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Your Cardmember Agreement with Us

This document is our standard form credit card agreement in effect on the last business
day of the previous calendar quarter that ended on 12/31/2017 and has been
supplemented with pricing information included in the document(s) titled “Pricing
Supplement” and other terms and/or features that may vary between the different types
of credit card accounts that we offer as reflected in the “Addendum to the Cardmember
Agreement”. These documents are provided to you for informational purposes only. 
These account terms may not be available after the above date.  If you apply and are
approved for a credit card account with us, your actual account terms will be based on
the terms of the offer available at the time that you applied and your Cardmember
Agreement will be the agreement sent to you when your account is first opened.

Introduction.
This Agreement establishes the terms of your credit card account (“Account”) with Bank
of Hawaii. Please read it carefully and keep it with your records. You do not need to sign
this Agreement, but please sign the back of your credit card (the “Card”), if you have not
already done so. All extensions of credit in connection with your Account are being
made by Bank of Hawaii.

Using Your Account/Acceptance of These Terms.
You do not need to accept the Account and this Agreement and none of the fees on this
Account (except as otherwise provided herein) will apply unless you use the Account. If your
Account has an Annual Fee (see the Account Summary Table to determine if this Account has
an Annual Fee) and provided that you have not otherwise used the Account to make a
Purchase, Balance Transfer or Cash Advance or paid the Annual Fee, you may close the
Account within thirty days after Account opening by contacting us at the number on the back of
your Card, and if you do, you will not be responsible for paying the Annual Fee. By signing,
keeping, using or otherwise accepting your Card or Account, you agree to the terms and
conditions of this Agreement. You may obtain credit in the form of Purchases, Balance Transfers
and Cash Advances by using your Card, your account number, Checks, or other credit devices.
You agree that we may credit your Account rather than issue cash refunds when you reverse
transactions that were originally charged to your Account. You agree that you will not use your
Card or Account in connection with any transaction that is prohibited or unenforceable and that
if you do engage in such a transaction you waive any claim that the charge is uncollectible on
the grounds the transaction was prohibited or unenforceable. The Card must be returned to us
upon request. We may replace your Card with another Card at any time.

Definitions.
If we use a capitalized term in this document but we do not define the term in this document, the
term has the meaning as used in your monthly statement.

“Agreement” means this document and the Account Summary Table, and any changes we make
to these documents, from time to time.

“Authorized User” means any person you allow to use your Account including without limitation
through a Card, Check, the account number, or other credit device.

“Balance Transfer” means the use of your Account for a loan obtained by a transfer of funds
initiated by us at your request and includes the use of a Balance Transfer Check. “Balance
Transfer” includes the Transaction Fees associated with any Balance Transfer.

“Cash Advance” means the use of your Card or account number to obtain cash loans at any
financial institution or automated teller machine that accepts the Card, the use of a Cash

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Advance Check or the purchase of Cash Equivalents. “Cash Advance” also includes the
Transaction Fees associated with any Cash Advance or any Cash Equivalent.

“Cash Equivalent” means the use of your Card or account number to obtain money orders,
traveler’s checks, foreign currency, lottery tickets, gambling chips, wire transfers, person to
person money transfers (including but not limited to transfers facilitated over the internet), or the
use of your Account to open a deposit account or to transfer value to a stored value card at a
location or through a merchant other than a financial institution and any other transaction that
American Express (as applicable to your Account) may designate as a Cash Equivalent. Cash
Equivalents and the Transaction Fees associated with any Cash Equivalent are considered
Cash Advances for interest calculation purposes. American Express Cards are not presently
accepted for the purchase of bets, lottery tickets or casino gaming chips.

“Check” or “Convenience Check” means an access check we provide to you to make a Cash
Advance or a Balance Transfer as applicable on your Account. A Check can be either a Balance
Transfer Check or a Cash Advance Check and will be designated as such by us.

“Foreign Transaction” means the use of your Card or Account (other than through a Cash
Advance) for a transaction in a currency other than U.S. dollars. Foreign Transactions and the
Transaction Fees associated with any Foreign Transaction are considered Purchases for
interest calculation purposes.

“Purchase” means the use of your Card or account number to buy or lease goods or services
and to make a transaction that is not otherwise a Balance Transfer or a Cash Advance.
Purchases include Foreign Transactions, Account Fees and any adjustments associated with
any Purchase.

“You” and “your” refer to each person who has applied for, accepted, or used the Account and
each person who has agreed to be responsible for the Account.

“We,” “us” and “our” refer to Bank of Hawaii.

Obligations on Your Account.
You authorize us to pay and charge your Account for all Purchases, Balance Transfers, Checks,
and Cash Advances made orobtained by you or anyone you authorize to use your Card or
Account. You agree to pay us for all of these Purchases, Balance Transfers, Checks, and Cash
Advances, plus any interest assessed on your Account and any other charges and fees which
you may owe under the terms of this Agreement, whether resulting from 1) physical use of your
Card or a Check, 2) mail order or telephone, computer or other electronic transaction made
without presenting the Card, or 3) any other circumstances where you authorize a charge, or
authorize someone else to make a charge, to your Account. Each person who has agreed to be
responsible on the Account is responsible to pay the full amount owed on the Account. If this is
a joint Account, we can send statements and notices to either of you. We may require that you
pay the full amount owed without first asking any other person(s) to pay. Instructions for making
payments are on your monthly billing statement. Payments that comply with the requirements
specified on or with your monthly billing statement, including the time of receipt, will be credited
as of the business day they are received. Payments must be mailed to the correct P.O. Box or to
the street address specified for U.S. Priority Mail and overnight payments. There may be
a delay of up to five (5) days in crediting payments that are not made in accordance with
those instructions. Please allow at least seven (7) days for the U.S. Postal Service to
deliver your payment. All payments must be made in U.S. dollars. Any payment made by
check or other negotiable instrument or direct debit must be drawn on a U.S. bank or a U.S.
branch of a foreign bank. We reserve the right to accept payments made in a foreign currency. If
we do, we will select the foreign currency rate at our discretion. To ensure the funds from the
bank on which your payment is drawn are not returned, your available credit may not be

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immediately increased by the amount of the payment for up to seven (7) days after the
payment posts to the account. If you overpay or if there is a credit balance on your Account,
we will not pay interest on such amounts.

Military Lending Protections.
Federal law provides important protections to members of the Armed Forces and their
dependents relating to extensions of consumer credit. In general, the cost of consumer credit to
a member of the Armed Forces and his or her dependent may not exceed an annual percentage
rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The
costs associated with credit insurance premiums; fees for ancillary products sold in connection
with the credit transaction; any application fee charged (other than certain application fees for
specified credit transactions or accounts); and any participation fee charged (other than certain
participation fees for a credit card account). To receive this information and a description of your
payment obligation orally, please call 866-540-9074.

If you are covered by the Military Lending Act, then notwithstanding anything to the contrary in
this agreement, to the extent required by the Military Lending Act, nothing in this agreement will
be deemed a waiver of the right to legal recourse under any otherwise applicable provision of
state or federal law.

Checks on Your Account.
We may issue Checks on your Account in the form of “Balance Transfer Checks” or “Cash
Advance Checks,” which can be used to access your credit line. Each Check will contain your
Account number and may be used only by the person(s) whose name(s) is/are printed on it.
Each must be completed and signed in the same manner as a regular personal check. If we
provide Checks to you, you may not use them to pay any amount you owe under this
Agreement or under any other account you may have with us. Balance Transfer Checks and
Cash Advance Checks are subject to the same rate and other terms under this Agreement as
Balance Transfers and Cash Advances, respectively. Unless otherwise indicated, all references
in this Agreement to Balance Transfers include Balance Transfer Checks, all references to Cash
Advances include Cash Advance Checks, and all references to use of the Account include use
of these Checks. At our sole discretion we may elect to not honor a Check if there has been a
change in your credit worthiness, your account is not in good standing or if the Check may
cause your account to exceed the Cash Advance or other applicable credit line on your
Account. At our sole discretion we may elect to honor a Check after its expiration date. Unlike
purchase transactions, there are no charge back rights with regard to Balance Transfer
and Check transactions.

Credit Line/Authorized Usage.
Your credit line is shown on the folder containing your Card. We may change your credit line
from time to time—either increase or decrease it—in our sole discretion. If at any time
(including in the first month after your Account is opened) you engage in account actions or
activity that we perceive could have a negative impact on your credit standing with us, we may
decrease your credit line or close your Account. Your latest credit line will appear on your
monthly billing statement. You agree not to make a Purchase, authorize a Balance Transfer,
use a Check, or obtain a Cash Advance that would cause the unpaid balance of your
Account to exceed your credit line. We may honor Purchases, Balance Transfers, Checks
and/or Cash Advances in excess of your credit line at our sole discretion. If we do, this
Agreement applies to that excess and you agree to pay the excess immediately if we
request that you do so. You agree that we may change your credit line or close or revoke
your Account at any time for any reason without affecting your obligation to pay
amounts that you owe under this Agreement. We will notify you of any change, but the
change may take effect before you receive the notice. We may designate that only a portion of
your credit line is available for Cash Advances. If we do and you exceed your line, you will

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be considered to have exceeded your credit line for all purposes of this Agreement. We
may limit the authorizations to make Purchase, Balance Transfer, Check, or Cash
Advance transactions that may be accomplished with your Card or Account.

Monthly Billing Statements.
At the end of each monthly billing cycle a statement will be mailed or delivered to you if your
Account has a debit or credit balance of more than $1.00 or if interest or a fee has been
imposed. We will not send a monthly billing statement if we deem your Account uncollectible or
if delinquency collection proceedings have been instituted by us sending your Account to an
outside collection agency or attorney for collection.

Your Minimum Payment Each Month.
Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly
statement by its Payment Due Date. We will calculate it as follows:

(1) If the Principal Balance (defined below) is less than $20, the Minimum Payment Due equals
the Statement Balance shown on your monthly statement.

(2) If the Principal Balance is $20 or more, the Minimum Payment Due equals the greater of $20
or the total of:
• 1% of the Principal Balance,
• Any interest charges billed on the monthly statement (excluding any interest charges that
accrued during prior billing cycles on a deferred interest balance that ended during the billing
cycle covered by the statement),
• Any Returned Payment Fee, and
• Any Late Payment Fee.

The “Principal Balance” equals the Statement Balance on your monthly statement minus any
interest charges, Minimum Interest Charge, Returned Payment Fee, and Late Payment Fee that
is incurred during the current billing cycle. If we so elect, your Minimum Payment Due may also
include any amount that, at the time of billing, is past due and/or over your credit line. In certain
instances your Minimum Payment Due may be less than the total fees and interest assessed
that billing cycle. At any time you may pay more than the Minimum Payment Due up to the full
amount you owe us. However, you cannot “pay ahead”. This means that if you pay more than
the required Minimum Payment Due in any billing cycle or if you make more than one payment
in a billing cycle, you will still need to pay the next month’s required Minimum Payment Due by
your next Payment Due Date.

Variable Rate Information

APR for Purchases: The variable rate equals the Prime Rate plus a margin from 10.73% to
13.73%, (this corresponds to a current DPR of 0.0417% - 0.0499%).

APR for Balance Transfers: The variable rate equals the Prime Rate plus a margin from
10.74% to 13.74%, (this corresponds to a current DPR of 0.0417% - 0.0499%).

APR for Cash Advances: The variable rate equals the Prime Rate plus a margin from 10.74%
to 13.74%, (this corresponds to a current DPR of 0.0417% - 0.0499%).

Variable Rate Information.
The following applies to any APR on your Account that varies with the market based on the
Prime Rate.  The standard Annual Percentage Rates (APRs) on our Account that are used to
determine the amount of interest to be charged for Purchases, Balance Transfers, and Cash
Advances are variable rates. The APRs on your Account correspond to a daily periodic rate
(“DPR”). The applicable DPRs on your Account equal 1/365th of the sum of 1) the applicable

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Prime Rate, 2) plus the margin(s) listed above for each Purchase, Balance Transfer, or Cash
Advance balance. The “Prime Rate” used in determining the APRs in each billing cycle will be
the highest rate published in the Money Rates column of The Wall Street Journal on the last
business day of each month.  An increase or decrease in the Prime Rate will cause a
corresponding increase or decrease to your variable rates on the first day of the billing cycle that
begins in the same month in which the applicable Prime Rate is published. Pursuant to Hawaii
law, the APR on your account is capped at 18%. Even if the variable APR calculation results in
a higher value, your APR is 18%.  Any such increase or decrease will cause a corresponding
increase or decrease in the amount of interest assessed and possibly in the amount of the
Minimum Payment Due.  If The Wall Street Journal does not publish the U.S. Prime Rate, or if it
changes the definition of the U.S. Prime Rate, we may substitute another index. The Prime Rate
was 4.50% as of the last business day of the quarter that ended 12/31/2017.

How We Will Calculate Your Balance Subject to Interest Rate.
We use a method called “daily balance (including new purchases).” To determine the amount of
the interest to be charged on your Account we first calculate the “Balance Subject to Interest
Rate” separately for Purchases, for Balance Transfers, and for Cash Advances. We apply the
applicable DPR to each of the applicable daily balances for i) Purchases, ii) Balance Transfers
and iii) Cash Advances. The daily balances for Purchases, for Balance Transfers, and for Cash
Advances are each calculated separately and determined as follows: First, we take the
beginning balance for each transaction type on your Account each day. Then we add to the
respective balances any new transactions. We then subtract all unpaid interest, other finance
charges and fees. Then we subtract any payments or credits applicable to the transaction type
that are not applied to interest, other finance charges or fees. Finally we make any other
applicable adjustments. A credit balance is treated as a balance of zero. If you multiply the
“Balance Subject to Interest Rate” for each balance category as shown on your monthly billing
statement by the number of days in the billing period and then, multiply each sum by the
applicable DPRs, the results will be the interest assessed, except for minor variations caused by
rounding. We may from time to time offer you “introductory,” “special” or “promotional” APR
offers. If any are in effect on your Account, we will separately identify the balances to which
such offers apply on your monthly billing statement. These separate balances and the related
interest will be calculated in the same manner as described above.

Accrual of Interest and How to Avoid Paying Interest on Purchases.
On Purchases, interest begins to accrue as of the transaction date. However, you may avoid
paying interest on Purchases in any given billing cycle if you pay your Statement Balance in full
by the Payment Due Date. For Balance Transfers, interest will accrue from the transaction date
which generally will be the day we send the Balance Transfer to the payee. For Checks, interest
will accrue from the transaction date which generally will be the day the payee accepts the
Check. For Cash Advances, interest will accrue from the transaction date which generally will be
the day you take the Cash Advance.

Transaction Fees.
If you use your Card or Account to obtain a Cash Advance, we will charge a Cash Advance Fee
for each such Cash Advance. If you use your Card or Account to make a Balance Transfer, we
will charge a Balance Transfer Fee for each such Balance Transfer. If you use your Card or
Account to purchase Cash Equivalents, we will charge a Cash Advance Fee (sometimes we
may refer to this as a Cash Equivalent Fee) for each such transaction. If you use your Card or
Account for a Foreign Transaction, a foreign transaction fee of 2% will be added, 1% of which
will be retained by American Express. Balance Transfer Checks and Cash Advance Checks are
subject to the same Transaction Fee as Balance Transfers and Cash Advances, respectively.
The present amounts of those charges are stated in the Account Summary Table.

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Account Fees.
In addition to the fees listed in the Account Summary Table, we may also assess the Account
Fees listed below.

Annual Fee – No Annual Fee is assessed on your account.

Late Payment Fee – If we do not receive a payment from you in at least the amount of your
Minimum Payment Due by the Payment Due Date shown on your monthly statement, we may
charge you a Late Payment Fee equal to the lesser of $25 or the amount of your Minimum
Payment Due.

Returned Payment Fee – If your bank does not honor a check or direct debit you deliver to us,
or we must return a check because it is not signed or is otherwise irregular, we may charge you
a Returned Payment Fee equal to the lesser of $25 or the amount of your Minimum Payment
Due.

Returned Check Fee – If we return a Convenience Check (which includes a Balance Transfer
Check or a Cash Advance Check) unpaid because it exceeds your available credit line at the
time it is processed, your Account is closed or otherwise does not have charging privileges, you
did not comply with our instructions regarding the Check or your Account is past due, we may
charge you a Returned Check Fee equal to the lesser of $25 or the amount of the returned
Convenience Check.

Check Stop Payment Fee – If we stop payment on a Convenience Check at your request, we
may charge you a Check Stop Payment Fee of $25.

Foreign Currency Conversion.
Transactions made in foreign currencies will be converted into U.S. Dollars. Unless a particular
exchange rate is mandated by applicable law, the rates to make conversion from transactions in
foreign currencies to U.S. Dollars shall be based on wholesale interbank rates selected by
American Express on the business day prior to the day on which the transactions are processed
by American Express, which rates may differ from the rates in effect on the transaction date.
Charges converted by third parties will be charged at their rates.

Authorized Users.
You may allow Authorized Users to use your Account. If you allow an Authorized User to use
your Account, you will be liable for all transactions made by that person including transactions
for which you may not have intended to be liable, even if the amount of those transactions
causes your credit limit to be exceeded. You must notify us to revoke your permission to allow
an Authorized User to use your Account or Card. Until you revoke your permission, you are
responsible for all charges made by an Authorized Users, including Balance Transfer Check
and Cash Advance Check transactions, regardless of whether you intended to be responsible
for those charge. If you request additional Cards for Authorized Users, checks accessing this
Account may also be included with the Card.

Administrative Charges.
If you request photocopies of monthly billing statements, you will be charged for each duplicate
requested. For each statement that is less than 25 months old, you will be charged $5. For each
statement that is 25 or more months old, you will be charged $10. If you request any special
services such as obtaining Card on an expedited basis, you agree to pay our reasonable
charges for such services, in effect at that time.

Default/Collection Costs.
Unless otherwise prohibited by law, your Account will be in default and we may demand
immediate payment of the entire amount you owe us if: 1) in any month we do not receive your

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Minimum Payment Due by the Payment Due Date; 2) you make Purchases, initiate Balance
Transfers, use a Check, or obtain Cash Advances in excess of your credit line; 3) you fail to
comply with this Agreement; 4) there is a filing for your bankruptcy; 5) you die or become
incapacitated; or 6) we believe in good faith that the payment or performance of your obligations
under this Agreement is impaired for any other reason. As permitted by applicable law, you
agree to pay all collection expenses actually incurred by us in the collection of amounts you owe
under this Agreement (including court or arbitration costs and the fees of any collection agency
to which we refer your Account) and, in the event we refer your Account after your default to an
attorney who is not our regularly salaried employee, you agree to pay the reasonable fees of
such attorney. We will not be obligated to honor any attempted use of your Account if a default
has occurred or we have determined to terminate your Account or limit your Account privileges
(as discussed below).

Termination/We May Suspend Or Close Your Account.
We may suspend or close your account or otherwise terminate your right to use your
account without prior notice. We may do this at any time and for any reason, including
but not limited to, if there is a change to your creditworthiness or if your Account
becomes inactive. You must destroy all Cards, Checks or other credit devices on the Account
when we request. You agree that you will not try to make a Purchase, use a Check, initiate a
Balance Transfer or obtain a Cash Advance after you have been notified that your privilege to
use your Account has been closed or revoked. You may close your Account at any time. If you
do, you must destroy all Cards and Checks previously issued on the Account. If you call us, we
may require that you confirm your termination in writing. Your obligations under this Agreement
continue even after the Account is closed.

Notices to You.
Billing statements and notices will be sent to the address shown in our files. If this is a joint
Account, we may send billing statements and notices to either of you. You promise to promptly
inform us of any change in your e-mail address or your U.S. mail address. You may update this
information by visiting the website on the back of your Card and sending us an e-mail or
telephoning us at the telephone number provided on your Card. We may in our discretion
accept address corrections from the United States Postal Service.

Skip Payment Program and Other Special Terms.
From time to time, we may let you skip or reduce one or more monthly payments during a year
(interest will continue to accrue) or offer you other special features. If we do, we will advise you
of the scope and duration of the applicable skip or special feature. When the skip or special
feature ends, your regular terms will resume.

Changes to This Agreement.
We can change this Agreement, including the annual percentage rate and any fees, as
permitted by applicable law. These changes may include the addition or deletion of
provisions relating to your Account or to the nature, extent, and enforcement of the
rights and obligations you or we may have under this Agreement. We will notify you of
any change. Any change, including any increase or decrease in your APRs, will become
effective at the time stated in our notice and will apply to those balances, including new
transactions, on your Account as described in our notice.

Credit Performance.
Your Account was established based upon criteria which reflect your particular credit history. We
will from time to time review your credit performance. In addition to any other rights we have, if
you do not maintain your past level of credit performance, we may change some or all of the
Account terms on your Account, and if we do we will notify you as provided in this Agreement
and inaccordance with applicable law.

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Credit Information.
You agree that we may request consumer credit reports from one or more credit
reporting agencies in connection with your application and the administration of your
Account. You also authorize us to exchange credit information concerning you or your Account
with (and answer questions and requests from) others, such as merchants, other lenders and
credit reporting agencies.

Calls/Electronic Communications.
In the regular course of our business, we may monitor and record phone conversations made or
received by our employees or our agents. Similarly, we may monitor and record e-mail or
conversations on our website between you and our employees or agents. You agree that we will
have such right with respect to all phone conversations, e-mail or conversations between you
and our employees or agents, whether initiated by you or any of our employees or agents. We
may contact you by telephone in connection with the Account, directly or through an agent - for
example, to collect amounts owed on the Account, to notify you of potential fraudulent
transactions on your account or for other account-servicing purposes. If at any time you provide
a mobile telephone number at which you may be contacted, you consent to receive calls
(including autodialed calls and prerecorded messages) at that mobile number from us, our
successors and assigns, and our affiliates, agents and independent contractors, including
servicers and collection agents, regarding the Account or your related financial obligations.

You consent and further agree that:

(1) these telephone calls, from us or on our behalf, may be made:
(a) to the telephone number(s) that you provided on the Account application,
(b) to any other telephone number(s) that you later provide to us, and/or
(c) to any telephone number(s) that we are permitted by law to use to contact you;

(2) these calls may be sent using automatic dialing equipment and/or include prerecorded
messages;

(3) other communications, including mobile text messages, may be sent to the same telephone
number(s) (technology permitting);

(4) you may be charged by your service provider for these calls in accordance with your service
plan between you and your current telephone provider;

(5) these calls and/or messages are not “unsolicited” calls for purposes of applicable law; and

(6) except to the extent prohibited by applicable law, other communications, including, but not
limited to, fax or telecopier, Internet, U.S. mail, and non-mobile e-mail messages, may be sent
to you.

Consent to Receive Electronic Notices.
You may receive periodic billing statements and other notices regarding your Account
electronically or by U.S. mail. By requesting statements and other notices electronically, which
may only be done on our website, and by providing any other legally required consents, you
affirmatively consent to receive all periodic billing statements and other notices electronically
when legally permissible. Otherwise, statements and notices will be sent to the address shown
in our files. If at any time you need a paper copy of statements or notices, or you change your
mind and prefer to receive all your statements and notices in paper rather than electronic form,
telephone us at the number provided on the back of your Card or visit us at the website on the
back of your Card and send us an email. In order to access your statements and notices
electronically, you must have a computer equipped with at least a 40-bit Java Script-enabled
Netscape or Microsoft browser at the Version level 4.0 or higher. In order to retain your

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statements and notices, you must have a printer attached to your computer that can print them
out or a drive or other storage device onto which you can download them. By accepting the
receipt of electronic statements and other notices, you confirm that you have the software and
equipment that satisfies these requirements to enable you to access and retain your statements
and notices electronically.

Refusal to Honor Card.
We are not responsible for refusals to honor your Card or Checks. Except as otherwise required
by applicable law or regulation, we will not be responsible for merchandise or services
purchased or leased through use of your Account.

Irregular Payments and Delay in Enforcement.
We can accept late payments, partial payments, checks and money orders marked “Paid in Full”
or language having the same effect without losing any of our rights under this Agreement. We
can also delay enforcing our rights under this Agreement any number of times without losing
them. The fact that we may at any time honor a Purchase, Check, Balance Transfer or Cash
Advance in excess of your maximum credit line does not obligate us to do so again.

Our Rights Continue.
Our failure or delay in exercising any of our rights under this Agreement does not mean that we
are unable to exercise those rights later.

Electronic Check Conversion.
If you make a payment on this Account utilizing a check, you authorize us either to use the
information from your check to make a one-time electronic fund transfer from your
checking/deposit account or to process the payment as a check transaction. When we use
information from your check to make an electronic fund transfer, funds may be withdrawn from
your bank account as soon as the same day you make your payment, and you will not receive
your check back from your financial institution. For inquiries, or to opt out of one-time electronic
fund transfers, please call the number listed on the back of your Card.

Payments That Are Returned on Your Account.
If a payment you make is not honored by your bank and we have already credited your account
for the payment, we will reverse the credit in the following manner. We separately total the
amounts credited to Purchases, Cash Advances, and Balance Transfers. For each such amount
we create a new transaction at the then current applicable rate for Purchases, Cash Advances
and Balance Transfers, respectively, and add that transaction to your account as of the date the
original payment was first credited to your Account.

Payment Allocation.
Subject to any mandatory provisions of applicable law, in most instances, we will allocate any
amount over your minimum payment to the highest APR balances first. Payments up to the
minimum payment will be applied at our discretion, including to lower APR balances first.

Liability for Unauthorized Use of Your Account.
If your Card or any Check(s) are lost or stolen or if you have reason to think someone may use
your Account without your permission, you must notify us at once. Please either visit
BOHCreditCard.com and send us an e-mail or telephone us at 1-888-455-5330 concerning the
loss or theft of your Card or Checks or the possible unauthorized use of your Account. Do not
use the Card, Account number or any Checks after they have been reported lost or stolen, even
if they are found or returned. You will not be liable for unauthorized use of the Account;
however, you must identify for us the charges that were not made by you or someone
authorized by you and through which you received no benefit. We may require you to provide us
with certain information and to comply with our investigation procedures. We may terminate or
limit access to your Account if you have notified us or we have determined that your Card or

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Checks may have been lost or stolen, or that there may be unauthorized access to your
Account.

Assignment.
We may at any time assign or sell your Account, any sums due on your Account, this
Agreement or our rights or obligations under this Agreement. The person(s) to whom we make
any such assignment or sale shall be entitled to all of our rights under this Agreement, to the
extent assigned.

Governing Law.
THIS AGREEMENT AND YOUR ACCOUNT WILL BE GOVERNED BY THE LAWS OF THE
STATE OF HAWAII AND, AS APPLICABLE, FEDERAL LAW.

Inquiries or Questions About Your Account.
You may address any inquiries or questions which you have about your Account to Bank of
Hawaii, by visiting the website on the back of your Card and sending us an e-mail, writing us at
Card Services, PO Box 8802, Wilmington, DE 19899-8802, or calling us at the number on the
back of your Card. If you telephone or e-mail us instead of writing, you may lose certain rights
the law gives you to dispute billing errors.

If You Have a Complaint with Us.
We are committed to providing quality products and services to our customers. To do this, we
seek opportunities to make lives simpler for our customers, provide avenues for our customers
to report any form of dissatisfaction that they may have with us, and have established complaint
principles. For additional information about our complaint policy, please refer to the Customer
Service section on BOHCreditCard.com. If you are unhappy and would like to submit a
complaint, you can do so by either writing us at Card Services, PO Box 8801, Wilmington, DE
19899-8801 or calling us at 1-888-455-5330.

Arbitration.
THIS ARBITRATION SECTION DOES NOT APPLY TO YOU IF YOU ARE SUBJECT TO THE
PROTECTIONS OF THE MILITARY LENDING ACT

.At the election of either you or us, any claim, dispute or controversy (“Claim”) by either you or
us against the other, arising from or relating in any way to this Agreement or your Account, or
their establishment, or any transaction or activity on your Account, including (without limitation)
Claims based on contract, tort (including intentional torts), fraud, agency, negligence, statutory
or regulatory provisions or any other source of law and (except as otherwise specifically
provided in this Agreement) Claims regarding the applicability of this arbitration provision or the
validity of the entire Agreement, shall be resolved exclusively by arbitration. For purposes of this
provision, “you” includes yourself, any authorized user on the Account, and any of your agents,
beneficiaries or assigns, or anyone acting on behalf of the foregoing, and “we” or “us” includes
our employees, parents, subsidiaries, affiliates, beneficiaries, agents and assigns, and to the
extent included in a proceeding in which Bank of Hawaii is a party, its service providers and
marketing partners. ANY CLAIMS SOUGHT TO BE MADE OR REMEDIES SOUGHT TO BE
OBTAINED AS PART OF ANY CLASS ACTION, PRIVATE ATTORNEY GENERAL OR OTHER
REPRESENTATIVE ACTION (HEREAFTER ALL INCLUDED IN THE TERM “CLASS ACTION”)
SHALL BE SUBJECT TO ARBITRATION, AND ARBITRATED ON AN INDIVIDUAL BASIS
BETWEEN YOU AND US, NOT ON A CLASS OR REPRESENTATIVE OR OTHER
COLLECTIVE BASIS. The arbitrator shall not have any authority to entertain a Claim, or to
award any relief, on behalf of or against anyone other than a named party to the arbitration
proceeding. If any Claim is advanced in a court, arbitration may be elected under this provision
instead, and the right to elect arbitration shall not be deemed to have been waived if the election
is made at any time before commencement of trial.

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Alternatively, you and we may pursue a Claim within the jurisdictional limit of the Small Claim
Division of the District Court in Hawaii, or the equivalent Small Claims Court in your home
jurisdiction, provided that the action remains in that court, is made on behalf of or against you
only and is not made part of a class action, private attorney general action or other
representative or collective action.

The arbitration shall be administered by the Dispute Prevention and Resolution, Inc. at
www.dprhawaii.com, 1003 Bishop St., Suite 1155, Honolulu, HI 96813 (the “Administrator”). The
Administrator provides information about arbitration, its arbitration rules and procedures, fee
schedule and claims forms at its web site or by mail as set forth above. The Administrator will
apply the rules and procedures in effect and applicable to the claim at the time the arbitration is
filed. The Claim will be heard before a single arbitrator. The arbitration will not be consolidated
with any other arbitration proceedings. The Administrator shall resolve each dispute in
accordance with applicable law.

If you commence arbitration, you must provide us the notice required by the Administrator’s
rules and procedures. The notice may be sent to us at Card Services, P.O. Box 8802,
Wilmington, DE 19899-8802. If we commence arbitration, we will provide you notice at your last
known billing address. We agree to honor a request by you to remove the action to a Small
Claims Court, provided that we receive the request within thirty days of the notice of
commencement of arbitration. Any arbitration hearing at which you appear will take place at a
location within the federal judicial district that includes your billing address at the time the Claim
is filed.

This arbitration agreement is made pursuant to a transaction involving interstate commerce, and
shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16. No class actions, joinder or
consolidation of any Claim with a Claim of any other person or entity shall be allowable in
arbitration, without the written consent of both you and us. In the event that there is a dispute
about whether limiting arbitration of the parties’ dispute to non-class proceedings is enforceable
under applicable law, then that question shall be resolved by litigation in a court rather than by
the arbitrator; and to the extent it is determined that resolution of a Claim shall proceed on a
class basis, it shall so proceed in a court of competent jurisdiction rather than in arbitration.

A party can file with the Administrator a written appeal of a single arbitrator’s award within 30
days of award issuance, requesting a new arbitration in front of three neutral arbitrators
designated by the Administrator. The panel will reconsider all factual and legal issues, following
the same rules of procedure, and will make decisions based on majority vote. Any final
arbitration award will be binding on the named parties and enforceable by any court having
jurisdiction. Judgment upon any arbitration award may be entered in any court having
jurisdiction.

We will pay, or reimburse you for, all fees or costs to the extent required by law or the rules of
the arbitration Administrator. Whether or not required by law or such rules, if you prevail at
arbitration on any Claim against us, we will reimburse you for any fees paid to the Administrator
in connection with the arbitration proceedings. Under no circumstances will we seek from you
payment or reimbursement of any fees that we incur in connection with arbitration. In addition, in
any arbitration that you elect to file that could be heard in Small Claims Court in your jurisdiction,
we will pay the filing fees and other arbitration fees above the cost of filing in that Small Claims
Court. If you are required to advance any fees or costs to the arbitration Administrator, but you
ask us to do so in your stead, we will consider and respond to your request.

This arbitration agreement applies to all Claims now in existence or that may arise in the future,
and it survives the termination of the Cardmember Agreement and the Account relationship,
including your payment in full, and your filing of bankruptcy. Nothing in this Agreement shall be
construed to prevent any party’s use of (or advancement of any claims, defenses, or offsets in)

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bankruptcy or repossession, replevin, judicial foreclosure or any other prejudgment or
provisional remedy relating to any collateral, security or property interests for contractual debts
now or hereafter owed by either party to the other under this Agreement.

ARBITRATION WITH RESPECT TO A CLAIM IS BINDING AND NEITHER YOU NOR WE
WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION
YOU AND WE WILL NOT HAVE THE RIGHTS THAT ARE PROVIDED IN COURT INCLUDING
THE RIGHT TO A TRIAL BY JUDGE OR JURY AND THE RIGHT TO PARTICIPATE OR BE
REPRESENTED IN PROCEEDINGS BROUGHT BY OTHERS SUCH AS CLASS ACTIONS
OR SIMILAR PROCEEDINGS. IN ADDITION, THE RIGHT TO DISCOVERY AND THE RIGHT
TO APPEAL ARE ALSO LIMITED OR ELIMINATED BY ARBITRATION. ALL OF THESE
RIGHTS ARE WAIVED AND ALL CLAIMS MUST BE RESOLVED THROUGH ARBITRATION.

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