UNITED MILEAGEPLUS® CREDIT CARD DISCLOSURES
(Personal, Personal World Elite and Private Banking World Elite Accounts)

This disclosure was printed on 09/01/2017. The information for this card is accurate as of that date and is subject to change
after that date. For any changes since the print date, contact us at BankCard Center, P.O. Box 1959, Honolulu, HI, 96805.

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

17.24% for Personal and Personal World Elite Accounts
12.24% for Private Banking World Elite Accounts

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.

These APRs will vary with the market based on the U.S. Prime Rate.

After that, the APR will be 17.24% for Personal and Personal World Elite accounts and 12.24%
for Private Banking World Elite accounts. These APRs will vary with the market based on the
U.S. Prime Rate.

APR for Cash Advances

18.00% Fixed

Penalty APR and When it
Applies

18.00% Fixed

This APR will apply to your account if you make a late payment.

How Long Will the Penalty APR Apply?: The Penalty APR will apply until you have made
six consecutive Minimum Payments when due.

How to Avoid Paying
Interest on Purchases

Your due date is at least 25 days after the close of each billling cycle. We will not charge you
interest on Purchases if you pay your entire New Balance by the Payment Due Date each
month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from
the Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the
website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

Transaction Fees

 Foreign Transaction

$60

3% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency

 Balance Transfer

Either $5 or 3% of the amount of each transfer, whichever is greater

 Convenience Check
 ATM Cash Advance

 Over-the-counter
Cash Advance

Penalty Fees

 Late Payment
 Returned Payment

Either $5 or 3% of the amount of each check, whichever is greater

Either $5 or 5% of the amount of each Cash Advance, whichever is greater

Either $5 or 5% of the amount of each Cash Advance, whichever is greater

Up to $38

Up to $38

How We Will Calculate Your Balance: We will use a method called “Average Daily Balance (including new Purchases).”

Loss of Introductory Balance Transfer APR: We may end your introductory Balance Transfer APR and apply the Penalty
APR if you make a late payment.

Unless otherwise defined herein, all capitalized terms shall have the meaning set forth in the applicable United MileagePlus
Credit Card Agreement.

TERMS AND CONDITIONS
®
Important Information about the United MileagePlus

Credit Card Program

®

United MileagePlus
cardholders (“Cardholders”) will receive one (1) United MileagePlus Mile (“Mile”) for every $1 of Purchases made
using their United MileagePlus Credit Card and earn one (1) additional Mile for each $1 for tickets purchased directly from United. Cash
advances, cash equivalents (such as purchase of traveler’s checks or cashier’s checks) and other account fees do not earn Miles. Any
credit on a Cardholder’s United MileagePlus Credit Card account because of a return of goods or for any other reason will result in a
corresponding deduction of Miles from the Cardholder’s United MileagePlus Program account maintained by United. Miles only will be
awarded to the United MileagePlus Program account of a Primary Cardholder whose United MileagePlus Credit Card account is open and
not delinquent on the statement billing date. Miles earned will be reflected on the Primary Cardholder’s monthly credit card statement. Co-
applicants will not be automatically enrolled in the United MileagePlus Program as a result of this application. Miles awarded through the
use of the co-applicant’s United MileagePlus Credit Card only will be credited to the Primary Cardholder’s United MileagePlus Program
account. Miles cannot be assigned or transferred in any way unless authorized by United.

Miles accrued, awards and benefits issued are subject to change and are subject to the rules of the United MileagePlus Program, including
without limitation the Premier® program (the “MileagePlus Program”), which are expressly incorporated herein. Please allow 6 to 8 weeks
after completed qualifying activity for Miles to be posted to your account. United may change the United MileagePlus Program including,
but not limited to, rules, regulations, travel awards and special offers or terminate the United MileagePlus Program at any time and without
notice. United, its subsidiaries, affiliates and agents are not responsible for any products and services of other participating companies or
partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles
earned through non-flight activity do not count toward qualification for Premier status unless expressly sated otherwise. The accumulation
of mileage or Premier status or any other status does not entitle members to any vested rights with respect to the MileagePlus Program.
MileagePlus Program participation may not be permitted in some countries. All calculations made in connection with the MileagePlus
Program, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for
Premier status, will be made by United Airlines and MileagePlus in their discretion and such calculations will be considered final.
Information in this communication that relates to the MileagePlus Program does not purport to be complete or comprehensive and may not
include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on
the united.com website and the MileagePlus Program rules. United and MileagePlus are registered service mark. For complete details
about the MileagePlus Program, go to www.united.com.

Your Miles will not expire as long as there is activity on your credit card account, including paying your annual membership fee, and the
credit card account is open and not in default. Upon cancellation of your credit card account your Miles will expire according to the
MileagePlus Program rules.

First Hawaiian Bank reserves the right to add or delete benefits and services at any time without prior notice. See the United MileagePlus
Credit Card Agreement for details.