any indebtedness without being bound by such language or waiving\nany rights under this Agreement. Full satisfaction of indebtedness shall be accepted by us only in a written agreement, signed\nby an authorized representative.\n13.\nPAYMENTS BY AUTOMATIC TRANSFER: By separate agreement, you may authorize us to automatically transfer the\nMinimum Payment Due from your Credit Union savings or checking account. If you request payment by automatic transfer, you\nunderstand and agree that no payment will be made if there are insufficient or uncollected funds in the designated savings or\nchecking account to make the scheduled payment. Should this event occur, you understand and agree that you will not be\nreleased from making the payment. Any automatic transfer you have requested will remain in effect until you cancel it in writing\n\n5\n\nLife matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19)\n\n\x0cor the Account Balance is paid in full. To stop a payment by automatic transfer, you may send us a letter requesting that the\npayment be stopped. Your letter must be received by HawaiiUSA Federal Credit Union, Attention: Card Services Department,\n1226 College Walk, Honolulu, HI 96817, at least three (3) business days before the automatic payment is scheduled to occur. We\nmay cancel this service at our discretion.\n14.\nRECURRING PAYMENTS: The use of your Account to make preauthorized electronic recurring bill payments\nconstitutes an \xe2\x80\x9celectronic fund transfer\xe2\x80\x9d as defined by the federal Electronic Fund Transfer Act and Regulation E. You may be\nable to place a stop payment on a preauthorized electronic recurring bill payment in accordance with the terms of our\nAuthorization Agreement for Preauthorized Payments. Any such stop payment order is subject to a Stop Payment Fee of $10.00\nfor each stop payment order you give. A stop payment/revocation order does not release you from the obligation to pay for\ngoods and services purchased from merchants.\n15.\nRESPONSIBILITY. You agree to repay us according to the terms of this Agreement for all Transactions, finance\ncharges, late charges, and other fees arising from the use of the Account by you or any other person you permit to use the\nAccount, even if that person exceeds your permission. You must not give anyone else possession of your Card or other authority\nto make transactions on your Account. You cannot disclaim responsibility by notifying us, although we will close the Account if\nyou so request and you will return all Cards to us. Your obligation to pay the Account Balance continues even though an\nagreement, divorce decree, or other court judgment to which we are not a party may direct you or one of the other persons\nresponsible to pay the Account.\n16.\nJOINT ACCOUNTS. If this is a joint Account, each of you will be individually and jointly responsible for paying all amounts\nowed under this Agreement. This means that we can require any one of you individually to repay the Account Balance. Each\nof you authorizes the other to make Transactions individually. Any one of you may close the Account and such closure will be\neffective as to all of you. You agree that all notices regarding the Account may be sent solely to the cardholder whose name\nand address appears on our billing records. If this is a joint account, neither party can be released from his or her obligations\nexcept upon HawaiiUSA\xe2\x80\x99s approval. Cards remain our property and you must recover and surrender to us all Cards upon our request\nand upon termination of this Account.\n17.\nACCOUNT USE BY AUTHORIZED USERS: You may request to add one or more Authorized Users to your Account. If\nwe approve your request, use of your Account by an Authorized User is subject to the terms of this Agreement. You must:\n\xe2\x80\xa2 Obtain permission from each Authorized User before naming him or her as an Authorized User on your Account.\n\xe2\x80\xa2 Make a copy of this Agreement available to each Authorized User.\n\xe2\x80\xa2 Pay us for all charges incurred by each Authorized User.\n\xe2\x80\xa2 Notify us to remove an Authorized User from your Account. If we remove an Authorized User, we may close your\nAccount, open a new Account, and issue you a new Card.\nWe may limit the number of Authorized Users on your Account.\nYou are responsible for:\n\xe2\x80\xa2 Any Transactions made by an Authorized User on your Account.\n\xe2\x80\xa2 Any Transaction made by an Authorized User even if the post-date shown on your periodic statement for that\nTransaction occurs after the date you ask us to remove the Authorized User from your Account.\n\xe2\x80\xa2 Any Transactions made by others if an Authorized User allows them to use your Account.\n\xe2\x80\xa2 Fees and charges resulting from any Transactions made by an Authorized User or others if an Authorized User\nallows them to use your Account.\nINFORMATION ABOUT AUTHORIZED USERS: You agree to give us certain personal information about each\nAuthorized User. You must let each one know that you will give us that information and you must have his or her\npermission to do so. You must have permission from each one to allow us to share information about him or her as\npermitted by applicable law. This includes information we may obtain from you, any Authorized User and others. It also\nincludes information about their Transactions on the Account.\nCREDIT REPORTING: We report information about this Account to Consumer Reporting Agencies in the Authorized\nUser\xe2\x80\x99s name that may appear on their credit report. This could include information about:\n\xe2\x80\xa2 Late Payments;\n\xe2\x80\xa2 Returned Payments;\n\xe2\x80\xa2 Over-the-credit-limit amounts; and\n\xe2\x80\xa2 Other violations of this Agreement.\n\n6\n\nLife matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19)\n\n\x0cYou understand and agree that you must let each Authorized User know that we report Account information in his or\nher name.\n18.\nINTERNET (ONLINE) TRANSACTIONS. We subscribe to Verified by Visa (VbV). VbV is an enhancement that\nimproves the security of Purchases made via the Internet by enabling us to verify your Account ownership during online\npurchases by using a password. VbV only relates to Internet Purchases from merchants that also participate in VbV. If you\nmake Purchases through the Internet, you may register your Card at www.visa.com, where you will be asked to enter account\ninformation and personal data for identity confirmation. You will be able to shop at participating VbV Internet merchants with no\nchanges to the shopping or checkout process. Should you shop at a VbV participating Internet merchant and have not yet\nregistered your Card, you may be required to register with VbV before completing the transaction.\n19.\n\nFOREIGN TRANSACTIONS AND CURRENCY CONVERSION RATE.\n(a) Foreign Transactions. A foreign transaction is any transaction that you complete or a merchant completes\non your Card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies, or\nU.S. consultants. There is no fee for foreign transactions.\n\n(b) Currency Conversion Rate. Transactions will be billed to your Account in U.S. dollars. The conversion to U.S.\ndollars will be made in accordance with the Visa operating regulations for international transactions. The conversion rate to\ndollars will be at (i) the range of rates available in wholesale currency markets for the applicable central processing date, which\nrate may vary from the rate Visa itself receives, or (ii) the government mandated rate, whichever is applicable, in effect for the\napplicable central processing date, in each instance, plus or minus any adjustments determined by the issuer. The conversion\nrate may be different from the rate on the day the transaction took place or the date the transaction posted.\n20.\nPROHIBITION AGAINST USING ACCOUNT FOR MARGIN STOCK. You agree that you will not use the Account to\npurchase or carry margin stock (as defined in Federal Reserve Board regulations).\n21.\nILLEGAL ACTIVITY. You agree not to use your Card or Account, directly or indirectly: (1) in a manner that would\nconstitute a crime under local, state or federal law, or in any illegal activity or transaction, including without limitation any\n\xe2\x80\x9cracketeering activity\xe2\x80\x9d as defined in 18 USC \xc2\xa7 1961; or (2) for any gambling, gaming, betting, or similar activity or transaction.\nSuch transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce\ntransaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino\ngaming chips/checks or off-track betting or wagering. Display of a payment card logo by an online merchant or acceptance of a\nVisa Card by an online merchant does not necessarily mean that the transaction is legal in the jurisdiction in which you are\nlocated. In the event that a charge or transaction described in this paragraph is processed, you will still be responsible for such\ncharges. Any such illegal or other prohibited use constitutes an unauthorized use and can result in cancellation and termination\nof your Account. You agree, should illegal use occur, to waive any right to sue us in connection with such illegal use and to\nindemnify and hold us harmless from any action or liability, including attorney\xe2\x80\x99s fees and costs, directly or indirectly arising out\nof such illegal use.\n23.\nCREDIT INFORMATION. You warrant that the information on any credit application that you have given us to get your\nAccount or Card is correct. We may retain your application. You agree to notify us immediately if any information on your\napplication becomes incorrect, including a change in your name, address, employment or financial status. You authorize us to\ninvestigate your credit standing when opening, renewing, or reviewing your Account. You authorize us to disclose information\nregarding your Account and our credit experience with you to credit bureaus and others to the extent permitted by law. You\nunderstand and agree that we may make changes to the terms of your Account based on information in your credit history. You\nunderstand that it is a violation of section 1014, title 18, US Code, to make false statements or over-value security for the purpose\nof influencing the action of any federally insured credit union, including HawaiiUSA.\n24.\nDEFAULT. You will be in default if: (1) you do not pay at least the Minimum Payment Due or other required payment\nby the Payment Due Date; (2) you violate any of the terms of this Agreement; (3) your creditworthiness is impaired; (4) you\nmake any false or misleading statements in any credit application, credit update or other communication to us; or (5) you die,\nare declared incompetent or mentally incapacitated, become insolvent, or are the subject of bankruptcy or receivership\nproceedings. You agree to inform us if you become aware of any event or condition that may constitute a default as described in\nthis paragraph. We have the right to demand immediate payment of the entire Account Balance if you default, subject to our\ngiving you any notice required by law.\n\n7\n\nLife matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19)\n\n\x0c25.\nCLOSING OR SUSPENDING YOUR ACCOUNT; ACCELERATION. If you default, you understand and agree that we\nhave the right to temporarily or permanently suspend any and all Account and Card privileges, and/or we may demand immediate\npayment of the Account Balance. We may close or suspend your Account at any time, without notifying you, as permitted by law.\nWe are not liable to you for any transactions that are denied due to our decision to close, suspend or terminate your Account.\nYou agree that you will not attempt to make a Purchase after you have been notified that your privilege to use your Account has\nbeen terminated. You may close your Account at any time by notifying us in writing, and you must return all Cards that were\nissued for your Account. If we close or suspend your Account, or if you close your Account, you understand and agree that you\nremain obligated to repay the entire Account Balance. You understand and agree that interest charges at the APR as permitted\nunder this Agreement will continue to accrue until you repay your entire Account Balance.\n26.\nCOLLECTION COSTS. To the extent permitted by law, you are liable to us for our legal costs if we refer collection of\nyour Account to an attorney who is not our salaried employee. These costs may include reasonable attorneys\xe2\x80\x99 fees, as well as\ncosts and expenses of any legal action.\n27.\nLIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your Card or Account number, you should\ncall us immediately at 1-800-654-7728, or write to us at: Credit Card Security Department, P.O. Box 31112, Tampa, FL 336313112. Telephoning is the best way of keeping your possible losses down.\nYou will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use\nthat occurs before your notice to us. In any case, your liability will not exceed $50. Subject to investigation, verification of your\nclaim, and account standing and history, you will have no liability for unauthorized Purchases made with your Card through Visa,\nunless you acted with gross negligence or fraud, or delayed in reporting unauthorized use. You agree that in the event of a lost,\nstolen, not received or counterfeited card or fraudulent activity on your Account, you and all parties given access to the Account\nwill complete an affidavit of forgery in a form approved by the Credit Union. You also agree to assist us in determining the facts,\ncircumstances, and other pertinent information related to any loss, theft or possible unauthorized use of your Card or Account\nnumber and to comply with such other procedures as we may require in connection with our investigation.\nYou are responsible for the safekeeping of your Card and Account number.\n28.\nSTATEMENTS. Your Card or other Account activity will be reflected on your Statement. We will send you a Statement\nfor each Billing Period in which Transaction activity has occurred on your Account. Your Statement will identify the merchant,\nelectronic terminal, or financial institution at which transactions were made, but sales, credit, or other receipts cannot be returned\nwith the Statement. You agree to retain copies of such receipts furnished at the time of the transaction in order to reconcile your\nStatement. If you request a copy of any sales draft or similar document, a Statement fee of $5.00 may be imposed by us. This fee will\nnot be imposed, however, if it was requested in connection with a billing error. Statements will be mailed or delivered electronically if\nyou have agreed to receive notices from us in an electronic format.\n29.\nINACTIVE ACCOUNT: If your Account does not have any activity for twenty-four (24) consecutive months, it will be\nconsidered an inactive account and your ability to take advances against your Credit Limit may be suspended. If your Account\nis inactive for twenty-four (24) consecutive months, we may close it.\n30.\nRETURNS AND ADJUSTMENTS. If a merchant discloses a policy such as \xe2\x80\x9cno returns,\xe2\x80\x9d \xe2\x80\x9cno refunds,\xe2\x80\x9d \xe2\x80\x9cno return or credit\nwithout receipt,\xe2\x80\x9d \xe2\x80\x9cas is,\xe2\x80\x9d \xe2\x80\x9cstore credit only\xe2\x80\x9d or \xe2\x80\x9call sales final,\xe2\x80\x9d you will be bound by that policy when you use your Card to buy goods or\nservices from that merchant. A merchant refund to your Account will post to your Account as a credit. We do not control when a\nmerchant sends an Account credit. We will choose how to apply the credit to your existing Account Balance. If a credit fails to post\nto your Account, you may request our help in having the credit applied to your Account by sending us a copy of the credit receipts until\nthe credit is properly applied to your Account. If your credits and payments exceed what you owe us, we will hold and apply this\ncredit balance against future Transactions, or if it is $1.00 or more, refund it on your written request or automatically after six (6)\nmonths.\n31.\nDISPUTES WITH MERCHANTS. We are not responsible for the refusal of any merchant or financial institution to honor\nyour Card. If you have a dispute with a merchant or financial institution, you must make a good faith attempt to resolve the\ndispute with the merchant or financial institution. If you cannot do so, you must send written notice of the dispute to Customer\nService, P.O. Box 31112, Tampa, FL 33631-3112 and to the merchant or financial institution. We will then investigate the dispute\nand take such action as required under the Federal Truth in Lending Act.\n32.\nINVESTIGATIONS. You agree to cooperate fully with the investigation of any merchant dispute or unauthorized\ntransaction regarding your Account, to file complete and truthful reports with cr im inal law enforcement agencies, and to\n\n8\n\nLife matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19)\n\n\x0cgive complete and truthful testimony. At our request, you agree that (1) we will be subrogated to, and you shall assign to us, all\nrights that you have against any merchant, financial institution, or unauthorized user, (2) you will do whatever is necessary to\nenable us to exercise our rights and will cooperate with us, and (3) you will not prejudice our rights. You further agree that we\nhave the right to reverse any credits that we apply, and that you will indemnify and hold us harmless with respect to any dispute,\nto the full extent permitted by law.\n33.\nCHANGE OF TERMS. This Agreement is the contract that applies to all Transactions on your Account even though the\nsales, credit, or other slips you sign or receive may contain different terms. Subject to applicable law, you understand and agree\nthat we may amend, modify, add to, or delete from this Agreement any of its terms and conditions, including financial terms,\nincluding rates and fees by providing notice as required by law. The new terms will apply to your existing Account Balance and\nall fees and charges accrued at the time of the change as well as to any future Transactions, to the extent permitted by applicable\nlaw.\n34.\nVISA ACCOUNT UPDATER (VAU). VAU is an account updating service in which your Card is automatically enrolled.\nWhen your Card expires, is lost or stolen and a new Card is issued, the service may update relevant Card data (Card numbers\nand expiration dates) to appropriate merchants who participate in an effort to facilitate uninterrupted processing of your recurring\ncharges. This service provides updates to a Visa database only. The database is accessed by those qualified merchants\nseeking your Account information after you have requested they process a recurring payment or payments. This service is\nprovided as a free benefit to you. If at any time you wish to opt-out of the VAU service or if you have any questions, please call\n(808) 534-4300 or (800) 379-1300- to do so.\n35.\n\nNOTICE\n(a) To Us. If there is any notice that you need to give to us, call us during our business hours at (808) 534-4300 on\nOahu, or toll free at (800) 379-1300, or write to us at: HawaiiUSA Federal Credit Union, 1226 College Walk, Honolulu, HI 968173946.\nIf you email us, we may not immediately review it. We will not take action based on email requests until a Credit Union employee\nreads the email and has a reasonable opportunity to act. Do not include any personal or confidential information in any email\nthat you send to us, whether through online banking or through a different email provider.\nWe will never contact you by email, telephone, mail or other type of correspondence and request your account number, password,\nusername, or other access code. If you are contacted by anyone asking for your account number, password, username or other\naccess code, you should refuse and immediately contact us. You may be the target of identity theft.\n(b) To You. If you move, you must give written notice of your new address. Whenever we are required to give you\nnotice for something, we will mail it to you at the address we have for you in our records. If you sign up for electronic statements,\nnotice may be provided by email. If there is more than one person on the Account, notice to any one of you constitutes notice to\nall of you.\n36.\nAPPLICABLE LAW; VENUE. Your Account was approved and issued in the State of Hawaii, and all extensions of credit\nare being made from the State of Hawaii. You agree that the laws of the State of Hawaii (without regard to conflict of laws\nprovisions) apply to this Agreement, to the Account and to use of the Card, wherever that takes place. Any action with respect\nto this Agreement, the Account or use of the Card may be brought or transferred to federal or state courts located in Honolulu,\nHawaii.\n37.\n\nRENEWALS. If you move out of the State of Hawaii, your Account may not be renewed.\n\n38.\nNONTRANSFERABILITY. You may not transfer or assign your Account or Card without our prior written consent, which\nwe may withhold in our sole discretion. We may sell, transfer or assign this Agreement and your Account to a third party at any\ntime without notifying you.\n39.\nSEVERABILITYAND FINAL EXPRESSION. This Agreement is the final expression of the terms and conditions of your\nAccount. This Agreement may not be contradicted by evidence of any alleged oral agreement. If any provision in this Agreement\nis found to be invalid or unenforceable, all other provisions shall remain in full force and effect.\n\n9\n\nLife matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19)\n\n\x0c40.\nINTEGRATED DOCUMENTS. Any separate sheet of paper identified as an \xe2\x80\x9cAddendum\xe2\x80\x9d or \xe2\x80\x9cAmendment\xe2\x80\x9d to this\nAgreement is an integrated part of the Agreement.\n41.\nBUSINESS DAYS. Our Business Days and hours at our Main Branch are Monday to Friday, 9:00 am to 5:30 pm, and\nSaturday, 8:30 am to 2:30 pm. All times are Hawaii Standard Time (HST). Holidays are not included.\n42.\n\nCOPY RECEIVED. You acknowledge receipt of a copy of this Agreement and agree to accept its terms.\n\n43.\nVISA SHARE SECURED CREDIT CARD: If you have signed a separate Share Pledge Agreement, you understand\nand agree that you are pledging funds now on deposit in a deposit account you have with us. You understand that you must, at\nall times, keep a sum equal to your credit limit on deposit in the designated deposit account identified on the Share Pledge\nAgreement until you repay your entire Account Balance and the Account is closed. You understand and agree that this security\ninterest will cover future Transactions under this Agreement. If you default, we may apply the pledged funds to repay your\nAccount Balance in accordance with federal or other law. You understand that the APR applicable to your Account does not\ntake into account the amount pledged in your designated deposit account. Share Secured program ineligible for cash advance\ntransactions.\n44.\nENFORCING THIS AGREEMENT. We will not lose our rights under this Agreement because we delay in enforcing\nthem or fail to enforce them.\n45.\nMEMBERSHIP REQUIREMENT. You understand and agree that you must be and remain a member in good standing\nwith us to be eligible for continuing Account and/or Card privileges, including future Transactions. You understand and agree\nthat we may suspend or close the Account and/or Card privileges during any period in which you do not maintain your\nmembership with us.\n46.\nCALL MONITORING: You agree that your communications to and from the Credit Union, including but not limited to\ncommunicating by telephone, text message, chat, email, or our website, will be monitored and recorded to improve member\nservice and security.\n47.\nMOBILE PHONES AND OTHER DEVICES: Smart phones, some tablets or other mobile devices (a \xe2\x80\x9cmobile device\xe2\x80\x9d)\ncan download, store, and/or access Account information. This means they can be used to make purchases or other transactions\nthrough a mobile wallet, that may enable you to use the mobile device to purchase goods or services, or make a balance transfer.\nApplications that enable your mobile device and use your Card to make transactions will have unique terms governing those\napplications and may have separate terms of use. We are not responsible if you violate those terms, or for any consequences\nresulting from any violation. Any such transactions are governed by this Agreement. When your ACCOUNT is accessible by\nyour mobile device, it is important that you treat your mobile device with the same care you would your CARD. For example, you\nshould secure your mobile device against unauthorized access. Keep in mind, if you give someone your phone, or other mobile\ndevice, that can be the same as giving that person your credit CARD.\n48.\n\nNOTICE. See the statement below for important information regarding your right to dispute billing errors.\n\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice contains important information about your rights and our responsibilities under the Fair Credit Billing\nAct.\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 HawaiiUSA Federal Credit Union, Customer Service, P.O. Box\n31112, Tampa, FL 33631-3112\nIn your letter, give us the following information:\n\xe2\x80\xa2\nAccount information: Your name and account number.\n\xe2\x80\xa2\nDollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n\n10\n\nLife matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19)\n\n\x0c\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 scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any\npotential errors and you 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 we received your letter. We also will tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain why we believe the bill was 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 as delinquent on that\namount.\n\xe2\x80\xa2\nThe charge in question may remain on your Statement, and we may 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 responsible for the remainder of your balance.\n\xe2\x80\xa2 We 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 question or any interest or other fees related to that\namount.\n\xe2\x80\xa2\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you\nas delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse\nto pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell\nyou the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter\nhas been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith\nto correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home State or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with with a check that accesses your credit\ncard 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 purchase, contact us in writing at HawaiiUSA Federal\nCredit Union, Customer Service, P.O. Box 31112, Tampa, FL 33631-3112.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we\nwill tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n11\n\nLife matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19)\n\n\x0c'


b'or similar activity or transaction. Such transactions include, but are\nnot limited to, any quasi-cash or online gambling transaction, any\nelectronic commerce transaction conducted over an open network,\nand any betting transaction including the purchase of lottery tickets\nor casino gaming chips/checks or off-track betting or wagering.\nDisplay of a payment card logo by an online merchant or acceptance\nof a Visa Card by an online merchant does not necessarily mean that\nthe transaction is legal in the jurisdiction in which you are located.\nIn the event that a charge or transaction described in this paragraph\nis processed, you will still be responsible for such charges. Any such\nillegal or other prohibited use constitutes an unauthorized use and\ncan result in cancellation and termination of your Account. You agree,\nshould illegal use occur, to waive any right to sue us in connection\nwith such illegal use and to indemnify and hold us harmless from\nany action or liability, including attorney\xe2\x80\x99s fees and costs, directly or\nindirectly arising out of such illegal use.\n22. REWARDS PROGRAM.\n(a) Reward Points. If you are enrolled in the Rewards Program for\nyour Account, Rewards points will only apply to net Purchases\n(Purchases minus returns and/or credits). Every dollar in\nqualifying Purchases, net of returns, charged to the Account\nearns one Participant Point (\xe2\x80\x9cPoint\xe2\x80\x9d). No points are earned\nfor finance charges, fees, Balance Transfers, Cash Advances,\nConvenience Checks, Foreign Transaction fees, insurance\ncharges or other items posted to the Account.\n(b) Loss of Accumulated Reward Points. Accumulated Rewards\nPoints will be lost should any of the following occur: (i) we have\nreason to believe illegal activity has occurred or is occurring\non your Account; (ii) your Account becomes 90 or more days\ndelinquent; or (iii) you or the Joint holder of this Account\ncauses HawaiiUSA to suffer a loss. In addition, Points earned\nin calendar year one will expire as of the last day of calendar\nyear five. (For example, points earned in 2010 will expire on\nDecember 31, 2014.)\n(c) Rewards Redemption. For travel related redemption, call toll\nfree (800) 900.6160. For merchandise redemption, send your\norder form to: CURewards Awards HQ 2440 West 34th Street,\nChicago, IL 60608-5134. The website to view the available\nmerchandise is: www.curewards.com. Redemption is subject\nto availability.\n(d) Program Rules. A complete set of Program Rules may be\nobtained at the CURewards website, through the HawaiiUSA\nwebsite, http://hawaiiusafcu.com, or by contacting HawaiiUSA\nat (808) 534.4300, or toll free at (800) 379.1300.\n(e) Termination. We reserve the right to terminate the Program\nat any time upon providing any notice required by applicable\nlaw. If terminated, we shall not be responsible or liable for any\npoints you have earned and did not use prior to the end of the\nProgram. Also, if your Account is closed for any reason, any\nunused accrued points will be forfeited.\n23. CREDIT INFORMATION. You warrant that the information on\nany credit application that you have given us to get your Account or\nCard is correct. We may retain your application. You agree to notify\nus immediately if any information on your application becomes\nincorrect, including a change in your name, address, employment or\nfinancial status. You authorize us to investigate your credit standing\nwhen opening, renewing, or reviewing your Account. You authorize\nus to disclose information regarding your Account and our credit\n9\n\nexperience with you to credit bureaus and others to the extent\npermitted by law. You understand and agree that we may make\nchanges to the terms of your Account based on information in your\ncredit history. You understand that it is a violation of section 1014,\ntitle 18, US Code, to make false statements or over-value security for\nthe purpose of influencing the action of any federally insured credit\nunion, including HawaiiUSA.\n24. DEFAULT. You will be in default if: (1) you do not pay at least the\nMinimum Payment Due or other required payment by the Payment\nDue Date; (2) you violate any of the terms of this Agreement;\n(3) your creditworthiness is impaired; (4) you make any false or\nmisleading statements in any credit application, credit update or\nother communication to us; or (5) you die, are declared incompetent\nor mentally incapacitated, become insolvent, or are the subject of\nbankruptcy or receivership proceedings. You agree to inform us if\nyou become aware of any event or condition that may constitute a\ndefault as described in this paragraph. We have the right to demand\nimmediate payment of the entire Account Balance if you default,\nsubject to our giving you any notice required by law.\n25. CLOSING OR SUSPENDING YOUR ACCOUNT; ACCELERATION. If\nyou default, you understand and agree that we have the right to\ntemporarily or permanently suspend any and all Account and Card\nprivileges, and/or we may demand immediate payment of the\nAccount Balance. We may close or suspend your Account at any\ntime, without notifying you, as permitted by law. We are not liable\nto you for any transactions that are denied due to our decision to\nclose, suspend or terminate your Account. You agree that you will\nnot attempt to make a Purchase or obtain a Cash Advance after you\nhave been notified that your privilege to use your Account has been\nterminated. You may close your Account at any time by notifying us\nin writing, and you must return all Cards that were issued for your\nAccount. If we close or suspend your Account, or if you close your\nAccount, you understand and agree that you remain obligated to\nrepay the entire Account Balance. You understand and agree that\ninterest charges at the APR as permitted under this Agreement will\ncontinue to accrue until you repay your entire Account Balance.\n26. COLLECTION COSTS. To the extent permitted by law, you are liable to\nus for our legal costs if we refer collection of your Account to an attorney\nwho is not our salaried employee. These costs may include reasonable\nattorneys\xe2\x80\x99 fees, as well as costs and expenses of any legal action.\n27. LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft\nof your Card, PIN or Account number, you should call us immediately\nat 1.800.654.7728, or write to us at: Credit Card Security Department,\nP.O. Box 31112, Tampa, FL 33631-3112. Telephoning is the best way of\nkeeping your possible losses down.\nYou will not be liable for any unauthorized use that occurs after you\nnotify us. You may, however, be liable for unauthorized use that occurs\nbefore your notice to us. In any case, your liability will not exceed\n$50. Subject to investigation, verification of your claim, and account\nstanding and history, you will have no liability for unauthorized\nPurchases made with your Card through Visa, unless you acted with\ngross negligence or fraud, or delayed in reporting unauthorized\nuse. You agree that in the event of a lost, stolen, not received or\ncounterfeited card or fraudulent activity on your Account, you and\nall parties given access to the Account will complete an affidavit of\nforgery in a form approved by the Credit Union. You also agree to\nassist us in determining the facts, circumstances, and other pertinent\ninformation related to any loss, theft or possible unauthorized use\nof your Card, PIN or Account number and to comply with such other\nprocedures as we may require in connection with our investigation.\n10\n\nYou are responsible for the safekeeping of your Card, PIN, and\nAccount number.\n28. STATEMENTS. Your Card or other Account activity will be\nreflected on your Statement. We will send you a Statement for\neach Billing Period in which Transaction activity has occurred on\nyour Account. Your Statement will identify the merchant, electronic\nterminal, or financial institution at which transactions were made,\nbut sales, Cash Advance, credit, or other receipts cannot be returned\nwith the Statement. You agree to retain copies of such receipts\nfurnished at the time of the transaction in order to reconcile your\nStatement. If you request a copy of any sales raft or similar document,\na Statement fee of $5.00 may be imposed by us. This fee will not be\nimposed, however, if it was requested in connection with a billing\nerror. Statements will be mailed or delivered electronically if you\nhave agreed to receive notices from us in an electronic format.\n29. INACTIVE ACCOUNT: If your Account does not have any activity\nfor twenty-four (24) consecutive months, it will be considered an\ninactive account and your ability to take advances against your Credit\nLimit may be suspended. If your Account is inactive for twenty-four\n(24) consecutive months, we may close it.\n30. RETURNS AND ADJUSTMENTS. If a merchant discloses a policy\nsuch as \xe2\x80\x9cno returns,\xe2\x80\x9d \xe2\x80\x9cno refunds,\xe2\x80\x9d \xe2\x80\x9cno return or credit without\nreceipt,\xe2\x80\x9d \xe2\x80\x9cas is,\xe2\x80\x9d \xe2\x80\x9cstore credit only\xe2\x80\x9d or \xe2\x80\x9call sales final,\xe2\x80\x9d you will be\nbound by that policy when you use your Card to buy goods or services\nfrom that merchant. A merchant refund to your Account will post to\nyour Account as a credit. We do not control when a merchant sends\nan Account credit. We will choose how to apply the credit to your\nexisting Account Balance. If a credit fails to post to your Account, you\nmay request our help in having the credit applied to your Account by\nsending us a copy of the credit receipts until the credit is properly\napplied to your Account. If your credits and payments exceed what\nyou owe us, we will hold and apply this credit balance against future\nTransactions, or if it is $1.00 or more, refund it on your written\nrequest or automatically after six (6) months.\n31. DISPUTES WITH MERCHANTS. We are not responsible for the\nrefusal of any merchant or financial institution to honor your Card. If\nyou have a dispute with a merchant or financial institution, you must\nmake a good faith attempt to resolve the dispute with the merchant\nor financial institution. If you cannot do so, you must send written\nnotice of the dispute to Customer Service, P.O. Box 31112, Tampa, FL\n33631-3112 and to the merchant or financial institution. We will then\ninvestigate the dispute and take such action as required under the\nFederal Truth in Lending Act.\n32. INVESTIGATIONS. You agree to cooperate fully with the\ninvestigation of any merchant dispute or unauthorized transaction\nregarding your Account, to file complete and truthful reports with\ncriminal law enforcement agencies, and to give complete and truthful\ntestimony. At our request, you agree that (1) we will be subrogated\nto, and you shall assign to us, all rights that you have against any\nmerchant, financial institution, or unauthorized user, (2) you will\ndo whatever is necessary to enable us to exercise our rights and\nwill cooperate with us, and (3) you will not prejudice our rights. You\nfurther agree that we have the right to reverse any credits that we\napply, and that you will indemnify and hold us harmless with respect\nto any dispute, to the full extent permitted by law.\n33. CHANGE OF TERMS. This Agreement is the contract that\napplies to all Transactions on your Account even though the sales,\ncash advance, credit, or other slips you sign or receive may contain\ndifferent terms. Subject to applicable law, you understand and agree\n11\n\nthat we may amend, modify, add to, or delete from this Agreement\nany of its terms and conditions, including financial terms, including\nrates and fees by providing notice as required by law. The new\nterms will apply to your existing Account Balance and all fees and\ncharges accrued at the time of the change as well as to any future\nTransactions, to the extent permitted by applicable law.\n34. VISA ACCOUNT UPDATER (VAU). VAU is an account updating\nservice in which your Card is automatically enrolled. When your\nCard expires, is lost or stolen and a new Card is issued, the service\nmay update relevant Card data (Card numbers and expiration dates)\nto appropriate merchants who participate in an effort to facilitate\nuninterrupted processing of your recurring charges. This service\nprovides updates to a Visa database only. The database is accessed\nby those qualified merchants seeking your Account information after\nyou have requested they process a recurring payment or payments.\nThis service is provided as a free benefit to you. If at any time you\nwish to opt-out of the VAU service or if you have any questions,\nplease call (808) 534.4300 or (800) 379.1300- to do so.\n35. NOTICE\n(a) To Us. If there is any Notice that you need to give to us, call us\nduring our business hours at (808) 534.4300 on Oahu, or toll\nfree at (800) 379.1300, or write to us at: HawaiiUSA Federal\nCredit Union, 1226 College Walk, Honolulu, HI 96817-3946.\nIf you email us, we may not immediately review it. We will not\ntake action based on email requests until a Credit Union employee\nreads the email and has a reasonable opportunity to act. Do not\ninclude any personal or confidential information in any email that\nyou send to us, whether through online banking or through a\ndifferent email provider.\nWe will never contact you by email, telephone, mail or other type of\ncorrespondence and request your account number, PIN, password,\nusername, or other access code. If you are contacted by anyone\nasking for your account number, PIN, password, username or other\naccess code, you should refuse and immediately contact us. You may\nbe the target of identity theft.\n(b) To You. If you move, you must give written notice of your new\naddress. Whenever we are required to give you notice for\nsomething, we will mail it to you at the address we have for\nyou in our records. If you sign up for electronic statements,\nnotice may be provided by email. If there is more than one\nperson on the Account, notice to any one of you constitutes\nnotice to all of you.\n36. APPLICABLE LAW; VENUE. Your Account was approved and\nissued in the State of Hawaii, and all extensions of credit are being\nmade from the State of Hawaii. You agree that the laws of the State\nof Hawaii (without regard to conflict of laws provisions) apply to this\nAgreement, to the Account and to use of the Card, wherever that\ntakes place. Any action with respect to this Agreement, the Account\nor use of the Card may be brought or transferred to federal or state\ncourts located in Honolulu, Hawaii.\n37. RENEWALS. If you move out of the State of Hawaii, your Account\nmay not be renewed.\n\n39. SEVERABILITY AND FINAL EXPRESSION. This Agreement is the\nfinal expression of the terms and conditions of your Account. This\nAgreement may not be contradicted by evidence of any alleged oral\nagreement. If any provision in this Agreement is found to be invalid or\nunenforceable, all other provisions shall remain in full force and effect.\n40. INTEGRATED DOCUMENTS. Any separate sheet of paper\nidentified as an \xe2\x80\x9cAddendum\xe2\x80\x9d or \xe2\x80\x9cAmendment\xe2\x80\x9d to this Agreement is\nan integrated part of the Agreement.\n41. BUSINESS DAYS. Our Business Days and hours at our Main Branch\nare Monday to Friday, 9:00 am to 5:30 pm, and Saturday, 8:30 am to\n2:30 pm. Holidays are not included.\n42. COPY RECEIVED. You acknowledge receipt of a copy of this\nAgreement and agree to accept its terms.\n43. PINK PLATINUM CHARITABLE BENEFITS: This section applies if\nyou have a Pink Platinum Credit Card Account. Use of the HawaiiUSA\nVISA Pink Platinum Credit Card results in donations to charity. We\nwill donate 0.10% (10 cents for every $100) of all net Purchases\n(less returns) made with the Card to charity. We may increase this\namount during promotional periods. We will donate up to $20,000\nof net Purchases annually. We have designated the Making Strides\nAgainst Breast Cancer\xc2\xae program of the American Cancer Society as\nthe current charitable recipient. We reserve the right to change the\ncharitable recipient or to terminate the charitable program at any\ntime. No change will affect donations previously made.\n44. VISA SHARE SECURED CREDIT CARD: If you have signed a\nseparate Share Pledge Agreement, you understand and agree that\nyou are pledging funds now on deposit in a deposit account you have\nwith us. You understand that you must, at all times, keep a sum equal\nto your credit limit on deposit in the designated deposit account\nidentified on the Share Pledge Agreement until you repay your entire\nAccount Balance and the Account is closed. You understand and agree\nthat this security interest will cover future Transactions under this\nAgreement. If you default, we may apply the pledged funds to repay\nyour Account Balance in accordance with federal or other law. You\nunderstand that the APR applicable to your Account does not take into\naccount the amount pledged in your designated deposit account.\n45. ENFORCING THIS AGREEMENT. We will not lose our rights under this\nAgreement because we delay in enforcing them or fail to enforce them.\n46. MEMBERSHIP REQUIREMENT. You understand and agree that\nyou must be and remain a member in good standing with us to be\neligible for continuing Account and/or Card privileges, including\nfuture Transactions. You understand and agree that we may suspend\nor close the Account and/or Card privileges during any period in\nwhich you do not maintain your membership with us.\n\nIf you think there is an error on your Statement, write to us at\nCustomer Service, P.O. Box 31112, Tampa, FL 33631-3112\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\nAccount information: Your name and account number.\n\n\xe2\x80\xa2\n\namount: The dollar amount of the suspected error.\n\n\xe2\x80\xa2\n\nDescription of problem: If you think there is an error on your\nbill, describe what you believe is wrong and why you believe it\nis a mistake.\n\nYou must contact us:\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your Statement.\n\n\xe2\x80\xa2\n\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\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\nand you may have to pay the amount in question.\n\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 also will tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct\nthe error or explain why we believe the bill was correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you\nas delinquent on that amount.\n\n\xe2\x80\xa2\n\nThe charge in question may remain on your Statement, and we\nmay continue to charge you interest on that amount.\n\n\xe2\x80\xa2\n\nWhile you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\n\xe2\x80\xa2\n\nWe can apply any unpaid amount against your credit limit.\n\n47. NOTICE. See the statement below for important information\nregarding your right to dispute billing errors.\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice contains important information about your rights and\nour responsibilities under the Fair Credit Billing Act.\n\n38. NONTRANSFERABILITY. You may not transfer or assign your Account\nor Card without our prior written consent, which we may withhold in\nour sole discretion. We may sell, transfer or assign this Agreement and\nyour Account to a third party at any time without notifying you.\n12\n\nWhat to Do If You Find a Mistake on Your Statement\n\n13\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\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\n\xe2\x80\xa2\n\nIf we do not believe there was a mistake: You will have to pay\nthe amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe\nand the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\n14\n\nIf you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting\nthat you are questioning your bill. We must tell you the name of\nanyone to whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us.\n\nM-123295\n\nIf we do not follow all of the rules above, you do not have to pay the\nfirst $50 of the amount you question even if your bill is correct.\n\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to\npay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home State or\nwithin 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither\nof these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company\nthat sold you the goods or services.)\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 Customer Service, P.O. Box 31112,\nTampa, FL 33631-3112.\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\npay, we may report you as delinquent.\n\nPLATINUM VISA CREDIT CARD\nAGREEMENT AND\nDISCLOSURE\n\n\x0c1226 College Walk,Honolulu, HI 96817-3946\n\nHawaiiUSA Federal Credit Union\n\nHAWAIIUSA FEDERAL CREDIT UNION\n1226 College Walk, Honolulu HI 96817-3946\n\nPlatinum Visa Credit Card Agreement and Disclosure\nPart 1 of 2\n\nPlatinum Visa Credit Card Agreement and Disclosure\nPart 2 of 2\n1. GENERAL. The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d in this Platinum Visa Credit\nCard Agreement and Disclosure (\xe2\x80\x9cAgreement\xe2\x80\x9d) refer to each person\nwho as Applicant or Joint Applicant has asked us to open a Consumer\nPlatinum Credit Card Account in his or her name. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d\nand \xe2\x80\x9cHawaiiUSA\xe2\x80\x9d refer to HawaiiUSA Federal Credit Union. The word\n\xe2\x80\x9cStatement\xe2\x80\x9d means the periodic billing statement for your Account,\nwhich we will send you each month. \xe2\x80\x9cBilling Period\xe2\x80\x9d means the period\nof time covered by the Statement.\n\nInterest Rates and Interest Charges\nANNUAL\nPERCENTAGE RATE\n(APR) for Purchases\nAPR for\nBalance Transfers\nAPR for\nCash Advances\n\n10.90%\n10.90%\n10.90%\n\nPaying Interest\n\nYour due date is at least 25 days after the\nclose of each billing cycle. We will not charge\nyou interest on purchases and balance\ntransfers if you pay your entire balance by\nthe due date each month. We will begin\ncharging interest on cash advances on the\ntransaction date.\n\nFor Credit Card\nTips from the\nConsumer Financial\nProtection Bureau\n\nTo learn more about factors to consider\nwhen applying for or using a credit card,\nvisit the website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/\nlearnmore.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\nBalance Transfers\n\nCash Advances\n\nNone\n\nNone\n\nTransaction Fees\nForeign Transaction\n1.00% of each transaction\nLate Payment:\n\nPenalty Fees\n\nUp to $35 or 5% of delinquent amount, whichever is less\nReturned Payment:\nUp to $24\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage\ndaily balance (including new transactions).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and\nhow to exercise those rights is provided at the end of this Agreement,\nin Part 2 of 2\n1\n\nYou are asking that we: (1) open a consumer Platinum credit card\naccount at HawaiiUSA in your name (your \xe2\x80\x9cAccount\xe2\x80\x9d); (2) issue you\none or more VISA credit cards (\xe2\x80\x9cCard\xe2\x80\x9d) for your Account, in your\nname, or names, if a joint account; (3) allow you to purchase goods\nand services with your Card (your \xe2\x80\x9cPurchases\xe2\x80\x9d); (4) allow you to\nobtain cash advances using your Account (your \xe2\x80\x9cCash Advances\xe2\x80\x9d);\nand (5) allow you to make balance transfers using your Account\n(your \xe2\x80\x9cBalance Transfers\xe2\x80\x9d). You authorize us to pay and charge\nyour Account for all transactions (including Purchases, Convenience\nChecks, Cash Advances and Balance Transfers) made or obtained by\nyou or anyone you authorize to use your Card or Account (collectively,\n\xe2\x80\x9cTransactions\xe2\x80\x9d).\nYou will be obligated to pay all such Transactions charged to your\nAccount whether resulting from: (1) actual use of your Card; (2) mail\norder or telephone, computer, or other electronic transactions made\nwithout presenting the Card; or (3) any other circumstances where\nyou authorize a charge, or authorize someone else to make a charge,\nto your Account. \xe2\x80\x9cAccount Balance\xe2\x80\x9d means all authorized charges, plus\nany finance charges assessed on your Account, plus any other fees\nand charges which you owe to us under the terms of this Agreement.\nIn return, by accepting, signing or using your Card after receiving a\ncopy of this Agreement, you agree to be liable for all Transactions and\ncharges to your Account; you agree to the terms of this Agreement\nand any amendments to this Agreement; and you agree that it will\nbe binding upon you even if your Account is canceled or terminated.\n2. 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, the\ncost of consumer credit to a member of the Armed Forces and his\nor her dependents may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction\nor account: The costs associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit transaction;\nany application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation\nfee charged (other than certain participation fees for a credit card\naccount).\n3. CONSUMER ACCOUNT. You agree that your Account is for consumer\nuse only, and is established and to be used primarily for personal,\nhousehold, or family purposes. We do not have a duty to monitor\nyour Account for business use. If you use your Account for business\npurposes, you agree that the consumer protection provisions of this\nAgreement do not apply except to the extent required by law. We\nmay close your Account if we learn that you are using it for business\n2\n\npurposes. If you need a credit card account for business or commercial\nuse, please contact us to open a business credit card account.\n\n\xe2\x80\xa2\n\na $15.00 Replacement Card Fee for each Card that we issue\nto you as replacement for a lost, stolen or damaged Card,\npayable at the time your replacement Card is ordered for you;\n\n4. ACCOUNT USE. Your Account use is subject to this Agreement.\nAll Transactions are subject to our approval. You may use your\nCard to purchase goods and services in person, online, and by mail\nor telephone from merchants and others who accept Visa credit\ncards. In addition, you may obtain Cash Advances from HawaiiUSA,\nfrom other financial institutions or select merchants participating\nin the Visa program and from automated teller machines (ATMs)\nthat provide access to the Visa system. Not all merchants or ATMs\nprovide such access. You will need to use your Personal Identification\nNumber (PIN) to obtain a Cash Advance from an ATM. A PIN may be\nobtained by calling (888) 886.0083.\n\n\xe2\x80\xa2\n\na Returned Payment Fee of up to $24.00 each time a check\nyou use to make a payment is returned unpaid (however, the\nReturned Payment Fee will not exceed the amount of the\nminimum payment due);\n\nThis gives us the daily balance. Then, we add up all the daily balances\nfor the Billing Period and divide the total by the number of days in the\nBilling Period. This gives us the average daily balance.\n\n\xe2\x80\xa2\n\na $5 fee each time you request a copy of your billing Statement;\n\n\xe2\x80\xa2\n\na $20 fee per hour or fraction thereof for any research\nrequested;\n\nFrom time to time and at our discretion, we may offer introductory\nor promotional APRs for all or any part of your Account Balance,\nBalance Transfers or future transactions. The period of time for which\nthe introductory or promotional APR applies may be limited. Any\napplicable promotional APR, the corresponding periodic rates, and the\nperiod of time during which they are in effect will appear on the offer.\nAny introductory or promotional rate offer will be subject to the terms\nof the offer and this Agreement. Any introductory or promotional APR\nthat we may offer will be separately identified on your Statement as\nwell as the balances to which these APRs apply. Upon expiration of\nthe introductory or promotional APR, the APR will be adjusted to the\nstandard APR and will apply to all outstanding balances.\n\nIf you use an ATM not owned by us, you may be charged a fee by\nthe ATM operator or any ATM network used to complete the transfer\n(and you may be charged a fee for a balance inquiry even if you do\nnot complete a funds transfer). The fee will be debited from your\nAccount if you elect to complete the transaction or continue with the\nbalance inquiry.\nYou may also use your Account to transfer balances from other\ncreditors, provided that we approve your request.To make a Balance\nTransfer, contact any HawaiiUSA branch or obtain a Balance Transfer\nauthorization form from our website, http://hawaiiusafcu.com.\nIf you have or are later provided with a PIN, you must not give or\ndisclose your PIN to others. If you do so, all transactions by such\npersons will be deemed authorized by you. (See section below\nentitled RESPONSIBILITY.)\n5. CREDIT LIMIT: We assign a Credit Limit to your Account. Part of\nthis Credit Limit may be available for Cash Advances. Your Credit\nLimit will initially be disclosed in Your welcome letter and will be\nreflected on each periodic statement. You agree to manage your\nAccount so that your Account Balance (including fees and charges)\nis not more than your Credit Limit. However, if your Account Balance\nexceeds your Credit Limit, you are still obligated to pay us. We may\nincrease or decrease your Credit Limit at any time and we may notify\nyou of such increase or decrease by mail or through a statement\nsent to the primary accountholder\xe2\x80\x99s address of record, in accordance\nwith applicable legal requirements. If you object to any Credit Limit\nincrease, you must notify us immediately. You or any co-borrower\non the Account may request a change to the Credit Limit orally, in\nwriting, or electronically, but any such request must be approved by\nus. If your Credit Limit is increased, you are immediately responsible\nfor the new Credit Limit and any increase in the Account Balance\neven when it differs from an amount previously agreed to orally or\nin writing.\n6. ACCOUNT OPENING DISCLOSURE. Please refer to the Platinum\nVISA Credit Card Agreement and Disclosure, Part 1 of 2, distributed\nwith this Agreement, which contains rate, fee, and other cost\ninformation.\n7. ANNUAL MEMBERSHIP FEE. None.\n8. OTHER FEES. You also agree to pay us:\n\xe2\x80\xa2\n\na 1% foreign transaction fee (see section entitled FOREIGN\nTRANSACTION FEE AND CURRENCY CONVERSION RATE for\nmore information about our Foreign Transaction Fee and\ncurrency conversion rate);\n3\n\n\xe2\x80\xa2 A Late Payment Fee of up to $35 or 5% of the delinquent\namount, whichever is less, with respect to any Billing Period if\nthe Minimum Payment Due is not paid within ten (10) days after\nthe Payment Due Date. However, the Late Payment Fee will not\nexceed the amount of the Minimum Payment Due. For the first\nviolation in any seven consecutive monthly Billing Periods, the\nLate Payment Fee will not exceed $25. You will only have to pay\nthe Late Payment Fee once on the same late payment.\nYou authorize us to charge your Account for the fees due to us.\nYou understand and agree that we have the right, in our sole and\nabsolute discretion, to change the amount of fees that apply to your\nAccount, in accordance with applicable law.\n9. VISA NON-VARIABLE RATE PROGRAM. We use annual percentage\nrates (APRs) to calculate interest charges on your Account. Our Visa\nprogram is a non-variable rate program, which means that your APR\ndoes not increase or decrease except as otherwise provided for in\nthis Agreement.\n\nDetails about your\ninterest rates and\ninterest calculations\nPurchases\nBalance Transfers\nCash Advances\n\nPeriodic Rate\n\n0.9083% (M)\n\nCorresponding\nAnnual Percentage\nRate (APR)\n\n10.90%\n\n(M) = Monthly Periodic Rate. A monthly periodic rate is the APR\ndivided by 12.\n10. INTEREST CALCULATION\nInterest charges will be imposed on Transactions only if you elect\nnot to pay the entire Account Balance shown on your Statement by\nthe Payment Due Date. If you elect not to pay the entire Account\nBalance shown on your Statement by the Payment Due Date, interest\ncharges will be imposed on the unpaid Average Daily Balance of\nTransactions from the previous Statement closing date and on the\nnew Transactions from the date of posting to your Account during\nthe current Billing Period, and will continue to accrue until the\nclosing date of the Billing Period preceding the date on which the\nentire Account Balance is paid in full.\nWe calculate interest on your Account each Billing Period by applying\nthe Monthly Periodic Rate to the Average Daily Balance (including\nnew Transactions). The following explains how we do this. To get the\nAverage Daily Balance:\n\xe2\x80\xa2\n\nWe start with the beginning balance of your account each day.\n\n\xe2\x80\xa2\n\nWe add any new Transactions, fees and other charges.\n4\n\n\xe2\x80\xa2\n\nWe subtract any credits or payments credited as of that day\nand any unpaid interest or other finance charges.\n\n11. GRACE PERIOD.\nYou will not pay any interest on Purchases if you pay the Account\nBalance, including any Balance Transfers, in full by the Payment Due\nDate shown on your Statement each Billing Period. We call this a\ngrace period on Purchases. Generally you will have a 25-day grace\nperiod from the close of each Billing Period to pay the Account\nBalance without incurring additional interest. The Payment Due\nDate disclosed on each Statement provided to you is the last day\nof your grace period for that Statement\xe2\x80\x99s billing cycle. If you do not\npay the Account Balance, including any Balance Transfers, in full by\nthe Payment Due Date in a Billing Period, you will pay interest on\nyour Purchases from the date they are posted to your Account. You\nalso will not have a grace period on Purchases again until you pay\nthe Account Balance in full by the Payment Due Date two (2) Billing\nPeriods in a row.\nThere is no grace period on Cash Advances. This means you will pay\ninterest on Cash Advances from the date these transactions post to\nyour Account.\n12.\n\nPAYMENTS.\n\n(a) Minimum Payment. Every month, you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on\nyour Statement. The Minimum Payment Due will be either (1)\n2.5% of your Account Balance or $15.00, whichever is greater;\nor (2) your Account Balance if it is less than $15.00. In addition,\nyou must pay any amount past due, any late charge and any\namount over the Credit Limit.\nThough you need only pay the Minimum Payment Due, you have the\nright to repay your Account Balance at any time without penalty.\nYou must also pay on our demand the amount by which the Account\nBalance exceeds the credit limit that we set for your Account.\n(b) Time and Place for Payment. All VISA payments are to be\nmailed to:\nVISA\nP.O. BOX 79265\nCity of Industry, CA 91716-9265\n5\n\nPayments may also be made at any of our HawaiiUSA branches. You\nmust also follow the instructions below when making a payment. If\nyou do, we will credit the payment to your Account as of the day we\nreceive it.\n\xe2\x80\xa2\n\nWe must receive your payment on or before the Payment Due\nDate in order for your Account to be credited by the Payment\nDue Date.\n\n\xe2\x80\xa2\n\nYou must pay in U.S. Dollars.\n\n\xe2\x80\xa2\n\nYou must use a check or electronic debit issued by a financial\ninstitution in the U.S. (do not mail cash).\n\n\xe2\x80\xa2\n\nYou must not send us a check dated after the date that we\nreceive it.\n\n\xe2\x80\xa2\n\nYou must not enclose more than one check per envelope.\n\n\xe2\x80\xa2\n\nYou must not include any restrictive endorsements on the\ncheck.\n\n\xe2\x80\xa2\n\nYou must follow any additional payment instructions shown on\nyour Statement.\n\n(c) How Your Payments Will Be Applied. Minimum Payments\nwill be applied to your Account in the manner chosen by us\nsubject to applicable law. Any payment amounts above the\nMinimum Payment Due will be applied to balances subject\nto higher APRs and then to balances subject to lower APRs, in\ndescending order of APRs until all balances subject to an APR\nare paid in full.\n(d) Payments Marked \xe2\x80\x9cPaid In Full.\xe2\x80\x9d We may accept checks,\nmoney orders, or other types of payment marked \xe2\x80\x9cpayment\nin full\xe2\x80\x9d or using other language to indicate full satisfaction\nof any indebtedness without being bound by such language\nor waiving any rights under this Agreement. Full satisfaction\nof indebtedness shall be accepted by us only in a written\nagreement, signed by an authorized representative.\n13. PAYMENTS BY AUTOMATIC TRANSFER: By separate agreement,\nyou may authorize us to automatically transfer the Minimum\nPayment Due from your Credit Union savings or checking account.\nIf you request payment by automatic transfer, you understand and\nagree that no payment will be made if there are insufficient or\nuncollected funds in the designated savings or checking account\nto make the scheduled payment. Should this event occur, you\nunderstand and agree that you will not be released from making the\npayment. Any automatic transfer you have requested will remain\nin effect until you cancel it in writing or the Account Balance is paid\nin full. To stop a payment by automatic transfer, you may send us a\nletter requesting that the payment be stopped. Your letter must be\nreceived by HawaiiUSA Federal Credit Union, Attention: Card Services\nDepartment, 1226 College Walk, Honolulu, HI 96817, at least three\n(3) business days before the automatic payment is scheduled to\noccur. We may cancel this service at our discretion.\n14. RECURRING PAYMENTS: The use of your Account to make\npreauthorized electronic recurring bill payments constitutes an\n\xe2\x80\x9celectronic fund transfer\xe2\x80\x9d as defined by the federal Electronic Fund\nTransfer Act and Regulation E. You may be able to place a stop\npayment on a preauthorized electronic recurring bill payment in\naccordance with the terms of our Authorization Agreement for\nPreauthorized Payments. Any such stop payment order is subject\nto a Stop Payment Fee of $10.00 for each stop payment order you\ngive. A stop payment/revocation order does not release you from the\nobligation to pay for goods and services purchased from merchants.\n6\n\n15. RESPONSIBILITY. You agree to repay us according to the terms of\nthis Agreement for all Transactions, finance charges, late charges, and\nother fees arising from the use of the Account by you or any other\nperson you permit to use the Account, even if that person exceeds\nyour permission. You must not give anyone else possession of your\nCard, PIN, or other authority to make transactions on your Account.\nYou cannot disclaim responsibility by notifying us, although we will\nclose the Account if you so request and you will return all Cards to us.\nYour obligation to pay the Account Balance continues even though an\nagreement, divorce decree, or other court judgment to which we are\nnot a party may direct you or one of the other persons responsible to\npay the Account.\n16. JOINT ACCOUNTS If this is a joint Account, each of you will\nbe individually and jointly responsible for paying all amounts owed\nunder this Agreement. This means that we can require any one of\nyou individually to repay the Account Balance. Each of you authorizes\nthe other to make Transactions individually. Any one of you may close\nthe Account and such closure will be effective as to all of you. You\nagree that all notices regarding the Account may be sent solely to the\ncardholder whose name and address appears on our billing records.\nIf this is a joint account, neither party can be released from his or\nher obligations except upon HawaiiUSA\xe2\x80\x99s approval. Cards remain our\nproperty and you must recover and surrender to us all Cards upon our\nrequest and upon termination of this Account.\n17. ACCOUNT USE BY AUTHORIZED USERS: You may request to add\none or more Authorized Users to your Account. If we approve your\nrequest, use of your Account by an Authorized User is subject to the\nterms of this Agreement. You must:\n\nobtain from you, any Authorized User and others. It also includes\ninformation about their Transactions on the Account.\nCREDIT REPORTING: We report information about this Account to\nConsumer Reporting Agencies in the Authorized User\xe2\x80\x99s name that may\nappear on their credit report. This could include information about:\n\xe2\x80\xa2 Late Payments;\n\xe2\x80\xa2 Returned Payments;\n\xe2\x80\xa2 Over-the-credit-limit amounts; and\n\xe2\x80\xa2 Other violations of this Agreement.\nYou understand and agree that you must let each Authorized User\nknow that we report Account information in his or her name.\n18. INTERNET (ONLINE) TRANSACTIONS. We subscribe to Verified\nby Visa (VbV). VbV is an enhancement that improves the security of\nPurchases made via the Internet by enabling us to verify your Account\nownership during online purchases by using a password. VbV only\nrelates to Internet Purchases from merchants that also participate in\nVbV. If you make Purchases through the Internet, you may register\nyour Card at www.visa.com, where you will be asked to enter account\ninformation and personal data for identity confirmation. You will\nbe able to shop at participating VbV Internet merchants with no\nchanges to the shopping or checkout process. Should you shop at a\nVbV participating Internet merchant and have not yet registered your\nCard, you may be required to register with VbV before completing\nthe transaction.\n\n\xe2\x80\xa2\n\nObtain permission from each Authorized User before naming\nhim or her as an Authorized User on your Account.\n\n19. FOREIGN TRANSACTION FEE AND CURRENCY CONVERSION RATE.\n\n\xe2\x80\xa2\n\nMake a copy of this Agreement available to each Authorized\nUser.\n\n\xe2\x80\xa2\n\nPay us for all charges incurred by each Authorized User.\n\n\xe2\x80\xa2\n\nNotify us to remove an Authorized User from your Account. If\nwe remove an Authorized User, we may close your Account,\nopen a new Account, and issue you a new Card.\n\n(a) Foreign Transaction Fee. A fee of 1% of the amount of the\ntransaction, calculated in U.S. dollars, will be imposed on all\nforeign transactions, regardless of whether the transaction\ninvolves a currency conversion, including Purchases, Cash\nAdvances and credits to your Account. A foreign transaction is\nany transaction that you complete or a merchant completes on\nyour Card outside of the United States, with the exception of U.S.\nmilitary bases, U.S. territories, U.S. embassies, or U.S. consultants.\n\nWe may limit the number of Authorized Users on your Account.\nYou are responsible for:\n\xe2\x80\xa2\n\nAny Transactions made by an Authorized User on your Account.\n\n\xe2\x80\xa2\n\nAny Transaction made by an Authorized User even if the postdate shown on your periodic statement for that Transaction\noccurs after the date you ask us to remove the Authorized User\nfrom your Account.\n\n\xe2\x80\xa2\n\nAny Transactions made by others if an Authorized User allows\nthem to use your Account.\n\n\xe2\x80\xa2\n\nFees and charges resulting from any Transactions made by an\nAuthorized User or others if an Authorized User allows them to\nuse your Account.\n\nINFORMATION ABOUT AUTHORIZED USERS: You agree to give us\ncertain personal information about each Authorized User. You must\nlet each one know that you will give us that information and you\nmust have his or her permission to do so. You must have permission\nfrom each one to allow us to share information about him or her\nas permitted by applicable law. This includes information we may\n7\n\n(b) Currency Conversion Rate. Transactions will be billed to your\nAccount in U.S. dollars. The conversion to U.S. dollars will be\nmade in accordance with the Visa operating regulations for\ninternational transactions. The conversion rate to dollars will\nbe at (i) the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which\nrate may vary from the rate Visa itself receives, or (ii) the\ngovernment mandated rate, whichever is applicable, in effect\nfor the applicable central processing date, in each instance,\nplus or minus any adjustments determined by the issuer. The\nconversion rate may be different from the rate on the day the\ntransaction took place or the date the transaction posted.\n20. PROHIBITION AGAINST USING ACCOUNT FOR MARGIN STOCK.\nYou agree that you will not use the Account to purchase or carry\nmargin stock (as defined in Federal Reserve Board regulations).\n21. ILLEGAL ACTIVITY. You agree not to use your Card or Account,\ndirectly or indirectly: (1) in a manner that would constitute a\ncrime under local, state or federal law, or in any illegal activity or\ntransaction, including without limitation any \xe2\x80\x9cracketeering activity\xe2\x80\x9d\nas defined in 18 USC \xc2\xa7 1961; or (2) for any gambling, gaming, betting,\n8\n\n\x0c'