PLATINUM VISA CREDIT CARD  
AGREEMENT AND 
DISCLOSUREDisplay 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.
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.  Holidays are not included.
42. COPY RECEIVED. You acknowledge receipt of a copy of this 
Agreement and agree to accept its terms.
43. PINK PLATINUM CHARITABLE BENEFITS: This section applies if 
you have a Pink Platinum Credit Card Account.  Use of the HawaiiUSA 
VISA Pink Platinum Credit Card results in donations to charity.  We 
will donate 0.10% (10 cents for every $100) of all net Purchases 
(less returns) made with the Card to charity.  We may increase this 
amount during promotional periods.  We will donate up to $20,000 
of net Purchases annually.  We have designated the Making Strides 
Against Breast Cancer� program of the American Cancer Society as 
the current charitable recipient. We reserve the right to change the 
charitable recipient or to terminate the charitable program at any 
time.  No change will affect donations previously made.
44. VISA SHARE SECURED CREDIT CARD:   If you have signed a 
separate Share Pledge Agreement, you understand and agree that 
you are pledging funds now on deposit in a deposit account you have 
with us.  You understand that you must, at all times, keep a sum equal 
to your credit limit on deposit in the designated deposit account 
identified on the Share Pledge Agreement until you repay your entire 
Account Balance and the Account is closed.  You understand and 
agree that this security interest will cover future Transactions under 
this Agreement.  If you default, we may apply the pledged funds to 
repay your Account Balance in accordance with federal or other law.  
You understand that the APR applicable to your Account does not 
take into account the amount pledged in your designated deposit 
account.  
45. ENFORCING THIS AGREEMENT.  We will not lose our rights under 
this Agreement because we delay in enforcing them or fail to enforce 
them. 
46. MEMBERSHIP REQUIREMENT.  You understand and agree that 
you must be and remain a member in good standing with us to be 
eligible for continuing Account and/or Card privileges, including 
future Transactions. You understand and agree that we may suspend 
or close the Account 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.YOUR BILLING RIGHTS: KEEP  THIS DOCUMENT FOR FUTURE USE
This notice contains important information about your rights and 
our responsibilities under the Fair Credit Billing Act.
What to Do If You Find a Mistake on Your Statement
If you think there is an error on your Statement, write to us at 
Customer Service, P .O. Box 31112, Tampa, FL 33631-3112
In your letter, give us the following information:
� Account information : Your name and account number.
� Dollar amount : The dollar amount of the suspected error.
� Description of problem : If you think there is an error on your 
bill, describe what you believe is wrong and why you believe it 
is a mistake.
You must contact us:
� Within 60 days after the error appeared on your Statement.
� At least 3 business days before an automated payment is 
scheduled, if you want to  stop payment on the amount you 
think is wrong.
You must notify us of any potential errors in writing . You may call us, 
but if you do, we are not required to investigate any potential errors 
and you may have to pay the amount in question.
What Will  Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that 
we received your letter. We 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 cash advances from an ATM or 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 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.
M-123296
9 10 11 12 13 14 HawaiiUSA Federal Credit Union
1226 College Walk, Honolulu, HI 96817-3946
Platinum Visa Credit Card Agreement and Disclosure
Part 1 of 2HAWAIIUSA FEDERAL CREDIT UNION
1226 College Walk, Honolulu HI 96817-3946
Platinum Visa Credit Card Agreement and Disclosure
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.
(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 balances to which these APRs apply. Upon expiration of 
the introductory or promotional APR, the APR will be adjusted to the 
standard APR and will apply to all outstanding balances. 
11.  GRACE PERIOD.
You will not pay any interest on Purchases if you pay the Account 
Balance, including any Balance Transfers, in full by the Payment Due 
Date shown on your Statement each Billing Period.  We call this a 
grace period on Purchases.  Generally you will have a 25-day grace 
period from the close of each Billing Period to pay the Account 
Balance without incurring additional interest.  The Payment Due 
Date disclosed on each Statement provided to you is the last day 
of your grace period for that Statement�s billing cycle. If you do not 
pay the Account Balance, including any Balance Transfers, in full by 
the Payment Due Date in a Billing Period, you will pay interest on 
your Purchases from the date they are posted to your Account.  You 
also will not have a grace period on Purchases again until you pay 
the Account Balance in full by the Payment Due Date two (2) Billing 
Periods in a row.  
There is no grace period on Cash Advances.  This means you will pay 
interest on Cash Advances from the date these transactions post to 
your Account. 
12.  PAYMENTS.
(a) Minimum Payment.  Every month, you must pay at least the 
Minimum Payment Due by the Payment Due Date shown on 
your Statement. The Minimum Payment Due will be either 
(1) 3.5% of your Account Balance or $15.00, whichever is 
greater; or (2) your Account Balance if it is less than $15.00.  In 
addition, you must pay any amount past due, any late charge 
and any amount over the Credit Limit. 
Though you need only pay the Minimum Payment Due, you have the 
right to repay your Account Balance at any time without penalty.
You must also pay on our demand the amount by which the Account 
Balance exceeds the credit limit that we set for your Account.
(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 or the Account Balance is paid 
in full.  To stop a payment by automatic transfer, you may send us a 
letter requesting that the payment be stopped.  Your letter must be 
received by HawaiiUSA Federal Credit Union, Attention: Card Services 
Department, 1226 College Walk, Honolulu, HI 96817, at least three 
(3) business days before the automatic payment is scheduled to 
occur.  We may cancel this service at our discretion.
14.  RECURRING PAYMENTS:  The use of your Account to make 
preauthorized electronic recurring bill payments constitutes an 
�electronic fund transfer� as defined by the federal Electronic Fund 
Transfer Act and Regulation E.  You may be able to place a stop 
payment on a preauthorized electronic recurring bill payment in 
accordance with the terms of our Authorization Agreement for 
Preauthorized Payments.  Any such stop payment order is subject 
to a Stop Payment Fee of $10.00 for each stop payment order you 
give.  A stop payment/revocation order does not release you from the 
obligation to pay for goods and services purchased from merchants.
15.  RESPONSIBILITY . You agree to repay us according to the terms of 
this Agreement for all Transactions, finance charges, late charges, and 
other fees arising from the use of the Account by you or any other 
person you permit to use the Account, even if that person exceeds 
your permission. You must not give anyone else possession of your Card, PIN, or other authority to make transactions on your Account. 
You cannot disclaim responsibility by notifying us, although we will 
close the Account if you so request and you will return all Cards to us. 
Your obligation to pay the Account Balance continues even though an 
agreement, divorce decree, or other court judgment to which we are 
not a party may direct you or one of the other persons responsible 
to pay the Account. 
16.  JOINT ACCOUNTS. If this is a joint Account, each of you will be 
individually and jointly responsible for paying all amounts owed 
under this Agreement.  This means that we can require any one of 
you individually to repay the Account Balance.  Each of you authorizes 
the other to make Transactions individually.  Any one of you may close 
the Account and such closure will be effective as to all of you.  You 
agree that all notices regarding the Account may be sent solely to the 
cardholder whose name and address appears on our billing records.  
If this is a joint account, neither party can be released from his or 
her obligations except upon HawaiiUSA�s approval. Cards remain our 
property and you must recover and surrender to us all Cards upon our 
request and upon termination of this Account.
17.  ACCOUNT USE BY AUTHORIZED USERS:  You may request to add 
one or more Authorized Users to your Account.  If we approve your 
request, use of your Account by an Authorized User is subject to the 
terms of this Agreement.  You must:
� Obtain permission from each Authorized User before naming 
him or her as an Authorized User on your Account.
� Make a copy of this Agreement available to each Authorized 
User.
� Pay us for all charges incurred by each Authorized User.
� Notify us to remove an Authorized User from your Account.  If 
we remove an Authorized User, we may close your Account, 
open a new Account, and issue you a new Card.
We may limit the number of Authorized Users on your Account. 
You are responsible for:
� Any Transactions made by an Authorized User on your Account.
� Any Transaction made by an Authorized User even if the post-
date shown on your periodic statement for that Transaction 
occurs after the date you ask us to remove the Authorized 
User from your Account.
� Any Transactions made by others if an Authorized User allows 
them to use your Account.
� Fees and charges resulting from any Transactions made by an 
Authorized User or others if an Authorized User allows them 
to use your Account.
INFORMATION ABOUT AUTHORIZED USERS:  You agree to give us 
certain personal information about each Authorized User.  You must 
let each one know that you will give us that information and you 
must have his or her permission to do so.  You must have permission 
from each one to allow us to share information about him or her 
as permitted by applicable law.  This includes information we may 
obtain from you, any Authorized User and others.  It also includes 
information about their Transactions on the Account.
CREDIT REPORTING:  We report information about this Account to 
Consumer Reporting Agencies in the Authorized User�s name that may appear on their credit report.  This could include information about:
� Late Payments;
� Returned Payments;
� Over-the-credit-limit amounts; and 
� Other violations of this Agreement. 
You understand and agree that you must let each Authorized User 
know that we report Account information in his or her name. 
18.  INTERNET (ONLINE) TRANSACTIONS.  We subscribe to Verified 
by Visa (VbV). VbV is an enhancement that improves the security of 
Purchases made via the Internet by enabling us to verify your Account 
ownership during online purchases by using a password. VbV only 
relates to Internet Purchases from merchants that also participate in 
VbV.  If you make Purchases through the Internet, you may register 
your Card at www.visa.com, where you will be asked to enter account 
information and personal data for identity confirmation. You will 
be able to shop at participating VbV Internet merchants with no 
changes to the shopping or checkout process. Should you shop at a 
VbV participating Internet merchant and have not yet registered your 
Card, you may be required to register with VbV before completing 
the transaction.
19.  FOREIGN TRANSACTION FEE AND CURRENCY CONVERSION RATE.
(a) Foreign Transaction Fee.   A fee of 1% of the amount of the 
transaction, calculated in U.S. dollars, will be imposed on all 
foreign transactions, regardless of whether the transaction 
involves a currency conversion, including Purchases, Cash 
Advances and credits to your Account. A foreign transaction 
is any transaction that you complete or a merchant completes 
on your Card outside of the United States, with the exception 
of U.S. military bases, U.S. territories, U.S. embassies, or U.S. 
consultants.
(b) Currency Conversion Rate.  Transactions will be billed to your 
Account in U.S. dollars. The conversion to U.S. dollars will be 
made in accordance with the Visa operating regulations for 
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.  Interest Rates and Interest Charges
APR for  
Cash Advances12.96%
12.96%
12.96%
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.Paying Interest
For Credit Card 
Tips from the 
Consumer Financial 
Protection BureauTo 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.
Annual Fee None
Balance Transfers
NoneCash Advances
None
Transaction Fees Fees
Foreign Transaction
1.00% of each transaction
Penalty FeesLate Payment:  
Up to $35 or 5% of delinquent amount, whichever is less
Returned Payment:  
Up to $24ANNUAL  
PERCENTAGE RATE  
(APR) for Purchases
APR for  
Balance Transfers
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.Details about your 
interest rates and 
interest calculationsPeriodic Rate Corresponding 
Annual Percentage 
Rate (APR)
Purchases
Balance Transfers
Cash Advances1.0800% (M)12.96%
1 2 3 4 5 6 7 8