PRIORITY REWARDSSM CREDIT CARD DISCLOSURES 
(Personal, Priority Banking and Private Banking Accounts) 

This disclosure was printed on 03/01/2016. The information for this card is accurate as of that date and is subject to change 
after that date. For any changes since the print date, contact us at BankCard Center, P.O. Box 1959, Honolulu, HI, 96805. 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

16.49% for Personal Platinum and Personal World Accounts 
14.49% for Priority Banking Platinum and Priority Banking World Accounts 
11.49% for Private Banking Platinum and Private Banking World Accounts 
     These APRs will vary with the market based on the U.S. Prime Rate. 

APR for Cash Advances 

18.00% Fixed 

Penalty APR and When it 
Applies 

18.00% Fixed 
     This APR will apply to your account if you make a late payment.  

     How Long Will the Penalty APR Apply?: The Penalty APR will apply until you have   
     made six consecutive Minimum Payments when due. 

How to Avoid Paying 
Interest on Purchases 

Your due date is at least 25 days after the close of each billling cycle.  We will not charge you 
interest on Purchases if you pay your entire New Balance by the Payment Due Date each 
month.   

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.00. 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 

Annual Fee 

Transaction Fees 

  Foreign Transaction 

None 

2.5% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency 

  Convenience Check 

Either $5 or 3% of the amount of each check, whichever is greater (maximum fee $50) 

  ATM Cash Advance 

Either $3 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee $50) 

  Over-the-counter     

Either $5 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee $50) 

     Cash Advance  

Penalty Fees 

  Late Payment 

Up to $35  

  Over-the-Credit Limit 

Up to $15 (only if you opt-in; N/A for World Accounts) 

  Returned Payment 

Up to $35 

How We Will Calculate Your Balance: We will use a method called “Average Daily Balance (including new Purchases).”   

Unless otherwise defined herein, all capitalized terms shall have the meaning set forth in the applicable Priority Rewards Credit 
Card Agreement. 

TERMS AND CONDITIONS 
Important Information about the Priority Rewards Credit Card Program 

Priority RewardsSM Credit Card cardholders (“Cardholders”) may earn up to 250,000 Priority Rewards CashPoints (“CashPoints”) per year per 
Priority Rewards Credit Card account (“Account”). Cardholders will receive one (1) CashPoint for every $1.00 of net qualifying purchases, 
rounded to the nearest whole dollar.  Cash advances, cash equivalents (such as purchase of traveler’s checks or cashier’s checks), 
convenience checks, balance transfers, and other Account fees do not earn CashPoints. Any credit on a Cardholder’s Account because of a 
return of goods or for any other reason will result in a corresponding deduction of CashPoints from the Cardholder’s Account.  Accounts must 
be open and in good standing to earn and redeem CashPoints. CashPoints earned will be reflected on the Cardholder’s (identified as the 
applicant in the application) monthly credit card statement and cannot be bought, sold, or transferred in any way.  CashPoints can be gifted to 

 
 
 
 
      
 
 
 
 
 
 
Priority Rewards Cardholders and Priority Rewards Premier World Elite Cardholders, but the gifted CashPoints will expire six (6) months after 
they are gifted.  Unless they expire earlier due to being gifted, CashPoints expire on a first in, first out basis on December 31st of the fourth 
(4th) year after the year in which they were awarded.  For example, CashPoints awarded in 2016 will expire on December 31, 2020. Maximum 
ticket values apply to airline and cruise rewards. Airline ticket rewards are subject to a non-refundable redemption ticketing fee. Questions 
regarding the redemption of CashPoints may be directed to our Redemption Center at 1-800-868-2856.  See the Priority Rewards Program 
Agreement and the Priority Rewards Credit Card Agreement for more important information about the Priority Rewards Program and your 
Account.   

CashPoints have no cash value except as described in the Priority Rewards Program Agreement. First Hawaiian Bank reserves the right to 
cancel or change the Priority Rewards Program at any time without prior notice. All reward items are subject to availability, and First Hawaiian 
Bank reserves the right to withdraw, change or replace specific reward items at any time. We reserve the right to change the features and 
benefits associated with your Priority Rewards Credit Card at any time without prior notice. The current Redemption Schedule is available at 
any First Hawaiian Bank branch or www.fhb.com.  World MasterCard® features and many of its benefits are available only to World 
cardholders.  

MasterCard® is a registered trademark of MasterCard® International Incorporated.