PLATINUM HERITAGE CREDIT CARD AGREEMENT  
(Private Banking) 

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.  
After that, the APR will be 11.24%. This APR will vary with the market based on the U.S. 
Prime Rate. 

APR for Balance 
Transfers 

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 11.24%.  This APR 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 may be applied to your Credit Card account if you make a late payment. 

      How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six   
      consecutive Minimum Payments when due. 

Paying Interest 

Your due date is at least 25 days after the close of each billing 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 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

Fees 

Annual Fee 

Transaction Fees 
•  Foreign Transaction 
•  Balance Transfer  
•  Convenience Check 
•  ATM Cash Advance 
•  Over-the-counter  
   Cash Advance  

Penalty Fees 
•  Late Payment 
•  Over Credit Limit 
•  Returned Payment 

If you are charged interest, the charge will be no less than $1.00. 

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. 

$50  
(we reserve the right to waive the fee so long as you remain a Private Banking customer) 

2.5% of the U.S. Dollar amount of any Purchase or Cash Advance made in a foreign currency 

Either $5 or 3% of the amount of each transfer, whichever is greater (maximum fee $50) 

Either $5 or 3% of the amount of each check, whichever is greater (maximum fee $50) 

Either $3 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee $50) 

Either $5 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee $50) 

Up to $35  

Up to $15 (if you opt-in) 

Up to $35 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new Purchases).”  
See the paragraph of this Agreement titled “Computing Your Interest Charge” for more details. 

Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if you make a late payment. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in this 
Agreement. 

SEE NEXT PAGE FOR IMPORTANT INFORMATION ABOUT YOUR ACCOUNT. 

Private Banking Plat 

                                            Page 1 of 6 

                                 Rev. Date 10/12/12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
This  Platinum  Card  Agreement  (“Agreement”)  covers  your  Private 
Banking  Platinum  Card  account  (“Credit  Card  account”)  you  have  with 
us.  By  requesting  or  accepting  a  Credit  Card  account,  you  agree  to  be 
bound by all the terms of this Agreement. In this Agreement, the words 
“you” or “your” mean everyone who has requested or accepted a Credit 
Card account with us. The words “we,” “us,” “our,” or “Bank” mean First 
Hawaiian Bank. 
1.  Use.  Your  Platinum  MasterCard®  and  Platinum  Visa®  card 
(individually  or  collectively  called  “Card”)  may  be  used  as  a  credit  card 
for  purchases  of  goods  or  services  from  participating  merchants 
(“Purchases”)  or  to  get  Cash  Advances  from  us  or  any  other  financial 
institution  displaying  the  “MasterCard”  or  “Visa”  logo,  or  to  purchase 
certain  items  such  as  traveler's  cheques,  foreign  currency,  money 
orders, wire transfers, lottery tickets, or (except as noted below) funds to 
be used for wagers or gambling (all of which are collectively referred to 
as “Cash Advances”) up to your Credit Limit. 

You  can  also  obtain  a  Cash  Advance  by  writing  a  special  check 
(“Convenience  Check”),  which  accesses  the  available  Cash  Advance 
limit  on  your  Credit  Card  account.    Convenience  Checks  are  available 
from  us  upon  request,  or  we  may  periodically  provide  Convenience 
Checks  as  a  special  promotion.      If  you  use  a  Convenience  Check 
available  upon request, all of the terms of this Agreement applicable to 
Cash  Advances  will  apply  to  the  Convenience  Check.    If  we  offer  a 
special promotion, we will explain to you any special terms of the use of 
the  Convenience  Checks.    The  Cash  Advance  from  a  Convenience 
Check will be posted to your Credit Card account when the Convenience 
Check reaches us. The Convenience Check fee described on page 1 of 
this Agreement will be imposed on each Convenience Check you write.  
If you stop payment on a Convenience Check, your Credit Card account 
will be charged the fee shown in the paragraph of this Agreement called 
“Other Fees."  

From  time  to  time  we  may  offer  a  special  balance  transfer 
promotion, which is an opportunity to make a Cash Advance to pay the 
balance on another loan you have, by transferring the other loan balance 
to your Credit Card account.  If we offer a balance transfer promotion, at 
that  time  we  will  explain to you the terms of the promotion.  Unless we 
tell  you  otherwise,  all  the  references  in  this  Agreement  to  balance 
transfers will apply to any special balance transfer promotion offered. 

Your Card may also be used in certain automated terminals to gain 

access to your checking, savings, and Credit Card accounts.  

Your Card and Credit Card account may be used only for valid and 
lawful purposes.  You may not use your Card (i) to make Purchases or 
obtain  Cash  Advances  for  any  illegal  transaction,  or  (ii)  for any internet 
or  online  gambling  transactions.  Transactions  for  online  or  internet 
gambling  will  not  be  approved.  If  you  use  your  Card  for  any  illegal  or 
prohibited  transaction,  this  Agreement  also  applies  to  such  transaction 
and  you  agree  to  pay  any  and  all  amounts  related  to  such  transaction 
pursuant to the terms of this Agreement. We may, in our sole discretion, 
restrict  the  use  of  or  terminate  your  Card  if  we  notice excessive use of 
your  Card  or  other  suspicious  activities  or  if  we  reasonably  believe  the 
Card  is  or  has  been  used  for  one  or  more  illegal  or  prohibited 
transactions. 

We have no responsibility for the failure of any machine, merchant, 
financial institution, or any other party to honor your Card. If you use, or 
allow someone else to use the Card or Credit Card account for any other 
purpose,  you  will  be  responsible  for  such  use  and  may  be  required  to 
reimburse  us  for  all  amounts  or  expenses  we  pay  as  a  result  of  such 
use. 
2.  Credit  Limit.  We  will  notify  you  of  the  Credit  Limit  for  each  Credit 
Card  account  you  have  with  us.  You  agree  that  your  total  charges, 
including  Purchases,  Cash  Advances,  FINANCE  CHARGES  (including 
but  not  limited  to  interest,  Foreign  Transaction  Fees,  Cash  Advance, 
Balance  Transfer  and  Convenience  Check  Transaction  Fees),  late 
charges,  membership  fees,  over-limit  fees,  and  other  fees  that  may  be 
due will not exceed your Credit Limit.  

We  will  decline  any  transaction  that  causes  you  to  go  over  your 
Credit Limit unless you have agreed in advance to pay the over-limit fee.  
Even  if  you  do  not  agree  to  pay  the  over-limit  fee,  there  may  be  some 
situations  that  will  cause  your  account  to  go  over  the  Credit  Limit,  and 
you  will  remain  responsible  to  repay  all  over-limit  amounts.    If  your 
account  is  over  the  Credit  Limit,  we  may  reduce  the  available  Credit 
Limit of any other Credit Card account you have with us until such time 
as  the  excess  amount  is  repaid.   If you agree to pay the over-limit fee, 
this does not mean we will always approve transactions that exceed your 
Credit  Limit.    If  you  agree  to  pay  the  over-limit  fee,  we  may  impose an 
over-limit  fee  in  the  amount  shown  on  page  1  for  the  first  billing  cycle 
when you exceed your Credit Limit.   If your Credit Card account remains 
over the Credit Limit in subsequent billing cycles for the same over-limit 
transaction(s), an over-limit fee may be imposed in each of the next two 
billing cycles. You may cancel your agreement to pay the over-limit fee 
at any time by contacting us.   

You  may  apply  to  increase  your  Credit  Limit,  and  we  reserve  the 
right  to  lower  it.  We  may  designate  that  only  a  portion  of  your  Credit 
Limit  is  available  for  Cash  Advances.  If  we  do  so  and  you  exceed  that 
limit,  you  will  be  considered  to  have  exceeded  your  Credit  Limit  for  all 
purposes  of  the  Agreement.  For  security  reasons,  we  may  limit  the 
number  or  amount  of  Purchase,  Cash  Advance  and/or  Convenience 
Check  transactions  that  may  be  accomplished  with your Card or Credit 
Card  account.  We  may  also  limit  authorizations  to  make  Purchases  or 
obtain Cash Advances if we consider it necessary to verify collection of 
Payments received on your Credit Card account.  
3.  Temporary  Reduction  of  Credit  Limit.  Merchants,  such  as  car 
rental  companies and hotels, may request prior credit approval from us 
for an estimated amount of your Purchases, even if you ultimately do not 
pay  by  credit.  If  our  approval  is  granted,  your  available  Credit  Limit  will 
temporarily  be  reduced  by  the  amount  authorized  by  us.  If  you  do  not 
ultimately  use  your Credit Card account to pay for your Purchases or if 
the  actual  amount  of  Purchases  posted  to  your  Credit  Card  account 
varies from the estimated amount approved by us, it is the responsibility 
of the merchant, not us, to cancel the prior credit approval based on the 
estimated  amount.  The  failure  of  the  merchant  to  cancel  a  prior  credit 
Private Banking Plat 

approval may result in a temporary reduction of your available Credit Limit, but 
will not increase the amount you owe us under this Agreement. 
4.  Agreement  to  Pay.  When  you  use  your  Card  or  Credit  Card  account,  or 
when you permit anyone to use it, you agree to pay the amount of any and all 
Purchases  or  Cash  Advances  (including  Purchases  and/or  Cash  Advances 
which  may  have  been  made  in  violation  of  this  Agreement),  FINANCE 
CHARGES  (including  but  not  limited  to  interest,  Foreign  Transaction  Fees, 
Cash Advance, Balance Transfer and Convenience Check Transaction Fees), 
late  charges,  membership  fees,  over-limit  fees,  and  other  fees  that  may 
become due as shown on the periodic statement. If we accept a payment from 
you in excess of your outstanding balance, your available Credit Limit will not 
be  increased  by  the  amount  of  the  overpayment  nor  will  we  be  required  to 
authorize transactions for an amount in excess of your Credit Limit. 
5.  Periodic  Statement.  Each  month  we  will  send  you  a  periodic  statement 
for  each  Credit  Card  account  you  have  with  us  covering  the  previous  billing 
period.  We  may  not  send  you  a  statement  if  your  balance  is  zero  and  there 
were  no  transactions  during  the  billing  period.  The  statement  will  have  a 
“Statement  Closing  Date”  and  a  “Payment  Due  Date,”  and  will  show,  among 
other things, your “Previous Balance,” your “New Balance,” and your minimum 
monthly payment, which will be shown as the “Minimum Payment Due.”  The 
periodic statement is part of this Agreement. 
6.  Payment.  You  must  make  a  payment  by  the  “Payment  Due  Date.”  You 
have  two  choices:  You  may  pay  the  entire  “New  Balance”  or  you  may  pay in 
installments  by  paying  at  least  the  “Minimum  Payment  Due.”  All  payments 
must  be  made  in  the  lawful  money  of  the  United  States  of  America.    When 
your  payment  is  properly  received,  we  will  apply  your  Minimum  Payment  as 
permitted by law. If you make a payment in excess of the Minimum Payment, 
the  excess  amount  will  be  applied  first  to  your  balance  with  the  highest 
ANNUAL  PERCENTAGE  RATE.    Any  remaining  amount  of  your  excess 
payment  will  be  applied  to  the  balance  with  the  next  highest  ANNUAL 
PERCENTAGE RATE, and so on. Upon confirmation of collection, we will add 
any  Cash  Advances  or  Purchases  repaid  to  your  available  Credit  Limit; 
however,  in  the  event  of  payment  by  personal  or  business  check,  we  may 
delay  replenishing  your  available  Credit  Limit  until  your  check  clears.    This 
means that you may not have access to all or part of the Credit Limit until we 
have collected the funds by which you have made payment on the account. If 
payments  are  made  by  certified  or  cashier’s  check,  electronic  funds  transfer, 
automated  clearing  house,  or  other  means  that  provide  immediate  collected 
funds, we may waive the right to delay restoration of the Credit Limit. 

Payments  must  be  mailed  to  the  BankCard  Center  address  specified  in 
your statement. Payments must reach our BankCard Center by 5:00 p.m. HST 
during  our  regular  business  days  in  order  to  be  credited  on  that  date. 
Payments received after the cutoff time of 5:00 p.m. HST will be credited as of 
the following business day. If you make a payment in person at our branches 
with the assistance of a branch employee prior to regular closing time for the 
branch,  the  payment  will  be  credited  as  of  the  date  received.  If  you  make  a 
payment by any means other than by mail to our BankCard Center (including 
payments  made  by  using  FHB  Online),  crediting  of  your  payment  may  be 
delayed. 

From  time  to  time,  we  may  let  you  skip  or  reduce  one  or  more  monthly 
payments during a year and/or we may temporarily reduce or eliminate certain 
FINANCE CHARGES on all or a portion of your Credit Card account balance 
or offer you other special terms. If we do, we will advise you of the scope and 
duration  of  the  applicable  skip  or  promotional  feature.  When  the  skip  or 
promotional  feature  ends,  your  regular  rates  and  all  the  terms  of  the 
Agreement will resume. 
7.  Minimum  Payment–Late  Charge.  At  least  the  amount  of  the  “Minimum 
Payment Due” must be received by us by the “Payment Due Date.” If it is not, 
we  may  apply  the  late  charge  shown  on  page  1  (if  permitted  by  law),  unless 
such  charge  would  result  in  an  interest  charge  greater  than  the  maximum 
allowable  by  law,  in  which  case  we  will  only  charge  the  maximum  allowable 
rate. The “Minimum Payment Due” will include the amount calculated by using 
the  table  shown  below,  and  will  also  include  any  amount  past  due  on  your 
account.    Your  statement  will  include  the  past  due  amounts  as  part  of  the 
“Minimum Payment Due.” 

“New Balance” 
$  0.01 – $24.99 
$25.00 or more 

“Minimum Payment Due” 

Entire “New Balance” 
$25 or 3% of “New Balance”, 
whichever is greater 

8.  When You Must Pay to Avoid Interest Charges. There may be different 
treatments  of  interest  charges  for  Purchases  and  Cash  Advances,  even 
though  they  are  computed  the  same  way.  You  may  avoid  paying  an  interest 
charge on Purchases if you pay the entire New Balance early enough to reach 
us by the Payment Due Date. If we do not receive the entire New Balance by 
the Payment Due Date, the interest charge will be charged on Purchases from 
the  date  of  the  transaction.  Interest charges on Cash Advances begin on the 
transaction  date  of  each  Cash  Advance  and  will  be  assessed  even  if  your 
entire New Balance is paid by the Payment Due Date. 
9.  Computing Your Interest Charge. We figure the interest charge on your 
account  by  applying  the  periodic  rate  to  the  “Average  Daily  Balance”  of 
Purchases  and  “Average  Daily  Balance”  of  Cash  Advances,  including current 
transactions. 

a.  Average  Daily  Balance.  To  get  the  “Average  Daily  Balance  of 
Purchases”  we  take  the  beginning  balance  of  your  Credit  Card  account 
each  day,  add  any  new  Purchases,  and  subtract  any  unpaid  interest  or 
other finance charges, Cash Advances, payments, other credits that were 
applied to Purchases, late charges, membership fees, over-limit fees, and 
other fees.  If you paid the Purchases balance in full by the Payment Due 
Date  in  the  previous  billing cycle, in the current billing cycle we will credit 
payments  otherwise  applicable  to  Purchases  based  on  our  allocation 
method as of the first day of the current billing cycle. These computations 
give us the Purchases daily balance.  To get the “Average Daily Balance of 
Cash  Advances”  we  take  the  beginning  balance  each  day,  add  any  new 
Cash Advances, and subtract any unpaid interest or other finance charges, 
Purchases,  payments,  other  credits  that  were  applied  to  Cash  Advances, 
late charges, membership fees, over-limit fees, and other fees.  This gives 
us the Cash Advances daily balance.  Then we add up all of the Purchases 
and  Cash  Advance  daily  balances  for  the  billing  period  and  divide  each 
total  by  the  number  of  days  in  the  billing  period.    This  gives  us  the 
“Average Daily Balances.” 

                                            Page 2 of 6 

                                 Rev. Date 10/12/12 

 
the 

  After 

Initial  Rate  Period, 

b.  Figuring the Interest Charge. We compute the interest charge 
by multiplying these Average Daily Balances by the applicable Daily 
Periodic Rate, and then we multiply the result by the number of days 
in the billing period. To determine the Daily Periodic Rate, we divide 
the ANNUAL PERCENTAGE RATE in effect for the billing period by 
365.   Your Credit Card account is made on a Variable Rate basis for 
Purchases,  and  the  ANNUAL  PERCENTAGE  RATE  and  Daily 
Periodic  Rate  for  Purchases  are  described  in  the  paragraph  of  this 
Agreement below called “Variable Rate.” The Daily Periodic Rate for 
Cash Advances is a Fixed Rate of .0493%, which is equivalent to an 
ANNUAL PERCENTAGE RATE of 18.00%. 
c.  Variable  Rate.  The  initial  ANNUAL  PERCENTAGE  RATE  for 
Purchases and transfers of account balances you have with another 
creditor  ("Balance  Transfers")  is  a  fixed  promotional  rate  as  shown 
on  page  1  of  this  Agreement  and  will  remain  in  effect  for  your  first 
eight billing cycles following the opening of your account ("Initial Rate 
Period").    The  Daily  Periodic  Rate  during  the  Initial  Rate  Period  for 
Purchases  and  Balance  Transfers  is  .0082%.    After  the  Initial  Rate 
Period, the Daily Periodic Rate for Purchases and Balance Transfers 
based on the Current Index and Rate Spread described below will be 
.0308%  and  the  corresponding  ANNUAL  PERCENTAGE  RATE  will 
be  11.24%. 
the  ANNUAL 
PERCENTAGE  RATE  for  Purchases  and  Balance  Transfers  will 
change to the current rate shown on page 1 of this Agreement.  The 
current  Daily  Periodic  Rate for Purchases and Balance Transfers is 
.0308%  The  Daily  Periodic  Rate  and  the  corresponding  ANNUAL 
PERCENTAGE RATE may change (by increasing or decreasing) on 
the first day of each of your billing cycles that begin in March, June, 
September, and December. Each date on which the rate of interest 
could  change  is  called  a  “Change  Date.” Changes will be based on 
changes  in  the  “Index.”  The  Index  is  the  highest  U.S.  Prime  Rate 
published in the “Money Rates” section of The Wall Street Journal on 
the  last  business  day  of  the  calendar  month  prior  to  the  month  in 
which the Change Date occurs. The most recent Index is called the 
“Current Index.”  If the Index is no longer available, we will choose a 
new  Index  based  upon  comparable  information  and  will  give  you 
notice of our choice. Your interest rate for Purchases is based on a 
variable  rate  equal  to  the  sum  of  the  Current  Index  plus  a  “Rate 
Spread” of 7.99 percentage points.  (The Rate Spread is also called 
Immediately  before  each  Change  Date  we  will 
the  Margin.) 
determine  the  new  interest  rate  for  Purchases  by  adding  the  Rate 
Spread  to  the  Current  Index.  For example, if the Current Index was 
3.25%  and  the  Rate  Spread  7.99  percentage  points,  the  ANNUAL 
PERCENTAGE  RATE  would  be  11.24%  and  by  dividing  this 
percentage  figure  by  365,  we  would  compute  a  Daily  Periodic  Rate 
of .0308%. The new interest rate for Purchases will become effective 
at  the  start  of  your  first  billing  cycle  after  the  Change  Date.  The 
ANNUAL  PERCENTAGE  RATE  will  not  exceed  the  maximum  rate 
permitted  by  law.  The  effect  of  any  increase  in  the  ANNUAL 
PERCENTAGE  RATE  and  the  Daily  Periodic  Rate  for  Purchases 
would be to increase the amount of interest you must pay and thus 
increase your monthly payments. 
Introductory  and  Promotional  Rates.  At  our  discretion,  we 
d. 
may  offer  you  an 
introductory  or  promotional  ANNUAL 
PERCENTAGE  RATE  for  your  Credit  Card  account.  For  example, 
we may offer you an introductory ANNUAL PERCENTAGE RATE for 
Purchases  when  you  open  your  Credit  Card  account,  or  a 
promotional  ANNUAL  PERCENTAGE  RATE  for  Balance  Transfers. 
The  time  period  for  which  the  introductory  or  promotional  ANNUAL 
PERCENTAGE  RATE  applies  may  be  limited.  Any  introductory  or 
promotional  ANNUAL  PERCENTAGE  RATE  offer  will  be  subject  to 
the terms of the offer and this Agreement, including but not limited to 
the Penalty APR described in the paragraph of this Agreement called 
“Default”. We will provide you with information on the offer, including 
the 
introductory  or  promotional  ANNUAL 
PERCENTAGE RATE is in effect in the documents that accompany 
your Credit Card or in the materials we send you about the offer after 
you receive your Credit Card. 

time  period 

the 

10.  Minimum Interest Charge.  If the interest charge for all balances on 
your  Credit  Card  account  is  less  than  $1.00,  we  will  charge  you  the 
Minimum Interest Charge shown on page 1. This charge is in lieu of any 
interest charge. 
11.  Foreign  Transaction  Fee.  If  you  make  a  Purchase  or  Cash 
Advance in a foreign currency, it will be billed to you in U.S. dollars.  You 
will  be  billed  the  foreign  transaction  fee  for  these  Purchases  and  Cash 
Advances  made  in  foreign  currency  in  the  amount  shown  on  page  1.  
This  fee,  which  is  a  FINANCE  CHARGE,  is  not  a  foreign  currency 
conversion charge and is not based on our exchange cost.  
12.  Other Transaction Fees.  We will charge your Credit Card account 
when  appropriate the transaction fees shown on page 1, each of which 
are  FINANCE  CHARGES.  Each  of  these  fees  will  be  added  to  your 
Credit Card balance when charged. 
13.  Other  Fees.  You  also  agree  to  pay  us  the  appropriate  fees  listed 
below and shown on page 1, which may be amended from time to time 
by  us.  You  authorize  us  to  charge  your  Credit  Card  account  (or  the 
account from which you obtained money or information in the case of an 
automated terminal transaction) for fees due to us. We reserve the right 
to  waive  these  fees  from  time  to  time.  If  we  incur  special  expenses  on 
your  Credit  Card  account  due  to  a  request  made  by  you,  we  may  also 
charge you for these expenses. 

Automated Teller Machine (ATM) Transaction Fees 
(For cards with ATM deposit account access) 

At a First 
Hawaiian ATM 

At a Network 
ATM 

•  Deposit Account Withdrawal 

♦  Domestic 
♦ 

International 

•  Balance Inquiry 
•  Checking Account Statement 

N/C 
N/A 
N/C 
$1.50 

$1.50 
$5.00 
$  .75 
N/A 

Note:  N/C  =  No  Charge;  N/A  =  Not  Applicable;  Domestic  =  at  an  ATM  in 
Canada,  U.S.  and  its  protectorates  and  territories,  including  Guam  and  the 
Commonwealth of the Northern Mariana Islands (CNMI). 

Payable at Time of Request 

•  MasterCard Temporary Replacement Card or Gold 

Visa Temporary Replacement Card issued by 
MasterCard International or Visa Travel Service Center. 
Temporary card is good for approximately one month 
and cannot be used in ATMs. 

♦  Domestic Fee: 
♦ 

International Fee: 

•  Emergency Cash Advance issued by MasterCard 

International or Visa Travel Service Center is limited to 
$1,000 or your available credit limit, whichever is less. 

•  Copy of Sales Draft 
•  Research Fee 
•  Statement Copy Fee 
•  Convenience Check Stop Payment Order/Return 

Convenience Check Fee 

$  95.00 
$125.00 
$  50.00 

$    5.00 
$  20.00/hr 
$   5.00 
$ 16.00 

•  Listing in Combined Warning Bulletin Per Region 

$ 10.00 

Payable at Time of Delivery 

•  Replacement Card issued by First Hawaiian Bank 
•  Returned Payment Check (due to insufficient funds, 

$ 20.00 
Up to $35 

stop payment order on your check, etc.) 

14.  Authorizing  Transactions.  We  reserve  the  right  to  decline  a  transaction 
on  your  account  for  any  reason,  including  but  not  limited  to  operational 
considerations,  your  account  being  in  default,  or  we  suspect  fraudulent  or 
unlawful  activity.    We  are  not  responsible  for  any  losses  incurred  if  a 
transaction on your account is declined for any reason, either by us or a third 
party, even if you have sufficient credit available.  
15.  Credit Insurance is Optional. If you choose to purchase credit insurance, 
the  premiums  will  be  computed  on  the  Average  Daily  Balance  of  Purchases 
and  Cash  Advance,  including  finance  and  other  charges,  up  to  $5,000.  The 
cost  for  credit  insurance  is  65¢  per  $100  of  your  average  daily  balance  of 
Purchases  and  Cash  Advances.  During  months  when you have no balances, 
there  is  no  charge.  Credit  insurance  premiums  will  be  added  to  your  Credit 
Card account as Purchases. 
16.  Annual  Membership  Fees.    The  annual  membership  fee  for  a  Private 
Banking Platinum Card account is shown on page 1.  The fee will be charged 
on  a  periodic  statement  shortly  after  you  open  your  Credit  Card  account  and 
after that in the same month every year.  We reserve the right to waive the fee. 
17.  Default.  We  may  declare  the  entire  balance  for  all  Credit  Card  accounts 
due  and  payable  at  once  with  or  without  notice  or  demand  if  any  of  these 
events (“Default”) happens: 

If you violate any terms of this Agreement. 

If  you  miss  a  payment  under  this  Agreement  or  any  other  obligation 

a. 
you owe us; or 
b. 
If you are in Default, we may terminate your Credit Card account, make no 
more  additional  loans  or advances, and require you to immediately repay the 
entire  unpaid  balance  of  all  amounts  due  on  your  Credit  Card  account, 
including  but  not  limited  to  all  loan  amounts,  late  charges  and  other  charges 
assessed  but  not  paid,  and  all  of  the  FINANCE  CHARGES  accrued  but  not 
paid.  If  we  terminate  your  Credit  Card  account,  your  obligation  to  repay  the 
amounts you already owe us would continue.   

At  our  option,  we  may  also  take  action  short  of  terminating  your  Credit 
Card  account.  If  your  required  Minimum  Payment  (shown  on  your  periodic 
statement  as  “Minimum  Payment  Due”)  is  not  received  within  60  days  of  the 
payment due date, we may increase your ANNUAL PERCENTAGE RATE for 
Purchases  and  Cash  Advances  and  any  applicable  promotional  rates  to  a 
.0493% Daily Periodic Rate and an ANNUAL PERCENTAGE RATE (“Penalty 
APR”)  of  18.00%  fixed  for  the  entire  outstanding  balance.  We  will  send  you 
advance  written  notice  that  your  ANNUAL  PERCENTAGE  RATE  will  be 
increasing.  Your payments under this Agreement, including the amount of the 
FINANCE  CHARGE,  will  increase  as  a  result  of  the  increase  in  your  Daily 
Periodic Rate and ANNUAL PERCENTAGE RATE, and any such increase in 
your Daily Periodic Rate and ANNUAL PERCENTAGE RATE will be shown on 
your  periodic  statement.  We  will  reinstate  your  Daily  Periodic  Rate  and 
ANNUAL  PERCENTAGE  RATE  to  the  rate  set  forth  in  this  Agreement  once 
you have made six consecutive Minimum Payments on or before the due date, 
starting with the first billing cycle after the Penalty APR is imposed. If we take 
such  lesser  action  initially,  we reserve the right to terminate your Credit Card 
account  and  accelerate  all  amounts  due  under  this  Agreement  regardless  of 
whether any additional events have occurred that would permit termination and 
acceleration. 
18.  Automated  Terminal  Services  Involving  Your  Checking  or  Savings 
Account.  (Some  of  these  services  are  only  available  if  your  Credit  Card 
account is linked to your checking or savings account with us.) 

a.  Automated  Terminals.  You  may  use  your  Card  in  the  following 
automated terminals: 

i.  Our First Hawaiian automated teller machines (“First Hawaiian 

ATM”). 

ii.  Any other automated teller machine (including any ATM we may 

own besides First Hawaiian ATM) that is participating in a network 
and accepts our Card (“Network ATM”) and 

iii.  Any point-of-sale terminal that accepts our Card (“POS terminal”). 

b.  Services Available at an Automated Terminal. 

i.  You may use your Card at a First Hawaiian ATM to: 

•  Withdraw cash from your checking or savings account. 
•  Make deposits to your checking or savings account. 
•  Move funds between your checking and savings accounts. 
• 
Pay certain utilities or make payments due to the Bank by 
enclosing a check. 

•  Get your checking, savings, or Credit Card account 

balances. These balances may not include some 
transactions recently made in your account. 
•  Move funds from your Credit Card account to your 

checking account. 

Private Banking Plat 

                                            Page 3 of 6 

                                 Rev. Date 10/12/12 

 
 
 
 
 
 
 
 
 
 
 
 
 
•  Get a Cash Advance from your Credit Card account. 
•  Get an interim statement printout of all posted 

transactions on your checking account since the last 
regular statement period up to the previous 
business day. 
At certain locations, cash a check (rounded to the 
nearest $20 increment). 

• 

ii. 

 You  may  use  your  Card  at  any  Network  ATM  to  (some  of 
these services may not be available at all Network ATMs): 
•  Withdraw cash from your checking or savings 

account. 

•  Get a Cash Advance from your Credit Card account. 
•  Get your checking, savings, or Credit Card account 

balances. These balances may not include some 
transactions recently made in your account. 
 You  may  use  your  Card  at  a  POS  terminal  to  purchase 
certain  merchandise.  The  amount  of  your  purchase  will 
automatically  be  charged  to your Credit Card account as a 
Purchase. 

iii. 

c.  Limits of Automated Terminal Services. 

i.  Withdrawals and Cash Advances. You may withdraw cash 
or get a Cash Advance from a First Hawaiian ATM up to an 
aggregate  amount  of  $1,000  each  calendar  day,  provided 
that  this  amount  does  not  exceed  your  available  account 
balance  or  Credit  Limit.  This  amount  may  be  less  for  cash 
withdrawals and Cash Advances from Network ATMs. 

You  authorize  us  to  charge  any  withdrawal  by  use  of 
your  Card  to  your  checking  account  or  savings  account  as 
though  you  had  specifically  signed  a  withdrawal 
authorization. If there are insufficient funds in an account to 
cover  such  a  withdrawal,  you  agree  that  we  may  treat  the 
amount of such withdrawal either as a Cash Advance or as 
an overdraft that you will be obligated to pay us on demand. 
ii.  Deposits.  You  may  deposit  up  to  $50,000  per  transaction 
using  a  First  Hawaiian  ATM.  All  deposits  made  with  your 
Card  and  placed  in  a  First  Hawaiian  ATM  are  subject  to 
receipt  by  us  on  opening  the  First  Hawaiian  ATM  and 
verification of the items and the amounts. 
iii.  Moving  Funds.  You  may  move  up 

to  $50,000  per 
transaction  between  your  checking  account  and  savings 
account or from your Credit Card account to your checking 
account using a First Hawaiian ATM. 

iv.  Payments.  You  may  pay  certain  utility  bills  and  make 
payments due to the Bank using a First Hawaiian ATM up to 
$50,000 per transaction. Funds from a check deposited in a 
First  Hawaiian  ATM  for  a  loan  payment  will  be  credited 
against the loan, but subject to collection of the funds. 
v.  Cash  a  Check.  At  certain  First  Hawaiian  ATMs,  you  may 
cash a check, up to a daily maximum limit of $1,000. When 
you  cash  a  check,  you  will 
in  $20 
denominations.  Any  excess  amount  will  be  deposited  to 
your  First  Hawaiian  deposit  account  accessible  by  the 
Credit Card used for the check cashing transaction. Checks 
cashed  must  conform  to  industry  standard  formats.  In 
addition,  your  ability  to  cash  a  check  is  also  limited  by 
account  relationship  criteria  that  we  do  not  disclose  for 
security  reasons.  See  the  paragraph  of  this  Agreement 
called  “Cashing  Checks  at  First  Hawaiian  ATMs”  for 
additional information on cashing checks at select ATMs. 

receive  cash 

d.  Fees  for  Using  Automated  Terminal  Services.  The  fees  for 
using  certain  automated  terminal  services  are  disclosed  in  the 
paragraph of this Agreement called “Other Fees.” 
e.  Card  and  Secret  Code  Use.  You  are  responsible  for  all 
transactions in which you use your Card in an automated terminal, or 
the use of the Card by anyone else who uses it with your permission. 
Security in use of the Card is provided by the secret code, which we 
will  provide  you,  and  the  magnetically  encoded  stripe  on  the  Card. 
Please keep the Card safe and also protect the secret code. Use the 
Card and the secret code as instructed at all times. Please notify us 
of any mechanical or operating failure in connection with the use of 
your  Card.  Do  not  permit  anyone  else  to  use  your Card and do not 
disclose your secret code or record it on the Card. The Card remains 
the  property  of  the  Bank  and  can  be  revoked  and  repossessed  at 
any time. You must return it to us when asked. 
f.  Time  of  Transaction.  All  transactions  are  subject  to  the  time 
necessary  for  us  to  process  them.  Any  transaction  made  on  a 
holiday  or  after  regular  banking  hours  may  be  held  by  us  until  the 
next  business  day.  Any  transaction  involving  an  account  or  matter 
located  at  any  other  office  of  the  Bank  is  subject  to  receipt  at  the 
other office and the time necessary to process it. 
g.  Documentation of Transfers. 

i.  Terminal  Transfers.  You  can  get  a  receipt  at the time you 
make any transfer at a First Hawaiian ATM, Network ATM, 
or POS terminal. 

ii.  Periodic  Statements.  If  you  have a checking account, you 
will get a monthly checking account statement. If you have 
arranged for electronic access to your savings account, you 
will  get  a  quarterly  savings  account  statement.  However,  if 
there are any transfers in a particular month, you will get a 
savings statement that month, as well. 

h. 
In  Case  of  Errors  or  Questions  About  Your  Electronic 
Transfers  Involving  Your  Checking  or  Savings  Account.  Call  or 
write  to  us  at  the  telephone  number  and  address  stated  in  the 
paragraph of this Agreement called “Where to Call or Write” as soon 
as  you  can  if  you  think  your  statement  or  receipt  is  wrong  or  if  you 
need  more  information  about  a  transfer  listed  on  the  statement  or 
receipt. We must hear from you no later than 60 days after we sent 
you  the  first  statement  on  which  the  problem  or  error  appeared. 
When reporting an error or requesting more information: 

i.  Tell us your name and account number. 

ii.  Describe the error or the transfer you are unsure about, and 

explain as clearly as you can why you believe it is an error or why 
you need more information. 

iii.  Tell us the dollar amount of the suspected error. 
If you tell us orally, we may require that you send us your complaint or 
question in writing within 10 business days. We will determine whether an 
error  occurred  within  10  business  days  after  we  hear  from  you  and  will 
correct any error promptly.  

We will tell you the results of our investigation within 10 business days 
after we hear from you and will correct any error promptly. If we need more 
time, however, we may take up to 45 days to investigate your complaint or 
question.  If  we  decide  to  do  this,  we  will  re-credit  your  account  within  10 
business days for the amount you think is in error, so that you will have the 
use of the money during the time it takes us to complete our investigation. 
If  we  ask  you  to  put  your  complaint  or  question  in  writing  and  we  do  not 
receive it within 10 business days, we may not re-credit your account. 

We will tell you the results within three business days after completing 
our investigation. If we determine that there was no error, we will send you 
a written explanation. You may ask for copies of documents that we used 
in our investigation. 
i.  Our  Liability  for  Failure  to  Make  Transfers.  If  we  do  not  properly 
complete  a  transfer  to  or  from  your  account  on  time  or  in  the  correct 
amount  according  to  our  agreement  with  you,  we  will  be  liable  for  your 
losses  or  damages.  However,  there  are  some  exceptions.  We  will  not  be 
liable, for instance: 

i. 

ii. 
iii. 

iv. 

v. 

vi. 

If, through no fault of ours, you do not have enough money in your 
account to make the transfer; 
If the transfer would go over the credit limit on your overdraft line; 
If the automated terminal where you are making the transfer does 
not have enough cash; 
If the automated terminal was not working properly and you knew 
about the breakdown when you started the transfer; 
If circumstances beyond our control (such as fire or flood) prevent 
the transfer, despite reasonable precautions we have taken; or 
If your account does not contain enough money because we have 
placed a hold on some items or the account is subject to legal 
process. 

vii.  There may be other exceptions. 

j.  Disclosing Account Information to Third Parties. We may disclose 
information to third parties about your account or the transfers you make: 

i.  Where it is necessary for completing transfers; 
ii. 

In order to verify the existence and condition of your account for a 
third party, such as a credit bureau or merchant; 
In order to comply with government agency or court orders; or 
If you give us your written permission. 

iii. 
iv. 

19.  Cashing  Checks  at  First  Hawaiian  ATMs.  All  checks  cashed  at  First 
Hawaiian  ATMs  are  subject  to  the  Deposit  Account  Rules  that  govern  your 
checking  or  savings  account.  A  copy  of  the  Deposit  Account  rules  was 
provided to you when you opened your account, and are updated from time to 
time.  You  can  obtain  another  copy  of  the  Deposit  Account  Rules  at  any 
branch.  If  a  check  you  cashed  is  returned  to  us  for  any  reason,  you  will  be 
required to reimburse First Hawaiian Bank for the cash received. 
20.  ATM Safety. It is important to be aware of your surroundings when using 
an ATM, especially at night. When you are using an ATM, you should secure 
any cash you withdraw before leaving the ATM. If you need to use an ATM at 
night, consider taking someone you know with you, and only use an ATM that 
is well-lit and unobstructed from view.  If anything appears to be suspicious, do 
not  use  the  ATM.  Always  call  911  in  the  event  of  an  emergency  or  to  report 
any  suspicious  activity.  If  you  have  any  questions  or  comments  about  the 
safety of any of our ATMs, please call us on Oahu at (808) 844-4444 or 1-888-
844-4444 from the neighbor islands, Guam, the CNMI or Continental U.S. 
21.  Lost  or  Stolen  Card;  Your  Liability  for  Unauthorized  Use.  Tell  us  at 
once if you believe your Card has been lost or stolen. Telephoning is the best 
way of keeping your possible losses down. 

a.  Unauthorized  Use  as  Credit  Card.  You  may  be  liable  for  the 
unauthorized  use  of  your  Card  as  a  credit  card.  You  will  not  be  liable  for 
unauthorized use of your Card as a credit card that occurs after you notify 
us  at  the  telephone  number  or  address  stated  in  the  paragraph  of  this 
Agreement called “Where to Call or Write,” orally or in writing, of loss, theft, 
or  possible  unauthorized  use.  In  any  case,  your  liability  for  unauthorized 
use of your Card as a credit card will not exceed $50. 
b.  Unauthorized Use in Automated Terminals. 

i. 

ii. 

iii. 

If you tell us within two business days, you can lose no more than 
$50 if someone used your Card at an automated terminal without 
your permission. 
If you do not tell us within two business days after you learn of the 
loss or theft of your Card and we can prove that if you had told us, 
we could have stopped someone from using your Card at an 
automated terminal without your permission, you could lose as 
much as $500. 
If you do not notify us at all, you could lose all the money in your 
checking and savings accounts plus your maximum overdraft line 
of credit. 

iv.  Also, if your statement shows transfers that you did not make, tell 
us at once. If you do not tell us within 60 days after the statement 
was mailed to you, you may not get back any money you lost after 
the 60 days if we can prove that we could have stopped someone 
from taking the money if you had told us in time. 
If a good reason (such as a long trip or a hospital stay) kept you 
from telling us, we will extend the time periods. 

v. 

22.  Where to Call or Write. If you believe your Card has been lost or stolen or 
that  someone  has  transferred  or  may  transfer  money  from  your  account  or 
otherwise use your Card or Credit Card account without your permission, call: 
(808)  847-4444  on  Oahu;  neighbor  islands,  Guam,  Commonwealth  of  the 
Northern  Mariana  Islands  (CNMI),  or  Continental  U.S  call  1-800-342-2778  or 
write to: First Hawaiian Bank, BankCard Security Department, P.O. Box 1959, 
Honolulu, Hawaii 96805. 
23.  Our  Business  Days.  Our  business  days  are  Monday  through  Friday, 
except for bank holidays. 

Private Banking Plat 

                                            Page 4 of 6 

                                 Rev. Date 10/12/12 

24.  Credit  Investigation  and  Disclosure.  You  authorize  us,  both  now 
and  in  the  future,  to  check  your  credit  and  employment  history  and  to 
release information about our credit experience with you in response to 
legitimate  credit  inquiries.  If  you  believe  that  we  have  incorrect 
information or have reported inaccurate information about you to a credit 
bureau, please call us at (808) 847-4444 (Oahu) or call toll-free at 1-800-
342-2778. 
25.  Security  Interest.  We  have  no  security  for  any  amounts  which 
become due under this Agreement unless you have given us a specific 
security interest in connection with the Agreement, which is described on 
the Security Agreement Supplement  to this Agreement. 
26.  Collection.  You  promise  to  pay  all  collection  costs,  including, 
without limitation, mailing and delivery charges, reasonable lawyers’ fees 
and court costs at trial and on appeal, all as permitted by law. 
27.  If There are More Than One of You. Each of you individually, or all 
of you together will be liable under this Agreement. We may collect from 
or sue any one of you, or make any settlements or extensions with any 
one  of  you,  without  giving  up  our  rights  against  the  other(s).  You 
understand  that  any  one  of  you  can  make  Purchases  or  get  Cash 
Advances under this Agreement which will be binding upon all of you. 
28.  No Waiver of Rights. If we choose to waive any of the terms or  
conditions  of  this  Agreement  on  a  case-by-case  basis,  such  as  by  not 
declaring  the  entire  balance  due  when  the  minimum  monthly  payment 
has  not  been  made  on  time,  it  does  not mean that we have waived, or 
given  up,  our  right  to  exercise  any  of  our  rights  or  remedies  under  this 
Agreement in the future. We are not required to use any particular kind 
of  demand  or  notice  in  order  to  collect  amounts  due  to  us  under  this 
Agreement.  No  indulgence  or  acceptance  by  us  of delinquent or partial 
payments  constitutes  a  waiver  of  our  rights  or  of  any  provision  of  this 
Agreement. No waiver of any existing default shall be deemed to waive 
any subsequent default.                                                                        

29.  Changing Terms. We can change, add to, delete or otherwise modify the 
terms of this Agreement at any time in any way permitted by law. We will send 
you advance notice of any change to this Agreement. If the change affects use 
of your Card in an automated terminal, we will give you advance notice of the 
change unless the change has to be made immediately for security reasons. A 
notice of change we send you will describe any right you have to opt out of a 
particular change, if any, and will describe whether a particular change affects 
your outstanding balance.  We do not have to send a notice of the change if it 
favors  you,  such  as  by  reducing  rates,  increasing  the  maximum  Credit  Limit, 
etc. 
30.  Canceling  this  Agreement.  We  have  the  right  to  cancel  this  Agreement 
at any time by sending a notice to any one of you in writing. You also have the 
same  right  to  cancel  this  Agreement  at  any  time  by  sending  us  a  notice  in 
writing.  If  this  Agreement  is  canceled  by  you  or  us,  your  obligation  to  repay 
amounts you already owe under this Agreement would continue, and you must 
return your Card to us. 
31.  Other  Agreements.  Use  of  your  Card  is  subject  to  the  terms  of  existing 
regulations governing deposit accounts and other agreements and disclosures 
for your checking, savings, and Credit Card accounts, and any future changes. 
32.  Governing Law. This Agreement will be governed by the laws of the State 
of Hawaii, and, as applicable, federal law, regardless of where the Purchases 
or Cash Advances are made, and you agree that any legal action that may be 
filed  by  you  elsewhere  will  be  transferred  to  an  appropriate  court  in  Hawaii  if 
we decide that we want it to be transferred.  
33.  Monitoring/Recording Telephone Calls. Our supervisory personnel may 
listen  to  and  record  your  telephone  calls  to  us  for  the  purpose  of  monitoring 
and improving the quality of service you receive. 

YOUR BILLING RIGHTS: Keep this Document for Future Use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find a Mistake on Your Statement 

If you think there is an error on your statement, write to us at: 

First Hawaiian Bank 
P.O. Box 1959 
Honolulu, Hawaii 96805 

In your letter, give us the following information: 

•  Account information:  Your name and account number. 
•  Dollar amount:  The dollar amount of the suspected error. 
•  Description of problem:  If you think there is an error on your bill, 
describe  what  you  believe  is  wrong  and  why  you  believe  it  is  a 
mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
• 
At least 3 business days before an automated payment is 
scheduled, if you want to stop payment on the amount you 
think is wrong. 

You must notify us of any potential errors in writing.  You may call us, 
but if you do we are not required to investigate any potential errors and 
you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter  

When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that 
we received your letter.  We will also tell you if we have 
already corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct 

the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error:  

•  We cannot try to collect the amount in question, or report you 

• 

as delinquent on that amount. 
The charge in question may remain on your statement, and we 
may continue to charge you interest on that amount. 

•  While you do not have to pay the amount in question, you are 

responsible for the remainder of your balance. 

•  We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

• 

If we made a mistake: You will not have to pay the amount in 
question or any interest or other fees related to that amount. 

• 

If we do not believe there was a mistake: You will have to pay the 
amount in question, along with applicable interest and fees.  We will 
send you a statement of the amount you owe and the date payment 
is due.  We may then report you as delinquent if you do not pay the 
amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write 
to us within 10 days telling us that you still refuse to pay.  If you do so, we 
cannot report you as delinquent without also reporting that you are questioning 
your bill.  We must tell you the name of anyone to whom we reported you as 
delinquent, and we must let those organizations know when the matter has 
been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of 
the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases  

If you are dissatisfied with the goods or services that you have purchased with 
your credit card and you have tried in good faith to correct the problem with the 
merchant, you may have the right not to pay the remaining amount due on the 
purchase. 

To use this right, all of the following must be true: 

1.  The purchase must have been made in your home state or within 
100 miles of your current mailing address, and the purchase price 
must have been more than $50.  (Note: Neither of these are 
necessary if your purchase was based on an advertisement we 
mailed to you, or if we own the company that sold you the goods or 
services.) 

2.  You must have used your credit card for the purchase.  Purchases 
made with cash advances from an ATM or with a check that 
accesses your credit card account do not qualify. 
3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at: 

First Hawaiian Bank  
P.O. Box 1959  
Honolulu, Hawaii 96805 

While we investigate, the same rules apply to the disputed amount as 
discussed above.  After we finish our investigation, we will tell you our 
decision.  At that point, if we think you owe an amount and you do not pay, we 
may report you as delinquent. 

Private Banking Plat 

                                            Page 5 of 6 

                                 Rev. Date 10/12/12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pricing Information Addendum 

Private Banking Platinum Heritage Credit Card Agreement 

(Personal Accounts)        

We are required by federal law to provide this summary of the pricing information contained in this Agreement.  
The information below is current as of 10/12/12 and is subject to change after that date.  To obtain updated 
information, please contact us at BankCard Center, P.O. Box 1959, Honolulu, Hawaii, 96805. 

Annual Percentage Rate (APR) for 
Purchases 

Interest Rates and Interest Charges 

11.24%  
The APR for Purchases may increase and will vary with the market based on the 
U.S. Prime Rate (“Index”).  See below for further information. 

APR for Balance Transfers 

11.24%   

The APR for Balance Transfers may increase and will vary with the market based 
on the U.S. Prime Rate (“Index”).  See below for further information. 

APR for Cash Advances 

18.00% Fixed 

Daily Periodic Rates 

Purchases: .0308% 
Cash Advances: .0493% 

Penalty APR and When it Applies 

How to Avoid Paying Interest  
(Grace Period) 

18.00% Fixed 
This APR may be applied to your account on the entire outstanding balance if 
your required Minimum Payment is not received within 60 days of the payment 
due date. 

How Long Will the Penalty APR Apply?: The Penalty APR will apply until you 
have made six consecutive Minimum Payments on or before the due date, 
starting with the first billing cycle after the Penalty APR is imposed. 

Your due date is at least 25 days after the close of each billing 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. 

Annual Fee 

Set-Up Fee 

Transaction Fees 

•   Foreign Transaction 

•   Balance Transfer  

•  Convenience Check 

•  ATM Cash Advance 

Fees 

$50 (we reserve the right to waive the fee so long as you remain a Private 
Banking customer) 

None 

2.5% of the U.S. Dollar amount of any Purchase or Cash Advance made in a 
foreign currency 

Either $5 or 3% of the amount of each transfer, whichever is greater (maximum 
fee $50) 

Either $5 or 3% of the amount of each check, whichever is greater (maximum fee 
$50) 

Either $3 or 3% of the amount of each Cash Advance, whichever is greater 
(maximum fee $50) 

•  Over-the-counter Cash Advance 

Either $5 or 3% of the amount of each Cash Advance, whichever is greater 
(maximum fee $50) 

Penalty Fees 

•  Late Payment 
•  Over Credit Limit 
•  Returned Payment 

Up to $35  
Up to $15  (if you opt-in) 
Up to $35 

Required Insurance, Debt 
Cancellation or Debt Suspension 
Coverage 

None  

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new Purchases).”  
See the paragraph of this Agreement titled “Computing Your Interest Charge” for more details. 

Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if you make a late payment. 

Variable  Rate  Information:    We  determine  the  variable  Annual  Percentage  Rate  (APR)  by  adding  a  Margin  to  the 
Index.  The Annual Percentage Rate for Purchases will vary on the first day of each of your billing cycles, which begin in 
March, June, September, and December.  The rate will be determined by adding 7.99 percentage points to the Index, 
which  is  the  highest  U.S.  Prime  Rate  published  in  the  “Money  Rates”  section  of  The  Wall  Street  Journal  on  the  last 
business  day  of  the  calendar  month  prior  to  the  month  in  which  the  Change  Date  occurs.  If  the  Index  is  no  longer 
available, we will choose a new Index based upon comparable information and will give you notice of our choice. The 
APR will not exceed the maximum rate permitted by law.  The effect of any increase in the APR would be to increase the 
amount  of  Finance  Charge  or  interest  you  must  pay  and  thus  increase  your  monthly  payments.    The  “Daily  Periodic 
Rate” is equal to the APR in effect for the billing cycle divided by 365.  Please refer to your credit card Agreement for 
further information about how the variable APR is calculated. 

Private Banking Plat (10/12/12)