Life Matters Platinum Visa Credit Card  
                              Agreement  and Disclosure  
           
           
           
           
           
           
           
           
           
           
           
           
           
           
           
           
           
           
           
           
           
           
           
           
            
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          Life matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19) 
           
           
                              HawaiiUSA Federal Credit Union 
                         1226 College Walk Honolulu, HI 96817-3946 
           
                         Life Matters Visa Credit Card Agreement and Disclosure 
                                        Part 1 of 2 
           
            Interest Rates and Interest Charges 
                               
            Annual Percentage Rate (APR) 
            for Purchases      14.90% 
                                
                                
            APR for Balance Transfers 
                                14.90% 
                               
                               
                               
                              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 
            Paying Interest  
                              your entire balance by the due date each month.  
            For Credit Card Tips from the  To learn more about factors to consider when applying for or using 
            Consumer Financial Protection  a credit card, visit the website of the Consumer Financial Protection 
            Bureau            Bureau at http://www.consumerfinance.gov/learnmore. 
             
            Fees 
            Annual Fee        None 
            Transaction Fees   
             �  Balance Transfer  None 
                              None 
             �  Foreign Transaction 
            Penalty Fees       
             �  Late Payment  Up to $25  
             �  Returned Payment  Up to $25 
           
           How We Will Calculate Your Balance: We use a method called �average daily balance (including new transactions).� 
           See Part 2 of 2 of this Agreement for more details. 
           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. 
            
            
           
           
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                              HAWAIIUSA FEDERAL CREDIT UNION 
                           1226 College Walk, Honolulu HI 96817-3946 
           
                      Life Matters Platinum Visa Credit Card Agreement and Disclosure 
                                        Part 2 of 2 
           
           1.   GENERAL. The words �you� and �your� in this Life Matters 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�); and  (4)  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, 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 cancelled 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).  To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at (800) 379-
           1300 ext. 8457.  
           
           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 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. 
           
           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.  
            
           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.  
           
            
           5.   CREDIT LIMIT:  We assign a Credit Limit to your Account.  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 
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           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 Life Matters VISA Credit Card Agreement and Disclosure, 
           Part 1 of 2, distributed with this Agreement, which contains rate, fee, and other cost information. 
            
           7.   ANNUAL FEE. None. 
            
           8.   OTHER FEES. You also agree to pay us: 
                 �       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 $25.00 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 $25 fee per hour or fraction thereof for any research requested;  
                 �  A Late Payment Fee of up to $25 with respect to any Billing Period if the Minimum Payment Due is not paid within 
                   five  (5) days after the Payment Due Date.  However, the Late Payment Fee will not exceed the amount of the 
                   Minimum Payment Due. 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.   PLATINUM 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 change except 
           as otherwise provided for in this Agreement.   
             
            Details about your interest  Periodic Rate  Corresponding Annual Percentage 
            rates and interest calculations    Rate (APR) 
            Purchases          1.2417% (M)     14.90% 
            Balance Transfers  1.2417% (M)     14.90% 
           (M) = Monthly Periodic Rate.  A monthly periodic rate is the APR divided by 12. 
            
            
           10.  INTEREST CALCUATION   
              
           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. 
              �  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 
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           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 and every 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 on Purchases.  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 Balance Transfers.  This means you will pay interest on Balance Transfers 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) 2.0% of your Account Balance or $25, whichever 
           is greater; or (2) your Account Balance if it is less than $25.00.  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. 
           
                (b) Time and Place for Payment. All VISA payments are to be 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 
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           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 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.  
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               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 TRANSACTIONS AND CURRENCY CONVERSION RATE. 
                (a) Foreign Transactions.   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.  There is no fee for foreign transactions.  
            
                (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 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. 
            
           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.   
            
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           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 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 or Account number, you should 
           call us immediately at 1-800-654-7728, 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 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 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, 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 draft 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 cr im in a l la w enforcement agencies, and to 
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          Life matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19) 
           
           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, 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, password, 
           username, or other access code. If you are contacted by anyone asking for your account number, 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. 
           
           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. 
           
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          Life matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19) 
           
           40.  INTEGRATED DOCUMENTS. Any separate sheet of paper identified as an �Addendum� or �Amendment� to this 
           Agreement is an integrated part of the Agreement. 
            
           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.  All times are Hawaii Standard Time (HST).  Holidays are not included. 
           
           42.  COPY RECEIVED. You acknowledge receipt of a copy of this Agreement and agree to accept its terms. 
           
           43.  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. Share Secured program ineligible for cash advance 
           transactions.    
            
           44.  ENFORCING THIS AGREEMENT.  We will not lose our rights under this Agreement because we delay in enforcing 
           them or fail to enforce them.  
            
           45.  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 and/or Card privileges during any period in which you do not maintain your 
           membership with us.  
            
           46.   CALL MONITORING: You agree that your communications to and from the Credit Union, including but not limited to 
           communicating by telephone, text message, chat, email, or our website, will be monitored and recorded to improve member 
           service and security. 
            
           47.    MOBILE PHONES AND OTHER DEVICES: Smart phones, some tablets or other mobile devices (a �mobile device�) 
           can download, store, and/or access Account information. This means they can be used to make purchases or other transactions 
           through a mobile wallet, that may enable you to use the mobile device to purchase goods or services, or make a balance transfer. 
           Applications that enable your mobile device and use your Card to make transactions will have unique terms governing those 
           applications and may have separate terms of use. We are not responsible if you violate those terms, or for any consequences 
           resulting from any violation. Any such transactions are governed by this Agreement. When your ACCOUNT is accessible by 
           your mobile device, it is important that you treat your mobile device with the same care you would your CARD. For example, you 
           should secure your mobile device against unauthorized access. Keep in mind, if you give someone your phone, or other mobile 
           device, that can be the same as giving that person your credit CARD. 
            
           48.  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 HawaiiUSA Federal Credit Union, 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. 
              �  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: 
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          Life matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19) 
           
              �  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 also will 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 why we believe the bill was correct. 
            
           While we investigate whether or not there has been an error: 
              �  We cannot try to collect the amount in question, or report you as delinquent on that   amount. 
              �  The charge in question may remain on your Statement, and we may continue to charge you interest on that amount. 
              �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
                      �  We can apply any unpaid amount against your credit limit. 
            
           After we finish our investigation, one of two things will happen: 
              �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that 
                amount. 
              �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest 
                and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you 
                as delinquent if you do not pay the amount we think you owe. 
           
           If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse 
           to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell 
           you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter 
           has been settled between us. 
           
           If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is 
           correct. 
           
           Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
           If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith 
           to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 
            
           To use this right, all of the following must be true: 
                1. The purchase must have been made in your home State or within 100 miles of your current mailing address, and the 
           purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an 
           advertisement we mailed to you, or if we own the company that sold you the goods or services.) 
                2. You must have used your credit card for the purchase. Purchases made with with a check that accesses your credit 
           card account do not qualify. 
                3. You must not yet have fully paid for the purchase. 
            
           If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at HawaiiUSA Federal 
           Credit Union, Customer Service, P.O. Box 31112, Tampa, FL 33631-3112. 
           
           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. 
           
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          Life matter Platinum Share Secured Life Matters Visa Credit Card Agreement and Disclosure eff. 11/29/19)