b'PRIORITY DESTINATIONSSM WORLD CREDIT CARD AGREEMENT\n(Personal and Priority Banking Accounts)\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n16.24% for Personal World Accounts\n14.24% for Priority Banking World Accounts\nThese APRs will vary with the market based on the U.S. Prime Rate.\n\nAPR for Balance\nTransfers\n\n4.99% fixed APR for eight billing cycles beginning with the billing cycle on which the balance\ntransfer appears.\nAfter that, the APR will be 16.24% for Personal World Accounts and 14.24% for Priority Banking\nWorld Accounts.\nThese APRs will vary with the market based on the U.S. Prime Rate.\n\nAPR for Cash Advances\n\n18.00% Fixed\n\nPenalty APR and When\nit Applies\n\n18.00% Fixed\nThis APR may be applied to your Credit Card account if you make a late payment.\nHow Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six\nconsecutive Minimum Payments when due.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\ninterest on Purchases if you pay your entire New Balance by the Payment Due Date each month.\nWe will begin charging interest on Cash Advances on the transaction date.\n\nPaying Interest\n\nMinimum Interest\nCharge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\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 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\nUp to $40\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $40\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new Purchases).\xe2\x80\x9d\nSee the paragraph of this Agreement titled \xe2\x80\x9cComputing Your Interest Charge\xe2\x80\x9d for more details.\nLoss of Balance Transfer APR: We may end your Balance Transfer APR and apply the Penalty APR if you make a late\npayment.\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\nDestinations World\n\nPage 1 of 6\n\nRev. Date 06/01/20\n\n\x0cThis Priority Destinations World Credit Card Agreement will cover any\nWorld Mastercard Revolve Line. Amounts over your Revolve Line\nPersonal or Priority Banking World Mastercard account (individually or\nmay be referred to as a non-revolving line. The Revolve Line is the\ncollectively called "Credit Card account") you have with us. By requesting or\nmaximum amount upon which you may defer payment on your account,\naccepting a Credit Card account, you agree to be bound by all the terms of\nsubject to the minimum required payment that must always be paid on time.\nthis Agreement. In this Agreement, the words "you" or "your" mean\nThere is no pre-set spending limit for your account. With no pre-set\neveryone who has requested or accepted a Credit Card account with us.\nspending limit, you have the flexibility to make purchases in excess of your\nThe words "we," "us," "our," or "Bank" mean First Hawaiian Bank.\nstated Revolve Line. However, having no pre-set spending limit does not\n1. Use. Your Personal or Priority Banking World Mastercard (individually\nmean unlimited spending. Instead, each charge is evaluated based on the\nor collectively called "Card") may be used as a credit card for purchases of\nspending and payment patterns on the account, merchant type, information\ngoods or services from participating merchants ("Purchases") or to get\nfrom consumer credit reports obtained from credit bureaus including your\nCash Advances from us or any other financial institution displaying the\nexperience with other creditors, and our understanding of your resources.\n"Mastercard" logo, or to purchase certain items such as traveler\'s cheques,\nWithout limiting the foregoing, we may also decline an authorization request\nforeign currency, money orders, wire transfers, lottery tickets, or (except as\nfor any transaction at any time as described in the section of this\nnoted below) funds to be used for wagers or gambling (all of which are\nAgreement called "Authorizing Transactions." We may also request\ncollectively referred to as "Cash Advances") up to your Revolve Line.\nadditional information from you at any time to evaluate a transaction\nYou can also obtain a Cash Advance by writing a special check\nrequest or your use of the account in general. In addition, all of the\n(\xe2\x80\x9cConvenience Check\xe2\x80\x9d), which accesses the available Cash Advance limit\nprovisions above in this section apply. Your World Mastercard account\non your Credit Card account. Convenience Checks are available from us\nmay provide additional benefits and features and may have additional\nupon request, or we may periodically provide Convenience Checks as a\ncharges that will be described in separate documentation for the World\nspecial promotion.\nIf you use a Convenience Check available upon\nMastercard program, all of which is incorporated by this reference. You\nrequest, all of the terms of this Agreement applicable to Cash Advances will\nauthorize us to enroll you in benefits and programs that we may offer from\napply to the Convenience Check. If we offer a special promotion, we will\ntime to time associated with your account, including without limitation\nexplain to you any special terms of the use of the Convenience Checks.\nbenefits and programs that we offer exclusively to holders of World\nThe Cash Advance from a Convenience Check will be posted to your Credit\nMastercard accounts. Accessing some of the benefits and services under\nCard account when the Convenience Check reaches us. The Convenience\nthe World Mastercard program may involve charges to your account. You\nCheck fee described on page 1 of this Agreement will be imposed on each\nare responsible for all such charges, even if your account has been closed\nConvenience Check you write. If you stop payment on a Convenience\nfor any reason.\nCheck, your Credit Card account will be charged the fee shown in the\n4. Temporary Reduction of Revolve Line. Merchants, such as car rental\nparagraph of this Agreement called \xe2\x80\x9cOther Fees."\ncompanies and hotels, may request prior credit approval from us for an\nFrom time to time we may offer a special balance transfer promotion,\nestimated amount of your Purchases, even if you ultimately do not pay by\nwhich is an opportunity to make a Cash Advance to pay the balance on\ncredit. If our approval is granted, your available Revolve Line will\nanother loan you have, by transferring the other loan balance to your Credit\ntemporarily be reduced by the amount authorized by us. If you do not\nCard account. If we offer a balance transfer promotion, at that time we will\nultimately use your Credit Card account to pay for your Purchases or if the\nexplain to you the terms of the promotion. Unless we tell you otherwise, all\nactual amount of Purchases posted to your Credit Card account varies from\nthe references in this Agreement to balance transfers will apply to any\nthe estimated amount approved by us, it is the responsibility of the\nspecial balance transfer promotion offered.\nmerchant, not us, to cancel the prior credit approval based on the estimated\nYour Card may also be used in certain automated terminals to gain\namount. The failure of the merchant to cancel a prior credit approval may\naccess to your First Hawaiian Bank checking, savings, and Credit Card\nresult in a temporary reduction of your available Revolve Line, but will not\naccounts.\nincrease the amount you owe us under this Agreement.\nYour Card and Credit Card account may be used only for valid and\n5. Agreement to Pay. When you use your Card or Credit Card account or\nlawful purposes. You may not use your Card (i) to make Purchases or\nwhen you permit anyone to use it, you agree to pay the amount of any and\nobtain Cash Advances for any illegal transaction, or (ii) for any internet or\nall Purchases or Cash Advances (including Purchases and/or Cash\nonline gambling transactions. Transactions for online or internet gambling\nAdvances which may have been made in violation of this Agreement),\nwill not be approved. If you use your Card for any illegal or prohibited\nFINANCE CHARGES (including but not limited to interest, Foreign\ntransaction, this Agreement also applies to such transaction and you agree\nTransaction Fees, Cash Advance, Balance Transfer, and Convenience\nto pay any and all amounts related to such transaction pursuant to the\nCheck Transaction Fees), late charges, membership fees, and other fees\nterms of this Agreement. We may, in our sole discretion, restrict the use of\nthat may become due as shown on the periodic statement. If we accept a\nor terminate your Card if we notice excessive use of your Card or other\npayment from you in excess of your outstanding balance, your available\nsuspicious activities or if we reasonably believe the Card is or has been\nRevolve Line will not be increased by the amount of the overpayment nor\nused for one or more illegal or prohibited transactions.\nwill we be required to authorize transactions for an amount in excess of\nWe have no responsibility for the failure of any machine, merchant,\nyour Revolve Line.\nfinancial institution, or any other party to honor your Card. If you use or\n6. Periodic Statement. Each month we will send you a periodic\nallow someone else to use the Card or Credit Card account for any other\nstatement for each Credit Card account you have with us covering the\npurpose, you will be responsible for such use and may be required to\nprevious billing period. We may not send you a statement if your balance is\nreimburse us for all amounts or expenses we pay as a result of such use.\nzero and there were no transactions during the billing period. The statement\n2. Special Priority Destinations Program. The Priority Destinations\nwill have a "Statement Closing Date" and a "Payment Due Date," and will\nProgram (the "Program") is the reward benefits program established and\nshow, among other things, your "Previous Balance," your "New Balance,"\nmaintained by Bank with redemption services provided by a third party\nand your minimum monthly payment, which will be shown as "Minimum\nprovider selected by Bank. In addition to the other terms and conditions of\nPayment Due." The periodic statement is part of this Agreement. If you\nthis Agreement, the terms and conditions set forth in the Priority\nchoose to receive periodic statements electronically, the statements will be\nDestinations Program Agreement provided to you with this Agreement shall\ndeemed to have been sent to you when they are first made available for\nalso apply to your Card.\nyou to view online.\nBank reserves the right to terminate the Program or to change the\n7. Payment. You must make a payment by the "Payment Due Date." You\nterms and conditions of the Program at any time without prior notice. This\nhave two choices: You may pay the entire "New Balance" or you may pay in\nmeans Bank may change, among other things, the rules regarding\ninstallments by paying at least the "Minimum Payment Due." All payments\nredemption of miles or the restrictions on the use of rewards. Bank also\nmust be made in the lawful money of the United States of America. When\nhas the right to add or delete benefits and services to your Credit Card\nyour payment is properly received, we will apply your Minimum Payment as\naccount at any time.\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 Credit Limit/Revolve Line minus the sum of\navailable Revolve Line; however, in the event of payment by personal or\nyour New Balance, 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 Revolve Line, and we\npart of the Revolve Line until we have collected the funds by which you\nreserve 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\'s 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\nCredit Limit/Revolve Line which we establish from time to time for you\npayment may be delayed.\nbased on our established evaluation criteria. If we do approve those\nFrom time to time, we may let you skip or reduce one or more monthly\ntransactions, those transactions will not increase your Revolve Line. You\npayments during a year and/or we may temporarily reduce or eliminate\nare responsible for repaying all over-limit amounts and FINANCE\ncertain FINANCE CHARGES on all or a portion of your Credit Card account\nCHARGES will be assessed on 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"Minimum Payment Due" must be received by us by the "Payment Due\naccount.\nDestinations World\nPage 2 of 6\nRev. Date 06/01/20\n\n\x0cDate." 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 "Minimum Payment Due" 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"New Balance"\n$ 0.01 \xe2\x80\x93 $24.99\n$25.00 or more\n\n"Minimum Payment Due"\nEntire "New Balance"\n$25 or 3% of "New Balance",\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 "Average Daily Balance" of\nPurchases and "Average Daily Balance" of Cash Advances, including\ncurrent transactions.\na. Average Daily Balance. To get the "Average Daily Balance" 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 "Average\nDaily Balance" 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 "Average Daily Balances."\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 "Variable\nRate." 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 ANNUAL PERCENTAGE RATE for transfers of\naccount balances you have with another creditor ("Balance Transfers")\nis a fixed rate as shown on page 1 of this Agreement and will be in\neffect for eight billing cycles beginning with the billing cycle on which the\nbalance transfer appears. The Daily Periodic Rate for Balance\nTransfers during the eight billing cycle period is .0137%. The Daily\nPeriodic Rate for Balance Transfers after the eight billing cycle period\nbased on the Current Index and Rate Spread described below will be\n.0445% and .0390% and the corresponding ANNUAL PERCENTAGE\nRATE will be 16.24% and 14.24% for Personal World Accounts or\nPriority Banking World Accounts, respectively.\nThe ANNUAL\nPERCENTAGE RATES for Balance Transfers after the eight billing\ncycle period will change to the current rate shown on page 1 of this\nAgreement. The current ANNUAL PERCENTAGE RATE for Purchases\nis shown on page 1 of this Agreement. The Daily Periodic Rate for\nPurchases is .0445% for Personal World Accounts and .0390% for\nPriority Banking World Accounts. 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 "Change Date."\nChanges will be based on changes in the "Index." The Index is the\nhighest U.S. Prime Rate published in the "Money Rates" 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 "Rate Spread"\nof 12.99 percentage points for Personal World Accounts and 10.99\npercentage points for Priority Banking World Accounts. (The Rate\nSpread is also called the Margin.) Immediately before each Change\nDate we will determine the new interest rate for Purchases by adding\nthe Rate Spread to the Current Index. For example, for Personal World\nAccounts, if the Current Index was 3.25% and the Rate Spread 12.99\npercentage points, the ANNUAL PERCENTAGE RATE would be\n16.24% and by dividing this percentage figure by 365, we would\ncompute a Daily Periodic Rate of .0445%. By way of further example,\nfor Priority Banking World Accounts, if the Rate Spread is 10.99\npercentage points, 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\nDestinations World\n\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\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 in\na 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.\nWe will charge your Credit Card account\nwhen appropriate the Cash Advance, Balance Transfer and Convenience\nCheck fees shown on page 1, each of which are FINANCE CHARGES.\nEach of these fees will be added to your Credit Card balance when\ncharged.\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\n\xef\x82\xa8 International\nN/A\n$5.00\n\xe2\x80\xa2 Balance Inquiry\nN/C\n$ 1.00\n\xe2\x80\xa2 Checking Account Statement\n$1.50\nN/A\nNote: N/C = No Charge; N/A = Not Applicable; Domestic = at an ATM in\nCanada, U.S. and its protectorates and territories, including Guam and the\nCommonwealth of the Northern Mariana Islands (CNMI).\nPayable at Time of Request\n\xe2\x80\xa2 Mastercard or Visa Temporary Replacement Card\nissued by Mastercard International or Visa Travel\nService Center. Temporary card is good for\napproximately one month and cannot be used in\nATMs\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 $1,000 or your available revolve line, whichever is\nless.\n\xe2\x80\xa2 Copy of Sales Draft\n\xe2\x80\xa2 Research Fee\n\xe2\x80\xa2 Statement Copy Fee\n\xe2\x80\xa2 Convenience Check Stop Payment Order/Return\nConvenience Check Fee\n\xe2\x80\xa2 Listing in Combined Warning Bulletin Per Region\n\n$ 95.00\n$125.00\n$ 50.00\n\n$ 5.00\n$ 20.00/hour\n$ 5.00\n$ 16.00\n$ 10.00\n\nPayable at Time of Delivery\n\xe2\x80\xa2 Replacement Card issued by First Hawaiian Bank\n\xe2\x80\xa2 Returned Payment Check (due to insufficient funds,\nstop payment order on your check, etc.)\n\n$ 20.00\nUp to $35\n\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. 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 ("Default") happens:\n\nPage 3 of 6\n\nRev. Date 06/01/20\n\n\x0ca. If you miss a payment under this Agreement or any other obligation\nd. Fees for Using Automated Terminal Services. The fees for using\nyou owe us; or\ncertain automated terminal services are disclosed in the paragraph of\nb. If you violate any terms of this Agreement.\nthis Agreement called "Other Fees."\nIf 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 "Minimum Payment Due") is not received within 60 days of\nsecret code or record it on the Card. The Card remains the property of\nthe payment due date, we may increase your ANNUAL PERCENTAGE\nthe Bank and can be revoked and repossessed at any time. You must\nRATE for Purchases and Cash Advances and any applicable promotional\nreturn it to us when asked.\nrates to a .0493% Daily Periodic Rate and an ANNUAL PERCENTAGE\nf. Time of Transaction. All transactions are subject to the time\nRATE (\xe2\x80\x9cPenalty APR\xe2\x80\x9d) of 18.00% fixed for the entire outstanding balance.\nnecessary for us to process them. Any transaction made on a holiday or\nWe will send you advance written notice that your ANNUAL PERCENTAGE\nafter regular banking hours may be held by us until the next business\nRATE will be increasing. Your payments under this Agreement, including\nday. Any transaction involving an account or matter located at any other\nthe amount of the FINANCE CHARGE, will increase as a result of the\noffice of the Bank is subject to receipt at the other office and the time\nincrease in your Daily Periodic Rate and ANNUAL PERCENTAGE RATE,\nnecessary to process it.\nand any such increase in your Daily Periodic Rate and ANNUAL\ng. Documentation of Transfers.\nPERCENTAGE RATE will be shown on your periodic statement. We will\ni. Terminal Transfers. You can get a receipt at the time you\nreinstate your Daily Periodic Rate and ANNUAL PERCENTAGE RATE to\nmake any transfer at a First Hawaiian ATM, Network ATM, or\nthe rate set forth in this Agreement once you have made six consecutive\nPOS terminal.\nMinimum Payments on or before the due date, starting with the first billing\nii. Periodic Statements. If you have a checking account, you will\ncycle after the Penalty APR is imposed. If we take such lesser action\nget a monthly checking account statement. If you have\ninitially, we reserve the right to terminate your Credit Card account and\narranged for electronic access to your savings account, you\naccelerate all amounts due under this Agreement regardless of whether any\nwill get a quarterly savings account statement. However, if\nadditional events have occurred that would permit termination and\nthere are any transfers in a particular month, you will get a\nacceleration.\nsavings statement that month as well.\nIf you have a World Mastercard and fail to comply with any of the\nh. In Case of Errors or Questions About Your Electronic\nspecial terms in this Agreement applicable to the World Mastercard\nTransfers Involving Your Checking or Savings Account. Call or\naccount, you will be in Default under this Agreement and we will have all of\nwrite to us at the telephone number and address stated in the\nthe rights set forth in this Agreement as a result of the Default. In addition\nparagraph of this Agreement called "Where to Call or Write" as soon as\nto all of those rights, we may in our sole and absolute discretion convert\nyou can if you think your statement or receipt is wrong or if you need\nyour World Mastercard account to any other type of account that we may\nmore information about a transfer listed on the statement or receipt. We\noffer. Any such conversion may cause the elimination of the benefits\nmust hear from you no later than 60 days after we sent you the first\nassociated with the World Mastercard account without prior notice to you.\nstatement on which the problem or error appeared. When reporting an\n17. Automated Terminal Services Involving Your Checking or Savings\nerror or requesting more information:\nAccount. (Some of these services are only available if your Credit Card\ni. Tell us your name and account number.\naccount is linked to your checking or savings account with us.)\nii. Describe the error or the transfer you are unsure about, and\na. Automated Terminals. You may use your Card in the following\nexplain as clearly as you can why you believe it is an error or\nautomated terminals:\nwhy you need more information.\ni. Our First Hawaiian automated teller machines (First Hawaiian\niii. Tell us the dollar amount of the suspected error.\nATM").\nIf you tell us orally, we may require that you send us your complaint\nii. Any other automated teller machine (including any ATM we\nor question in writing within 10 business days. We will determine\nmay own besides First Hawaiian ATM) that is participating in a\nwhether an error occurred within 10 business days after we hear from\nnetwork and accepts our Card ("Network ATM") and\nyou and will correct any error promptly.\niii. Any point-of-sale terminal that accepts our Card ("POS\nWe will tell you the results of our investigation within 10 business\nterminal").\ndays after we hear from you and will correct any error promptly. If we\nb. Services Available at an Automated Terminal.\nneed more time, however, we may take up to 45 days to investigate\ni. You may use your Card at a First Hawaiian ATM to:\nyour complaint or question. If we decide to do this, we will re-credit your\n\xe2\x80\xa2\nWithdraw cash from your checking or savings account.\naccount within 10 business days for the amount you think is in error, so\n\xe2\x80\xa2\nMake deposits to your checking or savings account.\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\n\xe2\x80\xa2\nMove funds between your checking and savings\nquestion in writing and we do not receive it within 10 business days, we\naccounts.\nmay not re-credit your account.\n\xe2\x80\xa2\nGet your checking, savings, or Credit Card account\nWe will tell you the results within three business days after\nbalances. These balances may not include some\ncompleting our investigation. If we determine that there was no error,\ntransactions recently made in your account.\nwe will send you a written explanation. You may ask for copies of\n\xe2\x80\xa2\nMove funds from your Credit Card account to your\ndocuments that we used in our investigation.\nchecking account.\ni. Our Liability for Failure to Make Transfers. If we do not properly\n\xe2\x80\xa2\nGet a Cash Advance from your Credit Card account.\ncomplete a transfer to or from your account on time or in the correct\n\xe2\x80\xa2\nGet an interim statement printout of all posted\namount according to our agreement with you, we will be liable for your\ntransactions on your checking account since the last\nlosses or damages. However, there are some exceptions. We will not\nregular statement period up to the previous business\nbe liable, for instance:\nday.\ni. If, through no fault of ours, you do not have enough money in\nii. You may use your Card at any Network ATM to (some of these\nyour account to make the transfer;\nservices may not be available at all Network ATMs):\nii.\nIf\nthe transfer would go over the credit limit on your overdraft\n\xe2\x80\xa2\nWithdraw cash from your checking or savings account.\nline;\n\xe2\x80\xa2\nGet a Cash Advance from your Credit Card account.\niii. If the automated terminal where you are making the transfer\n\xe2\x80\xa2\nGet your checking, savings, or Credit Card account\ndoes not have enough cash;\nbalances. These balances may not include some\niv. If the automated terminal was not working properly and you\ntransactions recently made in your account.\nknew about the breakdown when you started the transfer;\niii. You may use your Card at a POS terminal to purchase certain\nv. If circumstances beyond our control (such as fire or flood)\nmerchandise. The amount of your purchase will automatically\nprevent the transfer, despite reasonable precautions we have\nbe charged to your Credit Card account as a Purchase.\ntaken; or\nc. Limits of Automated Terminal Services.\nvi. If your account does not contain enough money because we\ni. Withdrawals and Cash Advances. You may withdraw cash or\nhave placed a hold on some items or the account is subject to\nget a Cash Advance from a First Hawaiian ATM up to an\nlegal process.\naggregate amount of $500 each calendar day, provided that\nvii. There may be other exceptions.\nthis amount does not exceed your available account balance or\nj. Disclosing Account Information to Third Parties. We may\nRevolve Line. This amount may be less for cash withdrawals\ndisclose information to third parties about your account or the transfers\nand Cash Advances from Network ATMs. You authorize us to\nyou make:\ncharge any withdrawal by use of your Card to your checking\ni. Where it is necessary for completing transfers;\naccount or savings account as though you had specifically\nii. In order to verify the existence and condition of your account for\nsigned a withdrawal authorization. If there are insufficient funds\na third party, such as a credit bureau or merchant;\nin an account to cover such a withdrawal, you agree that we\niii. In order to comply with government agency or court orders; or\nmay treat the amount of such withdrawal either as a Cash\niv. If you give us your written permission.\nAdvance or as an overdraft that you will be obligated to pay us\n18. ATM Safety. It is important to be aware of your surroundings when\non demand.\nusing an ATM, especially at night. When you are using an ATM, you should\nii. Deposits. You may deposit up to $50,000 per transaction using\nsecure any cash you withdraw before leaving the ATM. If you need to use\na First Hawaiian ATM. All deposits made with your Card and\nan ATM at night, consider taking someone you know with you, and only use\nplaced in a First Hawaiian ATM are subject to receipt by us on\nan ATM that is well-lit and unobstructed from view. If anything appears to\nopening the First Hawaiian ATM and verification of the items\nbe suspicious, do not use the ATM. Always call 911 in the event of an\nand the amounts.\nemergency or to report any suspicious activity. If you have any questions or\niii. Moving Funds. You may move up to $50,000 per transaction\ncomments about the safety of any of our ATMs, please call us on Oahu at\nbetween your checking account and savings account or from\n(808) 844-4444 or 1-888-844-4444 from the neighbor islands, Guam, the\nyour Credit Card account to your checking account using a\nCNMI or Continental U.S.\nFirst Hawaiian ATM.\nDestinations World\nPage 4 of 6\nRev. Date 06/01/20\n\n\x0c19. 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 "Where to Call or Write," 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 you\nfrom telling us, we will extend the time periods.\n20. 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.\n21. Our Business Days. Our business days are Monday through Friday,\nexcept for bank holidays.\n22. 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.\n23. 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\nSecurity Agreement Supplement to this Agreement.\n24. Collection. You promise to pay all collection costs, including, without\nlimitation mailing and delivery charges, reasonable lawyers\' fees and court\ncosts at trial and on appeal, all as permitted by law.\n25. 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\n\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.\n26. 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.\n27. 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.\nExcept as otherwise provided herein, we will send you advance notice of\nany change to this Agreement. If the change affects use of your Card in an\nautomated terminal, we will give you advance notice of the change unless\nthe change has to be made immediately for security reasons. A notice of\nchange we send you will describe any right you have to opt out of a\nparticular change, if any, and will describe whether a particular change\naffects your outstanding balance. We do not have to send a notice of the\nchange if it favors you, such as by reducing rates, increasing the maximum\nRevolve Line, etc.\n28. 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.\n29. 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.\n30. 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.\n31. 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.\n32. 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\xe2\x80\xa2\n\nWhat To Do If You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at:\nFirst Hawaiian Bank\nP.O. Box 1959\nHonolulu, Hawaii 96805\n\n\xe2\x80\xa2\n\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a\nmistake.\nYou must contact us:\n\xe2\x80\xa2\nWithin 60 days after the error appeared on your statement.\n\xe2\x80\xa2\nAt least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you think is\nwrong.\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\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 revolve line.\nAfter we finish our investigation, one of two things will happen:\nDestinations World\n\nIf we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\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.\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.\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.\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.\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\n\nPage 5 of 6\n\nRev. Date 06/01/20\n\n\x0cWhile 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\nDestinations World\n\nPage 6 of 6\n\nRev. Date 06/01/20\n\n\x0c'