HERITAGE CREDIT CARD DISCLOSURES 
(Personal and Private Banking) 

This disclosure was printed on 03/01/2016. The information for this card is accurate as of that date and is subject to change after 
that date. For any changes since the print date, contact us at BankCard Center, P.O. Box 1959, Honolulu, HI, 96805. 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

2.99%  Intro fixed APR for your first eight billing cycles following the opening of your 

account. 

APR for Balance 
Transfers 

After that, the APR will be 16.49% for Personal cards and 11.49% for Private Banking 
Platinum cards. These APRs will vary with the market based on the U.S. Prime Rate. 
2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for 
balance transfers made within thirty days of account opening. 
After that, the APR will be 16.49% for Personal cards and 11.49% for Private Banking Platinum 
cards.  These APRs will vary with the market based on the U.S. Prime Rate. 

APR for Cash Advances 

18.00% Fixed 

Penalty APR and When it 
Applies 

18.00% Fixed 
     This APR will apply to your account if you make a late payment.  

     How Long Will the Penalty APR Apply?: The Penalty APR will apply until you have  
     made six consecutive Minimum Payments when due. 

How to Avoid Paying 
Interest on Purchases 

Your due date is at least 25 days after the close of each billling cycle.  We will not charge you 
interest on Purchases if you pay your entire New Balance by the Payment Due Date each 
month.  We will begin charging interest on Cash Advances on the transaction date.   

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.00. 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 

Annual Fee 

None for Personal cards  

$50 for Private Banking Platinum cards (we reserve the right to waive the fee so long as you 
remain a Private Banking customer) 

Transaction Fees 

  Foreign Transaction 

2.5% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency. 

  Balance Transfer 

Either $5 or 3% of the amount of each transfer, whichever is greater (maximum fee $50) 

  Convenience Check 

Either $5 or 3% of the amount of each check, whichever is greater (maximum fee $50) 

  ATM Cash Advance 

Either $3 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee $50) 

  Over-the-counter     

     Cash Advance  

Penalty Fees 

  Late Payment 

Either $5 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee $50) 

Up to $35  

  Over-the-Credit Limit 

Up to $15 (only if you opt-in) 

  Returned Payment 

Up to $35 

How We Will Calculate Your Balance: We will use a method called “Average Daily Balance (including new Purchases).”   

Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if you make a late payment. 

Unless otherwise defined herein, all capitalized terms shall have the meaning set forth in the applicable version of the Heritage 
Credit Card Agreement.