PLATINUM VISA CREDIT CARD  
AGREEMENT AND 
DISCLOSUREinternational 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.  Y ou 
agree that you will not use the Account to purchase or carry margin 
stock (as defined in Federal Reserve Board regulations).
21.  ILLEGAL ACTIVITY .  Y ou agree not to use your Card  or Account, directly or 
indirectly: (1) in a manner that would constitute a crime under local, state 
or federal law, or in any illegal activity or transaction, including without 
limitation any �racketeering activity� as defined in 18 USC � 1961; or 
(2) for any gambling, gaming, betting, or similar activity or transaction. 
Such transactions include, but are not limited to, any quasi-cash or 
online gambling transaction, any electronic commerce transaction 
conducted over an open network, and any betting transaction including 
the purchase of lottery tickets or casino gaming chips/checks or off-
track betting or wagering. Display of a payment card logo by an online 
merchant or acceptance of a Visa Card by an online merchant does 
not necessarily mean that the transaction is legal in the jurisdiction 
in which you are located. In the event that a charge or transaction 
described in this paragraph is processed, you will still be responsible 
for such charges. Any such illegal or other prohibited use constitutes 
an unauthorized use and can result in cancellation and termination of 
your Account.  Y ou 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) T ermination. 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 INFORMA TION.  Y ou 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. Y ou agree to 
notify us immediately if any information on your application becomes 
incorrect, including a change in your name, address, employment or 
financial status. Y ou authorize us to investigate your credit standing 
when opening, renewing, or reviewing your Account.  Y ou 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. Y ou understand and agree that we may make 
changes to the terms of your Account based on information in your 
credit history .  Y ou 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.  DEFAUL T .  Y ou 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. Y ou 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. Y ou 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 (800) 654.7728, or write to us at: Credit Card Security Department, 
P .O. Box 31112, T ampa, FL 33631-3112. Telephoning is the best way of 
keeping your possible losses down.Y ou will not be liable for any unauthorized use that occurs after you 
notify us. Y ou 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. 
Y our 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. Y ou 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, T ampa, 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.  INVESTIGA TIONS.  Y ou 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. 
Y ou 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) T o 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. Y ou 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 .  Y ou 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.  INTEGRA TED DOCUMENTS.  Any separate sheet of paper identified 
as an �Addendum� or �Amendment� to this Agreement is an integrated 
part of the Agreement.
41.   BUSINESS DA YS.  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.  Y ou acknowledge receipt of a copy of this 
Agreement and agree to accept its terms.
43.  PINK PLA TINUM CHARIT ABLE 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 Y ou Find a Mistake on Y our Statement
If you think there is an error on your Statement, write to us at Customer 
Service, P .O. Box 31112, T ampa, 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.
Y ou must notify us of any potential errors in writing . Y ou 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, 
T ampa, 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-123297
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.  
Y ou 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�).  Y ou 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�).
Y ou 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 A TM not owned by us, you may be charged a fee by 
the A TM operator or any A TM 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 b e 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. Y ou 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.  
Y ou authorize us to charge your Account for the fees due to us.  Y ou 
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 CALCULATION  
 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.  P A YMENTS.
(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 .  Y ou 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. Y ou must not give anyone else possession 
of your Card, PIN, or other authority to make transactions on your 
Account. Y ou cannot disclaim responsibility by notifying us, although 
we will close the Account if you so request and you will return all 
Cards to us. Y our 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. Y ou 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  Interest Rates and Interest Charges
APR for  
Cash Advances14.90%
14.90%
14.90%
Your due date is at least 25 days after the 
close of each billing cycle. We will not charge 
you interest on purchases and balance 
transfers if you pay your entire balance by 
the due date each month. We will begin 
charging interest on cash advances on the 
transaction datePaying 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.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 Y our 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 2Details about your 
interest rates and 
interest calculationsPeriodic Rate Corresponding 
Annual Percentage 
Rate (APR)
Purchases
Balance Transfers
Cash Advances1.2417% (M)14.90%
1 2 3 4 5 6 7 8