international transactions. The conversion rate to dollars will 
be  at  (i)  the  range  of  rates  available  in  wholesale  currency 
markets  for  the  applicable  central  processing  date,  which 
rate  may  vary  from  the  rate  Visa  itself  receives,  or  (ii)  the 
government mandated rate, whichever is applicable, in effect 
for  the  applicable  central  processing  date,  in  each  instance, 
plus or minus any adjustments determined by the issuer. The 
conversion rate may be different from the rate on the day the 
transaction took place or the date the transaction posted.

20.  PROHIBITION AGAINST USING ACCOUNT FOR MARGIN STOCK.    You 
agree that you will not use  the Account  to  purchase  or  carry  margin 
stock (as defined in Federal Reserve Board regulations).

21.  ILLEGAL ACTIVITY.  You agree not to use your Card or Account, directly or 
indirectly: (1) in a manner that would constitute a crime under local, state 
or federal law, or in any illegal activity or transaction, including without 
limitation any “racketeering activity” as defined in 18 USC § 1961; or 
(2) for any gambling, gaming, betting, or similar activity or transaction. 
Such  transactions  include,  but  are  not  limited  to,  any  quasi-cash  or 
online  gambling  transaction,  any  electronic  commerce  transaction 
conducted over an open network, and any betting transaction including 
the  purchase  of  lottery  tickets  or  casino  gaming  chips/checks  or  off-
track betting or wagering. Display of a payment card logo by an online 
merchant  or  acceptance  of  a  Visa  Card  by  an  online  merchant  does 
not  necessarily  mean  that  the  transaction  is  legal  in  the  jurisdiction 
in  which  you  are  located.  In  the  event  that  a  charge  or  transaction 
described  in  this  paragraph  is  processed,  you  will  still  be  responsible 
for such charges.  Any  such  illegal  or  other  prohibited  use  constitutes 
an unauthorized use and can result in cancellation and termination of 
your Account.  You agree, should illegal use occur, to waive any right to 
sue us in connection with such illegal use and to indemnify and hold us 
harmless from any action or liability, including attorney’s fees and costs, 
directly or indirectly arising out of such illegal use.

22.  REWARDS PROGRAM.

(a)  Reward  Points.  If  you  are  enrolled  in  the  Rewards  Program 
for  your  Account,  Rewards  points  will  only  apply  to  net 
Purchases  (Purchases  minus  returns  and/or  credits).  Every 
dollar in qualifying Purchases, net of returns, charged to the 
Account earns one Participant Point (“Point”).  No points are 
earned  for  finance  charges,  fees,  Balance  Transfers,  Cash 
Advances,  Convenience  Checks,  Foreign  Transaction  fees, 
insurance charges or other items posted to the Account.

(b)  Loss  of  Accumulated  Reward  Points.  Accumulated  Rewards 
Points will be lost should any of the following occur: (i) we have 
reason to believe illegal activity has  occurred  or  is  occurring 
on your Account; (ii) your Account becomes 90 or more days 
delinquent;  or  (iii)  you  or  the  Joint  holder  of  this  Account 
causes HawaiiUSA to suffer a loss.  In addition, Points earned 
in calendar year one will expire as of the last day of calendar 
year five. (For example, points earned in 2010 will expire on 
December 31, 2014.)

(c) Rewards Redemption. For travel related redemption, call toll 
free  (800) 900.6160. For merchandise redemption, send your 
order form to: CURewards Awards HQ 2440 West 34th Street, 
Chicago,  IL  60608-5134.  The  website  to  view  the  available 
merchandise is:  www.curewards.com. Redemption is subject 
to availability.

(d)  Program  Rules.  A  complete  set  of  Program  Rules  may  be 
obtained at the CURewards website, through  the  HawaiiUSA 
website, http://hawaiiusafcu.com, or by contacting HawaiiUSA 
at (808) 534.4300, or toll free at (800) 379.1300.

(e) Termination. We reserve the right to terminate the Program 
at any time upon providing any notice required by applicable 
law. If terminated, we shall not be responsible or liable for any 
points you have earned and  did  not  use  prior  to  the  end  of 
the  Program. Also,  if  your Account  is  closed  for  any  reason, 
any unused accrued points will be forfeited.

23.    CREDIT  INFORMATION.    You  warrant  that  the  information  on 
any  credit  application  that  you  have  given  us  to  get  your  Account 
or  Card  is  correct.  We  may  retain  your  application.  You  agree  to 
notify us immediately if any information on your application becomes 
incorrect, including a change in your name, address, employment or 
financial  status. You  authorize  us  to  investigate  your credit  standing 
when opening, renewing, or reviewing your Account.  You authorize 
us  to  disclose  information  regarding  your  Account  and  our  credit 
experience  with  you  to  credit  bureaus  and  others  to  the  extent 
permitted  by  law.  You  understand  and  agree  that  we  may  make 
changes to the terms of your Account based on information in your 
credit history.  You understand that it is a violation of section 1014, 
title 18, US Code, to make false statements or over-value security for 
the purpose of influencing the action of any federally insured credit 
union, including HawaiiUSA.

24.  DEFAULT.  You will be in default if: (1) you do not pay at least the 
Minimum Payment Due or other required payment by the Payment 
Due  Date;  (2)  you  violate  any  of  the  terms  of  this  Agreement; 
(3)  your  creditworthiness  is  impaired;  (4)  you  make  any  false  or 
misleading  statements  in  any  credit  application,  credit  update  or 
other communication to us; or (5) you die, are declared incompetent 
or  mentally  incapacitated,  become  insolvent,  or  are  the  subject  of 
bankruptcy  or  receivership  proceedings.  You  agree  to  inform  us  if 
you  become aware of any event or condition  that may constitute a 
default as described in this paragraph.  We have the right to demand 
immediate  payment  of  the  entire  Account  Balance  if  you  default, 
subject to our giving you any notice required by law.  

25.    CLOSING  OR  SUSPENDING  YOUR  ACCOUNT;  ACCELERATION.    If 
you  default,  you  understand  and  agree  that  we  have  the  right  to 
temporarily  or  permanently  suspend  any  and  all Account  and  Card 
privileges,  and/or  we  may  demand  immediate  payment  of  the 
Account  Balance.  We  may  close  or  suspend  your  Account  at  any 
time,  without  notifying  you,  as  permitted  by  law.  We  are  not  liable 
to  you  for  any  transactions  that  are  denied  due  to  our  decision  to 
close,  suspend  or  terminate  your  Account.    You  agree  that  you  will 
not attempt to make a Purchase or obtain a Cash Advance after you 
have been notified that your privilege to use your Account has been 
terminated.  You may close your Account at any time by notifying us 
in  writing,  and  you  must  return  all  Cards  that  were  issued  for  your 
Account.  If we close or suspend your Account, or if you close your 
Account,  you  understand  and  agree  that  you  remain  obligated  to 
repay  the  entire  Account  Balance.  You  understand  and  agree  that 
interest charges at the APR as permitted under this Agreement will continue 
to accrue until you repay your entire Account Balance.

26.  COLLECTION COSTS.  To the extent permitted by law, you are liable to 
us for our legal costs if we refer collection of your Account to an attorney 
who is not our salaried employee.  These costs may include reasonable 
attorneys’ fees, as well as costs and expenses of any legal action.

27.  LIABILITY FOR UNAUTHORIZED USE.  If you notice the loss or theft 
of your Card, PIN or Account number, you should call us immediately 
at (800) 654.7728, or write to us at: Credit Card Security Department, 
P.O. Box 31112, Tampa, FL 33631-3112. Telephoning is the best way of 
keeping your possible losses down.

You will not be liable for any unauthorized use that occurs after you 
notify us. You may, however, be liable for unauthorized use that occurs 
before  your  notice  to  us.    In  any  case,  your  liability  will  not  exceed 
$50.  Subject to investigation, verification of your claim, and account 
standing  and  history,  you  will  have  no  liability  for  unauthorized 
Purchases made with your Card through Visa, unless you acted with 
gross  negligence  or  fraud,  or  delayed  in  reporting  unauthorized 
use.  You  agree  that  in  the  event  of  a  lost,  stolen,  not  received  or 
counterfeited  card  or  fraudulent  activity  on  your  Account,  you  and 
all  parties  given  access  to  the  Account  will  complete  an  affidavit  of 
forgery  in  a  form  approved  by  the  Credit  Union.    You  also  agree  to 
assist us in determining the facts, circumstances, and other pertinent 
information  related  to  any  loss,  theft  or  possible  unauthorized  use 
of your Card, PIN or Account number and to comply with such other 
procedures as we may require in connection with our investigation. 

You  are  responsible  for  the  safekeeping  of  your  Card,  PIN,  and 
Account number. 

28.  STATEMENTS.  Your Card or other Account activity will be reflected 
on  your  Statement.    We  will  send  you  a  Statement  for  each  Billing 
Period  in  which  Transaction  activity  has  occurred  on  your  Account. 
Your  Statement  will  identify  the  merchant,  electronic  terminal,  or 
financial  institution  at  which  transactions  were  made,  but  sales, 
Cash Advance, credit, or other receipts cannot be returned with the 
Statement.  You  agree  to  retain  copies  of  such  receipts  furnished  at 
the  time  of  the  transaction  in  order  to  reconcile  your  Statement.  If 
you request a copy of any sales raft or similar document, a Statement fee 
of $5.00 may be imposed by us. This fee will not be imposed, however, 
if it was requested in connection with a billing error.  Statements will be 
mailed or delivered electronically if you have agreed to receive notices 
from us in an electronic format.

29.  INACTIVE ACCOUNT:  If your Account does not have any activity 
for  twenty-four  (24)  consecutive  months,  it  will  be  considered  an 
inactive account and your ability to take advances against your Credit 
Limit may be suspended.  If your Account is inactive for twenty-four 
(24) consecutive months, we may close it.

30.    RETURNS  AND  ADJUSTMENTS.    If a merchant discloses a policy 
such as “no returns,” “no refunds,” “no return or credit without receipt,” 
“as is,” “store credit only” or “all sales final,” you will be bound by that 
policy  when  you  use  your  Card  to  buy  goods  or  services  from  that 
merchant.  A merchant refund to your Account will post to your Account 
as  a  credit.    We  do  not  control  when  a  merchant  sends  an  Account 
credit.  We will choose how to apply the credit to your existing Account 
Balance.  If a credit fails to post to your Account, you may request our 
help in having the credit applied to your Account by sending us a copy of 
the credit receipts until the credit is properly applied to your Account.  If 
your credits and payments exceed what you owe us, we will hold and 
apply this credit balance against future Transactions, or if it is $1.00 
or more, refund it on your written request or automatically after six 
(6) months.

31.    DISPUTES WITH MERCHANTS.    We are not responsible for the 
refusal of any merchant or financial institution to honor your Card. If 
you have a dispute with a merchant or financial institution, you must 
make a good faith attempt to resolve the dispute with the merchant 
or  financial  institution.  If  you  cannot  do  so,  you  must  send  written 
notice of the dispute to Customer Service, P.O. Box 31112, Tampa, FL 
33631-3112 and to the merchant or financial institution. We will then 
investigate  the  dispute  and  take  such  action  as  required  under  the 
Federal Truth in Lending Act.

32.    INVESTIGATIONS.    You  agree  to  cooperate  fully  with  the 
investigation  of  any  merchant  dispute  or unauthorized  transaction 
regarding  your  Account,  to  file  complete  and  truthful  reports 
with  criminal  law  enforcement  agencies,  and  to  give  complete 
and  truthful  testimony.  At  our  request,  you  agree  that  (1)  we  will 
be subrogated to, and you shall assign to us, all rights that you have 
against any merchant, financial institution, or unauthorized user, (2) 
you will do whatever is necessary to enable us to exercise our rights 
and will cooperate with us, and (3) you will not prejudice our rights. 
You further agree that we have the right to reverse any credits that 
we  apply,  and  that  you  will  indemnify  and  hold  us  harmless  with 
respect to any dispute, to the full extent permitted by law.

33.  CHANGE OF TERMS.  This Agreement is the contract that applies to 
all Transactions on your Account even though the sales, cash advance, 
credit, or other slips you sign or receive may contain different terms. 
Subject  to  applicable  law,  you  understand  and  agree  that  we  may 
amend,  modify,  add  to,  or  delete  from  this  Agreement  any  of  its 
terms and conditions, including financial terms, including  rates  and 
fees by providing notice as required by law. The new terms will apply 
to your existing Account Balance and all fees and charges accrued at 
the time of the change as well as to any future Transactions, to the 
extent permitted by applicable law. 

34.    VISA  ACCOUNT  UPDATER  (VAU).    VAU  is  an  account  updating 
service  in  which  your  Card  is  automatically  enrolled.    When  your 
Card expires, is lost or stolen and a new Card is issued, the service 
may update relevant Card data (Card numbers and expiration dates) 
to  appropriate  merchants  who  participate  in  an  effort  to  facilitate 
uninterrupted  processing  of  your  recurring  charges.    This  service 
provides updates to a Visa database only.  The database is accessed 
by those qualified merchants seeking your Account information after 
you have requested they process a recurring payment or payments.  
This service is provided as a free benefit to you.  If at any time you 
wish  to  opt-out  of  the  VAU  service  or  if  you  have  any  questions, 
please call (808) 534.4300 or (800) 379.1300- to do so.

35.  NOTICE

(a)  To  Us.   If  there  is  any  Notice  that  you  need  to  give  to  us,  call 
us  during  our  business  hours  at (808) 534.4300 on Oahu, or toll 
free at (800) 379.1300, or write to us at: HawaiiUSA Federal Credit 
Union, 1226 College Walk, Honolulu, HI  96817-3946.

If you email us, we may not immediately review it. We will not take action 
based on email requests until a Credit Union  employee  reads  the  email 
and has a reasonable opportunity to act.    Do not include any personal 
or  confidential  information  in  any  email  that  you  send  to  us,  whether 
through online banking or through a different email provider.

We  will  never  contact  you  by  email,  telephone,  mail  or  other  type  of 
correspondence  and  request  your  account  number,  PIN,  password, 
username, or other access code. If you are contacted by anyone asking 
for your account number, PIN, password, username or other access code, 
you should refuse and immediately contact us. You may be the target of 
identity theft.

(b)  To  You.    If  you  move,  you  must  give  written  notice  of  your 
new  address.  Whenever  we  are  required  to  give  you  notice  for 
something, we will mail it to you at the address we have for you in 
our records.  If you sign up for electronic statements, notice may 
be  provided  by  email.  If  there  is  more  than  one  person  on  the 
Account, notice to any one of you constitutes notice to all of you.

9

10

11

12

36.  APPLICABLE LAW; VENUE.  Your Account was approved and issued 
in the State of Hawaii, and all extensions of credit are being made from 
the  State  of  Hawaii.  You  agree  that  the  laws  of  the  State  of  Hawaii 
(without regard to conflict of laws provisions) apply to this Agreement, 
to the Account and to use of the Card, wherever that takes place.  Any 
action with respect to this Agreement, the Account or use of the Card 
may  be  brought  or  transferred  to  federal  or  state  courts  located  in 
Honolulu, Hawaii.

37.  RENEWALS.    If  you  move  out  of  the  State  of  Hawaii,  your Account 
may not be renewed. 

38.  NONTRANSFERABILITY.  You may not transfer or assign your Account 
or Card without our prior written consent, which we may withhold in our 
sole discretion. We may sell, transfer or assign this Agreement and your 
Account to a third party at any time without notifying you.

39.  SEVERABILITY AND FINAL EXPRESSION.  This Agreement is the final 
expression of the terms and conditions of your Account. This Agreement 
may not be contradicted by evidence of any alleged oral agreement.  If 
any provision in this Agreement is found to be invalid or unenforceable, all 
other provisions shall remain in full force and effect.

41.   BUSINESS DAYS.  Our Business Days and hours at our Main Branch are 
Monday to Friday, 9:00 am to 5:30 pm, and Saturday, 8:30 am to 2:30 pm.  
Holidays are not included.

42.  COPY RECEIVED.  You acknowledge receipt of a copy of this 
Agreement and agree to accept its terms.

43.    PINK  PLATINUM  CHARITABLE  BENEFITS:    This  section  applies  if 
you  have  a  Pink  Platinum  Credit  Card Account.    Use  of  the  HawaiiUSA 
VISA Pink Platinum Credit Card results in donations to charity.   We  will 
donate 0.10% (10 cents for every $100) of all net Purchases (less returns) 
made  with  the  Card  to  charity.    We  may  increase  this  amount  during 
promotional  periods.    We  will  donate  up  to  $20,000  of  net  Purchases 
annually.  We have designated the Making Strides Against Breast Cancer® 
program  of  the  American  Cancer  Society  as  the  current  charitable 
recipient.  We reserve the right to change the charitable recipient  or  to 
terminate  the  charitable  program  at  any  time.    No  change  will  affect 
donations previously made.

44.  VISA SHARE SECURED CREDIT CARD:  If you have signed a separate 
Share  Pledge  Agreement,  you  understand  and  agree  that  you  are 
pledging  funds  now  on  deposit  in  a  deposit  account  you  have  with  us.  
You  understand  that  you  must,  at  all  times,  keep  a  sum  equal  to  your 
credit  limit  on  deposit  in  the  designated  deposit  account  identified  on 
the Share Pledge Agreement until you repay your entire Account Balance 
and the Account is closed.  You understand and agree that this security 
interest  will  cover  future  Transactions  under  this  Agreement.    If  you 
default, we may apply the pledged funds to repay your Account Balance 
in  accordance  with  federal  or  other  law.    You  understand  that  the  APR 
applicable  to  your  Account  does  not  take  into  account  the  amount 
pledged in your designated deposit account.  

45.  ENFORCING THIS AGREEMENT.  We will not lose our rights under this 
Agreement because we delay in enforcing them or fail to enforce them. 

46.    MEMBERSHIP  REQUIREMENT.    You  understand  and  agree that  you 
must be and remain a member in good standing with us to be eligible for 
continuing Account and/or Card privileges, including future Transactions. 
You  understand  and  agree  that  we  may  suspend  or  close  the  Account 
13

and/or  Card  privileges  during  any  period  in  which  you  do  not  maintain 
your membership with us. 

After we finish our investigation, one of two things will happen:

47.  NOTICE. See the statement below for important information regarding 
your right to dispute billing errors.

YOUR BILLING RIGHTS:  KEEP THIS DOCUMENT FOR FUTURE USE

This  notice  contains  important  information  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 Customer 
Service, P.O. Box 31112, Tampa, FL 33631-3112

In your letter, give us the following information:

•  Account information: Your name and account number.

•  Dollar amount: The dollar amount of the suspected error.

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

•  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.

PLATINUM VISA CREDIT CARD  
AGREEMENT AND 
DISCLOSURE

When we receive your letter, we must do two things:

3. You must not yet have fully paid for the purchase.

1. Within 30 days of receiving your letter, we must tell you that 
we received your letter. We also will tell you if we have already 
corrected the error.

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with 
the  purchase,  contact  us in  writing  at Customer Service, P.O. Box 31112, 
Tampa, FL 33631-3112.

2. Within 90 days of receiving your letter, we must either correct 

the error or explain why we believe the bill was correct.

While we investigate whether or not there has been an error:

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.

•  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.

14

M-123297

40.  INTEGRATED DOCUMENTS.  Any separate sheet of paper identified 
as an “Addendum” or “Amendment” to this Agreement is an integrated 
part of the Agreement.

•  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.

HawaiiUSA Federal Credit Union
1226 College Walk, Honolulu HI 96817-3946

HawaiiUSA Federal Credit Union
1226 College Walk, Honolulu HI 96817-3946

using it for business purposes. If you need a credit card account for 
business  or  commercial  use,  please  contact  us  to  open  a  business 
credit card account.

Platinum Visa Credit Card Agreement and Disclosure
Part 1 of 2

Platinum Visa Credit Card Agreement and Disclosure
Part 2 of 2

 Interest Rates and Interest Charges

ANNUAL  
PERCENTAGE RATE 
(APR) for Purchases

APR for  
Balance Transfers

APR for  
Cash Advances

14.90%

14.90%

14.90%

Paying Interest

For Credit Card 
Tips from the 
Consumer Financial 
Protection Bureau

Your due date is at least 25 days after the 
close of each billing cycle. We will not charge 
you  interest  on  purchases  and  balance 
transfers if you pay your entire balance by 
the  due  date  each  month.  We  will  begin 
charging interest on cash advances on the 
transaction date

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.gov/learnmore.

 Fees

Annual Fee

None

Transaction Fees

Balance Transfers

Cash Advances

None

None

Foreign Transaction

1.00% of each transaction

Late Payment: 
Up to $35 or 5% of delinquent amount, whichever is less

Penalty Fees

Returned Payment: 
Up to $24

How We  Will Calculate Your Balance: We use  a  method  called  “average 
daily balance (including new transactions).”

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and 
how  to  exercise  those  rights  is  provided  at  the  end  of  this  Agreement,  
in Part 2 of 2

1

1.  GENERAL.  The words “you” and “your” in this Platinum Visa Credit 
Card Agreement  and  Disclosure  (“Agreement”)  refer  to  each  person 
who as Applicant or Joint Applicant has asked us to open a Consumer 
Platinum  Credit  Card Account  in  his  or  her  name.  “We,”  “us,”  “our” 
and “HawaiiUSA” refer to HawaiiUSA Federal Credit Union. The word 
“Statement”  means  the  periodic  billing statement for your Account, 
which we will send you each month. “Billing Period” means the period 
of time covered by the Statement.  

You  are  asking  that  we:  (1)  open  a  consumer  Platinum  credit  card 
account at HawaiiUSA in your name (your “Account”);  (2) issue  you 
one  or  more  VISA  credit  cards  (“Card”)  for  your  Account,  in  your 
name, or names, if a joint account; (3) allow you to purchase goods 
and  services  with  your  Card  (your  “Purchases”);  (4)  allow  you  to 
obtain cash advances  using  your  Account  (your  “Cash  Advances”); 
and  (5)  allow  you  to  make  balance  transfers  using your  Account 
(your  “Balance  Transfers”).    You  authorize  us  to  pay  and  charge 
your Account  for  all  transactions (including Purchases, Convenience 
Checks,  Cash  Advances  and  Balance  Transfers)  made  or  obtained 
by  you  or  anyone  you  authorize  to  use  your  Card  or  Account 
(collectively, “Transactions”).

You  will  be  obligated  to  pay  all  such  Transactions  charged  to  your 
Account whether resulting from: (1) actual use of your Card; (2) mail 
order or telephone, computer, or other electronic transactions 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. “Account Balance” means all authorized charges, plus 
any  finance  charges  assessed  on  your  Account,  plus  any  other  fees 
and charges which you owe to us under the terms of this Agreement. 

In  return,  by  accepting,  signing  or  using  your Card after  receiving  a 
copy of this Agreement, you agree to be liable for all Transactions and 
charges  to  your Account;  you  agree  to  the  terms  of  this Agreement 
and  any  amendments  to  this  Agreement;  and  you  agree  that  it  will 
be binding upon you even if your Account is canceled or terminated.

2.    MILITARY  LENDING  ACT  DISCLOSURES.    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 dependents 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). 

3.    CONSUMER  ACCOUNT.    You  agree  that  your  Account  is  for 
consumer  use  only,  and  is  established  and  to  be  used  primarily  for 
personal,  household,  or  family  purposes.  We  do  not  have  a  duty 
to  monitor  your  Account  for  business  use.  If  you  use  your  Account 
for  business  purposes,  you  agree  that  the  consumer  protection 
provisions  of  this  Agreement  do  not  apply  except  to  the  extent 
required by law. We may close your Account if we learn that you are 
2

4.    ACCOUNT  USE.    Your  Account  use  is  subject  to  this  Agreement.  
All  Transactions  are  subject  to  our  approval.    You  may  use  your 
Card to purchase goods and services in person, online, and by mail 
or  telephone  from  merchants  and  others  who  accept  Visa  credit 
cards.  In addition, you may obtain Cash Advances from HawaiiUSA, 
from  other  financial  institutions  or  select  merchants  participating 
in  the  Visa  program  and  from  automated  teller  machines  (ATMs) 
that provide access to the Visa system.  Not all merchants or ATMs 
provide such access.  You will need to use your Personal Identification 
Number (PIN) to obtain a Cash Advance from an ATM.  A PIN may be 
obtained by calling (888) 886.0083.

If  you  use  an ATM  not  owned  by  us,  you  may  be  charged  a  fee  by 
the ATM operator or any ATM network used to complete the transfer 
(and you may be charged a fee for a balance inquiry even if you do 
not complete a funds transfer).  The fee will be debited from your 
Account if you elect to complete the transaction or continue with the 
balance inquiry. 

You  may  also  use  your  Account  to  transfer  balances  from  other 
creditors, provided that we approve your request. To make a Balance 
Transfer, contact any HawaiiUSA branch or obtain a Balance Transfer 
authorization form from our website, http://hawaiiusafcu.com.

If  you  have  or  are  later  provided  with  a  PIN,  you  must  not  give  or 
disclose  your  PIN  to  others.  If  you  do  so,  all  transactions  by  such 
persons  will  be  deemed  authorized  by  you.      (See  section  below 
entitled RESPONSIBILITY.)

5.  CREDIT LIMIT:  We assign a Credit Limit to your Account.  Part of 
this Credit Limit may be available for Cash Advances.  Your Credit Limit 
will initially be disclosed in Your welcome letter and will be reflected 
on  each  periodic  statement.   You  agree  to  manage  your  Account  so 
that  your  Account  Balance  (including  fees  and  charges)  is  not  more 
than  your  Credit  Limit.   However,  if  your  Account  Balance  exceeds 
your Credit Limit, you are still obligated to pay us.  We may increase 
or decrease your Credit Limit at any time and we may notify you of 
such  increase  or  decrease  by  mail  or  through  a  statement  sent  to 
the  primary  accountholder’s  address  of  record,  in  accordance  with 
applicable  legal  requirements.   If  you  object  to  any  Credit  Limit 
increase, you must notify us immediately.  You or any co-borrower on 
the Account may request a change to the Credit Limit orally, in writing, 
or electronically, but any such request must be approved by us.  If your 
Credit Limit is increased, you are immediately responsible for the new 
Credit  Limit  and  any  increase  in  the  Account  Balance  even  when  it 
differs from an amount previously agreed to orally or in writing.

6.  ACCOUNT OPENING DISCLOSURE.  Please refer to the Platinum VISA 
Credit Card Agreement and Disclosure, Part 1 of 2, distributed with 
this Agreement, which contains rate, fee, and other cost information.

7.ANNUAL MEMBERSHIP FEE.  None.

8.  OTHER FEES. You also agree to pay us:

•    a  1%  foreign  transaction  fee  (see  section  entitled  FOREIGN 
TRANSACTION  FEE  AND  CURRENCY  CONVERSION  RATE  for 
more  information  about  our  Foreign  Transaction  Fee  and 
currency conversion rate);

•    a  $15.00  Replacement  Card  Fee  for  each  Card that  we issue 

to  you  as  replacement  for  a  lost,  stolen  or  damaged  Card, 
payable at the time your replacement Card is ordered for you;

•  a Returned Payment Fee of up to $24.00 each time a check 
you use to make a payment is returned unpaid (however, the 
Returned  Payment  Fee  will  not  exceed  the  amount  of  the 
minimum payment due);

•  a $5 fee each time you request a copy of your billing Statement;

•  a  $20  fee  per  hour  or  fraction  thereof  for  any  research  

requested; 

A Late Payment Fee of up to $35 or 5% of the delinquent amount, 
whichever is less, with respect to any Billing Period if the Minimum 
Payment Due is not paid within ten (10) days after the Payment Due 
Date.  However, the Late Payment Fee will not exceed the amount 
of  the  Minimum  Payment  Due.  For  the  first  violation  in  any  seven 
consecutive monthly Billing Periods, the Late Payment Fee will not 
exceed $25.  You will only have to pay the Late Payment Fee once on 
the same late payment.  

You authorize us to charge your Account for the fees due to us.  You 
understand and agree that we have the right, in our sole and absolute 
discretion, to change the amount of fees that apply to your Account, 
in accordance with applicable law.

9.  VISA NON-VARIABLE RATE PROGRAM.  We use annual percentage 
rates (APRs) to calculate interest charges on your Account. Our Visa 
program is a non-variable rate program, which means that your APR 
does  not  increase  or  decrease  except  as  otherwise  provided  for  in 
this Agreement.

Details about your 
interest rates and 
interest calculations

Purchases
Balance Transfers
Cash Advances

Periodic Rate

Corresponding 
Annual Percentage 
Rate (APR)

1.2417% (M) 14.90%

(M)  =  Monthly  Periodic  Rate.    A  monthly  periodic  rate  is  the  APR 
divided by 12.

10.  INTEREST CALCULATION  

 Interest charges will be imposed on Transactions only if you elect not 
to  pay  the  entire  Account  Balance  shown  on  your  Statement  by  the 
Payment Due Date.  If you elect not to pay the entire Account Balance 
shown on your Statement by the Payment Due Date, interest charges 
will be imposed on the unpaid Average Daily Balance of Transactions 
from the previous Statement closing date and on the new Transactions 
from  the  date  of  posting  to  your  Account  during  the  current  Billing 
Period, and will continue to accrue until the closing date of the Billing 
Period preceding the date on which the entire Account Balance is paid 
in full.

We calculate interest on your Account each Billing Period by applying 
the  Monthly  Periodic  Rate  to  the  Average  Daily  Balance  (including 
new Transactions).  The following explains how we do this. To get the 
Average Daily Balance:

•  We start with the beginning balance of your account each day.

•  We add any new Transactions, fees and other charges.

(b)  Time  and  Place  for  Payment.  All  VISA  payments  are  to  be 

•  We subtract any credits or payments credited as of that day 

and any unpaid interest or other finance charges.

This gives us the daily balance.  Then, we add up all the daily balances 
for the Billing Period and divide the total by the number of days in the 
Billing Period.  This gives us the average daily balance.  

From  time  to  time and at our discretion,  we  may  offer  introductory 
or  promotional  APRs  for  all  or  any  part  of  your  Account  Balance, 
Balance Transfers or future transactions.  The period of time for which 
the  introductory  or  promotional  APR  applies  may  be  limited.    Any 
applicable promotional APR, the corresponding periodic rates, and the 
period of time during which they are in effect will appear on the offer.  
Any introductory or promotional rate offer will be subject to the terms 
of the offer and this Agreement. Any introductory or promotional APR 
that we may offer will be separately identified on your Statement as 
well  as  the  balances  to  which  these APRs  apply.  Upon  expiration  of 
the introductory or promotional APR, the APR will be adjusted to the 
standard APR and will apply to all outstanding balances. 

11.  GRACE  PERIOD.

You  will  not  pay  any  interest  on  Purchases  if  you  pay  the  Account 
Balance, including any Balance Transfers, in full by the Payment Due 
Date  shown  on  your  Statement  each  Billing  Period.    We  call  this  a 
grace  period  on  Purchases.    Generally  you  will  have  a  25-day  grace 
period  from  the  close  of  each  Billing  Period  to  pay  the  Account 
Balance  without  incurring  additional  interest.  The  Payment  Due 
Date  disclosed  on  each  Statement  provided  to  you  is  the  last  day 
of your grace period for that Statement’s billing cycle. If you do not 
pay the Account Balance, including  any Balance Transfers, in full by 
the  Payment  Due  Date  in  a  Billing  Period,  you  will  pay  interest  on 
your Purchases from the date they are posted to your Account.  You 
also  will  not  have  a  grace  period  on  Purchases  again  until  you  pay 
the Account Balance in full by the Payment Due Date two (2) Billing 
Periods in a row.  

There is no grace period on Cash Advances.  This means you will pay 
interest on Cash Advances from the date these transactions post to 
your Account. 

12.  PAYMENTS.

(a) Minimum Payment.  Every month, you must pay at least the 
Minimum Payment Due by the Payment Due Date shown on 
your Statement. The Minimum Payment Due will be either 
(1)  3.5%  of  your  Account  Balance  or  $15.00,  whichever  is 
greater; or (2) your Account Balance if it is less than $15.00.  
In  addition,  you  must  pay  any  amount  past  due,  any  late 
charge and any amount over the Credit Limit. 

Though you need only pay the Minimum Payment Due, you 
have  the  right  to  repay  your  Account  Balance  at  any  time 
without penalty.

You must also pay on our demand the amount by which the 
Account  Balance  exceeds  the  credit  limit  that  we  set  for 
your Account.

mailed to: 

VISA
P.O. BOX 79265
City of Industry, CA 91716-9265

Payments  may  also  be  made  at  any  of  our  HawaiiUSA 
branches.  You must also follow the instructions below when 
making a payment.  If you do, we will credit the payment to 
your Account as of the day we receive it.

•  We must receive your payment on or before the Payment Due 
Date in order for your Account to be credited by the Payment 
Due Date.

•  You must pay in U.S. Dollars.

•  You must use a check or electronic debit issued by a financial 

institution in the U.S. (do not mail cash).

•  You  must  not  send  us  a  check  dated  after  the  date  that  we 

receive it.

•  You must not enclose more than one check per envelope.

•  You  must  not  include  any  restrictive  endorsements  on  the 

check.

•  You must follow any additional payment instructions shown on 

your Statement. 

(c) How  Your  Payments  Will  Be  Applied.      Minimum  Payments 
will be applied to your Account in the manner chosen by us 
subject  to  applicable  law.  Any  payment  amounts  above  the 
Minimum Payment Due will be applied to balances subject to 
higher  APRs  and  then  to  balances  subject  to  lower  APRs,  in 
descending order of APRs until all balances subject to an APR 
are paid in full. 

(d) Payments  Marked  “Paid  In  Full.”  We  may  accept  checks, 
money orders, or other types of payment marked “payment 
in  full”  or  using  other  language  to  indicate  full  satisfaction 
of  any  indebtedness  without  being  bound  by  such  language 
or  waiving  any  rights  under  this  Agreement.  Full  satisfaction 
of  indebtedness  shall  be  accepted  by  us  only  in  a  written 
agreement, signed by an authorized representative.

13.  PAYMENTS BY AUTOMATIC TRANSFER:  By separate agreement, 
you may authorize us to automatically transfer the Minimum Payment 
Due  from  your  Credit  Union  savings  or  checking  account.   If  you 
request payment by automatic transfer, you understand and agree that 
no payment will be made if there are insufficient or uncollected funds 
in the designated savings or checking account to make the scheduled 
payment.   Should  this  event  occur,  you  understand  and  agree  that 
you  will  not  be  released  from  making  the  payment.   Any  automatic 
transfer you have requested will remain in effect until you cancel it 
in writing or the Account Balance is paid in full.  To stop a payment 
by automatic transfer, you may send us a letter requesting that the 
payment  be  stopped.   Your  letter  must  be  received  by  HawaiiUSA 
Federal  Credit  Union,  Attention:  Card  Services  Department,  1226 
College  Walk,  Honolulu,  HI  96817,  at  least  three  (3)  business  days 
before the automatic payment is scheduled to occur.  We may cancel 
this service at our discretion.

14.    RECURRING  PAYMENTS:     The  use  of  your  Account  to  make 
preauthorized  electronic  recurring  bill  payments  constitutes  an 
“electronic fund transfer” as defined by the federal Electronic Fund 
Transfer  Act  and  Regulation  E.   You  may  be  able  to  place  a  stop 
payment  on  a  preauthorized  electronic  recurring  bill  payment  in 
accordance  with  the  terms  of  our  Authorization  Agreement  for 
Preauthorized  Payments.   Any  such  stop  payment  order  is  subject 
to  a  Stop  Payment  Fee  of  $10.00  for  each  stop  payment  order  you 
give.  A stop payment/revocation order does not release you from the 
obligation to pay for goods and services purchased from merchants.

15.  RESPONSIBILITY.  You  agree  to  repay  us  according  to  the  terms 
of  this Agreement for all Transactions, finance charges, late charges, 
and  other  fees  arising  from  the  use  of  the  Account  by  you  or  any 
other  person  you  permit  to  use  the  Account,  even  if  that  person 
exceeds your permission. You must not give anyone else possession 
of  your  Card, PIN,  or  other  authority  to  make  transactions  on  your 
Account. You cannot disclaim responsibility by notifying us, although 
we will  close  the Account  if  you  so  request  and  you  will  return  all 
Cards  to  us.  Your  obligation  to  pay  the  Account  Balance  continues 
even though an agreement, divorce decree, or other court judgment 
to which we are not a party may direct you or one of the other persons 
responsible to pay the Account. 

16.    JOINT  ACCOUNTS.    If  this  is  a  joint  Account,  each  of  you  will 
be  individually  and  jointly  responsible  for  paying  all  amounts  owed 
under  this  Agreement.    This  means  that  we  can  require  any  one  of 
you individually to repay the Account Balance.  Each of you authorizes 
the other to make Transactions individually.  Any one of you may close 
the Account and such closure will be effective as to all of you.  You 
agree that all notices regarding the Account may be sent solely to the 
cardholder whose name and address appears on our billing records.  
If  this  is  a  joint  account,  neither  party  can  be  released  from  his  or 
her obligations except upon HawaiiUSA’s approval. Cards remain our 
property and you must recover and surrender to us all Cards upon our 
request and upon termination of this Account.

17.  ACCOUNT USE BY AUTHORIZED USERS:  You may request to add 
one or more Authorized Users to your Account.  If we approve your 
request, use of your Account by an Authorized User is subject to the 
terms of this Agreement.  You must:

·	 Obtain  permission  from  each  Authorized  User  before  naming 

him or her as an Authorized User on your Account.

·	 Make a copy of this Agreement available to each Authorized 

User.

·	 Pay us for all charges incurred by each Authorized User.

·	 Notify us to remove an Authorized User from your Account.  If 
we remove an Authorized User, we may close your Account, 
open a new Account, and issue you a new Card.

We  may  limit  the  number  of  Authorized  Users  on  your 
Account. 

You are responsible for:

·	 Any  Transactions  made  by  an  Authorized  User  on  your 

Account.

·	 Any Transaction made by an Authorized User even if the post-
date  shown  on  your  periodic  statement  for  that  Transaction 

occurs  after  the  date  you  ask  us  to  remove  the  Authorized 
User from your Account.

·	 Any Transactions made by others if an Authorized User allows 

them to use your Account.

·	 Fees and charges resulting from any Transactions made by an 
Authorized User or others if an Authorized User allows them 
to use your Account.

INFORMATION  ABOUT  AUTHORIZED  USERS:   You  agree  to 
give  us  certain  personal  information  about  each  Authorized 
User.  You must let each one know that you will give us that 
information  and  you  must  have  his  or  her  permission  to  do 
so.  You must have permission from each one to allow us to 
share information about him or her as permitted by applicable 
law.  This includes information we may obtain from you, any 
Authorized  User  and  others.   It  also  includes  information 
about their Transactions on the Account.

CREDIT  REPORTING:   We  report 
information  about  this 
Account  to  Consumer  Reporting  Agencies  in  the  Authorized 
User’s  name  that  may  appear  on  their  credit  report.   This 
could include information about:

•  Late Payments;

•  Returned Payments;

•  Over-the-credit-limit amounts; and 

•  Other violations of this Agreement. 

You understand and agree that you must let each Authorized User 
know that we report Account information in his or her name. 

18.  INTERNET  (ONLINE)  TRANSACTIONS.  We  subscribe  to  Verified 
by  Visa (VbV).  VbV  is  an  enhancement that improves the security 
of  Purchases  made  via  the  Internet  by  enabling  us  to  verify  your 
Account  ownership  during  online  purchases  by  using  a  password. 
VbV  only  relates  to  Internet  Purchases  from  merchants  that  also 
participate  in  VbV.    If  you  make  Purchases  through  the  Internet, 
you  may  register  your  Card  at  www.visa.com,  where  you  will  be 
asked  to  enter  account  information  and  personal  data  for  identity 
confirmation. You  will  be  able  to  shop  at  participating  VbV  Internet 
merchants  with  no  changes  to  the  shopping  or  checkout  process. 
Should you shop at a VbV participating Internet merchant and have 
not yet registered your Card, you may be required to register with VbV 
before completing the transaction.

19.  FOREIGN TRANSACTION FEE AND CURRENCY CONVERSION RATE.

(a) Foreign Transaction Fee.   A fee of 1% of the amount of the 
transaction, calculated in U.S. dollars, will be imposed on all 
foreign transactions, regardless of whether the transaction 
involves  a  currency  conversion,  including  Purchases,  Cash 
Advances and credits to your Account. A foreign transaction 
is  any  transaction  that  you  complete  or  a  merchant 
completes on your Card outside of the United States, with 
the  exception  of  U.S.  military  bases,  U.S.  territories,  U.S. 
embassies, or U.S. consultants.

(b) Currency Conversion Rate.  Transactions will be billed to your 
Account in U.S. dollars. The conversion to U.S. dollars will be 
made  in  accordance  with  the  Visa  operating  regulations  for 

3

4

5

6

7

8