b'PRIORITY REWARDSSM CREDIT CARD AGREEMENT\n(Personal Accounts)\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n16.24%\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.\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.\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 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $40\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new Purchases).\xe2\x80\x9d\nSee the paragraph of this Agreement titled \xe2\x80\x9cComputing Your Interest Charge\xe2\x80\x9d for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in this\nAgreement.\nSEE NEXT PAGE FOR IMPORTANT INFORMATION ABOUT YOUR ACCOUNT.\n\nPR \xe2\x80\x93 Personal\n\nPage 1 of 5\n\nRev. Date 06/01/20\n\n\x0cThis Agreement will cover any Platinum Mastercard\xc2\xae, Platinum Visa\xc2\xae,\nauthorizations to make Purchases or obtain Cash Advances if we consider\nWorld Mastercard or World Elite Mastercard account (individually or\nit necessary to verify collection of Payments received on your Credit Card\ncollectively called "Credit Card account") you have with us. By requesting or\naccount.\naccepting a Credit Card account, you agree to be bound by all the terms of\nWorld/World Elite Mastercard Revolve Line. Amounts over your\nthis Agreement. In this Agreement, the words "you" or "your" mean\nRevolve Line may be referred to as a non-revolving line. The Revolve Line\neveryone who has requested or accepted a Credit Card account with us.\nis the maximum amount upon which you may defer payment on your\nThe words "we," "us," "our," or "Bank" mean First Hawaiian Bank.\naccount, subject to the minimum required payment that must always be\n1. Use. Your Platinum Mastercard, Platinum Visa card, World Mastercard\npaid on time. There is no pre-set spending limit for your account. With no\nor World Elite Mastercard (individually or collectively called "Card") may be\npre-set spending limit, you have the flexibility to make purchases in excess\nused as a credit card for purchases of goods or services from participating\nof your stated Revolve Line. However, having no pre-set spending limit\nmerchants ("Purchases") or to get Cash Advances from us or any other\ndoes not mean unlimited spending. Instead, each charge is evaluated\nfinancial institution displaying the "Mastercard" or "Visa" logo, or to\nbased on the spending and payment patterns on the account, merchant\npurchase certain items such as traveler\'s cheques, foreign currency, money\ntype, information from consumer credit reports obtained from credit bureaus\norders, wire transfers, lottery tickets, or (except as noted below) funds to be\nincluding your experience with other creditors, and our understanding of\nused for wagers or gambling (all of which are collectively referred to as\nyour resources. Without limiting the foregoing, we may also decline an\n"Cash Advances") up to your Credit Limit/Revolve Line.\nauthorization request for any transaction at any time as described in the\nYou can also obtain a Cash Advance by writing a special check\nsection of this Agreement called "Authorizing Transactions." We may also\n(\xe2\x80\x9cConvenience Check\xe2\x80\x9d), which accesses the available Cash Advance limit\nrequest additional information from you at any time to evaluate a\non your Credit Card account. Convenience Checks are available from us\ntransaction request or your use of the account in general. In addition, all of\nupon request, or we may periodically provide Convenience Checks as a\nthe provisions above in this section apply. Your World/World Elite\nspecial promotion.\nIf you use a Convenience Check available upon\nMastercard account may provide additional benefits and features and may\nrequest, all of the terms of this Agreement applicable to Cash Advances will\nhave additional charges that will be described in separate documentation\napply to the Convenience Check. If we offer a special promotion, we will\nfor the World/World Elite Mastercard program, all of which is incorporated\nexplain to you any special terms of the use of the Convenience Checks.\nby this reference. You authorize us to enroll you in benefits and programs\nThe Cash Advance from a Convenience Check will be posted to your Credit\nthat we may offer from time to time associated with your account, including\nCard account when the Convenience Check reaches us. The Convenience\nwithout limitation benefits and programs that we offer exclusively to holders\nCheck fee described on page 1 of this Agreement will be imposed on each\nof World/World Elite Mastercard accounts. Accessing some of the benefits\nConvenience Check you write. If you stop payment on a Convenience\nand services under the World/World Elite Mastercard program may involve\nCheck, your Credit Card account will be charged the fee shown in the\ncharges to your account. You are responsible for all such charges, even if\nparagraph of this Agreement called \xe2\x80\x9cOther Fees."\nyour account has been closed for any reason.\nFrom time to time we may offer a special balance transfer promotion,\n4. Temporary Reduction of Credit Limit/Revolve Line. Merchants, such\nwhich is an opportunity to make a Cash Advance to pay the balance on\nas car rental companies and hotels, may request prior credit approval from\nanother loan you have, by transferring the other loan balance to your Credit\nus for an estimated amount of your Purchases, even if you ultimately do not\nCard account. If we offer a balance transfer promotion, at that time we will\npay by credit. If our approval is granted, your available Credit Limit/Revolve\nexplain to you the terms of the promotion. Unless we tell you otherwise, all\nLine will temporarily be reduced by the amount authorized by us. If you do\nthe references in this Agreement to balance transfers will apply to any\nnot ultimately use your Credit Card account to pay for your Purchases or if\nspecial balance transfer promotion offered.\nthe actual amount of Purchases posted to your Credit Card account varies\nYour Card may also be used in certain automated terminals to gain\nfrom the estimated amount approved by us, it is the responsibility of the\naccess to your checking, savings, and Credit Card accounts.\nmerchant, not us, to cancel the prior credit approval based on the estimated\nYour Card and Credit Card account may be used only for valid and\namount. The failure of the merchant to cancel a prior credit approval may\nlawful purposes. You may not use your Card (i) to make Purchases or\nresult in a temporary reduction of your available Credit Limit/Revolve Line,\nobtain Cash Advances for any illegal transaction, or (ii) for any internet or\nbut will not increase the amount you owe us under this Agreement.\nonline gambling transactions. Transactions for online or internet gambling\n5. Agreement to Pay. When you use your Card or Credit Card account or\nwill not be approved. If you use your Card for any illegal or prohibited\nwhen you permit anyone to use it, you agree to pay the amount of any and\ntransaction, this Agreement also applies to such transaction and you agree\nall Purchases or Cash Advances (including Purchases and/or Cash\nto pay any and all amounts related to such transaction pursuant to the\nAdvances which may have been made in violation of this Agreement),\nterms of this Agreement. We may, in our sole discretion, restrict the use of\nFINANCE CHARGES (including but not limited to interest, Foreign\nor terminate your Card if we notice excessive use of your Card or other\nTransaction Fees, Cash Advance, Balance Transfer, and Convenience\nsuspicious activities or if we reasonably believe the Card is or has been\nCheck Transaction Fees), late charges, membership fees, and other fees\nused for one or more illegal or prohibited transactions.\nthat may become due as shown on the periodic statement. If we accept a\nWe have no responsibility for the failure of any machine, merchant,\npayment from you in excess of your outstanding balance, your available\nfinancial institution, or any other party to honor your Card. If you use or\nCredit Limit/Revolve Line will not be increased by the amount of the\nallow someone else to use the Card or Credit Card account for any other\noverpayment nor will we be required to authorize transactions for an\npurpose, you will be responsible for such use and may be required to\namount in excess of your Credit Limit/Revolve Line.\nreimburse us for all amounts or expenses we pay as a result of such use.\n6. Periodic Statement. Each month we will send you a periodic\n2. Special Priority Rewards Program. The Priority Rewards Program\nstatement for each Credit Card account you have with us covering the\n(the "Program") is the reward benefits program established and maintained\nprevious billing period. We may not send you a statement if your balance is\nby Bank with redemption services provided by a third party provider\nzero and there were no transactions during the billing period. The statement\nselected by Bank. In addition to the other terms and conditions of this\nwill have a "Statement Closing Date" and a "Payment Due Date," and will\nAgreement, the terms and conditions set forth in the Priority Rewards\nshow, among other things, your "Previous Balance," your "New Balance,"\nProgram Agreement provided to you with this Agreement shall also apply to\nand your minimum monthly payment, which will be shown as "Minimum\nyour Card.\nPayment Due." The periodic statement is part of this Agreement. If you\nBank reserves the right to terminate the Program or to change the\nchoose to receive periodic statements electronically, the statements will be\nterms and conditions of the Program at any time without prior notice. This\ndeemed to have been sent to you when they are first made available for\nmeans Bank may change, among other things, the rules regarding\nyou to view online.\nredemption of points or the restrictions on the use of rewards. Bank also\n7. Payment. You must make a payment by the "Payment Due Date." You\nhas the right to add or delete benefits and services to your Credit Card\nhave two choices: You may pay the entire "New Balance" or you may pay in\naccount at any time.\ninstallments by paying at least the "Minimum Payment Due." All payments\n3. Credit Limit/Revolve Line. We will notify you of your Credit\nmust be made in the lawful money of the United States of America. When\nLimit/Revolve Line for each Credit Card account you have with us, which is\nyour payment is properly received, we will apply your Minimum Payment as\nthe total amount of credit we agree to extend to you at any one time. Your\npermitted by law. If you make a payment in excess of the Minimum\nCredit Limit/Revolve Line will also include a separate limit for Cash\nPayment, the excess amount will be applied first to your balance with the\nAdvances. Your Credit Limit/Revolve Line and Cash Advance limit are\nhighest ANNUAL PERCENTAGE RATE. Any remaining amount of your\nlisted on your monthly periodic statement. Your available Credit\nexcess payment will be applied to the balance with the next highest\nLimit/Revolve Line is the amount of your total Credit Limit/Revolve Line\nANNUAL PERCENTAGE RATE, and so on. Upon confirmation of\nminus the sum of your New Balance, any authorized Purchases, Cash\ncollection, we will add any Cash Advances or Purchases repaid to your\nAdvances and Balance Transfers that have not posted to your Account, and\navailable Credit Limit/Revolve Line; however, in the event of payment by\nany payments that have not cleared. You may apply to increase your\npersonal or business check, we may delay replenishing your available\nCredit Limit/Revolve Line, and we reserve the right to lower it without prior\nCredit Limit/Revolve Line until your check clears. This means that you may\nnotice to you.\nnot have access to all or part of the Credit Limit/Revolve Line until we have\nYou agree that you will not let your total charges, including Purchases,\ncollected the funds by which you have made payment on the account. If\nCash Advances, FINANCE CHARGES (including but not limited to interest,\npayments are made by certified or cashier\'s check, electronic funds\nForeign Transaction Fees, Cash Advance, Balance Transfer, and\ntransfer, automated clearing house, or other means that provide immediate\nConvenience Check Transaction Fees), late charges, membership fees,\ncollected funds, we may waive the right to delay restoration of the Credit\nand other fees that may be due, exceed your Credit Limit/Revolve Line. If\nLimit/Revolve Line.\nyou exceed your Credit Limit/Revolve Line, you will be considered to have\nPayments must be mailed to the BankCard Center address specified in\nexceeded your Credit Limit/Revolve Line for all purposes of the Agreement,\nyour statement. Payments must reach our BankCard Center by 5:00 p.m.\nand we may reduce the available Credit Limit/Revolve Line of any other\nHST during our regular business day in order to be credited on that date.\nCredit Card account you have with us until such time as the excess amount\nPayments received after the cutoff time of 5:00 p.m. HST will be credited as\nis paid.\nof the following business day. If you make a payment in person at our\nYou are responsible for keeping track of your New Balance and your\nbranches with the assistance of a branch employee prior to regular closing\navailable Credit Limit/Revolve Line. We may but are not required to\ntime for the branch, the payment will be credited as of the date received. If\napprove transactions above your Credit Limit/Revolve Line up to a certain\nyou make a payment by any means other than by mail to our BankCard\npercentage of your Credit Limit/Revolve Line which we establish from time\nCenter (including payments made by using FHB Online), crediting of your\nto time for you based on our established evaluation criteria. If we do\npayment may be delayed.\napprove those transactions, those transactions will not increase your Credit\nFrom time to time, we may let you skip or reduce one or more monthly\nLimit/Revolve Line. You are responsible for repaying all over-limit amounts\npayments during a year and/or we may temporarily reduce or eliminate\nand FINANCE CHARGES will be assessed on those amounts.\ncertain FINANCE CHARGES on all or a portion of your Credit Card account\nFor security reasons, we may limit the number or amount of Purchase,\nbalance or offer you other special terms. If we do, we will advise you of the\nCash Advance, and/or Convenience Check transactions that may be\nscope and duration of the applicable skip or promotional feature. When the\naccomplished with your Card or Credit Card account. We may also limit\nPR \xe2\x80\x93 Personal\nPage 2 of 5\nRev. Date 06/01/20\n\n\x0cskip or promotional feature ends, your regular rates and all the terms of the\nAgreement will resume.\n8. Minimum Payment\xe2\x80\x93Late Charge. At least the amount of the\n"Minimum Payment Due" must be received by us by the "Payment Due\nDate." 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 current ANNUAL PERCENTAGE RATE for\nPurchases is shown on page 1 of this Agreement. The Daily Periodic\nRate for Purchases is .0445%. 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\na variable rate equal to the sum of the Current Index plus a "Rate\nSpread" of 12.99 percentage points. (The Rate Spread is also called the\nMargin.) Immediately before each Change Date we will determine the\nnew interest rate for Purchases by adding the Rate Spread to the\nCurrent Index. For example, if the Current Index was 3.25% and the\nRate Spread 12.99 percentage points, the ANNUAL PERCENTAGE\nRATE would be 16.24% and by dividing this percentage figure by 365,\nwe would compute a Daily Periodic Rate of .0445%. The new interest\nrate for Purchases will become effective at the start of your first billing\ncycle after the Change Date. The ANNUAL PERCENTAGE RATE will\nnot exceed the maximum rate permitted by law. The effect of any\nincrease in the ANNUAL PERCENTAGE RATE and the Daily Periodic\nRate for Purchases would be to increase the amount of interest you\nmust 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\nor promotional ANNUAL PERCENTAGE RATE is in effect in the\nPR \xe2\x80\x93 Personal\n\ndocuments that accompany your Credit Card or in the materials we\nsend you about the offer after you receive your Credit Card.\ne. Military Lending Act Disclosures. Federal law provides important\nprotections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent.\nThis rate must include, as applicable to the credit transaction or\naccount; the costs associated with credit insurance premiums; fees for\nancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specified\ncredit transactions or accounts); and any participation fee charged\n(other than certain participation fees for a credit card account).\nAdditional oral disclosures are available at 1-877-640-2337.\n11. Minimum Interest Charge. If the interest charge for all balances on\nyour Credit Card account is less than $1.00, we will charge you the\nMinimum Interest Charge shown on page 1. This charge is in lieu of any\ninterest charge\n12. Foreign Transaction Fee. If you make a Purchase or Cash Advance 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 and Convenience Check fees shown\non page 1, each of which are FINANCE CHARGES. Each of these fees will\nbe added to your Credit Card balance when charged.\n14. Other Fees. You also agree to pay us the appropriate fees listed below\nand shown on page 1, which may be amended from time to time by us. You\nauthorize us to charge your Credit Card account (or the account from which\nyou obtained money or information in the case of an automated terminal\ntransaction) for fees due to us. We reserve the right to waive these fees\nfrom time to time. If we incur special expenses on your Credit Card account\ndue to a request made by you, we may also charge you for these expenses.\nAutomated Teller Machine (ATM) Transaction Fees\n(For cards with ATM deposit account access)\nAt a First\nAt a Network\nHawaiian ATM\nATM\n\xe2\x80\xa2 Deposit Account Withdrawal\nN/C\n$3.00\n\xef\x82\xa8 Domestic\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 $1,000 or your available credit limit/revolve line,\nwhichever is less.\n\xe2\x80\xa2 Copy of Sales Draft\n\xe2\x80\xa2 Research Fee\n\xe2\x80\xa2 Statement Copy Fee\n\xe2\x80\xa2 Convenience Check Stop Payment Order/Return\nConvenience Check Fee\n\xe2\x80\xa2 Listing in Combined Warning Bulletin Per Region\n\n$ 95.00\n$125.00\n$ 50.00\n\n$ 5.00\n$ 20.00/hour\n$ 5.00\n$ 16.00\n$ 10.00\n\nPayable at Time of Delivery\n\xe2\x80\xa2 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. 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 ("Default") happens:\na. If you miss a payment under this Agreement or any other obligation\nyou owe us; or\nb. If you violate any terms of this Agreement.\nIf you are in Default, we may terminate your Credit Card account, make\nno more additional loans or advances, and require you to immediately\nrepay the entire unpaid balance of all amounts due on your Credit Card\naccount, including but not limited to all loan amounts, late charges and\nother charges assessed but not paid, and all of the FINANCE CHARGES\naccrued but not paid. If we terminate your Credit Card account, your\nobligation to repay the amounts you already owe us would continue.\nAt our option, we may also take action short of terminating your Credit\n\nPage 3 of 5\n\nRev. Date 06/01/20\n\n\x0cCard account. If your required Minimum Payment (shown on your periodic\nmechanical or operating failure in connection with the use of your Card.\nstatement as "Minimum Payment Due") is not received within 60 days of\nDo not permit anyone else to use your Card and do not disclose your\nthe payment due date, we may increase your ANNUAL PERCENTAGE\nsecret code or record it on the Card. The Card remains the property of\nRATE for Purchases and Cash Advances and any applicable promotional\nthe Bank and can be revoked and repossessed at any time. You must\nrates to a .0493% Daily Periodic Rate and an ANNUAL PERCENTAGE\nreturn it to us when asked.\nRATE (\xe2\x80\x9cPenalty APR\xe2\x80\x9d) of 18.00% fixed for the entire outstanding balance.\nf. Time of Transaction. All transactions are subject to the time\nWe will send you advance written notice that your ANNUAL PERCENTAGE\nnecessary for us to process them. Any transaction made on a holiday or\nRATE will be increasing. Your payments under this Agreement, including\nafter regular banking hours may be held by us until the next business\nthe amount of the FINANCE CHARGE, will increase as a result of the\nday. Any transaction involving an account or matter located at any other\nincrease in your Daily Periodic Rate and ANNUAL PERCENTAGE RATE,\noffice of the Bank is subject to receipt at the other office and the time\nand any such increase in your Daily Periodic Rate and ANNUAL\nnecessary to process it.\nPERCENTAGE RATE will be shown on your periodic statement. We will\ng. Documentation of Transfers.\nreinstate your Daily Periodic Rate and ANNUAL PERCENTAGE RATE to\ni. Terminal Transfers. You can get a receipt at the time you\nthe rate set forth in this Agreement once you have made six consecutive\nmake any transfer at a First Hawaiian ATM, Network ATM, or\nMinimum Payments on or before the due date, starting with the first billing\nPOS terminal.\ncycle after the Penalty APR is imposed. If we take such lesser action\nii. Periodic Statements. If you have a checking account, you will\ninitially, we reserve the right to terminate your Credit Card account and\nget a monthly checking account statement. If you have\naccelerate all amounts due under this Agreement regardless of whether any\narranged for electronic access to your savings account, you\nadditional events have occurred that would permit termination and\nwill get a quarterly savings account statement. However, if\nacceleration.\nthere are any transfers in a particular month, you will get a\nIf you have a World/World Elite Mastercard and fail to comply with any\nsavings statement that month as well.\nof the special terms in this Agreement applicable to the World/World Elite\nh. In Case of Errors or Questions About Your Electronic\nMastercard account, you will be in Default under this Agreement and we will\nTransfers Involving Your Checking or Savings Account. Call or\nhave all of the rights set forth in this Agreement as a result of the Default.\nwrite to us at the telephone number and address stated in the\nIn addition to all of those rights, we may in our sole and absolute discretion\nparagraph of this Agreement called "Where to Call or Write" as soon as\nconvert your World/World Elite Mastercard account to any other type of\nyou can if you think your statement or receipt is wrong or if you need\naccount that we may offer. Any such conversion may cause the elimination\nmore information about a transfer listed on the statement or receipt. We\nof the benefits associated with the World/World Elite Mastercard account\nmust hear from you no later than 60 days after we sent you the first\nwithout prior notice to you.\nstatement on which the problem or error appeared. When reporting an\n18. 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\nthat you will have the use of the money during the time it takes us to\n\xe2\x80\xa2\nMake deposits to your checking or savings account.\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. If the 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\nCredit Limit/Revolve Line. This amount may be less for cash\ndisclose information to third parties about your account or the transfers\nwithdrawals and Cash Advances from Network ATMs. You\nyou make:\nauthorize us to charge any withdrawal by use of your Card to\ni. Where it is necessary for completing transfers;\nyour checking account or savings account as though you had\nii. In order to verify the existence and condition of your account for\nspecifically signed a withdrawal authorization. If there are\na third party, such as a credit bureau or merchant;\ninsufficient funds in an account to cover such a withdrawal, you\niii. In order to comply with government agency or court orders; or\nagree that we may treat the amount of such withdrawal either\niv. If you give us your written permission.\nas a Cash Advance or as an overdraft that you will be obligated\n19. ATM Safety. It is important to be aware of your surroundings when\nto pay us on 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.\n20. Lost or Stolen Card; Your Liability for Unauthorized Use. Tell us at\nd. Fees for Using Automated Terminal Services. The fees for using\nonce if you believe your Card has been lost or stolen. Telephoning is the\ncertain automated terminal services are disclosed in the paragraph of\nbest way of keeping your possible losses down.\nthis Agreement called "Other Fees."\na. Unauthorized Use as Credit Card. You may be liable for the\ne. Card and Secret Code Use. You are responsible for all\nunauthorized use of your Card as a credit card. You will not be liable for\ntransactions in which you use your Card in an automated terminal, or\nunauthorized use of your Card as a credit card that occurs after you\nthe use of the Card by anyone else who uses it with your permission.\nnotify us at the telephone number or address stated in the paragraph of\nSecurity in use of the Card is provided by the secret code, which we will\nthis Agreement called "Where to Call or Write," orally or in writing, of\nprovide you, and the magnetically encoded stripe on the Card. Please\nloss, theft, or possible unauthorized use. In any case, your liability for\nkeep the Card safe and also protect the secret code. Use the Card and\nunauthorized use of your Card as a credit card will not exceed $50.\nthe secret code as instructed at all times. Please notify us of any\nPR \xe2\x80\x93 Personal\nPage 4 of 5\nRev. Date 06/01/20\n\n\x0cb.\n\nUnauthorized 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.\n21. Where to Call or Write. If you believe your Card has been lost or\nstolen or that someone has transferred or may transfer money from your\naccount or otherwise use your Card or Credit Card account without your\npermission, call: (808) 847-4444 on Oahu; Neighbor Islands, Guam,\nCommonwealth of the Northern Mariana Islands (CNMI), or Continental U.S\ncall 1-800-342-2778 or write to: First Hawaiian Bank, BankCard Security\nDepartment, P.O. Box 1959, Honolulu, Hawaii 96805.\n22. Our Business Days. Our business days are Monday through Friday,\nexcept for bank holidays.\n23. Credit Investigation and Disclosure. You authorize us, both now and\nin the future, to check your credit and employment history and to release\ninformation about our credit experience with you in response to legitimate\ncredit inquiries. If you believe that we have incorrect information or have\nreported inaccurate information about you to a credit bureau, please call us\nat (808) 847-4444 (Oahu) or call toll-free at 1-800-342-2778.\n24. Security Interest. We have no security for any amounts which become\ndue under this Agreement unless you have given us a specific security\ninterest in connection with the Agreement, which is described on the\nSecurity Agreement Supplement to this Agreement.\n25. 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.\n\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. Changing Terms. We can change, add to, delete, or otherwise modify\nthe terms of this Agreement at any time in any way permitted by law. We\nwill send you advance notice of any change to this Agreement. If the\nchange affects use of your Card in an automated terminal, we will give you\nadvance notice of the change unless the change has to be made\nimmediately for security reasons. A notice of change we send you will\ndescribe any right you have to opt out of a particular change, if any, and will\ndescribe whether a particular change affects your outstanding balance. We\ndo not have to send a notice of the change if it favors you, such as by\nreducing rates, increasing the maximum Credit Limit/Revolve Line, etc.\n29. Canceling this Agreement. We have the right to cancel this\nAgreement at any time by sending a notice to any one of you in writing. You\nalso have the same right to cancel this Agreement at any time by sending\nus a notice in writing. If this Agreement is canceled by you or us, your\nobligation to repay amounts you already owe under this Agreement would\ncontinue, and you must return your Card to us.\n30. Other Agreements. Use of your Card is subject to the terms of existing\nregulations governing deposit accounts and other agreements and\ndisclosures for your checking, savings, and Credit Card accounts, and any\nfuture changes.\n31. Governing Law. This Agreement will be governed by the laws of the\nState of Hawaii, and, as applicable, federal law, regardless of where the\nPurchases or Cash Advances are made, and you agree that any legal\naction that may be filed by you elsewhere will be transferred to an\nappropriate court in Hawaii if we decide that we want it to be transferred.\n32. Monitoring/Recording Telephone Calls. Our supervisory personnel\nmay listen to and record your telephone calls to us for the purpose of\nmonitoring and improving the quality of service you receive.\n33. Emergency Situation. In the event of an emergency situation beyond\nour reasonable control, such as an "act of God," war, fire, or natural\ndisaster, services involving your account could be available only in a\nmodified or reduced form or could be entirely unavailable. Unless expressly\nprohibited by applicable law, you agree that we will have no liability to you\nfor such modification, reduction, or unavailability of services caused by an\nemergency situation.\n\nYOUR BILLING RIGHTS: Keep This Notice for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nnot pay the amount we think you owe.\n\nWhat To Do If You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at:\nFirst Hawaiian Bank P.O. Box 1959\nHonolulu, Hawaii 96805\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a\nmistake.\n\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first\n$50 of the amount you question even if your bill is correct.\n\nYou must contact us:\n\xe2\x80\xa2\nWithin 60 days after the error appeared on your statement.\n\xe2\x80\xa2\nAt least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you think is\nwrong.\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased\nwith your credit card and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount\ndue on the purchase.\n\nYou must notify us of any potential errors in writing. You may call us, but if\nyou do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\n\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within\n100 miles of your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are\nnecessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods\nor services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\n\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the\nerror or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\nWe cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2\nThe charge in question may remain on your statement, and we\nmay continue to charge you interest on that amount.\n\xe2\x80\xa2\nWhile you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2\nWe can apply any unpaid amount against your credit limit/revolve\nline.\n\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at:\nFirst Hawaiian Bank P.O. Box 1959\nHonolulu, Hawaii 96805\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay,\nwe may report you as delinquent.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\nIf we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\xe2\x80\xa2\nIf we do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and fees. We\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\nPR \xe2\x80\x93 Personal\n\nPage 5 of 5\n\nRev. Date 06/01/20\n\n\x0c'