UNITED® CREDIT CARD AGREEMENT  

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

16.24%  
     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 16.24%.  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 account if you make a late payment. 

Paying Interest 

      How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six   
      consecutive Minimum Payments when due. 

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. 

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 

•  Balance Transfer  

•  Cash Advance 

$99 

None 

Either $5 or 5% of the amount of each Balance Transfer, whichever is greater 

Either $10 or 5% of the amount of each Cash Advance, whichever is greater  

Penalty Fees 
•  Late Payment 

•  Returned Payment 

Up to $40  
Up to $40 

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 Balance Transfer APR:  We may end your introductory Balance Transfer 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. 

United Credit Card Agreement                                                                  Page 1 of 6                                                       

Rev. 06/01/20 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
This United® Credit Card Agreement (“Agreement”) covers your United  
Credit  Card  account  (the  “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  United  Credit  Card  (  your  “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”  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 Revolve Line. 

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 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.    Special  United  Credit  Card  Program  Provisions.  The  United 
MileagePlus  Program  is  a  loyalty  program  associated  with  your  Card.  In 
addition  to  the  terms  and  conditions  of  this  Agreement,  the  terms  and 
conditions  of  the  Guide  to  Selected  Benefits  and  United  Credit  Card 
Program Agreement provided to you with this Agrement shall also apply to 
your Card.   
 Revolve Line. We will notify you of your Revolve Line for each Credit 
3. 
Card account you have with us, which is the total amount of credit we agree 
to  extend  to  you  at  any  one  time.    Your  Revolve  Line  will  also  include  a 
separate  limit  for  Cash  Advances.    Your  Revolve  Line  and  Cash  Advance 
limit are listed on your monthly periodic statement.  Your available  Revolve 
Line  is  the  amount  of  your  total  Revolve  Line  minus  the  sum  of your New 
Balance,  any  authorized  Purchases,  Cash  Advances  and  Balance 
Transfers  that  have  not  posted  to  your  Account,  and  any  payments  that 
have not cleared.  You may apply to increase your Credit Revolve Line, and 
we reserve the right to lower it without prior notice to you.  

You agree that you will not let 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, 
and  other  fees  that  may  be due, exceed your Revolve Line. If you exceed 
your  Revolve  Line,  you  will be considered to have exceeded your Revolve 
Line  for  all  purposes  of  the  Agreement,  and  we  may  reduce  the  available 
Credit Limit/Revolve Line of any other Credit Card account you have with us 
until such time as the excess amount is paid. 

You  are  responsible  for  keeping  track  of  your  New  Balance  and  your 
available  Revolve  Line.    We  may  but  are  not  required  to  approve 
transactions  above  your  Revolve  Line  up  to  a  certain  percentage  of  your 
Revolve  Line  which  we  establish  from  time  to  time  for  you  based  on  our 
established evaluation criteria.  If we do approve those transactions, those 
transactions  will  not  increase  your  Revolve  Line.    You  are  responsible  for 
repaying all over-limit amounts and FINANCE CHARGES will be assessed 
on those amounts. 

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.  

stated Revolve Line.  However, having a no pre-set spending limit does not 
mean unlimited spending.  Instead, each charge is evaluated based on the 
spending and payment patterns on the account, merchant type, information 
from  consumer  credit  reports  obtained  from  credit  bureaus  including  your 
experience  with  other  creditors,  and  our  understanding  of  your  resources.  
Without limiting the foregoing, we may also decline an authorization request 
for  any  transaction  at  any  time  as  described  in  the  paragraph  of  this 
Agreement  called  "Authorizing  Transactions."  We  may  also  request 
additional  information  from  you  at  any  time  to  evaluate  a  transaction 
request  or  your  use  of  the  account  in  general.    In  addition,  all  of  the 
provisions  above  in  this  section  apply.    Your  World  Elite  Mastercard 
account  may  provide  additional  benefits  and  features  and  may  have 
additional charges that will be described in separate documentation for the 
World  Elite  Mastercard  program,  all  of  which  is  incorporated  by  this 
reference.  You authorize us to enroll you in benefits and programs that we 
may offer from time to time associated with your account, including without 
limitation  benefits  and  programs  that  we  offer  exclusively  to  holders  of 
World  Elite  Mastercard  accounts.    Accessing  some  of  the  benefits  and 
services under the World Elite Mastercard program may involve charges to 
your account.   
4.  Temporary Reduction of Revolve Line. 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  Revolve  Line  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  approval  may 
result  in  a  temporary  reduction  of  your  available  Revolve  Line,  but will not 
increase the amount you owe us under this Agreement. 
5.  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,  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 
Revolve  Line  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 Revolve Line. 
6.  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  “Minimum 
Payment  Due.”    The  periodic  statement  is  part  of  this  Agreement.  If  you 
choose to receive periodic statements electronically, the statements will be 
deemed  to  have  been  sent  to  you  when  they  are  first  made  available  for 
you to view online. 
7.  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  Revolve  Line;  however,  in  the  event  of  payment  by  personal  or 
business  check,  we  may  delay  replenishing  your  available  Revolve  Line 
until your check clears.  This means that you may not have access to all or 
part  of  the  Revolve  Line  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 Revolve Line. 

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  day  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. 
8. 
 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 

Rev. 06/01/20 

World  Elite  Mastercard  Revolve  Line.      Amounts  over  your  Revolve 
Line  may  be  referred  to  as  a  non-revolving  line.    The  Revolve  Line  is  the 
maximum  amount  upon  which  you  may  defer  payment  on  your  account, 
subject to the minimum required payment that must always be paid on time.  
There  is  no  pre-set  spending  limit  for  your  account.    With  no  pre-set 
spending limit, you have the flexibility to make purchases in excess of your 
United Credit Card Agreement                                                                  Page 2 of 6                                                       

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
include  any  amount  past  due  on  your  account.    Your  statement  will  show 
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 

9. 
 When  You  Must  Pay  to  Avoid  Interest  Charges.  There  may  be 
different  treatment  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. 
10.    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  Cash  Advances, 
payments,  or  other  credits  which  were  applied  to  Purchases,  unpaid 
FINANCE  CHARGES,  late  charges, membership 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  Purchases, 
payments,  or  other  credits  which  were  applied  to  Cash  Advances, 
unpaid  FINANCE  CHARGES,  late  charges,  membership  fees,  and 
other  fees.  This  gives  us  the  Cash  Advances  daily  balance.  Then  we 
add  up  all  of  the  Purchases  or  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.” 
b.  Figuring the Interest Charge. We compute the interest charge by 
multiplying  these  Average  Daily  Balances  by  the  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 
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  for  Balance  Transfers  during  the  Initial  Rate  Period  is 
.0082%.    After  the  Initial  Rate  Period,  the  Daily  Periodic  Rate  for 
Balance  Transfers  based  on  the  Current  Index  and  Rate  Spread 
described  below  will  be  .0445%  and  the  corresponding  ANNUAL 
PERCENTAGE RATE will be 16.24%.  After the Initial Rate Period, the 
ANNUAL  PERCENTAGE  RATE  for  Balance  Transfers  will  change  to 
the current rate shown on page 1 of this Agreement.  The current Daily 
Periodic  Rate  for  Balance  Transfers  is  .0445%.  The  current  ANNUAL 
PERCENTAGE  RATE  for  Purchases  is  shown  on  page  1  of  this 
Agreement. The Daily Periodic Rate for Purchases is .0445%. 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  12.99  percentage  points. 
(The  Rate  Spread  is  also  called  the  Margin.)  Immediately  before  each 
Change Date we will 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  12.99,  the  ANNUAL 
PERCENTAGE RATE would be 16.24% and by dividing this percentage 
figure by 365, we would compute a Daily Periodic Rate of .0445%. 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. 
d. 
Introductory  and  Promotional  Rates.  At  our  discretion,  we  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 
introductory  or  promotional  ANNUAL 
may  be 

limited.  Any 

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 time period 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. 
e.  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 
dependent  may  not  exceed  an  annual  percentage  rate  of  36  percent.  
This  rate  must  include,  as  applicable  to  the  credit  transaction  or 
account; the costs associated with credit insurance premiums; fees for 
ancillary  products  sold  in  connection  with  the  credit  transaction;  any 
application fee charged (other than certain application fees for specified 
credit  transactions  or  accounts);  and  any  participation  fee  charged 
(other  than  certain  participation  fees  for  a  credit  card  account).  
Additional oral disclosures are available at 1-877-640-2337. 

to  pay 

11.    Annual  Membership  Fee.  You  agree 
in  advance  a 
nonrefundable  annual  membership  fee  shown  on  page  1,  whether  or  not 
you  use  your  Card  or  Credit  Card  account.    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 all 
or a portion of the annual fee. 
12.    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. 
13.    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.    Other  Transaction  Fees.    We  will  charge 
your  Credit  Card  account  when  appropriate  the  Cash  Advance  and 
Convenience  Check  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. 
14.    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 

$3.00 
$5.00 
$1.00 
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 or Visa Temporary Replacement Card 
issued by Mastercard International or Visa Travel 
Service Center. Temporary card is good for 
approximately 1 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 Revolve Line, whichever is 
less. 

•  Copy of Sales Draft 
•  Research Fee 
•  Statement Copy Fee 
•  Convenience Check Stop Payment Order/Return 

Convenience Check Fee 

•  Listing in Combined Warning Bulletin Per Region 
Payable at Time of Delivery 
•  Replacement Card issued by First Hawaiian Bank 
•  Returned Payment Check (due to insufficient funds, 

stop payment order on your check, etc.) 

$  95.00 
$125.00 
$  50.00 

$   5.00 
$ 20.00/hour 
$   5.00 
$ 16.00 

$ 10.00 

$ 20.00 
Up to $35 

15.    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. 
16.    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. 

United Credit Card Agreement                                                                  Page 3 of 6                                                       

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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 (a “Default”) happens: 

a. 

If you miss a payment under this Agreement or any other obligation 
you owe us; or 
If you violate any terms of this Agreement. 

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. 

If  you  fail  to  comply  with  any  of  the  special  terms  in  this  Agreement 
applicable  to  the  World  Elite  Mastercard  account,  you  will  be  in  Default 
under  this  Agreement  and  we  will  have  all  of  the  rights  set  forth  in  this 
Agreement as a result of the Default.  In addition to all of those rights, we 
may in our sole and absolute discretion convert your World Elite Mastercard 
account  to  any  other  type  of  account  that  we  may  offer.    Any  such 
conversion  may  cause  the  elimination  of  the  benefits  associated  with  the 
World Elite Mastercard account without prior notice to you. 
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. 

•  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. 

•  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. 

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. 
iii.  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. 

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  $500  each  calendar  day,  provided  that 
this amount does not exceed your available account balance or 
Revolve  Line.  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. 

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  revolve line 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. 

United Credit Card Agreement                                                                  Page 4 of 6                                                       

Rev. 06/01/20 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
19.    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 the Continental U.S. 
20.    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. 

v. 

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. 
21.    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. 
22.    Our Business Days. Our business days are Monday through Friday, 
except for bank holidays. 
23.    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. 
24.    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. 
25.    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. 
26.    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. 
27.    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. 
28.    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 Revolve Line, etc. 
29.    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. 
30.    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. 
31.    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.  
32.    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. 
33.    Emergency Situation. In the event of an emergency situation beyond 
our  reasonable  control,  such  as  an  "act  of  God,"  war,  fire,  or  natural 
disaster,  services  involving  your  account  could  be  available  only  in  a 
modified or reduced form or could be entirely unavailable. Unless expressly 
prohibited by applicable law, you agree that we will have no liability to you 
for  such  modification,  reduction,  or  unavailability of services caused by an 
emergency situation. 

YOUR BILLING RIGHTS:  Keep This Notice 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 revolve line. 

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. 

United Credit Card Agreement                                                                  Page 5 of 6                                                       

Rev. 06/01/20 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 

the  purchase.  
Purchases  made  with  cash  advances  from  an  ATM  or  with  a 
check that accesses your credit card account do not qualify. 

for 

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. 

United Credit Card Agreement                                                                  Page 6 of 6                                                       

Rev. 06/01/20