b'PRIORITY REWARDSSM CREDIT CARD AGREEMENT\n(Priority Banking)\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n14.24%\n\nAPR for Cash Advances\n\n18.00% Fixed\n\nPenalty APR and When it\nApplies\n\n18.00% Fixed\nThis APR may be applied to your Credit Card account if you make a late payment.\n\nThis APR will vary with the market based on the U.S. Prime Rate.\n\nHow Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six\nconsecutive Minimum Payments when due.\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on Purchases if you pay your entire New Balance by the Payment Due Date each\nmonth. We will begin charging interest on Cash Advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Foreign Transaction\n\n3% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $40\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new Purchases).\xe2\x80\x9d\nSee the paragraph of this Agreement titled \xe2\x80\x9cComputing Your Interest Charge\xe2\x80\x9d for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in this\nAgreement.\nSEE NEXT PAGE FOR IMPORTANT INFORMATION ABOUT YOUR ACCOUNT.\n\nPR \xe2\x80\x93 Priority and World\n\nPage 1 of 5\n\nRev. Date 06/01/20\n\n\x0cThis Priority Banking Priority Rewards Credit Card Agreement\n(\xe2\x80\x9cAgreement\xe2\x80\x9d) will cover any Platinum Mastercard\xc2\xae, Platinum Visa\xc2\xae, World\nMastercard or World Elite Mastercard account (individually or collectively\ncalled \xe2\x80\x9cCredit Card account\xe2\x80\x9d) you have with us. By requesting or accepting\na Credit Card account, you agree to be bound by all the terms of this\nAgreement. In this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cyour\xe2\x80\x9d mean everyone\nwho has requested or accepted a Credit Card account with us. The words\n\xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d or \xe2\x80\x9cBank\xe2\x80\x9d mean First Hawaiian Bank.\n1. Use. Your Platinum Mastercard, Platinum Visa card, World Mastercard\nor World Elite Mastercard (individually or collectively called \xe2\x80\x9cCard\xe2\x80\x9d) may be\nused as a credit card for purchases of goods or services from participating\nmerchants (\xe2\x80\x9cPurchases\xe2\x80\x9d) or to get Cash Advances from us or any other\nfinancial institution displaying the \xe2\x80\x9cMastercard\xe2\x80\x9d or \xe2\x80\x9cVisa\xe2\x80\x9d logo, or to\npurchase certain items such as traveler\'s cheques, foreign currency, money\norders, wire transfers, lottery tickets, or (except as noted below) funds to be\nused for wagers or gambling (all of which are collectively referred to as\n\xe2\x80\x9cCash Advances\xe2\x80\x9d) up to your Credit Limit/Revolve Line.\nYou can also obtain a Cash Advance by writing a special check\n(\xe2\x80\x9cConvenience Check\xe2\x80\x9d), which accesses the available Cash Advance limit\non your Credit Card account. Convenience Checks are available from us\nupon request, or we may periodically provide Convenience Checks as a\nspecial promotion. If you use a Convenience Check available upon request,\nall of the terms of this Agreement applicable to Cash Advances will apply to\nthe Convenience Check. If we offer a special promotion, we will explain to\nyou any special terms of the use of the Convenience Checks. The Cash\nAdvance from a Convenience Check will be posted to your Credit Card\naccount when the Convenience Check reaches us. The Convenience\nCheck fee described on page 1 of this Agreement will be imposed on each\nConvenience Check you write. If you stop payment on a Convenience\nCheck, your Credit Card account will be charged the fee shown in the\nparagraph of this Agreement called \xe2\x80\x9cOther Fees."\nFrom time to time we may offer a special balance transfer promotion,\nwhich is an opportunity to make a Cash Advance to pay the balance on\nanother loan you have, by transferring the other loan balance to your Credit\nCard account. If we offer a balance transfer promotion, at that time we will\nexplain to you the terms of the promotion. Unless we tell you otherwise, all\nthe references in this Agreement to balance transfers will apply to any\nspecial balance transfer promotion offered.\nYour Card may also be used in certain automated terminals to gain\naccess to your First Hawaiian Bank checking, savings, and Credit Card\naccounts.\nYour Card and Credit Card account may be used only for valid and\nlawful purposes. You may not use your Card (i) to make Purchases or\nobtain Cash Advances for any illegal transaction, or (ii) for any internet or\nonline gambling transactions. Transactions for online or internet gambling\nwill not be approved. If you use your Card for any illegal or prohibited\ntransaction, this Agreement also applies to such transaction and you agree\nto pay any and all amounts related to such transaction pursuant to the\nterms of this Agreement. We may, in our sole discretion, restrict the use of\nor terminate your Card if we notice excessive use of your Card or other\nsuspicious activities or if we reasonably believe the Card is or has been\nused for one or more illegal or prohibited transactions.\nWe have no responsibility for the failure of any machine, merchant,\nfinancial institution, or any other party to honor your Card. If you use, or\nallow someone else to use the Card or Credit Card account for any other\npurpose, you will be responsible for such use and may be required to\nreimburse us for all amounts or expenses we pay as a result of such use.\n2. Special Priority Rewards Program. The Priority Rewards Program\n(the "Program") is the reward benefits program established and maintained\nby Bank with redemption services provided by a third party provider\nselected by Bank. In addition to the other terms and conditions of this\nAgreement, the terms and conditions set forth in the Priority Rewards\nProgram Agreement provided to you with this Agreement shall also apply to\nyour Card.\nBank reserves the right to terminate the Program or to change the\nterms and conditions of the Program at any time without prior notice. This\nmeans Bank may change, among other things, the rules regarding\nredemption of points, or the restrictions on the use of rewards. Bank also\nhas the right to add or delete benefits and services to your Credit Card\naccount at any time.\n3. Credit Limit/Revolve Line. We will notify you of your Credit\nLimit/Revolve Line for each Credit Card account you have with us, which is\nthe total amount of credit we agree to extend to you at any one time. Your\nCredit Limit/Revolve Line will also include a separate limit for Cash\nAdvances. Your Credit Limit/Revolve Line and Cash Advance limit are\nlisted on your monthly periodic statement.\nYour available Credit\nLimit/Revolve Line is the amount of your total Credit Limit/Revolve Line\nminus the sum of your New Balance, any authorized Purchases, Cash\nAdvances and Balance Transfers that have not posted to your Account, and\nany payments that have not cleared. You may apply to increase your\nCredit Limit/Revolve Line, and we reserve the right to lower it without prior\nnotice to you.\nYou agree that you will not let your total charges, including Purchases,\nCash Advances, FINANCE CHARGES (including but not limited to interest,\nForeign Transaction Fees, Cash Advance, Balance Transfer and\nConvenience Check Transaction Fees), late charges, membership fees,\nand other fees that may be due, exceed your Credit Limit/Revolve Line. If\nyou exceed your Credit Limit/Revolve Line, you will be considered to have\nexceeded your Credit Limit/Revolve Line for all purposes of the Agreement,\nand we may reduce the available Credit Limit/Revolve Line of any other\nCredit Card account you have with us until such time as the excess amount\nis paid.\nYou are responsible for keeping track of your New Balance and your\navailable Credit Limit/Revolve Line. We may but are not required to\napprove transactions above your Credit Limit/Revolve Line up to a certain\npercentage of your Credit Limit/Revolve Line which we establish from time\nto time for you based on our established evaluation criteria. If we do\napprove those transactions, those transactions will not increase your Credit\nLimit/Revolve Line. You are responsible for repaying all over-limit amounts\nand FINANCE CHARGES will be assessed on those amounts.\nFor security reasons, we may limit the number or amount of Purchase,\nPR \xe2\x80\x93 Priority and World\n\nCash Advance and/or Convenience Check transactions that may be\naccomplished with your Card or Credit Card account. We may also limit\nauthorizations to make Purchases or obtain Cash Advances if we consider\nit necessary to verify collection of Payments received on your Credit Card\naccount.\nWorld/World Elite Mastercard Revolve Line. Amounts over your\nRevolve Line may be referred to as a non-revolving line. The Revolve Line\nis the maximum amount upon which you may defer payment on your\naccount, subject to the minimum required payment that must always be\npaid on time. There is no pre-set spending limit for your account. With no\npre-set spending limit, you have the flexibility to make purchases in excess\nof your stated Revolve Line. However, having a no pre-set spending limit\ndoes not mean unlimited spending. Instead, each charge is evaluated\nbased on the spending and payment patterns on the account, merchant\ntype, information from consumer credit reports obtained from credit bureaus\nincluding your experience with other creditors, and our understanding of\nyour resources. Without limiting the foregoing, we may also decline an\nauthorization request for any transaction at any time as described in the\nparagraph of this Agreement called "Authorizing Transactions." We may\nalso request additional information from you at any time to evaluate a\ntransaction request or your use of the account in general. In addition, all of\nthe provisions above in this section apply. Your World/World Elite\nMastercard account may provide additional benefits and features and may\nhave additional charges that will be described in separate documentation\nfor the World/World Elite Mastercard program, all of which is incorporated\nby this reference. You authorize us to enroll you in benefits and programs\nthat we may offer from time to time associated with your account, including\nwithout limitation benefits and programs that we offer exclusively to holders\nof World/World Elite Mastercard accounts. Accessing some of the benefits\nand services under the World/World Elite Mastercard program may involve\ncharges to your account. You are responsible for all such charges, even if\nyour account has been closed for any reason.\n4. Temporary Reduction of Credit Limit/Revolve Line. Merchants, such\nas car rental companies and hotels, may request prior credit approval from\nus for an estimated amount of your Purchases, even if you ultimately do not\npay by credit. If our approval is granted, your available Credit Limit/Revolve\nLine will temporarily be reduced by the amount authorized by us. If you do\nnot ultimately use your Credit Card account to pay for your Purchases or if\nthe actual amount of Purchases posted to your Credit Card account varies\nfrom the estimated amount approved by us, it is the responsibility of the\nmerchant, not us, to cancel the prior credit approval based on the estimated\namount. The failure of the merchant to cancel a prior credit approval may\nresult in a temporary reduction of your available Credit Limit/Revolve Line,\nbut will not increase the amount you owe us under this Agreement.\n5. Agreement to Pay. When you use your Card or Credit Card account,\nor when you permit anyone to use it, you agree to pay the amount of any\nand all Purchases or Cash Advances (including Purchases and/or Cash\nAdvances which may have been made in violation of this Agreement),\nFINANCE CHARGES (including but not limited to interest, Foreign\nTransaction Fees, Cash Advance, Balance Transfer and Convenience\nCheck Transaction Fees), late charges, membership fees, and other fees\nthat may become due as shown on the periodic statement. If we accept a\npayment from you in excess of your outstanding balance, your available\nCredit Limit/Revolve Line will not be increased by the amount of the\noverpayment nor will we be required to authorize transactions for an\namount in excess of your Credit Limit/Revolve Line.\n6. Periodic Statement. Each month we will send you a periodic\nstatement for each Credit Card account you have with us covering the\nprevious billing period. We may not send you a statement if your balance is\nzero and there were no transactions during the billing period. The statement\nwill have a \xe2\x80\x9cStatement Closing Date\xe2\x80\x9d and a \xe2\x80\x9cPayment Due Date,\xe2\x80\x9d and will\nshow, among other things, your \xe2\x80\x9cPrevious Balance,\xe2\x80\x9d your \xe2\x80\x9cNew Balance,\xe2\x80\x9d\nand your minimum monthly payment, which will be shown as \xe2\x80\x9cMinimum\nPayment Due.\xe2\x80\x9d The periodic statement is part of this Agreement. If you\nchoose to receive periodic statements electronically, the statements will be\ndeemed to have been sent to you when they are first made available for\nyou to view online.\n7. Payment. You must make a payment by the \xe2\x80\x9cPayment Due Date.\xe2\x80\x9d You\nhave two choices: You may pay the entire \xe2\x80\x9cNew Balance\xe2\x80\x9d or you may pay in\ninstallments by paying at least the \xe2\x80\x9cMinimum Payment Due.\xe2\x80\x9d All payments\nmust be made in the lawful money of the United States of America. When\nyour payment is properly received, we will apply your Minimum Payment as\npermitted by law. If you make a payment in excess of the Minimum\nPayment, the excess amount will be applied first to your balance with the\nhighest ANNUAL PERCENTAGE RATE. Any remaining amount of your\nexcess payment will be applied to the balance with the next highest\nANNUAL PERCENTAGE RATE, and so on. Upon confirmation of\ncollection, we will add any Cash Advances or Purchases repaid to your\navailable Credit Limit/Revolve Line; however, in the event of payment by\npersonal or business check, we may delay replenishing your available\nCredit Limit/Revolve Line until your check clears. This means that you may\nnot have access to all or part of the Credit Limit/Revolve Line until we have\ncollected the funds by which you have made payment on the account. If\npayments are made by certified or cashier\xe2\x80\x99s check, electronic funds\ntransfer, automated clearing house, or other means that provide immediate\ncollected funds, we may waive the right to delay restoration of the Credit\nLimit/Revolve Line.\nPayments must be mailed to the BankCard Center address specified in\nyour statement. Payments must reach our BankCard Center by 5:00 p.m.\nHST during our regular business day in order to be credited on that date.\nPayments received after the cutoff time of 5:00 p.m. HST will be credited as\nof the following business day. If you make a payment in person at our\nbranches with the assistance of a branch employee prior to regular closing\ntime for the branch, the payment will be credited as of the date received. If\nyou make a payment by any means other than by mail to our BankCard\nCenter (including payments made by using FHB Online), crediting of your\npayment may be delayed.\nFrom time to time, we may let you skip or reduce one or more monthly\npayments during a year and/or we may temporarily reduce or eliminate\ncertain FINANCE CHARGES on all or a portion of your Credit Card account\nbalance or offer you other special terms. If we do, we will advise you of the\n\nPage 2 of 5\n\nRev. Date 06/01/20\n\n\x0cscope and duration of the applicable skip or promotional feature. When the\nskip or promotional feature ends, your regular rates and all the terms of the\nAgreement will resume.\n8. Minimum Payment\xe2\x80\x93Late Charge. At least the amount of the\n\xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d must be received by us by the \xe2\x80\x9cPayment Due\nDate.\xe2\x80\x9d If it is not, we may apply the late charge shown on page 1 (if\npermitted by law), unless such charge would result in an interest charge\ngreater than the maximum allowable by law, in which case we will only\ncharge the maximum allowable rate. The \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d will\ninclude the amount calculated by using the table shown below, and will also\ninclude any amount past due on your account. Your statement will include\nthe past due amounts as part of the \xe2\x80\x9cMinimum Payment Due.\xe2\x80\x9d\n\xe2\x80\x9cNew Balance\xe2\x80\x9d\n$ 0.01 \xe2\x80\x93 $24.99\n$25.00 or more\n\n\xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d\nEntire \xe2\x80\x9cNew Balance\xe2\x80\x9d\n$25 or 3% of \xe2\x80\x9cNew Balance\xe2\x80\x9d,\nwhichever is greater\n\n9. When You Must Pay to Avoid Interest Charges. There may be\ndifferent treatment of interest charges for Purchases and Cash Advances,\neven though they are computed the same way. You may avoid paying an\ninterest charge on Purchases if you pay the entire New Balance early\nenough to reach us by the Payment Due Date. If we do not receive the\nentire New Balance by the Payment Due Date, the interest charge will be\ncharged on Purchases from the date of the transaction. Interest charges on\nCash Advances begin on the transaction date of each Cash Advance and\nwill be assessed even if your entire New Balance is paid by the Payment\nDue Date.\n10. Computing Your Interest Charge. We figure the interest charge on\nyour account by applying the periodic rate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of\nPurchases and \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances, including\ncurrent transactions.\na. Average Daily Balance. To get the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of\nPurchases, we take the beginning balance of your Credit Card account\neach day, add any new Purchases, and subtract any Cash Advances,\npayments, or other credits which were applied to Purchases, unpaid\nFINANCE CHARGES, late charges, membership fees, and other fees.\nIf you paid the Purchases balance in full by the Payment Due Date in\nthe previous billing cycle, in the current billing cycle we will credit\npayments otherwise applicable to Purchases based on our allocation\nmethod as of the first day of the current billing cycle. These\ncomputations give us the Purchases daily balance. To get the \xe2\x80\x9cAverage\nDaily Balance\xe2\x80\x9d of Cash Advances, we take the beginning balance each\nday, add any new Cash Advances, and subtract any Purchases,\npayments, or other credits which were applied to Cash Advances,\nunpaid FINANCE CHARGES, late charges, membership fees, and\nother fees. This gives us the Cash Advances daily balance. Then we\nadd up all of the Purchases or Cash Advance daily balances for the\nbilling period and divide each total by the number of days in the billing\nperiod. This gives us the \xe2\x80\x9cAverage Daily Balances.\xe2\x80\x9d\nb. Figuring the Interest Charge. We compute the interest charge by\nmultiplying these Average Daily Balances by the Daily Periodic Rate,\nand then we multiply the result by the number of days in the billing\nperiod. To determine the Daily Periodic Rate, we divide the ANNUAL\nPERCENTAGE RATE in effect for the billing period by 365.\nYour\nCredit Card account is made on a Variable Rate basis for Purchases,\nand the ANNUAL PERCENTAGE RATE and Daily Periodic Rate for\nPurchases are described in the paragraph of this Agreement below\ncalled \xe2\x80\x9cVariable Rate.\xe2\x80\x9d The Daily Periodic Rate for Cash Advances is a\nFixed Rate of .0493%, which is equivalent to an ANNUAL\nPERCENTAGE RATE of 18.00%.\nc. Variable Rate. The current ANNUAL PERCENTAGE RATE for\nPurchases is shown on page 1 of this Agreement. The Daily Periodic\nRate for Purchases is .0390%. The Daily Periodic Rate and the\ncorresponding ANNUAL PERCENTAGE RATE may change (by\nincreasing or decreasing) on the first day of each of your billing cycles\nthat begin in March, June, September, and December. Each date on\nwhich the rate of interest could change is called a \xe2\x80\x9cChange Date.\xe2\x80\x9d\nChanges will be based on changes in the \xe2\x80\x9cIndex.\xe2\x80\x9d The Index is the\nhighest U. S. Prime Rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The\nWall Street Journal on the last business day of the calendar month prior\nto the month in which the Change Date occurs. The most recent Index\nis called the \xe2\x80\x9cCurrent Index.\xe2\x80\x9d If the Index is no longer available, we will\nchoose a new Index based upon comparable information and will give\nyou notice of our choice. Your interest rate for Purchases is based on a\nvariable rate equal to the sum of the Current Index plus a \xe2\x80\x9cRate Spread\xe2\x80\x9d\nof 10.99 percentage points. (The Rate Spread is also called the\nMargin.) Immediately before each Change Date we will determine the\nnew interest rate for Purchases by adding the Rate Spread to the\nCurrent Index. For example, if the Current Index was 3.25% and the\nRate Spread 10.99, the ANNUAL PERCENTAGE RATE would be\n14.24% and by dividing this percentage figure by 365, we would\ncompute a Daily Periodic Rate of .0390%. The new interest rate for\nPurchases will become effective at the start of your first billing cycle\nafter the Change Date. The ANNUAL PERCENTAGE RATE will not\nexceed the maximum rate permitted by law. The effect of any increase\nin the ANNUAL PERCENTAGE RATE and the Daily Periodic Rate for\nPurchases would be to increase the amount of interest you must pay\nand thus increase your monthly payments.\nd. Introductory and Promotional Rates. At our discretion, we may\noffer you an introductory or promotional ANNUAL PERCENTAGE RATE\nfor your Credit Card account. For example, we may offer you an\nintroductory ANNUAL PERCENTAGE RATE for Purchases when you\nopen your Credit Card account, or a promotional ANNUAL\nPERCENTAGE RATE for Balance Transfers. The time period for which\nthe introductory or promotional ANNUAL PERCENTAGE RATE applies\nmay be limited. Any introductory or promotional ANNUAL\nPERCENTAGE RATE offer will be subject to the terms of the offer and\nthis Agreement, including but not limited to the Penalty APR described\nin the paragraph of this Agreement called \xe2\x80\x9cDefault\xe2\x80\x9d. We will provide you\nwith information on the offer, including the time period the introductory\nor promotional ANNUAL PERCENTAGE RATE is in effect in the\nPR \xe2\x80\x93 Priority and World\n\ndocuments that accompany your Credit Card or in the materials we\nsend you about the offer after you receive your Credit Card.\ne. Military Lending Act Disclosures. Federal law provides important\nprotections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent.\nThis rate must include, as applicable to the credit transaction or\naccount; the costs associated with credit insurance premiums; fees for\nancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specified\ncredit transactions or accounts); and any participation fee charged\n(other than certain participation fees for a credit card account).\nAdditional oral disclosures are available at 1-877-640-2337.\n11. Minimum Interest Charge. If the interest charge for all balances on\nyour Credit Card account is less than $1.00, we will charge you the\nMinimum Interest Charge shown on page 1. This charge is in lieu of any\ninterest charge.\n12. Foreign Transaction Fee. If you make a Purchase or Cash Advance\nin a foreign currency, it will be billed to you in U.S dollars. You will be billed\nthe foreign transaction fee for these Purchases and Cash Advances made\nin foreign currency in the amount shown on page 1. This fee, which is a\nFINANCE CHARGE, is not a foreign currency conversion charge and is not\nbased on our exchange cost.\n13. Other Transaction Fees. We will charge your Credit Card account\nwhen appropriate the Cash Advance and Convenience Check fees shown\non page 1, each of which are FINANCE CHARGES. Each of these fees will\nbe added to your Credit Card balance when charged.\n14. Other Fees. You also agree to pay us the appropriate fees listed below\nand shown on page 1, which may be amended from time to time by us. You\nauthorize us to charge your Credit Card account (or the account from which\nyou obtained money or information in the case of an automated terminal\ntransaction) for fees due to us. We reserve the right to waive these fees\nfrom time to time. If we incur special expenses on your Credit Card account\ndue to a request made by you, we may also charge you for these expenses.\nAutomated Teller Machine (ATM) Transaction Fees\n(For cards with ATM deposit account access)\nAt a First\nAt a Network\nHawaiian ATM\nATM\n\xe2\x80\xa2 Deposit Account Withdrawal\nN/C\n$3.00\n\xef\x82\xa8 Domestic\nN/A\n$5.00\n\xef\x82\xa8 International\nN/C\n$1.00\n\xe2\x80\xa2 Balance Inquiry\n$1.50\nN/A\n\xe2\x80\xa2 Checking Account Statement\nNote: N/C = No Charge; N/A = Not Applicable; Domestic = at an ATM in\nCanada, U.S. and its protectorates and territories, including Guam and the\nCommonwealth of the Northern Mariana Islands (CNMI).\nPayable at Time of Request\n\xe2\x80\xa2 Mastercard or Visa Temporary Replacement Card\nissued by Mastercard International or Visa Travel\nService Center. Temporary card is good for\napproximately 1 month and cannot be used in ATMs\n\xef\x82\xa8 Domestic Fee:\n\xef\x82\xa8 International Fee:\n\xe2\x80\xa2 Emergency Cash Advance issued by Mastercard\nInternational or Visa Travel Service Center is limited\nto $1,000 or your available credit limit/Revolve Line,\nwhichever is less.\n\xe2\x80\xa2 Copy of Sales Draft\n\xe2\x80\xa2 Research Fee\n\xe2\x80\xa2 Statement Copy Fee\n\xe2\x80\xa2 Convenience Check Stop Payment Order/Return\nConvenience Check Fee\n\xe2\x80\xa2 Listing in Combined Warning Bulletin Per Region\n\n$ 95.00\n$125.00\n$ 50.00\n\n$ 5.00\n$ 20.00/hour\n$ 5.00\n$ 16.00\n$ 10.00\n\nPayable at Time of Delivery\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nReplacement Card issued by First Hawaiian Bank\nReturned Payment Check (due to insufficient\nfunds, stop payment order on your check, etc.)\n\n$ 20.00\nUp to $35\n\n15. Authorizing Transactions.\nWe reserve the right to decline a\ntransaction on your account for any reason including but not limited to\noperational considerations, your account being in default, or we suspect\nfraudulent or unlawful activity. We are not responsible for any losses\nincurred if a transaction on your account is declined for any reason, either\nby us or a third party, even if you have sufficient credit available.\n16. Credit Insurance is Optional. If you choose to purchase credit\ninsurance, the premiums will be computed on the Average Daily Balance of\nPurchases and Cash Advance, including finance and other charges, up to\n$5,000. The cost for credit insurance is 65\xc2\xa2 per $100 of your average daily\nbalance of Purchases and Cash Advances. During months when you have\nno balances, there is no charge. Credit insurance premiums will be added\nto your Credit Card account as Purchases.\n17. Default. We may declare the entire balance for all Credit Card\naccounts due and payable at once with or without notice or demand if any\nof these events (a \xe2\x80\x9cDefault\xe2\x80\x9d) happens:\na. If you miss a payment under this Agreement or any other obligation\nyou owe us; or\nb. If you violate any terms of this Agreement.\nIf you are in Default, we may terminate your Credit Card account, make\nno more additional loans or advances, and require you to immediately\nrepay the entire unpaid balance of all amounts due on your Credit Card\naccount, including but not limited to all loan amounts, late charges and\nother charges assessed but not paid, and all of the FINANCE CHARGES\naccrued but not paid. If we terminate your Credit Card account, your\nobligation to repay the amounts you already owe us would continue.\nAt our option, we may also take action short of terminating your Credit\nCard account. If your required Minimum Payment (shown on your periodic\n\nPage 3 of 5\n\nRev. Date 06/01/20\n\n\x0cstatement as \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d) is not received within 60 days of the\npayment due date, we may increase your ANNUAL PERCENTAGE RATE\nfor Purchases and Cash Advances and any applicable promotional rates to\na .0493% Daily Periodic Rate and an ANNUAL PERCENTAGE RATE\n(\xe2\x80\x9cPenalty APR\xe2\x80\x9d) of 18.00% fixed for the entire outstanding balance. We will\nsend you advance written notice that your ANNUAL PERCENTAGE RATE\nwill be increasing. Your payments under this Agreement, including the\namount of the FINANCE CHARGE, will increase as a result of the increase\nin your Daily Periodic Rate and ANNUAL PERCENTAGE RATE, and any\nsuch increase in your Daily Periodic Rate and ANNUAL PERCENTAGE\nRATE will be shown on your periodic statement. We will reinstate your Daily\nPeriodic Rate and ANNUAL PERCENTAGE RATE to the rate set forth in\nthis Agreement once you have made six consecutive Minimum Payments\non or before the due date, starting with the first billing cycle after the\nPenalty APR is imposed. If we take such lesser action initially, we reserve\nthe right to terminate your Credit Card account and accelerate all amounts\ndue under this Agreement regardless of whether any additional events have\noccurred that would permit termination and acceleration.\nIf you have a World/World Elite Mastercard and fail to comply with any\nof the special terms in this Agreement applicable to the World/World Elite\nMastercard account, you will be in Default under this Agreement and we will\nhave all of the rights set forth in this Agreement as a result of the Default.\nIn addition to all of those rights, we may in our sole and absolute discretion\nconvert your World/World Elite Mastercard account to any other type of\naccount that we may offer. Any such conversion may cause the elimination\nof the benefits associated with the World/World Elite Mastercard account\nwithout prior notice to you.\n18. Automated Terminal Services Involving Your Checking or Savings\nAccount. (Some of these services are only available if your Credit Card\naccount is linked to your checking or savings account with us.)\na. Automated Terminals. You may use your Card in the following\nautomated terminals:\ni. Our First Hawaiian automated teller machines (\xe2\x80\x9cFirst Hawaiian\nATM\xe2\x80\x9d).\nii. Any other automated teller machine (including any ATM we\nmay own besides First Hawaiian ATM) that is participating in a\nnetwork and accepts our Card (\xe2\x80\x9cNetwork ATM\xe2\x80\x9d) and\niii. Any point-of-sale terminal that accepts our Card (\xe2\x80\x9cPOS\nterminal\xe2\x80\x9d).\nb. Services Available at an Automated Terminal.\ni. You may use your Card at a First Hawaiian ATM to:\n\xe2\x80\xa2\nWithdraw cash from your checking or savings account.\n\xe2\x80\xa2\nMake deposits to your checking or savings account.\n\xe2\x80\xa2\nMove funds between your checking and savings\naccounts.\n\xe2\x80\xa2\nGet your checking, savings, or Credit Card account\nbalances. These balances may not include some\ntransactions recently made in your account.\n\xe2\x80\xa2\nMove funds from your Credit Card account to your\nchecking account.\n\xe2\x80\xa2\nGet a Cash Advance from your Credit Card account.\n\xe2\x80\xa2\nGet an interim statement printout of all posted\ntransactions on your checking account since the last\nregular statement period up to the previous business\nday.\nii. You may use your Card at any Network ATM to (some of these\nservices may not be available at all Network ATMs):\n\xe2\x80\xa2\nWithdraw cash from your checking or savings account.\n\xe2\x80\xa2\nGet a Cash Advance from your Credit Card account.\n\xe2\x80\xa2\nGet your checking, savings, or Credit Card account\nbalances. These balances may not include some\ntransactions recently made in your account.\niii. You may use your Card at a POS terminal to purchase certain\nmerchandise. The amount of your purchase will automatically\nbe charged to your Credit Card account as a Purchase.\nc. Limits of Automated Terminal Services.\ni. Withdrawals and Cash Advances. You may withdraw cash or\nget a Cash Advance from a First Hawaiian ATM up to an\naggregate amount of $500 each calendar day, provided that\nthis amount does not exceed your available account balance or\nCredit Limit/Revolve Line. This amount may be less for cash\nwithdrawals and Cash Advances from Network ATMs.\nYou authorize us to charge any withdrawal by use of your\nCard to your checking account or savings account as though\nyou had specifically signed a withdrawal authorization. If there\nare insufficient funds in an account to cover such a withdrawal,\nyou agree that we may treat the amount of such withdrawal\neither as a Cash Advance or as an overdraft that you will be\nobligated to pay us on demand.\nii. Deposits. You may deposit up to $50,000 per transaction using\na First Hawaiian ATM. All deposits made with your Card and\nplaced in a First Hawaiian ATM are subject to receipt by us on\nopening the First Hawaiian ATM and verification of the items\nand the amounts.\niii. Moving Funds. You may move up to $50,000 per transaction\nbetween your checking account and savings account or from\nyour Credit Card account to your checking account using a\nFirst Hawaiian ATM.\nd. Fees for Using Automated Terminal Services. The fees for using\ncertain automated terminal services are disclosed in the paragraph of\nthis Agreement called \xe2\x80\x9cOther Fees.\xe2\x80\x9d\ne. Card and Secret Code Use. You are responsible for all\ntransactions in which you use your Card in an automated terminal, or\nthe use of the Card by anyone else who uses it with your permission.\nSecurity in use of the Card is provided by the secret code, which we will\nprovide you, and the magnetically encoded stripe on the Card. Please\nkeep the Card safe and also protect the secret code. Use the Card and\nthe secret code as instructed at all times. Please notify us of any\nmechanical or operating failure in connection with the use of your Card.\nDo not permit anyone else to use your Card and do not disclose your\nPR \xe2\x80\x93 Priority and World\n\nsecret code or record it on the Card. The Card remains the property of\nthe Bank and can be revoked and repossessed at any time. You must\nreturn it to us when asked.\nf. Time of Transaction. All transactions are subject to the time\nnecessary for us to process them. Any transaction made on a holiday or\nafter regular banking hours may be held by us until the next business\nday. Any transaction involving an account or matter located at any other\noffice of the Bank is subject to receipt at the other office and the time\nnecessary to process it.\ng. Documentation of Transfers.\ni. Terminal Transfers. You can get a receipt at the time you\nmake any transfer at a First Hawaiian ATM, Network ATM, or\nPOS terminal.\nii. Periodic Statements. If you have a checking account, you will\nget a monthly checking account statement. If you have\narranged for electronic access to your savings account, you\nwill get a quarterly savings account statement. However, if\nthere are any transfers in a particular month, you will get a\nsavings statement that month, as well.\nh. In Case of Errors or Questions About Your Electronic\nTransfers Involving Your Checking or Savings Account. Call or\nwrite to us at the telephone number and address stated in the\nparagraph of this Agreement called \xe2\x80\x9cWhere to Call or Write\xe2\x80\x9d as soon as\nyou can if you think your statement or receipt is wrong or if you need\nmore information about a transfer listed on the statement or receipt. We\nmust hear from you no later than 60 days after we sent you the first\nstatement on which the problem or error appeared. When reporting an\nerror or requesting more information:\ni. Tell us your name and account number.\nii. Describe the error or the transfer you are unsure about, and\nexplain as clearly as you can why you believe it is an error or\nwhy you need more information.\niii. Tell us the dollar amount of the suspected error.\nIf you tell us orally, we may require that you send us your complaint\nor question in writing within 10 business days. We will determine\nwhether an error occurred within 10 business days after we hear from\nyou and will correct any error promptly.\nWe will tell you the results of our investigation within 10 business\ndays after we hear from you and will correct any error promptly. If we\nneed more time, however, we may take up to 45 days to investigate\nyour complaint or question. If we decide to do this, we will re-credit your\naccount within 10 business days for the amount you think is in error, so\nthat you will have the use of the money during the time it takes us to\ncomplete our investigation. If we ask you to put your complaint or\nquestion in writing and we do not receive it within 10 business days, we\nmay not re-credit your account.\nWe will tell you the results within three business days after\ncompleting our investigation. If we determine that there was no error,\nwe will send you a written explanation. You may ask for copies of\ndocuments that we used in our investigation.\ni. Our Liability for Failure to Make Transfers. If we do not properly\ncomplete a transfer to or from your account on time or in the correct\namount according to our agreement with you, we will be liable for your\nlosses or damages. However, there are some exceptions. We will not\nbe liable, for instance:\ni. If, through no fault of ours, you do not have enough money in\nyour account to make the transfer;\nii. If the transfer would go over the credit limit on your overdraft\nline;\niii. If the automated terminal where you are making the transfer\ndoes not have enough cash;\niv. If the automated terminal was not working properly and you\nknew about the breakdown when you started the transfer;\nv. If circumstances beyond our control (such as fire or flood)\nprevent the transfer, despite reasonable precautions we have\ntaken; or\nvi. If your account does not contain enough money because we\nhave placed a hold on some items or the account is subject to\nlegal process.\nvii. There may be other exceptions.\nj. Disclosing Account Information to Third Parties. We may\ndisclose information to third parties about your account or the transfers\nyou make:\ni. Where it is necessary for completing transfers;\nii. In order to verify the existence and condition of your account for\na third party, such as a credit bureau or merchant;\niii. In order to comply with government agency or court orders; or\niv. If you give us your written permission.\n19. ATM Safety. It is important to be aware of your surroundings when\nusing an ATM, especially at night. When you are using an ATM, you should\nsecure any cash you withdraw before leaving the ATM. If you need to use\nan ATM at night, consider taking someone you know with you, and only use\nan ATM that is well-lit and unobstructed from view. If anything appears to\nbe suspicious, do not use the ATM. Always call 911 in the event of an\nemergency or to report any suspicious activity. If you have any questions\nor comments about the safety of any of our ATMs, please call us on Oahu\nat (808) 844-4444 or 1-888-844-4444 from the neighbor islands, Guam, the\nCNMI or Continental U.S.\n20. Lost or Stolen Card; Your Liability for Unauthorized Use. Tell us at\nonce if you believe your Card has been lost or stolen. Telephoning is the\nbest way of keeping your possible losses down.\na. Unauthorized Use as Credit Card. You may be liable for the\nunauthorized use of your Card as a credit card. You will not be liable for\nunauthorized use of your Card as a credit card that occurs after you\nnotify us at the telephone number or address stated in the paragraph of\nthis Agreement called \xe2\x80\x9cWhere to Call or Write,\xe2\x80\x9d orally or in writing, of\nloss, theft, or possible unauthorized use. In any case, your liability for\nunauthorized use of your Card as a credit card will not exceed $50.00.\nb. Unauthorized Use in Automated Terminals.\ni. If you tell us within two business days, you can lose no more\nthan $50 if someone used your Card at an automated terminal\nPage 4 of 5\nRev. Date 06/01/20\n\n\x0cwithout your permission.\nii. If you do not tell us within two business days after you learn of\nthe loss or theft of your Card and we can prove that if you had\ntold us, we could have stopped someone from using your Card\nat an automated terminal without your permission, you could\nlose as much as $500.\niii. If you do not notify us at all, you could lose all the money in\nyour checking and savings accounts plus your maximum\noverdraft line of credit.\niv. Also, if your statement shows transfers that you did not make,\ntell us at once. If you do not tell us within 60 days after the\nstatement was mailed to you, you may not get back any money\nyou lost after the 60 days if we can prove that we could have\nstopped someone from taking the money if you had told us in\ntime.\nv. If a good reason (such as a long trip or a hospital stay) kept\nyou from telling us, we will extend the time periods.\n21. Where to Call or Write. If you believe your Card has been lost or\nstolen or that someone has transferred or may transfer money from your\naccount or otherwise use your Card or Credit Card account without your\npermission, call: (808) 847-4444 on Oahu; Neighbor Islands, Guam,\nCommonwealth of the Northern Mariana Islands (CNMI), or Continental U.S\ncall 1-800-342-2778 or write to: First Hawaiian Bank, BankCard Security\nDepartment, P.O. Box 1959, Honolulu, Hawaii 96805.\n22. Our Business Days. Our business days are Monday through Friday,\nexcept for bank holidays.\n23. Credit Investigation and Disclosure. You authorize us, both now and\nin the future, to check your credit and employment history and to release\ninformation about our credit experience with you in response to legitimate\ncredit inquiries. If you believe that we have incorrect information or have\nreported inaccurate information about you to a credit bureau, please call us\nat (808) 847-4444 (Oahu) or call toll-free at 1-800-342-2778.\n24. Security Interest. We have no security for any amounts which become\ndue under this Agreement unless you have given us a specific security\ninterest in connection with the Agreement, which is described on the\nSupplement attached to this Agreement.\n25. Collection. You promise to pay all collection costs, including, without\nlimitation, mailing and delivery charges, reasonable lawyers\xe2\x80\x99 fees and court\ncosts at trial and on appeal, all as permitted by law.\n26. If There are More Than One of You. Each of you individually, or all of\nyou together, will be liable under this Agreement. We may collect from or\nsue any one of you, or make any settlements or extensions with any one of\nyou, without giving up our rights against the other(s). You understand that\nany one of you can make Purchases or get Cash Advances under this\nAgreement which will be binding upon all of you.\n27. No Waiver of Rights. If we choose to waive any of the terms or\nconditions of this Agreement on a case-by-case basis, such as by not\ndeclaring the entire balance due when the minimum monthly payment has\n\nnot been made on time, it does not mean that we have waived, or given up,\nour right to exercise any of our rights or remedies under this Agreement in\nthe future. We are not required to use any particular kind of demand or\nnotice in order to collect amounts due to us under this Agreement. No\nindulgence or acceptance by us of delinquent or partial payments\nconstitutes a waiver of our rights or of any provision of this Agreement. No\nwaiver of any existing default shall be deemed to waive any subsequent\ndefault\n28. Changing Terms. We can change, add to, delete or otherwise modify\nthe terms of this Agreement at any time in any way permitted by law. We\nwill send you advance notice of any change to this Agreement. If the\nchange affects use of your Card in an automated terminal, we will give you\nadvance notice of the change unless the change has to be made\nimmediately for security reasons. A notice of change we send you will\ndescribe any right you have to opt out of a particular change, if any, and will\ndescribe whether a particular change affects your outstanding balance. We\ndo not have to send a notice of the change if it favors you, such as by\nreducing rates, increasing the maximum Credit Limit/Revolve Line, etc.\n29. Canceling this Agreement. We have the right to cancel this\nAgreement at any time by sending a notice to any one of you in writing. You\nalso have the same right to cancel this Agreement at any time by sending\nus a notice in writing. If this Agreement is canceled by you or us, your\nobligation to repay amounts you already owe under this Agreement would\ncontinue, and you must return your Card to us.\n30. Other Agreements. Use of your Card is subject to the terms of existing\nregulations governing deposit accounts and other agreements and\ndisclosures for your checking, savings, and Credit Card accounts, and any\nfuture changes.\n31. Governing Law. This Agreement will be governed by the laws of the\nState of Hawaii, and, as applicable, federal law, regardless of where the\nPurchases or Cash Advances are made, and you agree that any legal\naction that may be filed by you elsewhere will be transferred to an\nappropriate court in Hawaii if we decide that we want it to be transferred.\n32. Monitoring/Recording Telephone Calls. Our supervisory personnel\nmay listen to and record your telephone calls to us for the purpose of\nmonitoring and improving the quality of service you receive.\n33. Emergency Situation. In the event of an emergency situation beyond\nour reasonable control, such as an "act of God," war, fire, or natural\ndisaster, services involving your account could be available only in a\nmodified or reduced form or could be entirely unavailable. Unless expressly\nprohibited by applicable law, you agree that we will have no liability to you\nfor such modification, reduction, or unavailability of services caused by an\nemergency situation.\n\nYOUR BILLING RIGHTS: Keep This Notice for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nwill send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do\nnot pay the amount we think you owe.\n\nWhat To Do If You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at:\nFirst Hawaiian Bank\nP.O. Box 1959\nHonolulu, Hawaii 96805\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a\nmistake.\n\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first\n$50 of the amount you question even if your bill is correct.\n\nYou must contact us:\n\xe2\x80\xa2\nWithin 60 days after the error appeared on your statement.\n\xe2\x80\xa2\nAt least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you think is\nwrong.\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased\nwith your credit card and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount\ndue on the purchase.\n\nYou must notify us of any potential errors in writing. You may call us, but if\nyou do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\n\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within\n100 miles of your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are\nnecessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods\nor services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\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 we\nreceived your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the\nerror or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\nWe cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2\nThe charge in question may remain on your statement, and we\nmay continue to charge you interest on that amount.\n\xe2\x80\xa2\nWhile you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2\nWe can apply any unpaid amount against your credit limit/revolve\nline.\n\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at:\nFirst Hawaiian Bank\nP.O. Box 1959\nHonolulu, Hawaii 96805\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay,\nwe may report you as delinquent.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\nIf we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\xe2\x80\xa2\nIf we do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and fees. We\nPR \xe2\x80\x93 Priority and World\nPage 5 of 5\n\nRev. Date 06/01/20\n\n\x0c'