b'or casino gaming chips/checks or off-track betting or wagering.\nDisplay of a payment card logo by an online merchant or acceptance\nof a Visa Card by an online merchant does not necessarily mean that\nthe transaction is legal in the jurisdiction in which you are located.\nIn the event that a charge or transaction described in this paragraph\nis processed, you will still be responsible for such charges. Any such\nillegal or other prohibited use constitutes an unauthorized use and\ncan result in cancellation and termination of your Account. You agree,\nshould illegal use occur, to waive any right to sue us in connection\nwith such illegal use and to indemnify and hold us harmless from\nany action or liability, including attorney\xe2\x80\x99s fees and costs, directly or\nindirectly arising out of such illegal use.\n22. REWARDS PROGRAM.\n(a) Reward Points. If you are enrolled in the Rewards Program for\nyour Account, Rewards points will only apply to net Purchases\n(Purchases minus returns and/or credits). Every dollar in\nqualifying Purchases, net of returns, charged to the Account\nearns one Participant Point (\xe2\x80\x9cPoint\xe2\x80\x9d). No points are earned\nfor finance charges, fees, Balance Transfers, Cash Advances,\nConvenience Checks, Foreign Transaction fees, insurance\ncharges or other items posted to the Account.\n(b) Loss of Accumulated Reward Points. Accumulated Rewards\nPoints will be lost should any of the following occur: (i) we have\nreason to believe illegal activity has occurred or is occurring\non your Account; (ii) your Account becomes 90 or more days\ndelinquent; or (iii) you or the Joint holder of this Account\ncauses HawaiiUSA to suffer a loss. In addition, Points earned\nin calendar year one will expire as of the last day of calendar\nyear five. (For example, points earned in 2010 will expire on\nDecember 31, 2014.)\n\ntitle 18, US Code, to make false statements or over-value security for\nthe purpose of influencing the action of any federally insured credit\nunion, including HawaiiUSA.\n24. DEFAULT. You will be in default if: (1) you do not pay at least the\nMinimum Payment Due or other required payment by the Payment\nDue Date; (2) you violate any of the terms of this Agreement;\n(3) your creditworthiness is impaired; (4) you make any false or\nmisleading statements in any credit application, credit update or\nother communication to us; or (5) you die, are declared incompetent\nor mentally incapacitated, become insolvent, or are the subject of\nbankruptcy or receivership proceedings. You agree to inform us if\nyou become aware of any event or condition that may constitute a\ndefault as described in this paragraph. We have the right to demand\nimmediate payment of the entire Account Balance if you default,\nsubject to our giving you any notice required by law.\n25. CLOSING OR SUSPENDING YOUR ACCOUNT; ACCELERATION. If\nyou default, you understand and agree that we have the right to\ntemporarily or permanently suspend any and all Account and Card\nprivileges, and/or we may demand immediate payment of the\nAccount Balance. We may close or suspend your Account at any\ntime, without notifying you, as permitted by law. We are not liable\nto you for any transactions that are denied due to our decision to\nclose, suspend or terminate your Account. You agree that you will\nnot attempt to make a Purchase or obtain a Cash Advance after you\nhave been notified that your privilege to use your Account has been\nterminated. You may close your Account at any time by notifying us\nin writing, and you must return all Cards that were issued for your\nAccount. If we close or suspend your Account, or if you close your\nAccount, you understand and agree that you remain obligated to\nrepay the entire Account Balance. You understand and agree that\ninterest charges at the APR as permitted under this Agreement will\ncontinue to accrue until you repay your entire Account Balance.\n\n(c) Rewards Redemption. For travel related redemption, call toll\nfree (800) 900.6160. For merchandise redemption, send your\norder form to: CURewards Awards HQ 2440 West 34th Street,\nChicago, IL 60608-5134. The website to view the available\nmerchandise is: www.curewards.com. Redemption is subject\nto availability.\n\n26. COLLECTION COSTS. To the extent permitted by law, you are\nliable to us for our legal costs if we refer collection of your Account\nto an attorney who is not our salaried employee. These costs may\ninclude reasonable attorneys\xe2\x80\x99 fees, as well as costs and expenses of\nany legal action.\n\n(d) Program Rules. A complete set of Program Rules may be\nobtained at the CURewards website, through the HawaiiUSA\nwebsite, http://hawaiiusafcu.com, or by contacting HawaiiUSA\nat (808) 534.4300, or toll free at (800) 379.1300.\n\n27. LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft\nof your Card, PIN or Account number, you should call us immediately\nat 1.800.654.7728, or write to us at: Credit Card Security Department,\nP.O. Box 31112, Tampa, FL 33631-3112. Telephoning is the best way of\nkeeping your possible losses down.\n\n(e) Termination. We reserve the right to terminate the Program\nat any time upon providing any notice required by applicable\nlaw. If terminated, we shall not be responsible or liable for any\npoints you have earned and did not use prior to the end of the\nProgram. Also, if your Account is closed for any reason, any\nunused accrued points will be forfeited.\n23. CREDIT INFORMATION. You warrant that the information on\nany credit application that you have given us to get your Account or\nCard is correct. We may retain your application. You agree to notify\nus immediately if any information on your application becomes\nincorrect, including a change in your name, address, employment or\nfinancial status. You authorize us to investigate your credit standing\nwhen opening, renewing, or reviewing your Account. You authorize\nus to disclose information regarding your Account and our credit\nexperience with you to credit bureaus and others to the extent\npermitted by law. You understand and agree that we may make\nchanges to the terms of your Account based on information in your\ncredit history. You understand that it is a violation of section 1014,\n9\n\nYou will not be liable for any unauthorized use that occurs after you\nnotify us. You may, however, be liable for unauthorized use that occurs\nbefore your notice to us. In any case, your liability will not exceed\n$50. Subject to investigation, verification of your claim, and account\nstanding and history, you will have no liability for unauthorized\nPurchases made with your Card through Visa, unless you acted with\ngross negligence or fraud, or delayed in reporting unauthorized\nuse. You agree that in the event of a lost, stolen, not received or\ncounterfeited card or fraudulent activity on your Account, you and\nall parties given access to the Account will complete an affidavit of\nforgery in a form approved by the Credit Union. You also agree to\nassist us in determining the facts, circumstances, and other pertinent\ninformation related to any loss, theft or possible unauthorized use\nof your Card, PIN or Account number and to comply with such other\nprocedures as we may require in connection with our investigation.\nYou are responsible for the safekeeping of your Card, PIN, and\nAccount number.\n10\n\n28. STATEMENTS. Your Card or other Account activity will be reflected\non your Statement. We will send you a Statement for each Billing\nPeriod in which Transaction activity has occurred on your Account.\nYour Statement will identify the merchant, electronic terminal, or\nfinancial institution at which transactions were made, but sales,\nCash Advance, credit, or other receipts cannot be returned with the\nStatement. You agree to retain copies of such receipts furnished at\nthe time of the transaction in order to reconcile your Statement. If\nyou request a copy of any sales raft or similar document, a Statement\nfee of $5.00 may be imposed by us. This fee will not be imposed,\nhowever, if it was requested in connection with a billing error.\nStatements will be mailed or delivered electronically if you have\nagreed to receive notices from us in an electronic format.\n29. INACTIVE ACCOUNT: If your Account does not have any activity\nfor twenty-four (24) consecutive months, it will be considered an\ninactive account and your ability to take advances against your Credit\nLimit may be suspended. If your Account is inactive for twenty-four\n(24) consecutive months, we may close it.\n30. RETURNS AND ADJUSTMENTS. If a merchant discloses a policy\nsuch as \xe2\x80\x9cno returns,\xe2\x80\x9d \xe2\x80\x9cno refunds,\xe2\x80\x9d \xe2\x80\x9cno return or credit without\nreceipt,\xe2\x80\x9d \xe2\x80\x9cas is,\xe2\x80\x9d \xe2\x80\x9cstore credit only\xe2\x80\x9d or \xe2\x80\x9call sales final,\xe2\x80\x9d you will be\nbound by that policy when you use your Card to buy goods or services\nfrom that merchant. A merchant refund to your Account will post to\nyour Account as a credit. We do not control when a merchant sends\nan Account credit. We will choose how to apply the credit to your\nexisting Account Balance. If a credit fails to post to your Account, you\nmay request our help in having the credit applied to your Account by\nsending us a copy of the credit receipts until the credit is properly\napplied to your Account. If your credits and payments exceed what\nyou owe us, we will hold and apply this credit balance against future\nTransactions, or if it is $1.00 or more, refund it on your written\nrequest or automatically after six (6) months.\n31. DISPUTES WITH MERCHANTS. We are not responsible for the\nrefusal of any merchant or financial institution to honor your Card. If\nyou have a dispute with a merchant or financial institution, you must\nmake a good faith attempt to resolve the dispute with the merchant\nor financial institution. If you cannot do so, you must send written\nnotice of the dispute to Customer Service, P.O. Box 31112, Tampa, FL\n33631-3112 and to the merchant or financial institution. We will then\ninvestigate the dispute and take such action as required under the\nFederal Truth in Lending Act.\n\nexisting Account Balance and all fees and charges accrued at the time\nof the change as well as to any future Transactions, to the extent\npermitted by applicable law.\n34. VISA ACCOUNT UPDATER (VAU). VAU is an account updating\nservice in which your Card is automatically enrolled. When your\nCard expires, is lost or stolen and a new Card is issued, the service\nmay update relevant Card data (Card numbers and expiration dates)\nto appropriate merchants who participate in an effort to facilitate\nuninterrupted processing of your recurring charges. This service\nprovides updates to a Visa database only. The database is accessed\nby those qualified merchants seeking your Account information after\nyou have requested they process a recurring payment or payments.\nThis service is provided as a free benefit to you. If at any time you\nwish to opt-out of the VAU service or if you have any questions,\nplease call (808) 534.4300 or (800) 379.1300- to do so.\n35. NOTICE\n(a) To Us. If there is any Notice that you need to give to us, call us\nduring our business hours at (808) 534.4300 on Oahu, or toll\nfree at (800) 379.1300, or write to us at: HawaiiUSA Federal\nCredit Union, 1226 College Walk, Honolulu, HI 96817-3946.\nIf you email us, we may not immediately review it. We will not take\naction based on email requests until a Credit Union employee reads\nthe email and has a reasonable opportunity to act. Do not include\nany personal or confidential information in any email that you send\nto us, whether through online banking or through a different email\nprovider.\nWe will never contact you by email, telephone, mail or other type of\ncorrespondence and request your account number, PIN, password,\nusername, or other access code. If you are contacted by anyone\nasking for your account number, PIN, password, username or other\naccess code, you should refuse and immediately contact us. You may\nbe the target of identity theft.\n(b) To You. If you move, you must give written notice of your new\naddress. Whenever we are required to give you notice for\nsomething, we will mail it to you at the address we have for\nyou in our records. If you sign up for electronic statements,\nnotice may be provided by email. If there is more than one\nperson on the Account, notice to any one of you constitutes\nnotice to all of you.\n\n32. INVESTIGATIONS. You agree to cooperate fully with the\ninvestigation of any merchant dispute or unauthorized transaction\nregarding your Account, to file complete and truthful reports with\ncriminal law enforcement agencies, and to give complete and truthful\ntestimony. At our request, you agree that (1) we will be subrogated\nto, and you shall assign to us, all rights that you have against any\nmerchant, financial institution, or unauthorized user, (2) you will\ndo whatever is necessary to enable us to exercise our rights and\nwill cooperate with us, and (3) you will not prejudice our rights. You\nfurther agree that we have the right to reverse any credits that we\napply, and that you will indemnify and hold us harmless with respect\nto any dispute, to the full extent permitted by law.\n\n36. APPLICABLE LAW; VENUE. Your Account was approved and\nissued in the State of Hawaii, and all extensions of credit are being\nmade from the State of Hawaii. You agree that the laws of the State\nof Hawaii (without regard to conflict of laws provisions) apply to this\nAgreement, to the Account and to use of the Card, wherever that\ntakes place. Any action with respect to this Agreement, the Account\nor use of the Card may be brought or transferred to federal or state\ncourts located in Honolulu, Hawaii.\n\n33. CHANGE OF TERMS. This Agreement is the contract that applies to\nall Transactions on your Account even though the sales, cash advance,\ncredit, or other slips you sign or receive may contain different terms.\nSubject to applicable law, you understand and agree that we may\namend, modify, add to, or delete from this Agreement any of its terms\nand conditions, including financial terms, including rates and fees by\nproviding notice as required by law. The new terms will apply to your\n\n38. NONTRANSFERABILITY. You may not transfer or assign your\nAccount or Card without our prior written consent, which we may\nwithhold in our sole discretion. We may sell, transfer or assign this\nAgreement and your Account to a third party at any time without\nnotifying you.\n\n11\n\n37. RENEWALS. If you move out of the State of Hawaii, your Account\nmay not be renewed.\n\n39. SEVERABILITY AND FINAL EXPRESSION. This Agreement is the\nfinal expression of the terms and conditions of your Account. This\nAgreement may not be contradicted by evidence of any alleged oral\nagreement. If any provision in this Agreement is found to be invalid or\nunenforceable, all other provisions shall remain in full force and effect.\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\nCustomer Service, P.O. Box 31112, Tampa, FL 33631-3112\nIn your letter, give us the following information:\n\n40. INTEGRATED DOCUMENTS. Any separate sheet of paper\nidentified as an \xe2\x80\x9cAddendum\xe2\x80\x9d or \xe2\x80\x9cAmendment\xe2\x80\x9d to this Agreement is\nan integrated part of the Agreement.\n\n\xe2\x80\xa2 Account information: Your name and account number.\n\n41. BUSINESS DAYS. Our Business Days and hours at our Main Branch\nare Monday to Friday, 9:00 am to 5:30 pm, and Saturday, 8:30 am to\n2:30 pm. Holidays are not included.\n\n\xe2\x80\xa2 Description of problem: If you think there is an error on your\nbill, describe what you believe is wrong and why you believe it\nis a mistake.\n\n42. COPY RECEIVED. You acknowledge receipt of a copy of this\nAgreement and agree to accept its terms.\n43. PINK PLATINUM CHARITABLE BENEFITS: This section applies if\nyou have a Pink Platinum Credit Card Account. Use of the HawaiiUSA\nVISA Pink Platinum Credit Card results in donations to charity. We\nwill donate 0.10% (10 cents for every $100) of all net Purchases\n(less returns) made with the Card to charity. We may increase this\namount during promotional periods. We will donate up to $20,000\nof net Purchases annually. We have designated the Making Strides\nAgainst Breast Cancer\xc2\xae program of the American Cancer Society as\nthe current charitable recipient. We reserve the right to change the\ncharitable recipient or to terminate the charitable program at any\ntime. No change will affect donations previously made.\n\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\n\xe2\x80\xa2 Within 60 days after the error appeared on your Statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call us,\nbut if you do, we are not required to investigate any potential errors\nand you may have to pay the amount in question.\n\nWhat Will Happen After We Receive Your Letter\n\n45. ENFORCING THIS AGREEMENT. We will not lose our rights\nunder this Agreement because we delay in enforcing them or fail\nto enforce them.\n\nWhile we investigate whether or not there has been an error:\n\n47. NOTICE. See the statement below for important information\nregarding your right to dispute billing errors.\n\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice contains important information about your rights and\nour responsibilities under the Fair Credit Billing Act.\n\nIf you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting\nthat you are questioning your bill. We must tell you the name of\nanyone to whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the\nfirst $50 of the amount you question even if your bill is correct.\n\nYou must contact us:\n\n44. VISA SHARE SECURED CREDIT CARD: If you have signed a\nseparate Share Pledge Agreement, you understand and agree that\nyou are pledging funds now on deposit in a deposit account you\nhave with us. You understand that you must, at all times, keep a\nsum equal to your credit limit on deposit in the designated deposit\naccount identified on the Share Pledge Agreement until you repay\nyour entire Account Balance and the Account is closed. You\nunderstand and agree that this security interest will cover future\nTransactions under this Agreement. If you default, we may apply\nthe pledged funds to repay your Account Balance in accordance\nwith federal or other law. You understand that the APR applicable\nto your Account does not take into account the amount pledged in\nyour designated deposit account.\n\n46. MEMBERSHIP REQUIREMENT. You understand and agree that\nyou must be and remain a member in good standing with us to be\neligible for continuing Account and/or Card privileges, including\nfuture Transactions. You understand and agree that we may suspend\nor close the Account and/or Card privileges during any period in\nwhich you do not maintain your membership with us.\n\nthe amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the\ndate payment is due. We may then report you as delinquent if\nyou do not pay the amount we think you owe.\n\nWhen we receive your letter, we must do two things:\n\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to\npay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home State or within\n100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these\nare necessary if your purchase was based on an advertisement\nwe mailed to you, or if we own the company that sold you the\ngoods or services.)\n\n1. Within 30 days of receiving your letter, we must tell you that\nwe received your letter. We also will tell you if we have already\ncorrected the error.\n\n2. You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n\n2. Within 90 days of receiving your letter, we must either correct\nthe error or explain why we believe the bill was correct.\n\n3. You must not yet have fully paid for the purchase.\n\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you\nas delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your Statement, and we\nmay continue to charge you interest on that amount.\n\nPLATINUM VISA CREDIT CARD\nAGREEMENT AND\nDISCLOSURE\n\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at Customer Service, P.O. Box 31112,\nTampa, FL 33631-3112.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not\npay, we may report you as delinquent.\n\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If 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 If we do not believe there was a mistake: You will have to pay\n\n12\n\n13\n\n14\n\nM-123293\n\n\x0cHawaiiUSA Federal Credit Union\n1226 College Walk Honolulu, HI 96817-3946\n\nHAWAIIUSA FEDERAL CREDIT UNION\n1226 College Walk, Honolulu HI 96817-3946\n\nPlatinum Visa Credit Card Agreement and Disclosure\nPart 1 of 2\n\nPlatinum Visa Credit Card Agreement and Disclosure\nPart 2 of 2\n1. GENERAL. The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d in this Platinum Visa Credit\nCard Agreement and Disclosure (\xe2\x80\x9cAgreement\xe2\x80\x9d) refer to each person\nwho as Applicant or Joint Applicant has asked us to open a Consumer\nPlatinum Credit Card Account in his or her name. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d\nand \xe2\x80\x9cHawaiiUSA\xe2\x80\x9d refer to HawaiiUSA Federal Credit Union. The word\n\xe2\x80\x9cStatement\xe2\x80\x9d means the periodic billing statement for your Account,\nwhich we will send you each month. \xe2\x80\x9cBilling Period\xe2\x80\x9d means the period\nof time covered by the Statement.\n\nInterest Rates and Interest Charges\nANNUAL\nPERCENTAGE RATE\n(APR) for Purchases\nAPR for\nBalance Transfers\nAPR for\nCash Advances\n\nPaying Interest\n\nFor Credit Card\nTips from the\nConsumer Financial\nProtection Bureau\n\n8.00%\n8.00%\n8.00%\nYour due date is at least 25 days after the\nclose of each billing cycle. We will not charge\nyou interest on purchases and balance\ntransfers if you pay your entire balance by\nthe due date each month. We will begin\ncharging interest on cash advances on the\ntransaction date.\nTo learn more about factors to consider\nwhen applying for or using a credit\ncard, visit the website of the Consumer\nFinancial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nNone\nBalance Transfers\n\nCash Advances\n\nNone\n\nNone\n\nTransaction Fees\nForeign Transaction\n1.00% of each transaction\nLate Payment:\n\nPenalty Fees\n\nYou will be obligated to pay all such Transactions charged to your\nAccount whether resulting from: (1) actual use of your Card; (2) mail\norder or telephone, computer, or other electronic transactions made\nwithout presenting the Card; or (3) any other circumstances where\nyou authorize a charge, or authorize someone else to make a charge,\nto your Account. \xe2\x80\x9cAccount Balance\xe2\x80\x9d means all authorized charges, plus\nany finance charges assessed on your Account, plus any other fees\nand charges which you owe to us under the terms of this Agreement.\nIn return, by accepting, signing or using your Card after receiving a\ncopy of this Agreement, you agree to be liable for all Transactions and\ncharges to your Account; you agree to the terms of this Agreement\nand any amendments to this Agreement; and you agree that it will\nbe binding upon you even if your Account is canceled or terminated.\n\nFees\nAnnual Fee\n\nYou are asking that we: (1) open a consumer Platinum credit card\naccount at HawaiiUSA in your name (your \xe2\x80\x9cAccount\xe2\x80\x9d); (2) issue you\none or more VISA credit cards (\xe2\x80\x9cCard\xe2\x80\x9d) for your Account, in your\nname, or names, if a joint account; (3) allow you to purchase goods\nand services with your Card (your \xe2\x80\x9cPurchases\xe2\x80\x9d); (4) allow you to obtain\ncash advances using your Account (your \xe2\x80\x9cCash Advances\xe2\x80\x9d); and (5)\nallow you to make balance transfers using your Account (your \xe2\x80\x9cBalance\nTransfers\xe2\x80\x9d). You authorize us to pay and charge your Account for all\ntransactions (including Purchases, Convenience Checks, Cash Advances\nand Balance Transfers) made or obtained by you or anyone you\nauthorize to use your Card or Account (collectively, \xe2\x80\x9cTransactions\xe2\x80\x9d).\n\nUp to $35 or 5% of delinquent amount, whichever is less\nReturned Payment:\nUp to $24\n\nHow We Will Calculate Your Balance: We use a method called\n\n\xe2\x80\x9caverage daily balance (including new transactions).\xe2\x80\x9d\n\nBilling Rights: Information on your rights to dispute transactions\n\nand how to exercise those rights is provided at the end of this\nAgreement, in Part 2 of 2.\n1\n\n2. MILITARY LENDING ACT DISCLOSURES. Federal law provides\nimportant protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general,\nthe cost of consumer credit to a member of the Armed Forces and his\nor her dependents may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction\nor account: The costs associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit transaction;\nany application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee\ncharged (other than certain participation fees for a credit card account).\n3. CONSUMER ACCOUNT. You agree that your Account is for consumer\nuse only, and is established and to be used primarily for personal,\nhousehold, or family purposes. We do not have a duty to monitor\nyour Account for business use. If you use your Account for business\npurposes, you agree that the consumer protection provisions of this\nAgreement do not apply except to the extent required by law. We\nmay close your Account if we learn that you are using it for business\npurposes. If you need a credit card account for business or commercial\nuse, please contact us to open a business credit card account.\n2\n\n4. ACCOUNT USE. Your Account use is subject to this Agreement.\nAll Transactions are subject to our approval. You may use your\nCard to purchase goods and services in person, online, and by mail\nor telephone from merchants and others who accept Visa credit\ncards. In addition, you may obtain Cash Advances from HawaiiUSA,\nfrom other financial institutions or select merchants participating\nin the Visa program and from automated teller machines (ATMs)\nthat provide access to the Visa system. Not all merchants or ATMs\nprovide such access. You will need to use your Personal Identification\nNumber (PIN) to obtain a Cash Advance from an ATM. A PIN may be\nobtained by calling (888) 886.0083.\nIf you use an ATM not owned by us, you may be charged a fee by\nthe ATM operator or any ATM network used to complete the transfer\n(and you may be charged a fee for a balance inquiry even if you do\nnot complete a funds transfer). The fee will be debited from your\nAccount if you elect to complete the transaction or continue with the\nbalance inquiry.\nYou may also use your Account to transfer balances from other\ncreditors, provided that we approve your request. To make a Balance\nTransfer, contact any HawaiiUSA branch or obtain a Balance Transfer\nauthorization form from our website, http://hawaiiusafcu.com.\nIf you have or are later provided with a PIN, you must not give or\ndisclose your PIN to others. If you do so, all transactions by such\npersons will be deemed authorized by you. (See section below\nentitled RESPONSIBILITY.)\n5. CREDIT LIMIT: We assign a Credit Limit to your Account. Part\nof this Credit Limit may be available for Cash Advances. Your Credit\nLimit will initially be disclosed in Your welcome letter and will be\nreflected on each periodic statement. You agree to manage your\nAccount so that your Account Balance (including fees and charges)\nis not more than your Credit Limit. However, if your Account\nBalance exceeds your Credit Limit, you are still obligated to pay us.\nWe may increase or decrease your Credit Limit at any time and we\nmay notify you of such increase or decrease by mail or through a\nstatement sent to the primary accountholder\xe2\x80\x99s address of record,\nin accordance with applicable legal requirements. If you object\nto any Credit Limit increase, you must notify us immediately. You\nor any co-borrower on the Account may request a change to the\nCredit Limit orally, in writing, or electronically, but any such request\nmust be approved by us. If your Credit Limit is increased, you are\nimmediately responsible for the new Credit Limit and any increase in\nthe Account Balance even when it differs from an amount previously\nagreed to orally or in writing.\n6. ACCOUNT OPENING DISCLOSURE. Please refer to the Platinum\nVISA Credit Card Agreement and Disclosure, Part 1 of 2, distributed\nwith this Agreement, which contains rate, fee, and other cost\ninformation.\n7. ANNUAL MEMBERSHIP FEE. None.\n8. OTHER FEES. You also agree to pay us:\n\xe2\x80\xa2 a 1% foreign transaction fee (see section entitled FOREIGN\nTRANSACTION FEE AND CURRENCY CONVERSION RATE for\nmore information about our Foreign Transaction Fee and\ncurrency conversion rate);\n\xe2\x80\xa2 a $15.00 Replacement Card Fee for each Card that we issue to\nyou as replacement for a lost, stolen or damaged Card, payable\nat the time your replacement Card is ordered for you;\n3\n\n\xe2\x80\xa2 a Returned Payment Fee of up to $24.00 each time a check\nyou use to make a payment is returned unpaid (however, the\nReturned Payment Fee will not exceed the amount of the\nminimum payment due);\n\nThis gives us the daily balance. Then, we add up all the daily balances\nfor the Billing Period and divide the total by the number of days in the\nBilling Period. This gives us the average daily balance.\n\n\xe2\x80\xa2 a $5 fee each time you request a copy of your billing Statement;\n\nFrom time to time and at our discretion, we may offer introductory\nor promotional APRs for all or any part of your Account Balance,\nBalance Transfers or future transactions. The period of time for which\nthe introductory or promotional APR applies may be limited. Any\napplicable promotional APR, the corresponding periodic rates, and the\nperiod of time during which they are in effect will appear on the offer.\nAny introductory or promotional rate offer will be subject to the terms\nof the offer and this Agreement. Any introductory or promotional APR\nthat we may offer will be separately identified on your Statement as\nwell as the balances to which these APRs apply. Upon expiration of\nthe introductory or promotional APR, the APR will be adjusted to the\nstandard APR and will apply to all outstanding balances.\n\n\xe2\x80\xa2 a $20 fee per hour or fraction thereof for any research\nrequested;\n\xe2\x80\xa2 a Late Payment Fee of up to $35 or 5% of the delinquent\namount, whichever is less, with respect to any Billing Period if\nthe Minimum Payment Due is not paid within ten (10) days after\nthe Payment Due Date. However, the Late Payment Fee will not\nexceed the amount of the Minimum Payment Due. For the first\nviolation in any seven consecutive monthly Billing Periods, the\nLate Payment Fee will not exceed $25. You will only have to pay\nthe Late Payment Fee once on the same late payment.\nYou authorize us to charge your Account for the fees due to us.\nYou understand and agree that we have the right, in our sole and\nabsolute discretion, to change the amount of fees that apply to your\nAccount, in accordance with applicable law.\n9. VISA NON-VARIABLE RATE PROGRAM. We use annual percentage\nrates (APRs) to calculate interest charges on your Account. Our Visa\nprogram is a non-variable rate program, which means that your APR\ndoes not increase or decrease except as otherwise provided for in\nthis Agreement.\n\nDetails about your\ninterest rates and\ninterest calculations\nPurchases\nBalance Transfers\nCash Advances\n\nPeriodic Rate\n\n0.6667% (M)\n\nCorresponding\nAnnual Percentage\nRate (APR)\n\n8.00%\n\n(M) = Monthly Periodic Rate. A monthly periodic rate is the APR\ndivided by 12.\n10. INTEREST CALCUATION\nInterest charges will be imposed on Transactions only if you elect\nnot to pay the entire Account Balance shown on your Statement by\nthe Payment Due Date. If you elect not to pay the entire Account\nBalance shown on your Statement by the Payment Due Date, interest\ncharges will be imposed on the unpaid Average Daily Balance of\nTransactions from the previous Statement closing date and on the\nnew Transactions from the date of posting to your Account during\nthe current Billing Period, and will continue to accrue until the\nclosing date of the Billing Period preceding the date on which the\nentire Account Balance is paid in full.\nWe calculate interest on your Account each Billing Period by applying\nthe Monthly Periodic Rate to the Average Daily Balance (including\nnew Transactions). The following explains how we do this. To get the\nAverage Daily Balance:\n\xe2\x80\xa2 We start with the beginning balance of your account each day.\n\xe2\x80\xa2 We add any new Transactions, fees and other charges.\n\xe2\x80\xa2 We subtract any credits or payments credited as of that day\nand any unpaid interest or other finance charges.\n4\n\n11. GRACE PERIOD.\nYou will not pay any interest on Purchases if you pay the Account\nBalance, including any Balance Transfers, in full by the Payment Due\nDate shown on your Statement each Billing Period. We call this a\ngrace period on Purchases. Generally you will have a 25-day grace\nperiod from the close of each Billing Period to pay the Account\nBalance without incurring additional interest. The Payment Due\nDate disclosed on each Statement provided to you is the last day\nof your grace period for that Statement\xe2\x80\x99s billing cycle. If you do not\npay the Account Balance, including any Balance Transfers, in full by\nthe Payment Due Date in a Billing Period, you will pay interest on\nyour Purchases from the date they are posted to your Account. You\nalso will not have a grace period on Purchases again until you pay\nthe Account Balance in full by the Payment Due Date two (2) Billing\nPeriods in a row.\nThere is no grace period on Cash Advances. This means you will pay\ninterest on Cash Advances from the date these transactions post to\nyour Account.\n12. PAYMENTS.\n(a) Minimum Payment. Every month, you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on\nyour Statement. The Minimum Payment Due will be either (1)\n2.0% of your Account Balance or $15.00, whichever is greater;\nor (2) your Account Balance if it is less than $15.00. In addition,\nyou must pay any amount past due, any late charge and any\namount over the Credit Limit.\nThough you need only pay the Minimum Payment Due, you have the\nright to repay your Account Balance at any time without penalty.\nYou must also pay on our demand the amount by which the Account\nBalance exceeds the credit limit that we set for your Account.\n(b) Time and Place for Payment. All VISA payments are to be\nmailed to:\nVISA\nP.O. BOX 79265\nCity of Industry, CA 91716-9265\n\n\xe2\x80\xa2 We must receive your payment on or before the Payment Due\nDate in order for your Account to be credited by the Payment\nDue Date.\n\xe2\x80\xa2 You must pay in U.S. Dollars.\n\xe2\x80\xa2 You must use a check or electronic debit issued by a financial\ninstitution in the U.S. (do not mail cash).\n\xe2\x80\xa2 You must not send us a check dated after the date that we\nreceive it.\n\xe2\x80\xa2 You must not enclose more than one check per envelope.\n\xe2\x80\xa2 You must not include any restrictive endorsements on the\ncheck.\n\xe2\x80\xa2 You must follow any additional payment instructions shown on\nyour Statement.\n(c) How Your Payments Will Be Applied. Minimum Payments\nwill be applied to your Account in the manner chosen by us\nsubject to applicable law. Any payment amounts above the\nMinimum Payment Due will be applied to balances subject\nto higher APRs and then to balances subject to lower APRs, in\ndescending order of APRs until all balances subject to an APR\nare paid in full.\n(d) Payments Marked \xe2\x80\x9cPaid In Full.\xe2\x80\x9d We may accept checks,\nmoney orders, or other types of payment marked \xe2\x80\x9cpayment\nin full\xe2\x80\x9d or using other language to indicate full satisfaction\nof any indebtedness without being bound by such language\nor waiving any rights under this Agreement. Full satisfaction\nof indebtedness shall be accepted by us only in a written\nagreement, signed by an authorized representative.\n13. PAYMENTS BY AUTOMATIC TRANSFER: By separate agreement,\nyou may authorize us to automatically transfer the Minimum\nPayment Due from your Credit Union savings or checking account.\nIf you request payment by automatic transfer, you understand and\nagree that no payment will be made if there are insufficient or\nuncollected funds in the designated savings or checking account\nto make the scheduled payment. Should this event occur, you\nunderstand and agree that you will not be released from making the\npayment. Any automatic transfer you have requested will remain\nin effect until you cancel it in writing or the Account Balance is paid\nin full. To stop a payment by automatic transfer, you may send us a\nletter requesting that the payment be stopped. Your letter must be\nreceived by HawaiiUSA Federal Credit Union, Attention: Card Services\nDepartment, 1226 College Walk, Honolulu, HI 96817, at least three\n(3) business days before the automatic payment is scheduled to\noccur. We may cancel this service at our discretion.\n14. RECURRING PAYMENTS: The use of your Account to make\npreauthorized electronic recurring bill payments constitutes an\n\xe2\x80\x9celectronic fund transfer\xe2\x80\x9d as defined by the federal Electronic Fund\nTransfer Act and Regulation E. You may be able to place a stop\npayment on a preauthorized electronic recurring bill payment in\naccordance with the terms of our Authorization Agreement for\nPreauthorized Payments. Any such stop payment order is subject\nto a Stop Payment Fee of $10.00 for each stop payment order you\ngive. A stop payment/revocation order does not release you from the\nobligation to pay for goods and services purchased from merchants.\n\nPayments may also be made at any of our HawaiiUSA branches. You\nmust also follow the instructions below when making a payment. If\nyou do, we will credit the payment to your Account as of the day we\nreceive it.\n\n15. RESPONSIBILITY. You agree to repay us according to the terms of\nthis Agreement for all Transactions, finance charges, late charges, and\nother fees arising from the use of the Account by you or any other\nperson you permit to use the Account, even if that person exceeds\n\n5\n\n6\n\nyour permission. You must not give anyone else possession of your\nCard, PIN, or other authority to make transactions on your Account.\nYou cannot disclaim responsibility by notifying us, although we will\nclose the Account if you so request and you will return all Cards to us.\nYour obligation to pay the Account Balance continues even though an\nagreement, divorce decree, or other court judgment to which we are\nnot a party may direct you or one of the other persons responsible to\npay the Account.\n16. JOINT ACCOUNTS. If this is a joint Account, each of you will\nbe individually and jointly responsible for paying all amounts owed\nunder this Agreement. This means that we can require any one of\nyou individually to repay the Account Balance. Each of you authorizes\nthe other to make Transactions individually. Any one of you may close\nthe Account and such closure will be effective as to all of you. You\nagree that all notices regarding the Account may be sent solely to the\ncardholder whose name and address appears on our billing records.\nIf this is a joint account, neither party can be released from his or\nher obligations except upon HawaiiUSA\xe2\x80\x99s approval. Cards remain our\nproperty and you must recover and surrender to us all Cards upon our\nrequest and upon termination of this Account.\n17. ACCOUNT USE BY AUTHORIZED USERS: You may request to add\none or more Authorized Users to your Account. If we approve your\nrequest, use of your Account by an Authorized User is subject to the\nterms of this Agreement. You must:\n\xe2\x80\xa2 Obtain permission from each Authorized User before naming\nhim or her as an Authorized User on your Account.\n\xe2\x80\xa2 Make a copy of this Agreement available to each Authorized\nUser.\n\xe2\x80\xa2 Pay us for all charges incurred by each Authorized User.\n\xe2\x80\xa2 Notify us to remove an Authorized User from your Account. If\nwe remove an Authorized User, we may close your Account,\nopen a new Account, and issue you a new Card.\nWe may limit the number of Authorized Users on your Account.\nYou are responsible for:\n\xe2\x80\xa2 Any Transactions made by an Authorized User on your Account.\n\xe2\x80\xa2 Any Transaction made by an Authorized User even if the postdate shown on your periodic statement for that Transaction\noccurs after the date you ask us to remove the Authorized User\nfrom your Account.\n\xe2\x80\xa2 Any Transactions made by others if an Authorized User allows\nthem to use your Account.\n\xe2\x80\xa2 Fees and charges resulting from any Transactions made by an\nAuthorized User or others if an Authorized User allows them to\nuse your Account.\nINFORMATION ABOUT AUTHORIZED USERS: You agree to give us\ncertain personal information about each Authorized User. You must\nlet each one know that you will give us that information and you\nmust have his or her permission to do so. You must have permission\nfrom each one to allow us to share information about him or her\nas permitted by applicable law. This includes information we may\nobtain from you, any Authorized User and others. It also includes\ninformation about their Transactions on the Account.\nCREDIT REPORTING: We report information about this Account to\nConsumer Reporting Agencies in the Authorized User\xe2\x80\x99s name that\n7\n\nmay appear on their credit report. This could include information\nabout:\n\xe2\x80\xa2 Late Payments;\n\xe2\x80\xa2 Returned Payments;\n\xe2\x80\xa2 Over-the-credit-limit amounts; and\n\xe2\x80\xa2 Other violations of this Agreement.\nYou understand and agree that you must let each Authorized User\nknow that we report Account information in his or her name.\n18. INTERNET (ONLINE) TRANSACTIONS. We subscribe to Verified\nby Visa (VbV). VbV is an enhancement that improves the security of\nPurchases made via the Internet by enabling us to verify your Account\nownership during online purchases by using a password. VbV only\nrelates to Internet Purchases from merchants that also participate in\nVbV. If you make Purchases through the Internet, you may register\nyour Card at www.visa.com, where you will be asked to enter account\ninformation and personal data for identity confirmation. You will\nbe able to shop at participating VbV Internet merchants with no\nchanges to the shopping or checkout process. Should you shop at a\nVbV participating Internet merchant and have not yet registered your\nCard, you may be required to register with VbV before completing\nthe transaction.\n19. FOREIGN TRANSACTION FEE AND CURRENCY CONVERSION RATE.\n(a) Foreign Transaction Fee. A fee of 1% of the amount of the\ntransaction, calculated in U.S. dollars, will be imposed on all\nforeign transactions, regardless of whether the transaction\ninvolves a currency conversion, including Purchases, Cash\nAdvances and credits to your Account. A foreign transaction\nis any transaction that you complete or a merchant completes\non your Card outside of the United States, with the exception\nof U.S. military bases, U.S. territories, U.S. embassies, or U.S.\nconsultants.\n(b) Currency Conversion Rate. Transactions will be billed to your\nAccount in U.S. dollars. The conversion to U.S. dollars will be\nmade in accordance with the Visa operating regulations for\ninternational transactions. The conversion rate to dollars will\nbe at (i) the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which\nrate may vary from the rate Visa itself receives, or (ii) the\ngovernment mandated rate, whichever is applicable, in effect\nfor the applicable central processing date, in each instance,\nplus or minus any adjustments determined by the issuer. The\nconversion rate may be different from the rate on the day the\ntransaction took place or the date the transaction posted.\n20. PROHIBITION AGAINST USING ACCOUNT FOR MARGIN STOCK.\nYou agree that you will not use the Account to purchase or carry\nmargin stock (as defined in Federal Reserve Board regulations).\n21. ILLEGAL ACTIVITY. You agree not to use your Card or Account,\ndirectly or indirectly: (1) in a manner that would constitute a\ncrime under local, state or federal law, or in any illegal activity or\ntransaction, including without limitation any \xe2\x80\x9cracketeering activity\xe2\x80\x9d\nas defined in 18 USC \xc2\xa7 1961; or (2) for any gambling, gaming, betting,\nor similar activity or transaction. Such transactions include, but are\nnot limited to, any quasi-cash or online gambling transaction, any\nelectronic commerce transaction conducted over an open network,\nand any betting transaction including the purchase of lottery tickets\n8\n\n\x0c'


b'or casino gaming chips/checks or off-track betting or wagering.\nDisplay of a payment card logo by an online merchant or acceptance\nof a Visa Card by an online merchant does not necessarily mean that\nthe transaction is legal in the jurisdiction in which you are located.\nIn the event that a charge or transaction described in this paragraph\nis processed, you will still be responsible for such charges. Any such\nillegal or other prohibited use constitutes an unauthorized use and\ncan result in cancellation and termination of your Account. You agree,\nshould illegal use occur, to waive any right to sue us in connection\nwith such illegal use and to indemnify and hold us harmless from\nany action or liability, including attorney\xe2\x80\x99s fees and costs, directly or\nindirectly arising out of such illegal use.\n22. REWARDS PROGRAM.\n(a) Reward Points. If you are enrolled in the Rewards Program for\nyour Account, Rewards points will only apply to net Purchases\n(Purchases minus returns and/or credits). Every dollar in\nqualifying Purchases, net of returns, charged to the Account\nearns one Participant Point (\xe2\x80\x9cPoint\xe2\x80\x9d). No points are earned\nfor finance charges, fees, Balance Transfers, Cash Advances,\nConvenience Checks, Foreign Transaction fees, insurance\ncharges or other items posted to the Account.\n(b) Loss of Accumulated Reward Points. Accumulated Rewards\nPoints will be lost should any of the following occur: (i) we have\nreason to believe illegal activity has occurred or is occurring\non your Account; (ii) your Account becomes 90 or more days\ndelinquent; or (iii) you or the Joint holder of this Account\ncauses HawaiiUSA to suffer a loss. In addition, Points earned\nin calendar year one will expire as of the last day of calendar\nyear five. (For example, points earned in 2010 will expire on\nDecember 31, 2014.)\n\ntitle 18, US Code, to make false statements or over-value security for\nthe purpose of influencing the action of any federally insured credit\nunion, including HawaiiUSA.\n24. DEFAULT. You will be in default if: (1) you do not pay at least the\nMinimum Payment Due or other required payment by the Payment\nDue Date; (2) you violate any of the terms of this Agreement;\n(3) your creditworthiness is impaired; (4) you make any false or\nmisleading statements in any credit application, credit update or\nother communication to us; or (5) you die, are declared incompetent\nor mentally incapacitated, become insolvent, or are the subject of\nbankruptcy or receivership proceedings. You agree to inform us if\nyou become aware of any event or condition that may constitute a\ndefault as described in this paragraph. We have the right to demand\nimmediate payment of the entire Account Balance if you default,\nsubject to our giving you any notice required by law.\n25. CLOSING OR SUSPENDING YOUR ACCOUNT; ACCELERATION. If\nyou default, you understand and agree that we have the right to\ntemporarily or permanently suspend any and all Account and Card\nprivileges, and/or we may demand immediate payment of the\nAccount Balance. We may close or suspend your Account at any\ntime, without notifying you, as permitted by law. We are not liable\nto you for any transactions that are denied due to our decision to\nclose, suspend or terminate your Account. You agree that you will\nnot attempt to make a Purchase or obtain a Cash Advance after you\nhave been notified that your privilege to use your Account has been\nterminated. You may close your Account at any time by notifying us\nin writing, and you must return all Cards that were issued for your\nAccount. If we close or suspend your Account, or if you close your\nAccount, you understand and agree that you remain obligated to\nrepay the entire Account Balance. You understand and agree that\ninterest charges at the APR as permitted under this Agreement will\ncontinue to accrue until you repay your entire Account Balance.\n\n(c) Rewards Redemption. For travel related redemption, call toll\nfree (800) 900.6160. For merchandise redemption, send your\norder form to: CURewards Awards HQ 2440 West 34th Street,\nChicago, IL 60608-5134. The website to view the available\nmerchandise is: www.curewards.com. Redemption is subject\nto availability.\n\n26. COLLECTION COSTS. To the extent permitted by law, you are\nliable to us for our legal costs if we refer collection of your Account\nto an attorney who is not our salaried employee. These costs may\ninclude reasonable attorneys\xe2\x80\x99 fees, as well as costs and expenses of\nany legal action.\n\n(d) Program Rules. A complete set of Program Rules may be\nobtained at the CURewards website, through the HawaiiUSA\nwebsite, http://hawaiiusafcu.com, or by contacting HawaiiUSA\nat (808) 534.4300, or toll free at (800) 379.1300.\n\n27. LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft\nof your Card, PIN or Account number, you should call us immediately\nat 1.800.654.7728, or write to us at: Credit Card Security Department,\nP.O. Box 31112, Tampa, FL 33631-3112. Telephoning is the best way of\nkeeping your possible losses down.\n\n(e) Termination. We reserve the right to terminate the Program\nat any time upon providing any notice required by applicable\nlaw. If terminated, we shall not be responsible or liable for any\npoints you have earned and did not use prior to the end of the\nProgram. Also, if your Account is closed for any reason, any\nunused accrued points will be forfeited.\n23. CREDIT INFORMATION. You warrant that the information on\nany credit application that you have given us to get your Account or\nCard is correct. We may retain your application. You agree to notify\nus immediately if any information on your application becomes\nincorrect, including a change in your name, address, employment or\nfinancial status. You authorize us to investigate your credit standing\nwhen opening, renewing, or reviewing your Account. You authorize\nus to disclose information regarding your Account and our credit\nexperience with you to credit bureaus and others to the extent\npermitted by law. You understand and agree that we may make\nchanges to the terms of your Account based on information in your\ncredit history. You understand that it is a violation of section 1014,\n9\n\nYou will not be liable for any unauthorized use that occurs after you\nnotify us. You may, however, be liable for unauthorized use that occurs\nbefore your notice to us. In any case, your liability will not exceed\n$50. Subject to investigation, verification of your claim, and account\nstanding and history, you will have no liability for unauthorized\nPurchases made with your Card through Visa, unless you acted with\ngross negligence or fraud, or delayed in reporting unauthorized\nuse. You agree that in the event of a lost, stolen, not received or\ncounterfeited card or fraudulent activity on your Account, you and\nall parties given access to the Account will complete an affidavit of\nforgery in a form approved by the Credit Union. You also agree to\nassist us in determining the facts, circumstances, and other pertinent\ninformation related to any loss, theft or possible unauthorized use\nof your Card, PIN or Account number and to comply with such other\nprocedures as we may require in connection with our investigation.\nYou are responsible for the safekeeping of your Card, PIN, and\nAccount number.\n10\n\n28. STATEMENTS. Your Card or other Account activity will be reflected\non your Statement. We will send you a Statement for each Billing\nPeriod in which Transaction activity has occurred on your Account.\nYour Statement will identify the merchant, electronic terminal, or\nfinancial institution at which transactions were made, but sales,\nCash Advance, credit, or other receipts cannot be returned with the\nStatement. You agree to retain copies of such receipts furnished at\nthe time of the transaction in order to reconcile your Statement. If\nyou request a copy of any sales raft or similar document, a Statement\nfee of $5.00 may be imposed by us. This fee will not be imposed,\nhowever, if it was requested in connection with a billing error.\nStatements will be mailed or delivered electronically if you have\nagreed to receive notices from us in an electronic format.\n29. INACTIVE ACCOUNT: If your Account does not have any activity\nfor twenty-four (24) consecutive months, it will be considered an\ninactive account and your ability to take advances against your Credit\nLimit may be suspended. If your Account is inactive for twenty-four\n(24) consecutive months, we may close it.\n30. RETURNS AND ADJUSTMENTS. If a merchant discloses a policy\nsuch as \xe2\x80\x9cno returns,\xe2\x80\x9d \xe2\x80\x9cno refunds,\xe2\x80\x9d \xe2\x80\x9cno return or credit without\nreceipt,\xe2\x80\x9d \xe2\x80\x9cas is,\xe2\x80\x9d \xe2\x80\x9cstore credit only\xe2\x80\x9d or \xe2\x80\x9call sales final,\xe2\x80\x9d you will be\nbound by that policy when you use your Card to buy goods or services\nfrom that merchant. A merchant refund to your Account will post to\nyour Account as a credit. We do not control when a merchant sends\nan Account credit. We will choose how to apply the credit to your\nexisting Account Balance. If a credit fails to post to your Account, you\nmay request our help in having the credit applied to your Account by\nsending us a copy of the credit receipts until the credit is properly\napplied to your Account. If your credits and payments exceed what\nyou owe us, we will hold and apply this credit balance against future\nTransactions, or if it is $1.00 or more, refund it on your written\nrequest or automatically after six (6) months.\n31. DISPUTES WITH MERCHANTS. We are not responsible for the\nrefusal of any merchant or financial institution to honor your Card. If\nyou have a dispute with a merchant or financial institution, you must\nmake a good faith attempt to resolve the dispute with the merchant\nor financial institution. If you cannot do so, you must send written\nnotice of the dispute to Customer Service, P.O. Box 31112, Tampa, FL\n33631-3112 and to the merchant or financial institution. We will then\ninvestigate the dispute and take such action as required under the\nFederal Truth in Lending Act.\n32 INVESTIGATIONS. You agree to cooperate fully with the investigation\nof any merchant dispute or unauthorized transaction regarding your\nAccount, to file complete and truthful reports with criminal law\nenforcement agencies, and to give complete and truthful testimony.\nAt our request, you agree that (1) we will be subrogated to, and\nyou shall assign to us, all rights that you have against any merchant,\nfinancial institution, or unauthorized user, (2) you will do whatever is\nnecessary to enable us to exercise our rights and will cooperate with\nus, and (3) you will not prejudice our rights. You further agree that we\nhave the right to reverse any credits that we apply, and that you will\nindemnify and hold us harmless with respect to any dispute, to the full\nextent permitted by law.\n33. CHANGE OF TERMS. This Agreement is the contract that applies\nto all Transactions on your Account even though the sales, cash\nadvance, credit, or other slips you sign or receive may contain different\nterms. Subject to applicable law, you understand and agree that we\nmay amend, modify, add to, or delete from this Agreement any of its\nterms and conditions, including financial terms, including rates and\nfees by providing notice as required by law. The new terms will apply\nto your existing Account Balance and all fees and charges accrued at\n11\n\nthe time of the change as well as to any future Transactions, to the\nextent permitted by applicable law.\n\nagreement. If any provision in this Agreement is found to be invalid or\nunenforceable, all other provisions shall remain in full force and effect.\n\n34. VISA ACCOUNT UPDATER (VAU). VAU is an account updating\nservice in which your Card is automatically enrolled. When your\nCard expires, is lost or stolen and a new Card is issued, the service\nmay update relevant Card data (Card numbers and expiration dates)\nto appropriate merchants who participate in an effort to facilitate\nuninterrupted processing of your recurring charges. This service\nprovides updates to a Visa database only. The database is accessed\nby those qualified merchants seeking your Account information after\nyou have requested they process a recurring payment or payments.\nThis service is provided as a free benefit to you. If at any time you\nwish to opt-out of the VAU service or if you have any questions,\nplease call (808) 534.4300 or (800) 379.1300- to do so.\n\n40. INTEGRATED DOCUMENTS. Any separate sheet of paper\nidentified as an \xe2\x80\x9cAddendum\xe2\x80\x9d or \xe2\x80\x9cAmendment\xe2\x80\x9d to this Agreement is\nan integrated part of the Agreement.\n\n35. NOTICE\n(a) To Us. If there is any Notice that you need to give to us, call us\nduring our business hours at (808) 534.4300 on Oahu, or toll\nfree at (800) 379.1300, or write to us at: HawaiiUSA Federal\nCredit Union, 1226 College Walk, Honolulu, HI 96817-3946.\nIf you email us, we may not immediately review it. We will not take\naction based on email requests until a Credit Union employee reads\nthe email and has a reasonable opportunity to act. Do not include any\npersonal or confidential information in any email that you send to us,\nwhether through online banking or through a different email provider.\nWe will never contact you by email, telephone, mail or other type of\ncorrespondence and request your account number, PIN, password,\nusername, or other access code. If you are contacted by anyone\nasking for your account number, PIN, password, username or other\naccess code, you should refuse and immediately contact us. You may\nbe the target of identity theft.\n(b) To You. If you move, you must give written notice of your new\naddress. Whenever we are required to give you notice for\nsomething, we will mail it to you at the address we have for\nyou in our records. If you sign up for electronic statements,\nnotice may be provided by email. If there is more than one\nperson on the Account, notice to any one of you constitutes\nnotice to all of you.\n36. APPLICABLE LAW; VENUE. Your Account was approved and\nissued in the State of Hawaii, and all extensions of credit are being\nmade from the State of Hawaii. You agree that the laws of the State\nof Hawaii (without regard to conflict of laws provisions) apply to this\nAgreement, to the Account and to use of the Card, wherever that\ntakes place. Any action with respect to this Agreement, the Account\nor use of the Card may be brought or transferred to federal or state\ncourts located in Honolulu, Hawaii.\n\n41. BUSINESS DAYS. Our Business Days and hours at our Main\nBranch are Monday to Friday, 9:00 am to 5:30 pm, and Saturday, 8:30\nam to 2:30 pm. Holidays are not included.\n42. COPY RECEIVED. You acknowledge receipt of a copy of this\nAgreement and agree to accept its terms.\n43. PINK PLATINUM CHARITABLE BENEFITS: This section applies if\nyou have a Pink Platinum Credit Card Account. Use of the HawaiiUSA\nVISA Pink Platinum Credit Card results in donations to charity. We\nwill donate 0.10% (10 cents for every $100) of all net Purchases\n(less returns) made with the Card to charity. We may increase this\namount during promotional periods. We will donate up to $20,000\nof net Purchases annually. We have designated the Making Strides\nAgainst Breast Cancer\xc2\xae program of the American Cancer Society as\nthe current charitable recipient. We reserve the right to change the\ncharitable recipient or to terminate the charitable program at any\ntime. No change will affect donations previously made.\n44. VISA SHARE SECURED CREDIT CARD: If you have signed a\nseparate Share Pledge Agreement, you understand and agree that\nyou are pledging funds now on deposit in a deposit account you have\nwith us. You understand that you must, at all times, keep a sum equal\nto your credit limit on deposit in the designated deposit account\nidentified on the Share Pledge Agreement until you repay your entire\nAccount Balance and the Account is closed. You understand and\nagree that this security interest will cover future Transactions under\nthis Agreement. If you default, we may apply the pledged funds to\nrepay your Account Balance in accordance with federal or other law.\nYou understand that the APR applicable to your Account does not\ntake into account the amount pledged in your designated deposit\naccount.\n45. ENFORCING THIS AGREEMENT. We will not lose our rights under this\nAgreement because we delay in enforcing them or fail to enforce them.\n46. MEMBERSHIP REQUIREMENT. You understand and agree that\nyou must be and remain a member in good standing with us to be\neligible for continuing Account and/or Card privileges, including\nfuture Transactions. You understand and agree that we may suspend\nor close the Account and/or Card privileges during any period in\nwhich you do not maintain your membership with us.\n47. NOTICE. See the statement below for important information\nregarding your right to dispute billing errors.\n\n37. RENEWALS. If you move out of the State of Hawaii, your Account\nmay not be renewed.\n38. NONTRANSFERABILITY. You may not transfer or assign your\nAccount or Card without our prior written consent, which we may\nwithhold in our sole discretion. We may sell, transfer or assign this\nAgreement and your Account to a third party at any time without\nnotifying you.\n39. SEVERABILITY AND FINAL EXPRESSION. This Agreement is the\nfinal expression of the terms and conditions of your Account. This\nAgreement may not be contradicted by evidence of any alleged oral\n12\n\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice contains important information about your rights and\nour responsibilities under the Fair Credit Billing Act.\n\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\nAccount information: Your name and account number.\n\n\xe2\x80\xa2\n\nDollar amount: The dollar amount of the suspected error.\n\n\xe2\x80\xa2\n\nDescription of problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a\nmistake.\n\n13\n\nM-123294\n\nIf we do not follow all of the rules above, you do not have to pay the\nfirst $50 of the amount you question even if your bill is correct.\n\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\n\nYou must contact us:\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your Statement.\n\n\xe2\x80\xa2\n\nAt least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\n\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to\npay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n\nYou must notify us of any potential errors in writing. You may call us,\nbut if you do, we are not required to investigate any potential errors\nand you may have to pay the amount in question.\n\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that\nwe received your letter. We also will tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct\nthe error or explain why we believe the bill was correct.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you\nas delinquent on that amount.\n\n\xe2\x80\xa2\n\nThe charge in question may remain on your Statement, and we\nmay continue to charge you interest on that amount.\n\n\xe2\x80\xa2\n\nWhile you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\n\xe2\x80\xa2\n\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\n\xe2\x80\xa2\n\nIf we do not believe there was a mistake: You will have to pay 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\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\nCustomer Service, P.O. Box 31112, Tampa, FL 33631-3112\n\nthat you are questioning your bill. We must tell you the name of\nanyone to whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us.\n\nIf you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting\n14\n\n1. The purchase must have been made in your home State or\nwithin 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither\nof these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company\nthat sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at Customer Service, P.O. Box 31112,\nTampa, FL 33631-3112.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not\npay, we may report you as delinquent.\n\nPLATINUM VISA CREDIT CARD\nAGREEMENT AND\nDISCLOSURE\n\n\x0c1226 College Walk, Honolulu, HI 96817-3946\n\nHawaiiUSA Federal Credit Union\n\nHAWAIIUSA FEDERAL CREDIT UNION\n1226 College Walk, Honolulu HI 96817-3946\n\nPlatinum Visa Credit Card Agreement and Disclosure\nPart 1 of 2\n\nPlatinum Visa Credit Card Agreement and Disclosure\nPart 2 of 2\n1. GENERAL. The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d in this Platinum Visa Credit\nCard Agreement and Disclosure (\xe2\x80\x9cAgreement\xe2\x80\x9d) refer to each person\nwho as Applicant or Joint Applicant has asked us to open a Consumer\nPlatinum Credit Card Account in his or her name. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d\nand \xe2\x80\x9cHawaiiUSA\xe2\x80\x9d refer to HawaiiUSA Federal Credit Union. The word\n\xe2\x80\x9cStatement\xe2\x80\x9d means the periodic billing statement for your Account,\nwhich we will send you each month. \xe2\x80\x9cBilling Period\xe2\x80\x9d means the period\nof time covered by the Statement.\n\nInterest Rates and Interest Charges\nANNUAL\nPERCENTAGE RATE\n(APR) for Purchases\nAPR for\nBalance Transfers\nAPR for\nCash Advances\n\nPaying Interest\n\nFor Credit Card\nTips from the\nConsumer Financial\nProtection Bureau\n\n9.96%\n9.96%\n9.96%\nYour due date is at least 25 days after the\nclose of each billing cycle. We will not charge\nyou interest on purchases and balance\ntransfers if you pay your entire balance by\nthe due date each month. We will begin\ncharging interest on cash advances on the\ntransaction date.\nTo learn more about factors to consider\nwhen applying for or using a credit card,\nvisit the website of the Consumer Financial\nProtection Bureau at\n\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\nBalance Transfers\n\nCash Advances\n\nNone\n\nNone\n\nTransaction Fees\nForeign Transaction\n1.00% of each transaction\nLate Payment:\n\nPenalty Fees\n\nUp to $35 or 5% of delinquent amount, whichever is less\nReturned Payment:\nUp to $24\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage\ndaily balance (including new transactions).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and\nhow to exercise those rights is provided at the end of this Agreement,\nin Part 2 of 2\n1\n\nYou are asking that we: (1) open a consumer Platinum credit card\naccount at HawaiiUSA in your name (your \xe2\x80\x9cAccount\xe2\x80\x9d); (2) issue you\none or more VISA credit cards (\xe2\x80\x9cCard\xe2\x80\x9d) for your Account, in your\nname, or names, if a joint account; (3) allow you to purchase goods\nand services with your Card (your \xe2\x80\x9cPurchases\xe2\x80\x9d); (4) allow you to obtain\ncash advances using your Account (your \xe2\x80\x9cCash Advances\xe2\x80\x9d); and (5)\nallow you to make balance transfers using your Account (your \xe2\x80\x9cBalance\nTransfers\xe2\x80\x9d). You authorize us to pay and charge your Account for all\ntransactions (including Purchases, Convenience Checks, Cash Advances\nand Balance Transfers) made or obtained by you or anyone you\nauthorize to use your Card or Account (collectively, \xe2\x80\x9cTransactions\xe2\x80\x9d).\nYou will be obligated to pay all such Transactions charged to your\nAccount whether resulting from: (1) actual use of your Card; (2) mail\norder or telephone, computer, or other electronic transactions made\nwithout presenting the Card; or (3) any other circumstances where\nyou authorize a charge, or authorize someone else to make a charge,\nto your Account. \xe2\x80\x9cAccount Balance\xe2\x80\x9d means all authorized charges, plus\nany finance charges assessed on your Account, plus any other fees\nand charges which you owe to us under the terms of this Agreement.\nIn return, by accepting, signing or using your Card after receiving a\ncopy of this Agreement, you agree to be liable for all Transactions and\ncharges to your Account; you agree to the terms of this Agreement\nand any amendments to this Agreement; and you agree that it will\nbe binding upon you even if your Account is canceled or terminated.\n2. MILITARY LENDING ACT DISCLOSURES. Federal law provides\nimportant protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general,\nthe cost of consumer credit to a member of the Armed Forces and his\nor her dependents may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction\nor account: The costs associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit transaction;\nany application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee\ncharged (other than certain participation fees for a credit card account).\n3. CONSUMER ACCOUNT. You agree that your Account is for consumer\nuse only, and is established and to be used primarily for personal,\nhousehold, or family purposes. We do not have a duty to monitor\nyour Account for business use. If you use your Account for business\npurposes, you agree that the consumer protection provisions of this\nAgreement do not apply except to the extent required by law. We\nmay close your Account if we learn that you are using it for business\npurposes. If you need a credit card account for business or commercial\nuse, please contact us to open a business credit card account.\n2\n\n4. ACCOUNT USE. Your Account use is subject to this Agreement.\nAll Transactions are subject to our approval. You may use your\nCard to purchase goods and services in person, online, and by mail\nor telephone from merchants and others who accept Visa credit\ncards. In addition, you may obtain Cash Advances from HawaiiUSA,\nfrom other financial institutions or select merchants participating\nin the Visa program and from automated teller machines (ATMs)\nthat provide access to the Visa system. Not all merchants or ATMs\nprovide such access. You will need to use your Personal Identification\nNumber (PIN) to obtain a Cash Advance from an ATM. A PIN may be\nobtained by calling (888) 886.0083.\nIf you use an ATM not owned by us, you may be charged a fee by\nthe ATM operator or any ATM network used to complete the transfer\n(and you may be charged a fee for a balance inquiry even if you do\nnot complete a funds transfer). The fee will be debited from your\nAccount if you elect to complete the transaction or continue with the\nbalance inquiry.\nYou may also use your Account to transfer balances from other\ncreditors, provided that we approve your request.To make a Balance\nTransfer, contact any HawaiiUSA branch or obtain a Balance Transfer\nauthorization form from our website, http://hawaiiusafcu.com.\nIf you have or are later provided with a PIN, you must not give or\ndisclose your PIN to others. If you do so, all transactions by such\npersons will be deemed authorized by you. (See section below\nentitled RESPONSIBILITY.)\n5. CREDIT LIMIT: We assign a Credit Limit to your Account. Part of\nthis Credit Limit may be available for Cash Advances. Your Credit Limit\nwill initially be disclosed in Your welcome letter and will be reflected\non each periodic statement. You agree to manage your Account so\nthat your Account Balance (including fees and charges) is not more\nthan your Credit Limit. However, if your Account Balance exceeds\nyour Credit Limit, you are still obligated to pay us. We may increase\nor decrease your Credit Limit at any time and we may notify you\nof such increase or decrease by mail or through a statement sent\nto the primary accountholder\xe2\x80\x99s address of record, in accordance\nwith applicable legal requirements. If you object to any Credit Limit\nincrease, you must notify us immediately. You or any co-borrower\non the Account may request a change to the Credit Limit orally, in\nwriting, or electronically, but any such request must be approved by\nus. If your Credit Limit is increased, you are immediately responsible\nfor the new Credit Limit and any increase in the Account Balance\neven when it differs from an amount previously agreed to orally or\nin writing.\n6. ACCOUNT OPENING DISCLOSURE. Please refer to the Platinum\nVISA Credit Card Agreement and Disclosure, Part 1 of 2, distributed\nwith this Agreement, which contains rate, fee, and other cost\ninformation.\n7. ANNUAL MEMBERSHIP FEE. None.\n8. OTHER FEES. You also agree to pay us:\n\xe2\x80\xa2 a 1% foreign transaction fee (see section entitled FOREIGN\nTRANSACTION FEE AND CURRENCY CONVERSION RATE for\nmore information about our Foreign Transaction Fee and\ncurrency conversion rate);\n\xe2\x80\xa2 a $15.00 Replacement Card Fee for each Card that we issue to\nyou as replacement for a lost, stolen or damaged Card, payable\nat the time your replacement Card is ordered for you;\n3\n\n\xe2\x80\xa2 a Returned Payment Fee of up to $24.00 each time a check\nyou use to make a payment is returned unpaid (however, the\nReturned Payment Fee will not exceed the amount of the\nminimum payment due);\n\nThis gives us the daily balance. Then, we add up all the daily balances\nfor the Billing Period and divide the total by the number of days in the\nBilling Period. This gives us the average daily balance.\n\n\xe2\x80\xa2 a $5 fee each time you request a copy of your billing Statement;\n\nFrom time to time and at our discretion, we may offer introductory\nor promotional APRs for all or any part of your Account Balance,\nBalance Transfers or future transactions. The period of time for which\nthe introductory or promotional APR applies may be limited. Any\napplicable promotional APR, the corresponding periodic rates, and the\nperiod of time during which they are in effect will appear on the offer.\nAny introductory or promotional rate offer will be subject to the terms\nof the offer and this Agreement. Any introductory or promotional APR\nthat we may offer will be separately identified on your Statement as\nwell as the balances to which these APRs apply. Upon expiration of\nthe introductory or promotional APR, the APR will be adjusted to the\nstandard APR and will apply to all outstanding balances.\n\n\xe2\x80\xa2 a $20 fee per hour or fraction thereof for any research\nrequested;\n\xe2\x80\xa2 a Late Payment Fee of up to $35 or 5% of the delinquent\namount, whichever is less, with respect to any Billing Period if\nthe Minimum Payment Due is not paid within ten (10) days after\nthe Payment Due Date. However, the Late Payment Fee will not\nexceed the amount of the Minimum Payment Due. For the first\nviolation in any seven consecutive monthly Billing Periods, the\nLate Payment Fee will not exceed $25. You will only have to pay\nthe Late Payment Fee once on the same late payment.\n\n11. GRACE PERIOD.\nYou authorize us to charge your Account for the fees due to us.\nYou understand and agree that we have the right, in our sole and\nabsolute discretion, to change the amount of fees that apply to your\nAccount, in accordance with applicable law.\n9. VISA NON-VARIABLE RATE PROGRAM. We use annual percentage\nrates (APRs) to calculate interest charges on your Account. Our Visa\nprogram is a non-variable rate program, which means that your APR\ndoes not increase or decrease except as otherwise provided for in\nthis Agreement.\n\nDetails about your\ninterest rates and\ninterest calculations\nPurchases\nBalance Transfers\nCash Advances\n\nPeriodic Rate\n\n0.8300% (M)\n\nCorresponding\nAnnual Percentage\nRate (APR)\n\n9.96%\n\n(M) = Monthly Periodic Rate. A monthly periodic rate is the APR\ndivided by 12.\n10. INTEREST CALCUATION\nInterest charges will be imposed on Transactions only if you elect\nnot to pay the entire Account Balance shown on your Statement by\nthe Payment Due Date. If you elect not to pay the entire Account\nBalance shown on your Statement by the Payment Due Date, interest\ncharges will be imposed on the unpaid Average Daily Balance of\nTransactions from the previous Statement closing date and on the\nnew Transactions from the date of posting to your Account during\nthe current Billing Period, and will continue to accrue until the\nclosing date of the Billing Period preceding the date on which the\nentire Account Balance is paid in full.\nWe calculate interest on your Account each Billing Period by applying\nthe Monthly Periodic Rate to the Average Daily Balance (including\nnew Transactions). The following explains how we do this. To get the\nAverage Daily Balance:\n\xe2\x80\xa2 We start with the beginning balance of your account each day.\n\xe2\x80\xa2 We add any new Transactions, fees and other charges.\n\xe2\x80\xa2 We subtract any credits or payments credited as of that day\nand any unpaid interest or other finance charges.\n4\n\nYou will not pay any interest on Purchases if you pay the Account\nBalance, including any Balance Transfers, in full by the Payment Due\nDate shown on your Statement each Billing Period. We call this a\ngrace period on Purchases. Generally you will have a 25-day grace\nperiod from the close of each Billing Period to pay the Account\nBalance without incurring additional interest. The Payment Due\nDate disclosed on each Statement provided to you is the last day\nof your grace period for that Statement\xe2\x80\x99s billing cycle. If you do not\npay the Account Balance, including any Balance Transfers, in full by\nthe Payment Due Date in a Billing Period, you will pay interest on\nyour Purchases from the date they are posted to your Account. You\nalso will not have a grace period on Purchases again until you pay\nthe Account Balance in full by the Payment Due Date two (2) Billing\nPeriods in a row.\nThere is no grace period on Cash Advances. This means you will pay\ninterest on Cash Advances from the date these transactions post to\nyour Account.\n12. PAYMENTS.\n(a) Minimum Payment. Every month, you must pay at least the\nMinimum Payment Due by the Payment Due Date shown on\nyour Statement. The Minimum Payment Due will be either (1)\n2.5% of your Account Balance or $15.00, whichever is greater;\nor (2) your Account Balance if it is less than $15.00. In addition,\nyou must pay any amount past due, any late charge and any\namount over the Credit Limit.\nThough you need only pay the Minimum Payment Due, you have the\nright to repay your Account Balance at any time without penalty.\n\n\xe2\x80\xa2 We must receive your payment on or before the Payment Due\nDate in order for your Account to be credited by the Payment\nDue Date.\n\xe2\x80\xa2 You must pay in U.S. Dollars.\n\xe2\x80\xa2 You must use a check or electronic debit issued by a financial\ninstitution in the U.S. (do not mail cash).\n\xe2\x80\xa2 You must not send us a check dated after the date that we\nreceive it.\n\xe2\x80\xa2 You must not enclose more than one check per envelope.\n\xe2\x80\xa2 You must not include any restrictive endorsements on the\ncheck.\n\xe2\x80\xa2 You must follow any additional payment instructions shown on\nyour Statement.\n(c) How Your Payments Will Be Applied. Minimum Payments\nwill be applied to your Account in the manner chosen by us\nsubject to applicable law. Any payment amounts above the\nMinimum Payment Due will be applied to balances subject\nto higher APRs and then to balances subject to lower APRs, in\ndescending order of APRs until all balances subject to an APR\nare paid in full.\n(d) Payments Marked \xe2\x80\x9cPaid In Full.\xe2\x80\x9d We may accept checks,\nmoney orders, or other types of payment marked \xe2\x80\x9cpayment\nin full\xe2\x80\x9d or using other language to indicate full satisfaction\nof any indebtedness without being bound by such language\nor waiving any rights under this Agreement. Full satisfaction\nof indebtedness shall be accepted by us only in a written\nagreement, signed by an authorized representative.\n13. PAYMENTS BY AUTOMATIC TRANSFER: By separate agreement,\nyou may authorize us to automatically transfer the Minimum\nPayment Due from your Credit Union savings or checking account.\nIf you request payment by automatic transfer, you understand and\nagree that no payment will be made if there are insufficient or\nuncollected funds in the designated savings or checking account\nto make the scheduled payment. Should this event occur, you\nunderstand and agree that you will not be released from making the\npayment. Any automatic transfer you have requested will remain\nin effect until you cancel it in writing or the Account Balance is paid\nin full. To stop a payment by automatic transfer, you may send us a\nletter requesting that the payment be stopped. Your letter must be\nreceived by HawaiiUSA Federal Credit Union, Attention: Card Services\nDepartment, 1226 College Walk, Honolulu, HI 96817, at least three\n(3) business days before the automatic payment is scheduled to\noccur. We may cancel this service at our discretion.\n\n(b) Time and Place for Payment. All VISA payments are to be\nmailed to:\nVISA\nP.O. BOX 79265\nCity of Industry, CA 91716-9265\n\n14. RECURRING PAYMENTS: The use of your Account to make\npreauthorized electronic recurring bill payments constitutes an\n\xe2\x80\x9celectronic fund transfer\xe2\x80\x9d as defined by the federal Electronic Fund\nTransfer Act and Regulation E. You may be able to place a stop\npayment on a preauthorized electronic recurring bill payment in\naccordance with the terms of our Authorization Agreement for\nPreauthorized Payments. Any such stop payment order is subject\nto a Stop Payment Fee of $10.00 for each stop payment order you\ngive. A stop payment/revocation order does not release you from the\nobligation to pay for goods and services purchased from merchants.\n\nPayments may also be made at any of our HawaiiUSA branches. You\nmust also follow the instructions below when making a payment. If\nyou do, we will credit the payment to your Account as of the day we\nreceive it.\n\n15. RESPONSIBILITY. You agree to repay us according to the terms of\nthis Agreement for all Transactions, finance charges, late charges, and\nother fees arising from the use of the Account by you or any other\nperson you permit to use the Account, even if that person exceeds\n\n5\n\n6\n\nYou must also pay on our demand the amount by which the Account\nBalance exceeds the credit limit that we set for your Account.\n\nyour permission. You must not give anyone else possession of your\nCard, PIN, or other authority to make transactions on your Account.\nYou cannot disclaim responsibility by notifying us, although we will\nclose the Account if you so request and you will return all Cards to us.\nYour obligation to pay the Account Balance continues even though an\nagreement, divorce decree, or other court judgment to which we are\nnot a party may direct you or one of the other persons responsible to\npay the Account.\n16. JOINT ACCOUNTS. If this is a joint Account, each of you will\nbe individually and jointly responsible for paying all amounts owed\nunder this Agreement. This means that we can require any one of\nyou individually to repay the Account Balance. Each of you authorizes\nthe other to make Transactions individually. Any one of you may close\nthe Account and such closure will be effective as to all of you. You\nagree that all notices regarding the Account may be sent solely to the\ncardholder whose name and address appears on our billing records.\nIf this is a joint account, neither party can be released from his or\nher obligations except upon HawaiiUSA\xe2\x80\x99s approval. Cards remain our\nproperty and you must recover and surrender to us all Cards upon our\nrequest and upon termination of this Account.\n17. ACCOUNT USE BY AUTHORIZED USERS: You may request to add\none or more Authorized Users to your Account. If we approve your\nrequest, use of your Account by an Authorized User is subject to the\nterms of this Agreement. You must:\n\nConsumer Reporting Agencies in the Authorized User\xe2\x80\x99s name that may\nappear on their credit report. This could include information about:\n\xe2\x80\xa2 Late Payments;\n\xe2\x80\xa2 Returned Payments;\n\xe2\x80\xa2 Over-the-credit-limit amounts; and\n\xe2\x80\xa2 Other violations of this Agreement.\nYou understand and agree that you must let each Authorized User\nknow that we report Account information in his or her name.\n18. INTERNET (ONLINE) TRANSACTIONS. We subscribe to Verified\nby Visa (VbV). VbV is an enhancement that improves the security of\nPurchases made via the Internet by enabling us to verify your Account\nownership during online purchases by using a password. VbV only\nrelates to Internet Purchases from merchants that also participate in\nVbV. If you make Purchases through the Internet, you may register\nyour Card at www.visa.com, where you will be asked to enter account\ninformation and personal data for identity confirmation. You will\nbe able to shop at participating VbV Internet merchants with no\nchanges to the shopping or checkout process. Should you shop at a\nVbV participating Internet merchant and have not yet registered your\nCard, you may be required to register with VbV before completing\nthe transaction.\n\n\xe2\x80\xa2 Obtain permission from each Authorized User before naming\nhim or her as an Authorized User on your Account.\n\n19. FOREIGN TRANSACTION FEE AND CURRENCY CONVERSION RATE.\n\n\xe2\x80\xa2 Make a copy of this Agreement available to each Authorized\nUser.\n\n(a) Foreign Transaction Fee. A fee of 1% of the amount of the\ntransaction, calculated in U.S. dollars, will be imposed on all\nforeign transactions, regardless of whether the transaction\ninvolves a currency conversion, including Purchases, Cash\nAdvances and credits to your Account. A foreign transaction\nis any transaction that you complete or a merchant\ncompletes on your Card outside of the United States, with\nthe exception of U.S. military bases, U.S. territories, U.S.\nembassies, or U.S. consultants.\n\n\xe2\x80\xa2 Pay us for all charges incurred by each Authorized User.\n\xe2\x80\xa2 Notify us to remove an Authorized User from your Account. If\nwe remove an Authorized User, we may close your Account,\nopen a new Account, and issue you a new Card.\nWe may limit the number of Authorized Users on your Account.\nYou are responsible for:\n\xe2\x80\xa2 Any Transactions made by an Authorized User on your Account.\n\xe2\x80\xa2 Any Transaction made by an Authorized User even if the postdate shown on your periodic statement for that Transaction\noccurs after the date you ask us to remove the Authorized User\nfrom your Account.\n\xe2\x80\xa2 Any Transactions made by others if an Authorized User allows\nthem to use your Account.\n\xe2\x80\xa2 Fees and charges resulting from any Transactions made by an\nAuthorized User or others if an Authorized User allows them to\nuse your Account.\nINFORMATION ABOUT AUTHORIZED USERS: You agree to give us\ncertain personal information about each Authorized User. You must\nlet each one know that you will give us that information and you\nmust have his or her permission to do so. You must have permission\nfrom each one to allow us to share information about him or her\nas permitted by applicable law. This includes information we may\nobtain from you, any Authorized User and others. It also includes\ninformation about their Transactions on the Account.\n\n(b) Currency Conversion Rate. Transactions will be billed to your\nAccount in U.S. dollars. The conversion to U.S. dollars will be\nmade in accordance with the Visa operating regulations for\ninternational transactions. The conversion rate to dollars will\nbe at (i) the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which\nrate may vary from the rate Visa itself receives, or (ii) the\ngovernment mandated rate, whichever is applicable, in effect\nfor the applicable central processing date, in each instance,\nplus or minus any adjustments determined by the issuer. The\nconversion rate may be different from the rate on the day the\ntransaction took place or the date the transaction posted.\n20. PROHIBITION AGAINST USING ACCOUNT FOR MARGIN STOCK.\nYou agree that you will not use the Account to purchase or carry\nmargin stock (as defined in Federal Reserve Board regulations).\n\nCREDIT REPORTING: We report information about this Account to\n\n21. ILLEGAL ACTIVITY. You agree not to use your Card or Account,\ndirectly or indirectly: (1) in a manner that would constitute a\ncrime under local, state or federal law, or in any illegal activity or\ntransaction, including without limitation any \xe2\x80\x9cracketeering activity\xe2\x80\x9d\nas defined in 18 USC \xc2\xa7 1961; or (2) for any gambling, gaming, betting,\nor similar activity or transaction. Such transactions include, but are\nnot limited to, any quasi-cash or online gambling transaction, any\nelectronic commerce transaction conducted over an open network,\nand any betting transaction including the purchase of lottery tickets\n\n7\n\n8\n\n\x0c'