or  casino  gaming  chips/checks  or  off-track  betting  or  wagering. 
Display of a payment card logo by an online merchant or acceptance 
of a Visa Card by an online merchant does not necessarily mean that 
the  transaction  is  legal  in  the  jurisdiction  in  which  you  are  located. 
In the event that a charge or transaction described in this paragraph 
is processed, you will still be responsible for such charges. Any such 
illegal  or  other  prohibited  use  constitutes  an  unauthorized  use  and 
can result in cancellation and termination of your Account.  You agree, 
should  illegal  use  occur,  to  waive  any  right  to  sue  us  in  connection 
with  such  illegal  use  and  to  indemnify  and  hold  us  harmless  from 
any action or liability, including attorney’s fees and costs, directly or 
indirectly arising out of such illegal use.

22.  REWARDS PROGRAM.

(a) Reward Points. If you are enrolled in the Rewards Program for 
your Account, Rewards points will only apply to net Purchases 
(Purchases  minus  returns  and/or  credits).  Every  dollar  in 
qualifying  Purchases,  net  of  returns,  charged  to  the  Account 
earns  one  Participant  Point  (“Point”).  No  points  are  earned 
for  finance  charges,  fees,  Balance  Transfers,  Cash  Advances, 
Convenience  Checks,  Foreign  Transaction  fees,  insurance 
charges or other items posted to the Account.

(b)  Loss  of  Accumulated  Reward  Points.  Accumulated  Rewards 
Points will be lost should any of the following occur: (i) we have 
reason  to  believe  illegal  activity  has  occurred  or  is  occurring 
on your Account; (ii) your Account becomes 90 or more days 
delinquent;  or  (iii)  you  or  the  Joint  holder  of  this  Account 
causes HawaiiUSA to suffer a loss. In addition, Points earned 
in calendar year one will expire as of the last day of calendar 
year  five.  (For  example,  points  earned  in  2010  will  expire  on 
December 31, 2014.)

(c) Rewards Redemption. For travel related redemption, call toll 
free  (800) 900.6160. For merchandise redemption, send your 
order form to: CURewards Awards HQ 2440 West 34th Street, 
Chicago,  IL  60608-5134.  The  website  to  view  the  available 
merchandise is:  www.curewards.com. Redemption is subject 
to availability.

(d)  Program  Rules.  A  complete  set  of  Program  Rules  may  be 
obtained  at  the  CURewards  website,  through  the  HawaiiUSA 
website, http://hawaiiusafcu.com, or by contacting HawaiiUSA 
at (808) 534.4300, or toll free at (800) 379.1300.

(e) Termination. We reserve the right to terminate the Program 
at any time upon providing any notice required by applicable 
law. If terminated, we shall not be responsible or liable for any 
points you have earned and did not use prior to the end of the 
Program.  Also,  if  your  Account  is  closed  for  any  reason,  any 
unused accrued points will be forfeited.

23.    CREDIT  INFORMATION.    You  warrant  that  the  information  on 
any credit application that you have given us to get your Account or 
Card is correct. We may retain your application. You agree to notify 
us  immediately  if  any  information  on  your  application  becomes 
incorrect, including a change in your name, address, employment or 
financial status. You authorize us to investigate your credit standing 
when opening, renewing, or reviewing your Account.  You authorize 
us  to  disclose  information  regarding  your  Account  and  our  credit 
experience  with  you  to  credit  bureaus  and  others  to  the  extent 
permitted  by  law.  You  understand  and  agree  that  we  may  make 
changes to the terms of your Account based on information in your 
credit history.  You understand that it is a violation of section 1014, 

title 18, US Code, to make false statements or over-value security for 
the purpose of influencing the action of any federally insured credit 
union, including HawaiiUSA.

24.  DEFAULT.  You will be in default if: (1) you do not pay at least the 
Minimum Payment Due or other required payment by the Payment 
Due  Date;  (2)  you  violate  any  of  the  terms  of  this  Agreement; 
(3)  your  creditworthiness  is  impaired;  (4)  you  make  any  false  or 
misleading  statements  in  any  credit  application,  credit  update  or 
other communication to us; or (5) you die, are declared incompetent 
or  mentally  incapacitated,  become  insolvent,  or  are  the  subject  of 
bankruptcy  or  receivership  proceedings.  You  agree  to  inform  us  if 
you become aware of any event or condition that may constitute a 
default as described in this paragraph. We have the right to demand 
immediate  payment  of  the  entire  Account  Balance  if  you  default, 
subject to our giving you any notice required by law.  

25.    CLOSING  OR  SUSPENDING  YOUR  ACCOUNT;  ACCELERATION.    If 
you  default,  you  understand  and  agree  that  we  have  the  right  to 
temporarily  or  permanently  suspend  any  and  all  Account  and  Card 
privileges,  and/or  we  may  demand  immediate  payment  of  the 
Account  Balance.  We  may  close  or  suspend  your  Account  at  any 
time, without notifying you, as permitted by law. We are not liable 
to  you  for  any  transactions  that  are  denied  due  to  our  decision  to 
close, suspend  or  terminate your  Account.    You  agree that  you  will 
not attempt to make a Purchase or obtain a Cash Advance after you 
have been notified that your privilege to use your Account has been 
terminated.  You may close your Account at any time by notifying us 
in  writing,  and  you  must  return  all  Cards  that  were  issued  for  your 
Account.  If we close or suspend your Account, or if you close your 
Account,  you  understand  and  agree  that  you  remain  obligated  to 
repay  the  entire  Account  Balance.  You  understand  and  agree  that 
interest charges at the APR as permitted under this Agreement will 
continue to accrue until you repay your entire Account Balance.

26.    COLLECTION  COSTS.    To  the  extent  permitted  by  law,  you  are 
liable to us for our legal costs if we refer collection of your Account 
to an attorney who is not our salaried employee.  These costs may 
include reasonable attorneys’ fees, as well as costs and expenses of 
any legal action.

27.  LIABILITY FOR UNAUTHORIZED USE.  If you notice the loss or theft 
of your Card, PIN or Account number, you should call us immediately 
at 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, PIN or Account number and to comply with such other 
procedures as we may require in connection with our investigation. 

You  are  responsible  for  the  safekeeping  of  your  Card,  PIN,  and 
Account number. 

28.  STATEMENTS. Your Card or other Account activity will be reflected 
on  your  Statement.    We  will  send  you  a  Statement  for  each  Billing 
Period  in  which  Transaction  activity  has  occurred  on  your  Account. 
Your  Statement  will  identify  the  merchant,  electronic  terminal,  or 
financial  institution  at  which  transactions  were  made,  but  sales, 
Cash Advance, credit, or other receipts cannot be returned with the 
Statement. You agree to retain  copies  of such receipts furnished  at 
the time of the transaction in order to reconcile your Statement. If 
you request a copy of any sales raft or similar document, a Statement 
fee  of  $5.00  may  be  imposed  by  us.  This  fee  will  not  be  imposed, 
however,  if  it  was  requested  in  connection  with  a  billing  error.  
Statements  will  be  mailed  or  delivered  electronically  if  you  have 
agreed to receive notices from us in an electronic format.

29.  INACTIVE ACCOUNT:  If your Account does not have any activity 
for  twenty-four  (24)  consecutive  months,  it  will  be  considered  an 
inactive account and your ability to take advances against your Credit 
Limit may be suspended.  If your Account is inactive for twenty-four 
(24) consecutive months, we may close it.

30.    RETURNS  AND  ADJUSTMENTS.  If  a  merchant  discloses  a  policy 
such  as  “no  returns,”  “no  refunds,”  “no  return  or  credit  without 
receipt,”  “as  is,”  “store  credit  only”  or  “all  sales  final,”  you  will  be 
bound by that policy when you use your Card to buy goods or services 
from that merchant.  A merchant refund to your Account will post to 
your Account as a credit.  We do not control when a merchant sends 
an Account credit.  We will choose how to apply the credit to your 
existing Account Balance.  If a credit fails to post to your Account, you 
may request our help in having the credit applied to your Account by 
sending  us  a  copy  of  the  credit  receipts  until  the  credit  is  properly 
applied to your Account.  If your credits and payments exceed what 
you owe us, we will hold and apply this credit balance against future 
Transactions,  or  if  it  is  $1.00  or  more,  refund  it  on  your  written 
request or automatically after six (6) months.

31.    DISPUTES  WITH  MERCHANTS.  We  are  not  responsible  for  the 
refusal of any merchant or financial institution to honor your Card. If 
you have a dispute with a merchant or financial institution, you must 
make a good faith attempt to resolve the dispute with the merchant 
or  financial  institution.  If  you  cannot  do  so,  you  must  send  written 
notice of the dispute to Customer Service, P.O. Box 31112, Tampa, FL 
33631-3112 and to the merchant or financial institution. We will then 
investigate  the  dispute  and  take  such  action  as  required  under  the 
Federal Truth in Lending Act.

32.    INVESTIGATIONS.    You  agree  to  cooperate  fully  with  the 
investigation  of  any  merchant  dispute  or  unauthorized  transaction 
regarding  your  Account,  to  file  complete  and  truthful  reports  with 
criminal law enforcement agencies, and to give complete and truthful 
testimony. At our request, you agree that (1) we will be subrogated 
to,  and  you  shall  assign  to  us,  all  rights  that  you  have  against  any 
merchant,  financial  institution,  or  unauthorized  user,  (2)  you  will 
do  whatever  is  necessary  to  enable  us  to  exercise  our  rights  and 
will cooperate with us, and (3) you will not prejudice our rights. You 
further agree that we have the right to reverse any credits that we 
apply, and that you will indemnify and hold us harmless with respect 
to any dispute, to the full extent permitted by law.

33.  CHANGE OF TERMS. This Agreement is the contract that applies to 
all Transactions on your Account even though the sales, cash advance, 
credit, or other slips you sign or receive may contain different terms. 
Subject  to  applicable  law,  you  understand  and  agree  that  we  may 
amend, modify, add to, or delete from this Agreement any of its terms 
and conditions, including financial terms, including rates and fees by 
providing notice as required by law. The new terms will apply to your 

existing Account Balance and all fees and charges accrued at the time 
of  the  change  as  well  as  to  any  future  Transactions,  to  the  extent 
permitted by applicable law. 

34.  VISA  ACCOUNT  UPDATER  (VAU).    VAU  is  an  account  updating 
service  in  which  your  Card  is  automatically  enrolled.    When  your 
Card expires, is lost or stolen and a new Card is issued, the service 
may update relevant Card data (Card numbers and expiration dates) 
to  appropriate  merchants  who  participate  in  an  effort  to  facilitate 
uninterrupted  processing  of  your  recurring  charges.    This  service 
provides updates to a Visa database only.  The database is accessed 
by those qualified merchants seeking your Account information after 
you have requested they process a recurring payment or payments.  
This service is provided as a free benefit to you.  If at any time you 
wish  to  opt-out  of  the  VAU  service  or  if  you  have  any  questions, 
please call (808) 534.4300 or (800) 379.1300- to do so.

35.  NOTICE

(a)  To Us.  If there is any Notice that you need to give to us, call us 
during our business hours at (808) 534.4300 on Oahu, or toll 
free at (800) 379.1300, or write to us at: HawaiiUSA Federal 
Credit Union, 1226 College Walk, Honolulu, HI  96817-3946.

If you email us, we may not immediately review it. We will not take 
action based on email requests until a Credit Union employee reads 
the email and has a reasonable opportunity to act.   Do not include 
any personal or confidential information in any email that you send 
to us, whether through online banking or through a different email 
provider.

We will never contact you by email, telephone, mail or other type of 
correspondence and request your account number, PIN, password, 
username,  or  other  access  code.  If  you  are  contacted  by  anyone 
asking for your account number, PIN, password, username or other 
access code, you should refuse and immediately contact us. You may 
be the target of identity theft.

(b)  To You.  If you move, you must give written notice of your new 
address.  Whenever  we  are  required  to  give  you  notice  for 
something, we will mail it to you at the address we have for 
you in our records.  If you sign up for electronic statements, 
notice  may  be  provided  by  email.  If  there  is  more  than  one 
person on the Account, notice to any one of you constitutes 
notice to all of you.

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.

What to Do If You Find a Mistake on Your Statement
If  you  think  there  is  an  error  on  your  Statement,  write  to  us  at 
Customer Service, P.O. Box 31112, Tampa, FL 33631-3112

In your letter, give us the following information:

40.  INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper 
identified as an “Addendum” or “Amendment” to this Agreement is 
an integrated part of the Agreement.

•  Account information: Your name and account number.

•  Dollar amount: The dollar amount of the suspected error.

41.  BUSINESS DAYS. Our Business Days and hours at our Main Branch 
are Monday to Friday, 9:00 am to 5:30 pm, and Saturday, 8:30 am to 
2:30 pm.  Holidays are not included.

•  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.

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.

42.  COPY  RECEIVED.  You  acknowledge  receipt  of  a  copy  of  this 
Agreement and agree to accept its terms.

You must contact us:

43.    PINK  PLATINUM  CHARITABLE  BENEFITS:  This  section  applies  if 
you have a Pink Platinum Credit Card Account.  Use of the HawaiiUSA 
VISA Pink Platinum Credit Card results in donations to charity.  We 
will  donate  0.10%  (10  cents  for  every  $100)  of  all  net  Purchases 
(less returns) made with the Card to charity.  We may increase this 
amount during promotional periods.  We will donate up to $20,000 
of net Purchases annually.  We have designated the Making Strides 
Against Breast Cancer® program of the American Cancer Society as 
the current charitable recipient. We reserve the right to change the 
charitable  recipient  or  to  terminate  the  charitable  program  at  any 
time.  No change will affect donations previously made.

44.    VISA  SHARE  SECURED  CREDIT  CARD:    If  you  have  signed  a 
separate Share Pledge Agreement, you understand and agree that 
you  are  pledging  funds  now  on  deposit  in  a  deposit  account  you 
have  with  us.    You  understand  that  you  must,  at  all  times,  keep  a 
sum equal to your credit limit on deposit in the designated deposit 
account identified on the Share Pledge Agreement until you repay 
your  entire  Account  Balance  and  the  Account  is  closed.    You 
understand  and  agree  that  this  security  interest  will  cover  future 
Transactions  under  this  Agreement.    If  you  default,  we  may  apply 
the  pledged  funds  to  repay  your  Account  Balance  in  accordance 
with federal or other law.  You understand that the APR applicable 
to your Account does not take into account the amount pledged in 
your designated deposit account.  

45.    ENFORCING  THIS  AGREEMENT.    We  will  not  lose  our  rights 
under  this  Agreement  because  we  delay  in  enforcing  them  or  fail 
to enforce them. 

46.  MEMBERSHIP  REQUIREMENT.    You  understand  and  agree  that 
you must be and remain a member in good standing with us to be 
eligible  for  continuing  Account  and/or  Card  privileges,  including 
future Transactions. You understand and agree that we may suspend 
or  close  the  Account  and/or  Card  privileges  during  any  period  in 
which you do not maintain your membership with us. 

47.    NOTICE.  See  the  statement  below  for  important  information 
regarding your right to dispute billing errors.

•  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:

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.)

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. You must have used your credit card for the purchase. Purchases 
made  with  cash  advances  from  an  ATM  or  with  a  check  that 
accesses your credit card account do not qualify.

2. Within 90 days of receiving your letter, we must either correct 

the error or explain why we believe the bill was correct.

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 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.

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.

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.

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 

PLATINUM VISA CREDIT CARD 
AGREEMENT AND 
DISCLOSURE

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M-123293

HawaiiUSA Federal Credit Union
1226 College Walk Honolulu, HI 96817-3946

HAWAIIUSA FEDERAL CREDIT UNION
1226 College Walk, Honolulu HI 96817-3946

Platinum Visa Credit Card Agreement and Disclosure
Part 1 of 2

Platinum Visa Credit Card Agreement and Disclosure
Part 2 of 2

 Interest Rates and Interest Charges

ANNUAL  
PERCENTAGE RATE 
(APR) for Purchases

APR for  
Balance Transfers

APR for  
Cash Advances

8.00%

8.00%

8.00%

Paying Interest

Your due date is at least 25 days after the 
close of each billing cycle. We will not charge 
you  interest  on  purchases  and  balance 
transfers if you pay your entire balance by 
the  due  date  each  month.  We  will  begin 
charging interest on cash advances on the 
transaction date.

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

None

Transaction Fees

Balance Transfers

Cash Advances

None

None

Foreign Transaction

1.00% of each transaction

Late Payment: 
Up to $35 or 5% of delinquent amount, whichever is less

Penalty Fees

Returned Payment: 
Up to $24

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called 
“average daily balance (including new transactions).”

Billing  Rights:  Information  on  your  rights  to  dispute  transactions 
and  how  to  exercise  those  rights  is  provided  at  the  end  of  this 
Agreement, in Part 2 of 2.

1.  GENERAL.  The words “you” and “your” in this Platinum Visa Credit 
Card  Agreement  and  Disclosure  (“Agreement”)  refer  to  each  person 
who as Applicant or Joint Applicant has asked us to open a Consumer 
Platinum  Credit  Card  Account  in  his  or  her  name.  “We,”  “us,”  “our” 
and “HawaiiUSA” refer to HawaiiUSA Federal Credit Union. The word 
“Statement” means the periodic billing statement for your Account, 
which we will send you each month. “Billing Period” means the period 
of time covered by the Statement.  

You  are  asking  that  we:  (1)  open  a  consumer  Platinum  credit  card 
account  at  HawaiiUSA  in  your  name  (your  “Account”);  (2)  issue  you 
one  or  more  VISA  credit  cards  (“Card”)  for  your  Account,  in  your 
name,  or  names,  if  a  joint  account;  (3)  allow  you  to  purchase  goods 
and services with your Card (your “Purchases”); (4) allow you to obtain 
cash  advances  using  your  Account  (your  “Cash  Advances”);  and  (5) 
allow you to make balance transfers using your Account (your “Balance 
Transfers”).  You authorize us to pay and charge your Account for all 
transactions (including Purchases, Convenience Checks, Cash Advances 
and  Balance  Transfers)  made  or  obtained  by  you  or  anyone  you 
authorize to use your Card or Account (collectively, “Transactions”).

You  will  be  obligated  to  pay  all  such  Transactions  charged  to  your 
Account whether resulting from: (1) actual use of your Card; (2) mail 
order or telephone, computer, or other electronic transactions made 
without  presenting  the  Card;  or  (3)  any  other  circumstances  where 
you authorize a charge, or authorize someone else to make a charge, 
to your Account. “Account Balance” means all authorized charges, plus 
any  finance  charges  assessed  on  your  Account,  plus  any  other  fees 
and charges which you owe to us under the terms of this Agreement. 

In  return,  by  accepting,  signing  or  using  your  Card  after  receiving  a 
copy of this Agreement, you agree to be liable for all Transactions and 
charges  to  your  Account;  you  agree  to  the  terms  of  this  Agreement 
and  any  amendments  to  this  Agreement;  and  you  agree  that  it  will 
be binding upon you even if your Account is canceled or terminated.

2.    MILITARY  LENDING  ACT  DISCLOSURES.    Federal  law  provides 
important  protections  to  members  of  the  Armed  Forces  and  their 
dependents  relating  to  extensions  of  consumer  credit.    In  general, 
the cost of consumer credit to a member of the Armed Forces and his 
or  her  dependents  may  not  exceed  an  annual  percentage  rate  of  36 
percent.  This rate must include, as applicable to the credit transaction 
or account: The costs associated with credit insurance premiums; fees 
for  ancillary  products  sold  in  connection  with  the  credit  transaction; 
any  application  fee  charged  (other  than  certain  application  fees  for 
specified  credit  transactions  or  accounts);  and  any  participation  fee 
charged (other than certain participation fees for a credit card account). 

3.  CONSUMER ACCOUNT.  You agree that your Account is for consumer 
use  only,  and  is  established  and  to  be  used  primarily  for  personal, 
household,  or  family  purposes.  We  do  not  have  a  duty  to  monitor 
your Account for business use. If you use your Account for business 
purposes, you agree that the consumer protection provisions of this 
Agreement  do  not  apply  except  to  the  extent  required  by  law.  We 
may close your Account if we learn that you are 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.  In addition, you may obtain Cash Advances from HawaiiUSA, 
from  other  financial  institutions  or  select  merchants  participating 
in  the  Visa  program  and  from  automated  teller  machines  (ATMs) 
that provide access to the Visa system.  Not all merchants or ATMs 
provide such access.  You will need to use your Personal Identification 
Number (PIN) to obtain a Cash Advance from an ATM.  A PIN may be 
obtained by calling (888) 886.0083.

If  you  use  an  ATM  not  owned  by  us,  you  may  be  charged  a  fee  by 
the ATM operator or any ATM network used to complete the transfer 
(and you may be charged a fee for a balance inquiry even if you do 
not  complete  a  funds  transfer).    The  fee  will  be  debited  from  your 
Account if you elect to complete the transaction or continue with the 
balance inquiry. 

You  may  also  use  your  Account  to  transfer  balances  from  other 
creditors, provided that we approve your request. To make a Balance 
Transfer, contact any HawaiiUSA branch or obtain a Balance Transfer 
authorization form from our website, http://hawaiiusafcu.com.

If  you  have  or  are  later  provided  with  a  PIN,  you  must  not  give  or 
disclose  your  PIN  to  others.  If  you  do  so,  all  transactions  by  such 
persons  will  be  deemed  authorized  by  you.      (See  section  below 
entitled RESPONSIBILITY.)

5.  CREDIT LIMIT:   We assign a Credit Limit to your Account.  Part 
of this Credit Limit may be available for Cash Advances.  Your Credit 
Limit  will  initially  be  disclosed  in  Your  welcome  letter  and  will  be 
reflected  on  each  periodic  statement.   You  agree  to  manage  your 
Account so that your Account Balance (including fees and charges) 
is  not  more  than  your  Credit  Limit.   However,  if  your  Account 
Balance exceeds your Credit Limit, you are still obligated to pay us.  
We may increase or decrease your Credit Limit at any time and we 
may notify you of such increase or decrease by mail or through a 
statement  sent  to  the  primary  accountholder’s  address  of  record, 
in  accordance  with  applicable  legal  requirements.   If  you  object 
to any Credit Limit increase, you must notify us immediately.  You 
or  any  co-borrower  on  the  Account  may  request  a  change  to  the 
Credit Limit orally, in writing, or electronically, but any such request 
must be approved by us.  If your Credit Limit is increased, you are 
immediately responsible for the new Credit Limit and any increase in 
the Account Balance even when it differs from an amount previously 
agreed to orally or in writing.

6.    ACCOUNT  OPENING  DISCLOSURE.    Please  refer  to  the  Platinum 
VISA Credit Card Agreement and Disclosure, Part 1 of 2, distributed 
with  this  Agreement,  which  contains  rate,  fee,  and  other  cost 
information.

7.  ANNUAL MEMBERSHIP FEE. None.

8.  OTHER FEES. You also agree to pay us:

•  a  1%  foreign  transaction  fee  (see  section  entitled  FOREIGN 
TRANSACTION  FEE  AND  CURRENCY  CONVERSION  RATE  for 
more  information  about  our  Foreign  Transaction  Fee  and 
currency conversion rate);

•  a $15.00 Replacement Card Fee for each Card that we issue to 
you as replacement for a lost, stolen or damaged Card, payable 
at the time your replacement Card is ordered for you;

•  a Returned Payment Fee of up to $24.00 each time a check 
you use to make a payment is returned unpaid (however, the 
Returned  Payment  Fee  will  not  exceed  the  amount  of  the 
minimum payment due);

•  a $5 fee each time you request a copy of your billing Statement;

•  a  $20  fee  per  hour  or  fraction  thereof  for  any  research 

requested; 

•  a  Late  Payment  Fee  of  up  to  $35  or  5%  of  the  delinquent 
amount, whichever is less, with respect to any Billing Period if 
the Minimum Payment Due is not paid within ten (10) days after 
the Payment Due Date.  However, the Late Payment Fee will not 
exceed the amount of the Minimum Payment Due. For the first 
violation in any seven consecutive monthly Billing Periods, the 
Late Payment Fee will not exceed $25.  You will only have to pay 
the Late Payment Fee once on the same late payment.  

You  authorize  us  to  charge  your  Account  for  the  fees  due  to  us.  
You  understand  and  agree  that  we  have  the  right,  in  our  sole  and 
absolute discretion, to change the amount of fees that apply to your 
Account, in accordance with applicable law.

9.  VISA NON-VARIABLE RATE PROGRAM. We use annual percentage 
rates (APRs) to calculate interest charges on your Account. Our Visa 
program is a non-variable rate program, which means that your APR 
does not increase or decrease except as otherwise provided for in 
this Agreement.

Details about your 
interest rates and 
interest calculations

Purchases
Balance Transfers
Cash Advances

Periodic Rate

Corresponding 
Annual Percentage 
Rate (APR)

0.6667% (M) 8.00%

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.  

•  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.

From  time  to  time  and  at  our  discretion,  we  may  offer  introductory 
or  promotional  APRs  for  all  or  any  part  of  your  Account  Balance, 
Balance Transfers or future transactions.  The period of time for which 
the  introductory  or  promotional  APR  applies  may  be  limited.    Any 
applicable promotional APR, the corresponding periodic rates, and the 
period of time during which they are in effect will appear on the offer.  
Any introductory or promotional rate offer will be subject to the terms 
of the offer and this Agreement. Any introductory or promotional APR 
that we may offer will be separately identified on your Statement as 
well  as  the  balances  to  which  these  APRs  apply.  Upon  expiration  of 
the introductory or promotional APR, the APR will be adjusted to the 
standard APR and will apply to all outstanding balances. 

11.  GRACE PERIOD.

You  will  not  pay  any  interest  on  Purchases  if  you  pay  the  Account 
Balance, including any Balance Transfers, in full by the Payment Due 
Date  shown  on  your  Statement  each  Billing  Period.    We  call  this  a 
grace  period  on  Purchases.    Generally  you  will  have  a  25-day  grace 
period  from  the  close  of  each  Billing  Period  to  pay  the  Account 
Balance  without  incurring  additional  interest.    The  Payment  Due 
Date  disclosed  on  each  Statement  provided  to  you  is  the  last  day 
of your grace period for that Statement’s billing cycle. If you do not 
pay the Account Balance, including  any Balance Transfers, in full by 
the  Payment  Due  Date  in  a  Billing  Period,  you  will  pay  interest  on 
your Purchases from the date they are posted to your Account.  You 
also  will  not  have  a  grace  period  on  Purchases  again  until  you  pay 
the Account Balance in full by the Payment Due Date two (2) Billing 
Periods in a row.  

There is no grace period on Cash Advances.  This means you will pay 
interest on Cash Advances from the date these transactions post to 
your Account. 

(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 $15.00, whichever is greater; 
or (2) your Account Balance if it is less than $15.00.  In addition, 
you must pay any amount past due, any late charge and any 
amount over the Credit Limit. 

Though you need only pay the Minimum Payment Due, you have the 
right to repay your Account Balance at any time without penalty.

You must also pay on our demand the amount by which the Account 
Balance exceeds the credit limit that we set for your Account.

(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

•  You must pay in U.S. Dollars.

•  You must use a check or electronic debit issued by a financial 

institution in the U.S. (do not mail cash).

•  You  must  not  send  us  a  check  dated  after  the  date  that  we 

receive it.

•  You must not enclose more than one check per envelope.

•  You  must  not  include  any  restrictive  endorsements  on  the 

check.

•  You must follow any additional payment instructions shown on 

your Statement. 

(c)  How  Your  Payments  Will  Be  Applied.      Minimum  Payments 
will  be  applied  to  your  Account  in  the  manner  chosen  by  us 
subject  to  applicable  law.  Any  payment  amounts  above  the 
Minimum  Payment  Due  will  be  applied  to  balances  subject 
to higher APRs and then to balances subject to lower APRs, in 
descending order of APRs until all balances subject to an APR 
are paid in full. 

(d)  Payments  Marked  “Paid  In  Full.”  We  may  accept  checks, 
money  orders,  or  other  types  of  payment  marked  “payment 
in  full”  or  using  other  language  to  indicate  full  satisfaction 
of  any  indebtedness  without  being  bound  by  such  language 
or  waiving  any  rights  under  this  Agreement.  Full  satisfaction 
of  indebtedness  shall  be  accepted  by  us  only  in  a  written 
agreement, signed by an authorized representative.

13.  PAYMENTS BY AUTOMATIC TRANSFER:   By separate agreement, 
you  may  authorize  us  to  automatically  transfer  the  Minimum 
Payment  Due  from  your  Credit  Union  savings  or  checking  account.  
If  you  request  payment  by  automatic  transfer,  you  understand  and 
agree  that  no  payment  will  be  made  if  there  are  insufficient  or 
uncollected  funds  in  the  designated  savings  or  checking  account 
to  make  the  scheduled  payment.   Should  this  event  occur,  you 
understand and agree that you will not be released from making the 
payment.   Any  automatic  transfer  you  have  requested  will  remain 
in effect until you cancel it in writing or the Account Balance is paid 
in full.  To stop a payment by automatic transfer, you may send us a 
letter requesting that the payment be stopped.  Your letter must be 
received by HawaiiUSA Federal Credit Union, Attention: Card Services 
Department, 1226 College Walk, Honolulu, HI 96817, at least three 
(3)  business  days  before  the  automatic  payment  is  scheduled  to 
occur.  We may cancel this service at our discretion.

14.  RECURRING  PAYMENTS:   The  use  of  your  Account  to  make 
preauthorized  electronic  recurring  bill  payments  constitutes  an 
“electronic fund transfer” as defined by the federal Electronic Fund 
Transfer  Act  and  Regulation  E.   You  may  be  able  to  place  a  stop 
payment  on  a  preauthorized  electronic  recurring  bill  payment  in 
accordance  with  the  terms  of  our  Authorization  Agreement  for 
Preauthorized  Payments.   Any  such  stop  payment  order  is  subject 
to  a  Stop  Payment  Fee  of  $10.00  for  each  stop  payment  order  you 
give.  A stop payment/revocation order does not release you from the 
obligation to pay for goods and services purchased from merchants.

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.

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 

(M)  =  Monthly  Periodic  Rate.    A  monthly  periodic  rate  is  the  APR 
divided by 12.

12.  PAYMENTS.

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your permission. You must not give anyone else possession of your 
Card, PIN, or other authority to make transactions on your Account. 
You  cannot  disclaim  responsibility  by notifying  us,  although  we will 
close the Account if you so request and you will return all Cards to us. 
Your obligation to pay the Account Balance continues even though an 
agreement, divorce decree, or other court judgment to which we are 
not a party may direct you or one of the other persons responsible to 
pay the Account. 

16.    JOINT  ACCOUNTS.    If  this  is  a  joint  Account,  each  of  you  will 
be individually and jointly responsible  for paying all amounts owed 
under this Agreement.  This means that we can require any one of 
you individually to repay the Account Balance.  Each of you authorizes 
the other to make Transactions individually.  Any one of you may close 
the Account and such closure will be effective as to all of you.  You 
agree that all notices regarding the Account may be sent solely to the 
cardholder whose name and address appears on our billing records.  
If  this  is  a  joint  account,  neither  party  can  be  released  from  his  or 
her obligations except upon HawaiiUSA’s approval. Cards remain our 
property and you must recover and surrender to us all Cards upon our 
request and upon termination of this Account.

17.   ACCOUNT USE BY AUTHORIZED USERS:   You may request to add 
one or more Authorized Users to your Account.  If we approve your 
request, use of your Account by an Authorized User is subject to the 
terms of this Agreement.  You must:

•  Obtain permission from each Authorized User before naming 

him or her as an Authorized User on your Account.

•  Make a copy of this Agreement available to each Authorized 

User.

•  Pay us for all charges incurred by each Authorized User.

•  Notify us to remove an Authorized User from your Account.  If 
we  remove  an  Authorized  User,  we  may  close  your  Account, 
open a new Account, and issue you a new Card.

We may limit the number of Authorized Users on your Account. 

You are responsible for:

•  Any Transactions made by an Authorized User on your Account.

•  Any Transaction made by an Authorized User even if the post-
date  shown  on  your  periodic  statement  for  that  Transaction 
occurs after the date you ask us to remove the Authorized User 
from your Account.

•  Any Transactions made by others if an Authorized User allows 

them to use your Account.

•  Fees and charges resulting from any Transactions made by an 
Authorized User or others if an Authorized User allows them to 
use your Account.

INFORMATION  ABOUT  AUTHORIZED  USERS:     You  agree  to  give  us 
certain personal information about each Authorized User.  You must 
let  each  one  know  that  you  will  give  us  that  information  and  you 
must have his or her permission to do so.  You must have permission 
from  each  one  to  allow  us  to  share  information  about  him  or  her 
as  permitted  by  applicable  law.   This  includes  information  we  may 
obtain  from  you,  any  Authorized  User  and  others.   It  also  includes 
information about their Transactions on the Account.

CREDIT  REPORTING:     We  report  information  about  this  Account  to 
Consumer  Reporting  Agencies  in  the  Authorized  User’s  name  that 
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may  appear  on  their  credit  report.   This  could  include  information 
about:

•  Late Payments;

•  Returned Payments;

•  Over-the-credit-limit amounts; and 

•  Other violations of this Agreement. 

You  understand  and  agree  that  you  must  let  each  Authorized  User 
know that we report Account information in his or her name. 

18.  INTERNET (ONLINE) TRANSACTIONS.   We subscribe to Verified 
by Visa (VbV). VbV is an enhancement that improves the security of 
Purchases made via the Internet by enabling us to verify your Account 
ownership  during  online  purchases  by  using  a  password.  VbV  only 
relates to Internet Purchases from merchants that also participate in 
VbV.  If you make Purchases through the Internet, you may register 
your Card at www.visa.com, where you will be asked to enter account 
information  and  personal  data  for  identity  confirmation.  You  will 
be  able  to  shop  at  participating  VbV  Internet  merchants  with  no 
changes to the shopping or checkout process. Should you shop at a 
VbV participating Internet merchant and have not yet registered your 
Card,  you  may  be  required  to  register  with  VbV  before  completing 
the transaction.

19.  FOREIGN TRANSACTION FEE AND CURRENCY CONVERSION RATE.

(a) Foreign Transaction Fee.   A fee of 1% of the amount of the 
transaction,  calculated  in  U.S.  dollars,  will  be  imposed  on  all 
foreign  transactions,  regardless  of  whether  the  transaction 
involves  a  currency  conversion,  including  Purchases,  Cash 
Advances  and  credits  to  your  Account.  A  foreign  transaction 
is any transaction that you complete or a merchant completes 
on your Card outside of the United States, with the exception 
of U.S. military bases, U.S. territories, U.S. embassies, or U.S. 
consultants.

(b) Currency Conversion Rate.  Transactions will be billed to your 
Account in U.S. dollars. The conversion to U.S. dollars will be 
made  in  accordance  with  the  Visa  operating  regulations  for 
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 

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