b'PRIVATE BANKING UNITED\xc2\xae CREDIT CARD AGREEMENT\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n11.24%\n\nAPR for Balance\nTransfers\n\n2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for\nbalance transfers made within thirty days of account opening.\nAfter that, the APR will be 11.24%. This APR will vary with the market based on the U.S. Prime\nRate.\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 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\n$99\n\nTransaction Fees\n\xe2\x80\xa2 Foreign Transaction\n\nNone\n\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 5% of the amount of each Balance Transfer, whichever is greater\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $40\nUp to $40\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new Purchases).\xe2\x80\x9d\nSee the paragraph of this Agreement titled \xe2\x80\x9cComputing Your Interest Charge\xe2\x80\x9d for more details.\nLoss of Introductory Balance Transfer APR: We may end your introductory Balance Transfer APR and apply the\nPenalty APR if you make a late payment.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in this\nAgreement.\nSEE NEXT PAGE FOR IMPORTANT INFORMATION ABOUT YOUR ACCOUNT.\n\nPrivate Banking United Credit Card Agreement\n\nPage 1 of 6\n\nRev.06/01/20\n\n\x0cThis Private Banking United\xc2\xae Credit Card Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d)\nmean unlimited spending. Instead, each charge is evaluated based on the\ncovers your Private Banking United Credit Card account (the \xe2\x80\x9cCredit Card\nspending and payment patterns on the account, merchant type, information\naccount\xe2\x80\x9d) you have with us. By requesting or accepting a Credit Card\nfrom consumer credit reports obtained from credit bureaus including your\naccount, you agree to be bound by all the terms of this Agreement. In this\nexperience with other creditors, and our understanding of your resources.\nAgreement, the words \xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cyour\xe2\x80\x9d mean everyone who has requested or\nWithout limiting the foregoing, we may also decline an authorization request\naccepted a Credit Card account with us. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d or\nfor any transaction at any time as described in the paragraph of this\n\xe2\x80\x9cBank\xe2\x80\x9d mean First Hawaiian Bank.\nAgreement called "Authorizing Transactions." We may also request\nadditional information from you at any time to evaluate a transaction\n1. Use. Your Private Banking United Credit Card ( your \xe2\x80\x9cCard\xe2\x80\x9d) may be\nrequest or your use of the account in general. In addition, all of the\nused as a credit card for purchases of goods or services from participating\nprovisions above in this section apply. Your World Elite Mastercard\nmerchants (\xe2\x80\x9cPurchases\xe2\x80\x9d) or to get Cash Advances from us or any other\naccount may provide additional benefits and features and may have\nfinancial institution displaying the \xe2\x80\x9cMastercard\xe2\x80\x9d logo, or to purchase certain\nadditional charges that will be described in separate documentation for the\nitems such as traveler\'s cheques, foreign currency, money orders, wire\nWorld Elite Mastercard program, all of which is incorporated by this\ntransfers, lottery tickets, or (except as noted below) funds to be used for\nreference. You authorize us to enroll you in benefits and programs that we\nwagers or gambling (all of which are collectively referred to as \xe2\x80\x9cCash\nmay offer from time to time associated with your account, including without\nAdvances\xe2\x80\x9d) up to your Revolve Line.\nlimitation benefits and programs that we offer exclusively to holders of\nYou can also obtain a Cash Advance by writing a special check\nWorld Elite Mastercard accounts. Accessing some of the benefits and\n(\xe2\x80\x9cConvenience Check\xe2\x80\x9d), which accesses the available Cash Advance limit\nservices under the World Elite Mastercard program may involve charges to\non your Credit Card account. Convenience Checks are available from us\nyour account.\nupon request or we may periodically provide Convenience Checks as a\n4. Temporary Reduction of Revolve Line. Merchants, such as car rental\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\ncompanies and hotels, may request prior credit approval from us for an\nthe Convenience Check. If we offer a special promotion, we will explain to\nestimated amount of your Purchases, even if you ultimately do not pay by\nyou any special terms of the use of the Convenience Checks. The Cash\ncredit. If our approval is granted, your available Revolve Line will\nAdvance will be posted to your Credit Card account when the Convenience\ntemporarily be reduced by the amount authorized by us. If you do not\nCheck reaches us. The Convenience Check fee described on page 1 of this\nultimately use your Credit Card account to pay for your Purchases or if the\nAgreement will be imposed on each Convenience Check you write. If you\nactual amount of Purchases posted to your Credit Card account varies from\nstop payment on a Convenience Check, your Credit Card account will be\nthe estimated amount approved by us, it is the responsibility of the\ncharged the fee shown in the paragraph of this Agreement called \xe2\x80\x9cOther\nmerchant, not us, to cancel the prior credit approval based on the estimated\nFees.\xe2\x80\x9d\namount. The failure of the merchant to cancel a prior credit approval may\nFrom time to time we may offer a special balance transfer promotion,\nresult in a temporary reduction of your available Revolve Line, but will not\nwhich is an opportunity to make a Cash Advance to pay the balance on\nincrease the amount you owe us under this Agreement.\nanother loan you have, by transferring the other loan balance to your Credit\n5. Agreement to Pay. When you use your Card or Credit Card account,\nCard account. If we offer a balance transfer promotion, at that time we will\nor when you permit anyone to use it, you agree to pay the amount of any\nexplain to you the terms of the promotion. Unless we tell you otherwise, all\nand all Purchases or Cash Advances (including Purchases and/or Cash\nthe references in this Agreement to balance transfers will apply to any\nAdvances which may have been made in violation of this Agreement),\nspecial balance transfer promotion offered.\nFINANCE CHARGES (including but not limited to interest, Foreign\nYour Card may also be used in certain automated terminals to gain\nTransaction Fees, Cash Advance, Balance Transfer and Convenience\naccess to your checking, savings, and Credit Card accounts.\nCheck Transaction Fees), late charges, membership fees, and other fees\nYour Card and Credit Card account may be used only for valid and\nthat may become due as shown on the periodic statement. If we accept a\nlawful purposes. You may not use your Card (i) to make Purchases or\npayment from you in excess of your outstanding balance, your available\nobtain Cash Advances for any illegal transaction, or (ii) for any internet or\nRevolve Line will not be increased by the amount of the overpayment nor\nonline gambling transactions. Transactions for online or internet gambling\nwill we be required to authorize transactions for an amount in excess of\nwill not be approved. If you use your Card for any illegal or prohibited\nyour Revolve Line.\ntransaction, this Agreement also applies to such transaction and you agree\n6. Periodic Statement. Each month we will send you a periodic\nto pay any and all amounts related to such transaction pursuant to the\nstatement for each Credit Card account you have with us covering the\nterms of this Agreement. We may, in our sole discretion, restrict the use of\nprevious billing period. We may not send you a statement if your balance is\nor terminate your Card if we notice excessive use of your Card or other\nzero and there were no transactions during the billing period. The statement\nsuspicious activities or if we reasonably believe the Card is or has been\nwill have a \xe2\x80\x9cStatement Closing Date\xe2\x80\x9d and a \xe2\x80\x9cPayment Due Date,\xe2\x80\x9d and will\nused for one or more illegal or prohibited transactions.\nshow, among other things, your \xe2\x80\x9cPrevious Balance,\xe2\x80\x9d your \xe2\x80\x9cNew Balance,\xe2\x80\x9d\nWe have no responsibility for the failure of any machine, merchant,\nand your minimum monthly payment, which will be shown as \xe2\x80\x9cMinimum\nfinancial institution, or any other party to honor your Card. If you use, or\nPayment Due.\xe2\x80\x9d The periodic statement is part of this Agreement. If you\nallow someone else to use the Card or Credit Card account for any other\nchoose to receive periodic statements electronically, the statements will be\npurpose, you will be responsible for such use and may be required to\ndeemed to have been sent to you when they are first made available for\nreimburse us for all amounts or expenses we pay as a result of such use.\nyou to view online.\n2.\nSpecial United Credit Card Program Provisions. The United\n7. Payment. You must make a payment by the \xe2\x80\x9cPayment Due Date.\xe2\x80\x9d You\nMileagePlus Program is a loyalty program associated with your Card. In\nhave two choices: You may pay the entire \xe2\x80\x9cNew Balance\xe2\x80\x9d or you may pay in\naddition to the terms and conditions of this Agreement, the terms and\ninstallments by paying at least the \xe2\x80\x9cMinimum Payment Due.\xe2\x80\x9d All payments\nconditions of the Guide to Selected Benefits and United Credit Card\nmust be made in the lawful money of the United States of America. When\nProgram Agreement provided to you with this Agrement shall also apply to\nyour payment is properly received, we will apply your Minimum Payment as\nyour Card.\npermitted by law. If you make a payment in excess of the Minimum\n3. Revolve Line. We will notify you of your Revolve Line for each Credit\nPayment, the excess amount will be applied first to your balance with the\nCard account you have with us, which is the total amount of credit we agree\nhighest ANNUAL PERCENTAGE RATE. Any remaining amount of your\nto extend to you at any one time. Your Revolve Line will also include a\nexcess payment will be applied to the balance with the next highest\nseparate limit for Cash Advances. Your Revolve Line and Cash Advance\nANNUAL PERCENTAGE RATE, and so on. Upon confirmation of\nlimit are listed on your monthly periodic statement. Your available Revolve\ncollection, we will add any Cash Advances or Purchases repaid to your\nLine is the amount of your total Revolve Line minus the sum of your New\navailable Revolve Line; however, in the event of payment by personal or\nBalance, any authorized Purchases, Cash Advances and Balance\nbusiness check, we may delay replenishing your available Revolve Line\nTransfers that have not posted to your Account, and any payments that\nuntil your check clears. This means that you may not have access to all or\nhave not cleared. You may apply to increase your Credit Revolve Line, and\npart of the Revolve Line until we have collected the funds by which you\nwe reserve the right to lower it without prior notice to you.\nhave made payment on the account. If payments are made by certified or\nYou agree that you will not let your total charges, including Purchases,\ncashier\xe2\x80\x99s check, electronic funds transfer, automated clearing house, or\nCash Advances, FINANCE CHARGES (including but not limited to interest,\nother means that provide immediate collected funds, we may waive the\nForeign Transaction Fees, Cash Advance, Balance Transfer and\nright to delay restoration of the Revolve Line.\nConvenience Check Transaction Fees), late charges, membership fees,\nPayments must be mailed to the BankCard Center address specified in\nand other fees that may be due, exceed your Revolve Line. If you exceed\nyour statement. Payments must reach our BankCard Center by 5:00 p.m.\nyour Revolve Line, you will be considered to have exceeded your Revolve\nHST during our regular business day in order to be credited on that date.\nLine for all purposes of the Agreement, and we may reduce the available\nPayments received after the cutoff time of 5:00 p.m. HST will be credited as\nCredit Limit/Revolve Line of any other Credit Card account you have with us\nof the following business day. If you make a payment in person at our\nuntil such time as the excess amount is paid.\nbranches with the assistance of a branch employee prior to regular closing\nYou are responsible for keeping track of your New Balance and your\ntime for the branch, the payment will be credited as of the date received. If\navailable Revolve Line. We may but are not required to approve\nyou make a payment by any means other than by mail to our BankCard\ntransactions above your Revolve Line up to a certain percentage of your\nCenter (including payments made by using FHB Online), crediting of your\nRevolve Line which we establish from time to time for you based on our\npayment may be delayed.\nestablished evaluation criteria. If we do approve those transactions, those\nFrom time to time, we may let you skip or reduce one or more monthly\ntransactions will not increase your Revolve Line. You are responsible for\npayments during a year and/or we may temporarily reduce or eliminate\nrepaying all over-limit amounts and FINANCE CHARGES will be assessed\ncertain FINANCE CHARGES on all or a portion of your Credit Card account\non those amounts.\nbalance or offer you other special terms. If we do, we will advise you of the\nFor security reasons, we may limit the number or amount of Purchase,\nscope and duration of the applicable skip or promotional feature. When the\nCash Advance and/or Convenience Check transactions that may be\nskip or promotional feature ends, your regular rates and all the terms of the\naccomplished with your Card or Credit Card account. We may also limit\nAgreement will resume.\nauthorizations to make Purchases or obtain Cash Advances if we consider\n8. Minimum Payment\xe2\x80\x93Late Charge. At least the amount of the\nit necessary to verify collection of Payments received on your Credit Card\n\xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d must be received by us by the \xe2\x80\x9cPayment Due\naccount.\nDate.\xe2\x80\x9d If it is not, we may apply the late charge shown on page 1 (if\nWorld Elite Mastercard Revolve Line. Amounts over your Revolve\npermitted by law), unless such charge would result in an interest charge\nLine may be referred to as a non-revolving line. The Revolve Line is the\ngreater than the maximum allowable by law, in which case we will only\nmaximum amount upon which you may defer payment on your account,\ncharge the maximum allowable rate. The \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d will\nsubject to the minimum required payment that must always be paid on time.\ninclude the amount calculated by using the table shown below, and will\nThere is no pre-set spending limit for your account. With no pre-set\ninclude any amount past due on your account. Your statement will show\nspending limit, you have the flexibility to make purchases in excess of your\nthe past due amounts as part of the \xe2\x80\x9cMinimum Payment Due.\xe2\x80\x9d\nstated Revolve Line. However, having a no pre-set spending limit does not\nPrivate Banking United Credit Card Agreement\nPage 2 of 6\nRev. 06/01/20\n\n\x0c\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. Your Credit\nCard account is made on a Variable Rate basis for Purchases, and the\nANNUAL PERCENTAGE RATE and Daily Periodic Rate for Purchases\nare described in the paragraph of this Agreement below called \xe2\x80\x9cVariable\nRate,\xe2\x80\x9d The Daily Periodic Rate for Cash Advances is a Fixed Rate of\n.0493%, which is equivalent to an ANNUAL PERCENTAGE RATE of\n18.00%.\nc. Variable Rate. The initial ANNUAL PERCENTAGE RATE for\ntransfers of account balances you have with another creditor ("Balance\nTransfers") is a fixed promotional rate as shown on page 1 of this\nAgreement and will remain in effect for your first eight billing cycles\nfollowing the opening of your account ("Initial Rate Period"). The Daily\nPeriodic Rate for Balance Transfers during the Initial Rate Period is\n.0082%. After the Initial Rate Period, the Daily Periodic Rate for\nBalance Transfers based on the Current Index and Rate Spread\ndescribed below will be .0308% and the corresponding ANNUAL\nPERCENTAGE RATE will be 11.24%. After the Initial Rate Period, the\nANNUAL PERCENTAGE RATE for Balance Transfers will change to\nthe current rate shown on page 1 of this Agreement. The current Daily\nPeriodic Rate for Balance Transfers is .0308%. The current ANNUAL\nPERCENTAGE RATE for Purchases is shown on page 1 of this\nAgreement. The Daily Periodic Rate for Purchases is .0308%. The Daily\nPeriodic Rate and the corresponding ANNUAL PERCENTAGE RATE\nmay change (by increasing or decreasing) on the first day of each of\nyour billing cycles that begin in March, June, September, and\nDecember. Each date on which the rate of interest could change is\ncalled a \xe2\x80\x9cChange Date.\xe2\x80\x9d Changes will be based on changes in the\n\xe2\x80\x9cIndex.\xe2\x80\x9d The Index is the highest U. S. Prime Rate published in the\n\xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street Journal on the last business\nday of the calendar month prior to the month in which the Change Date\noccurs. The most recent Index is called the \xe2\x80\x9cCurrent Index.\xe2\x80\x9d If the Index\nis no longer available, we will choose a new Index based upon\ncomparable information and will give you notice of our choice. Your\ninterest rate for Purchases is based on a variable rate equal to the sum\nof the Current Index plus a \xe2\x80\x9cRate Spread\xe2\x80\x9d of 7.99 percentage points.\n(The Rate Spread is also called the Margin.) Immediately before each\nChange Date we will determine the new interest rate for Purchases by\nadding the Rate Spread to the Current Index. For example, if the\nCurrent Index was 3.25% and the Rate Spread 7.99, the ANNUAL\nPERCENTAGE RATE would be 11.24% and by dividing this percentage\nfigure by 365, we would compute a Daily Periodic Rate of .0308%. The\nnew interest rate for Purchases will become effective at the start of your\nfirst billing cycle after the Change Date. The ANNUAL PERCENTAGE\nRATE will not exceed the maximum rate permitted by law. The effect of\nany increase in the ANNUAL PERCENTAGE RATE and the Daily\nPeriodic Rate for Purchases would be to increase the amount of interest\nyou must pay and 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\nPrivate Banking United Credit Card Agreement\n\nor promotional ANNUAL PERCENTAGE RATE is in effect in the\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. Annual Membership Fee. You agree to pay in advance a\nnonrefundable annual membership fee shown on page 1, whether or not\nyou use your Card or Credit Card account. The fee will be charged on a\nperiodic statement shortly after you open your Credit Card account and\nafter that in the same month every year. We reserve the right to waive all\nor a portion of the annual fee.\n12. 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.\n13. 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. Other Transaction Fees. We will charge\nyour Credit Card account when appropriate the Cash Advance and\nConvenience Check fees shown on page 1, each of which are FINANCE\nCHARGES. Each of these fees will be added to your Credit Card balance\nwhen charged.\n14. Other Fees. You also agree to pay us the appropriate fees listed\nbelow and shown on page 1, which may be amended from time to time by\nus. You authorize us to charge your Credit Card account (or the account\nfrom which you obtained money or information in the case of an automated\nterminal transaction) for fees due to us. We reserve the right to waive these\nfees from time to time. If we incur special expenses on your Credit Card\naccount due to a request made by you, we may also charge you for these\nexpenses.\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 $1,000 or your available Revolve Line, whichever is\nless.\n\xe2\x80\xa2 Copy of Sales Draft\n\xe2\x80\xa2 Research Fee\n\xe2\x80\xa2 Statement Copy Fee\n\xe2\x80\xa2 Convenience Check Stop Payment Order/Return\nConvenience Check Fee\n\xe2\x80\xa2 Listing in Combined Warning Bulletin Per Region\nPayable at Time of Delivery\n\xe2\x80\xa2 Replacement Card issued by First Hawaiian Bank\n\xe2\x80\xa2 Returned Payment Check (due to insufficient funds,\nstop payment order on your check, etc.)\n\n$ 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$ 20.00\nUp to $35\n\n15. Authorizing Transactions. We 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.\nPage 3 of 6\n\nRev. 06/01/20\n\n\x0cIf you are in Default, we may terminate your Credit Card account, make\ne. Card and Secret Code Use. You are responsible for all\nno more additional loans or advances, and require you to immediately\ntransactions in which you use your Card in an automated terminal, or\nrepay the entire unpaid balance of all amounts due on your Credit Card\nthe use of the Card by anyone else who uses it with your permission.\naccount, including but not limited to all loan amounts, late charges and\nSecurity in use of the Card is provided by the secret code, which we will\nother charges assessed but not paid, and all of the FINANCE CHARGES\nprovide you, and the magnetically encoded stripe on the Card. Please\naccrued but not paid. If we terminate your Credit Card account, your\nkeep the Card safe and also protect the secret code. Use the Card and\nobligation to repay the amounts you already owe us would continue.\nthe secret code as instructed at all times. Please notify us of any\nAt our option, we may also take action short of terminating your Credit\nmechanical or operating failure in connection with the use of your Card.\nCard account. If your required Minimum Payment (shown on your periodic\nDo not permit anyone else to use your Card and do not disclose your\nstatement as \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d) is not received within 60 days of the\nsecret code or record it on the Card. The Card remains the property of\npayment due date, we may increase your ANNUAL PERCENTAGE RATE\nthe Bank and can be revoked and repossessed at any time. You must\nfor Purchases and Cash Advances and any applicable promotional rates to\nreturn it to us when asked.\na .0493% Daily Periodic Rate and an ANNUAL PERCENTAGE RATE\nf. Time of Transaction. All transactions are subject to the time\n(\xe2\x80\x9cPenalty APR\xe2\x80\x9d) of 18.00% fixed for the entire outstanding balance. We will\nnecessary for us to process them. Any transaction made on a holiday or\nsend you advance written notice that your ANNUAL PERCENTAGE RATE\nafter regular banking hours may be held by us until the next business\nwill be increasing. Your payments under this Agreement, including the\nday. Any transaction involving an account or matter located at any other\namount of the FINANCE CHARGE, will increase as a result of the increase\noffice of the Bank is subject to receipt at the other office and the time\nin your Daily Periodic Rate and ANNUAL PERCENTAGE RATE, and any\nnecessary to process it.\nsuch increase in your Daily Periodic Rate and ANNUAL PERCENTAGE\ng. Documentation of Transfers.\nRATE will be shown on your periodic statement. We will reinstate your Daily\ni. Terminal Transfers. You can get a receipt at the time you\nPeriodic Rate and ANNUAL PERCENTAGE RATE to the rate set forth in\nmake any transfer at a First Hawaiian ATM, Network ATM, or\nthis Agreement once you have made six consecutive Minimum Payments\nPOS terminal.\non or before the due date, starting with the first billing cycle after the\nii. Periodic Statements. If you have a checking account, you will\nPenalty APR is imposed. If we take such lesser action initially, we reserve\nget a monthly checking account statement. If you have\nthe right to terminate your Credit Card account and accelerate all amounts\narranged for electronic access to your savings account, you\ndue under this Agreement regardless of whether any additional events have\nwill get a quarterly savings account statement. However, if\noccurred that would permit termination and acceleration.\nthere are any transfers in a particular month, you will get a\nIf you fail to comply with any of the special terms in this Agreement\nsavings statement that month, as well.\napplicable to the World Elite Mastercard account, you will be in Default\nh. In Case of Errors or Questions About Your Electronic\nunder this Agreement and we will have all of the rights set forth in this\nTransfers Involving Your Checking or Savings Account. Call or\nAgreement as a result of the Default. In addition to all of those rights, we\nwrite to us at the telephone number and address stated in the\nmay in our sole and absolute discretion convert your World Elite Mastercard\nparagraph of this Agreement called \xe2\x80\x9cWhere to Call or Write\xe2\x80\x9d as soon as\naccount to any other type of account that we may offer. Any such\nyou can if you think your statement or receipt is wrong or if you need\nconversion may cause the elimination of the benefits associated with the\nmore information about a transfer listed on the statement or receipt. We\nWorld Elite Mastercard account without prior notice to you.\nmust hear from you no later than 60 days after we sent you the first\n18. Automated Terminal Services Involving Your Checking or\nstatement on which the problem or error appeared. When reporting an\nSavings Account. (Some of these services are only available if your Credit\nerror or requesting more information:\nCard account is linked to your checking or savings account with us.)\ni. Tell us your name and account number.\na. Automated Terminals. You may use your Card in the following\nii. Describe the error or the transfer you are unsure about, and\nautomated terminals:\nexplain as clearly as you can why you believe it is an error or\ni. Our First Hawaiian automated teller machines (\xe2\x80\x9cFirst Hawaiian\nwhy you need more information.\nATM\xe2\x80\x9d).\niii. Tell us the dollar amount of the suspected error.\nii. Any other automated teller machine (including any ATM we\nIf you tell us orally, we may require that you send us your complaint\nmay own besides First Hawaiian ATM) that is participating in a\nor question in writing within 10 business days. We will determine\nnetwork and accepts our Card (\xe2\x80\x9cNetwork ATM\xe2\x80\x9d) and\nwhether an error occurred within 10 business days after we hear from\niii. Any point-of-sale terminal that accepts our Card (\xe2\x80\x9cPOS\nyou and will correct any error promptly.\nterminal\xe2\x80\x9d).\nWe will tell you the results of our investigation within 10 business\nb. Services Available at an Automated Terminal.\ndays after we hear from you and will correct any error promptly. If we\ni. You may use your Card at a First Hawaiian ATM to:\nneed more time, however, we may take up to 45 days to investigate\n\xe2\x80\xa2\nWithdraw cash from your checking or savings account.\nyour complaint or question. If we decide to do this, we will re-credit your\n\xe2\x80\xa2\nMake deposits to your checking or savings account.\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\n\xe2\x80\xa2\nMove funds between your checking and savings\ncomplete our investigation. If we ask you to put your complaint or\naccounts.\nquestion in writing and we do not receive it within 10 business days, we\n\xe2\x80\xa2\nGet your checking, savings, or Credit Card account\nmay not re-credit your account.\nbalances. These balances may not include some\nWe will tell you the results within three business days after\ntransactions recently made in your account.\ncompleting our investigation. If we determine that there was no error,\n\xe2\x80\xa2\nMove funds from your Credit Card account to your\nwe will send you a written explanation. You may ask for copies of\nchecking account.\ndocuments that we used in our investigation.\n\xe2\x80\xa2\nGet a Cash Advance from your Credit Card account.\ni. Our Liability for Failure to Make Transfers. If we do not properly\n\xe2\x80\xa2\nGet an interim statement printout of all posted\ncomplete a transfer to or from your account on time or in the correct\ntransactions on your checking account since the last\namount according to our agreement with you, we will be liable for your\nregular statement period up to the previous business\nlosses or damages. However, there are some exceptions. We will not\nday.\nbe liable, for instance:\nii. You may use your Card at any Network ATM to (some of these\ni. If, through no fault of ours, you do not have enough money in\nservices may not be available at all Network ATMs):\nyour account to make the transfer;\n\xe2\x80\xa2\nWithdraw cash from your checking or savings account.\nii.\nIf\nthe transfer would go over the revolve line on your overdraft\n\xe2\x80\xa2\nGet a Cash Advance from your Credit Card account.\nline;\n\xe2\x80\xa2\nGet your checking, savings, or Credit Card account\niii. If the automated terminal where you are making the transfer\nbalances. These balances may not include some\ndoes not have enough cash;\ntransactions recently made in your account.\niv. If the automated terminal was not working properly and you\niii. You may use your Card at a POS terminal to purchase certain\nknew about the breakdown when you started the transfer;\nmerchandise. The amount of your purchase will automatically\nv. If circumstances beyond our control (such as fire or flood)\nbe charged to your Credit Card account as a Purchase.\nprevent the transfer, despite reasonable precautions we have\nc. Limits of Automated Terminal Services.\ntaken; or\ni. Withdrawals and Cash Advances. You may withdraw cash or\nvi. If your account does not contain enough money because we\nget a Cash Advance from a First Hawaiian ATM up to an\nhave placed a hold on some items or the account is subject to\naggregate amount of $2,000 each calendar day, provided that\nlegal process.\nthis amount does not exceed your available account balance or\nvii. There may be other exceptions.\nRevolve Line. This amount may be less for cash withdrawals\nj. Disclosing Account Information to Third Parties. We may\nand Cash Advances from Network ATMs.\ndisclose information to third parties about your account or the transfers\nYou authorize us to charge any withdrawal by use of your\nyou make:\nCard to your checking account or savings account as though\ni. Where it is necessary for completing transfers;\nyou had specifically signed a withdrawal authorization. If there\nii. In order to verify the existence and condition of your account for\nare insufficient funds in an account to cover such a withdrawal,\na third party, such as a credit bureau or merchant;\nyou agree that we may treat the amount of such withdrawal\niii. In order to comply with government agency or court orders; or\neither as a Cash Advance or as an overdraft that you will be\niv. If you give us your written permission.\nobligated to pay us on demand.\n19. ATM Safety. It is important to be aware of your surroundings when\nii. Deposits. You may deposit up to $50,000 per transaction using\nusing an ATM, especially at night. When you are using an ATM, you should\na First Hawaiian ATM. All deposits made with your Card and\nsecure any cash you withdraw before leaving the ATM. If you need to use\nplaced in a First Hawaiian ATM are subject to receipt by us on\nan ATM at night, consider taking someone you know with you, and only use\nopening the First Hawaiian ATM and verification of the items\nan ATM that is well-lit and unobstructed from view. If anything appears to\nand the amounts.\nbe suspicious, do not use the ATM. Always call 911 in the event of an\niii. Moving Funds. You may move up to $50,000 per transaction\nemergency or to report any suspicious activity. If you have any questions\nbetween your checking account and savings account or from\nor comments about the safety of any of our ATMs, please call us on Oahu\nyour Credit Card account to your checking account using a\nat (808) 844-4444 or 1-888-844-4444 from the neighbor islands, Guam, the\nFirst Hawaiian ATM.\nCNMI or the Continental U.S.\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\nPrivate Banking United Credit Card Agreement\nPage 4 of 6\nRev. 06/01/20\n\n\x0c20. Lost or Stolen Card; Your Liability for Unauthorized Use. Tell us\nat once 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.\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\nwithout 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\nU.S. call 1-800-342-2778 or write to: First Hawaiian Bank, BankCard\nSecurity Department, P.O. Box 1959, Honolulu, Hawaii 96805.\n22. Our Business Days. Our business days are Monday through Friday,\nexcept for bank holidays.\n23. Credit Investigation and Disclosure. You authorize us, both now\nand in the future, to check your credit and employment history and to\nrelease information about our credit experience with you in response to\nlegitimate credit inquiries. If you believe that we have incorrect information\nor have reported inaccurate information about you to a credit bureau,\nplease call us at (808) 847-4444 (Oahu) or call toll-free at 1-800-342-2778.\n24. Security Interest. We have no security for any amounts which\nbecome due under this Agreement unless you have given us a specific\nsecurity interest in connection with the Agreement, which is described on\nthe Security Agreement Supplement to this Agreement.\n25. Collection. You promise to pay all collection costs, including, 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\n\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\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. Change in Terms and Relationship. We can change, add to, delete\nor otherwise modify the terms of this Agreement at any time in any way\npermitted by law. We will send you advance notice of any change to this\nAgreement. If the change affects use of your Card in an automated\nterminal, we will give you advance notice of the change unless the change\nhas to be made immediately for security reasons. A notice of change we\nsend you will describe any right you have to opt out of a particular change,\nif any, and will describe whether a particular change affects your\noutstanding balance. We do not have to send a notice of the change if it\nfavors you, such as by reducing rates, increasing the maximum Revolve\nLine, etc.\nYou are provided special terms that are offered to you conditional upon\nmaintaining your Private Banking relationship. If you cease to be a Private\nBanking customer, we may, in our sole discretion, convert your account to\nany other type of non-Private Banking account that we may offer. Any such\nconversion may cause the elimination of certain features and benefits. We\nwill provide you with notice of this change.\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\nexisting regulations 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.\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\n\xe2\x80\xa2\n\nDescription 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\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\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 revolve line.\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\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.\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.\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.\nWhat Will Happen After We Receive Your Letter\n\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\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.\n\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\nPrivate Banking United Credit Card Agreement\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\n\nTo use this right, all of the following must be true:\nPage 5 of 6\n\nRev. 06/01/20\n\n\x0c1.\n\n2.\n\n3.\n\nThe 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.)\nYou 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.\nYou must not yet have fully paid for the purchase.\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\nPrivate Banking United Credit Card Agreement\n\nPage 6 of 6\n\nRev. 06/01/20\n\n\x0c'